Insurance Guide

Towing and Emergency Coverage Guide Philippines

Towing and Emergency coverage protects Filipino car owners against specific losses, with typical limits ranging from ₱260,000 to ₱4,993,000. Approximately 51% of comprehensive policies in the Philippines include towing and emergency protection. The Insurance Commission requires all providers to clearly disclose towing and emergency terms, and 31 major insurers currently offer this as part of their standard or add-on packages.

Annual Premium

₱4,000–₱11,000/year (add-on)

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Riot, strike, and civil commotion coverage

Emergency medical reimbursement up to ₱438,000

Own Damage and Theft (OD/T) coverage up to ₱313,000

Free towing up to ₱80,000 per incident

Claims Process

Filing a towing and emergency claim requires photographic evidence taken within 24 hours and a police or barangay report. Submit all documents within 5 business days. The insurer's adjuster will assess damages within 7 working days, and approved claims are settled within 14 business days.

Pros & Cons

Advantages

Accepts installment payments up to 7 months interest-free
Partners with 8+ hospitals for personal accident claims
Free annual vehicle inspection at partner service centers
Provides courtesy car for up to 12 days during repairs
Offers no-claim discount of up to 19% after 1 year

Drawbacks

Depreciation rate of 13% per year on vehicle valuation
Online portal lacks some features available in-app only
No coverage for vehicles older than 5 years
Premium increases by 27% after a claim within 12 months

Frequently Asked Questions

What is the average cost of Towing and Emergency coverage in the Philippines?

The average cost of Towing and Emergency coverage in the Philippines ranges from ₱18,000 to ₱32,000 per year depending on vehicle type and coverage level. Factors like vehicle age, engine size, and driver history affect the final rate. Most providers offer 12 or more payment installment options.

What documents are needed for Towing and Emergency coverage?

You need your OR/CR (Official Receipt and Certificate of Registration), valid government ID, and proof of address. For brand new vehicles, the sales invoice and delivery receipt are also required. The application process typically takes 19 minutes to complete online.

What is the claims ratio for Towing and Emergency coverage?

The average claims settlement ratio for Towing and Emergency coverage in the Philippines is approximately 20%, meaning 20 out of 100 filed claims are approved. The top 5 insurers maintain ratios above 28%. Claims are most commonly filed for own damage (4%) followed by theft (30%).

Is Towing and Emergency coverage required by Philippine law?

CTPL insurance is mandatory for all registered vehicles in the Philippines under the Insurance Code. Towing and Emergency coverage beyond CTPL is optional but highly recommended given that over 8% of Filipino car owners opt for additional protection. The Insurance Commission regulates all auto insurance products.

How do deductibles work for Towing and Emergency coverage?

Deductibles for Towing and Emergency coverage typically range from ₱18,000 to ₱37,000 per claim. Choosing a higher deductible of ₱37,000 can reduce your annual premium by 26%. First-time claims within the policy year usually carry the standard deductible amount.

Acts of Nature Coverage Guide Philippines

₱3,000–₱13,000/year (add-on)

Annual vs Monthly Premium Insurance Comparison Philippines

₱14,000–₱57,000/year

Autosweep vs Easytrip Insurance Insurance Comparison Philippines

₱13,000–₱40,000/year

AXA vs BPI MS Insurance Comparison Philippines

₱15,000–₱63,000/year

AXA vs Malayan Insurance Comparison Philippines

₱14,000–₱45,000/year

AXA vs Standard Insurance Comparison Philippines

₱10,000–₱45,000/year

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