Pioneer Car Insurance

Pioneer Insurance and Surety Corporation

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

Pioneer sells Comprehensive Motor Insurance (official source) online through its InsureShop store, with instant policies for cars up to 10 years old, ride-hailing cars included, and a deductible you choose yourself (October 2026). Acts of nature is an optional extra, EV One (official source) covers electric cars, and claims go to motorclaims@pioneer.com.ph under its claims requirements (official source)1658981769.pdf). Pioneer ranked 1st among non-life insurers by 2025 gross premiums (official source) (all lines, unaudited, IC table of 5 February 2026).

Call (02) 7750-5433 Get an online quote Official site

Licensed by the Insurance Commission, Certificate of Authority 2025/38-R-A, on the IC list of licensed insurers as of 31 August 2026 (official source).

What Pioneer Insurance sells

Comprehensive Motor Insurance

Own damage: collision, overturning, malicious acts, fire, lightning, external explosion
Theft of the whole car or its parts, on fair market value
Excess bodily injury, ₱100,000 to ₱500,000 (online limits, October 2026)
Third-party property damage, ₱100,000 to ₱500,000 (online limits, October 2026)
Passenger accident cover, ₱50,000 a seat (October 2026)
Acts of nature (optional)
Towing at any hour
Extensions: loss of use, personal effects, injury to pets in the car (2022 product sheet (official source))

CTPL

Third-party death and bodily injury, up to ₱200,000 per IC Memorandum Circular 2024-01
Online at ₱637.94 for a private car, taxes and authentication fee included (October 2026 price)

EV One

Electric car cover: batteries, charging equipment and driver-assist systems
Range anxiety cover: towing to a charging station or home, up to ₱2,500, 3 times a policy year (EV One brochure, October 2026)
Loss of use: ₱500 a day for up to 15 days, after a 3-day wait
Acts of nature (optional)

Buy through: InsureShop online, any hour, Pioneer agents, Request a Proposal form on pioneer.com.ph (cars 10 to 15 years old).

Pioneer Insurance coverage at a glance

Own damage and theft: Included. Settled on fair market value. You pick the deductible online; a higher one lowers the premium, and you pay that amount yourself on each own-damage claim.
Excess bodily injury: Included. ₱100,000 to ₱500,000, chosen in the online quote (October 2026).
Third-party property damage: Included. ₱100,000 to ₱500,000, chosen in the online quote (October 2026).
Auto personal accident: Included. ₱50,000 a seat plus medical expenses up to ₱5,000; at least 2 seats (online quote, October 2026).
Acts of nature: Optional. Extra cost. Not offered for some owner addresses.
Roadside assistance: Included. Towing at any hour with the online comprehensive policy.
Loss of use: Optional. Extension: up to ₱7,500 per accident for transport costs while the car is repaired (2022 product sheet (official source)). EV One pays ₱500 a day for up to 15 days after a 3-day wait.

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How to file a Pioneer Insurance claim

Before you email, have these ready
Your policy, the police report or affidavit of accident, a copy of the driver's licence, a copy of the CR and current OR, and photos of the damage with the plate visible.
Notify Pioneer or your agent at once
Email motorclaims@pioneer.com.ph so an adjuster is assigned, or use the File a Claim form on Pioneer's contact page (official source). After office hours, call the AutoRescue line on (02) 8459-4732.
Theft: report within 24 hours
Report the carnapping to the police and the PNP Highway Patrol Group within 24 hours, as Pioneer's claims requirements (official source)1658981769.pdf) ask. The HPG issues a certificate of non-recovery after 90 days.
Flood: tow the car straight to a shop
Tow it to the nearest accredited shop for immediate cleaning, then send the three general documents.
Send the documents
Own damage claims add photos showing the plate.
- Police report or affidavit of accident
- Copy of the driver's licence
- Copy of the CR and current OR
- Photos of the damage with the plate visible
What a settled claim looks like
Pioneer agrees the amount, then pays or approves the repair. The Insurance Code, Sec. 249 (official source) requires payment within 30 days after proof of loss is received and the loss is agreed. Pioneer states no settlement time of its own. If the claim is denied, the IC standard Private Car Policy (official source) asks for mediation first and gives you one year from the denial to sue; a request for reconsideration does not stop that clock.

Documents to have ready

6 of 6 still to gather

Police report or affidavit of accident
Copy of the driver's licence
Copy of the certificate of registration and current official receipt
Photos of the damage with the plate visible
Other driver's licence, repair estimate, photos and certificate of no claim (third-party property damage)
HPG report, complaint sheet, alarm sheet, certificate of non-recovery, original CR and OR, and keys (theft)

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.
Check the participation fee in the coverage list above. The IC motor tariff (official source) default is 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.

Pioneer Insurance contact

Hotline: (02) 7750-5433
Phone: (02) 8812-7777
Email: motorclaims@pioneer.com.ph
Address: Pioneer House BGC, 5th Avenue cor. 26th Street, Bonifacio Global City, Taguig City 1635

About Pioneer Insurance

Founded: 1954
Group: Pioneer Group

Pioneer Insurance questions

Is Pioneer car insurance good?

Pioneer Insurance and Surety Corporation holds Insurance Commission Certificate of Authority 2025/38-R-A, on the IC list of 31 August 2026 (official source), and dates from 1954. It ranked 1st among non-life insurers by gross premiums (all non-life lines, 2025, unaudited).

Line its covers up against the rest in the insurer directory.

Pioneer vs Malayan car insurance: what is the difference?

Pioneer sells online for cars up to 10 years old and lets you choose your deductible. Malayan AutoMaster stops at 8 years and charges a fixed ₱3,000 participation fee (both October 2026).

Choose Pioneer if your car is 9 or 10 years old or you drive for a ride-hailing app; otherwise Malayan's fixed fee makes each claim's cost known in advance.

Does Pioneer insure electric cars?

Yes, through EV One, new in October 2026. It adds range anxiety towing up to ₱2,500 three times a year, plus loss of use at ₱500 a day.

See what else changes for EVs in the electric vehicle insurance guide.

Can I buy Pioneer CTPL online?

Yes, on InsureShop, issued instantly at ₱637.94 for a private car, taxes and authentication fee included (October 2026 price). Online issuance runs Monday to Saturday, 9 am to 7 pm.

Brand-new cars are not accepted online.

Will Pioneer insure a car older than 10 years?

Not online. Cars 10 to 15 years old go through Pioneer's contact channels, such as the Request a Proposal form.

Racing use is excluded.

Should I skip acts of nature on a Pioneer policy?

Only if flood and typhoon damage is a risk you can pay for yourself. Pioneer sells acts of nature as an optional extra, not offered for some owner addresses.

Without it, the IC standard Private Car Policy (official source) excludes flood, typhoon and earthquake damage to your car. Pioneer's claims sheet asks you to tow a flooded car straight to an accredited shop for cleaning.

Sources

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