Comprehensive

Fortune General Insurance Comprehensive Car Insurance

Fortune General Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱20,000/year. With over 277 accredited repair shops and 39 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 14 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱8 million.

Annual Premium

₱20,000–₱57,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Personal accident coverage for driver and up to 12 passengers

Riot, strike, and civil commotion coverage

Emergency medical reimbursement up to ₱431,000

Bodily injury liability up to ₱157,000 per person

Free towing up to ₱425,000 per incident

Claims Process

Filing a claim with Fortune General Insurance involves 6 steps. First, report the incident within 24 hours by calling (02) 8776-4695 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 15 business days after approval.

Pros & Cons

Advantages

Online policy management and renewal portal available
Mobile app available for iOS and Android with claims tracking
Claims processing averages 8 business days
Accredited in over 6 repair shops across the Philippines
Free annual vehicle inspection at partner service centers

Drawbacks

Customer service wait times average 18 minutes during peak
Premium increases by 11% after a claim within 12 months
Processing time can reach 7 days for major claims
Depreciation rate of 26% per year on vehicle valuation

Frequently Asked Questions

Can I pay Fortune General Insurance premiums in installments?

Fortune General Insurance offers installment payment plans of up to 8 months for annual premiums above ₱279,000. Monthly payments include a small processing fee of 16%. Credit card, bank transfer, GCash, and Maya are accepted.

Does Fortune General Insurance cover Acts of Nature?

Yes, Fortune General Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱332,000 per incident. This is especially important given the country averages 13 typhoons per year.

What is the minimum premium for Fortune General Insurance?

The minimum annual premium for Fortune General Insurance starts at ₱385,000 for basic plans. This rate applies to vehicles valued under ₱542,000. Additional coverage options may increase the total premium.

What vehicles does Fortune General Insurance not cover?

Fortune General Insurance does not cover vehicles older than 14 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 5 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 20% surcharge.

Does Fortune General Insurance offer a no-claim discount?

Fortune General Insurance provides a no-claim discount of up to 24% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 5 consecutive claim-free years. The maximum cumulative discount reaches 38%.

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