Fortune General Insurance Comprehensive Car Insurance
Fortune General Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱20,000/year. With over 277 accredited repair shops and 39 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 14 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱8 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱20,000–₱57,000/year
Coverage Details
- Personal accident coverage for driver and up to 12 passengers
- Riot, strike, and civil commotion coverage
- Emergency medical reimbursement up to ₱431,000
- Bodily injury liability up to ₱157,000 per person
- Free towing up to ₱425,000 per incident
Claims Process
Filing a claim with Fortune General Insurance involves 6 steps. First, report the incident within 24 hours by calling (02) 8776-4695 or through the mobile app. Submit the required documents — police report, photos, and your policy details — within 5 business days. A claims adjuster will inspect the vehicle within 3 business days of document submission. Standard claims are settled within 15 business days after approval.
Pros & Cons
Pros
- Online policy management and renewal portal available
- Mobile app available for iOS and Android with claims tracking
- Claims processing averages 8 business days
- Accredited in over 6 repair shops across the Philippines
- Free annual vehicle inspection at partner service centers
Cons
- Customer service wait times average 18 minutes during peak
- Premium increases by 11% after a claim within 12 months
- Processing time can reach 7 days for major claims
- Depreciation rate of 26% per year on vehicle valuation