Comprehensive

UCPB General Insurance Comprehensive Car Insurance

UCPB General Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱15,000/year. With over 180 accredited repair shops and 27 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 9 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱6 million.

Annual Premium

₱15,000–₱37,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Authorized repair shops across 20 locations nationwide

Riot, strike, and civil commotion coverage

Bodily injury liability up to ₱427,000 per person

Own Damage and Theft (OD/T) coverage up to ₱391,000

Fire and lightning damage protection

Claims Process

Filing a claim with UCPB General Insurance involves 5 steps. First, report the incident within 24 hours by calling (02) 8456-2279 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

24/7 customer hotline with average hold time under 19 minutes
Quick approval for minor claims under ₱424,000
Coverage extends to natural calamities common in PH
Accepts installment payments up to 16 months interest-free
Provides courtesy car for up to 12 days during repairs

Drawbacks

Processing time can reach 18 days for major claims
No coverage for vehicles older than 17 years
Limited provincial branch coverage outside Metro Manila (17 offices)
Depreciation rate of 17% per year on vehicle valuation

Frequently Asked Questions

Does UCPB General Insurance offer a no-claim discount?

UCPB General Insurance provides a no-claim discount of up to 26% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 4 consecutive claim-free years. The maximum cumulative discount reaches 40%.

Does UCPB General Insurance cover Acts of Nature?

Yes, UCPB General Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱360,000 per incident. This is especially important given the country averages 13 typhoons per year.

What is the minimum premium for UCPB General Insurance?

The minimum annual premium for UCPB General Insurance starts at ₱180,000 for basic plans. This rate applies to vehicles valued under ₱787,000. Additional coverage options may increase the total premium.

How long does UCPB General Insurance take to process claims?

UCPB General Insurance processes standard claims within 6 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.

What vehicles does UCPB General Insurance not cover?

UCPB General Insurance does not cover vehicles older than 10 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 8 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 18% surcharge.

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