This coverage protects and indemnifies the vehicle owner against loss or damage of the motor vehicle and its accessories and spare parts resulting from:

• Accidental collision or overturning.
• Fire, external explosion, self-ignition or lightning.
• Burglary, housebreaking or theft.
• Malicious acts.

This coverage, subject to the Limits of Liability pays all sums or expenses necessary to discharge the liability of the vehicle owner with respect to bodily injury and/or death to any Third Party, in an accident caused by or arising out of the use of the motor vehicle.

This coverage, subject to the Limits of Liability, will reimburse the vehicle owner for all sums actually paid by the vehicle owner to discharge liability in respect to bodily injury and/or death to a Third Party in an accident caused by the use of the motor vehicle when the Compulsory Third Party Liability (CTPL) limit has been exhausted.

This coverage, subject to the Limits of Liability, will pay for all sums necessary to discharge liability of the vehicle owner in respect to damage to a Third Party property in an accident caused by and arising out of the use of the motor vehicle.

This coverage pays for any claim of bodily injury and/or death to any Third Party in an accident caused by the use of the motor vehicle without the necessity of proving fault or negligence of any kind, but is not to exceed Php15,000.

This coverage protects the passenger (s), including the driver of the motor vehicle, against bodily injury resulting in death or disablement caused by an accident while operating, riding in, boarding or alighting from the insured vehicle.

ACTS OF GOD COVER

• This coverage protects and indemnifies the vehicle owner against loss of or damage to the motor vehicle and its accessories and spare parts resulting from flood, typhoon, hurricane, volcanic eruption, earthquake, and other natural catastrophes.