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Learn more about car insurance

Get your head around car insurance

No tricky insurance lingo here. Just simple articles on complex topics.


8 July 2020
man in car
Now maybe the best time to find a good deal on both new and pre-owned cars for use when life goes back to (the new) normal.

Frequently asked questions

Q: What type of car insurance should I get?

Well, it depends on how much you want to pay and what you want to be covered for.

Everyone in the Philippines has to have basic insurance, the insurance geeks call this Compulsory Third Party Liability (CTPL) or Compulsory Motor Vehicle Liability Insurance (CMVLI). See the word “compulsory” there? That means you don’t have a choice—no insurance, no registration with the Land Transportation Office. This compulsory insurance covers you up to ₱100,000 if you have an accident and someone else (who isn’t in your car) is seriously hurt or dies.

You can choose to add comprehensive insurance on top of your compulsory policy. What you get varies between insurers. You can compare with GoBear to see which insurers offer the benefits you want. Some of the extra benefits you can choose are:

  • Own Damage and Theft: This covers your car if it’s damaged in an accident or fire, or if someone damages your car on purpose or steals it.
  • Acts of Nature: Natural disasters can be unpredictable. If you live in an area that gets lots of tropical storms, you might want to add this benefit to your policy. It covers your car if it’s damaged by earthquakes, typhoons, hurricanes, and volcanic eruptions.
  • Strike, riot, and civil commotion: When people are passionate about a cause, things can get out of hand. This benefit covers your car if it gets damaged or totaled during a strike, riot, or commotion. We hope, for your sake, you’re not in the car if this happens!
  • Extra third party Liability: This is also referred to as voluntary third-party liability or VTPL. As mentioned above, you already have some third-party cover in your compulsory insurance. But you can choose to add this extra coverage in case the third-party claim is higher than what your basic insurance will cover. There are 2 different types:
    • Bodily Injury (VTPL-BI): If you have an accident where someone gets hurt or dies, this tops up your cover over the ₱100,000 that’s covered in your basic compulsory plan. For example, if the claim is for ₱ 175,000, then ₱75,000 (above your compulsory plan’s ₱100,000 limit) will be covered under this extra third-party insurance. Different plans will have different limits that are covered so be sure to check with your provider.
    • Property Damage (VTPL-PD): This covers the expenses if you accidentally hit another car or someone else’s property. It only includes the car and property of the third-party.
  • Personal accidents: If you have an accident and you or your backseat driver (or any other passenger!) get seriously hurt or die, this cover will pay a percentage of how much your car is insured for. Not all injuries are covered though, so double check with your provider.
  • Roadside assistance: This is your Plan B to get to where you’re going if your car kicks the bucket or gets stolen. Some providers will even tow your car under this benefit, but best to check with them to make sure it’s included.

Q: What is car insurance?

Car insurance is a contract between a car owner and an insurer, providing for financial protection over accidents and injuries involving a vehicle and its passengers.

Q: Why should I compare car insurance with GoBear?

Well, it’s simple. We make it easy for you to compare what’s in (or out) of your plan, claims handling, and even promos. Best of all, we’re completely free for you to use. We just show you all the great deals, you compare them, and then you choose what’s right for you. Once you’ve made that choice, we hook you up with the insurance provider to seal the deal. We want to be absolutely clear – we’re on your side. All the plan pricing you see comes directly from the insurers. It’s exactly the same as what’s on their website or advertising campaigns. No mark-ups, commissions or extra charges. Just an easy way to compare before applying to see how much you can really save.

Q: When should I consider renewing my car insurance?

Ideally 1-2 months before your car insurance expires. This will give you enough time to renew your vehicle registration and run through an emissions test if you need one. Insurance providers often introduce updates to their plans that might be up your alley, so you should think about comparing car insurance plans on GoBear before you renew!

Q: Can I cancel my car insurance any time and get a refund of my premium?

Yes, you can. The insurance company will figure out how much you’ve used (as per the Short Period Rate Scale) but you’ll get back the remainder.

Q: What are the car insurance companies in the Philippines?

There are lots of companies that provide car insurance in the Philippines, and some of them are a little shady. GoBear only works with companies licensed by the Insurance Commission – so you don’t have to worry when you’re comparing on GoBear.

Q: What is a “third party” in car insurance terms?

Well, I hope you’re not disappointed but it doesn’t have anything to do with cake and balloons. A third party is someone, (who’s not in your car) who gets injured (or worse), due to an accident caused by your car.