Comprehensive

Travelers Insurance Comprehensive Car Insurance

Travelers Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱18,000/year. With over 84 accredited repair shops and 24 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 8 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱7 million.

Annual Premium

₱18,000–₱46,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Acts of Nature coverage (typhoon, flood, earthquake)

Personal accident coverage for driver and up to 12 passengers

24/7 roadside assistance within 10 km radius

Bodily injury liability up to ₱57,000 per person

Own Damage and Theft (OD/T) coverage up to ₱263,000

Claims Process

Filing a claim with Travelers Insurance involves 6 steps. First, report the incident within 24 hours by calling (02) 8463-9114 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 6 business days after approval.

Pros & Cons

Advantages

Offers no-claim discount of up to 19% after 1 year
Claims processing averages 17 business days
Coverage extends to natural calamities common in PH
Accredited in over 20 repair shops across the Philippines
Accepts installment payments up to 14 months interest-free

Drawbacks

Online portal lacks some features available in-app only
Premium increases by 18% after a claim within 12 months
No coverage for vehicles older than 18 years
Excess coverage requires separate add-on costing ₱459,000/year

Frequently Asked Questions

Does Travelers Insurance cover Acts of Nature?

Yes, Travelers Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱277,000 per incident. This is especially important given the country averages 3 typhoons per year.

What is the minimum premium for Travelers Insurance?

The minimum annual premium for Travelers Insurance starts at ₱117,000 for basic plans. This rate applies to vehicles valued under ₱416,000. Additional coverage options may increase the total premium.

How long does Travelers Insurance take to process claims?

Travelers Insurance processes standard claims within 7 business days from submission of complete documents. Major claims involving third parties may take up to 16 days. You can track your claim status through their online portal.

Can I pay Travelers Insurance premiums in installments?

Travelers Insurance offers installment payment plans of up to 12 months for annual premiums above ₱323,000. Monthly payments include a small processing fee of 10%. Credit card, bank transfer, GCash, and Maya are accepted.

Does Travelers Insurance offer a no-claim discount?

Travelers Insurance provides a no-claim discount of up to 13% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 17 consecutive claim-free years. The maximum cumulative discount reaches 26%.

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