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Cocogen Car Insurance

Cocogen Insurance, Inc.

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.

Cocogen, formerly UCPB General, sells Auto Excel Plus (official source) car insurance online and through 34 branches. Repairs at its Gawa Agad (official source) partner shops carry no deductible; elsewhere the deductible printed on your policy applies. Trip Sagip roadside help comes with the policy, and the Turbo Shield add-on brings loss of use. It ranked 10th by 2025 gross premiums (official source) (all non-life lines, unaudited, IC table of 5 February 2026).

Call (02) 8830-6000Get an online quoteOfficial site

UCPB General Insurance is now Cocogen Insurance, Inc. Certificate of Authority 2025/46-R, on the IC list of licensed insurers as of 31 August 2026 (official source).

What Cocogen Insurance sells

Auto Excel Plus

  • Own damage: collision, overturning, falling objects, fire, malicious acts by others
  • Theft, carnapping or burglary of the car or its parts
  • CTPL up to ₱200,000
  • Voluntary third-party liability: injury above CTPL, and property damage
  • Auto passenger accident cover, per person up to seating capacity
  • Acts of nature
  • Airbag replacement after deployment; standard built-in accessories
  • Trip Sagip roadside assistance
  • Turbo Shield add-on bundle

CTPL

  • Third-party death and bodily injury, up to ₱200,000 per IC Memorandum Circular 2024-01
  • Online from ₱689.40 for a private car, including a ₱129.40 interconnectivity fee (Cocogen CTPL page (official source), October 2026)

RideGuard

  • Motorcycle insurance

Auto Passenger PA Protect

  • Accident cover for the driver and passengers

Buy through: Online, paid through DragonPay, Client Services hotline (02) 8830-6000, Website chat, 34 Cocogen branches, Cocogen agents.

Cocogen Insurance coverage at a glance

Own damage and theft
Included. No deductible when a Gawa Agad (official source) shop does the repair; otherwise the deductible printed on your policy applies (Cocogen FAQ, October 2026).
Excess bodily injury
Included
Third-party property damage
Included
Auto personal accident
Included. Death, disablement and medical reimbursement for the unnamed driver and passengers.
Acts of nature
Optional. Needs Cocogen's approval and an extra premium (Cocogen FAQ (official source), October 2026).
Roadside assistance
Included. Trip Sagip (official source), October 2026: towing ₱5,000 per event up to 3 a year, and vehicle removal up to ₱12,000. Minor on-site repair ₱5,000 per event, hotel ₱4,000 a night for 2 nights, alternative travel up to ₱3,000.
Loss of use
Optional. Part of the Turbo Shield add-on: transport allowance from the 4th day of repairs at a Gawa Agad shop.

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How to file a Cocogen Insurance claim

  1. Before you file, have these ready

    Your policy and the official receipt of the premium, the driver's licence and OR, the CR and OR, photos of the damage, and a police report or driver's affidavit (Cocogen motor claims checklist (official source).pdf)).

  2. File online, at a branch or at a Gawa Agad shop

    Use the online motor claim form (official source), go to a branch, or drive straight to a Gawa Agad shop. After an online filing, the claims team calls within 1 to 2 working days.

  3. Gawa Agad: hand over four papers

    Bring the car with these documents. The shop handles the rest, with free pick-up and delivery during office hours.

    • Policy and its OR
    • Driver's licence and OR
    • CR and OR
    • Police report or driver's affidavit
  4. Carnapping: police first, then Cocogen

    Report to the police, get an alarm sheet from the TMC at Camp Crame, then inform Cocogen.

  5. What a settled claim looks like

    At a Gawa Agad shop, the car comes back repaired with no deductible to pay. Elsewhere, Cocogen agrees the amount and pays. The Insurance Code, Sec. 249 (official source) requires payment within 30 days after proof of loss is received and the loss is agreed. If a claim is denied, the IC standard Private Car Policy (official source) gives one year from the denial to sue, after mediation.

Documents to have ready

8 of 8 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.

Cocogen Insurance contact

Claims hotline
(02) 8830-6000
Phone
(02) 8811-1788
Email
client_services@cocogen.com
Address
22F One Corporate Center, Doña Julia Vargas Ave. cor. Meralco Ave., Ortigas Center, Pasig City 1600
Repair shops
Accredited repair shops

About Cocogen Insurance

Founded
1963
Group
Cocolife (United Coconut Planters Life Assurance Corporation)
Insurer's stated claims time
First call from the claims team within 1 to 2 working days of an online filing

Cocogen Insurance questions

Is Cocogen the same as UCPB General Insurance?

Yes.

UCPB General rebranded as Cocogen Insurance in 2019, and the Insurance Commission lists it as Cocogen Insurance, Inc., formerly UCPB General Insurance Company, Inc. It began in January 1963 as Allied Guarantee Insurance and has been wholly owned by Cocolife since 1989.

Is Cocogen car insurance good?

Cocogen holds Insurance Commission Certificate of Authority 2025/46-R, on the IC list of 31 August 2026 (official source). It ranked 10th by gross premiums (all non-life lines, 2025, unaudited) and runs 34 branches.

Choose Cocogen if a Gawa Agad shop is near you, because repairs there skip the deductible; otherwise compare deductibles across the car insurance directory.

Where are Cocogen's accredited repair shops?

Cocogen's accredited partner shops are its Gawa Agad shops, and its site links a shop locator. Repairs there carry no deductible, and the shop collects and returns the car free during office hours.

How does Cocogen value my car?

From the PIRA Fair Market Value Matrix, updated every six months. A brand-new car is insured at its invoice price.

The premium then follows from that value; see how car insurance is computed.

What is Cocogen Turbo Shield?

An add-on bundle for Auto Excel Plus. It adds road rage protection, loss of use, lockout and key replacement cover, misfuelling cover and a safe driver bonus.

It also waives depreciation on glass, extends casa repair to cars up to 12 years old and covers online shopping. Loss of use is explained in the loss of use guide.

What is Cocogen's client services number?

(02) 8830-6000, or email client_services@cocogen.com. The office line runs Monday to Friday, 8 am to 5 pm; website chat runs daily from 6 am to midnight.

What if I repair my car outside a Gawa Agad shop?

You can, but the deductible printed on your policy then applies to the claim (Auto Excel Plus page (official source), October 2026). Turbo Shield's loss of use also pays only from the 4th day of repairs at a Gawa Agad shop.

Find one with Cocogen's shop locator before you book the repair.

Sources

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