Standard Insurance, a cooperative partner of Zurich Insurance Group, was established in 1958. The company offers a wide range of property and general insurance products for individuals, small and medium enterprises and local and global corporations, with products such as the Standard car insurance plan, among many others.

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What is the Standard Car Insurance plan? 

Standard Insurance’s Car Protect insurance product provides automobile owners at least five areas of coverage, as well as add-on options depending on a customer’s preference. The basic coverages of this product from Standard Insurance include compulsory third party liability, voluntary third party liability, third party property damage, own damage, and theft.

Standard insurance car insurance is available for cars of up to 10 years of age. Specifics for auto insurance policies differ depending on whether the car being covered is for private or commercial (light or medium vehicles) use.

Standard Car Insurance coverage for car loss or damage

Standard Insurance’s auto insurance plan covers the loss or damage of your vehicle via fire or theft, up to the vehicle’s fair market value, as well as via act of nature for selected or mortgaged cars. This car insurance also covers dealer repairs for cars up to two years old, as well as vehicle accessories repairs (standard original factory equipment only). Damage caused by terrorism attacks is excluded from coverage.

Standard Car Insurance coverage for accidents

For instances when the car causes damage to third party property or death or bodily injury to third party persons, Standard Insurance can shoulder up to P200,000 in damages. The plan also covers up to P5,000 for medical expenses and P10,000 in compensation for personal accidents to the driver and passengers, as well as ambulance service, hospital admission assistance, and medical expense reimbursement.

Standard Car Insurance assistance coverage and other features

Standard Philippinesauto insurance products offer roadside assistance services for cars up to 15 years old, including reimbursement of up to P4,000 for towing services and P15,000 for crane service. Other offerings include vehicle retrieval service, 24/7 roadside assistance, minor on-site repair, vehicle jumpstarting, battery boosting, tire replacement, locksmith service, vehicle removal, motor shop referral, traffic updates, road directions, and emergency fuel delivery.

This auto insurance plan is also inclusive of reimbursement for hotel expense in case of car breakdowns, emergency message relay service, legal assistance, referral to authority assistance, security glass etching, and compensation of P500 per day for up to 15 days for loss of use of car due to mishaps.

Am I eligible for Standard Car insurance? 

A Filipino citizen who owns a car and a driver’s license is required to get a compulsory third-party liability insurance. Beyond that, such a person is eligible to apply for car insurance from Standard Insurance Philippines if he is interested in widening the coverage of his insurance. After filling out the application form, which can be downloaded from the official website of the company or obtained from any Standard Insurance branch, an applicant must pass these requirements and be ready with at least some of these documents.

What are the requirements of a Standard car insurance plan?


Minimum Requirements for Standard Car Insurance 

  • Filipino citizen

  • 18 yrs old and above

  • Vehicle must be 10 years old at most

Required Documents for Standard Car Insurance 

  • Duly accomplished application form

  • Your vehicle’s original receipt (OR)

  • Your driver’s license

  • Your vehicle’s Certificate of Registration

  • Any valid ID (in addition to the license)

Compare Online: Why choose GoBear

There are many options for car insurance plans in the Philippines, and it may be time-consuming to inquire about every plan. You can now compare details of a Standard car insurance plan with similar products. See a side-by-side comparison of fees, interest rates, and requirements by comparing with GoBear, a free and easy-to-use website, created to help Filipinos make smarter financial decisions.

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Compare car insurance with GoBear Philippines to compare Standard Car Insurance with dozens of other car insurance plans.