UCPB General Insurance Comprehensive Car Insurance
UCPB General Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱15,000/year. With over 180 accredited repair shops and 27 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 9 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
₱15,000–₱37,000/year
Coverage Details
- Authorized repair shops across 20 locations nationwide
- Riot, strike, and civil commotion coverage
- Bodily injury liability up to ₱427,000 per person
- Own Damage and Theft (OD/T) coverage up to ₱391,000
- Fire and lightning damage protection
Claims Process
Filing a claim with UCPB General Insurance involves 5 steps. First, report the incident within 24 hours by calling (02) 8456-2279 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 8 business days after approval.
Pros & Cons
Pros
- 24/7 customer hotline with average hold time under 19 minutes
- Quick approval for minor claims under ₱424,000
- Coverage extends to natural calamities common in PH
- Accepts installment payments up to 16 months interest-free
- Provides courtesy car for up to 12 days during repairs
Cons
- Processing time can reach 18 days for major claims
- No coverage for vehicles older than 17 years
- Limited provincial branch coverage outside Metro Manila (17 offices)
- Depreciation rate of 17% per year on vehicle valuation