FPG Mercantile hotline, claims and licence
FPG Mercantile Insurance Co., Inc. is a non-life insurance company. It was formerly The Mercantile Insurance Company, Inc..
Licensed. Certificate of Authority no. 2026/06-O.IC non-life insurer list dated Aug 31, 2026. Its 2025 gross premiums written of ₱9,393.9 million rank 4th of the 54 companies in the IC's non-life premium table. That is 6.3% of the ₱149.1 billion written by all non-life and composite insurers in 2025 (₱9,393.9 million ÷ ₱149.1 billion, IC non-life premium table).
- Call us (Monday to Friday, 8 AM to 5 PM)(02) 8859 1200
- Head Office(02) 7944 1300
FPG Mercantile hotline and claims
| customercare@fpgmercantile.com |
From FPG Mercantile's contact page.
- Report the incident within 24 to 48 hours using the online claims form.
- Upload the required documents, e.g. photos, police report if applicable, receipts.
- An adjuster reviews the claim and may schedule an inspection.
- Once approved, payment is released by bank transfer or check.
- Claim refused: you can file it with the IC instead of a court when it is ₱5,000,000 or less per claim (the limit since the 2013 amendment of the Insurance Code), not counting interest, costs and lawyer's fees. Either side can appeal to the Court of Appeals within 30 days.Insurance Code sec. 439
- If FPG Mercantile becomes insolvent: the IC's Security Fund pays allowed claims left unpaid, up to ₱20,000 per claim under the Insurance Code as amended in 2013.Insurance Code sec. 378
Complaints
- Write to FPG Mercantile first. Put the policy or plan number, what happened and what you want in one letter or email, and keep proof of the date.
- Then go to the Insurance Commission. The IC takes requests for assistance on claims and complaints through its public assistance forms, by email to publicassistance@insurance.gov.ph or by phone on (02) 8523-8461 local 103 or 127.
- Report anyone selling without a licence to the IC Regulation, Enforcement and Prosecution Division, repd@insurance.gov.ph.
FPG Mercantile products and plans
- TravelReady (International / Local)
- MotorReady (Motorcar Comprehensive)
- CTPLReady
- HomeReady
- CondoReady
- AcciProReady (Personal Accident)
- BizReady (SME Business)
Company details
- Licensed company
- FPG Mercantile Insurance Co., Inc.
- Certificate of Authority
- 2026/06-O
- Former name
- The Mercantile Insurance Company, Inc.
- Mergers
- Merged with FPG Insurance Co., Inc. effective 19 May 2026.
- Head office
- 2nd Floor, Mercantile Insurance Building, Gen. Luna cor. Beaterio Sts., Intramuros, Manila
- Official website
- fpgmercantile.com
- Licensed for: non-life insurance such as motor, property, fire, travel and surety bonds.
- Not licensed for: life insurance and VUL. Those come from the life list.
How tax applies to the policy
- Documentary stamp tax: fire, marine and other property insurance policies carry DST of ₱0.50 on each ₱4 of premium charged. See documentary stamp tax calculator.NIRC Sec. 184, in force since Jan 1, 1998
- Worked example: a fire insurance policy with a ₱10,000 premium. DST = ₱10,000 ÷ ₱4 = 2,500 units × ₱0.50 = ₱1,250 (Sec. 184).
Before you sign or pay
- Match the company and number. Your policy should name FPG Mercantile Insurance Co., Inc. and the licence number shown at the top of this page.
- Check the agent. Search their name in the agent check; the result should show FPG Mercantile Insurance and a licence end date that has not passed.
- Pay FPG Mercantile Insurance, not a person. Keep the official receipts issued in FPG Mercantile Insurance's name.
Questions
Is FPG Mercantile legit?
Yes. FPG Mercantile Insurance Co., Inc. is licensed by the Insurance Commission (licence 2026/06-O). A genuine policy names FPG Mercantile Insurance Co., Inc. and that number.
What is the FPG Mercantile hotline?
(02) 8859 1200 (Call us (Monday to Friday, 8 AM to 5 PM)), or (02) 7944 1300, as printed on fpgmercantile.com.
How do I file a claim with FPG Mercantile?
Start from the claims page on fpgmercantile.com, which lists the forms and documents for each claim type. If FPG Mercantile refuses a claim of ₱5,000,000 or less, you can file it with the Insurance Commission instead of a court (Insurance Code sec. 439).
Is FPG Mercantile the same company as The Mercantile Insurance Company, Inc.?
Yes. The IC list prints The Mercantile Insurance Company, Inc. as its former name, so policies issued under that name sit with FPG Mercantile Insurance Co., Inc.