Combined Package

Sterling Insurance Combined Insurance (Comprehensive + CTPL)

Sterling Insurance bundles comprehensive and CTPL coverage into a single policy priced from ₱16,000 to ₱56,000/year. This eliminates the need to manage 2 separate policies and saves an average of ₱3,000 compared to buying them individually. The combined plan covers 5 risk categories including own damage, theft, Acts of Nature, and mandatory third-party liability.

Annual Premium

₱16,000–₱56,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Own Damage and Theft (OD/T) coverage up to ₱50,000

Loss of use allowance of ₱1,000/day for up to 18 days

Excess bodily injury up to ₱140,000

Riot, strike, and civil commotion coverage

24/7 roadside assistance within 7 km radius

Third-party property damage up to ₱392,000

Bodily injury liability up to ₱71,000 per person

Claims Process

Filing a claim with Sterling Insurance involves 6 steps. First, report the incident within 24 hours by calling (02) 8328-9639 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 15 business days after approval.

Pros & Cons

Advantages

Provides courtesy car for up to 20 days during repairs
Dedicated relationship manager for policies above ₱272,000
Partners with 12+ hospitals for personal accident claims
Coverage extends to natural calamities common in PH
Flexible payment options including GCash and Maya

Drawbacks

Limited provincial branch coverage outside Metro Manila (9 offices)
No coverage for vehicles older than 12 years
Requires minimum 3 repair shop quotes for claims above ₱478,000
Deductible starts at ₱413,000 for first-time claims

Frequently Asked Questions

Can I pay Sterling Insurance premiums in installments?

Sterling Insurance offers installment payment plans of up to 8 months for annual premiums above ₱109,000. Monthly payments include a small processing fee of 12%. Credit card, bank transfer, GCash, and Maya are accepted.

Does Sterling Insurance cover Acts of Nature?

Yes, Sterling Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱471,000 per incident. This is especially important given the country averages 9 typhoons per year.

How long does Sterling Insurance take to process claims?

Sterling Insurance processes standard claims within 17 business days from submission of complete documents. Major claims involving third parties may take up to 39 days. You can track your claim status through their online portal.

What vehicles does Sterling Insurance not cover?

Sterling Insurance does not cover vehicles older than 4 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 7 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 22% surcharge.

How do I file a claim with Sterling Insurance?

To file a claim with Sterling Insurance, call their 24/7 hotline within 13 hours of the incident and submit photos plus a police report within 17 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.

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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