Frequently Asked Questions (FAQs)
If there's a specific vehicle you're shopping for, just use the search box on the PhilVex homepage or get started here. Start by selecting the make and model or body type that you're looking for, the price range that you are willing to spend, and your city. Once you're done, just click either “Search on Listings” or “Search on Maps” button. You will see all vehicles in your area that might be a good fit.
To search for vehicles fitting your exact specifications, try our Advanced Search! On this page, you can focus on specific vehicle details—age, mileage, features, etc.—to ensure that your search results show exactly what you're looking for. Don't forget to research the vehicles you are interested in to see reviews from our expert editorial team alongside reviews from real car owners!
Maps Explorer — This page splits into two sections.
The left section shows the map where all seller locations that match on the search results will be displayed. The right section shows the list of sellers and the cars they are selling. With the map feature, you can customize your search results according to the location by using maps tools such as scouting, finding results near your current location, filtering displays by adjusting the distance radius from where you're located, zooming in and out, recentering to your current location, search textbox, and many more.
With the seller and car list feature, you can view the car details and specifications. This list is also sorted according to distance from your current location or from the center of map's current view.
- Car Dealers Locator — This page allows you to search your next car using a car dealer's location. It also has the same maps feature as the Maps Explorer page. However, the search results only show car dealerships and the seller's details.
- Sign up a FREE account to PhilVex's Become a Partner page. Select a partnership program that fits to your selling needs;
- Verify your email address linked to your account; and
- Verify your phone number linked to your account;
- Your profile and listings will be prioritized on search rankings.
- You will have a special badge tagged on your profile, listings, maps services, and listing previews which increases your credibility as a legitimate PhilVex seller.
- Login to your account then go to, Transactions -> My Garage
- Under "Live" tab, find the specific listing you want to edit
- Click the "pencil icon" / edit button
- Make changes such as images and other details
- Click "Save"
- Navigate to, Transactions -> My Garage
- Find the specific listing you want to delete
- Tick the checkbox button at upper left side of the card of the listing
- A "Delete" button will appear at the bottom of the page
- Click "Delete" button
NOTE: All deleted listings are temporarily moved to BIN and will be permanently removed from the system after 30 days.
In addition to breaching the law by not having car insurance, if you are at fault in a car accident and don't have insurance, you are responsible for paying for the repair of both your car and the vehicle you damaged. In other words, car insurance protects you from paying the costs of the repair of your vehicle and the financial liability as a result of these unwanted events.
Compulsory Third-Party Liability (CTPL) Insurance
Prior to registering or renewing a vehicle, you must first obtain a “Compulsory Third-Party Liability (CTPL)” car insurance as mandated by the Land Transportation Office (LTO) for all motor vehicle owners. This type of insurance can protect you from certain liabilities if your car causes an accident that results in the death or bodily injury of a third party. One of the main reasons why this is needed is that pedestrians or any unsuspecting third-party victims are assured that they won’t be left without any aid if they get injured in an accident.
Comprehensive Car Insurance
Comprehensive car insurance policies have a higher yearly premium than CTPL since their coverage is broader, as the word "comprehensive" implies. A comprehensive car insurance coverage typically covers the car in its original state, excluding third-party accessories. You can, however, have your accessories declared under the policy, which will result in a higher annual premium.
You can buy CTPL insurance online at a reasonable price (as regulated and standardized by the Insurance Commission). All you have to do is contact your preferred insurance company and provide the necessary documents:
- Original vehicle receipt (OR)
- Certificate of Registration (CR)
- Driver's License
- One government ID (aside from Driver's License)
The inclusions on this policy, however, may differ depending on your car insurance provider. For example, theft coverage may be limited to the parts required for the insured vehicles to function correctly, as some insurance companies may refuse to cover stolen components or accessories found within the vehicle. If your car is stolen, you can be reimbursed for a set amount depending on its fair market value and depreciation.
When your car sustains damage that is not caused by normal use, such as a collision with another vehicle or being struck by falling debris, your insurance provider will shoulder the costs of repairs or replacement. If your vehicle is stolen or robbed, the same rules apply.
Another benefit of having comprehensive car insurance in the Philippines is that it can protect you from very costly obligations, especially if you hit a pedestrian or damage property such as other cars. Rather than paying for these costs out of pocket, car insurance allows you to file a claim with the insurer for your own damage, subject to the limits of your policy.
In the case of natural disasters which are beyond human control, there is an inclusion of coverage that is known as “Acts of God” or “Acts of Nature”. Natural disasters such as earthquakes, floods, typhoons, tornadoes, hurricanes, hail, tsunamis, or wildfires can cause damage to your automobile. This kind of inclusion is extremely beneficial, especially in the Philippines, where natural calamities are often.
- Acts of God/Nature – provides financial protection in case your car was damaged due to fortuitous events such as floods, typhoons, earthquakes, and other similar natural disasters.
- Personal Accident Insurance - financially protects the driver and passengers from injuries or death in the event of an accident.
- Roadside Assistance - is typically an extra service that is optional but offers peace of mind in the event that you breakdown or require towing.
- Voluntary Third Party Liability – regular CTPL on covers up to ₱100,000; you may opt to avail this add-on to provide financial security for indemnities beyond this limit.
- Most car insurance providers only offer coverage for vehicles up to ten (10) years old ; anything older than that is not insurable, but some may still do so at a higher premium.
- It is more likely that an insurance application won't be granted for any vehicle whose repair costs exceed its market value. When it comes to older vehicles, it is difficult on the part of the insurance provider to find any replacement for the parts that are not readily available on the market, making it too expensive for them.
- If you own a desirable classic or vintage car, your insurance premium will be higher, and you might need specialized coverage for this kind of vehicle.
Despite the aforementioned limitations, you can always inquire with your preferred insurance provider about whether you can still insure your old used car.
- Take clear pictures of the accident, paying close attention to the damaged area of the involved cars
- Prepare documents including:
- Original Receipt (OR)
- Certificate of Registration (CR)
- Driver’s License
- Your insurance policy
- Though not always necessary but securing police report may help expediting your insurance claim
- Third party’s contact information and driver’s license
The aforementioned documents are what you need to begin a claim; additional documentation may be required in the event of hospitalization or death.