Western Guaranty Corporation

When shopping for a good non-life insurance provider, you need one that serves with the care and sincerity that Western Guaranty Corporation provides. Its coverage includes motor vehicles, fire hazards, marine cargo, personal accidents, and casualties. This intensive area of coverage and excellent customer service have made them one of the most credible insurance firms in the Philippines.

Western Guaranty Corporation

Western Guaranty Car Insurance offers comprehensive auto insurance coverage at an affordable price. Fast claiming process with acts of God, 24/7 road assistance, other added benefits for your protection while on the road.

Overview

Vehicle Use
Private
Allow Custom Retail:
Yes
Allow Customer Fleet:
Yes
Allow Foreigners:
Yes

Cover Details and Options

Cover Type Vehicle Type Minimum Insured Value Maximum Insured Value Maximum Vehicle Age
Comprehensive Sedan PHP0.00 PHP20,000,000.00 10
Comprehensive SUV, AUV, Van, Pickup PHP0.00 PHP20,000,000.00 10

Covered Risks

Risk Type Included in Basic Cover Deductible
Own Damage/ Theft Additional Premium N/A
Acts of Nature Additional Premium N/A

Product Advantages and Limitations

Benefit
Accepts up to 10-year old cars
Benefit
Free 24-hour roadside assist program

Fees

Fee Type Fixed Fee Range Premium Percentage
Documentary Stamps PHP0.00-PHP20,000,000.00 0.12500%
Value Added Tax PHP0.00-PHP20,000,000.00 0.12000%
Local Government Tax PHP0.00-PHP20,000,000.00 0.00120%

Regional Workshops

Province City/Municipality Number of Workshops
Metro Manila Manila 12
Metro Manila Quezon City 17
Metro Manila Makati 3
Metro Manila Las Pinas 1
Metro Manila San Juan 1
Metro Manila Pasig 1
Rizal Cainta 1
Metro Manila Malabon 1
Metro Manila Paranaque 1
Metro Manila Caloocan 4
Cavite Silang 2
Isabela Cauayan 1
Batangas Sto Tomas 1
Tarlac Tarlac 1
Isabela Santiago 1
Cebu Cebu 3
Davao del Sur Davao 7
Davao del Norte Tagum 4
Metro Manila Pasay 1

FAQs

What are the documents required when applying for Western Guaranty Corporation?

For faster approval, prepare this list of documents needed for your application:

  • Valid Driver’s License – it should match the applicant’s name who owns the insurable vehicle
  • Certificate of Registration – it should bear the registered owner’s name. If the CR is not available, you should present the buyer’s name in the deed of sale.
  • Official Receipt of your vehicle / a photocopied OR, if the vehicle is being paid yet via car loan.

These government-issued IDs can be presented for additional identification:

  • Digitized postal ID
  • GSIS E-Card
  • IBP ID
  • OWWA ID
  • Philippine Passport
  • PRC ID
  • Senior Citizen’s ID
  • SSS ID
  • Voter’s ID

These Supporting government-issued IDs are also presented:

  • Alumni ID
  • Employment ID
  • School ID

What is the process for Western Guaranty Corporation Claims?

Western Guaranty immediately responds to your claims, provided that the needed papers are complete and duly accomplished when submitted. Report your claim to any branch or the main office and their service personnel will assist you throughout the process.

Here are the steps to make your claim process smoother:

  1. Take a picture of any proof of the accident and damaged car parts it resulted.
  2. All damaged items and parts must be kept for inspection. Wait for the Claims Service Officer to approve before you discharge any of them.
  3. Collect all invoices, receipts, and every relevant document to the accident, including emergency medical treatment you underwent and/or emergency repairs of your vehicle in a motor shop.
  4. Attach all these necessary and relevant documents such as the invoices, receipts, statements, and reports when you file a claim. Make sure these are original and not photocopied.
  5. If Western Guaranty’s Claims Service Officer is not informed, avoid making statements about accepting liability to make an offer.
  6. If you’re not sure what to do, don’t hesitate to directly call your service personnel, agent, or broker.

What are the requirements for Motor Car Claims?

You should prepare all the necessary documents before filing claims for faster transactions. Here are the following papers you should collate:

If it’s an Own Damage Claim

  • Accident Report Form or Affidavit on the circumstances of the accident (Original copy, notarized)
  • Estimate of damage from any accredited shop
  • Pictures of the accident
  • Police Report (Original copy, notarized)
  • Stencils of motor and chassis
  • Vehicles Registration Certificate and current Official Receipt (Photocopy)

If it’s a Third Party Liability Claim

  • Accident Report Form or Affidavit on the circumstances of the accident (Original copy, notarized)
  • Estimate of damage from any accredited shop
  • Pictures of the accident
  • Police Report (Original copy, notarized)
  • Stencils of motor and chassis
  • Vehicles Registration Certificate and current Official Receipt (Photocopy)
  • Driver’s License and Official Receipt (Photocopy)
  • Certificate of No Claim (Original copy)

What are the hotlines for Western Guaranty Claims Department?

Here are the contact numbers of Claims Department you can call:

  • Mobile: +63 922 842 2750
  • Landline: +632 241 7401 loc. 210, 249, 248, 247, 252, 244, 246

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