Rainy Season Floods Are Here Again!
Protect your car from baha, bangga, and unexpected expenses this tag-ulan.
When the rainy season hits the Philippines, we enjoy cooler weather—but we are also exposed to flooded streets, traffic jams, and more road accidents. For Filipino drivers, this means driving more carefully and making sure you have the best car insurance for the rainy season.
Many car owners only realize—too late—that their policy doesn’t include flood coverage or what’s often called “Acts of God". Let’s look at why having the right car insurance in the Philippines is essential during the tag-ulan months.
Common Car Risks During Rainy Season
The rainy season brings more than just wet roads. There are risks specific to wet conditions, like:
· Flooding – Driving through baha can cause hydrolock, leading to severe engine damage or even total failure.
· Slippery Roads – Accidents increase due to reduced tire traction, often resulting in damage or injury.
· Water Damage to Electronics – Floodwater can ruin sensors, dashboard functions, and EV batteries.
· Interior Mold and Mildew – Wet upholstery may lead to foul odors and hidden mold, which can cause health problems.
> 💡 Fast Fact: Car insurance companies in the Philippines often report a surge in claims from June to October due to floods and collisions.
Not All Car Insurance Covers Flooding
Many assume all car insurance offers flood protection. That’s a common mistake. Consider the basic differences between compre car insurance and CTPL:
· TPL (Third-Party Liability) covers only damage to other people—not your own vehicle or your obligation when you damage someone else’s property .
· Comprehensive car insurance—includes damage to your vehicle as well as vandalism, theft and accidents. But not all plans have Acts of God coverage.
What is Acts of God Coverage?
Also called Acts of Nature, this optional add-on covers damage caused by:
· Floods
· Typhoons
· Earthquakes
· Landslides
> ✅ Pro Tip: When getting car insurance with Acts of God coverage, make sure the specific coverages are clearly listed.
What Car Insurance Features Should you Look For?
When choosing comprehensive car insurance, prioritize these features:
✅ Acts of Nature coverage
✅ 24/7 roadside assistance
✅ Simple claims process
✅ Access to trusted repair shops (casa or accredited)
Some Driving Tips for the Rainy Season
· Avoid flood-prone areas using Waze or MMDA alerts. Check road conditions before heading out for the trip.
· Check your tires, brakes, and wipers before starting your drive.
· Drive slower and increase distance.
· Pack an emergency car kit.
Is Flood Coverage Worth It?
Yes! Here are some numbers to look at:
· Acts of Nature add-ons cost ₱1,000–₱2,500/year.
· Flood damage repairs can reach ₱150,000+.
Hence, total vehicle loss without flood insurance means big financial loss!
Don’t wait for baha or bagyo to hit. Make sure your car insurance is ready for the rainy season. With the right protection, you can drive with peace of mind—rain or shine.
Looking for affordable car insurance with flood coverage in the Philippines? Check out Standard Insurance at GCash or click here https://www.standard-insurance.com/products/CarProtect/index.html