Comprehensive

Liberty Insurance Comprehensive Car Insurance

Liberty Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 64 accredited repair shops and 26 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 7 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱2 million.

Annual Premium

₱17,000–₱61,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Fire and lightning damage protection

Loss of use allowance of ₱1,500/day for up to 9 days

Free towing up to ₱240,000 per incident

Bodily injury liability up to ₱182,000 per person

No-claim discount of up to 30% on renewal

Claims Process

Filing a claim with Liberty Insurance involves 6 steps. First, report the incident within 24 hours by calling (02) 8615-1138 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 7 business days after approval.

Pros & Cons

Advantages

Offers no-claim discount of up to 21% after 1 year
Free annual vehicle inspection at partner service centers
Provides courtesy car for up to 5 days during repairs
Policy issuance within 10 hours for standard applications
Quick approval for minor claims under ₱304,000

Drawbacks

No coverage for vehicles older than 19 years
Online portal lacks some features available in-app only
Customer service wait times average 12 minutes during peak
Requires minimum 3 repair shop quotes for claims above ₱77,000

Frequently Asked Questions

What vehicles does Liberty Insurance not cover?

Liberty Insurance does not cover vehicles older than 4 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 4 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 24% surcharge.

How long does Liberty Insurance take to process claims?

Liberty Insurance processes standard claims within 20 business days from submission of complete documents. Major claims involving third parties may take up to 15 days. You can track your claim status through their online portal.

Does Liberty Insurance offer a no-claim discount?

Liberty Insurance provides a no-claim discount of up to 24% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 12 consecutive claim-free years. The maximum cumulative discount reaches 44%.

How do I file a claim with Liberty Insurance?

To file a claim with Liberty Insurance, call their 24/7 hotline within 9 hours of the incident and submit photos plus a police report within 20 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 17 months for annual premiums above ₱263,000. Monthly payments include a small processing fee of 13%. Credit card, bank transfer, GCash, and Maya are accepted.

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