Motorcar Insurance

Scope of Cover
-Compulsory Third Party Liability (CTPL)
-Comprehensive Insurance

A. Own Damage
-Covers vehicle replacement or repair costs due to a covered accident.

B. Theft
-Protects against loss of whole insured vehicle or theft of declared accessories.

C. Excess Bodily Injury
-Covers legal liability due to bodily injury or death in excess of CTPL cover.

D. Property Damage
-Provides cover for legal liability resulting from damage to property of third party caused by insured vehicle.

E. Unnamed Passenger Personal Accident
-Protects driver and passengers of insure vehicle against injury or death from vehicular accident.

F. Road Assistance
-Road assistance is a value-added service that provides towing and other services in case of accidents or mechanical breakdown.

Optional Coverage:

G. Acts of Nature (AON)
-Covers damages against forces of nature such as typhoon, flood, earthquake or other convulsion of nature.

H. Strike, Riot and Civil Commotion
*Fixed Deductible of P2,000 for sedan or P3,000 for suv, van pick up and P3,000 for rainbow plate.