How Typhoon Season Affects Your Car and Travel Insurance
Learn how typhoons impact car and travel insurance in the Philippines—covering floods, trip delays, and tips to stay protected this rainy season.
The Philippines faces frequent typhoons, especially from September to December. These storms don’t just affect daily routines—they also influence how your car insurance and travel insurance protect you.
Car Insurance During Typhoon Season
1. Flood Damage Coverage (Acts of Nature)
Flooding is a major risk, specially in the Metro streets. Car insurance policies do not automatically exclude flood damage unless you add Acts of Nature (AON) coverage. The AON is a policy rider that protects against floods, typhoons, earthquakes, and landslides.
2. Increased Risk of Accidents
Wet and slippery roads raise accident risks. A Comprehensive Car Insurance policy typically covers Collision and Own Damage. These are essential coverages that protect your car.
3. Theft due to Vehicle Abandonment
During severe flooding, cars may be left stranded—making them vulnerable to theft. Theft coverage under a comprehensive insurance plan gives you financial protection against such risks.
Travel Insurance During Typhoon Season
1. Trip Cancellations and Delays
Airlines and ferries cancel trips when storms are forecast. Travel insurance with trip cancellation and interruption coverage reimburses tickets, hotels, and rebooking fees. These protects the investment you made on your trip.
2. Medical Emergencies Abroad
In case of an accident or illness while stranded, a good policy covers hospitalization, evacuation, and emergency medical assistance.
3. Baggage Delays or Loss
Chaotic rebookings raise the risk of lost baggage. Insurance ensures you’re compensated for essentials such as extra clothing and personal items while waiting.
How to Prepare Ahead
1. Review your coverage – confirm if your car policy includes Acts of Nature.
2. Keep documents ready – airlines’ cancellation notices, police reports, and PAGASA advisories can support claims.
3. Stay updated – track PAGASA weather bulletins before traveling or driving.
4. Document everything – photos/videos of damage help speed up claims.
The Bottom Line
Typhoons are unpredictable, but your car and travel insurance can protect you from financial strain. Before storm season peaks, review your coverage and upgrade if needed—so you can drive or travel with peace of mind.
4. FAQ Section
Q1: Does car insurance in the Philippines cover flood damage?
Not always. Flood damage is only covered if your policy includes Acts of Nature (AON) coverage.
Q2: Can I claim travel insurance for typhoon-related flight cancellations?
Yes, if your policy has trip cancellation or interruption coverage, you can be reimbursed for unused bookings and rebooking costs.
Q3: What documents do I need to file a typhoon-related claim?
Prepare airline notices, PAGASA bulletins, receipts for travel insurance claims. Prepare photos/videos of your car damage, police reports.
Q4: Is travel insurance mandatory when flying during typhoon season?
It’s not mandatory, but highly recommended to protect against delays, cancellations, and medical emergencies.