Hi. How can we help?

Yes, but the existing damages won’t be covered.
GoBear is a free and easy-to-use website that allows you to see a side-by-side comparison of details like car insurance coverage inclusions and exclusions, requirements, claims handling, and even promos. You can compare benefits and low downs of different insurance policies from all insurance companies in the Philippines. GoBear is not a broker or a seller, which means all amounts in Peso reflect actual costs from the company at the time of comparison (no commissions or extra charges). Compare online before applying to see how much you can actually save.
A deductible is what you need to pay (e.g. PHP 2,000) before the insurance kicks in and the provider pays (e.g. from PHP 2,001 onwards). Some providers offer the option to increase your deductible to reduce your monthly charges (aka your premium).
If your car is brand new (mmm, gotta love that new car smell!) you only need to show the sales invoice.

If you’ve bought a second hand car you’ll need to show:
1. Official receipt from LTO
2. Certificate of registration from LTO
3. Pictures of all sides of the car
4. Your name and contact details (or your preferred contact person)

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.

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!

In the Philippines insurers don’t take your driving history or where you live into account when figuring out your premium. So, there’s no discount… but the GoBear team is sending you bear hugs and high fives for making the roads safer.
Yep, you’re still covered. But the insurers will share the claim – that means you won’t get double insurance payouts, you’ll only get what the original claim is worth. You seem like a smart cookie, so we’ll leave you to do the math on that one.

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.

Automobiles are used for personal purposes which specifically refer to cars such as sedans, coupés, compact and full-sized cars.