PNB General Insurers Co. Inc., the non-life insurance company of the Philippine National Bank (PNB), started its operations in 1991, with the bank’s acquisition of the Charter Insurance Co. Inc. The company offers PNB car insurance, fire and natural perils insurance, engineering insurance, marine insurance, personal accident insurance, casualty insurance, and surety products, among others.


What is the PNB Car Insurance plan?

PNB’s Auto Protector Plan is an insurance plan design to protect your vehicle from accidental damage. This product from PNB Philippines offers coverage on car loss or damage, compulsory third party liability, excess third party bodily injury, third party property damage, auto personal accident for passengers.

PNB car insurance is available for cars of up to 10 years of age. Specifics for auto insurance policies differ depending on whether the car being covered is for private or commercial (light or medium vehicles) use.

PNB Car Insurance coverage for car loss or damage

PNB’s auto insurance plan covers the loss or damage of your vehicle via fire or theft, up to the vehicle’s fair market value, as well as via act of nature for selected or mortgaged cars. This car insurance also covers dealer repairs for cars up to two years old, as well as vehicle accessories repairs and  airbag reinstallation. Damage caused by terrorism attacks is excluded from coverage.

PNB Car Insurance coverage for accidents

For instances when the car causes damage to third party property or death or bodily injury to third party persons, PNB can shoulder up to P200,000 in damages. The plan also covers up to P5,000 per seat for medical expenses and P10,000 in compensation for personal accidents to the driver and passengers, as well as hospital admission assistance.

PNB Car Insurance assistance coverage and other features

PNB Philippinesauto insurance products offer roadside assistance services for cars up to 12 years old, such as reimbursement of up to P5,000 for towing services and P10,000 for crane service. This auto insurance plan is also inclusive of reimbursement of up to P3,000 per night for up to two nights for hotel expense in case of car breakdowns, as well as up to P3,000 for travel expenses for commuting home after a car accident. Other offerings include vehicle retrieval service, 24/7 roadside assistance, minor on-site repair, vehicle jumpstarting, battery boosting, tire replacement, locksmith service, vehicle removal, motor shop referral, and emergency fuel delivery.

Am I eligible for PNB Car insurance? 

A Filipino citizen who owns a car and has a driver’s license is eligible to apply for car insurance from PNB Philippines. The first step of the application process is filling out the application form, which is available at any PNB General Insurers branch near you. Take note of the other requirements that the insurer can ask from you, depending on the policy you’re planning to take.

What are the requirements of a PNB car insurance plan?

Minimum Requirements for PNB Car Insurance 

  • Filipino citizen

  • 18 yrs old and above
  • Vehicle must be 10 years old at most

Required Documents for PNB Car Insurance

  • Duly accomplished application form

  • Your vehicle’s original receipt (OR)

  • Your driver’s license

  • Your vehicle’s Certificate of Registration

  • Any valid ID (in addition to the license)

Compare Online: Why choose GoBear

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Compare car insurance with GoBear Philippines to see how PNB Car Insurance stacks up compared with dozens of other car insurance plans.