BPI MS logo

BPI MS Car Insurance

BPI/MS Insurance Corporation

Aditya Aman, author and expressway expert based in Manila, PhilippinesBy Published Oct 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

BPI MS sells Comprehensive Motor Insurance (official source) with acts of nature as a paid extra. Its insuring terms (official source) set the deductible at 0.5% of the car's fair market value per loss, minimum ₱2,000, and repair cars past 60 months at non-casa rates. Motor claims go to (02) 8840-9999, (02) 8840-9966 or bpimsclaims@bpims.com. Owned 51% by BPI and 49% by Mitsui Sumitomo, it ranked 4th by 2025 gross premiums (official source) (all non-life lines, unaudited).

Call (02) 8840-9999Get an online quoteOfficial site

Licensed by the Insurance Commission, Certificate of Authority 2025/18-R, on the IC list of licensed insurers as of 31 August 2026 (official source).

What BPI MS sells

Comprehensive Motor Insurance

  • Own damage and theft: collision, theft, fire, explosion, lightning, self-ignition, malicious damage
  • Voluntary third-party liability for bodily injury
  • Voluntary third-party liability for property damage
  • Unnamed passenger personal accident, free for private cars under 10 years old
  • Acts of nature for an extra premium: flood, typhoon, volcanic eruption, earthquake
  • Express Roadside Assistance for cars under 10 years old

BPI MS CTPL

  • Third-party death and bodily injury, up to ₱200,000 per IC Memorandum Circular 2024-01
  • Cars and motorcycles, with the e-policy issued online in real time

Buy through: eProtect online store, Instalments on BPI, BDO, HSBC, RCBC and Robinsons Bank credit cards, Accredited BPI MS agents.

BPI MS coverage at a glance

Own damage and theft
Included. Deductible 0.5% of fair market value per loss, minimum ₱2,000. Cars over 60 months old are repaired at non-casa rates (Comprehensive Motor T&Cs (official source)).
Excess bodily injury
Included
Third-party property damage
Included
Auto personal accident
Included. Free for private-use cars under 10 years old.
Acts of nature
Optional. Extra premium. The FTHVEE endorsement in the Comprehensive Motor T&Cs deletes the flood, typhoon, volcanic eruption and earthquake exclusion.
Roadside assistance
Included. Express Roadside Assistance (official source), (02) 8459-4707 or 0917-1163725, for cars 10 years old or younger (October 2026). Towing and minor on-site repair up to ₱3,500 per event; alternative travel and repatriation up to ₱2,000. Three breakdown calls a year, accident calls unlimited. Policies issued on or before 14 May 2025 use (02) 8687-8585.

Compare every insurer.

How to file a BPI MS claim

  1. Before you call, have these ready

    Your policy, the car's certificate of registration and current official receipt, the driver's licence and its official receipt, and photos of the scene if you took any.

  2. Notify BPI MS immediately

    Call the motor claims lines, (02) 8840-9999 or (02) 8840-9966, or email bpimsclaims@bpims.com, as the claims filing page (official source) asks.

  3. Prepare the documents on the checklist

    A police report is required for total loss, theft, and large third-party damage or injury claims. For smaller claims a notarized affidavit or the BPI MS accident form will do (motor claim requirements (official source)).

    • Motor Vehicle Accident Report Form
    • Police report, notarized affidavit or BPI MS accident report form
    • Photocopy of the CR and current OR
    • Photocopy of the driver's licence and its OR
  4. Submit in person or by email

    Hand the documents to the head office, your servicing branch, the Motor Claims Evaluation Center or your agent, or email them.

  5. Have the car inspected

    Walk-in inspection is at the 11th floor Motor Claims Reception of the Motor Claims Evaluation Center (official source), 6811 BPI-Philam Life Makati, Ayala Avenue, Monday to Friday, 8 am to 5 pm. Parking is by prior appointment. Evaluation starts when documents are complete or the car is inspected, whichever is later.

  6. What a settled claim looks like

    BPI MS agrees the amount, then pays or approves the repair. The Insurance Code, Sec. 249 (official source) requires payment within 30 days after proof of loss is received and the loss is agreed. BPI MS states no settlement time of its own. If the claim is denied, the IC standard Private Car Policy (official source) asks for mediation first and gives you one year from the denial to sue; a request for reconsideration does not stop that clock.

Documents to have ready

6 of 6 still to gather

Before you buy

  • Ask whether acts of nature (flood, typhoon, earthquake) and riot, strike and civil commotion are in your quote. The IC standard Private Car Policy (official source) excludes them unless added as an optional cover.
  • Check the participation fee in the coverage list above. The IC motor tariff (official source) default is the higher of ₱2,000 or 0.5% of the sum insured.
  • Parts are depreciated on own-damage claims once the car is over 3 years old, from 20% up to 40% by age, under the standard policy (official source). A total loss is settled differently.
  • Tell the insurer as soon as possible after an accident, with full details, and keep every claim document. For carnapping, the policy (official source) also asks for immediate notice to the police.
  • If the car is financed, name the bank as mortgagee: how to insure a financed vehicle.
  • Your policy schedule and wording decide what is paid. For a dispute the insurer cannot settle, the Insurance Commission's public assistance desk takes complaints: how to file a claim.

BPI MS contact

Claims hotline
(02) 8840-9999
Phone
(02) 8459-4707 (Express Roadside Assistance)
Email
bpimsclaims@bpims.com
Address
11th, 14th, 16th and 18th Floors, 6811 BPI-Philam Life Makati, Ayala Avenue, Salcedo Village, Makati City 1209

About BPI MS

Group
Bank of the Philippine Islands (51%) and Mitsui Sumitomo Insurance (49%)

BPI MS questions

How much is BPI MS car insurance?

BPI MS prices each car on its eProtect store (official source), from the car's value and the covers you pick.

The IC motor tariff (official source) puts own damage and theft at 1.25% to 3.75% of value, and acts of nature at 0.50% or more (tariff as of 1 January 2015). Try your car in the premium calculator.

Can I buy BPI MS CTPL online?

Yes. eProtect sells CTPL for cars and motorcycles and issues the e-policy on the spot. The Insurance Commission fixes a 1-year private car CTPL at ₱560; see the CTPL guide for what it pays.

Who owns BPI MS?

BPI/MS Insurance Corporation is a joint venture. The Bank of the Philippine Islands holds 51% and Mitsui Sumitomo Insurance of Japan holds 49%.

Does BPI MS pay casa rates on an older car?

Not after 60 months. Once the car is more than 60 months old, BPI MS settles repairs at non-casa shop rates, under its Comprehensive Motor T&Cs (official source).

Choose BPI MS for a newer car you want repaired at the casa; for a car past 5 years, compare insurers that state their own casa terms in the directory.

Does BPI MS cover riots and strikes?

No. The policy's general exceptions exclude strike, riot and civil commotion from every section except CTPL and no-fault indemnity. Here is how riot and strike cover works elsewhere.

Should I add acts of nature to a BPI MS policy?

Without the paid endorsement, the BPI MS terms exclude flood, typhoon, volcanic eruption and earthquake damage to your own car.

The IC standard Private Car Policy (official source) also puts the burden on you to prove a loss arose apart from those events. Choose the endorsement if you park or drive where floods happen; otherwise a flood-damaged engine is yours to pay.

More in the flood damage guide.

Sources

Compare BPI MS with

Every insurer side by side.