Sterling Car Insurance
Sterling Insurance Company, Incorporated
By Aditya AmanPublished Oct 3, 2026Updated Oct 4, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.Sterling Insurance, a Makati insurer begun in 1960 as First Continental Assurance, sells Motorcar Insurance (official source) for cars, motorcycles, scooters, buses, trailers and road building equipment. The page names four covers: comprehensive, third-party, personal accident and acts of nature. Quotes come from its 40-plus branches or info@sterling-insurance.com.ph, not online.
Licensed as a non-life insurer on the Insurance Commission list of 31 August 2026 (official source). Its official site is sterling-insurance.com.ph, with a hyphen.
What Sterling Insurance sells
Motorcar Insurance
- Comprehensive cover for the insured vehicle
- Third-party liability for death and bodily injury
- Passenger personal accident
- Acts of nature
Buy through: More than 40 Sterling branches and business development offices, Head office in Legaspi Village, Makati, Monday to Friday, 8:00 am to 5:00 pm, Email info@sterling-insurance.com.ph.
Sterling Insurance coverage at a glance
- Own damage and theft
- Included
- Auto personal accident
- Included. Passenger accident cover, named on Sterling's motorcar page
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.
Sterling Insurance contact
- Address
- 191 Salcedo St., Legaspi Village, Makati City
About Sterling Insurance
- Founded
- 1960
- Group
- Professional Investment Group of Dr. Rommel G. Cariño
Sterling Insurance questions
Is Sterling Insurance legit?
Yes. Sterling Insurance Company is on the Insurance Commission's list of non-life insurers with a valid Certificate of Authority as of 31 August 2026 (official source).
Its official site is sterling-insurance.com.ph, with a hyphen; the unhyphenated name is a parked domain.
What is the Sterling Insurance phone number?
Reception is +63 8248-9560 and the email is info@sterling-insurance.com.ph. The head office at 191 Salcedo St., Legaspi Village, Makati opens Monday to Friday, 8:00 am to 5:00 pm.
How much is Sterling car insurance?
Sterling prices each policy on the vehicle, so ask a branch for a quote. The IC motor tariff (official source) has applied since 1 January 2015.
It puts private-car own damage and theft at 1.25% to 3.75% of value a year; acts of nature start at 0.50%. On a ₱1,200,000 SUV that is ₱15,000 to ₱45,000 before acts of nature and taxes.
Test your own car in the premium calculator.
How much is TPL insurance in the Philippines?
CTPL for a private car costs ₱560 for one year, taxes included, under IC Memorandum Circular 4-2006 (official source), still the tariff in 2026. It pays third-party death and injury up to ₱200,000 under IC Memorandum Circular 2024-01 (official source).
The CTPL guide lists the price for every vehicle type.
Can I get a Sterling car insurance quote online?
Sterling has no online quote or purchase. Request one through a branch or info@sterling-insurance.com.ph, or compare insurers with online quotes in the car insurance directory.
How do I file a Sterling car insurance claim?
Contact the branch that issued your policy, or reception at the Makati head office on +63 8248-9560 or info@sterling-insurance.com.ph, weekdays 8:00 am to 5:00 pm. Ask which documents your claim type needs before you send anything.
The claims guide lists the police report, licence and registration papers a motor claim usually takes.
