Standard Insurance Co. Philippines is the worst insurance company I ever had. They will persuade you to take them as your insurance co. then when you make your claim, they will demand requirements that was not in the initial requirements asked from you. Then they will insist that they have a right to ask for additional requirements. Further, I have submitted my initial requirements a week after my accident, Feb. 22, 2015 then they responded on July 1, 2015 that I need to submit new required documents. I immediately comply. Then, they responded Sept 22, 2015 saying it still lacking.