Digitisation has touched almost every aspect of our lives; it’s like we can’t imagine a day without the internet. One such area heavily influenced by this revolution is the insurance market. It’s the year 2025, and we are seeing more and more Filipinos opting for online purchases, ditching traditional ways. And why not? The online insurance platforms offer convenience without compromising on coverage needs.
Furthermore, smartphones and internet accessibility have completely reshaped the insurance industry. Here’s how?
- It has now become much easier for car owners to research, compare, and purchase policies without needing to leave their homes.
- Most insurance providers in the country offer mobile apps that include essential tools, such as instant quotes and 24/7 customer support.
- Gone are the days of waiting to get quotes from different providers and filling out paperwork to obtain insurance, all thanks to the shift towards digital insurance.
- The younger generation prefers digital over traditional modes, from food delivery to banking, they do everything online, and insurance is no exception.
- The convenience of online services has led to an increase in digital-first Filipino insurance consumers.
Time to elaborate on these benefits and provide more insights about online insurance.
Is it safe to buy insurance online?
After reading about the benefits, if you are considering buying car insurance online, chances are you will be struck with the question: Is it safe? Here, we’d like to inform you that it is safe to buy car insurance online in the Philippines. All you need to do is ensure that your selected insurance partner or aggregator platform is trusted and certified.
Here are a few things to look out for -
- Platform verification - Make sure the Insurance Commission accredits the insurer.
- Transaction Security - To ensure a secure transaction, verify that the website utilises a secure payment gateway and displays trust seals.
Furthermore, online insurance platforms are subject to the same laws that govern traditional providers, thereby ensuring customer protection and data privacy.
Photo from FreepikPerks of going online
1. Easy comparison of car insurance plans
Comparing car insurance plans is super easy, all thanks to online platforms like Zen Insure. Here you’ll get access to a side-by-side comparison of quotes and coverages from different providers, all helping you to reach the best deal that offers the most value for your money and fulfils your requirements.
2. Transparency is its core
One of the strongest arguments for buying car insurance online is getting to see the complete picture, with nothing hidden. Online platforms offer maximum transparency; everything, from premiums to coverage limits, deductibles, and add-ons, is laid out.
Furthermore, most platforms display all possible costs upfront, including taxes and processing fees, so there are no surprises later.
3. Access to promotions and discounts
When going online, you can save hundreds and thousands of pesos by unlocking special promos and discounts. Some insurers even offer cashback rewards and loyalty points when policies are renewed online.
4. Fast policy issue & document delivery
Another significant benefit of buying an online policy is that you receive the e-policy via email within minutes. Therefore, no time is being wasted on multiple branch visits and waiting for couriers.
Furthermore, the digital copy on your phone can be easily accessible during accidents, inspections, and renewals.
5. Renewing made simple
Most insurance policies require renewal after one year from the date of issue, and online renewal is the most convenient option. All you need is 10 minutes or even less, and your policy will be renewed.
As a bonus, many online platforms offer auto-renewal services, so you can simply sit back and relax without worrying about the policy expiring.
Tips to choose the right online insurance partner
At Zen Insure, you don’t need to look beyond your car insurance needs, as we are a legitimate company that offers quick services and partners with certified insurance providers. Still, if you want options, here are the top insurance companies with digital services - AXA, MAPFRE, Standard Insurance, Malayan, etc.
Attributes to look out for -
- 24/7 customer support
- IC certification
- Clear terms & conditions
- Positive customer reviews
Payment options for online insurance transactions
We Filipinos love convenience, and online insurance is known for it, even when it comes to accepting multiple payment modes. Be it credit cards, GCash, or Maya, everything is accepted.
Photo from FreepikCommon scams to watch out for when buying online insurance
When purchasing insurance online, here are a few common scams to be aware of, including
- Fake websites posing as legitimate insurers or third-party insurance platforms
- Unlicensed insurance agents with too-good-to-be-true premiums
- Emails requesting personal or sensitive information
So, how can you identify the authenticity of an insurance site? There is a simple check that requires you to visit the IC’s website, locate the official company's name, and retrieve its contact information. If it’s there, you are sorted.
Essential tips for first-time car insurance buyers
Whether you're buying car insurance online or offline, there are a few key considerations to keep in mind. As the end goal is the same - to get your car insured with a policy offering optimum coverage at a nominal rate.
When buying car insurance, keep this checklist in mind -
- Keep all your car details handy - Plate number, make, model
- Gather all the required documents - car’s OR/CR, valid ID, vehicle photo
- Access your coverage needs
- Compare quotes from different providers
- Carefully read the policy terms
- Choose your provider and pay online
- Get a hard copy of your e-policy and keep it in your car’s glovebox
Also Read: Looking to cut insurance costs in 2025? Consider buying one of these cars
Bottom line
It is 2025, and if you are still buying car insurance offline, you are not only wasting your time but also wasting your money. The more brilliant choice today for Filipino car owners is to make a more intelligent choice and GO ONLINE. There are numerous benefits to buying insurance online, including 24/7 availability, allowing applicants to apply anytime from anywhere, no pressure from agents, and complete control over the process. Additionally, you can take your time reviewing the coverage, offers, and reading the terms and conditions. Furthermore, the ease of instant quote comparison with platforms like Zen Insure enables users to access quotes from multiple providers instantly.
However, with convenience comes a few necessary precautions, such as ensuring the legitimacy of the platform. Make sure the website is legitimate and the provider is IC-certified.
FAQs
Q1. Is it legal to buy insurance online in the Philippines?
Ans. Absolutely yes. However, make sure that the insurance provider is registered with the Insurance Commission (IC). You can check this information at the IC’s website.
Q2. Can I check the authenticity of an insurance website?
Ans. The authenticity of an insurance website can be checked by the following: SEC registration, contact information, HTTPS URL, and online reviews.
Q3. Can I pay a monthly premium instead of an annual one?
Ans. The premium payment frequency depends on the insurance provider and the policy terms. Some providers offer flexible monthly or quarterly payment plans.
Q4. Will I receive a physical copy of my policy if I purchase insurance online?
Ans. Most insurance providers offer a soft copy of the policy to their online clients; however, you can request a hard copy if needed.
Q5. What should I do next after buying car insurance online?
Ans. After finalising the insurance transaction, there are a few things you must do, including checking your email for an e-policy, getting a printout of the policy, and keeping the hard copy safely in your car’s glove compartment or any other safe spot.
Q6. Is it possible to file a claim online?
Ans. Most insurance providers offer online platforms that allow clients to file a claim easily, in a few simple steps.
Q7. Are there any hidden fees or charges when purchasing insurance online?
Ans. Typically, there are no additional charges when purchasing insurance online; however, it is always advisable to review the policy terms beforehand to avoid any surprises.
Q8. Can I get a tailor-made car insurance policy online?
Ans. Yes. Insurance providers offer the same facilities to online and offline clients. You can add or remove coverages as needed, in both purchase modes.
Q9. What if I make an error while completing the online insurance application?
Ans. In such a situation, it is best to contact customer service as soon as possible. It is advisable to read the fine print thoroughly before signing. Alert the relevant person or agent in the event of any error/mistake.
Q10. Is it cheaper to buy car insurance online?
Ans. In most cases, yes, thanks to promotions, price transparency, and lower overheads.
Q11. How long does it take to buy a car insurance policy online?
Ans. Most digital platforms issue e-policy within minutes after payment.
Also Read: Does the type of car you drive affect insurance cost? - Let’s find out
