Combined Package

QBE Insurance Philippines Combined Insurance (Comprehensive + CTPL)

QBE Insurance Philippines bundles comprehensive and CTPL coverage into a single policy priced from ₱24,000 to ₱51,000/year. This eliminates the need to manage 2 separate policies and saves an average of ₱4,000 compared to buying them individually. The combined plan covers 6 risk categories including own damage, theft, Acts of Nature, and mandatory third-party liability.

Annual Premium

₱24,000–₱51,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Free towing up to ₱221,000 per incident

Acts of Nature coverage (typhoon, flood, earthquake)

Bodily injury liability up to ₱348,000 per person

Own Damage and Theft (OD/T) coverage up to ₱372,000

24/7 roadside assistance within 13 km radius

Emergency medical reimbursement up to ₱235,000

Riot, strike, and civil commotion coverage

Claims Process

Filing a claim with QBE Insurance Philippines involves 5 steps. First, report the incident within 24 hours by calling (02) 8583-3052 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 8 business days after approval.

Pros & Cons

Advantages

Dedicated relationship manager for policies above ₱349,000
Coverage extends to natural calamities common in PH
Offers no-claim discount of up to 27% after 1 year
Accepts installment payments up to 16 months interest-free
Quick approval for minor claims under ₱255,000

Drawbacks

Requires minimum 3 repair shop quotes for claims above ₱280,000
Customer service wait times average 14 minutes during peak
Depreciation rate of 11% per year on vehicle valuation
Excess coverage requires separate add-on costing ₱213,000/year

Frequently Asked Questions

How do I file a claim with QBE Insurance Philippines?

To file a claim with QBE Insurance Philippines, call their 24/7 hotline within 6 hours of the incident and submit photos plus a police report within 18 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.

What vehicles does QBE Insurance Philippines not cover?

QBE Insurance Philippines does not cover vehicles older than 17 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 3 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 14% surcharge.

Does QBE Insurance Philippines cover Acts of Nature?

Yes, QBE Insurance Philippines includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱456,000 per incident. This is especially important given the country averages 10 typhoons per year.

What is the minimum premium for QBE Insurance Philippines?

The minimum annual premium for QBE Insurance Philippines starts at ₱388,000 for basic plans. This rate applies to vehicles valued under ₱370,000. Additional coverage options may increase the total premium.

How long does QBE Insurance Philippines take to process claims?

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

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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