Comprehensive Insurance for your vehicle
Covers privately used vehicles such as sedans, AUVs, SUVs and pick-ups
Voluntary third-party liability (VTPL)
Protects the policyholder against third party liabilities from bodily injuries in excess of the CTPL cover and property damage.
Own damage and the (OD/TH)
Covers against loss or the and damage incurred by the insured vehicle due to accidental collision, fire, explosion, overturning, and malicious damage.
Acts of nature (AON)*
Covers against flood, typhoon, hurricane, volcanic eruption, and earthquake.
Unnamed passenger personal accident (UPPA)*
Extends protection to the passengers riding in, boarding, or alighting from the insured vehicle.
Roadside assistance
Provides 24/7 emergency assistance that includes towing, minor roadside repairs, tire change, gasoline delivery, locksmith, etc.
Claims made easy
Allows you to file claims using your mobile phone by uploading photos of the protected parts of your vehicle
Get insured now!
Car Insurance FAQs
Comprehensive Car Insurance Online is AXA’s comprehensive motor car insurance product made available onlinethrough AXA’s e-commerce site. It’s your solid game plan on the road that’s fast and easy to buy. Everything is done online – simply apply and pay with just a few clicks.
Protect yourself and your car with customizable coverage and a hassle-free filing of claims, 24/7 emergency roadside assistance, and a secure and safe debit or credit card payment gateways
This product is available online through AXA’s e-commerce site. It only takes 3 minutes to complete the 3 simple steps to buy your car insurance: Check if your car meets the eligibility criteria, apply by inputting your vehicle’s details together with your desired coverage, and pay using your credit or debit card.
Check if your car meets the following criteria:
| Vehicle Type/Usage |
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| Vehicle Age |
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| Fair Market Value (FMV) |
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| Acceptable Brands |
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| Effectivity Cover |
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If you want another car insurance product or your car is not on the list of acceptable brands, you can visit the nearest AXA Business Center or call us at (+632) 8 581-5292 (Operating Hours: 8:00 AM - 8:00 PM, Monday – Friday).
| COVERAGES | DESCRIPTION | Coverage |
| LOSS OR DAMAGE | ||
| Own Damage (OD) | Protects policyholder against damage incurred by the insured vehicle due to accidental collision, fire, explosion, overturning and malicious damage. | FMV +/- 10% |
| Theft (TH) | Protects the policyholder against loss in or theft of the insured vehicle. | |
| ADDITIONAL 3RD PARTY LIABILITY | ||
| Voluntary Third Party Liability - Bodily Injury (VTPL-BI) | Cover intended to protect policyholder against 3rd party liability in excess of the CTPL cover | Options from Php500K to Php1 million |
| Voluntary Third Party Liability - Property Damage (VTPL-PD) | Cover intended to protect policyholder against damage to properties of 3rd party(ies). | Options from Php500K to Php1 million |
| OPTIONAL | ||
| Acts of Nature (AON) | Cover against flood, typhoon, hurricane, volcanic eruption, and earthquake. | FMV +/- 10% |
| Roadside Assistance | 24/7 emergency assistance accessible via Rescue Line in EMMA by AXA app | Additional premium of Php300.00 |
| OTHERS | ||
| Unnamed Passenger PA (UPPA) | Protection extended to the passengers riding in, boarding, or alighting from the insured vehicle. | Php50K per seat (for 5 seats) |
*A standard deductible for private cars will be used (0.5% of the total loss or a minimum of Php2,000). Product features may vary depending on the Motor Insurance Coverage availed.
Roadside Assistance* is an optional benefit that lets you access its 24/7 Emergency Assistance feature which may include assistance for minor roadside repairs, towing services, emergency message relay, and transportation, accommodation, and medical assistance in case of accidents.
| Benefits | |
| Emergency Towing due to Mechanical Breakdown | Up to 5,000/incident |
| Emergency Minor Roadside Repairs | Up to 5,000/incident |
| Removal of Vehicle | Up to 10,000/incident |
| Return of the Driver Transportation Allowance | Up to 2,000/incident |
| Hotel Accommodation | Up to 2,000/incident |
| Assistance / Services** | |
| Locksmith Assistance | |
| Emergency Message Relay | |
| Referral to Accredited Repair/Service Centers | |
| Arrangement for Hospital Admission and Ambulance Services | |
| Concierge/Lifestyle Services** | |
| Emergency Message Relay | |
| Hotel Referral and Reservation | |
| Shopping Locations Information | |
| Flight Information |
Request for Roadside Assistance and other emergency through Rescue Line**.
You may access AXA Rescue Line through EMMA by AXA app. Download Emma by AXA and register (if you have an existing MyAXA account) or create your account. Nominate three (3) emergency contacts to alert via SMS in case an emergency.
You may refer to your Policy Cover for the complete list of product benefits.
*Optional benefit. May vary depending on the Car Insurance Coverage purchased.
**Additional charges applies for services requested for policyholders who did not purchase the Roadside Assistance feature.
Total Loss
In case your vehicle is declared as a total loss subject to submission of required documents, the amount of your claim less deductible, will be based on the Fair Market Value (FMV) at the time of the loss or damage.
A vehicle may also be declared as a “total loss” when the cost for the repair and replacement of parts is higher than its Fair Market Value (FMV).
For example, your car is declared a total loss after an accident. At the time of the accident, your car’s FMV amounts to Php1 million. The total loss that you can claim is Php1 million.
Partial Damage
In case of partial damage, the amount of claim will be based on the total cost of repairs and/or replacement of parts less deductible. The cost of the replacement parts will be further based on the depreciated value of brand new parts, relative to the vehicle’s age.
AXA maintains an updated FMV table based on online vehicle buy-and-sell sites, major dailies, magazines, etc.
This is the amount that you will shoulder in case of loss or damage. This will be “deducted” from the amount of claim recoverable as your “participation fee”. A standard tariff rate of 0.5% of the vehicle value or a minimum of Php2,000 will be used for Car Insurance Online.
AXA Assist is exclusively available for Car Insurance customers. This is a downloadable mobile app that lets you process claims in a snap.
AXA Assist is available in Android and iOS.
Non-AXA Assist If you do not have an AXA Assist App on your mobile phone, you can file a claim by visiting the nearest AXA Business Center to submit you claim form:
- Report the accident to AXA immediately by calling (+632) 8 581-5292 (Operating Hours: 8:00 AM - 8:00 PM, Monday – Friday)
- Submit the requirements needed for the processing and settlement of claim, together with the filled out claim form.
- Have your unit inspected by an Authorized AXA representative prior to repairs.
- Wait for the issuance of Letter of Authority (LOA) before going to your preferred shop.
You may refer to your policy jacket for more details and a copy of the claim form.
You may print the Insurance Cover sent to your registered email when you purchase the product. Should you wish to receive a physical copy of the policy document from AXA, you can file a request by calling us at (+632) 8 581-5292 (Operating Hours: 8:00 AM - 8:00 PM, Monday – Friday).
Visit your nearest AXA Business Center or call us at (+632) 8 581-5292 (Operating Hours: 8:00 AM - 8:00 PM, Monday – Friday).
Easy claims in 3 steps
1
Contact your broker, agent, or bancassurance agent and give him/her an incident report
2
Expect a call from an AXA representative for appointment setting (to assess damage of property) and list of requirements needed depending on the nature of loss.
3
Submit the needed requirements to the AXA representative assigned to visit you