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Comprehensive Car Insurance: What Does It Usually Cover?

A vehicle owner reads through the benefits provided by his newly-purchased comprehensive car insurance


Driving along the bustling streets of the Philippines, you can’t help but feel a sense of pride as you navigate your way through the urban jungle in your beloved car. However, that feeling of security can easily be shattered with just one accident or unforeseen event. That is why you need comprehensive car insurance.

In the Philippines, comprehensive car insurance is not mandatory, but it’s highly recommended. Compulsory Third-Party liability (CPTL) insurance is the only required insurance for car owners. However, CTPL insurance only covers the damages you may cause to other people and their properties. That means you’ll have to pay for any damages to your own vehicle out of your pocket.

In the world of auto insurance, there’s a wide array of policies to choose from, but among them, comprehensive car insurance stands out as the preferred choice for many Filipino drivers. Why? Simply put, it’s the full insurance for car owners who want to ensure they’re protected against all possible risks on the road.

What Does Comprehensive Car Insurance Cover?

Comprehensive car insurance is designed to protect against a wide range of incidents that can cause damage to your vehicle. At Cebuana Lhuillier, we offer AutoCARE Insurance, one of the cheapest comprehensive insurances in the Philippines. This affordable, comprehensive auto insurance is available nationwide in all our branches. If your car is insured with this policy, it will be covered by the following:

Own Damage  

One of the main benefits of comprehensive car insurance is that it covers own damage, which refers to any damage sustained by your vehicle due to an accident, collision, or mishap. The policy will cover your cost of repairs, ensuring that you don’t have to bear the financial burden alone. This is particularly helpful for first-time car owners, as it can save you from substantial expenses in case of an accident.

Theft and Loss

In the unfortunate event that your car is stolen or lost, comprehensive car insurance provides financial protection. With this coverage, you may claim your car’s Fair Market Value with your insurance company. This is computed by subtracting the original market price of your vehicle from the depreciation of your car’s value.

Excess Bodily Injury

This covers the medical expenses and compensation for injuries sustained by third parties involved in an accident with your vehicle. The comprehensive coverage goes beyond the CTPL insurance, providing extra protection and financial support in case of serious accidents.

Excess Property Damage

Comprehensive car insurance also covers any damage caused to third-party property in an accident involving your vehicle. This coverage ensures that you won’t be held financially responsible for repair costs to other people’s property, saving you from any further potential setbacks.

Acts of Nature

The Philippines is prone to natural calamities like typhoons, floods, volcanic eruptions, and earthquakes. Also called Acts of God, Acts of Nature coverage ensures that your vehicle is protected against damages caused by such events. This provides peace of mind to car owners, knowing that their investment is safe even in the face of unpredictable natural disasters.

How Long Does Comprehensive Car Insurance Last?

The validity duration of comprehensive auto insurance depends on the coverage specifics and the company, so you must check your policy to know when to purchase it again. It is also best to ensure that your coverages are active before driving your vehicle regularly.

Cebuana Lhuillier’s AutoCARE coverage lasts one year, and it’s one of the cheapest comprehensive insurance policies in the Philippines. With our affordable rates, you don’t need to spend much on your first purchase or renewal.

 Is Comprehensive Car Insurance Required?

Only CTPL is required by Philippine law. However, purchasing comprehensive car insurance can significantly benefit you and your vehicle. With this policy on top of third-party liability premiums, you can ensure your car is entitled to more coverage whenever the situation calls for it.

CTPL policies only cover medical fees for injuries to third-party individuals. So, if you are to be involved in a vehicular accident that causes bodily harm to you and your passengers, this type of insurance will not cover your medical expenses. When this happens, having comprehensive auto insurance will be more beneficial

Though investing in comprehensive insurance might seem more expensive, purchasing additional premiums can relieve your budget of costly repairs to your vehicle in the long run. Besides coverage for first- and second-party liabilities, comprehensive car insurance offers inclusions for damages related to other instances.

How To Purchase Comprehensive Car Insurance?

Getting comprehensive auto insurance from Cebuana Lhuillier is quick and hassle-free. Our AutoCARE policy is affordable and fast to process, and you only need to submit minimal documentary requirements.

To buy our AutoCARE insurance, simply follow the following steps:

  1. Visit any Cebuana Lhuillier branch
  2. Request for your preferred policy
  3. Present the payment for the Certificate of Cover
  4. Accomplish and sign the Certificate of Cover
  5. Secure the certificate


Buying car insurance can ease your financial burdens in times of vehicular accidents. However careful you may be while driving, you cannot control how other drivers might behave on the road. It would be best if you are prepared for whatever comes your way, and one step you can take is buying auto insurance.

Although Philippine law requires purchasing CTPL policies, adding comprehensive car insurance to your vehicle’s premiums is still the best choice. This type of insurance provides you with benefits beyond what third-party liability coverage offers.

Cebuana Lhuillier offers affordable car insurance policies in the Philippines. Our AutoCARE insurance is cost-efficient and reliable. It also has wider coverage than the government-mandated CTPL. With this investment, you can secure many benefits for you and your vehicle. For any questions or concerns about our comprehensive car insurance policies, feel free to get in touch with us today!