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Travel insurance is now part of our travel expenses so whether we are traveling domestically or internationally, I make sure that we are protected. I experienced buying travel insurance for our Philippines, Asia, and Europe trips. For our recent Sydney trip, I also bought travel insurance even though it is not part of the Australian Tourist Visa requirements. 

Some say that having a car is not an investment because the value of the car depreciates from the moment it leaves the car shop. Aside from that, there are so many expenses that you need to consider if you have a car like fuel, parking fees, toll fees, maintenance fees, and car insurance.

Read: 5 Things To Consider When Buying a Family Car


Yes, having car insurance is very important because we cannot predict the future and no matter how careful we are, accidents happen on the road. It is an additional cost in your pocket but you never know when you need so it is better to invest in insurance. There are so many auto insurances in the market, in fact, whenever you register your car you need to pay for insurance. But of course, the coverage is very limited so you get what you pay for.

Read: Car Insurance 101

Buying car insurance is not cheap, it depends on the coverage and also on your car. If you ask me if the insurance fee is worth it, my answer is yes, because when my husband had an accident several years ago we did not pay anything for the repair. We only paid for the towing fee. Good thing my husband was safe but it took them 2 months to repair the car. We’ve experienced two minor accidents and the insurance company shouldered everything.

If you are planning to buy car insurance, it is very important that the insurance covers the “Acts of God Protection”, I remember the typhoon Ondoy, we attended an event and on our way home, the SLEX was already flooded but my husband tried to cross the flood. We were able to pass the flood but when we arrived home, my husband checked the car mat, it was damp. The car had been checked and fixed and paid for by the insurance company.

Anyway, if you still remember my post about my Schengen Visa Application. I bought our travel medical insurance online. While browsing Malayan Insurance site, I noticed that they are also offering other insurances including car insurance. Just like the travel medical insurance, you can get a quotation online and you can also buy it online. Check it here.

Read: Where to Buy Travel Medical Insurance for Schengen Visa Application

If you want to invest in auto insurance, make sure that you have these benefits. These are the car insurance & car insurance policy coverage of Malayan Insurance

1. Automobile Loss/Own Damage
2. Third Party Liability
3. Auto Personal Accident
4. Acts of God Protection or Acts of Nature
5. Riots, Strikes, & Civil Commotion Coverage
6. Standard Automobile Accessories Protection
7. Optional Valuable Accessories Protection
8. Loss of Use
9. 160 Accredited Repair Shops