Comprehensive

Standard Insurance

Standard Insurance is one of the most established motor vehicle insurers in the Philippines, known for competitive premiums and efficient claims processing. They offer comprehensive, CTPL, and combined packages with online policy management. Standard Insurance has a strong network of accredited repair shops and offers cashless repair services at partner workshops.

Annual Premium

₱12,000 – ₱50,000/year (based on vehicle value)

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Own damage and theft protection

Third-party liability coverage

Acts of nature endorsement available

Cashless repair at accredited shops

Online policy management and renewal

Towing assistance up to 50 km

Claims Process

Report incidents through Standard Insurance's online portal or hotline within 48 hours. Upload photos and police reports digitally. Cashless repairs available at accredited workshops with authorization in 1-2 business days.

Pros & Cons

Advantages

Competitive premiums — typically 10-15% lower than Malayan for similar coverage.
Online policy management and digital claims filing for convenience.
Cashless repair services at accredited partner workshops.
Quick claims authorization within 1-2 business days.
Easy online renewal process with minimal documentation.

Drawbacks

Smaller accredited repair shop network compared to Malayan.
Roadside assistance may not cover all expressway sections.
Acts of nature coverage requires separate endorsement at additional cost.
Customer service wait times can be longer during peak claim periods.

Frequently Asked Questions

How much does Standard Insurance car coverage cost?

Standard Insurance premiums range from ₱12,000 to ₱50,000 per year depending on vehicle value, age, and coverage level. They tend to be 10-15% more affordable than larger insurers.

Can I file a claim online with Standard Insurance?

Yes, Standard Insurance offers online claims filing through their portal. Upload photos and documents digitally for faster processing.

Does Standard Insurance offer CTPL?

Yes, Standard Insurance offers standalone CTPL (Compulsory Third-Party Liability) as well as combined CTPL + comprehensive packages.

What is the cashless repair service?

At accredited workshops, Standard Insurance handles billing directly — you pay only the deductible amount, with no upfront out-of-pocket costs for covered repairs.

How long does a Standard Insurance claim take?

Claims authorization typically takes 1-2 business days. Total repair time depends on the workshop, usually 5-14 days.

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