Commonwealth Car Insurance

Q: What does Commonwealth CTPL pay?

Commonwealth's own FAQ gives a ₱200,000 death benefit for third-party victims. That matches the ₱200,000 limit set by IC Memorandum Circular 2024-01. The CTPL guide explains how a victim claims.

Commonwealth Insurance Company

By Aditya AmanPublished Oct 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

Commonwealth Insurance (CIC) sells one Motor Car Insurance (official source) policy listing own damage, carnapping, acts of nature, bodily injury, property damage, personal accident and third-party liability (motor page, October 2026). You buy and claim through its Makati head office, (02) 8818-7626 loc. 1212, 1214 or 1216, 8:00 am to 5:00 pm; its claims page (official source) lists the documents for each claim type. It states accreditation with almost all Philippine banks and with leasing and financing companies (our company (official source)).

Official site

Licensed by the Insurance Commission as a non-life insurer, on the IC list of licensed insurers as of 31 August 2026 (official source); its site shows a 2025 to 2027 Certificate of Authority.

What Commonwealth Insurance sells

Motor Car Insurance

Own damage
Carnapping
Acts of nature
Bodily injury
Property damage
Personal accident
Third-party liability, including CTPL up to ₱200,000

Buy through: Head office in Makati, 8:00 am to 5:00 pm, Trunkline (02) 8818-7626 loc. 1212, 1214 or 1216.

Commonwealth Insurance coverage at a glance

Own damage and theft: Included. Own damage and carnapping are listed as separate covers.
Excess bodily injury: Included
Third-party property damage: Included
Auto personal accident: Included

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How to file a Commonwealth Insurance claim

Before you call, have these ready
Your policy and its official receipt, the driver's licence, the car's certificate of registration and official receipt, and photos of the damage.
Tell Commonwealth as soon as possible
The IC standard Private Car Policy (official source) asks for notice as soon as possible, with full details. Call (02) 8818-7626 loc. 1212, 1214 or 1216, or direct (02) 8813-8475, 8:00 am to 5:00 pm. For a carnapped car, tell the police at once too. Do not drive the damaged car: further damage before repair is excluded.
Gather Commonwealth's basic claim papers
Commonwealth's claims page (official source) starts every motor claim with the same set.
- Policy and official receipt
- Driver's licence and its official receipt
- Stencil of the motor and chassis numbers
- Repair estimate
- Photos of the damage
- Notarized police report or affidavit of accident
- Certificate of registration and official receipt
For a carnapped car, add the PNP papers
The certificate of non-recovery is issued 60 days after the loss.
- PNP complaint sheet
- PNP alarm sheet
- Certificate of non-recovery
- Car keys
For stolen accessories, add the invoice
Accessories that are not standard or built in need proof of purchase.
- Purchase invoice of the accessories
For a third party's car, add their papers
A property damage claim needs the other owner's records and a no-claim certificate from their insurer.
- Third party's CR and OR
- Third party's licence and OR
- Photos and repair estimate of their car
- Certificate of no claim from the third party's insurer
For injury or death, add the medical records
CTPL injury claims need the hospital papers. Death claims also need the civil records.
- Hospital billing or statement of account
- Medical receipts and medical certificate
- Death, birth and marriage certificates (death claims)
What a settled claim looks like
Commonwealth 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. 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

7 of 7 still to gather

Policy and official receipt
Driver's licence and its official receipt
Stencil of the motor and chassis numbers
Repair estimate
Photos of the damage
Notarized police report or affidavit of accident
Certificate of registration and official receipt

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.
Ask for the participation (deductible) in writing. Unless the insurer states its own figure, the IC motor tariff (official source) sets 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.

Commonwealth Insurance contact

Phone: (02) 8818-7626 loc. 1212, 1214, 1216; direct (02) 8813-8475 or (02) 8403-0848
Address: 35th Floor, Tower 1, The Enterprise Center, 6766 Ayala Ave. corner Paseo de Roxas Ave., Makati City

About Commonwealth Insurance

Founded: 1935

Commonwealth Insurance questions

Is Commonwealth Insurance good?

Commonwealth Insurance Company is on the Insurance Commission's list of licensed non-life insurers as of 31 August 2026 (official source). Its site shows a 2025 to 2027 Certificate of Authority, and it has written insurance since 1935.

Choose Commonwealth if your bank or leasing company accredits it and you are fine dealing by phone with the Makati office; otherwise, for an online quote, compare insurers in the car insurance directory.

How do I get a Commonwealth car insurance quote?

Call the Makati head office at (02) 8818-7626 loc. 1212, 1214 or 1216, 8:00 am to 5:00 pm, or use the contact form on cic.com.ph. There is no online quote tool.

The official site is cic.com.ph; commonwealthinsurance.com.ph is not Commonwealth's.

How much is Commonwealth car insurance?

Commonwealth quotes per car by phone, from the car's value. The IC motor tariff (official source) puts own damage and theft at 1.25% to 3.75% of value and acts of nature from 0.50% (tariff as of 1 January 2015).

Ask for the deductible in writing before you pay. Add the taxes in the premium calculator.

What does Commonwealth CTPL pay?

Commonwealth's own FAQ (official source) gives a ₱200,000 death benefit for third-party victims. That matches the ₱200,000 limit set by IC Memorandum Circular 2024-01.

The CTPL guide explains how a victim claims.

What documents does Commonwealth need for a carnapping claim?

Start with the basic set: policy, licence, CR and OR, photos and police report. Add the PNP complaint and alarm sheets, the certificate of non-recovery and the car keys.

The certificate is issued 60 days after the loss.

Can I cancel a Commonwealth car policy and get a refund?

You can cancel if you have made no claim in the current policy period.

Under the IC standard Private Car Policy (official source), which every insurer must use for policies issued from 1 July 2023 (IMC 2022-02 (official source)), the insurer refunds on short-period rates: it keeps 20% of the premium after 1 month, 50% after 4 months and 95% after 11 months.

If you cancel CTPL, a replacement policy must be filed with the LTO within 5 working days. Line up the new policy first: how to switch insurance providers.

Sources

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