Combined Package

Liberty Insurance Combined Insurance (Comprehensive + CTPL)

Liberty Insurance bundles comprehensive and CTPL coverage into a single policy priced from ₱22,000 to ₱42,000/year. This eliminates the need to manage 2 separate policies and saves an average of ₱1,000 compared to buying them individually. The combined plan covers 9 risk categories including own damage, theft, Acts of Nature, and mandatory third-party liability.

Annual Premium

₱22,000–₱42,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Personal accident coverage for driver and up to 4 passengers

Excess bodily injury up to ₱148,000

Fire and lightning damage protection

Third-party property damage up to ₱102,000

Loss of use allowance of ₱1,000/day for up to 18 days

Glass breakage and windshield repair coverage

24/7 roadside assistance within 12 km radius

Claims Process

Filing a claim with Liberty Insurance involves 5 steps. First, report the incident within 24 hours by calling (02) 8324-9694 or through the mobile app. Submit the required documents — police report, photos, and your policy details — within 5 business days. A claims adjuster will inspect the vehicle within 3 business days of document submission. Standard claims are settled within 13 business days after approval.

Pros & Cons

Advantages

Claims processing averages 11 business days
Provides courtesy car for up to 14 days during repairs
Offers no-claim discount of up to 22% after 1 year
Online policy management and renewal portal available
Quick approval for minor claims under ₱381,000

Drawbacks

Deductible starts at ₱138,000 for first-time claims
Customer service wait times average 7 minutes during peak
Online portal lacks some features available in-app only
No coverage for vehicles older than 13 years

Frequently Asked Questions

What vehicles does Liberty Insurance not cover?

Liberty Insurance does not cover vehicles older than 16 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 5 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 30% surcharge.

Does Liberty Insurance offer a no-claim discount?

Liberty Insurance provides a no-claim discount of up to 28% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 8 consecutive claim-free years. The maximum cumulative discount reaches 25%.

What is the minimum premium for Liberty Insurance?

The minimum annual premium for Liberty Insurance starts at ₱411,000 for basic plans. This rate applies to vehicles valued under ₱371,000. Additional coverage options may increase the total premium.

How do I file a claim with Liberty Insurance?

To file a claim with Liberty Insurance, call their 24/7 hotline within 19 hours of the incident and submit photos plus a police report within 41 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.

Can I pay Liberty Insurance premiums in installments?

Liberty Insurance offers installment payment plans of up to 11 months for annual premiums above ₱332,000. Monthly payments include a small processing fee of 26%. Credit card, bank transfer, GCash, and Maya are accepted.

Alliedbankers Insurance Combined Insurance (Comprehensive + CTPL)

₱24,000–₱69,000/year

Asia Insurance Philippines Combined Insurance (Comprehensive + CTPL)

₱16,000–₱48,000/year

Asia United Insurance Combined Insurance (Comprehensive + CTPL)

₱23,000–₱61,000/year

BPI MS Insurance Combined Insurance (Comprehensive + CTPL)

₱25,000–₱40,000/year

Charter Ping An Insurance Combined Insurance (Comprehensive + CTPL)

₱18,000–₱65,000/year

Chubb Insurance Philippines Combined Insurance (Comprehensive + CTPL)

₱17,000–₱61,000/year

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