FPG Insurance Comprehensive Car Insurance
FPG Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱20,000/year. With over 133 accredited repair shops and 22 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 ₱6 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱20,000–₱57,000/year
Coverage Details
- Glass breakage and windshield repair coverage
- Loss of use allowance of ₱1,500/day for up to 6 days
- Emergency medical reimbursement up to ₱84,000
- Free towing up to ₱80,000 per incident
- Third-party property damage up to ₱76,000
Claims Process
Filing a claim with FPG Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8358-7022 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 6 business days after approval.
Pros & Cons
Pros
- Claims processing averages 16 business days
- Flexible payment options including GCash and Maya
- Free annual vehicle inspection at partner service centers
- Provides courtesy car for up to 15 days during repairs
- Offers no-claim discount of up to 14% after 1 year
Cons
- Depreciation rate of 13% per year on vehicle valuation
- Customer service wait times average 10 minutes during peak
- Online portal lacks some features available in-app only
- No coverage for vehicles older than 10 years