- Christmas Holidays, Rains, and Floods
- Why Is Protection Important During the Holidays
- The Right Car Insurance Coverage
- Understanding “Acts of God” Coverage
- What to Look for in a Reliable Car Insurance Policy
- Is Flood Coverage Worth It?
Christmas Holidays, Rains, and Floods
Have you ever noticed how the rainy season in the Philippines now seems to stretch right into December? With around 20 storms passing through the country each year, it’s not surprising that some areas still deal with the aftermath of heavy downpours just as the Christmas and New Year holidays arrive. For many Filipino drivers in the Metro, that means facing flooded streets, traffic jams, and the higher risk of road accidents. It’s a time to drive carefully—and to ensure that your vehicle has the best car insurance protection in the Philippines.
Why Is Protection Important During the Holidays
December brings two things: more rain and more cars on the road. There is more activity on the road too. With families traveling, holiday shopping in full swing, just everyone seems to be in a rush to celebrate. Combine that with slippery roads, and accidents become more likely. But what’s often overlooked is the damage floods can cause—not just to engines but to the car’s electronics, upholstery, and even air conditioning systems. Many car owners only realize, too late, that their policy doesn’t include flood protection, or what insurers call “Acts of God” coverage. That’s why choosing a plan with complete protection matters.
The Right Car Insurance Coverage
Not all car insurance policies are created equal. Some only provide Third-Party Liability (TPL), which covers damage you cause to others but not your own vehicle. Comprehensive insurance, on the other hand, covers accidental damage, accident insurance that covers bodily injury, theft, and vandalism—but not all plans automatically include flood or Acts of Nature coverage. This is where a comprehensive car insurance plan from Standard Insurance makes a big difference. A comprehensive car insurance plan from Standard Insurance includes Acts of Nature coverage, protecting your vehicle from floods, earthquakes, typhoons, and even volcanic ashfall. That’s the kind of peace of mind every driver needs—especially during the unpredictable holiday weather.
Understanding “Acts of God” Coverage
Acts of God—or Acts of Nature—refers to damage caused by natural events beyond human control. This includes floods, typhoons, earthquakes, volcanic eruptions, and landslides. Having this coverage ensures that even if your car is damaged due to these natural disasters, you won’t have to shoulder the repair costs on your own.
When getting insurance, always check that your policy clearly lists Acts of Nature coverage. A small oversight could cost you thousands later.
What to Look for in a Reliable Car Insurance Policy
Aside from Acts of Nature coverage, look for policies that offer:
- 24/7 roadside assistance for emergencies
- Easy and fast claims processing
- Access to accredited and trusted repair shops (casa or non-casa).
These features make all the difference when you’re stuck in the rain or dealing withpost-flood car damage.
Is Flood Coverage Worth It?
Absolutely. Acts of Nature add-ons typically cost a small price compared to potential flood repairs that can reach ₱150,000 or more. Without the right coverage, one bad storm can mean a huge financial setback.
So before the next “baha” hits, make sure your car insurance is rainy-season ready. With the best car insurance in the Philippines, like car insurance from Standard Insurance, you can drive confidently through any season—rain or shine. If you want comprehensive protection with affordable premiums and reliable flood coverage, visit Standard Insurance to learn more.
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