Purpose-built protection for modern driving. Choose Car Protect for traditional combustion engine vehicles or Standard EVantage, insurance for electric vehicles.
Comprehensive Car Insurance for Gas, Diesel and Electric Vehicles (EVs) in the Philippines
Car Protect: Offers robust, comprehensive car insurance for internal combustion engine (ICE) vehicles, ensuring complete peace of mind and reliable financial protection every time you hit the road.
Standard EVantage: EV insurance engineered for electric vehicles. It combines complete traditional auto coverage with dedicated protection for EV batteries, home chargers, and charging cables.
Get Comprehensive Car Insurance Quote
Whether you drive a traditional gas-powered car or an electric vehicle, Standard Insurance provides comprehensive car insurance tailored to your driving habits, lifestyle, and budget.
Own Damage (OD): Financial protection against physical property damage caused by accidental collision, overturning, fire, falling objects, or third-party malicious acts.
Third-Party Property Damage (TPPD): Covers legal liabilities if your insured vehicle causes damage to another person's property.
Voluntary Third-Party Liability (VTPL) / Excess Bodily Injury: Extends coverage beyond compulsory limits to protect against liability claims involving third-party bodily injury or death resulting from a vehicular accident.
Theft: Covers the total financial loss of the insured vehicle or its parts due to theft or carnapping.
Acts of Nature (AON): Covers vehicle damage caused by natural catastrophes including floods, typhoons, earthquakes, volcanic eruptions, lightning, and severe weather.
24/7 Roadside Assistance Program: Comprehensive emergency support including vehicle towing, technical roadside help, and emergency battery charging for electric vehicles during breakdowns or accidents.
Unnamed Passenger Personal Accident (PA) Insurance: Covers medical expenses, disability, or accidental death benefits for passengers and drivers involved in a car accident.
Value-Added Services: Includes complimentary Personal Accident (PA) insurance for the vehicle owner/assured, automatic technical roadside assistance, and accredited Casa repair services.
Home Charging Station Coverage: Protects against accidental damage or physical breakage to your dedicated home wallbox charging unit resulting from accidental impacts, a specialized electric vehicle insurance cover.
Portable Charging Cable Protection: Safeguards your portable EV charging cable against accidental damage or breakage while charging at public stations or on the go.
Loss of Use Transportation Allowance: Provides a daily transportation allowance of ₱500 per day for up to 15 days (maximum ₱7,500 per policy period) while your EV undergoes repairs for a covered Own Damage claim.
Green Driving Rewards: Exclusive privileges and freebies designed for eco-conscious drivers switching to sustainable electric vehicles.
Comprehensive car insurance is a motor insurance policy that provides broader protection for the insured vehicle against accidental loss or damage, such as collision, theft, fire, Acts of Nature (AON), and other covered risks, depending on the terms, conditions, exclusions, and coverage selected under the policy
A standard car insurance policy provides coverage for accidental damage to the insured vehicle, theft or total loss, bodily injury and property damage to third parties, and damage caused by Acts of Nature (AON). Depending on the policy, it may also include additional benefits such as 24/7 roadside assistance, Casa repair, and coverage for specific EV components.
EV insurance is a motor insurance policy designed specifically for electric vehicles. It provides the usual protection against common motor risks, such as accidental damage, theft, and Acts of Nature (AON), while also providing additional coverage for EV-specific components, such as the high-voltage battery, home wallbox charger, and charging cable, subject to the policy’s terms, conditions, exclusions, and limits.
It may also provide specialized roadside assistance for EV-related emergencies, giving EV owners added protection and support for their vehicle.
Electric vehicles (EVs) have specialized components and technology that are different from conventional vehicles, particularly the high-voltage battery, charging cable, and home wallbox charger. These components can be costly to repair or replace and may require specialized handling.
EV insurance provides additional protection for these EV-specific components, while also covering common motor risks such as accidental damage, theft, and Acts of Nature (AON), subject to the policy’s terms, conditions, exclusions, and limits.
Car insurance costs in the Philippines depend on your vehicle’s total market value, vehicle type, driver profile, location, and chosen coverage limits. Electric vehicle insurance premiums may reflect battery replacement costs and specialized component protections.
Look for comprehensive coverage limits, broad repair networks (accredited Casas), hassle-free claims processes, reliable roadside assistance, Acts of Nature inclusion, and specialized features if you drive an electric vehicle.
Yes, Standard Insurance offers Standard EVantage, a dedicated EV insurance package in the Philippines that covers charging cables, wallbox stations, battery risks, and emergency roadside charging.
Yes. Standard EVantage covers portable charging cables and home wallbox stations against accidental breakage, physical impact, and covered power-related incidents.
Landline: +632-8845-1111
Email: teamonline@standard-insurance.com
Branch Network: Visit any Standard Insurance branch nationwide