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Stronghold Car Insurance

Stronghold Insurance Company, Inc.

Aditya Aman, author and expressway expert based in Manila, PhilippinesBy Published Oct 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

Stronghold sells Motor Car Insurance (official source) for private cars, commercial vehicles, motor trade and motorcycles: theft, accident damage and malicious damage by others, with third-party liability as an optional extension. You buy through agents, branches or the Request A Quote form (official source); claims start at a Stronghold office or on (02) 8891-1329 and end with a Letter of Authority to Repair. Founded in 1960 as Mabuhay Insurance & Guaranty, it ranked 5th by 2025 gross premiums (official source) (all non-life lines, unaudited).

Call (02) 8891-1329Official site

Licensed by the Insurance Commission, Certificate of Authority 2025/42-R, on the IC list of licensed insurers as of 31 August 2026 (official source).

What Stronghold Insurance sells

Motor Car Insurance

  • Theft of the car
  • Physical damage from a traffic accident
  • Malicious damage by a third party
  • Liability to third parties for property damage, bodily injury or death (optional extension)
  • Policies for private cars, commercial vehicles, motor trade and motorcycles

Buy through: Request A Quote form on strongholdinsurance.com.ph, Licensed agents and agencies, Stronghold branch offices, Security Bank referral, for its business clients.

Stronghold Insurance coverage at a glance

Own damage and theft
Included. Theft, traffic accident damage and malicious damage by a third party.
Excess bodily injury
Optional. Optional extension for bodily injury or death of third parties; limits set in your policy.
Third-party property damage
Optional. Optional extension.

Compare every insurer.

How to file a Stronghold Insurance claim

  1. Before you report, have these ready

    A copy of your policy and the official receipt of the premium, the driver's licence and the car's certificate of registration with their receipts, and photos of the damage.

  2. Get a police report

    Report the accident at the nearest police station and ask for the report.

  3. Take the other side's details

    Note the other driver and owner, and the name of their insurer.

  4. Report to Stronghold

    Go to the nearest Stronghold office or call (02) 8891-1329 to 37, and collect the claim forms. You can also use the online Report A Claim form on Stronghold's claims page (official source).

  5. Submit the documents

    Stronghold uses them to process the claim and issue the Letter of Authority to Repair. Once you hold that letter, the shop can start work.

    • Police report
    • Driver's statement or affidavit
    • Driver's licence with OR
    • Certificate of registration with OR
    • Photos of the damage
    • Copy of the policy and the premium OR
    • Stencil of the motor and chassis numbers
    • Repair estimate
  6. What a settled claim looks like

    Stronghold 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. Stronghold 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

10 of 10 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.

Stronghold Insurance contact

Claims hotline
(02) 8891-1329
Phone
0917-805-0725
Address
17/F Security Bank Centre, 6776 Ayala Avenue, Makati City

About Stronghold Insurance

Founded
1960

Stronghold Insurance questions

How much is Stronghold car insurance?

Stronghold quotes each car after you send the Request A Quote form or speak to an agent. The Insurance Commission tariff puts own damage and theft at 1.25% to 3.75% of the car's value (tariff as of 1 January 2015).

Estimate yours with the premium calculator.

What does Stronghold car insurance cover?

Theft, physical damage from a traffic accident, and malicious damage by a third party (Stronghold motor page (official source), October 2026). Liability for damage or injury to other people is an optional extension.

Choose Stronghold if you want an agent or branch to handle the policy in person; otherwise, if you want to buy online, compare insurers with an online quote in the directory.

What are Stronghold's claim requirements?

Stronghold's claims page (official source) asks for a police report, the driver's affidavit, licence and registration with their receipts, and photos of the damage.

Add the policy, a stencil of the motor and chassis numbers and a repair estimate; third-party claims need a certificate of no claim. The general sequence is in how to file a car insurance claim.

Is Stronghold Insurance good?

Stronghold holds Insurance Commission Certificate of Authority 2025/42-R, on the IC list of 31 August 2026 (official source), and is Filipino-owned (company history (official source)). It ranked 5th by gross premiums (all non-life lines, 2025, unaudited), just above Standard Insurance.

Can I buy Stronghold insurance through Security Bank?

Security Bank refers its business clients to Stronghold, motor car cover included. After payment, the e-copy of the policy arrives within 3 banking days.

What happens if I skip Stronghold's third-party liability extension?

Your CTPL still pays third-party death and injury up to ₱200,000 under IC Memorandum Circular 2024-01 (official source).

Above that, and for damage to another person's car or property, the IC standard Private Car Policy (official source) pays only under its excess liability section, which is the extension you skipped. How the layers fit: third-party liability.

Sources

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