Terms and Conditions

This website, including all content or material found therein (this “Site”), is owned by PGA Sompo Insurance Corporation (the “Company”, “We”, “Us” or “Our”). Access to and use of the company’s site are subject to the terms and conditions stated below. Any person using our site (“Users”, “You”, or “Your”) are advised to read these terms and conditions carefully and to signify your acceptance if you agree and wish to proceed to our site. If you disagree, you may still contact us by email or phone if you are interested to know more about our products and services.

The company reserves the right to change these terms and conditions without prior notice. It is therefore advisable to visit our site as often as your personal circumstances require.

The following terms and conditions govern access to and use of the Company’s Site:


Information on this Site regarding our products and services does not necessarily represent complete descriptions of all the terms and conditions thereof. Specific details shall be provided in the policy documents issued to each customer. The Company shall not be liable for any damages arising from any action or decision taken by Users based on the product information found on this Site. We reserve the right to amend any information regarding our products and services posted on this Site without prior notice.


Payment for any insurance product or service availed of through this Site shall be through PesoPay. All payments shall be made in full using Visa or Mastercard.


Offer, acceptance of offer, payment and other legal requirements for the formation of insurance contracts made through this Site are valid and enforceable, and shall not be denied validity or enforceability on the sole ground that the offer, acceptance, payment and other legal requirements for the formation of contracts were expressed, demonstrated and proved by means of electronic documents.

As between the Company and this Site’s Users, a declaration of will or other statement shall not be denied legal effect, validity or enforceability solely on the ground that it is in the form of an electronic data message, or that any or all of the legal requirements for the formation of contracts is expressed, demonstrated and proved by means of electronic documents.

Both parties are entitled to regard the electronic data message or electronic document received as that which the sender intended to send and to act on that assumption.


The Company is committed to protecting the privacy of its users and customers, and strives to comply with the Data Privacy Act of 2012, its Implementing Rules and Regulations, and other relevant issuances of the National Privacy Commission. Please read the Company’s Privacy Policy for information on how we collect, use, store, share and dispose of your personal information.


This Site, or any part thereof, is owned by the Company and may not be reproduced, copied, distributed, sold, or otherwise used for commercial purposes without the Company’s permission. Nevertheless, this Site’s application form, brochure, standard policy, notification form, and other information/promotional materials may be used for personal and/or non-commercial purposes.


This Site is used for marketing of the Company’s products and services, facilitating requests for quotation, and submission of claims.

This Site may not be used to commit any of the following prohibited acts:

1. Hacking which refers to unauthorized access into or interference in a computer system/server or information and communication system; or any access in order to corrupt, alter, steal, or destroy a computer system/server or information and communication system, including the introduction of computer viruses and the like [Sec. 33(a) of Electronic Commerce Act of 2000];

2. Unauthorized copying, reproduction, dissemination, distribution, importation, use, removal, alteration, substitution, modification, storage, uploading, downloading, communication, or making available to the public of protected material, in a manner that infringes intellectual property rights [Sec. 33(b) of Electronic Commerce Act of 2000];

3. Offenses against the confidentiality, integrity and availability of computer data and systems under Sec. 4(a) of the Cybercrime Prevention Act of 2012: (1) Illegal Access. – The access to the whole or any part of a computer system without right. (2) Illegal Interception. – The interception made by technical means without right of any non-public transmission of computer data to, from, or within a computer system, including electromagnetic emissions from a computer system carrying such computer data. (3) Data Interference. — The intentional or reckless alteration, damaging, deletion or deterioration of computer data, electronic document, or electronic data message, without right, including the introduction or transmission of viruses. (4) System Interference. — The intentional alteration or reckless hindering or interference with the functioning of a computer or computer network by inputting, transmitting, damaging, deleting, deteriorating, altering or suppressing computer data or program, electronic document, or electronic data message, without right or authority, including the introduction or transmission of viruses.

4. Computer-related Offenses under Sec. 4(b) of the Cybercrime Prevention Act of 2012: (1) Computer-related Forgery. — (i) The input, alteration, or deletion of any computer data without right resulting in inauthentic data with the intent that it be considered or acted upon for legal purposes as if it were authentic, regardless whether or not the data is directly readable and intelligible; or (ii) The act of knowingly using computer data which is the product of computer-related forgery, for the purpose of perpetuating a fraudulent or dishonest design. (2) Computer-related Fraud. — The unauthorized input, alteration, or deletion of computer data or program or interference in the functioning of a computer system, causing damage thereby with fraudulent intent. (3) Computer-related Identity Theft. – The intentional acquisition, use, misuse, transfer, possession, alteration or deletion of identifying information belonging to another, whether natural or juridical, without right.

The Company reserves the right to suspend or block any User who commits any of the prohibited acts stated above without prejudice to the filing of a criminal case under applicable laws.


Any dispute arising from the use of this Site or from insurance contracts or policies issued by the Company shall be decided in accordance with applicable Philippine laws, and shall be filed in the appropriate court or tribunal of competent jurisdiction within the Philippines.