Comprehensive

Philippines First Insurance Comprehensive Car Insurance

Philippines First Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 298 accredited repair shops and 14 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 9 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱8 million.

Annual Premium

₱17,000–₱37,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

24/7 roadside assistance within 8 km radius

Free towing up to ₱413,000 per incident

Riot, strike, and civil commotion coverage

Loss of use allowance of ₱2,500/day for up to 18 days

Claims Process

Filing a claim with Philippines First Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8692-3174 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

Offers no-claim discount of up to 10% after 1 year
Partners with 19+ hospitals for personal accident claims
Accredited in over 11 repair shops across the Philippines
Mobile app available for iOS and Android with claims tracking
Accepts installment payments up to 12 months interest-free

Drawbacks

Limited provincial branch coverage outside Metro Manila (6 offices)
Deductible starts at ₱220,000 for first-time claims
Customer service wait times average 17 minutes during peak
Requires minimum 3 repair shop quotes for claims above ₱123,000

Frequently Asked Questions

What is the minimum premium for Philippines First Insurance?

The minimum annual premium for Philippines First Insurance starts at ₱457,000 for basic plans. This rate applies to vehicles valued under ₱632,000. Additional coverage options may increase the total premium.

Can I pay Philippines First Insurance premiums in installments?

Philippines First Insurance offers installment payment plans of up to 16 months for annual premiums above ₱352,000. Monthly payments include a small processing fee of 28%. Credit card, bank transfer, GCash, and Maya are accepted.

What vehicles does Philippines First Insurance not cover?

Philippines First Insurance does not cover vehicles older than 15 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 6 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 29% surcharge.

Does Philippines First Insurance cover Acts of Nature?

Yes, Philippines First Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱126,000 per incident. This is especially important given the country averages 17 typhoons per year.

How long does Philippines First Insurance take to process claims?

Philippines First Insurance processes standard claims within 4 business days from submission of complete documents. Major claims involving third parties may take up to 16 days. You can track your claim status through their online portal.

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