Comprehensive

PGA Sompo Insurance Comprehensive Car Insurance

PGA Sompo Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱18,000/year. With over 300 accredited repair shops and 22 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 ₱4 million.

Annual Premium

₱18,000–₱44,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Excess bodily injury up to ₱141,000

Loss of use allowance of ₱1,000/day for up to 16 days

Own Damage and Theft (OD/T) coverage up to ₱193,000

Emergency medical reimbursement up to ₱134,000

Claims Process

Filing a claim with PGA Sompo Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8187-1587 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 8 business days after approval.

Pros & Cons

Advantages

Mobile app available for iOS and Android with claims tracking
Free annual vehicle inspection at partner service centers
Online policy management and renewal portal available
Partners with 6+ hospitals for personal accident claims
Dedicated relationship manager for policies above ₱478,000

Drawbacks

Excess coverage requires separate add-on costing ₱385,000/year
Deductible starts at ₱430,000 for first-time claims
Requires minimum 3 repair shop quotes for claims above ₱493,000
Online portal lacks some features available in-app only

Frequently Asked Questions

Does PGA Sompo Insurance cover Acts of Nature?

Yes, PGA Sompo Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱465,000 per incident. This is especially important given the country averages 14 typhoons per year.

Does PGA Sompo Insurance offer a no-claim discount?

PGA Sompo Insurance provides a no-claim discount of up to 14% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 18 consecutive claim-free years. The maximum cumulative discount reaches 34%.

What is the minimum premium for PGA Sompo Insurance?

The minimum annual premium for PGA Sompo Insurance starts at ₱341,000 for basic plans. This rate applies to vehicles valued under ₱599,000. Additional coverage options may increase the total premium.

What vehicles does PGA Sompo Insurance not cover?

PGA Sompo Insurance does not cover vehicles older than 17 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 18% surcharge.

Can I pay PGA Sompo Insurance premiums in installments?

PGA Sompo Insurance offers installment payment plans of up to 17 months for annual premiums above ₱294,000. Monthly payments include a small processing fee of 29%. Credit card, bank transfer, GCash, and Maya are accepted.

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