Standard Insurance Car Protect is a comprehensive motorcar insurance that protects your vehicle from losses arising from accidents, theft, and acts of nature (optional). Car Protect was designed exclusively for four-wheeled private-use vehicles including sedans, SUVs, AUVs, vans, station wagons, and pickups.
- Purchase Car Protect by Standard Insurance
- Renewal, Refund and Cancellation
You can avail of this product if you are:
- A Fully Verified GCash user
- The owner of a car that can be insured
Requirements for the car:
- Private Cars: Sedan, AUV, MPV, Wagon, Van, Pick-up
- Age of car up to 15 years old
- Usage must be private
Note: You may also purchase Car Protect by Standard Insurance on behalf of someone else.
Car Protect by Standard Insurance has comprehensive coverage that responds in cases where the insured's vehicle is damaged, the insured or its passengers are injured, the insured's vehicle caused damage to the property of others, and if the insured's vehicle injured other people.
|Compulsory Third Party Liability (CTPL)|
|Covers Bodily injury and/or death caused to a Third Party (person/s) by the Assured; required by law upon vehicle registration. Standard Insurance will settle a valid claim of up to PHP 100,000, subject to the policy limits. This is purchased separately.|
|Own Damage and Theft (OD/Th)||Covers accidental collision, overturning, falling, fire, and malicious acts of a Third Party on the assured’s vehicle; Standard Insurance will settle a valid claim of up to the Sum Insured.|
|Voluntary Third Party Bodily Injury (VTPBI)||Responds in excess of the Assured’s CTPL insurance in respect of bodily injury and/or death caused to a Third Party (person/s) by the Assured. Standard Insurance will settle a valid claim of up to the sum insured, over and above the PhP100,000 covered by the Assured’s CTPL insurance.|
|Voluntary Third Party Property Damage (VTPPD)||Covers damage to property owned by one or more third parties, arising from an accident caused by the Assured’s vehicle. Standard Insurance will settle a valid claim of up the sum insured.|
|·Personal Accident (PA) Rider (Auto PA)||Covers Medical treatment, dismemberment, permanent disability and/or death arising from bodily injuries caused by an external accident while the Assured or an authorized driver or any of the vehicle’s passengers are riding in, boarding or alighting from the insured vehicle. Standard Insurance will settle a valid claim of up to PhP100,000 per person, up to its maximum legal seating capacity.|
|Acts of Nature (AON)||Covers direct loss of, or damage to, the insured vehicle, its accessories and spare parts caused by an earthquake, typhoon, flood, volcanic eruption, lightning, fire and/or other convulsions of nature; Standard Insurance will settle a valid claim of up to the Sum Insured.|
|Roadside Assistance||Provides free towing service, battery boosting, locksmith, personal assistance up to the limit specified.|
Purchase Car Protect by Standard Insurance
The amount for the annual premium payment will be automatically deducted from your GCash wallet upon purchase. Please make sure you have enough balance in your GCash wallet to make a successful transaction
You can avail as many car insurance policies as you can depending on the number of cars that you own.
You will receive a confirmation SMS and an email of your Car Protect Policy.
View Policy Contract
Your Policy Contract and other Policy documents are sent to your registered email address within an hour of your successful purchase. If you were not able to receive your policy within 24 hours or if you would like to request an original copy of your policy, please contact Standard Insurance.
Changes in policy
If you have any changes in your policy, please contact Standard Insurance.
Note: Any change or modification in your insured vehicle (i.e. engine no., color, etc.) must be declared in the policy. New details that may be found contrary to the policy that are not properly endorsed may be used as grounds for the denial of the claim.
You can transfer the Car Protect policy if you plan to sell your vehicle provided that you secure the approval of the Insurer by contacting Standard Insurance. Please make sure that the policy is endorsed to reflect the new owner of the insured vehicle.
You can file a claim for loss or damage immediately after the occurrence or up to 60 days. For Acts of Nature claims, you must file your claim within seven (7) days from the date of the typhoon, flood, earthquake, flood, or other convulsions of nature.
To file a claim, go to the Standard Insurance Online Claims Notification. Once you have completed the form and have attached the required documents, a representative from Standard Insurance will email you the next steps necessary to process your claim. You may contact Standard Insurance to follow up.
Requirements for claiming the policy
To file a claim for your Car Protect Policy, please prepare the following documents:
- Certificate of Registration (CR) and Official Receipt (OR) or Certificate of Registration covering loss date
- Driver’s license
- Affidavit or police report (if with third party)
- Photos showing the full body of the vehicle that include the plate number/conductions sticker or VIN plate, damages on the unit, and odometer reading.
- Letter of Authority Issued to CASA/Repair Shop or Cash Settlement
Once you have filed a claim and have completed the required documents, it will be processed within 5 days for claims up to PHP 100,000 and 5-20 days for other cases depending on the extent of the damage.
Renewal, Refund, and Cancellation
To renew your policy, please register your existing policy for online access on the Standard Insurance website. Registered policies get a renewal prompt 90 days before policy expiration. You may log in to your online access to initiate a renewal or you may contact Standard Insurance.
You may request a refund and cancel your policy within seven (7) days after receiving it via email. All premiums shall be returned to your GCash wallet provided it is made before 12:00 AM (midnight) of the same day of purchase. A representative of Standard Insurance shall process cancellation requests made after the cut-off. Refund shall be credited back to your GCash wallet or nominated bank account.
If the 7-day cancellation period falls on the following month, pro-rata premium and taxes shall be returned except the documentary stamps.
You may request the cancellation of your policy if your unit has been sold. If you did not file a claim during the policy year, a refund on the basic premium, excluding taxes, will be processed based on the Short Period Rate Scale stipulated in your policy. However, if you have already incurred a claim and collected the proceeds or in process before your request for cancellation, no premium and taxes will be returned.
Contact Standard Insurance
To contact Standard Insurance, please check out their available channels below:
Mobile: (+63)917-828-3984 from 8:00 AM-5:00 PM
Hotline: (+632) 8845-1111 after 5:00 PM