FGen Insurance (Fortune General) Car Insurance
Fortune General Insurance Corporation
By Aditya AmanPublished Oct 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.FGen sells Motor Comprehensive Insurance (official source) for private cars, commercial vehicles and motorcycles, with acts of nature and auto personal accident as optional covers (motor page, October 2026). Its private car policy wording (official source) (2025 upload) sets a deductible of 0.50% of the car's fair market value, at least ₱2,000, on each loss. Motor claims go to (02) 8991-0364, the online claim form (official source) or the nearest branch, and it keeps a list of accredited non-dealer shops (official source) updated May 2026.
Call (02) 8991-0364Official 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).
What FGen Insurance (Fortune General) sells
Motor Comprehensive Insurance
- Own damage and theft: collision or overturning, fire, external explosion, self-ignition, lightning, burglary, theft, malicious act and transit, including loading and unloading
- Bodily injury in excess of CTPL, up to the schedule limit
- Third-party property damage, up to the schedule limit
- Acts of nature: typhoon, flood, earthquake or other natural causes (optional)
- Auto personal accident for the driver and passengers (optional)
CTPL
- Third-party death and bodily injury, up to ₱200,000 per IC Memorandum Circular 2024-01
Buy through: Request for a quote form on the motor page (vehicle details, market value, dashcam), Shop page on fgeninsurance.com, FGen agents and branches.
FGen Insurance (Fortune General) coverage at a glance
- Own damage and theft
- Included. Deductible 0.50% of fair market value, minimum ₱2,000, each loss; parts depreciated once the car is over 3 years old (private car policy (official source), 2025 wording).
- Excess bodily injury
- Included
- Third-party property damage
- Included
- Auto personal accident
- Optional
- Acts of nature
- Optional. Excluded from the base policy; bought as an added cover (motor page, October 2026). Without it, flood, typhoon and earthquake damage to your car is not paid.
How to file an FGen Insurance (Fortune General) claim
- Before you call, have these ready
Your policy, the latest certificate of registration and official receipt, your driver's licence, and photos of the damage with the plate number showing.
- Report the claim
File on the online claim form (official source), call the motor claims line (02) 8991-0364, or go to the nearest branch (claims page (official source)). Report as soon as possible, and tell the police at once for a stolen car. Do not drive the damaged car: further damage before repair is excluded.
- Send the own damage documents
Repair estimates are optional at this stage.
- Police report, notarized affidavit of the driver, or Motor Vehicle Report Form
- Latest CR and OR
- Driver's licence
- Photos of the damage showing the plate
- Repair estimates (optional)
- For damage to another car, send both sets
Third-party property damage needs the own-damage papers for you and for the other owner, plus their insurer's no-claim certificate.
- Certificate of no claim
- For injury or death, add the medical papers
Bodily injury and death claims need the medical and civil records with the police report.
- Medical certificate
- Hospital bills and medical receipts
- Death certificate or post-mortem report
- Funeral receipt
- Proof of filiation
- Pictures
- What a settled claim looks like
FGen 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
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.
FGen Insurance (Fortune General) contact
- Claims hotline
- (02) 8991-0364
- Address
- 4/F Citystate Centre, 709 Shaw Boulevard, Pasig City
- Repair shops
- Accredited repair shops
About FGen Insurance (Fortune General)
- Founded
- 1955
- Group
- ALC Group of Companies
FGen Insurance (Fortune General) questions
Is Fortune General Insurance good?
Fortune General is on the Insurance Commission's list of licensed non-life insurers as of 31 August 2026 (official source) and was incorporated on 13 June 1955 (about FGen (official source)). It belongs to the ALC Group.
Choose FGen if you want a published deductible and an accredited shop list before you buy; otherwise, if you need roadside assistance in the policy, compare insurers that list it in the car insurance directory.
What is the deductible on an FGen car policy?
0.50% of the car's fair market value, with a minimum of ₱2,000, for each and every loss, per FGen's private car policy (official source) (2025 wording). On a ₱1,000,000 car: 0.50% x ₱1,000,000 = ₱5,000 per claim.
On a ₱300,000 car, 0.50% is ₱1,500, so the ₱2,000 minimum applies.
How does FGen depreciate replacement parts?
Nothing for cars up to 3 years old. After that you pay part of each replaced part: 20% at 3 to 4 years and 25% at 4 to 5.
It is 30% at 5 to 6, 35% at 6 to 7 and 40% over 7. Batteries, tires, ball joints, tie rods and shock absorbers are 45% once the car is over 3 years old.
These shares come from the private car policy (official source) (2025 wording). Under the IC standard Private Car Policy (official source), a total loss is settled without them.
Does FGen cover flood and riots?
The base policy excludes flood, typhoon, earthquake, strikes, riots and civil commotion, except under third-party liability. Acts of nature can be added as an optional cover; the product page offers no riot cover (October 2026).
If you skip acts of nature, a flooded or typhoon-hit car is not paid under own damage. The acts of nature guide explains the add-on.
Where are FGen's accredited repair shops?
FGen keeps a list of accredited non-dealer shops (official source), updated May 2026. Ask the claims line at (02) 8991-0364 which shop near you is on it.
How do I file an FGen motor claim?
File on the online claim form (official source) or call (02) 8991-0364. Send the police report, notarized affidavit or Motor Vehicle Report Form, your latest CR and OR, licence and photos of the damage with the plate.
The claims guide walks through the steps.
Sources
- FGen motor car insurance (official source)
- FGen private car policy wording (official source)
- FGen claims (official source)
- FGen accredited non-dealer shops, May 2026 (official source)
- About FGen (official source)
- FGen home (official source)
- IC licensed insurers, 31 Aug 2026 (official source)
- IC standard Private Car Policy (Annex A, IMC 2022-02) (official source)
- Insurance Code as amended by RA 10607 (official source)
- IC motor tariff (official source)
- FGen online claim form (official source)
