As 2026 begins, it is the perfect time to reset your goals, including your car insurance. If your policy is due for renewal soon, or you have a new car to insure, ensure it fits your needs. Don’t opt for automatic renewal or choose the first provider that comes your way. Instead, rethink your car insurance this year with the help of ZenInsure.
With rising repair costs, unpredictable weather, and changing driving habits, it is essential to carefully consider insurance coverage. Don’t worry, we are here to help you at every step - from reviewing, comparing, and adjusting the policy to your current lifestyle.
So, let’s start your insurance journey in 2026 on a fresh note - with smarter and improved protection.
Car insurance basics for Filipino drivers
Before buying a new policy or modifying an existing one, it is essential to understand what you are paying for.
Compulsory third-party liability vs. Comprehensive car insurance
Car owners are legally required to have CTPL insurance, but it only covers third-party bodily injury or death. On the contrary, comprehensive insurance goes a step further and covers your vehicle against damage from accidents, collisions, theft, vandalism, and more.
Common car insurance terms
It is essential to have a clear understanding of insurance terms like premiums, participation fees, deductibles, and exclusions. It’ll help you understand what the policy actually covers before committing.
How can we help?
With ZenInsure by your side, you can easily compare CTPL and comprehensive options from trusted providers. Further, we’ll help simplify confusing insurance terms, making everything clear and straightforward.
Also Read: Need a notarised affidavit for your car insurance claim? Here’s the process
How to review your policy (before renewal or buying a new one)
Reviewing your policy should be part of your 2026 insurance resolution. Why? Because by doing so, you will save yourself from making costly mistakes.
Check the coverage limits & benefits: A car’s value and usage change over time; it's essential to assess whether the coverage is appropriate to ensure you don’t overpay or leave yourself underinsured.
Review exclusions and fine print: Some insurance policies exclude natural disasters or floods. It is essential to check these to avoid last-minute surprises.
Compare premiums and renew quotes: Rather than accepting the first offer, owners should compare quotes to ensure they get the best value.
How can we help?
ZenInsure will help you reassess if your coverage is appropriate, do side-by-side comparisons, and compare quotes digitally.
Photo from FreepikCommon renewal mistakes (and how we can help)
Many policyholders forget to update their personal details or rush into renewal at the last minute. With ZenInsure by your side, you will get digital reminders, and our streamlined process will help reduce common errors, making insurance management less stressful.
Add-ons to consider in 2026
Insurance add-ons are becoming more relevant and affordable with time. This new year, make sure your policy includes the following coverage (based on your requirements) -
Acts of Nature: The Philippines is among the world’s most disaster-prone countries, making coverage a must rather than an option. This coverage may include natural events such as floods, earthquakes, typhoons, fires, volcanic eruptions, and lightning. Also, if your car is financed through an auto loan, the lender usually requires Acts of Nature coverage as part of the policy.
Roadside assistance: This coverage is invaluable for situations when your car breaks down due to a mechanical or electrical issue, a road accident, or flooding. During an emergency, call the provider, explain the situation, and expect help to arrive soon. Usually, the following benefits are included under roadside assistance coverage -
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Vehicle assistance |
Towing, crane service, jumpstart battery, fuel delivery, tyre change, locksmith service, etc |
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Personal assistance |
Alternative vehicle assistance, overnight accommodation, hospital assistance, etc |
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Security assistance |
Coordination with the police & local authorities, and anti-carnapping service |
Other add-ons to consider -
- Loss of Use
- Riots, Strikes, and Civil Commotion insurance
- Lost wage recovery
- Pet injury coverage
- Legal assistance
How can we help?
With ZenInsure by your side, you’ll be able to identify which policies include AON coverage and dependable, nationwide roadside support. Our dedicated team will help you determine which add-ons are right for your vehicle and budget.
Also Read: Credit score and car insurance: What every driver should know
Analysing your car usage in 2026
Whether you are renewing your policy or purchasing a new one for your latest purchase, it is essential to analyse your vehicle usage to ensure you have appropriate coverage. Your risk profile depends on your work location (remote or traffic-heavy), ride-sharing, and the frequency of long drives.
We at ZenInsure encourage users to update their car usage to avoid claim issues later.
Digital tools that will make insurance easy in 2026
Photo from FreepikOne of the strongest themes of this year is convenience, and it applies to insurance as well. Here is how ZenInsure will make your insurance journey better & smoother -
Online policy comparison platforms: With us, you’ll be able to compare multiple providers in minutes - no pressure, no paperwork.
Mobile-friendly renewal & claim: Our digital-first approach helps users to initiate the renewal process, upload documents, and track progress online.
Cashless repairs & faster claim: We work with insurers that offer accredited repair shops and a smooth digital claim process.
Technology and car insurance in 2026
Platforms like ZenInsure are modernising car insurance - from paperless policies to faster approvals - technology is making insurance more transparent and customer-friendly for car owners.
Choosing the right provider with ZenInsure
We at ZenInsure don’t just focus on price; we also consider factors such as claim service, repair networks, and policy clarity. All of this matters when accidents occur.
Tips to lower car insurance premiums in 2026
Here are some practical ways to save money on insurance -
- Compare policies before renewal
- Choose add-ons wisely
- Maintain a clean driving record
- Adjust deductibles based on the budget
Remember, small decisions can lead to meaningful savings.
Bottom line
It is time to up your car insurance game in 2026. This will start with car owners reviewing their policies, exploring better options, and managing insurance digitally - all of which will make you confident and reduce stress. Remember, a solid policy with the right coverage means better protection, better value, and great peace of mind.
FAQ
Q1. Can ZenInsure help me compare multiple insurers?
Ans. Yes, ZenInsure allows car owners to compare policies side by side easily.
Q2. How much does CTPL insurance cost in the Philippines?
Ans. CTPL insurance for private cars usually starts at PHP 600. Note that the cost may vary depending on the provider and car model.
Q3. Do insurance providers in the country offer 24/7 customer support?
Ans. Support hours may be limited, or lines may remain open 24/7. If you are under time constraints, you can submit your inquiry, and the team will respond promptly during business hours.
Q4. Can I make monthly payments instead of a one-time full payment?
Ans. Yes, most providers offer flexible payment terms - policyholders can either pay monthly or at once, depending on their convenience.
Also Read: 2025 in Review: Top Insurance Trends, Tips, and Checklist in the Philippines
