In short
Malayan, Standard Insurance and Bethel ask for the original. To get one, send your full name, policy number and contact number to your insurer.
- Who issues it
- Your own insurer, the insurer of the damaged car
- Who asks for it
- The other driver's insurer, in a third-party property damage claim
- Can the insurer require it
- Yes, per IC Legal Opinion 2020-06 of 7 August 2020; the claim can wait until it arrives
- Form
- Original copy (Malayan, Standard Insurance, Bethel claim lists, October 2026)
- What to send to request it
- Full name, policy number, contact number (Pacific Union)
- Pays out under
- The other driver's third-party property damage cover
- Insurer payment deadline
- 30 days after proof of loss and the amount is agreed (Insurance Code, Sec. 249, as amended by RA 10607 in 2013)
When you need a certificate of no claim
You need it in one situation: another vehicle hit yours, and you claim the repair from the other driver's insurer instead of your own. Insurers call this a third-party property damage claim.
Your claim is paid from the other driver's property damage cover, so its limit matters. The Insurance Commission motor tariff (official source), as of 1 January 2015, prices that cover at limits from ₱50,000 to ₱1,000,000.
If you claim under your own policy instead, the certificate is not on the list. Your own claim follows the documents in how to file a car insurance claim, less your deductible.
A claim after a hit-and-run also stays on your own policy, because there is no other insurer to send it to.
| Insurer | How its claim list names it |
|---|---|
| Malayan Insurance | Original copy of Certificate of No Claim from the Third Party Insurer |
| Standard Insurance | Original Certificate of No Claim from Insurer |
| Bethel General Insurance | Original Certificate of No Claim from the insurer of the adverse party |
| Stronghold Insurance | Certificate of No Claim from the insurer of the adverse party |
| AXA Philippines | Certificate of No Claim from Third Party Insurer, if a third-party vehicle is involved |
| OONA Insurance | Certificate of no claim from the third party's insurer |
| Pioneer Insurance | Certificate of No Claim from the third party's insurance company |
| Alpha Insurance | Certificate of No Claim, in the third party damage claim list |
| Prudential Guarantee | Certificate of no claim, among the third-party vehicle documents |
How to get a certificate of no claim from your insurer
The request goes to the insurer named on your own policy, not to the insurer of the driver who hit you.
Pacific Union (official source) is the one insurer with a written process: email your full name, policy number and contact number to its assistance address. Send the same three details to any other insurer's claims desk, listed further down.
- Get the police report
Stronghold's claim steps start at the nearest police station. BPI MS requires a police report for substantial third-party damage claims.
- Police report
- Driver's affidavit of the accident
- Take the other driver's details
Write down the plate number, make, model and colour, the driver's licence and contact, and the name of their insurer.
- Other driver's licence and OR
- Other car's CR and OR
- Ask your own insurer for the certificate
Email your full name, policy number and contact number. Ask for the original, since three insurers will not take a photocopy. This step is done when the original certificate is in your hands.
- Your policy number
- File with the other driver's insurer
Submit the original certificate with the repair estimate, photos showing the plate and the stencils of the motor and chassis numbers. The insurer's reply is a Letter of Authority to repair or a cash offer.
- Certificate of No Claim (original)
- Repair estimate
- Photos of the damage
- Stencils of motor and chassis numbers
3 of 3 still to check
Where to request it: insurer claims contacts
Use the contact of the insurer on your own policy. Keep your policy number ready, since every insurer below files requests by it.
| Your insurer | Phone | |
|---|---|---|
| Pacific Union | – | assistance@puicinsurance.com (certificate requests) |
| Malayan Insurance | (02) 8628-8628 | csc@malayan.com |
| BPI MS | (02) 8840-9999 or (02) 8840-9966 | bpimsclaims@bpims.com |
| OONA Insurance | (02) 8876-4400 | fnolclaims@oona-insurance.com.ph |
| AXA Philippines | (+63) 2 8459 4735 | oneclaims@axa.com.ph |
| Bethel General Insurance | 0948 935 9950 | claims@bethelgen.com |
| Pioneer Insurance | – | motorclaims@pioneer.com.ph |
| Cocogen Insurance | (02) 8830-6000 | client_services@cocogen.com |
AXA's line above is for policies that took effect on or after 15 November 2024. Older AXA policies use (+63) 2 5318 8438.
What happens after you file with the other insurer
The other driver's insurer evaluates the documents and issues either a Letter of Authority to repair or a cash settlement offer. Stronghold and Prudential Guarantee both describe this step.
The Insurance Code, as amended by RA 10607 (official source), sets the clock in Sec. 249. A non-life insurer pays within 30 days after it receives proof of loss and the amount is agreed.
If the amount is still not agreed 60 days after proof of loss, payment is due within 90 days of receipt.
If it refuses or stalls, take the case to the Insurance Commission (official source) Public Assistance and Mediation Division: (02) 8523-8461 local 103 or 127. The steps are in how to file a car insurance claim.
Is there a no-claims discount on car insurance in the Philippines?
A certificate of no claim is a claim document, not a discount voucher. It does not lower your own renewal price.
The renewal discount is the no claim bonus, and IC Circular Letter 15-92 (official source) bars insurers from refusing it. AXA also states a telematics reduction in writing.
Its Connected Toyota Insure (official source) takes up to 25% off the renewal premium for a good driving score. Other ways to bring a renewal price down are in how to switch or renew your car insurance.
- Product
- AXA Connected Toyota Insure (telematics, sold through Toyota dealers)
- Renewal reduction
- Up to 25% for a good driving score
- Models
- RAV4, Hilux, Hi-Ace, Corolla Altis, Alphard, Fortuner, Innova Zenix