Making a Claim

Our simple claims process ensures you can get the support you need quickly and efficiently when it matters the most. Follow these steps to initiate your claim:

Required Documents:

• Required Claim Form: A fully completed form the insurer requires to initiate and efficiently process your claim.
• Police Report or Notarized Affidavit: An official document detailing the incident, either from the police or a notarized statement, to verify the events leading to the claim.
• Certificate of Registration and Official Receipt: Proof of vehicle ownership, including registration details and receipt of payment, for claim verification.
• Driver’s License and Official Receipt: A valid driver’s license and proof of renewal, confirming that the driver was legally authorized to operate the vehicle at the time of the incident.
• Repair Estimate from an Accredited Dealer: An official estimate from an accredited repair shop or dealer outlining the costs for repairing the damaged vehicle.
• Pictures of the Damaged Vehicle: Clear photographs of the damaged areas of the vehicle to document the extent of the damage for the claim.

Claims Process:

1. Report Your Claim: Report your claim by calling or messaging +63 917 175 9028, contacting us via FB Messenger, or using our Online Claim Report.
2. Complete Claim Requirements: Gather the necessary documents. Our Policy and Account Manager (PAM) will help you collect and organize everything needed to ensure your claim is completed successfully.
3. Submit Required Documents: Submit all required documents to us. We will forward them to the insurance provider for review and approval. Payment or reimbursement will be processed according to your policy terms.

Complete Guide: For more detailed steps and additional information, refer to our Complete Guide to the Reliable Claims Process.

Additional Provisions for Claims Settlement:

To ensure smooth and efficient claims processing, we have outlined specific provisions that need to be adhered to:

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 the insurer, and specific procedures for claims settlement, similar to other vehicle policies.

Other Provisions:

• Timely Reporting: Promptly report any incident within the specified timeframe to initiate the claims process without delays.
• Accurate Documentation: Ensure all required documentation is complete, accurate, and submitted promptly for faster processing.
• Comprehensive Reporting: Provide detailed accounts of incidents, supported by police reports, medical records, and photographs as necessary.
• Preservation of Evidence: Retain any damaged goods or supporting evidence until the claim is fully processed and settled.
• Professional Estimates: Secure clear and professional estimates for repair or replacement of damaged items, ensuring all documentation is thorough and detailed.
• Open Communication: Stay in regular contact with your Policy and Account Manager (PAM) to receive updates and guidance throughout the claims process.
• Compliance with Policy Terms: Ensure all claims adhere to the terms, conditions, and coverage limits outlined in your insurance policy.
• Adherence to Legal Requirements: Follow all relevant legal guidelines, including obtaining necessary permits, and certifications, and complying with any regulations tied to the claims process.

By adhering to these provisions, you can help ensure that your claim is processed efficiently and in accordance with your policy.