Pacific Union Insurance Comprehensive Car Insurance
Pacific Union Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 155 accredited repair shops and 38 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 15 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
₱17,000–₱41,000/year
Coverage Details
- Bodily injury liability up to ₱149,000 per person
- Excess bodily injury up to ₱198,000
- No-claim discount of up to 19% on renewal
- Personal accident coverage for driver and up to 12 passengers
- Emergency medical reimbursement up to ₱176,000
- Acts of Nature coverage (typhoon, flood, earthquake)
Claims Process
Filing a claim with Pacific Union Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8201-5312 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 13 business days after approval.
Pros & Cons
Pros
- Partners with 19+ hospitals for personal accident claims
- Quick approval for minor claims under ₱328,000
- Claims processing averages 12 business days
- Dedicated relationship manager for policies above ₱172,000
- Flexible payment options including GCash and Maya
Cons
- Online portal lacks some features available in-app only
- Requires minimum 3 repair shop quotes for claims above ₱346,000
- Depreciation rate of 21% per year on vehicle valuation
- No coverage for vehicles older than 17 years