PGA Sompo Insurance Comprehensive Car Insurance
PGA Sompo Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱18,000/year. With over 300 accredited repair shops and 22 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 ₱4 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱18,000–₱44,000/year
Coverage Details
- Excess bodily injury up to ₱141,000
- Loss of use allowance of ₱1,000/day for up to 16 days
- Own Damage and Theft (OD/T) coverage up to ₱193,000
- Emergency medical reimbursement up to ₱134,000
Claims Process
Filing a claim with PGA Sompo Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8187-1587 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 8 business days after approval.
Pros & Cons
Pros
- Mobile app available for iOS and Android with claims tracking
- Free annual vehicle inspection at partner service centers
- Online policy management and renewal portal available
- Partners with 6+ hospitals for personal accident claims
- Dedicated relationship manager for policies above ₱478,000
Cons
- Excess coverage requires separate add-on costing ₱385,000/year
- Deductible starts at ₱430,000 for first-time claims
- Requires minimum 3 repair shop quotes for claims above ₱493,000
- Online portal lacks some features available in-app only