Prudential Guarantee Car Insurance
Prudential Guarantee and Assurance, Inc.
By Aditya AmanPublished Oct 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.Prudential Guarantee (PGAI) sells its Auto Insurance Program for privately used cars: own damage, excess bodily injury above CTPL and third-party property damage, with free roadside help nationwide at any hour on (02) 8459-4734. Claims start on the motor claims line, (02) 8806-6089, and end with a Letter of Authority to repair or a cash settlement offer from a claims examiner. PGAI ranked 2nd among non-life insurers by 2025 gross premiums (official source) (all lines, unaudited, IC table of 5 February 2026). You buy through an agent or broker, or by calling (0917) 842-7424.
Licensed by the Insurance Commission, Certificate of Authority 2025/64-R, on the IC list of licensed insurers as of 31 August 2026 (official source).
What Prudential Guarantee sells
Auto Insurance Program
- Own damage
- Excess bodily injury, paying above CTPL
- Third-party property damage
- Free roadside help: towing, vehicle retrieval, minor on-site repair, ambulance dispatch
CTPL
- Third-party death and bodily injury, up to ₱200,000 per IC Memorandum Circular 2024-01
Buy through: Agents and brokers, Inquiry by phone on (0917) 842-7424, Inquiry by email to customercare@prudentialguarantee.com.
Prudential Guarantee coverage at a glance
- Own damage and theft
- Included
- Excess bodily injury
- Included. Voluntary cover that pays above CTPL.
- Third-party property damage
- Included
- Roadside assistance
- Included. Free and nationwide at any hour, for privately used cars with comprehensive cover (Auto Insurance Program page, October 2026). Towing to the nearest repair facility, retrieval, tyre change, battery boost, lockout and fuel delivery (you pay for the fuel). Outside Metro Manila it adds alternative transport and an overnight hotel.
How to file a Prudential Guarantee claim
- Before you call, have these ready
Your policy, the car's certificate of registration and official receipt, the driver's licence and its official receipt, and photos of the damage and of the whole car with the plate visible.
- Report the accident
Call the motor claims line on (02) 8806-6089 or email motorcar.claims@prudentialguarantee.com. The IC standard Private Car Policy (official source) asks for notice as soon as possible, with full details; for a carnapped car, tell the police at once too.
- File the documents at the Claims Department
Hand them to the receiving section of PGAI's Claims Department. It stamps your papers, and once they are encoded you get a claim number: that number means the file is open.
- Policy
- Police report or notarized affidavit of the driver
- Photocopy of the CR and OR
- Photocopy of the driver's licence and OR
- Photos of the damage and the whole car with the plate visible
- Repair estimate
- Get a Letter of Authority or a cash offer
A claims examiner reviews the file, then issues a Letter of Authority to repair or a cash settlement offer. A Letter of Authority means the shop can start work.
- Let a partner shop help
PGAI partner shops can help gather the documents and carry out the repair.
- What a settled claim looks like
PGAI 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. PGAI 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
8 of 8 still to gather
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.
Prudential Guarantee contact
- Claims hotline
- (02) 8806-6089
- Address
- Coyiuto House, 119 Carlos Palanca St., Legaspi Village, Makati City 1229
Prudential Guarantee questions
Is Prudential Guarantee car insurance good?
PGAI holds Insurance Commission Certificate of Authority 2025/64-R, on the IC list of 31 August 2026 (official source). It ranked 2nd by gross premiums (all non-life lines, 2025, unaudited), behind Pioneer.
Choose PGAI if free roadside help at any hour matters and you buy through an agent or broker; otherwise, if you want to buy and pay online, compare insurers with an online quote in the car insurance directory.
Will Prudential Guarantee pay the other car after an accident?
Yes, when your policy carries third-party property damage cover. The other driver supplies their registration, licence, photos, repair estimate and a certificate of no claim from their own insurer.
How these covers split: third-party liability.
What is the participation fee on Prudential Guarantee car insurance?
It is printed on your policy schedule; PGAI does not state its own figure. The IC standard Private Car Policy (official source) sets the deductible at 0.50% of the insured fair market value, minimum ₱2,000, per loss.
You pay it on each own-damage claim, so a small dent below it is yours to fix.
How much is Prudential Guarantee CTPL?
CTPL is priced by the Insurance Commission, not the insurer: ₱560 for one year on a private car, ₱1,610 for three, under IC Memorandum Circular 4-2006. It pays up to ₱200,000 under IC Memorandum Circular 2024-01.
More in the CTPL guide.
Does Prudential Guarantee have accredited repair shops?
Yes. PGAI keeps a list of accredited shops and adjusters, and its partner shops help with claim papers and repairs.
The list dates from 2018, so confirm your shop with the claims line on (02) 8806-6089.
Can I cancel Prudential Guarantee car insurance and get a refund?
Yes, if you have made no claim in the current policy period.
Under the IC standard Private Car Policy (official source), which every insurer uses for policies issued from 1 July 2023, a cancelling owner is refunded on short-period rates: the insurer keeps 20% of the premium after 1 month, 50% after 4 months and 95% after 11 months.
If you cancel CTPL, a replacement policy must be filed with the LTO within 5 working days. Line up the new cover first: how to switch insurance providers.
