Procedures for Claims with Partner Providers

Understanding the claims process is crucial to ensure you receive the benefits you are entitled to under your motor vehicle insurance plan. We are committed to providing you with the support and guidance needed to navigate the claims process smoothly and efficiently.

Making a Claim:

1. Report & Submit Online: Initiate your claim by accessing our Online Claim Form. Complete the form by providing all necessary details about the incident and your policy information.
2. Documentation Support: A Policy and Account Manager (PAM) will be assigned to your case to help you gather and organize the required documentation.
3. Complete Guide: Refer to the complete guide to our claims process for detailed steps and additional information: The Complete Guide to the Reliable Claims Process.

Required Documents:

• Police report or notarized affidavit
• Certificate of Registration and Official Receipt
• Driver’s License and Official Receipt
• Repair estimate from an accredited dealer
• Pictures of the damaged vehicle

Process:

Submit all required documents to us for submission to the insurer for review and approval. Payment or reimbursement will be made according to policy terms.

Additional Provisions for Claims Settlement:

Private Car Policy:

• Authorized Driver: Any person driving on the insured’s order or with permission, provided they are licensed.
• Limitations as to Use: Use only for social, domestic, and pleasure purposes, and for the insured’s business or profession. Excludes hauling inflammable materials, racing, and use for hire or reward.
• Liability to the Public: Covers third-party liability arising from bodily injury and/or death, with an aggregate limit of ₱200,000.00 per occurrence.
• Loss or Damage: Covers accidental collision, fire, theft, malicious acts, and damage during transit. Settlement is based on the lesser of the cost of repairs or the vehicle's value.
• General Conditions: Includes requirements for reporting accidents, cooperating with the insurer, and submitting detailed estimates for repairs.

Motorcycle Policy:

• Authorized Driver: Any person driving on the insured’s order or with permission, provided they are licensed.
• Limitations as to Use: Similar to private car policy, excluding use for hazardous activities and specific material hauling.
• Liability to the Public: Covers third-party liability for bodily injury and/or death, similar to the private car policy.
• Loss or Damage: Covers accidental collision, fire, theft, malicious acts, and damage during transit. Settlement details include depreciation schedules and authorized repair limits.
• General Conditions: Includes similar reporting and cooperation requirements as the private car policy.

Commercial Vehicle Policy:

• Authorized Driver: Any person driving on the insured’s order or with permission, provided they are licensed.
• Limitations as to Use: Covers use for social, domestic, pleasure, and insured’s business. Excludes hauling specific materials, racing, and use for hire or reward.
• Liability to the Public: Covers third-party liability with a detailed schedule of indemnities, including amounts for death, bodily injuries, and property damage.
• Loss or Damage: Detailed coverage for accidental collision, fire, theft, malicious acts, and damage during transit. Settlement includes provisions for depreciation and maximum payable amounts.
• General Conditions: Includes reporting accidents, cooperating with insurer, and specific procedures for claims settlement, similar to other vehicle policies.