Motorcycle ride-hailing has quietly become a lifeline for millions of Filipinos navigating congested roads and limited public transport. From daily commuters to delivery workers and side-hustling riders, platforms like Angkas now play a central role in how people move around cities. But while the sector continues to grow, one critical gap remains: protection for the riders who keep it running.
That gap is now being addressed through a new partnership between regional insurtech Igloo and Angkas, the Philippines’ largest motorcycle ride-hailing platform. Together, they are rolling out affordable personal accident and medical insurance coverage for more than 20,000 Angkas riders, making safety more accessible in the country’s fast-growing gig economy.
The rise of ride-hailing services has reshaped urban mobility in the Philippines, particularly in Metro Manila and other densely populated cities. With fragmented public transportation systems and heavy traffic, motorcycles offer a faster, more flexible option for daily travel.
Industry projections show the motorcycle ride-hailing sector reaching USD 1 billion in revenue by 2030, reflecting its growing importance. Yet many riders still operate without adequate insurance, leaving them financially vulnerable in the event of accidents or medical emergencies.
This concern has not gone unnoticed by regulators. The Philippine Insurance Commission (IC) recently issued a draft circular proposing Passenger Personal Accident Insurance (PPAI) coverage for motorcycle taxis. The move signals a broader national push to strengthen rider and passenger safety as the sector expands.
How the Igloo and Angkas Partnership Works
Angkas currently has over 20,000 registered riders and more than 11 million app downloads, making it the largest motorcycle ride-hailing platform in the country. Through its collaboration with Igloo, Angkas riders are now automatically enrolled in Personal Accident (PA) plans while completing rides.
This embedded insurance model means riders do not need to apply separately or manage complicated paperwork. Protection is built directly into the platform where they earn their income.
What Coverage Riders and Passengers Get
For a minimum premium of just 52 cents per ride, both riders and passengers receive meaningful protection, including:
- PHP 650,000 in personal accident insurance benefits
- PHP 200,000 in medical coverage
- Free private ambulance service in case of emergencies
This structure makes insurance affordable on a per-ride basis, especially for gig workers who prefer flexible, usage-based costs rather than large upfront payments.
For Igloo, the partnership reflects its broader mission to make insurance more inclusive and accessible across Southeast Asia.
“This partnership aims to provide thousands of Filipino riders access to affordable insurance embedded directly into the platform where they earn their livelihood, closing the protection gap by reaching them where they are,” said Raunak Mehta, Co-founder and CEO of Igloo.
“At Igloo, our mission is to make insurance accessible, relevant, and affordable for all, and we will continue forging partnerships like this to advance that vision across the region.”
By integrating insurance into everyday digital platforms, Igloo is addressing a long-standing issue faced by gig workers: limited access to financial protection despite high exposure to risk.
Angkas Strengthens Rider Trust and Safety
From Angkas’ perspective, the initiative reinforces its commitment to rider welfare and passenger trust.
“Our riders’ safety is our top priority at Angkas, and this milestone partnership allows us to provide even more support for them,” said Angeline Tham, Founder of Angkas.
“By working with Igloo, we’re able to offer accessible coverage that protects our riders and strengthens the trust that millions of Filipinos place in our service every day.”
In an industry where trust is everything, offering built-in protection helps reassure both riders and passengers that safety is not an afterthought.
A Bigger Shift in Digital Insurance
The Igloo and Angkas collaboration highlights a growing trend in the insurance industry: embedded insurance. Instead of selling standalone policies, insurers are integrating protection directly into digital services such as ride-hailing, e-commerce, and fintech platforms.
As mobility platforms continue to shape how Filipinos move and work, collaborations like this show how technology and insurance can work together to create safer, more sustainable livelihoods.
To learn more about Igloo’s products and services, visit its official website.
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