These Insurance Companies Offer Acts of God / Acts of Nature Coverage

These Insurance Companies Offer Acts of God / Acts of Nature Coverage

Filipinos are no strangers to natural calamities. In the Philippines, if it’s not an earthquake or volcanic eruption, it’s a typhoon or a flash flood.

This is why vehicle owners are advised to be prepared whenever they travel on the road. Even if it’s not typhoon season, a short heavy downpour can quickly flood roads, leaving you stranded and your vehicle submerged in water.

The Philippines also belongs in the Pacific Ring of Fire. Currently, there are 24 active volcanoes all over the country. Which means earthquakes and volcanic eruptions are more likely to happen anytime.

But thankfully, most car insurance companies in the Philippines extend a policy’s comprehensive coverage for Acts of God/Acts of Nature.

If you have an existing policy, check whether you have Acts of God/Acts of Nature coverage and find out which natural disasters are included.

If you’re shopping for car insurance, make sure to include this coverage to fully prepare you on the road and make your travels worry-free. Here are some car insurance companies that offer this type of coverage:

MAPFRE Auto Comprehensive PLUS

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It provides complete insurance coverage with all the important basic features, including protection against accidental loss and damage to your vehicle.

MAPFRE Auto Comprehensive Plus also includes Acts of Nature (AON)/Acts of God coverage that will protect your vehicle from floods, typhoons, earthquakes, and other natural disasters.

Other key benefits you can enjoy:

Auto Rapido – fast and convenient claims service

Road Assist

Security glass etching (to prevent car theft)

Legal Assistance

How to avail:

You can request for a quote or call their Client Service Hotline at (02) 8876-4400. You can also send an email to [email protected] for more information.

AXA Auto Security 

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With AXA Auto Security, you have the option to get Acts of God/Acts of Nature coverage apart from the Compulsory Third Party Liability (CTPL) coverage.

With this optional coverage, you can enjoy protection from typhoons and hurricanes, floods, earthquakes, and volcanic eruptions.

How to avail:

You can request for a quote or send an email to [email protected] for more details.

Malayan Automaster

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This is an extensive car insurance policy that safeguards your vehicle against accidents, damage, theft, and natural calamities.

Malayan Automaster covers Acts of God/ Acts of Nature and secures your vehicle against the forces of nature, including typhoons, hurricanes, floods, earthquakes, volcanic eruptions, and other convulsions of nature.

How to avail:

Request for a quote to see how much your insurance premiums will be.

FPG Comprehensive Motor Insurance

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FPG’s comprehensive motor insurance provides full protection against total or partial damage caused by impact collision, sliding, or overturning, as well as fire and theft.

Acts of Nature/Acts of God is also included, with a limit of liability of up to the insured vehicle’s fair market value (FMV).

How to avail:

Fill up the online form here to request for a quote.

PUIC Motor Insurance

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Pacific Union’s motor insurance protects you from own damage, theft, excess bodily injury, third party property damage, and personal accidents. It also covers Acts of Nature/Acts of God and natural perils such as typhoons, floods, landslides, and earthquakes.

How to avail:

Fill out the online form with your motor and customer details and submit for a quotation.

PNB Auto Protector Plan

PNB’s motor car policy covers you against vehicle damage and theft. It provides coverage against liability for bodily injury, as well as property damage to or death of third parties.

Aside from compulsory third party liability, you can choose which coverage you want to go in your Auto Protector Plan, including Acts of Nature/Acts of God.

How to avail:

Send an email to [email protected] or follow them on their social media (Facebook, Twitter, Instagram) @pnbgen for updates.

Pioneer Comprehensive Motor Insurance

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With your CPTL coverage, you can also get extensions like Acts of Nature/ Acts of God coverage. It will cover repair or replacement of your vehicle if ever it gets damaged or lost in a flood, typhoon, earthquake, volcanic eruption, and other natural disasters.

How to avail:

You can request for an insurance proposal here.

Final Thoughts

When it comes to car insurance coverage, it’s better to be safe than sorry. Even if you live in a relatively peaceful and safe place, there’s no telling when a freak event of nature will happen.

Don’t skimp on getting the best and full protection. Not only can it prevent financial losses, it can save your life and the lives of your loved ones, too.


Do you have Acts of God coverage for your car? Why or why not? Let us know your thoughts in the comments section!