My name is Raymund Camat and I am the blogger of MoneyTalkPH.com. My mission is to spread financial education to Filipinos worldwide to achieve the ultimate goal of Financial Freedom. If this is your first time visiting my blog, I recommend you explore all the articles I wrote here.

I am affiliated with Sun Life of Canada, the oldest life insurance company in the Philippines and currently the number 1 life insurance company in the Philippines. Our company has a wide range of life insurance and investment products including the following:

  • Sun Maxilink Prime – a life insurance plan with investment component that could be used to finance future needs like education and retirement. With the option to include accidental death benefit, disablement benefit, dismemberment benefit, and hospital income benefit. This plan is payable for at least 10 years.
  • Sun Flexilink – a life insurance plan with investment that could be used for retirement. With the option to include accidental death benefit, disablement benefit, dismemberment benefit, critical illness benefit, female critical illness benefit and hospital income benefit.
  • Sun Maxilink Bright – a life insurance plan with investment that could be used to finance future expenses in education or retirement. This plan is payable in 5 years with the option to add accidental death and total disability benefit.
  • Sun Maxilink Prime for College – a life insurance plan with investment that could be used to pay future expenses in education or retirement. This plan is payable in 10 years with the option to add accidental death, dismemberment, and disablement benefits.
  • Sun Maxilink One – a wise alternative for mutual fund, UITF and direct stock investing. One time big time investment that provides better return than traditional bank products
  • Sun Life Term Insurance Plans – affordable pure life insurance plans for Filipinos with limited budget but want to get life insurance policy to protect the future of their families
  • Sun Life Assure – a term life insurance plan that provides lump sum amount upon diagnosis of any of the 36 illnesses covered including cancer, organ transplant, paralysis, blindness and others.
  • Sun Fit and Well – a whole life insurance plan that covers up to 100 minor and major critical illnesses with cash benefits, dividends, paid up bonuses, hospitalization income, home recovery benefits and more.
  • Sun Start Up – affordable life insurance that provides lump sum amount to your family when you die and return 50% of your total paid premium after 10 years.
Make your money work harder for you! Invest on our award-winning mutual funds: the Sun Life Prosperity Funds. Learn how to open an account here.

Non-life Insurance Products

Get fire insurance for your home, condominium, apartment, building, warehouse, plant and other properties. With optional coverage for flood, earthquake, malicious damage, theft, riot, etc. Get a quotation today, click here.

BPI/MS Automobile/Car Insurance Quotation Request

Car Insurance

Car accidents happen, anywhere, anytime. Sometimes it would be your fault, sometimes it would be others fault. Even you drive carefully and safely, there will always be reckless and irresponsible drivers on the road especially in the Philippines where traffic laws are blatantly taken for granted. Don’t forget flood, typhoon, earthquakes and thieves – the enemies of your beloved car.

You need to have a comprehensive car insurance to protect yourself from financial loss when accidents happen. The comprehensive car insurance will shoulder repair expenses to your car after an accident. Damage repairs due to flood, typhoon and earthquake (acts of God/nature) will also  be shouldered by your car insurance.

Upon a legitimate car theft, the actual cash value of the car will be paid by your insurance company.  If your car is totally damaged after an accident or natural calamity and could no longer be repaired, car insurance will pay the actual cash value of the car before the unfortunate incident.

When you hit a pedestrian, cash payments will be paid by your insurance for medical expenses and burial expenses (in case of death). Even you and your passengers have some sort of medical and disability coverage from the car insurance. When you damaged a property while driving, your comprehensive car insurance will also help pay the damages.

Car insurance may look like an unnecessary expense but it provides you with enormous peace of mind. If not buying comprehensive car insurance will help you save money, wait until you get into an accident, you will regret not getting one.

Choosing the Best Comprehensive Car Insurance

Now, there are many car insurance companies in the Philippines, it is quite hard to choose the best one. I recommend BPI/MS Insurance corporation, a joint venture between Bank of the Philippine Islands (BPI) and Mitsui Sumitomo Insurance of Japan. These two companies are well known brands that have been in existence for more than 100 years. They are both leaders in their respective industries: banking and property insurance.

There are about 70 non-life insurance companies in the Philippines. BPI/MS have been consistently on top 3-4 of all important ranking metrics of the Insurance Commission: for the year 2016, top 3 on assets (9.5 billion), top 4 on gross premium written (5.6 billion), top 2 on net income (418 million), top 3 on net premium written (2.6 billion), top 4 on net worth (2.4 billion) and top 3 on premiums earned (2.5 billion). The Insurance Commission is the government agency that regulate and monitor all insurance companies in the Philippines.

Know more about BPI/Ms’ Superior Motor Insurance Protection

What is BPI/MS Comprehensive Motor Insurance?

The BPI/MS Comprehensive Motor Insurance comes with an extensive coverage to protect your vehicle from Accidental Collision and Theft, as well as protection from damages caused by Fire, Explosion, Lightning and Self-Ignition and Malicious Damage

While I was driving my car, I accidentally hit a pedestrian. Is liability to other persons covered by BPI/MS Comprehensive Motor Insurance?

Yes! BPI/MS offers two types of coverage to protect from liabilities for injuries caused to other persons:

Compulsory Third Party Liability (CTPL) – This is the basic insurance coverage required by the Land Transportation Office when you register your vehicle. This coverage will answer for the death, disablement and medical expenses of a person injured because of an accident involving your vehicle.

Voluntary Third Party Liability-Bodily Injury (VTPL-BI) – This serves as an additional coverage on top of your basic CTPL, since this will answer for expenses in excess of CTPL’s coverage limit. This is a standard feature of all BPI/MS Comprehensive Motor policies.

What if my vehicle causes damage to another person’s property? Do I have coverage for this?

Don’t worry! BPI/MS offers Voluntary Third Party Liability-Property Damage (VTPL-PD) that provides you with protection in case your vehicle damages other people’s properties. This coverage is also standard to all BPI/MS Comprehensive Motor policies.

Are my vehicle’s passengers covered if they get hurt due to an accident?

Yes! BPI/MS’ Unnamed Passenger Personal Accident (UPPA) is an insurance coverage that will answer for the death, disablement and medical expenses for the driver and passengers of your vehicle in the unfortunate event of an accident. UPPA is optional at a very affordable cost that you may add to your BPI/MS Comprehensive Motor policy.

Do you also cover damages due to Flood, Typhoon or other similar events?

Yes! Natural calamities are inevitable and could cause serious damage to your vehicle. For your added protection, you may request for an additional coverage against Flood, Typhoon, Hurricane, Volcanic Eruption, Earthquake, Strike, Riot and Civil Commotion subject to payment of an additional premium.

Are the car accessories covered?

Yes! BPI/MS Comprehensive Motor Insurance covers all accessories that are standard to your vehicle’s type or unit. If you add any other accessories, please inform us so that we can make arrangements to insure them.

Is towing covered under the BPI/MS Comprehensive Motor Insurance?

Yes! Because BPI/MS Comprehensive Motor Insurance now offers FREE Express Roadside Assistance (ERA) that provides you with emergency assistance on the road, 24 hours a day, 365 days a year to qualified policy holders.

What shall I do if I need to file a claim?

It’s so easy! Just call the BPI/MS Claims Department or any of the BPI/MS branch offices near you and submit your complete claims documents. For your convenience, a BPI/MS Motor Claims Guide will be provided upon issuance of your motor policy. The motor claims guide includes all the necessary information that you need to know in filling your claim.

Express Roadside Assistance (ERA)

Frequently Asked Questions about the BPI/MS Express Roadside Assistance (ERA)


Q: Who can avail of the FREE 24-hour BPI/MS Express Roadside Assistance (ERA)?

A: All policyholders that renewed or procured an initial Comprehensive Motor Car policy (with Own Damage and Theft coverage) are entitled to the ERA feature.


Q: Are all vehicles insured by BPI/MS qualified for the ERA?

A: Yes, as long as the vehicle:

  • Has Own Damage and Theft Coverage
  • Is not being used for public transportation of persons, merchandise, for hire with or without a driver
  • Does not exceed 3,500 kgs in weight (i.e. not bigger than an Expedition) is not more than 10 years old


Q: Who is the service provider for BPI/MS ERA?

A: The service provider for BPI/MS ERA is International SOS, an independent organization with headquarters in Singapore and the world’s leading service provider of Medical Assistance, International Healthcare, Security Services and Outsourced Customer Care.


Q: What is the number to call for BPI/MS’ Express Roadside Assistance?

A: The BPI/MS ERA Hotline is (02) 687-85-85


Q: What are the services offered by the BPI/MS ERA?

A: The services offered by BPI/MS ERA are:

Vehicle Assistance:

  • Emergency Towing Assistance up to Php3,500 per event*
  • Minor On Site Vehicle Repair Assistance up to Php3,500 per event*
  • Vehicle Removal up to Php8,000 per event*
  • Repatriation of Vehicle up to Php2,000 per event*
  • Arrangement for Rental Transport
  • Locksmith Assistance
  • Claims Procedure Assistance
  • Referral to Claims Department
  • Parts and Service Locator

Personal Assistance:

  • Arrangement of Hotel Accommodation Assistance up to Php 2,000 per event (if the assured is outside Metro Manila)
  • Alternative Travel Assistance up to Php2,000 per event (if the assured’s vehicle cannot be repaired within 6 hours from the time of breakdown and if assured is outside Metro Manila)*
  • MMDA Traffic Advisory
  • Car-napping Assistance
  • Directory Assistance (Police/PNP Assistance)
  • Vehicle Registration Assistance
  • Emergency Message Relay
  • Road Directions Assistance
  • Ambulance Assistance
  • Accident Notification Assistance


*Subject to a maximum of 3 events per policy year due to mechanical breakdown and unlimited number of events if related to a vehicular accident.


Q: In case of a mechanical breakdown or accident what will I do in order to avail ERA?

A: The policyholder is required to call (02) 687-85-85 BPI/MS Express Roadside Assistance in order to avail of the Roadside Assistance Services.


Q: What if I’m using a cellphone or if I am using a landline outside Metro Manila to call the BPI/MS ERA hotline?

A: The initial call is at your expense, but after giving the necessary information to BPI/MS ERA such as: Name, Policy Number, Plate no., Make, Model, Color and Contact no., a BPI/MS ERA will call you back to minimize your expenses.


Q: What if my car breaks down in areas where there are accredited towing services assigned like SLEX and NLEX?

A: You can ask the towing service in that area to tow your car to the nearest exit. ERA can only render you service outside these exclusive areas. The cost of the initial towing may be reimbursed with BPI/MS if the towing is accident related, and up to the amount specified in the policy (i.e. Php1,500)


Q: What if my car needs towing in area outside Metro Manila?

A: Simply call the ERA HOTLINE (02) 687-85-85 and a towing service provider will be sent to you.


Q: How long does it take for a tow truck/mechanic to reach my vehicle?

A: Usually it takes 45 minutes to an hour if within Metro Manila. However, this may vary depending on the time of day, location and the traffic situation.


Q: What if the towing expense I incurred is more than Php3,500? Can I charge the remaining balance against my Reimbursement of Towing Expense covered by my policy?

A: Yes, as long as it is accident related. However, the Reimbursement Towing Expense covered by your policy will only shoulder Php 1,500. Anything in excess of the Php 1,500 will be shouldered by the policyholder.


Q: What are the areas of coverage?

A: The areas of coverage are: National Capital Region, Baguio, Quezon, Metro Cebu, Metro Davao, Batangas, Cavite, Laguna, Benguet, Bataan, Bulacan, Cabanatuan, La Union, Pampanga, Pangasinan, Rizal, Tarlac, Iloilo, Bacolod, Cagayan de Oro, and General Santos.


Q: Where can I get more information?

A: You can get more information through your servicing agents or you can call the nearest BPI/MS office.



Example: 2016 Model
Example: Toyota Innova 2.0 G. Be specific as possible.
If no plate number, use conduction sticker or temporary plate number
Example: BDO, BPI
Acts of God or Acts of Nature: Flood, Typhoone, Earthquake
Anything important that we need to know.


Raymund F. Camat is a licensed BPI/MS Insurance Agent. You can contact him at 09179698062/09392787408 (Mobile/Viber) , (02) 656-6233 (Landline) or  email him at raymund.camat@moneytalkph.com. His office address is BPI/MS Insurance Corporation, 16th Floor BPI-Philam Life Building, 6811, Ayala Avenue Makati City.


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