Auto insurance is a policy that protects you financially if your vehicle is involved in an accident, damaged, or stolen, or if you are held liable for injury or damage to others. You pay a premium, and in return the insurer covers eligible losses based on the policy's terms. In the Philippines, coverage ranges from basic compulsory protection to broader plans for cars, motorcycles, and business fleets. As an independent insurance broker, Affinitas compares auto insurance options from multiple insurers and helps you choose protection that fits your vehicle, budget, and driving needs.

Yes, in part. Compulsory Third Party Liability (CTPL) insurance is legally required to register any vehicle with the Land Transportation Office, and it covers injury or death caused to third parties in an accident. It does not cover damage to your own vehicle. Broader protection, such as comprehensive auto insurance, is optional and covers a wider range of situations, including damage to your own vehicle. Affinitas can explain what is required versus what is worth adding, and compare options from multiple insurers so you stay both compliant and properly protected.

Comprehensive auto insurance typically goes beyond the compulsory third-party coverage to protect your own vehicle as well. Depending on the insurer and policy, it can cover own damage from accidents, theft, fire, and third-party liability for injury or property damage, and it may offer optional add-ons such as Acts of Nature coverage. What is included, along with deductibles and exclusions, varies by insurer and plan. Affinitas walks you through exactly what each comprehensive auto insurance policy covers and compares them so you can choose the right level of protection.

The cost of auto insurance depends on several factors, so there is no single price. Insurers look at things like your vehicle's make, model, age, and value, the type and level of coverage you choose, your driving history, and where the vehicle is used. Compulsory CTPL is relatively low in cost, while comprehensive car insurance carries a higher premium because it covers much more. Rather than quoting a single figure, Affinitas gathers and compares quotes from multiple insurers based on your details, so you can see your real options and competitive value for the protection you need.

In many cases, yes, though it depends on your insurer and policy. Some comprehensive plans let you choose from a network of accredited repair shops, while others allow you to use your preferred shop, sometimes on a reimbursement basis. The available options, accredited shops, and approval requirements vary by insurer and plan. Affinitas explains the repair and workshop terms of each policy up front, so you know your options before you buy, and helps coordinate with the insurer if you need to make a claim.

First, make sure everyone is safe and seek medical help if anyone is injured. If it is safe to do so, document the scene by taking photos, note the details of the other parties and any witnesses, and file a police report where required. Then notify your insurer, or your broker, as soon as possible to start the claims process. Requirements differ by insurer and situation. As your independent broker, Affinitas guides you through the steps after an accident and helps you coordinate with your insurer so nothing important is missed.

The exact process depends on your insurer and policy, but filing a claim generally involves notifying the insurer promptly, submitting the required documents such as the police report, photos, and repair estimates, and having the insurer assess the damage before the claim is settled. Some claims are handled through accredited repair shops, while others are reimbursed. Affinitas assists you throughout the claims process, helping you prepare the requirements and coordinate with the insurer so it is as straightforward as possible.

In most cases, yes. Many auto insurance policies can be adjusted at renewal or during the policy term, whether you want to add coverage, change your level of protection, or update details as your vehicle or circumstances change. The available options, and any requirements, depend on your insurer and the type of policy you hold. As your independent broker, Affinitas reviews your coverage at renewal and compares options across insurers, so your auto insurance keeps pace with your vehicle and your needs.