Filing a claim doesn’t have to be stressful.
Whether it’s an accident, damage, or loss, we’ll guide you every step of the way to get you back on track fast and hassle-free.
1
Ensure Safety First
Your safety is our priority.
- Check for injuries and seek medical help if needed.
- Secure your property to prevent further damage.
- Contact emergency services for major incidents such as fire, theft, or accidents.
2
Notify Us Immediately
Report the incident as soon as possible.
You can reach us through:
Tip: Early reporting helps speed up the claims process.
3
Prepare Basic Documents
Have these ready to support your claim:
Basic Requirements (All Claims)
- Duly accomplished Claim Form
- Written notice of loss / incident report
- Policy number or copy of insurance policy / certificate
- Valid government-issued ID of the insured / claimant
- Proof of ownership or insurable interest
- Detailed description of the incident (date & time of loss, location of loss, cause and circumstances, estimated damage amount)
For Motor Insurance
- Repair Estimate — itemized list of parts to be repaired or replaced with costs, plus the estimator’s contact details (preferably a mobile number)
- Photos — vehicle showing plate number and visible damages in one frame, plus actual photos of the accident scene / place of incident
- Police Report and/or Incident Report (PhilFirst incident report form)
- Official Receipt (OR) / Certificate of Registration (CR) — clear copy of the updated OR; engine and chassis numbers clearly readable on the CR
- Driver’s License — clear, readable copy of the front and back, plus the OR of the license held by the driver at the time of the accident
For Property / Fire Insurance
- Fire or incident report
- Photographs of damaged property
- Repair estimate or contractor’s quotation
- Inventory of damaged items
- Purchase receipts, invoices, or proof of value
- Barangay or police report (if applicable)
For Engineering Insurance
- Photographs and videos showing damaged property / equipment
- Repair or replacement quotations
- Purchase invoice or proof of ownership / value
- Maintenance records and equipment service history
- Equipment specifications and technical manuals (if required)
- Site inspection report
For Burglary / Robbery
- Police report
- Inventory of stolen items
- Proof of ownership and value
- Photos of forced entry or damaged premises
For Personal Accident
- Medical certificate
- Hospital records and bills
- Official receipts of expenses
- Police report (for accidents requiring investigation)
- Death certificate and beneficiary documents (for death claims)
For Marine Cargo Insurance
- Bill of Lading / Airway Bill
- Packing list and commercial invoice
- Delivery receipt
- Survey report
- Notice of loss or damage from carrier
For CG Liability
- Demand letter from third party
- Incident report
- Police report (if applicable)
- Witness statements
- Supporting photos and evidence
- Court documents, if a case has been filed
For Bonds
- Formal Claim / Demand Letter addressed to the surety company
- Copy of the Bond &/or Indemnity Agreement (surety bond and attached riders, if any)
- Copy of the Principal Contract / Agreement secured by the bond
- Proof of Default or Breach by the principal
- Statement of Claim / Loss Computation showing the amount being claimed
- Supporting correspondence between obligee and principal regarding the default
- Notice of Default / Termination served on the principal (if applicable)
For Cyber Insurance
- Incident report
- Screenshots or proof of cyber incident
- Supporting communication records
For Travel Insurance
- Travel documents
- Proof of incident or delay
- Receipts and supporting records
Note: Additional documents may be requested depending on the claim.
4
Claim Assessment
Our claims team will:
- Review submitted documents.
- Conduct an inspection if necessary.
- Evaluate the extent of loss or damage.
- Keep you updated throughout the process.
5
Claim Approval & Settlement
Once approved:
- We’ll inform you of the claim outcome.
- Payment or repair arrangements will be processed promptly.
Claims Support
Need Help?
Our claims specialists are ready to assist you.
Because when the unexpected happens, you deserve a partner who responds fast, fair, and with care.