SGI Philippines Comprehensive Car Insurance
SGI Philippines offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 167 accredited repair shops and 38 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 8 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱5 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱17,000–₱62,000/year
Coverage Details
- Authorized repair shops across 13 locations nationwide
- Own Damage and Theft (OD/T) coverage up to ₱283,000
- Emergency medical reimbursement up to ₱75,000
- Fire and lightning damage protection
- Free towing up to ₱142,000 per incident
Claims Process
Filing a claim with SGI Philippines involves 4 steps. First, report the incident within 24 hours by calling (02) 8092-5097 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 12 business days after approval.
Pros & Cons
Pros
- 24/7 customer hotline with average hold time under 6 minutes
- Partners with 19+ hospitals for personal accident claims
- Quick approval for minor claims under ₱387,000
- Policy issuance within 17 hours for standard applications
- Online policy management and renewal portal available
Cons
- Customer service wait times average 3 minutes during peak
- Excess coverage requires separate add-on costing ₱78,000/year
- Depreciation rate of 15% per year on vehicle valuation
- No coverage for vehicles older than 4 years