Car Insurance starting from ₱7,000

Save up to 60% on your Car Insurance
  • Dedicated Claim Support
  • Flexible Payment Terms
  • Fast Policy Issuance
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Zen Insure Benefits

Our insurance goes beyond standard protection to give you complete peace of mind.

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Flexible Payment Options

Pay your way with easy monthly installments or one-time full payment — choose what suits your budget and convenience.

Best Deals in the Market

Get quick, summarized quotes with unbeatable rates and top-tier service from trusted providers - all in one place.

100% Transparent

No hidden fees. No surprises. You only pay what you see - simple, clear, and honest pricing.

More Insurers, More Options

Compare multiple insurers, rates, and promos instantly. More options mean better chances of finding the perfect car insurance for you.

Benefit of Comprehensive Car Insurance

Repair Cost Coverage

Covers the cost of repairing damages or the total loss (write-off) of your car due to accidents or collisions.

On-Road Assistance

Enjoy 24/7 roadside help including towing, jump-starts, flat tire service, and emergency support when you need it most.

Natural Disaster Protection

Stay protected against calamities like floods, typhoons, and earthquakes - including assistance with legal or third-party claims.

Theft Protection

Get financial compensation if your vehicle is stolen - so you’re not left without support in times of loss.

Calculate your Car Premium

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Estimated Insurance Premium ₱0 *This is an estimate only. Final quote may vary based on provider, vehicle details and loss history

How Zen Insure Car Insurance Works

Step 01
Fill in Your Vehicle Details

Select your car’s make, model, variant, and registration year for accurate pricing.

Step 02
Fill in Your Personal Details

Enter your contact information - no paperwork required.

Step 03
Our Agent Will Contact You

Get a call with the best plans and quotes tailored to your needs.

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Your perfect deal is just a click away
Happy

Customers

Their Stories. Your Assurance

  • Received my e-policy without any hassle. The process was quick, smooth, and efficient. I’m very satisfied with the overall experience. Definitely a 5-star service I’d recommend to anyone looking for reliable and easy insurance handling.

  • I want to commend Ms. Charlotte Fiegalan for her excellent service. She was warm, responsive, and very helpful throughout my car insurance application. Thank you for making the process smooth and pleasant. Great job!

  • Policy received promptly! Ena provided fast and accurate support, making the process effortless. I truly appreciated the professionalism and responsiveness shown. Excellent service from start to finish, definitely a 5-star experience I’d happily repeat!

  • Ms. Charlotte Fiegalan was very professional and helpful during our insurance claim. Her accurate updates and quick responses made a difficult process manageable. I’m very thankful for her support and would highly recommend her.

  • Ms. Charlotte has delivered consistent, outstanding support since 2017. She’s accommodating, professional, and dedicated before and after every transaction. Her service continues to exceed expectations. Highly recommended!

  • Grateful for Ms. Thelma Doria Palisoc’s help, her consistent follow-ups and care made renewing my policy easy. She remains one big reason I stay with ONA. Excellent service every time!

Insurance Partner Brands

We are Certified and Accredited

insurance broker

Zen Insure (operated under OTO Insurance Agency Corporation) is a licensed insurance broker regulated by the Insurance Commission of the Philippines.

IC Reg. No.: 1861074-7080529-200013
securities commission

Zen Insure is also officially registered with the Securities and Exchange Commission (SEC) in the Philippines under OTO Insurance Agency Corporation.

SEC Reg. No.: 2024040144280-02
  • Protect Your Car with the Right Coverage

    Drive worry-free with Zen Insure’s comprehensive car insurance — affordable, fast, and fully digital.

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    Get motorcycle insurance tailored for Filipino riders — easy, reliable, and 100% online.

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  • Secure Your Truck, Secure Your Business

    From light trucks to heavy-duty haulers — protect your assets with Zen Insure’s truck insurance plans.

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  • Get Your CTPL Insurance Online — Fast, Easy, and Secure!

    Meet LTO requirements and get covered instantly with Zen Insure’s CTPL — hassle-free and verified.

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Car Insurance - Frequently Asked Questions

What is Comprehensive Car Insurance?

Comprehensive insurance protects your vehicle against a wide range of risks including accidents, theft, natural disasters (like floods or typhoons), fire, and third-party liabilities.

What’s the difference between CTPL and Comprehensive Insurance?

CTPL (Compulsory Third Party Liability) is a legal requirement and only covers injuries or death of third parties involved in an accident.
Comprehensive Insurance, on the other hand, includes CTPL coverage and adds protection for your own vehicle against damage, theft, and calamities.

Is CTPL insurance required in the Philippines?

Yes. CTPL is mandatory for vehicle registration or renewal with the LTO (Land Transportation Office).

How is Zen Insure different from other insurance providers?

Zen Insure is the exclusive insurance partner of Carmudi Philippines and is backed by the CarDekho Southeast Asia Group. We focus on digital convenience, fast issuance, flexible payments, and dedicated claims support, all in one seamless experience.

How can I renew my comprehensive insurance with Zen Insure?

Click the “View Insurance Quotes” button on our website, fill in a few details, and our team will guide you through a simple renewal process. No long forms or waiting in line.

Can I choose monthly payments instead of paying in full?

Yes! Zen Insure offers flexible payment terms - you can either pay monthly or in one convenient full payment.

How fast can I get my insurance policy?

With Zen Insure, your policy can be issued within 30 - 60 Minutes* once all documents are verified and payment is confirmed.

What documents do I need to purchase car insurance?

Generally, you’ll need:

  • A copy of your OR/CR (Official Receipt/Certificate of Registration)
  • A valid government-issued ID
  • Current insurance policy (for renewals)

How do I file a claim with Zen Insure?

Our dedicated claims team is here to help. Simply contact us via our hotline or email, and we’ll walk you through the entire claims process - from documentation to resolution.

Does Zen Insure offer 24/7 customer support?

While our support hours are limited, you can submit your inquiry anytime via our website, and our team will respond promptly during business hours.

Can I transfer my existing car insurance to Zen Insure?

Yes, we can assist you in switching from your current insurer to Zen Insure without any hassle.

How much does CTPL Insurance cost at Zen Insure?

Our CTPL Insurance for personal usage cars starts from ₱600, with options to add more coverage depending on your needs.

Why do Filipinos trust Zen Insure?

Zen Insure is trusted for its transparent pricing, quick service, flexible plans, and seamless digital experience - making car insurance simple, fast, and affordable.

Car Insurance Tips, Trends & Stories

Why Choose Zen Insure for Your Car Insurance?

At Zen Insure, we go beyond just policies - we offer peace of mind. Whether you’re renewing your CTPL, upgrading to comprehensive coverage, or simply exploring your options, our goal is to make car insurance simple, transparent, and stress-free.

  • Fast & Hassle-Free Policy Issuance
  • Flexible Payment Options - Pay Monthly or Full
  • Dedicated Claims Support Team
  • Trusted by Thousands of Filipino Drivers
  • Backed by Carmudi Philippines & CarDekho SEA Group

Join the growing number of Filipinos who trust Zen Insure to protect what matters most - their vehicle and their peace of mind.

A Guide to Car Insurance in the Philippines

Car insurance is an essential safeguard for your vehicle, ensuring financial protection in case of accidents, theft, or natural disasters. In the Philippines, understanding car insurance options can be confusing - so we’ve created this comprehensive guide to help you make smart, informed decisions.

What is Car Insurance & How Does It Work in the Philippines?

Car insurance protects you from financial loss due to vehicle-related incidents.
In the Philippines:

  • CTPL (Compulsory Third Party Liability) is legally required and covers injuries or fatalities of third parties.
  • Comprehensive Insurance offers wider coverage, including theft, own damage, and acts of nature.

Why Do You Need Car Insurance?

  • Legal Requirement – CTPL is mandatory for LTO registration
  • Financial Protection – Helps with accident-related costs, legal fees, and repairs
  • Peace of Mind – Protection against theft, calamities, and collisions

Types of Car Insurance in the Philippines

  • CTPL Insurance – Mandatory coverage for third-party injuries/death
  • Comprehensive Insurance – Full coverage including your own vehicle
  • Collision Coverage – Covers damages from collisions
  • Theft Coverage – Protection against car theft or break-ins

Key Features of a Car Insurance Policy

  • Third-Party Liability Coverage
  • Own-Damage Coverage
  • Acts of Nature Protection
  • Personal Accident Cover
  • Optional Add-ons (e.g., Roadside Assistance, Car Accessories Cover)

Helpful Add-Ons to Consider

  • Acts of Nature - Critical during typhoon season
  • Roadside Assistance - For breakdowns, jumpstarts, towing
  • Personal Accident Cover - Protects you and your passengers
  • Car Accessories Cover —Coverage for premium installations (GPS, speakers, etc.)

Can You Insure Used Cars?

Yes! Zen Insure offers plans for second-hand or older vehicles. Premiums may vary based on condition, age, and usage.

How to File and Track a Claim with Zen Insure

  • Reach out to Zen Insure immediately
    Contact our claim support team as soon as the incident occurs. We’ll guide you on the next steps.
  • Prepare and submit the required documents
    We’ll ask for basic documents like your OR/CR, police report (if applicable), and photos of the damage.
  • Complete the claim form
    Fill out a simple claim form - we’ll provide it and assist you if needed.
  • Track your claim with our help
    Our claims support team will keep you updated on the status and ensure a smooth and timely resolution.

Avoid These Common Insurance Mistakes

  • Not reading policy exclusions
  • Skipping essential add-ons
  • Not knowing the claim process
  • Missing policy renewal deadlines

Common Car Insurance Terms Explained

  • Premium – What you pay for insurance
  • Deductible – What you pay before insurance kicks in
  • Claim – Request to cover a loss
  • Endorsement – Add-on/modification to your policy

Drive Smart. Stay Protected. Choose Zen Insure.

Whether you’re getting insurance for the first time or renewing an existing policy, Zen Insure makes it simple, fast, and worry-free.

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