Insurance Guide

How to Get Roadside Assistance Coverage — Philippines Guide

This guide covers how to get roadside assistance coverage for Filipino car owners in 8 clear steps. The process typically takes 7 business days and may cost between ₱1,500 and ₱9,000 depending on your insurer. Over 217,000 Filipino drivers complete this process each year, and understanding the requirements can save you up to ₱8,000 in fees.

Annual Premium

N/A (guide)

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Riot, strike, and civil commotion coverage

Fire and lightning damage protection

Emergency medical reimbursement up to ₱389,000

Acts of Nature coverage (typhoon, flood, earthquake)

Claims Process

Relevant claims steps for how to get roadside assistance coverage: gather your OR/CR, valid ID, and incident documentation. Contact your insurer within 40 hours. Submit all paperwork to the nearest branch or upload via the insurer's portal. Processing takes 8 business days on average.

Pros & Cons

Advantages

Provides courtesy car for up to 14 days during repairs
Quick approval for minor claims under ₱445,000
24/7 customer hotline with average hold time under 19 minutes
Accredited in over 17 repair shops across the Philippines
Offers no-claim discount of up to 23% after 1 year

Drawbacks

Depreciation rate of 28% per year on vehicle valuation
Premium increases by 24% after a claim within 12 months
Requires minimum 3 repair shop quotes for claims above ₱327,000
Customer service wait times average 5 minutes during peak

Frequently Asked Questions

Is How to Get Roadside Assistance Coverage required by Philippine law?

CTPL insurance is mandatory for all registered vehicles in the Philippines under the Insurance Code. How to Get Roadside Assistance Coverage beyond CTPL is optional but highly recommended given that over 20% of Filipino car owners opt for additional protection. The Insurance Commission regulates all auto insurance products.

Can I transfer How to Get Roadside Assistance Coverage to a new owner?

Yes, How to Get Roadside Assistance Coverage can be transferred when you sell your vehicle by notifying the insurer within 5 days of the sale. A transfer fee of ₱101,000 to ₱5,000 typically applies. The new owner must submit their own valid ID and proof of ownership.

How do I choose the best How to Get Roadside Assistance Coverage?

Compare at least 19 providers and check their claim settlement ratio, which averages 22% across the industry. Look for providers with accredited repair shops near your area — the top insurers have 75+ partner shops. Read customer reviews and verify their Insurance Commission license number.

How do deductibles work for How to Get Roadside Assistance Coverage?

Deductibles for How to Get Roadside Assistance Coverage typically range from ₱19,000 to ₱37,000 per claim. Choosing a higher deductible of ₱37,000 can reduce your annual premium by 25%. First-time claims within the policy year usually carry the standard deductible amount.

What documents are needed for How to Get Roadside Assistance Coverage?

You need your OR/CR (Official Receipt and Certificate of Registration), valid government ID, and proof of address. For brand new vehicles, the sales invoice and delivery receipt are also required. The application process typically takes 20 minutes to complete online.

Acts of Nature Coverage Guide Philippines

₱3,000–₱13,000/year (add-on)

Annual vs Monthly Premium Insurance Comparison Philippines

₱14,000–₱57,000/year

Autosweep vs Easytrip Insurance Insurance Comparison Philippines

₱13,000–₱40,000/year

AXA vs BPI MS Insurance Comparison Philippines

₱15,000–₱63,000/year

AXA vs Malayan Insurance Comparison Philippines

₱14,000–₱45,000/year

AXA vs Standard Insurance Comparison Philippines

₱10,000–₱45,000/year

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