Why every truck business needs Comprehensive Truck Insurance in the Philippines

S Sippi Vig 23 May 2025 9 min read
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As a business owner in the world of logistics and transport, you understand better than anyone that a truck is not just an operational asset; rather, it is your business partner on the road. Trucks haul the load, deal with traffic, face rough weather, and keep your business running. And as they are always on the move, every journey comes with potential risks such as accidents, storms, road damage, and theft, which can bring your business to a standstill.  This is where Comprehensive Truck Insurance steps in — protecting your truck, your business, and giving you peace of mind. With Zen Insure, you get more than just a policy. You get protection that understands your needs:
  • Repair cost coverage: It ensures that your truck is road-ready again after accidents or mishaps.
  • Acts of Nature protection: It protects you from financial losses due to acts of nature such as floods, earthquakes, or typhoons.
  • Theft protection: It minimizes downtime and disruption in case of vehicle theft.
Starting at just PHP 10,500, Zen Insure offers coverage that’s affordable, flexible, and designed to keep your business moving.
  • Fast policy issuance (often under 60 minutes)
  • Flexible payment terms – pay monthly or one-time
  • Dedicated claims support for quick resolutions
Get your personalized quote now and experience the peace of mind that thousands of truck owners already enjoy.

How Zen Insure simplifies truck insurance for fleet owners

If you are a fleet operator and often face issues like complex logistics, tight schedules, and the constant risk of vehicle damage or downtime, the Zen Insure Fleet Truck Insurance is for you. It is a smarter and an efficient way to cover all your vehicles under one comprehensive plan. Zen Insure Fleet Truck Insurance is helpful for logistics firms, construction companies, and delivery networks as it offers the following benefits -  
  • Consolidated policy management with fewer renewals and paperwork
  • Custom pricing for volume policies
  • Flexible add-ons such as passenger cover and cargo protection
Zen Insure has a quick and stress-free onboarding process, enabling fleet operators to save time, minimise downtime, and scale their operations. Here’s how it works: Step I Share your fleet & business details: Share the basic information about your business and the vehicles you want to insure.  Step II Get a bulk quote tailored to your needs: Based on the details provided, Zen Insure will provide a personalized quote that fits your fleet and your requirements. Step III Enjoy hassle-free support and same-day issuance: Once you approve the quote, Zen Insure will issue your policy on the same day. With the dedicated account managers, Zen Insure ensures personalized attention and quick support to fleet operators whenever required.

What’s included in Zen Insure’s Comprehensive Truck Insurance

When you choose Zen Insure’s Comprehensive Truck Insurance, you get a lot more than the usual CTPL. The plans are designed with real-world needs in mind and offer the following types of coverage -
  • Own Damage & Collision
  • Theft Protection
  • Acts of Nature
  • Third-Party Liability
  • Roadside Assistance
  • Driver & Passenger Personal Accident Cover
If you have any special requirements? Think of choosing the following add-on options -
  • Goods-in-Transit Protection
  • Fleet Policies
  • Special coverage for construction or refrigerated trucks
  • Legal Assistance 
Zen Insure’s Comprehensive Truck Insurance is backed by IC-licensed insurance partners with transparent pricing and zero hidden fees. 

Benefits of getting your truck insured with Zen Insure

Here are the top 5 benefits of getting your truck/fleet insured with Zen Insure -  Huge savings: Zen Insure offers you aggregated quotes from multiple leading insurers, all in one place. It enables you to compare prices side-by-side and choose the plan that fits your budget and thus helping you save up to 60% on your truck insurance. Lightning-fast policy issuance: In the fast-paced logistics and transport world, time is money. With Zen Insure, you can get your truck insured in less than 60 minutes, even on weekends. Flexible payment terms: As different businesses have different cash flow cycles, Zen Insure gives you the freedom to pay the way that suits you best. You can either pay one one-time upfront payment or opt for easy monthly installments. Dedicated claims support: Zen Insure’s dedicated claims support team is there to help in unforeseen circumstances. It helps you in every step of filling and getting a claim, from submitting documents to tracking status and ensuring a quick payout. All-in-one dashboard: Zen Insure’s all-in-one digital dashboard allows you to compare quotes from different insurance providers, choose the right policy, access documents, request support, and track claims, all from the convenience of your mobile device.

Frequently Asked Questions about Truck Insurance in the Philippines

Is truck insurance mandatory in the Philippines? Yes. Compulsory Third Party Liability (CTPL) insurance is required for all registered trucks in the Philippines. Notably, CTPL only covers third-party injuries and does not cover damage to your own vehicle. How much does comprehensive truck insurance cost? Comprehensive truck insurance typically costs 2–3% of the truck’s market value annually. However, with the help of Zen Insure, you can save up to 60%. Can I get the truck insurance policy the same day I apply? Yes! Zen Insure can issue a truck insurance policy within 30–60 minutes. Does truck insurance cover delivery cargo? Standard truck insurance does not cover cargo; however, you can add Zen Insure’s Goods-in-Transit Insurance as an optional add-on. Does Zen Insure offer insurance for older trucks or second-hand vehicles? Yes, Zen Insure offers coverage for a wide range of models, including new and old with subject to inspection and insurer criteria. Have more questions? Talk to our licensed experts or start a quote instantly.
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