Comprehensive

Pacific Union Insurance Comprehensive Car Insurance

Pacific Union Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 155 accredited repair shops and 38 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 15 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱8 million.

Annual Premium

₱17,000–₱41,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Bodily injury liability up to ₱149,000 per person

Excess bodily injury up to ₱198,000

No-claim discount of up to 19% on renewal

Personal accident coverage for driver and up to 12 passengers

Emergency medical reimbursement up to ₱176,000

Acts of Nature coverage (typhoon, flood, earthquake)

Claims Process

Filing a claim with Pacific Union Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8201-5312 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 13 business days after approval.

Pros & Cons

Advantages

Partners with 19+ hospitals for personal accident claims
Quick approval for minor claims under ₱328,000
Claims processing averages 12 business days
Dedicated relationship manager for policies above ₱172,000
Flexible payment options including GCash and Maya

Drawbacks

Online portal lacks some features available in-app only
Requires minimum 3 repair shop quotes for claims above ₱346,000
Depreciation rate of 21% per year on vehicle valuation
No coverage for vehicles older than 17 years

Frequently Asked Questions

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 ₱61,000 per incident. This is especially important given the country averages 10 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 12 hours of the incident and submit photos plus a police report within 34 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.

What is the minimum premium for Pacific Union Insurance?

The minimum annual premium for Pacific Union Insurance starts at ₱282,000 for basic plans. This rate applies to vehicles valued under ₱497,000. Additional coverage options may increase the total premium.

How long does Pacific Union Insurance take to process claims?

Pacific Union Insurance processes standard claims within 6 business days from submission of complete documents. Major claims involving third parties may take up to 19 days. You can track your claim status through their online portal.

Can I pay Pacific Union Insurance premiums in installments?

Pacific Union Insurance offers installment payment plans of up to 15 months for annual premiums above ₱296,000. Monthly payments include a small processing fee of 28%. Credit card, bank transfer, GCash, and Maya are accepted.

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