⚠ because ignorance can kill you
ICKY protects Filipino drivers through smart insurance, road safety education, and 24/7 accident support. Don't just drive — drive protected.
Filipinos die on the road every year. Most were unprotected. Don't be a statistic.
Most Filipino drivers aren't reckless — they're uninformed. And that gap between knowing and not knowing can cost a life, a livelihood, or a lifetime of debt.
Most insured drivers can't explain what their policy actually covers — until it's too late and a claim gets denied.
of PH drivers don't fully understand their policy
Panicking, admitting fault, or moving the vehicle before documentation — small mistakes that destroy valid claims.
claims denied or reduced annually due to improper response
Especially motorcycle riders and delivery workers — those who need it most are the ones least covered and least informed.
of motorcycles in PH have no coverage beyond CTPL
From clueless to covered — ICKY walks with you every step of the way.
Answer 5 quick questions. We match you with the right plan and translate every term into plain Filipino-friendly language.
Pay via GCash, Maya, or bank transfer. Get your digital policy card in minutes. No fuss, no fine print surprises.
Access ICKY Academy — bite-sized modules on accident response, your legal rights, and defensive driving. Free for all.
In an accident? Call ICKY. We guide you through every step, connect you with your insurer, and protect your claim.
Answer 5 quick questions and we'll match you to the right ICKY protection level — no jargon, no pressure.
This helps us understand your driving context and financial needs.
Different vehicles have different risk profiles and coverage requirements.
Used only to recommend the right premium range — never stored or shared.
Pick the scenario that keeps you up at night as a driver.
Frequency affects both your risk exposure and the best payment structure for you.
Full comprehensive coverage for the working Filipino driver.
Also consider
Conservative premiums designed around your income — because no Filipino driver should be priced out of protection.
Valid school ID required · Monthly load payments OK
Less than PHP 1.40/day · 10% discount for 10+ barangay enrollees
Bridge the gap — PHP 1,500/year · PA coverage 4× higher than Masa
7% no-claim bonus every clean year
Dedicated account manager · 1-hour claim acknowledgment
Custom pricing · Response within 1 business day · No commitment required
All plans include free ICKY Academy access, 24/7 accident support, and plain-language policy summaries.
Optional add-ons: Acts of Nature · Roadside Assist · Legal Cover · Ridesharing Endorsement
Every ICKY policyholder gets a digital ID card — proof of coverage on your phone, always. Tap to flip and see what's on the back.
Digital ID cards are issued instantly upon policy activation · Works offline · Accepted by LTO & partner hospitals
Drivers Protected Year 1
Insurer Partners
Academy Modules
Accident Response
We're the only platform in the Philippines that combines brokerage, education, and emergency response — because knowing protects you as much as a policy does.
Every policy comes with a plain-language summary card. No jargon. No surprises.
Unlike agents who work for insurers, ICKY works for drivers. We help you maximize your claim.
Works on entry-level smartphones. Accepts GCash and Maya. Available in Filipino.
Fully regulated by the Insurance Commission. Partnered with LTO, LTFRB, and DOTr.
Nagkaroon ako ng aksidente sa EDSA — PHP 38,000 ang damage. Tinawagan ko ang ICKY at step-by-step nila akong ginabayan. Na-recover ko ang buong halaga. Huwag nang mag-alinlangan. Salamat ICKY!
I never understood what CTPL actually covered until ICKY Academy. Now I know my rights, I know what to document, and I feel genuinely protected on the road. Worth every peso.
As a delivery rider, I always thought insurance was too expensive for me. The Masa plan is less than PHP 5 a day and now I have real accident coverage. ICKY gets riders like me.
Free bite-sized modules that every Filipino driver should complete. Learn what to do before, during, and after any road incident.
Step-by-step protocol that protects your claim and your rights
What's covered, what's not, and what questions to always ask
Philippine traffic law basics every driver must know
Documents, timing, and the mistakes that get claims rejected
Practical techniques for safer driving in Philippine conditions
All ICKY policyholders get free Academy access. Non-policyholders can access 3 basic modules at no cost — because road safety should never be locked behind a paywall.
Also available as group training:
Accidents are chaotic. Adrenaline is high, decisions are hard. ICKY's 24/7 Road Response cuts through the panic and tells you exactly what to do — step by step, in real time.
One number. Day or night. An ICKY Road Response agent picks up and takes over the thinking.
We tell you exactly what photos to take, what to say (and NOT say), and what information to collect.
We submit your FNOL with you and track your claim until it's resolved.
If you face legal action, we connect you with our pre-vetted road incident lawyer network immediately.
Also reachable via:
The Iskolar tier isn't just an affordable plan — it's a lifetime relationship. We reach Filipino drivers at age 18, before any other brand does, and walk with them through every chapter of their driving life.
Show your school ID and you're enrolled. No payslip, no parental guarantor, no credit check.
PHP 25–30 per month via GCash or cell load. Fits allowance-based cash flow with no lump-sum pressure.
All 9 road safety modules, a certification recognized by LTO and IC, and community forum access.
Mapped to university health offices and nearby partner hospitals with Campus Safety Ambassadors.
Seamless transition with a loyalty discount. No re-enrollment, no gap in coverage.
Top enrolling campus each semester wins a PHP 50,000 ICKY Safety Fund for road signs, gear, and training.
One policy that grows with you from freshman year to fleet owner.
CTPL, accident cover, full Academy
PHP 299/yrCTPL + Personal Accident + roadside
from PHP 500/yrFull comprehensive + legal + no-claim bonus
from PHP 5,000/yrAgreed-value, dedicated manager, fleet options
from PHP 20,000/yrEstimated 20-year lifetime value with ICKY: PHP 180,000+ in protection — starting at just PHP 299.
Every active ICKY policyholder earns raffle entries automatically. The safer you drive, the more entries you earn. Protection that pays back.
Any tier — Iskolar, Masa, Mid, or Elite — qualifies you automatically.
Each completed module adds a bonus entry. Knowledge has its rewards.
Refer a friend who enrolls and earn 5 bonus entries for that quarter's draw.
Drive accident-free for the full quarter and earn a major bonus entry multiplier.
Trusted by & Partnered with
Join thousands of Filipino drivers who chose knowledge over ignorance. Get covered, get educated, and get the support you deserve — all in one platform.