Western Guaranty hotline, claims and licence
Western Guaranty Corporation is a non-life insurance company.
Licensed. Certificate of Authority no. 2025/58-R.IC non-life insurer list dated Aug 31, 2026. Its 2025 gross premiums written of ₱1,827.7 million rank 25th of the 54 companies in the IC's non-life premium table. That is 1.2% of the ₱149.1 billion written by all non-life and composite insurers in 2025 (₱1,827.7 million ÷ ₱149.1 billion, IC non-life premium table). 232 licensed agents sell for it on the IC agent lists of Sep 25, 2026, the 19th most of the 53 companies licensed to sell non-life insurance.
- Trunkline(02) 8241-7401
- Mobile Numbers0917-7161859 / 0917-7088361 / 0917-7161853
Western Guaranty hotline and claims
| customercare@westernguaranty.ph |
From Western Guaranty's contact page.
- 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 Western Guaranty 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 Western Guaranty 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.
Western Guaranty products and plans
- Motor Vehicle Insurance
- Fire and Allied Perils Insurance
- Personal Accident Insurance
- Marine Cargo Insurance
- Casualty
- Engineering
- Bonds
- Microinsurance
IC records
| Licensed agents, IC lists of Sep 25, 2026 | 232 |
|---|---|
| Agents with a non-life licence | 232 |
Company details
- Licensed company
- Western Guaranty Corporation
- Certificate of Authority
- 2025/58-R
- Head office
- 11th Floor, ETY Building, 484 Quintin Paredes Street, Binondo, Manila 1006
- Official website
- westernguaranty.ph
- 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 Western Guaranty Corporation 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 Western Guaranty and a licence end date that has not passed.
- Pay Western Guaranty, not a person. Keep the official receipts issued in Western Guaranty's name.
Questions
Is Western Guaranty legit?
Yes. Western Guaranty Corporation is licensed by the Insurance Commission (licence 2025/58-R). A genuine policy names Western Guaranty Corporation and that number.
What is the Western Guaranty hotline?
(02) 8241-7401 (Trunkline), or 0917-7161859 / 0917-7088361 / 0917-7161853, as printed on westernguaranty.ph.