Comprehensive

Stronghold Insurance Comprehensive Car Insurance

Stronghold Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱16,000/year. With over 190 accredited repair shops and 28 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 7 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱6 million.

Annual Premium

₱16,000–₱45,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Authorized repair shops across 17 locations nationwide

24/7 roadside assistance within 7 km radius

Riot, strike, and civil commotion coverage

Own Damage and Theft (OD/T) coverage up to ₱410,000

Fire and lightning damage protection

Claims Process

Filing a claim with Stronghold Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8105-6133 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 6 business days after approval.

Pros & Cons

Advantages

24/7 customer hotline with average hold time under 7 minutes
Free annual vehicle inspection at partner service centers
Online policy management and renewal portal available
Accepts installment payments up to 12 months interest-free
Flexible payment options including GCash and Maya

Drawbacks

Requires minimum 3 repair shop quotes for claims above ₱490,000
Excess coverage requires separate add-on costing ₱57,000/year
Limited provincial branch coverage outside Metro Manila (16 offices)
No coverage for vehicles older than 19 years

Frequently Asked Questions

Does Stronghold Insurance offer a no-claim discount?

Stronghold Insurance provides a no-claim discount of up to 25% 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 41%.

How long does Stronghold Insurance take to process claims?

Stronghold Insurance processes standard claims within 5 business days from submission of complete documents. Major claims involving third parties may take up to 26 days. You can track your claim status through their online portal.

What is the minimum premium for Stronghold Insurance?

The minimum annual premium for Stronghold Insurance starts at ₱175,000 for basic plans. This rate applies to vehicles valued under ₱496,000. Additional coverage options may increase the total premium.

What vehicles does Stronghold Insurance not cover?

Stronghold Insurance does not cover vehicles older than 6 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 7 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 11% surcharge.

How do I file a claim with Stronghold Insurance?

To file a claim with Stronghold Insurance, call their 24/7 hotline within 12 hours of the incident and submit photos plus a police report within 26 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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