Comprehensive

Standard Insurance Comprehensive Car Insurance

Standard Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱19,000/year. With over 184 accredited repair shops and 39 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 12 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱2 million.

Annual Premium

₱19,000–₱38,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Bodily injury liability up to ₱450,000 per person

Free towing up to ₱323,000 per incident

Riot, strike, and civil commotion coverage

Excess bodily injury up to ₱203,000

Third-party property damage up to ₱321,000

Glass breakage and windshield repair coverage

Claims Process

Filing a claim with Standard Insurance involves 6 steps. First, report the incident within 24 hours by calling (02) 8161-2210 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

Mobile app available for iOS and Android with claims tracking
24/7 customer hotline with average hold time under 12 minutes
Provides courtesy car for up to 4 days during repairs
Free annual vehicle inspection at partner service centers
Quick approval for minor claims under ₱67,000

Drawbacks

Online portal lacks some features available in-app only
Requires minimum 3 repair shop quotes for claims above ₱165,000
Processing time can reach 11 days for major claims
Depreciation rate of 17% per year on vehicle valuation

Frequently Asked Questions

How long does Standard Insurance take to process claims?

Standard Insurance processes standard claims within 16 business days from submission of complete documents. Major claims involving third parties may take up to 28 days. You can track your claim status through their online portal.

What is the minimum premium for Standard Insurance?

The minimum annual premium for Standard Insurance starts at ₱112,000 for basic plans. This rate applies to vehicles valued under ₱628,000. Additional coverage options may increase the total premium.

Does Standard Insurance offer a no-claim discount?

Standard Insurance provides a no-claim discount of up to 14% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 3 consecutive claim-free years. The maximum cumulative discount reaches 33%.

Does Standard Insurance cover Acts of Nature?

Yes, Standard Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱265,000 per incident. This is especially important given the country averages 19 typhoons per year.

What vehicles does Standard Insurance not cover?

Standard Insurance does not cover vehicles older than 6 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 24% surcharge.

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