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Finally, quick and easy paperless car insurance claims!

Finally, quick and easy paperless car insurance claims!

Finally, quick and easy paperless car insurance claims!

Drive confidently with AXA's Comprehensive Car Insurance Online

Get immediate protection for you and your vehicle from damage, theft, and third party liabilities on top of your compulsory coverage.

Claims in 3 Easy Steps
Customize and Pay in 5mins
Pay online via debit or credit card

Activate your car insurance coverage and enjoy all these today!

Emergency red button

Press the red button and relax. Police, ambulance, or firefighter aid will arrive. No WiFi or data connection needed!

Claims made easy

Use your AXA Assist app to file claims and a representative will in get touch to help you. No need for tedious paperwork!

24/7 roadside assistance

Call the hotline to get onsite support for minor repairs or other vehicle and concierge assistance needs.

Plus! 24/7 tele-consultation

Consult with our doctors for any medical emergency. No appointment needed! Get trusted advice, anytime, anywhere.

Insurance claims in 3 easy steps:


Take clear photos of the damaged parts of the vehicule and required claims documents (i.e. OR/CR Driver’s license, insurance policy). No need to get a police report).


Upload the photos in the Motor Insurance Claim under the Services tab in your AXA Assist App.


Receive update via SMS message and/or email within 48hours upon submission of documents (except Saturdays and Sundays).

We've got you covered.

Voluntary Third Party Liability ( VTPL)

Protects the policy holder against 3rd party liabilities from bodily injuries in excess of the CTPL cover and property damage

Own Damage and Theft (OD/TH)

Covers against loss or theft and damage incurred by the insured vehicule due to accidental collision, fire, explosion, overturning, and malicious damage

Acts of Nature (AON)

Covers against flood, typhoon, hurricane, volcanic eruption, and earthquake

Unnamed passenger personal accident (UPPA)

Extends protection to the passengers riding in, boarding, or alighting from the insured vehicule

Roadside assistance

Provide 24/7 emergency assistance that includes towing, minor roadside repairs, tire change, gasoline delivery, locksmith, etc.

Motor Car Insurance Online FAQs

What is AXA’s Comprehensive Car Insurance Online?

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

Where can I purchase this product?

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.

What can be Insured under AXA’s Motor Car Insurance Online?

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).

What are the product features?

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.
Voluntary Third Party Liability - Bodily Injury
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
Cover intended to protect policyholder against damage to properties of 3rd party(ies). Options from Php500K to Php1 million
Acts of Nature (AON) Cover against flood, typhoon, hurricane, volcanic eruption, and earthquake. FMV +/- 10%
Roadside Assistance 24/7 Emergency Assistance Additional premium of Php300.00
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.

What are the benefits of getting a Roadside Assistance?

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.

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.

In the event of a claim, how do you determine the amount to be covered for Loss or Damage?

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.

What is the meaning of “deductible”?

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.

How do I file a claim?

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.

How do I request for a printed copy of my Insurance Cover?

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).

Got more questions about the AXA Motor Car Insurance Online?

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