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Pacific Union Car Insurance

Pacific Union Insurance Company (PUIC)

Aditya Aman, author and expressway expert based in Manila, PhilippinesBy Published Oct 3, 2026Updated Oct 4, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

Pacific Union, founded in 1945 and the first holder of an IC Certificate of Authority, sells one Motor Insurance (official source) policy through its Motor Car Quote Assist form. You pick the excess bodily injury and property damage limits and tick acts of nature yes or no. Claims go by email to its claims centre.

Get an online quoteOfficial site

Licensed under Certificate of Authority 2025/31-R, on the Insurance Commission list of 31 August 2026 (official source).

What Pacific Union Insurance sells

Motor Insurance

  • Own damage: collision, overturning, falling, fire, malicious acts
  • Theft of the car or its accessories
  • Excess bodily injury above the CTPL limit of ₱200,000
  • Third-party property damage
  • Personal accident rider for passengers and driver
  • Acts of nature: typhoon, flood, earthquake, landslide (optional)

Buy through: Motor Car Quote Assist online request, Agents, Bank partners, 21 branches and regional offices, from Baguio to General Santos ([office list](https://puicinsurance.com/our-offices/)).

Pacific Union Insurance coverage at a glance

Own damage and theft
Included. Replaced parts are depreciated once a private car passes the age set in the policy, such as three years
Excess bodily injury
Included
Third-party property damage
Included
Acts of nature
Optional. A yes or no box on the Quote Assist form; without it, typhoon and flood damage is not paid

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How to file a Pacific Union Insurance claim

  1. Gather the checklist for your claim type

    Use Pacific Union's motorcar claims requirements (official source). Own damage needs estimates from at least two motor shops and the original chassis and engine stencils.

    • Police report or notarized driver's affidavit
    • Repair estimates from at least 2 motor shops
    • Original stencils of chassis and engine numbers
  2. Email the claims centre

    Send everything to claimscenter@puicinsurance.com with your full name, policy number, contact number and agent, if any. Email is the claims channel Pacific Union gives.

  3. Expect the deductible to come off

    The deductible is subtracted from each and every compensable claim, so the payout is the approved amount less that figure.

Documents to have ready

8 of 8 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.
  • 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.

Pacific Union Insurance contact

Email
claimscenter@puicinsurance.com
Address
Unit 2401, 24th Floor, Antel Corporate Centre, 121 Valero St., Salcedo Village, Makati City

About Pacific Union Insurance

Founded
1945

Pacific Union Insurance questions

Is Pacific Union a licensed insurer?

Yes. Its current licence is Certificate of Authority 2025/31-R, on the IC list of 31 August 2026 (official source).

Don Aurelio Periquet Sr. founded the company on 5 June 1945. It received Certificate of Authority No. 1 on 21 July 1945, per Pacific Union's history page (official source).

How do I get a Pacific Union car insurance quote?

Fill in Motor Car Quote Assist (official source) with the brand, model, year and fair market value. Then pick the excess bodily injury and property damage limits, and answer yes or no to acts of nature and to a mortgage.

Choose yes to acts of nature if the car is parked or driven in flood-prone areas; otherwise flood damage stays with you. Check the premium you get back.

Does Pacific Union deduct depreciation on parts?

Yes, once a private car passes the age set in the policy, such as three years. A deductible also comes off each claim.

Undeclared upgrades are paid only up to original factory items, so declare them when you buy. More in the own damage guide.

How do I get a Certificate of No Claim from Pacific Union?

Email your full name, policy number and contact number to assistance@puicinsurance.com. The no claims certificate guide explains why a new insurer asks for one.

How do I file a Pacific Union car claim?

By email to claimscenter@puicinsurance.com, with the checklist documents attached. Own damage needs estimates from at least two motor shops and original engine and chassis stencils.

The general claim steps cover the police report.

Sources

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