Protect Your Vehicle
Understand Perla’s motor insurance options for private, commercial, and passenger vehicles.
- Compare CTPL and optional motor coverages
- Review coverage before asking about a policy
Non-life insurance since 1963
Protect what
matters most.
Explore non-life insurance for vehicles, property, personal accident, cargo, and engineering risks.
Protection for every journey
Latest at Perla
Featured Updates
How can we help?
Choose the support you need
Manage Your Policy
Get help with renewal and verified payment instructions for an existing policy.
- Have your policy details ready when contacting Perla
- Use only payment instructions confirmed by Perla
Claims & Assistance
See how to report a motor claim and which documents may be required for your claim type.
- Requirements vary by claim type
- The status preview accesses no real claim record
Featured insurance products
Coverage for vehicles, property, people, cargo, and projects
Explore five featured Perla non-life insurance categories. Coverage is subject to underwriting and the terms, conditions, limits, and exclusions of the issued policy.
Motor Car Insurance
Protection for private cars, commercial vehicles, land transportation units, and passenger vehicles.
View Product DetailsAvailable coverages include CTPL, Loss & Damage, Acts of Nature, Third Party Property Damage, Excess Liability for Death or Bodily Injury, and Auto Personal Accident, subject to policy terms.
Fire & Allied Perils
Property protection for homes, offices, and business premises.
View Product DetailsThe standard policy covers fire and lightning. Extensions may cover specified allied perils, subject to the issued policy.
Personal Accident
Accident protection for individuals, families, employees, groups, and associations through available plans.
View Product DetailsDepending on the plan, benefits may include accidental death, permanent disablement, accident medical expenses, and accident monthly income.
Marine Cargo
Protection for goods transported by land, sea, air, or combined transport modes.
View Product DetailsCoverage can address insured loss or damage during domestic, overseas, and multimodal transit, subject to covered risks and exclusions.
Engineering Insurance
Protection for construction, installation, electronic equipment, and machinery risks.
View Product DetailsAvailable products include Contractors All Risks, Erection All Risks, Electronic Equipment Insurance, and Machinery Breakdown Insurance.
About Perla Insurance
Values that guide the company
Perla's official company profile identifies integrity, service excellence, and financial stability as its core values.
Read Our Company ProfileIntegrity
A stated company valueHonoring commitments and being honest and fair in dealings
Service
Service excellenceBuilding customer relationships through accessible assistance
Stability
Financial stabilityA stated commitment to long-term organizational strength
Payment guidance
How to pay via QRPh
Use Perla Insurance's official QR Ph QR code for policy payments. Confirm the payee, policy reference, and amount before completing your payment.
- Use only a QR code supplied through an official Perla channel
- Confirm the payee, policy reference, and amount before paying
- Keep the transaction confirmation and ask about receipt posting
Click to zoom QR
How it works
- 1. Request official instructionsContact Perla or your branch and have your exact policy details ready.
- 2. Verify the payment detailsConfirm the payee, policy reference, and amount through an official Perla channel.
- 3. Scan the official QRPh codeUse a participating bank or e-wallet only after confirming that the code came from Perla.
- 4. Keep confirmationSave the transaction confirmation and ask Perla about receipt or posting confirmation.
Published service experiences
What customers value
Testimonial summary: Their team was incredibly understanding and supportive throughout the entire process, making sure that I received the help I needed. They were always available to answer any question I had, and they made the claims process as seamless as possible.
Arnold PausalExperience with Perla’s Current Claim Process
Testimonial summary: I have been a client of Perla Insurance since August 2022. On Nov. 14, 2022, I reached out to ask about my term of coverage since my bank needed it to adjust the date. I truly appreciate their prompt answer, and they immediately resolved my issue. They sent it to my bank on my behalf. And because of their quick service, I would gladly recommend Perla Insurance Company to my friends.
Evanny B. TutoPNP Officer
Testimonial summary: I have been a loyal client of Perla Insurance for more than 3 decades since 1990. I prefer them over other insurance because of their fast and personalized assistance to my claims. Their customer service is excellent.
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Mr. Miguel UyBusinessman
Testimonial summary: Their team was incredibly understanding and supportive throughout the entire process, making sure that I received the help I needed. They were always available to answer any question I had, and they made the claims process as seamless as possible.
Arnold PausalExperience with Perla’s Current Claim Process
Testimonial summary: I have been a client of Perla Insurance since August 2022. On Nov. 14, 2022, I reached out to ask about my term of coverage since my bank needed it to adjust the date. I truly appreciate their prompt answer, and they immediately resolved my issue. They sent it to my bank on my behalf. And because of their quick service, I would gladly recommend Perla Insurance Company to my friends.
Evanny B. TutoPNP Officer
Testimonial summary: I have been a loyal client of Perla Insurance for more than 3 decades since 1990. I prefer them over other insurance because of their fast and personalized assistance to my claims. Their customer service is excellent.
Mr. Miguel UyBusinessman
Common questions
Frequently asked questions
Quick answers about motor coverage, claims, and renewals.
Ask Customer SupportVehicle insurance is essential for every car owner for several important reasons:
- It is illegal to drive a vehicle in the Philippines without at least Compulsory Third Party Liability (CTPL) insurance.
- Vehicle insurance provides financial protection and peace of mind.
- If a vehicle is financed or mortgaged, most banks require comprehensive insurance coverage.
- Without insurance, vehicle repairs and other related expenses can be very costly.
- Having proper insurance coverage can help protect you from potential legal and financial difficulties.
A deductible, also known as a participation fee, is the amount you are required to pay out of pocket before the insurance company covers the remaining eligible cost of a claim.
Insurance providers charge a deductible for several reasons:
- Encourages driver responsibility.
- Helps prevent fraudulent claims.
- Discourages claims for minor damages or expenses.
- Encourages proper care and maintenance of the insured vehicle.
No. Acts of Nature coverage is an optional benefit and must be purchased separately, depending on the policy and coverage selected.
It may provide protection against natural events such as:
- Floods
- Earthquakes
- Typhoons
- Volcanic eruptions
- Fire
