Where can i buy private/comprehensive car insurance in Cebu city?

car insurance Philippines

Now you can get online comprehensive car insurance in Cebu City Philippines. All you need to do is fill the form and make a deposit into Insurance company Bank account. You will be sent a hard copy and soft copy of the insurance.

How much it cost to buy Comprehensive car insurance in Cebu City  Philippines?

It depends on the value of the car, for example, if your car value is 300,000 Pesos the comprehensive car insurance might cost about 4975 Pesos. In order to get a quotation please fill the form below and wait for the insurance agent to contact you.

Is there any office where I can visit and buy Comprehensive car insurance in Cebu City Philippines?

Yes, you can visit the office or just fill up the form and agent will contact you. If you feel like you have many questions and want to visit the office then come to our partner’s office. The address is 2F Centro Maximo II,  Jakosalem-Ranaudo streets, Cebu City, Philippines 6000.

Why get a Car Insurance in the Philippines?

Accidents do happen and now that you have a car of your own, make sure that you’re taking the necessary steps to have the proper coverage by choosing the auto insurance that’s right for you. Also, it is so cheap to have Comprehensive car insurance in the Philippines, no one should take the risk.  Example: One-year comprehensive car insurance cost 4975 Pesos if the valuation of the car is 300,000 pesos.

Types of Car Insurance in the Philippines which is mandatory

  • Compulsory Third-Party Liability (CTPL)

In the Philippines, it’s required by law to have a Compulsory Third-Party Liability insurance. As soon as you register your vehicle, the government through the Land Transportation Office (LTO) will automatically provide CTPL insurance coverage. This is mandatory and every one who registered a car shell applies it. This will cover any accident caused by the policyholder resulting in death and/or bodily injury of a third party victim. This insurance does not cover own damages. Example: If you had an accident and some had a bodily injury. it will pay to the person who is injured by you.  But It does not cover your injuries or damages.

  • Comprehensive Car Insurance (Optional)

If you want additional protection, you can go for a policy that will provide more coverage. This is described as a Comprehensive Car Insurance policy/ Private car insurance. This type of car insurance allows for added protection such as damages for both the owner and third party’s property, excess bodily injury (beyond CTPL coverage), external explosions or fire, self-ignition, theft, and other malicious acts.

However, this doesn’t include protection from damages resulting from acts of nature, you can request for additional coverage

  • Collision Car Insurance Coverage

Should you get into an accident, Collision Coverage will shoulder the financial costs on the damages to your car whether or not you’re at fault regardless if it’s another vehicle or a fixed object. In cases where the repair cost is more than the value of the car (total wreck), then this policy will cover the replacement of your vehicle based on its current market value.

  • Personal Injury Protection Coverage

Comparable to Medical Payments coverage but with a much broader scope, Personal Injury Protection provides coverage from a wider range of expenses associated with the injuries sustained such as loss of work, rehabilitation costs, funeral expenses, lost wages, and the like, which are not necessarily medical in nature, regardless whether or not it’s the fault of the policyholder.

  • Medical Payments Coverage

Simply put, this type of car insurance coverage provides financial protection against medical expenses incurred in the event that the policyholder or anyone in the car gets injured due to an accident. Medical Payments Coverage will shoulder the expenses regardless whether it’s the fault of the policyholder or the third party.

What is the process to claim comprehensive car insurance in the Philippines

If you get involved in a car accident, the first thing you should do is to call the police and get the police report. The insurance claim is based on the police report. Then you should file for insurance claim together with other documents which are required.

 

 

Car insurance
Example 2015
Example Honda
Example Civic E NAVI LE CVT 1.8
Example ZRA 124
Example 200,000
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