Prudential Guarantee Comprehensive Car Insurance
Prudential Guarantee offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 279 accredited repair shops and 35 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 13 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱6 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱17,000–₱57,000/year
Coverage Details
- Excess bodily injury up to ₱135,000
- Third-party property damage up to ₱182,000
- No-claim discount of up to 21% on renewal
- Personal accident coverage for driver and up to 7 passengers
- Riot, strike, and civil commotion coverage
- 24/7 roadside assistance within 6 km radius
Claims Process
Filing a claim with Prudential Guarantee involves 4 steps. First, report the incident within 24 hours by calling (02) 8644-4022 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 11 business days after approval.
Pros & Cons
Pros
- Online policy management and renewal portal available
- Quick approval for minor claims under ₱410,000
- Policy issuance within 11 hours for standard applications
- Accepts installment payments up to 14 months interest-free
- Partners with 7+ hospitals for personal accident claims
Cons
- Depreciation rate of 25% per year on vehicle valuation
- Excess coverage requires separate add-on costing ₱197,000/year
- Limited provincial branch coverage outside Metro Manila (15 offices)
- Processing time can reach 18 days for major claims