Where to Find a Car Rental with Insurance in the Philippines

Whether you’re going on a road trip or picking up a loved one at the airport, renting a car will certainly make your trip easier and more comfortable. But don’t just rent a car–make sure that the rental company offers ample insurance coverage!

Thankfully, there are many car rentals with insurance out there. If you’re looking for options, you’ve come to the right place.

Read on to learn more:

Top Benefits of a Car Rental with Insurance

When you book a car rental with insurance, you primarily get protection. Check out the following benefits:

📌Financial Protection from Car Damage

No matter how careful you are as a driver, damage to the car rental–from scratches to dents–can still happen. A car rental with insurance will protect you from such a liability with measures like the Collision Damage Waiver or CDW.

📌Financial Protection from Damage to Property or Other People

Depending on your car rental company, your insurance may cover damage to property or other people sustained while you’re behind the wheel. Usually, it includes bodily injuries and damage to objects like posts and other cars.

Also read: What Happens If You Have No Car Insurance?

📌Financial Protection from Personal Injuries or Accidental Death

This coverage will financially protect you in case you sustain injuries or die, as a result of an accident. Depending on the policy you avail, it may provide protection for your passengers as well.

📌Financial Protection from Theft or Damage to Belongings

This inclusion pays for the losses incurred in case your personal belongings are stolen or damaged while inside the car. However, remember that the insurance usually has limitations on the items to be covered.

Top Car Rentals with Insurance in the Philippines

Ready to find a car rental with insurance? Here are your top choices:

🚗Hertz

Rate: Starts at ₱3,245 per day (based on subcompact sedan like Toyota Wigo or similar)
Locations: Manila, Clark, Palawan, Cebu, Bohol, Cagayan de Oro, Iloilo, Davao, Bicol, Tacloban, Naga, Bacolod

Established in 1918, Hertz^[1] is one of the most trusted names when it comes to car rental services.

The company has a wide range of vehicles to choose from like compact SUVs, subcompact sedans, economy sedans, MPVs, midsize SUVs, full-size SUVs, and pick-up trucks. On top of that, Hertz offers leasing and shuttle services in the Philippines with a minimum commitment term of 31 days.

Each Hertz vehicle comes with insurance for the renter’s protection. The policy includes property damage, liability, and other features that are potentially beneficial for the riders. If you choose to lease a vehicle for corporate use, the insurance plus preventive maintenance are already included.

🚗Avis

Rate: Starts at ₱3,285 per day (based on Toyota Vios MT; self-drive)
Locations: Metro Manila (NAIA Terminals 1, 2, 3), Avis Pasay-NAIA, Alabang, Ortigas, Angeles, Clark International Airport, Cebu, Mactan-Cebu International Airport, Davao International Airport, Pinnacle Hotel (Davao City)

Avis^[2] is another reputable car rental with insurance, boasting around 5,500 locations across over 165 countries. The company offers self-drive cars, chauffeur-driven cars, airport transfers, shuttle services, and even bridal cars. Currently, Avis’ fleet includes sedans, SUVs, MPVs, vans, and mini buses.

For self-drive cars, rates are already inclusive of full insurance coverage, CDW, and 3% Common Carrier’s Tax. For chauffeur-driven vehicles, rates are already inclusive of chauffeur service, Personal Accident Insurance (PAI), and 3% Carrier’s Tax.

🚗Europcar

Rate: Starts at ₱2,944 per day (based on Toyota Vios E 1.3)
Locations: Pasay, Pasig, Clark, Davao, and Cagayan de Oro

Europcar^[3] is a car rental business with more than 3,800 locations in over 140 countries. With 60 years of experience under their belt, the company has a fleet of family cars, sedans, prestige cars, vans, and even trucks.

If you’re wondering if they have insurance for rental cars, Europcar actually offers three protection packages:

Basic – Offers limited protection against collision, damage, and theft.
Medium – Offers partial protection against collision, damage, and theft. Also comes with windscreen, lights, and tires protection.
Premium – Offers full protection against collision, damage, and theft. Also comes with windscreen, lights, and tires protection.

🚗National Car Rental

Rate: ₱1,755 per day via Klook (based on cars like Hyundai Accent, Honda Brio, or similar)
Locations: Cebu

National Car Rental^[4] is an international car rental company with more than 1,500 locations worldwide. If you’re in Cebu, you can always count on their service, as they have three locations in the province.

National Car Rental’s inventory includes sedans, compact SUVs, intermediate SUVs, and full-size SUVs. If you book a National Car Rental car via Klook, you may avail of the Klook Full Coverage with the following inclusions: CDW, theft protection, third-party liability, personal accident insurance, and protection associated with windows, mirror, chassis, and tires.

Also read: What to Consider When Buying Car Insurance (Checklist)

🚗Saferide Car Rental

Rate: Starts at ₱2,161 per day via Klook (based on Toyota Wigo or similar)
Locations: Butuan, Bohol, Iloilo, Dumaguete, Cebu, Bacolod,

Saferide Car Rental^[5] is one of the most trusted car rental businesses in Visayas and Mindanao, with locations in both regions’ key cities. The company offers a wide range of vehicle services, including self-drive cars, chauffeur-driven cars, motorcycles, and car leasing.

Moreover, Saferide Car Rental has tour packages for vacationers. Destinations include Cebu, Bohol, Dumaguete, and Iloilo.

If you book a car via Klook, you may choose to avail of the Klook Full Coverage. Features include CDW, theft protection, third-party liability, personal accident insurance, and protection associated with windows, mirror, chassis, and tyres.

🚗Thrifty Car Rental

Rate: Starts at ₱2,822 per day (based on Toyota Wigo or similar)
Locations: Metro Manila, Clark, Palawan, Cebu, Bohol, Davao, Batangas, Iloilo, Legazpi, Naga, Cagayan de Oro, and Tacloban

Thrifty Car Rental^[6] is present across Luzon, Visayas, and Mindanao, giving you access to a car in case you’re in one of the major cities covered by the company. Their fleet includes sedans, pick-up trucks, sedans, MPVs, and SUVs.

Thrifty Car Rental offers two rates, depending on your payment capacity at the time of rental. Prepaid rates are for those who can pay right away and Pay Later rates are for renters who are only able to pay at a later date. Note, though, that Prepaid rates are much cheaper.

When you rent from this company, you have the option to get personal accident insurance for ₱250 per day. The policy’s coverage includes up to ₱100,000 per passenger (up to four passengers).

🚗Toyota Mobility Solutions

Rate: Starts at ₱3,000 per day (based on Toyota Vios XE and XLE CVT A/T)
Locations: Makati City

A subsidiary of Toyota Motor Philippines, Toyota Mobility Solutions Philippines (TMSPH) offers car rentals through its RentaCar program.^[7] You have every assurance that what you’ll get is a high-quality car since all vehicles are maintained by Toyota dealers.

Toyota RentaCar’s fleet includes Vios, Innova, Fortuner, Corolla Cross, GL Grandia, and Hiace Commuter. For the car rental insurance, each vehicle comes with motor vehicle coverage and passenger protection.

One convenient thing about RentaCar is that it comes with delivery and collection services for a fee. However, remember that this service is available within Metro Manila only.

Tips for Getting a Car Rental with Insurance

Want to make the most of your car rental? Here are some tips:

Get a car that suits your trip. If you’re covering long distances with a group of people, getting a hatchback may not be the best decision. Ensure everyone’s comfort by renting an MPV or SUV. In the same vein, consider getting a hatchback if you’re just driving within the city with just one person.
While many car rental companies have counters at airports, you may want to avoid them as their services usually cost more. If you still have the time to research and compare providers, do so. This will save you money in the long run.
Use your credit card when renting. Some banks offer discounts when you deal with a certain car rental company. Your bank may even offer secondary coverage when you use it to pay for your rental.
Transact online for convenience. You don’t have to go to the rental service’s physical location, as many businesses already have online reservation facilities.
Check car rental insurance coverage. Review it thoroughly and ask about deductibles or whether the coverage is already included in the total fee.
Book your car in advance. This will help you avoid exorbitant prices during peak seasons. Moreover, cars are in high demand during this period, and you may not be able to reserve one.
Check the car upon pick-up. Look for existing damage such as scratches or dents. See to it that crucial parts like brakes and lights are in good working condition. If you can, document the collection of the car by taking pictures or videos.

Final Thoughts

Renting a car is one of your best options whether you’re exploring a tourist destination or even running some errands. When looking for a car rental company, don’t just go for the most affordable one! Make sure that the business you’re dealing with has a fleet of options and car rental insurance for your protection.

Car Insurance Company	Maximum Total Sum Insured	CTPL Coverage	Own Damage & Theft Coverage	Acts of Nature Coverage	Death / Disablement Coverage
FPG Insurance	₱4 million	✔️	✔️	✔️
Malayan Insurance	₱7.5 million	✔️	✔️	✔️
The Mercantile Insurance Corporation	₱5 million		✔️	✔️
OONA Insurance (formerly MAPFRE)	₱5 million	✔️	✔️	✔️	✔️
PGA Insurance	₱3 million				✔️
SGI Philippines	₱5 million	✔️		✔️	✔️
Standard Insurance	₱5 million	✔️	✔️	✔️	✔️
Stronghold Insurance	₱3 million		✔️