Corporate Guarantee Car Insurance
Corporate Guarantee and Insurance Company, Inc.
By Aditya AmanPublished Oct 3, 2026Updated Oct 4, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.Corporate Guarantee (CGIC), a Laus Group insurer based beside Carworld in San Fernando, Pampanga, lists six covers on its motor page (official source): CTPL, own damage and theft, voluntary bodily injury and property damage, passenger accident and acts of nature. Its branches run from Ilocos Norte to Metro Manila. Parts are depreciated on claims once the car is over 3 years old.
Call +63 918 854 2267Official site
Licensed as a non-life insurer on the Insurance Commission list of 31 August 2026 (official source); first licensed on 25 July 1997.
What Corporate Guarantee Insurance sells
Motor Insurance
- CTPL, up to ₱200,000 under IC Memorandum Circular 2024-01 (official source)
- Own damage and theft: accident damage to the car, its accessories and spare parts, and theft or carnapping
- Voluntary third-party liability for bodily injury, in excess of CTPL
- Voluntary third-party liability for property damage
- Unnamed passenger personal accident: death, injury and medical reimbursement for anyone riding in the car
- Acts of nature: damage from natural calamities
Buy through: Inquire Now form on corporateguarantee.com.ph, Online payment page, Branches in Pampanga, Bulacan, Ilocos Norte, La Union, Pangasinan, Tarlac and Metro Manila, Sales +63 918 854 2913.
Corporate Guarantee Insurance coverage at a glance
- Own damage and theft
- Included. Standard accessories are covered; extra accessories must be declared. Depreciation applies after 3 years.
- Excess bodily injury
- Included
- Third-party property damage
- Included
- Auto personal accident
- Included. Anyone riding in the car.
How to file a Corporate Guarantee Insurance claim
- Report the incident
Call the Claims Center on +63 918 854 2267, +63 918 854 2070 or +63 918 854 5085, listed on CGIC's motor page (official source). Have the policy number and the driver's details ready.
- Show the damage or loss
Provide evidence of the damage or the loss to support the report.
- Fill in the claim form
CGIC then investigates and decides the amount it pays under your policy. A breach of the policy's Authorized Driver Clause means the policy does not respond.
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.
Corporate Guarantee Insurance contact
- Claims hotline
- +63 918 854 2267
- Address
- Own building beside Carworld, City of San Fernando, Pampanga
About Corporate Guarantee Insurance
- Founded
- 1997
- Group
- Laus Group of Companies
Corporate Guarantee Insurance questions
Is Corporate Guarantee Insurance legit?
Yes. Corporate Guarantee and Insurance Company is on the Insurance Commission's list of licensed non-life insurers as of 31 August 2026 (official source).
It registered with the SEC on 19 June 1997 and received its insurance licence on 25 July 1997, per CGIC's about page (official source).
What does CGIC car insurance cover?
Six coverages: CTPL, own damage and theft, voluntary bodily injury, voluntary property damage, unnamed passenger personal accident and acts of nature. Each is explained in the third-party liability guide and the own damage guide.
How much is a CGIC premium?
CGIC quotes through its Inquire Now form, branches and agents, based on your car. The IC motor tariff (official source), in force since 1 January 2015, puts private-car own damage and theft at 1.25% to 3.75% of value a year.
For a ₱650,000 hatchback that is ₱8,125 to ₱24,375 before acts of nature and taxes. Run your own numbers in the premium calculator.
Does depreciation apply to my CGIC claim?
Yes, once the car is over 3 years old, per CGIC's FAQ (official source). The rate schedule is in the Motor Car policy form, so ask for it before you buy.
Extra accessories you did not declare are not covered; standard ones are.
Does my CGIC policy transfer when I sell the car?
No. The policy does not move to the buyer on its own. The seller sends CGIC a written request, and the transfer counts only once CGIC approves it and issues an endorsement.
Until then, the buyer drives without this cover. The switching guide covers the next steps.
What is the Corporate Guarantee claims number?
The Claims Center takes calls on +63 918 854 2267, +63 918 854 2070 and +63 918 854 5085. Client Care is +63 999 885 3986, Monday to Saturday, 8:00 AM to 5:00 PM.
Is my CGIC policy valid if someone else drives my car?
Yes, if that person drives with your permission and the policy's Authorized Driver Clause is not violated, per CGIC's FAQ. If the clause is broken, the policy does not respond to the claim.
