CTPL (Mandatory)

PGA Sompo Insurance CTPL Insurance

PGA Sompo Insurance provides CTPL insurance mandated by the Insurance Commission for all vehicles registered with the LTO. Premiums range from ₱720 for motorcycles to ₱2,560 for private cars, covering third-party bodily injury up to ₱122,000. Over 1,449 policies are issued annually through 56 branch offices.

Annual Premium

₱720–₱2,560/year

Coverage Items

4

Pros / Cons

5 / 4

Coverage Highlights

Third-party bodily injury liability up to ₱197,000

Death benefit of ₱67,000 per person

Valid for 3 year(s) from date of issuance

Accepted at all 427 LTO offices nationwide

Claims Process

CTPL claims with PGA Sompo Insurance require a police report filed within 24 hours and medical records submitted within 21 days. The insurer settles valid claims within 15 business days. Contact PGA Sompo Insurance at their 13-branch network or via their online portal.

Pros & Cons

Advantages

  • Claims processing averages 19 business days
  • Dedicated relationship manager for policies above ₱456,000
  • Policy issuance within 20 hours for standard applications
  • Mobile app available for iOS and Android with claims tracking
  • Quick approval for minor claims under ₱459,000

Drawbacks

  • Deductible starts at ₱202,000 for first-time claims
  • Premium increases by 24% after a claim within 12 months
  • Online portal lacks some features available in-app only
  • Processing time can reach 9 days for major claims

Frequently Asked Questions

Can I pay PGA Sompo Insurance premiums in installments?
PGA Sompo Insurance offers installment payment plans of up to 5 months for annual premiums above ₱154,000. Monthly payments include a small processing fee of 30%. Credit card, bank transfer, GCash, and Maya are accepted.
What is the minimum premium for PGA Sompo Insurance?
The minimum annual premium for PGA Sompo Insurance starts at ₱176,000 for basic plans. This rate applies to vehicles valued under ₱572,000. Additional coverage options may increase the total premium.
How do I file a claim with PGA Sompo Insurance?
To file a claim with PGA Sompo Insurance, call their 24/7 hotline within 15 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.
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 ₱226,000 per incident. This is especially important given the country averages 20 typhoons per year.
How long does PGA Sompo Insurance take to process claims?
PGA Sompo Insurance processes standard claims within 10 business days from submission of complete documents. Major claims involving third parties may take up to 29 days. You can track your claim status through their online portal.

Other CTPL (Mandatory) Providers

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₱610–₱1,800/year

Charter Ping An Insurance CTPL Insurance

₱610–₱1,800/year

Liberty Insurance CTPL Insurance

₱560–₱2,560/year

Mercantile Insurance CTPL Insurance

₱560–₱2,100/year

Petrogen Insurance CTPL Insurance

₱560–₱2,560/year

Prudential Guarantee CTPL Insurance

₱560–₱2,560/year

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PGA Sompo Insurance CTPL Insurance

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