Comprehensive Car Insurance Online is AXA’s comprehensive motor car insurance product made available onlinethrough AXA’s e-commerce site. It’s your solid game plan on the road that’s fast and easy to buy. Everything is done online – simply apply and pay with just a few clicks.

Protect yourself and your car with customizable coverage and a hassle-free filing of claims, 24/7 emergency roadside assistance, and a secure and safe debit or credit card payment gateways

This product is available online through AXA’s e-commerce site. It only takes 3 minutes to complete the 3 simple steps to buy your car insurance: Check if your car meets the eligibility criteria, apply by inputting your vehicle’s details together with your desired coverage, and pay using your credit or debit card.

Check if your car meets the following criteria:

Vehicle Type/Usage	Open only to select brands (see list below). Available only to Private Cars (purely for domestic and pleasure use only). Vehicles used for business (i.e. rent-a-car, TNVS like Grab) are not covered. Vehicles under a fleet account (e.g. company owned vehicles) are also not covered.
Vehicle Age	For Own Damage (OD)/Theft (TH) & Acts of Nature (AON) coverage, the vehicle age must not be more than 7 years old.
Fair Market Value (FMV)	FMV must not be less than Php500,000 and not more than Php5 million.
Acceptable Brands	Audi BMW Chevrolet Chrysler Ford Honda Hyundai Isuzu Jeep Kia Mazda Mercedes Mitsubishi Nissan Peugeot Land Rover Ssangyong Subaru Suzuki Toyota Volkswagen Volvo
Effectivity Cover	Within 24-48 hours after purchase (Policies purchased before the 12PM cut-off will be activated 12PM the following day) Selected date of policy effectivity

If you want another car insurance product or your car is not on the list of acceptable brands, you can visit the nearest AXA Business Center or call us at (+632) 8 581-5292 (Operating Hours: 8:00 AM - 8:00 PM, Monday – Friday).

COVERAGES	DESCRIPTION	Coverage
LOSS OR DAMAGE
Own Damage (OD)	Protects policyholder against damage incurred by the insured vehicle due to accidental collision, fire, explosion, overturning and malicious damage.	FMV +/- 10%
Theft (TH)	Protects the policyholder against loss in or theft of the insured vehicle.
ADDITIONAL 3RD PARTY LIABILITY
Voluntary Third Party Liability - Bodily Injury (VTPL-BI)	Cover intended to protect policyholder against 3rd party liability in excess of the CTPL cover	Options from Php500K to Php1 million
Voluntary Third Party Liability - Property Damage (VTPL-PD)	Cover intended to protect policyholder against damage to properties of 3rd party(ies).	Options from Php500K to Php1 million
OPTIONAL
Acts of Nature (AON)	Cover against flood, typhoon, hurricane, volcanic eruption, and earthquake.	FMV +/- 10%
Roadside Assistance	24/7 emergency assistance accessible via Rescue Line in EMMA by AXA app	Additional premium of Php300.00
OTHERS
Unnamed Passenger PA (UPPA)	Protection extended to the passengers riding in, boarding, or alighting from the insured vehicle.	Php50K per seat (for 5 seats)

*A standard deductible for private cars will be used (0.5% of the total loss or a minimum of Php2,000). Product features may vary depending on the Motor Insurance Coverage availed.

Roadside Assistance* is an optional benefit that lets you access its 24/7 Emergency Assistance feature which may include assistance for minor roadside repairs, towing services, emergency message relay, and transportation, accommodation, and medical assistance in case of accidents.

Benefits
Emergency Towing due to Mechanical Breakdown	Up to 5,000/incident
Emergency Minor Roadside Repairs	Up to 5,000/incident
Removal of Vehicle	Up to 10,000/incident
Return of the Driver Transportation Allowance	Up to 2,000/incident
Hotel Accommodation	Up to 2,000/incident
Assistance / Services**
Locksmith Assistance
Emergency Message Relay
Referral to Accredited Repair/Service Centers
Arrangement for Hospital Admission and Ambulance Services
Concierge/Lifestyle Services**
Emergency Message Relay
Hotel Referral and Reservation
Shopping Locations Information
Flight Information

Request for Roadside Assistance and other emergency through Rescue Line**.

You may access AXA Rescue Line through EMMA by AXA app. Download Emma by AXA and register (if you have an existing MyAXA account) or create your account. Nominate three (3) emergency contacts to alert via SMS in case an emergency.

You may refer to your Policy Cover for the complete list of product benefits.

*Optional benefit. May vary depending on the Car Insurance Coverage purchased.
**Additional charges applies for services requested for policyholders who did not purchase the Roadside Assistance feature.

Total Loss
In case your vehicle is declared as a total loss subject to submission of required documents, the amount of your claim less deductible, will be based on the Fair Market Value (FMV) at the time of the loss or damage.

A vehicle may also be declared as a “total loss” when the cost for the repair and replacement of parts is higher than its Fair Market Value (FMV).

For example, your car is declared a total loss after an accident. At the time of the accident, your car’s FMV amounts to Php1 million. The total loss that you can claim is Php1 million.

Partial Damage
In case of partial damage, the amount of claim will be based on the total cost of repairs and/or replacement of parts less deductible. The cost of the replacement parts will be further based on the depreciated value of brand new parts, relative to the vehicle’s age.

AXA maintains an updated FMV table based on online vehicle buy-and-sell sites, major dailies, magazines, etc.

This is also called a participation fee. This is the amount that you will shoulder in case of loss or damage. This will be “deducted” from the amount of claim recoverable as your “participation fee”. A standard tariff rate of 0.5% of the vehicle value/repair cost or a minimum of Php2,000 will be used for Car Insurance Online.

AXA Assist is exclusively available for Car Insurance customers. This is a downloadable mobile app that lets you process claims in a snap.



AXA Assist is available in Android and iOS.

Non-AXA Assist If you do not have an AXA Assist App on your mobile phone, you can file a claim by visiting the nearest AXA Business Center to submit you claim form:

1. Report the accident to AXA immediately by calling (+632) 8 581-5292 (Operating Hours: 8:00 AM - 8:00 PM, Monday – Friday)
2. Submit the requirements needed for the processing and settlement of claim, together with the filled out claim form.
3. Have your unit inspected by an Authorized AXA representative prior to repairs.
4. Wait for the issuance of Letter of Authority (LOA) before going to your preferred shop.

You may refer to your policy jacket for more details and a copy of the claim form.

You may print the Insurance Cover sent to your registered email when you purchase the product. Should you wish to receive a physical copy of the policy document from AXA, you can file a request by calling us at (+632) 8 581-5292 (Operating Hours: 8:00 AM - 8:00 PM, Monday – Friday).

Visit your nearest AXA Business Center or call us at (+632) 8 581-5292 (Operating Hours: 8:00 AM - 8:00 PM, Monday – Friday).