Petrogen Car Insurance

Petrogen Insurance Corporation

By Aditya AmanPublished Oct 3, 2026Updated Oct 4, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

Petrogen is the captive insurer of San Miguel Corporation (official source), based at San Miguel Properties Centre in Mandaluyong. Its motor car page (official source) names two products, CTPL and Comprehensive Motor Car Insurance, without listing covers or prices. To ask about a policy, call client servicing on (02) 8702-4956.

Call (02) 8702-4972 Official site

Licensed under Certificate of Authority 2025/74-R, on the Insurance Commission list of 31 August 2026 (official source).

What Petrogen Insurance sells

Compulsory Third Party Liability (CTPL)

Third-party death or bodily injury, up to ₱200,000 under IC Memorandum Circular 2024-01 (official source)

Comprehensive Motor Car Insurance

Buy through: Client servicing: (02) 8702-4956, 8702-4965 or 8702-4973.

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.

Petrogen Insurance contact

Claims hotline: (02) 8702-4972
Phone: (02) 8702-4956, 8702-4965 or 8702-4973 (client servicing)
Email: customercare@sanmiguel.com.ph
Address: San Miguel Properties Centre, 7 St. Francis Street, Mandaluyong City

About Petrogen Insurance

Group: San Miguel Corporation (captive insurer)

Petrogen Insurance questions

Who owns Petrogen Insurance?

Petrogen calls itself the captive insurer of San Miguel Corporation on its home page (official source). A captive is an insurer a business group owns to cover its own risks.

Its office is at San Miguel Properties Centre in Mandaluyong.

Is Petrogen a licensed insurer?

Yes. It holds non-life Certificate of Authority 2025/74-R on the IC list of 31 August 2026 (official source).

It ranked 12th with ₱3.54 billion in gross premiums for 2025 (all non-life lines, unaudited), per the IC ranking (official source).

Does Petrogen sell car insurance?

Its motor page lists CTPL and Comprehensive Motor Car Insurance. Ask client servicing on (02) 8702-4956, 8702-4965 or 8702-4973 about terms.

CTPL on its own is ₱560 a year for a private car. That premium comes from IC Memorandum Circular 4-2006 (official source), still in force in 2026.

See the CTPL guide.

What is the Petrogen claims hotline?

The claims department takes calls on (02) 8702-4972 and 8702-4976, per Petrogen's contact page (official source). San Miguel customer care is on (02) 8632-3000 or toll-free 1-800-1888-7621.

The claims guide lists the usual motor claim papers.

Can anyone buy Petrogen car insurance?

Petrogen's site has no quote form or retail buying channel, and it presents itself as San Miguel's in-house insurer. Call client servicing to ask whether it will write your car.

If it will not, the car insurance hub lists insurers that take quote requests from the public.

Sources

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