Comprehensive

FPG Insurance Comprehensive Car Insurance

FPG Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱20,000/year. With over 133 accredited repair shops and 22 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 ₱6 million.

Annual Premium

₱20,000–₱57,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Glass breakage and windshield repair coverage

Loss of use allowance of ₱1,500/day for up to 6 days

Emergency medical reimbursement up to ₱84,000

Free towing up to ₱80,000 per incident

Third-party property damage up to ₱76,000

Claims Process

Filing a claim with FPG Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8358-7022 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 6 business days after approval.

Pros & Cons

Advantages

Claims processing averages 16 business days
Flexible payment options including GCash and Maya
Free annual vehicle inspection at partner service centers
Provides courtesy car for up to 15 days during repairs
Offers no-claim discount of up to 14% after 1 year

Drawbacks

Depreciation rate of 13% per year on vehicle valuation
Customer service wait times average 10 minutes during peak
Online portal lacks some features available in-app only
No coverage for vehicles older than 10 years

Frequently Asked Questions

What is the minimum premium for FPG Insurance?

The minimum annual premium for FPG Insurance starts at ₱60,000 for basic plans. This rate applies to vehicles valued under ₱535,000. Additional coverage options may increase the total premium.

Can I pay FPG Insurance premiums in installments?

FPG Insurance offers installment payment plans of up to 5 months for annual premiums above ₱136,000. Monthly payments include a small processing fee of 30%. Credit card, bank transfer, GCash, and Maya are accepted.

What vehicles does FPG Insurance not cover?

FPG Insurance does not cover vehicles older than 8 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 7 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 24% surcharge.

Does FPG Insurance offer a no-claim discount?

FPG Insurance provides a no-claim discount of up to 12% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 14 consecutive claim-free years. The maximum cumulative discount reaches 39%.

How do I file a claim with FPG Insurance?

To file a claim with FPG Insurance, call their 24/7 hotline within 9 hours of the incident and submit photos plus a police report within 31 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.

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