You might think you know everything about your comprehensive car insurance policy, but there are several surprising facts that even experienced car owners often overlook. Understanding these details can save you money and headaches when you need to file a claim.
1. "Comprehensive" Doesn't Mean Everything is Covered
Despite its name, comprehensive insurance doesn't automatically cover every possible scenario. The term "comprehensive" refers to coverage beyond collision damage — it protects against theft, fire, natural disasters, and third-party liability.
What's typically NOT covered:
- Wear and tear or mechanical breakdown
- Damage from driving under the influence
- Using your car for commercial purposes (unless specified)
- Driving without a valid license
- Acts of Nature coverage (requires separate rider)
💡 Pro Tip: Always read your policy's exclusions section carefully. What's NOT covered is just as important as what IS covered.
2. Your Premium Can Increase Even Without Claims
Many car owners are surprised when their renewal premium goes up despite having a clean claims record. Several factors can cause premium increases:
- Vehicle depreciation adjustments: As your car ages, the insured value changes
- Industry-wide claims trends: If your car model has high theft or accident rates
- Regulatory changes: New insurance regulations or taxes
- Location changes: Moving to a higher-risk area
- Age and driving history updates: Changes in your risk profile
3. Flood Damage Requires a Specific Rider
This is one of the most common misconceptions in the Philippines. Standard comprehensive insurance does NOT automatically cover flood damage. You need to add an "Acts of Nature" or "Natural Calamity" rider to your policy.
Given the Philippines' typhoon season and flooding risks, this rider is highly recommended. It typically adds 10-15% to your premium but can save you from total loss during the rainy season.
⚠️ Important: If your car gets flooded and you DON'T have the Acts of Nature rider, your claim will be denied. Don't learn this the hard way!
4. Starting Your Engine After Flood Can Void Your Coverage
Even if you have flood coverage, attempting to start your flooded vehicle can void your claim. Water entering the engine through the air intake can cause catastrophic damage known as "hydro-lock."
What to do if your car gets flooded:
- DO NOT attempt to start the engine
- Take photos and videos for documentation
- Call your insurance company immediately
- File a police report or get a barangay certification
- Wait for the insurance adjuster's assessment
- Have the car towed to an accredited repair shop
5. You Can Negotiate Your Deductible
Most people don't realize that the deductible (the amount you pay out-of-pocket before insurance kicks in) is often negotiable. A higher deductible means lower premiums, while a lower deductible means higher premiums.
Deductible strategy:
- High deductible (₱20,000-₱50,000): Good for experienced drivers with emergency savings
- Low deductible (₱5,000-₱10,000): Better for new drivers or those who prefer lower out-of-pocket costs
- Zero deductible: Available but significantly increases premiums
🚗 OneNetworx Advantage
At OneNetworx, we help you understand all these nuances and customize your policy to fit your actual needs and budget. We compare options from multiple top insurance providers so you get the best coverage at the best price.
Get Your Free QuoteThe Bottom Line
Comprehensive car insurance is more complex than most people realize. Understanding these lesser-known facts helps you make informed decisions, avoid claim denials, and get the most value from your policy. Always read the fine print, ask questions, and work with a licensed agent who can explain your options clearly.