Frequently Asked Questions




Insurance Coverage Questions

Car insurance is designed to protect car owners from financial hardship that can result from the potentially expensive costs often associated with vehicular accidents. Without car insurance, the financial risk will rest on you, the car owner, in the event of an accident. Car insurance can mitigate some if not all of that risk.

Drivers are required to purchase compulsory third party liability or CTPL, which pays for property damage and injuries caused to others in an accident. If you want to cover your own vehicle damage, you need a comprehensive car insurance policy.

A Land Transportation Office mandated CTPL policy protects against financial loss because of motor vehicle related physical injuries or property damage of others caused by accidents arising out of ownership, maintenance or use of a motor vehicle. Please note that the CTPL does not include coverage for you, your passengers or your vehicle. The CTPL limit of liability is Php 200,000.

Motor vehicle insurance coverage that insures against damage to your vehicle. This includes fire, theft, and even accidental damage to your car.

The document is presented to the Land Transportation Office for registration of the vehicle as evidence of a CTPL policy.

  • Brand new cars CTPL policies are three years. For example, if your policy’s start date is June 1, 2024, its CTPL car insurance renewal due date would fall on June 1, 2027. This matches the car's first Land Transportation Office registration period.
  • Non brand new car CTPL policies are one year. For example, if your policy’s start date is June 1, 2024, its CTPL car insurance renewal due date would fall on June 1, 2025.

Comprehensive auto policies last for a year. For example, if your policy’s start date is June 1, 2024, the comprehensive renewal due date would fall on June 1, 2025.

  • The amount you pay out of pocket when you make a car insurance claim. The lower the deductible the less out of pocket claim payments you will make. The higher the deductible the lower your premium will be.
  • The following are the standard deductibles: Private car – a minimum of Php2,000 or 0.5% of sum insured, whichever is higher. Commercial vehicles – a minimum of Php3,000 or 1.0% of sum insured, whichever is higher.

The maximum amount the insurance company is required to pay a third party injured or killed in an accident involving your vehicle without the necessity of proving fault or negligence. The limit under this benefit is Php 15,000.00 per person.

The amount “in excess” of or exceeding the coverage provided by CTPL.

Yes. When you lend your car, you also lend your insurance to whoever is on the wheel. If you lend your car to a licensed driver, it is your policy that will respond in case of an insured loss and likewise, your policy will carry the claim.

Yes, surplus parts are not subject to depreciation. You can inform the adjuster to use surplus parts to avoid paying depreciation; however, this is only recommended for collision parts (e.g. fender, bumper, door), and not for mechanical parts (e.g. suspension, tire rod, fuel tank, transmission, engine).

Acts of Nature (AON) is an optional benefit purchased with comprehensive coverage. It covers damages caused by fire, flood, and earthquakes. Acts of Nature coverage is usually required when the vehicle has a loan / mortgage.

Applying for a new policy before your current one expires isn’t a problem. It will simply take effect once your current policy expires.




General Questions

Duckncover has over a decade of insurance company underwriting as well as mobile and web development experience. We have created a seamless user experience for you, combined with technology that simplifies and personalizes your family and businesses insurance. We partner with only the strongest and highly-rated Philippine insurance companies. Duckncover allows you to focus on the things that matter, such as spending time with your family or running your business. Insuring your car, home or business with Duckncover keeps insurance where it should be, in the background.

Duckncover is an online Philippine Insurance Commission registered insurance agent. We don't replace the insurance company. Our platform is free, it helps you find the cheapest and most comprehensive insurance coverage for you.

Duckncover is partnered with the largest and most well known insurers in the Philippines namely Philippine British Assurance, SGI Philippines General Insurance, Metropolitan Insurance, Mercantile Insurance, Alpha Insurance, and The Premier Life and General Assurance. We are constantly adding new insurance company partners to increase the choice and convenience for our users.

Duckncover, Inc. is an online Philippine insurance platform. It aims to bring effortless insurance to Filipino families and businesses, and promises zero paperwork and instant coverage. With a few taps or keystrokes, we connect home, personal property, auto, and business insurance. Duckncover's transparent user experience offers premium savings with a customized insurance policy and best-in-class service.

Duckncover currently has personal LTO required CTPL auto insurance, personal Comprehensive auto insurance. In the very near future we will offer customized home and business insurance.




Registration Questions

We believe in choice and you knowing the price before registering. If you want to purchase the policy, then you will register to complete the transaction.

In the bottom left corner of your dashboard, you will see a circle "Manage your account", here is where you will update your information. We are working on our self service endorsements i.e. policy changes right now.

If you have any troubles logging into your account, feel free to send us a message at facebook or send us an email at support@duckncover.com.ph so we can better assist you.




Buying Questions

Yes. You can purchase a policy for someone else. Please Input their first name and last name on the quotation screen instead of your own.

We offer 2 ways to pay: Installments or pay in full. For our installments, we require 30% premium deposit plus documentary stamp tax, EVAT and any local government tax. The remaining premium is split into installments.

Choose your preferred quotation. Register with Duckncover, make your payment (Installment or full payment). Receive your policy via email or download it in your account. If your vehicle has a loan, your insurance company will email the policy directly to your lending institution




Payments Questions

Yes we offer 0% interest installment plans. We require 30% premium deposit plus documentary stamp tax, EVAT and any local government tax. The remaining installment amounts do not include taxes.
Yes. We have partnered with Paynamics to bring you a safe, secure and reliable payment system. They are one of the Philippines' most trusted and accessible payments provider. They are PCI-DSS Compliant.

We offer over 20 payment methods to choose from:
  • 7 Eleven (7-Connect)
  • 7 Eleven (CLiQQ Kiosk)
  • Bancnet
  • BDO Online Bills Payment
  • BPI Direct Payment
  • Cebuana
  • Coinsph
  • Credit or Debit Card
  • Direct Agent 5
  • ECPay
  • Expresspay
  • GCash
  • MLhuiller
  • PNB Online Bills Payment
  • Posible
  • PNB Online Bills Payment
  • SM Payment
  • Truemoney
  • UCPB Online Bills Payment
    • Transaction fees may apply

We offer 0% interest for our installment payments.

There are no installment late charges. However if you fail to pay your installment within the grace period after your installment due date your policy will cancel for non-payment of premium.

Inside your policy there is "billing & payment" tab. Here is where you will make your payments.

Your deposit includes 30% of your premium, documentary stamp tax, EVAT and any local government tax. The remaining premium balance is divided into 3 installments.

You have a grace period after the installment due date to make your payment. If you haven't paid before your grace period is up, your policy will cancel for non-payment of premium.

It will depend on your insurance company.
  • Philippine British Assurance - up to 3 months
  • SGI Philippines General Insurance - up to 3 months
  • Metropolitan Insurance – up to 3 months
  • Mercantile Insurance – up to 3 months
  • Alpha Insurance - up to 3 months
  • The Premier Life and General Assurance - up to 3 months

Our comprehensive auto insurance is available for installments. The LTO required CTPL is full payment.

Yes, we will email to your Duckncover registered email 14 days before your installment due date. Another email reminder is sent 1-3 days before the installment due date.

All Duckncover user's can avail the installment plan.




Policy Questions

Inside your policy there is a "documents tab. Within the "documents" is your downloadable policy.

Your policy considered active either the day you make your initial payment or your desired start date if that date is in the future.




Cancellations and Refunds Questions

Yes. Log into your account Click "Policies" Click the policy that your want to cancel On the bottom part of the policy information, click "Cancel policy".

If you choose to cancel your policy a refund is possible. This depends on your insurance companies cancellation policy.

No you can not cancel your policy once you have submitted a claim and your insurance company has accepted it as a covered claim.

No there are no cancellation non-payment premium refunds.

Yes, If you fail to make your installment payment by the due date and within the grace period, your policy will be canceled due to non-payment of the premium.

Unfortunately your policy can not be reinstated if it cancels for non-payment of premium. Cancellation for non-payment of premium means not paying your installment before the due date and grace period. A new policy must be purchased.



Support Questions

For any questions, feel free to send us a message at facebook or send us an email at support@duckncover.com.ph.

For partnerships, send us an email at partner@duckncover.com.ph.



Claims Questions

Inside your policy in the top right there is red button labeled "file a claim". There will be your insurance companies claim email address, their claim phone number and their roadside assistance phone number. We are presently developing our easy to use claims.

Your policy must be paid in full before your insurance company will release your claim payment to you.