Comprehensive

Prudential Guarantee Comprehensive Car Insurance

Prudential Guarantee offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 279 accredited repair shops and 35 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 13 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱6 million.

Annual Premium

₱17,000–₱57,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Excess bodily injury up to ₱135,000

Third-party property damage up to ₱182,000

No-claim discount of up to 21% on renewal

Personal accident coverage for driver and up to 7 passengers

Riot, strike, and civil commotion coverage

24/7 roadside assistance within 6 km radius

Claims Process

Filing a claim with Prudential Guarantee involves 4 steps. First, report the incident within 24 hours by calling (02) 8644-4022 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 11 business days after approval.

Pros & Cons

Advantages

Online policy management and renewal portal available
Quick approval for minor claims under ₱410,000
Policy issuance within 11 hours for standard applications
Accepts installment payments up to 14 months interest-free
Partners with 7+ hospitals for personal accident claims

Drawbacks

Depreciation rate of 25% per year on vehicle valuation
Excess coverage requires separate add-on costing ₱197,000/year
Limited provincial branch coverage outside Metro Manila (15 offices)
Processing time can reach 18 days for major claims

Frequently Asked Questions

How do I file a claim with Prudential Guarantee?

To file a claim with Prudential Guarantee, call their 24/7 hotline within 17 hours of the incident and submit photos plus a police report within 18 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.

Does Prudential Guarantee cover Acts of Nature?

Yes, Prudential Guarantee includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱402,000 per incident. This is especially important given the country averages 14 typhoons per year.

How long does Prudential Guarantee take to process claims?

Prudential Guarantee processes standard claims within 19 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.

Can I pay Prudential Guarantee premiums in installments?

Prudential Guarantee offers installment payment plans of up to 11 months for annual premiums above ₱373,000. Monthly payments include a small processing fee of 22%. Credit card, bank transfer, GCash, and Maya are accepted.

Does Prudential Guarantee offer a no-claim discount?

Prudential Guarantee provides a no-claim discount of up to 27% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 14 consecutive claim-free years. The maximum cumulative discount reaches 38%.

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