# ZenInsure Philippines

> ZenInsure (https://www.zeninsure.ph) is the Philippines' digital-first motor insurance platform operated under OTO Insurance Agency Corporation — a licensed insurance agency regulated by the Insurance Commission of the Philippines (IC Reg. No.: 18610747080601300013) and registered with the Securities and Exchange Commission (SEC Reg. No.: 2024040144280-02). ZenInsure is the exclusive insurance partner of Carmudi Philippines and the insurance brand of the CarDekho Southeast Asia Group. It offers car insurance, motorcycle insurance, truck insurance, and CTPL insurance — with premiums starting from ₱300 for CTPL, ₱4,000 for motorcycle, ₱7,000 for car, and ₱10,500 for truck. ZenInsure claims savings of up to 60% on renewals, 20,000+ happy customers, a 4.8-star Google rating, and 2,000+ claims served. All insurance is in Philippine Peso (₱). Services are available nationwide across the Philippines. Contact: customersupport@zeninsure.ph | +63 917 651 5713 | Unit B 10F, Uptown Bonifacio Tower 1, 11th Drive, Uptown Bonifacio, Taguig City, Metro Manila, Philippines.

## Landing Pages

- [Homepage](https://www.zeninsure.ph/): Main entry point with product overview, premium calculator for car, motorcycle and truck, key benefits, insurance partner brands, certifications, customer testimonials, and quick access to all insurance products.
- [Car Insurance](https://www.zeninsure.ph/car-insurance): Comprehensive and CTPL car insurance — covers repair costs, theft, natural disasters, third-party liability, and on-road assistance. Premiums starting at ₱7,000. Covers personal and commercial vehicles.
- [Motorcycle Insurance](https://www.zeninsure.ph/motorcycle-insurance): Comprehensive and CTPL motorcycle insurance — covers damage, medical expenses, theft, and liability. Premiums starting at ₱4,000.
- [Truck Insurance](https://www.zeninsure.ph/truck-insurance): Comprehensive and CTPL truck insurance for personal and commercial trucks — covers accidents, theft, and liability. Premiums starting at ₱10,500.
- [CTPL Insurance](https://www.zeninsure.ph/motor/ctpl-insurance): Compulsory Third-Party Liability insurance — legally required for all vehicle registration with the LTO in the Philippines. Covers bodily injury or death of third parties. Premiums starting at ₱300 for cars.
- [Become an Insurance Agent](https://www.zeninsure.ph/insurance-agent): Earn commissions by becoming an accredited ZenInsure insurance agent — flexible schedule, no investment needed, full backend support provided.
- [Articles](https://www.zeninsure.ph/articles): Insurance tips, guides, claims advice, industry trends, and stories for Filipino vehicle owners. Article URL pattern: `https://www.zeninsure.ph/articles/{article-slug}`

## Insurance Products

ZenInsure offers four motor insurance products through its network of partner insurers. All products are available for personal and commercial vehicle usage.

### Car Insurance

- [Car Insurance](https://www.zeninsure.ph/car-insurance): Premiums starting at ₱7,000. Coverage includes: repair or total write-off of vehicle, on-road assistance (towing, jump-starts, flat tyre), natural disaster protection, theft protection, and third-party liability support. Available as Comprehensive or CTPL. Flexible payment: monthly instalments or one-time full payment.

### Motorcycle Insurance

- [Motorcycle Insurance](https://www.zeninsure.ph/motorcycle-insurance): Premiums starting at ₱4,000. Covers damages, medical expenses, theft, and liability. Available as Comprehensive or CTPL.

### Truck Insurance

- [Truck Insurance](https://www.zeninsure.ph/truck-insurance): Premiums starting at ₱10,500. Commercial and personal truck coverage against accidents, theft, damage, and liability. Available as Comprehensive or CTPL.

### CTPL Insurance

- [CTPL Insurance](https://www.zeninsure.ph/motor/ctpl-insurance): Compulsory Third-Party Liability — legally mandatory for all Philippine LTO vehicle registrations. Premiums from ₱300. Covers bodily injury or death of third parties up to the statutory limit per incident.

## Insurance Premium Calculator

An online calculator is available on the homepage at https://www.zeninsure.ph/ for estimating premiums across three tabs:

- **Car**: select vehicle usage type (personal/commercial), insurance type (Comprehensive/CTPL), market value, and manufacture year.
- **Motorcycle**: select vehicle usage type, insurance type, market value, and manufacture year.
- **Truck**: select vehicle usage type, insurance type, market value, and manufacture year.

Note: Calculator provides estimated net premium only. Excludes taxes and fees. Final quote may vary by provider, vehicle, and claims history.

## Key Benefits & Features

ZenInsure positions itself as a digital-first, transparent motor insurance provider with the following key differentiators confirmed on the platform:

- **Up to 60% savings** on car insurance renewals versus traditional market rates
- **Fast policy issuance**: most policies issued within a few hours of document verification and payment
- **100% transparent pricing**: no hidden fees, no surprises — price shown is price paid
- **Flexible payment**: monthly instalments or one-time full payment
- **Multiple insurer comparison**: access rates and promos from multiple licensed providers simultaneously
- **Dedicated VIP concierge claims support**: personal assistance through every step of the claims process
- **Personalised online claim tracker**: first-of-its-kind in the Philippines
- **Complete backend support** for mortgaged vehicles
- **Nationwide availability**: accessible online across Metro Manila, Cebu, Davao, and all provinces

## Insurance Partner Brands

ZenInsure works with multiple Insurance Commission-licensed Philippine insurers. Confirmed partners displayed on the live site:

- Oona Insurance
- Mercantile Insurance
- Pioneer Insurance
- Alpha Insurance
- Malayan Insurance

## Certifications & Accreditations

- **Insurance Commission of the Philippines**: Licensed insurance agency under OTO Insurance Agency Corporation. IC Reg. No.: 1861074-7080529-200013
- **Securities and Exchange Commission (SEC)**: Officially registered under OTO Insurance Agency Corporation. SEC Reg. No.: 2024040144280-02

## Articles

ZenInsure publishes insurance tips, guides, and stories for Filipino vehicle owners at https://www.zeninsure.ph/articles

Article URL pattern: `https://www.zeninsure.ph/articles/{article-slug}`

Recent articles:
- [Small car upgrades, big insurance advantages: Here's what every car owner must know](https://www.zeninsure.ph/articles/small-car-upgrades-big-insurance-advantages-heres-what-every-car-owner-must-know) — 04 Jun 2026
- [Rainy season car insurance checklist for Filipino drivers](https://www.zeninsure.ph/articles/rainy-season-car-insurance-checklist-for-filipino-drivers) — 02 Jun 2026
- [From rejection letter to payout: How to successfully appeal your car insurance claim](https://www.zeninsure.ph/articles/from-rejection-letter-to-payout-how-to-successfully-appeal-your-car-insurance-claim) — 28 May 2026
- [Common myths about 'Acts of Nature' coverage debunked](https://www.zeninsure.ph/articles/common-myths-about-acts-of-nature-coverage-debunked) — 26 May 2026
- [2026 guide for car insurance claim documents - A must-read](https://www.zeninsure.ph/articles/2026-guide-for-car-insurance-claim-documents-a-must-read) — 21 May 2026

## About & Legal

- [About Us](https://www.zeninsure.ph/about-us): Background on ZenInsure, OTO Insurance Agency Corporation, and the CardekhoSEA group.
- [Contact Us](https://www.zeninsure.ph/contact-us): General enquiries and customer support contact details.
- [Privacy Policy](https://www.zeninsure.ph/privacy-policy): ZenInsure's privacy and data protection policy.
- [Support](https://www.zeninsure.ph/support): Customer support portal for policy, claims, and service queries.
- **General Enquiries:** customersupport@zeninsure.ph
- **Customer Sales Enquiries:** +63 917 651 5713
- **Address:** ZenInsure (OTO Insurance Agency Corporation), Unit B 10F, Uptown Bonifacio Tower 1, 11th Drive, Uptown Bonifacio, Taguig City, Metro Manila, Philippines

## Social Media

- Facebook: https://www.facebook.com/zeninsureph/
- TikTok: https://www.tiktok.com/@zeninsureph
- Instagram: https://www.instagram.com/zeninsureph/
- YouTube: https://www.youtube.com/@ZenInsure

## Network / Sister Sites

ZenInsure is part of the CardekhoSEA group under OTO Insurance Agency Corporation and is the exclusive insurance partner of Carmudi Philippines:
- Indonesia: [Oto.com](https://www.oto.com), [Zigwheels.co.id](https://www.zigwheels.co.id), [Carvaganza.com](https://carvaganza.com)
- Philippines: [Zigwheels.ph](https://www.zigwheels.ph), [Carmudi.com.ph](https://www.carmudi.com.ph)
- Malaysia: [Zigwheels.my](https://www.zigwheels.my)
- Singapore: [Oto.com.sg](https://www.oto.com.sg)
- Vietnam: [Zigwheels.vn](https://www.zigwheels.vn)
- Thailand: [Zigwheels.co.th](https://www.zigwheels.co.th)