Combined Package

Pacific Union Insurance Combined Insurance (Comprehensive + CTPL)

Pacific Union Insurance bundles comprehensive and CTPL coverage into a single policy priced from ₱17,000 to ₱69,000/year. This eliminates the need to manage 2 separate policies and saves an average of ₱4,000 compared to buying them individually. The combined plan covers 5 risk categories including own damage, theft, Acts of Nature, and mandatory third-party liability.

Annual Premium

₱17,000–₱69,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Free towing up to ₱101,000 per incident

Authorized repair shops across 17 locations nationwide

Emergency medical reimbursement up to ₱115,000

Fire and lightning damage protection

Loss of use allowance of ₱1,500/day for up to 15 days

Bodily injury liability up to ₱218,000 per person

No-claim discount of up to 30% on renewal

Claims Process

Filing a claim with Pacific Union Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8406-6284 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 7 business days after approval.

Pros & Cons

Advantages

Accredited in over 15 repair shops across the Philippines
Provides courtesy car for up to 19 days during repairs
Mobile app available for iOS and Android with claims tracking
Flexible payment options including GCash and Maya
24/7 customer hotline with average hold time under 17 minutes

Drawbacks

No coverage for vehicles older than 9 years
Limited provincial branch coverage outside Metro Manila (10 offices)
Excess coverage requires separate add-on costing ₱366,000/year
Depreciation rate of 23% per year on vehicle valuation

Frequently Asked Questions

What is the minimum premium for Pacific Union Insurance?

The minimum annual premium for Pacific Union Insurance starts at ₱380,000 for basic plans. This rate applies to vehicles valued under ₱399,000. Additional coverage options may increase the total premium.

What vehicles does Pacific Union Insurance not cover?

Pacific Union Insurance does not cover vehicles older than 19 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 8 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 30% surcharge.

Does Pacific Union Insurance cover Acts of Nature?

Yes, Pacific Union Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱180,000 per incident. This is especially important given the country averages 6 typhoons per year.

How do I file a claim with Pacific Union Insurance?

To file a claim with Pacific Union Insurance, call their 24/7 hotline within 4 hours of the incident and submit photos plus a police report within 38 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.

Does Pacific Union Insurance offer a no-claim discount?

Pacific Union Insurance provides a no-claim discount of up to 13% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 16 consecutive claim-free years. The maximum cumulative discount reaches 47%.

Alliedbankers Insurance Combined Insurance (Comprehensive + CTPL)

₱24,000–₱69,000/year

Asia Insurance Philippines Combined Insurance (Comprehensive + CTPL)

₱16,000–₱48,000/year

Asia United Insurance Combined Insurance (Comprehensive + CTPL)

₱23,000–₱61,000/year

BPI MS Insurance Combined Insurance (Comprehensive + CTPL)

₱25,000–₱40,000/year

Charter Ping An Insurance Combined Insurance (Comprehensive + CTPL)

₱18,000–₱65,000/year

Chubb Insurance Philippines Combined Insurance (Comprehensive + CTPL)

₱17,000–₱61,000/year

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