Motorcar Insurance

Overview

Motorcar insurance provides financial protection against losses arising from vehicle accidents, theft, natural disasters, and third-party liabilities. It helps vehicle owners manage repair costs, medical expenses, and legal responsibilities, ensuring peace of mind while on the road.

Who Should Be Covered?

  • Private car owners
  • Commercial vehicle owners
  • Company-owned and fleet vehicles
  • Motorcycle owners
  • New and used vehicle owners
  • Drivers required to comply with legal motor insurance requirements

Scope of Coverage

1. Own Damage Coverage

  • Accidental collision and overturning
  • Fire and explosion
  • Theft or burglary

2. Third-Party Liability

  • Bodily injury or death to third parties
  • Damage to third-party property

3. Acts of Nature

  • Flood, typhoon, earthquake, and other natural calamities

4. Personal Accident Coverage

  • Death or bodily injury to the driver and passengers

5. Additional Coverages (Optional)

  • Acts of Malicious Damage
  • Strike, Riot, and Civil Commotion
  • Towing and roadside assistance

Key Features

  • Comprehensive and third-party coverage options
  • Customizable add-on benefits
  • Coverage for both personal and commercial use
  • Fast and reliable claims assistance
  • Nationwide service support

Benefits of Motorcar Insurance

  • Protects employees or members from financial risk

  • Enhances employee satisfaction, loyalty, and retention

  • Provides financial security for families of covered members

  • Supports organizational compliance with labor or welfare regulations

  • Offers easy administration and simplified claims processing

Why Choose Motorcar Insurance?

  • Mandatory Coverage in the Philippines – Helps comply with LTO and CTPL insurance requirements for vehicle registration and renewal.

  • Protection from High Repair Costs – Covers expensive repairs caused by road accidents, which are common in heavy traffic areas.

  • Coverage Against Natural Disasters – Provides financial protection from floods, typhoons, earthquakes, and other calamities frequently experienced in the Philippines.

  • Third-Party Liability Protection – Covers bodily injury or property damage to pedestrians, passengers, and other road users.

  • Personal Accident Benefits – Supports medical expenses or compensation for drivers and passengers in case of injury or death.

  • Peace of Mind on Congested Roads – Offers confidence when driving in busy urban areas and highways nationwide.

  • Flexible and Affordable Options – Choose coverage and add-ons that match your vehicle use, budget, and driving habits.

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