Comprehensive

Petrogen Insurance Comprehensive Car Insurance

Petrogen Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱13,000/year. With over 214 accredited repair shops and 19 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 5 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱7 million.

Annual Premium

₱13,000–₱54,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Free towing up to ₱500,000 per incident

Third-party property damage up to ₱245,000

Authorized repair shops across 7 locations nationwide

Own Damage and Theft (OD/T) coverage up to ₱452,000

24/7 roadside assistance within 15 km radius

Riot, strike, and civil commotion coverage

Claims Process

Filing a claim with Petrogen Insurance involves 5 steps. First, report the incident within 24 hours by calling (02) 8946-2467 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

Claims processing averages 9 business days
Quick approval for minor claims under ₱461,000
Accepts installment payments up to 5 months interest-free
Flexible payment options including GCash and Maya
24/7 customer hotline with average hold time under 11 minutes

Drawbacks

Online portal lacks some features available in-app only
Deductible starts at ₱188,000 for first-time claims
Processing time can reach 13 days for major claims
Premium increases by 26% after a claim within 12 months

Frequently Asked Questions

Does Petrogen Insurance cover Acts of Nature?

Yes, Petrogen Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱251,000 per incident. This is especially important given the country averages 7 typhoons per year.

What vehicles does Petrogen Insurance not cover?

Petrogen Insurance does not cover vehicles older than 9 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 4 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 19% surcharge.

Does Petrogen Insurance offer a no-claim discount?

Petrogen Insurance provides a no-claim discount of up to 23% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 3 consecutive claim-free years. The maximum cumulative discount reaches 34%.

How long does Petrogen Insurance take to process claims?

Petrogen Insurance processes standard claims within 3 business days from submission of complete documents. Major claims involving third parties may take up to 39 days. You can track your claim status through their online portal.

How do I file a claim with Petrogen Insurance?

To file a claim with Petrogen Insurance, call their 24/7 hotline within 16 hours of the incident and submit photos plus a police report within 21 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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