1

Contents
2

Welcome Letter 3

Contents
Private Car Policy Terms and Conditions 4

Warranties and Clauses

03
11
Motor Vehicle Accessory Endorsment
Drunken Driver Clause

11
Pair & Set Clause
Terrorism Exclusion Clause
Date Recognition Clause
Co-Insurance Clause
Importation Clause
Acts of Nature Endorsement
Riot, Strike and Civil Commotion Clause
Personal Accident Insurance for Unnamed
Drivers/Occupants

What To Do In Case Of A Claim 16

16
Motor Claim Document Checklist 20

22
Important Notice to the Client

25
Please be informed that non-payment of premiums
due on this policy shall render this policy null and void
without further notice to you.

In the event that you paid directly to your agent,

broker, or dealer, please make sure you have
received the official receipt issued by Standard
Insurance.

Data Privacy Policy

In compliance with Data Privacy Act of 2012 and
its implementing Rules and Regulations effective
September 9, 2016, I/We, aassured individual/
corporation, allow Standard Insurance Co., Inc.
to collect, store and process my/our information
to provide me/us certain services declared in
relation to my/our insurance policy application,
and likewise consent to the Privacy Policy found at
www.standard-insurance.com/privacy-policy.html
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Welcome
Dear Valued Standard Insurance Policyholder,

Thank you for choosing Standard Insurance as your insurance provider in securing
your property. As our valued Policyholder, you are now part of our legacy of superior
service spanning over 60 years and our commitment to protecting and serving you.

We work in partnership with our insurance intermediaries to ensure you receive

the highest levels of product and service excellence. Standard Insurance has
various non-life insurance products to cater to your different needs. Should you be
interested in any of them, please feel free to visit any of our branches or contact
your servicing agent. You may also visit www.standard-insurance.com.

If you need to make a claim, you will be in safe hands. Our professionally trained
associates will be available to assist you promptly and fairly.

Should you need further details or have any questions, we will be delighted to help.
For any inquiries, comments, or suggestions on how we can serve you better, please
do not hesitate to contact us through our Customer Service Hotline at (02) 8845-1111
or through any of our branches nationwide.

Welcome to Standard Insurance!

John B. Echauz
President and CEO
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AUTHORIZED DRIVER:

Any of the following:

(a) The Insured
(b) Any person driving on the Insured’s order or with his permission.

Provided that the person driving is permitted, in accordance with the licensing law or other regulations, to
drive the Scheduled Vehicle, or has been permitted and is not disqualified by order of a Court of Law or by
reason of any enactment or regulation in that behalf, provided that for Sections I and II only of this Policy an
authorized driver shall include a duly licensed driver but whose license at the time of the accident had expired.

LIMITATIONS AS TO USE:
Use only for social, domestic and pleasure purposes, and for the Insured’s business or profession.
This policy does not cover
(1) Use for the hauling and/or carrying of logs, lumber, sand, gravel, bottled beverages, gasoline products
and/orother inflammable articles or materials.
(2) Use for racing, pacemaking, reliability trial or speed testing.
N. B. Provided that limitations (1) and (2) above may be deleted and the risks named therein covered by
this Policy upon agreement by, and payment of 20% additional premium to the Company.
(3) Use for the carriage of PASSENGERS or for hire or reward.
(4) Use for any purpose in connection with the Motor Trade.
SECTIONS I and II of this Policy cover THIRD PARTY liability arising from bodily injury and/or death in amounts set
forth under the Schedule of Indemnities.

WHEREAS THE INSURED, by his corresponding proposal and declaration, and which shall be the basis of this
Contract and deemed incorporated herein, has applied to the company for the insurance hereinafter contained,
subject to the payment of the Premium as consideration for such insurance.

NOW THIS POLICY WITNESSETH:

That, in respect of events occurring during the period of Insurance, and subject to the terms, exceptions and
conditions contained herein or endorsed hereon (hereinafter collectively referred to as the Terms of this Policy)

SECTION I - LIABILITY TO THE PUBLIC

1. The Company will pay all sums necessary to discharge liability of the Insured, arising from all expenses and
damages directly resulting from any bodily injury and/or death to any Third Party (excluding all moral, exemplary
and other incidental damages, expenses and loss of income) in an accident caused by the use of the Scheduled
Vehicle, provided that the Insured’s liability shall have first been determined, but not exceeding in the aggregate
P100,000 per occurrence or any one occurrence, regardless of the number of individual-claims.
2. In terms of and subject to the limitations of this Policy, the Company will indemnify:
(a) Any authorized Driver who is driving the Scheduled Vehicle, provided that he:
(i) Observes, fulfills, and be subject to the Terms of this Policy insofar as they can apply;
(ii) is not entitled to indemnity under any other policy subject, however, to Condition No. 8 of the Conditions
Applicable To All Sections;
(b) The insured whilst personally driving a private motor car not belonging to him and not hired to him under
a hire purchase agreement.
3. In the event of the death of any person entitled to indemnity under this Policy the Company will, in respect
of the liability incurred to such person indemnify his personal representatives in terms of, and subject to the
terms and conditions hereof.
4. In the event of accident involving indemnity under this Policy to more than one person, the Limits of
Liability shall not exceed the aggregate amount so specified by Law to all persons to be indemnified. Should
indemnification both to liability of the Insured and that of another party (as provided under Authorized Driver)
be provable, the Insured’s shall have prior right thereto.
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5. Unless the Insured objects, the Company shall:

(a) arrange for representation at any inquest or investigation in respect of any death which may be the
subject of indemnity under this Section;
(b) Undertake the defense in the Insurance Commission under Section 398 of the Insurance Code, or in
any court of law, for alleged offenses causing, or relating to, any event which may be the subject of
indemnity under this Section.

SCHEDULE OF INDEMNITIES FOR BODILY INJURY AND/OR DEATH

The following Schedule of Indemnities shall be observed in the settlement of claims for death, bodily
injuries and professional fees and hospital charges for services rendered to traffic accident victims under the
Compulsory Motor Vehicle Liability Insurance Coverage.

A. DEATH INDEMNITY P 70,000.00 C. PERMANENT DISABLEMENT AMOUNT

Burial and Funeral Expenses 30,000.00 Loss of or Loss of Use of:
Two Limbs P 50,000.00
B. BODILY INJURIES AND FRACTURES Both hands, or all fingers
& both thumbs 50,000.00
Types of Accommodation or Maximum Both Feet 50,000.00
Professional Attendance Reimbursable Fees One hand & one Foot 50,000.00
Extended Services Rendered and/or Charges Sight of both Eyes 50,000.00
Injuries resulting in being 50,000.00
permanently bedridden
1. Hospital Rooms Maximum of 45 days P 500.00/day Any other injury causing 50,000.00
per accident permanent total disablement
Laboratory Examination fees, 2,000.00 Arm at or above elbow 20,000.00
X-rays Arm between elbow and wrist 15,000.00
Hand 15,000.00
2. Surgical Expenses Major Operation 7,500.00 Four fingers and thumb of one hand 15,000.00
Medium Operation 5,000.00 Four fingers 12,000.00
Minor Operation 1,500.00 Leg at or above knee 20,000.00
Leg below knee 15,000.00
3. Anaesthesiologist’s Major Operation 2,500.00 One foot 15,000.00
Fees Medium Operation 2,000.00 All toes on one foot 10,000.00
Minor Operation 500.00 Thumb 8,000.00
Index Finger 6,000.00
4. Operating Room Major Operation 1,500.00 Sight of one Eye 20,000.00
Medium Operation 1,000.00 Hearing - both Ear 30,000.00
Minor Operation 500.00 Hearing - one Ear 15,000.00
5. Medical Expenses For daily visits of
Practitioner or Specialists 400.00/day
D. OTHER INCIDENTAL EXPENSES
The total amount
of medical expenses must 5,000.00 The Company will pay all pertinent and reasonable
not exceed expenses incurred in connection with the accident not
(For a single period of confinement) provided under this Schedule of Indemnities (A), (B),
and (C), subject to a maximum amount of P10,000.00
6. Drugs and Medicine Actual value of drugs and medicine but in no case shall the company’s aggregate payment
used but not to exceed 20,000.00 exceed the overall Limits of Liability under Sections I
and II.
7. Ambulance Actual amount charged for ambulance
transport but not to exceed 1,500.00
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SECTION II - NO FAULT INDEMNITY

The Company will pay any claim for bodily injury and/or death to any THIRD PARTY without the necessity of
proving fault or negligence of any kind, provided that:

(a) the total indemnity in respect of any one THIRD PARTY shall not exceed Fifteen Thousand Pesos,
subject to the foregoing Schedule of Indemnities in case of death or physical injury, without prejudice to
the claimant from pursuing his claim further, in which case he shall not be required or compelled by the
Company to execute any Quit Claim or document releasing it from liability under the policy of insurance.
(b) The following proofs of loss, when submitted under oath, shall be sufficient evidence to substantiate the
claim;
(i) Police report of accident or any evidence sufficient to establish the accident, and
(ii) Medical report and evidence of medical or hospital expenses and/or;
(iii) Death Certificate and evidence sufficient to establish the proper payee.

SECTION III - LOSS OR DAMAGE

1. The Company will, subject to the Limits of Liability, indemnify the Insured against loss of or damage to the
Scheduled Vehicle and its accessories and spare parts whilst thereon:
(a) by accidental collision or overturning, or collision or overturning consequent upon mechanical breakdown
or consequent upon wear and tear;
(b) by fire, external explosion, self-ignition or lightning or burglary, housebreaking or carnapping, or any
unlawful taking of the car accessories or any part whilst thereon, but excluding those committed by an
employee of the insured or any person or persons to whom the Scheduled Vehicle has been entrusted;
(c) by malicious act;
(d) whilst in transit (including the processes of loading and unloading) incidental to such transit by road, rail,
inland waterway, lift or elevator.

2. At its own option, the Company may pay in cash the amount of the loss or damage, or may repair, reinstate
or replace the Scheduled Vehicle or any part thereof or its accessories or spare parts. The Liability of the
Company shall not exceed the value of the parts lost or damaged and the reasonable cost of fitting such
parts or the value of the Scheduled Vehicle at the time of the loss or damage, whichever is the less. The
Insured’s estimate of value stated in the Schedule shall be the maximum amount payable by the Company in
respect of any claim for loss or damage.

3. In the event of a claim being payable under Section III of this Policy for the cost of replacement parts, the
amount of settlement shall be the cost of brand new part(s) to replace the damaged part(s) of the insured
vehicle less the share of the Insured on the cost of the replacement parts computed based on the following
depreciation schedule.

Age of Vehicle Rate of Depreciation Age of Vehicle Rate of Depreciation

(Share of the Insured) (Share of the Insured)

Up to 3 years Nil Over 6 years up to 7 years 35%

Over 3 years up to 4 years 20% Over 7 years 40%
Over 4 years up to 5 years 25% Batteries, Tires, Ball Joints, Tie Rods and
Over 5 years up to 6 years 30% Shock Absorbers (for Vehicles over three
(3) years old) 45%

It is further declared and agreed that in case of the total loss of the vehicle insured this Clause shall not apply
but the settlement shall be based on the provisions of Section III, Paragraph No. 2 of the Policy.

4. If the Scheduled Vehicle is disabled by reason of loss or damage insured under this Policy, the Company will,
subject to the Limit of Liability for towing, bear the reasonable cost of protection and removal to the nearest
repairer.
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5. The Insured may authorize the repair of the Scheduled Vehicle necessitated by damage for which the Company
may be liable under this Policy, provided that:
(a) the estimated cost of such repair does not exceed the Authorized Repair Limit and;
(b) a detailed estimate of the cost is forwarded to the Company without delay.
6. In the event of loss or damage to the Scheduled Vehicle or its accessories or spare parts necessitating the
supply of a part not obtainable from stocks held in the Philippines, or in the event of the Company exercising
the option under Paragraph 2 to pay in cash the amount of the loss or damage, the liability of the Company in
respect of any such part shall be limited to:
(a) i) the price quoted in the latest catalogue or price list issued by the Manufacturer or his Agents
for the Philippines or
ii) if no such catalogue or price list exists, the price last obtained at the Manufacturer’s Works
plus the reasonable cost of transport other than by air, to the Philippines, and the amount of
the relative import duty, and:
(b) the reasonable cost of fitting such part.
7. This policy shall be operative whilst the Scheduled Vehicle is being used for the purpose of towing any
one disabled mechanically propelled vehicle provided that:
(a) such towed vehicle in not towed for reward;
(b) the company shall not be liable in respect of damage to such towed vehicle or property being
conveyed thereby.

EXCEPTIONS TO SECTION III

The Company shall not be liable to pay for:
1. Loss or Damage in respect of any claim or series of claims arising out of one event, the first amount of each
and every loss for each and every vehicle insured by this Policy, such amount being equal to one half
of one percent (0.50%) of the Insured’s estimate of Fair Market value as shown in the Policy Schedule with a
minimum deductible amount of PHP2,000.00;
2. Consequential loss, depreciation, wear and tear, mechanical or electrical breakdowns, failures or breakages;
3. Damage to tires, unless the Scheduled Vehicle is damaged at the same time;
4. Any malicious damage caused by the Insured, any member of his family or by a person in the Insured’s service.

SECTION IV - EXCESS LIABILITY INSURANCE

1. The Company will, subject to the Limits of Liability, reimburse the Insured for all sums actually paid by
the Insured to discharge liability in accordance with all the provisions of Section I except the Limits of Liability
for Section I but only in excess of:
(a) The Limits of Liability for Sections I and II of this Policy, when such limits have been exhausted or;
(b) The liability limits required for the Scheduled Vehicle under Section 390 of the Insurance Code, as
amended in the event no coverage exists as described in paragraph (a) above. Coverage under this
paragraph is not subject to the Schedule of Indemnities under Section I.
2. The Company will, subject to the Limits of Liability, pay all sums necessary to discharge liability of the Insured,
in respect of damage to Third Party property in an accident caused by and arising out of the use of the
Scheduled Vehicle, or in connection with the loading or unloading of the Scheduled Vehicle, provided that
the Insured’s liability shall have first been determined either by final court judgement after actual trial, or by
written agreement of the Insured, the Claimant, and the Company. Provided further, that the Company shall
not be liable in respect of damage to property belonging to the Insured, or held in trust by, or in the custody or
control of the Insured or any member of the Insured’s household, or being conveyed by the Scheduled Vehicle.
For the purpose of this paragraph, Scheduled Vehicle shall include any Private Car whilst being personally
driven by the Insured not belonging to him and not hired to him under a hire purchase agreement.

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GENERAL EXCEPTIONS
The Company shall not be liable under any Section of this Policy in respect of:
1. Any Accident, or liability caused, or incurred
(a) outside the Republic of the Philippines;
(b) whilst the Scheduled Vehicle is;
(i) being used otherwise than in accordance with the limitations as to Use;
(ii) being driven by any person other than an Authorized Driver;
(iii) on board a sea vessel on inter-island transit;
2. Any liability which attached by virtue of an agreement but which would not have attached in the absence of
such agreement, except liability arising out of an on the spot agreement or amicable settlement of minor
accident to avoid impairing the flow of traffic.
3. Except in respect of claims arising under Sections I and II of this policy, any accident, loss, damage or
liability directly or indirectly, proximately or remotely occasioned by, contributed to by or traceable to,
or arising out of, or in connection with flood, typhoon, hurricane, volcanic eruption, earthquake or other
convulsion of nature, invasion, the act of foreign enemies, hostilities or warlike operations (whether war be
declared or not), strike, riot, civil commotion, mutiny, rebellion, insurrection, military or usurped power, or by
any direct or indirect consequences of any of the said occurrences and in the event of any claim hereunder,
the Insured shall prove that the accident, loss or damage or liability arose independently of, and was in no
way connected with, or occasioned by, or contributed to, any of the said occurrences, or any consequence
thereof, and in default of such proof, the Company shall not be liable to make any payment in respect of such
a claim.
4. Any sum which the Insured would have been entitled to recover from any party but for an agreement between
the Insured and such party.
5. Bodily injury and/or death to any person in the employ of the Insured arising out of and in the course of such
employment, or bodily injury and/or death to any member of the Insured’s household who is riding in the
Scheduled Vehicle.
DEFINITIONS
1 . MOTOR VEHICLE is any vehicle as defined in Section Three, paragraph (a) of Republic Act - Numbered Four
Thousand One Hundred Thirty Six, otherwise known as the “Land Transportation and Traffic Code”.
2. THIRD PARTY is any person other than a PASSENGER as defined in the law and shall also exclude a member
of the household, or a member of the family within the second degree of consanguinity or affinity, of a motor
vehicle owner or his employee in respect of death, bodily injury or damage to property arising out of and in
the course of employment.

CONDITIONS APPLICABLE TO ALL SECTIONS

1. This Policy and the Schedule shall be read together, as one contract, and any word or expression to which
a specific meaning has been attached in any part of this Policy or of the Schedule shall bear such specific
meaning wherever it may appear.
2. Every notice or communication to be given or made under this Policy shall be delivered in writing to the
Company.
3. The Insured shall take all reasonable steps to safeguard the Scheduled Vehicle from loss or damage and to
maintain the Scheduled Vehicle in efficient condition, and the Company shall have at all times free and full
access to examine the Scheduled Vehicle or any part thereof or any driver or employee of the Insured.
In the event of any accident or breakdown, the Scheduled Vehicle shall not be left unattended without proper
precaution being taken to prevent further loss or damage and if the Scheduled Vehicle be driven before the
necessary repairs are effected, any extension of the damage or any further damage to the Scheduled Vehicle
shall be excluded from the scope of the indemnity granted by this Policy.
4. In the event of any accident which may give rise to a claim under this Policy, the Insured shall, as soon as
possible, give notice thereof to the Company with full particulars. Every letter, claim, writ, summons and process
shall be notified or forwarded to the Company immediately on receipt. Notice shall also be given to the
Company immediately as soon as the Insured shall have knowledge of any impending prosecution,
inquest or fatal inquiry in connection with any such occurrence. In case of carnapping or other criminal
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act which may give rise to a claim under this Policy, the Insured shall give immediate notice to the Police and
cooperate with the Company in securing the conviction of the offender.
5. Without prejudice to No. 2 of the General Exceptions, no admission, offer, promise or payment shall be
made by or on behalf of the Insured without the written consent of the Company which shall be entitled to
take over the conduct in his name the defense or settlement of any claim, or to prosecute in his name
for its own benefit any claim for indemnity or damages or otherwise, but shall not exercise any discretion
prejudicial to the interest of the insured in the conduct of any proceedings in the settlement of any claim,
and the insured shall give all such information and assistance as the Company may require. If the Company
shall with the consent of the Insured make any payment in settlement of any claim, and such payment includes
any amount not covered by this Policy, the Insured shall repay the Company the amount not so covered.
6. At any time after the happening of any event giving rise to a claim or series of claims under this Policy, the
Company may pay to the Insured and the Third Party claimant jointly the full amount of the Company’s liability
and relinquish the conduct of any defense, settlement or proceedings, and the Company shall not be
responsible for any damage alleged to have been caused to the Insured in consequence of any alleged
action or omission of the Company in connection with such defense, settlements or proceedings or of the
Company relinquishing such conduct, nor shall the Company be liable for any costs or expenses whatsoever
incurred by the Insured or any claimant or other person after the Company shall have so relinquished.
7. The Company may cancel this Policy in accordance with Sections 64, 65, and 393 of the Insurance Code,
in which case, the Company shall thereupon return to the Insured premiums paid less the pro rata portion
thereof for the period when the Policy has been in force. The Insured may, at any time, cancel the Policy by
surrendering it to the Company and (provided no claim has arisen during the then current period of
Insurance) the insured shall be entitled to a return of the premium at the Company’s Short Period Rates for
the period when the policy has been in force. However, in respect of Sections I and II, the cancellation made
by the Insured shall not be effective unless he has secured a similar policy of insurance or surety bond
to replace the policy to be cancelled or make a cash deposit in sufficient amount with the Commissioner
and without any gap file within five (5) working days from the date of cancellation the required
documentation with the Bureau of Land Transportation in accordance with Section 394 of the Insurance Code.
8. If, at the time any claim arises under this Policy, there is any other insurance covering the same loss, damage
or liability, the Company shall not be liable to pay or contribute more than its ratable proportion of any
loss, damage, compensation, costs or expenses. Provided always that nothing in this Condition shall impose
on the Company any liability from which, but for this Condition, it would have been relieved under proviso (ii)
of Section I-2 (a) of this Policy.
9. Except in case of claims arising under Sections I and II of this Policy, if any difference or dispute shall arise
with respect to the amount of the Company’s liability under this Policy, the same shall be referred to the
decision of a single arbitrator, to be agreed upon by both parties or, failing such agreement of a single
arbitrator, to the decision of two arbitrators, one to be appointed in writing by each of the parties within
one calendar month after having been required in writing to do so by either of the parties and, in case
of disagreement between the arbitrators, to the decision of an umpire who shall have been appointed in
writing by the arbitrators, before entering on the reference, and the costs of and expenses incidental to the
reference shall be dealt with in the award. And it is hereby expressly stipulated and declared that it shall
be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrators
or umpire of the amount of the Company’s liability hereunder, if disputed, shall be first obtained. If a claim
be made and rejected, and an action or suit be not commenced within twelve months after such rejection,
or in case of an arbitration taking place as provided herein, within twelve months after the arbitrator or
arbitrators or umpire shall have made their award, then the claim shall, for all purposes, be deemed to
have been abandoned and shall not hereafter be recoverable hereunder. Provided, however, that in case of any
dispute in the enforcement of the provisions of Section I and II of this Policy, the adjudication of such dispute
shall be within the original and exclusive jurisdiction of the Insurance Commissioner, subject to the limitations
provided in Section 439 of the Insurance Code, as amended.
10. The due observance and fulfillment of the Terms of this Policy, insofar as they relate to anything to be
done or not to be done by the Insured, and the truth of the statements and answer in the proposal, shall be
conditions precedent to any liability of the Company to make any payment under this Policy.
11. In the event that the Company should pay or be held liable to pay any claim or claims under the “No Fault”
10

provision of the Insurance Code, the Insured shall reimburse the Company all such sums, whenever the
Insured or his authorized driver or representative has committed a breach of any of the warranties, clauses
or conditions of the Policy, or whenever the circumstances fall under any of the EXCEPTIONS listed in the
Policy, for which the Company would not have been liable were it not for the application of the “No-Fault”
provision of the Insurance Code.

NUCLEAR EXCLUSIONS CLAUSE

1. This Policy does not cover:
(a) Loss or destruction of, or damage to any property whatsoever or any loss or expense whatsoever resulting
or arising therefrom, or any consequential loss;
(b) Any legal liability of whatsoever nature, directly or indirectly caused by, or contributed to by, or arising
from, ionizing radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste
from the combustion of nuclear fuel. For the purpose of this exclusion only combustion shall include any
self-sustaining process of nuclear fission.
2. The indemnity provided by this Policy shall not apply to nor include any loss, destruction, damage or legal
liability directly or indirectly caused by or contributed to, by, or arising from, nuclear weapons material.

CIVIL CODE ARTICLE 1250 WAIVER CLAUSE

IT IS HEREBY DECLARED AND AGREED that the provision of Article 1250 of the Civil Code of the Philippines
(Republic Act No. 386) which reads:
“In case an extraordinary inflation or deflation of the currency stipulated should supervene, the value of the
currency at the time of the establishment of the obligation shall be the basis of payment . .” shall not apply in
determining the extent of liability under the provisions of this Policy.

SHORT PERIOD RATE SCALE

It is hereby agreed, in the event this Policy is surrendered by the Insured for cancellation, the Company shall
retain a premium in accordance with the following scale for the time the Policy has been in force:

No. of Month/s 1 2 3 4 5 6 7 8 9 10 11

Percentage 20 30 40 50 60 70 75 80 85 90 95

IMPORTANT NOTICE
The Insurance Commissioner, with offices in Manila, Cebu and Davao is the Government official in-charge of
the faithful execution and enforcement of all laws relating to insurance and has supervision over insurance
companies. He is ready at all times to render assistance in settling any controversy between an insurance
company and a policyholder relating to insurance matters.
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WARRANTIES & CLAUSES

MOTOR VEHICLE ACCESSORY ENDORSEMENT
It is hereby declared and agreed that this policy does not cover any accessory whether standard or not to MAKE/
MODEL of the insured vehicle unless such accessory is one of those declared on the Policy.

DRUNKEN DRIVER CLAUSE

It is hereby understood and agreed that the company shall not indemnify the assured in respect of claim/s
arising from accidents while driver of the Insured vehicle is under the influence of intoxicating liquor, drugs,
chemicals and the like.

PAIR & SET CLAUSE

It is understood and agreed that in the event of loss or damage to any accessory or accessories, spare part or
spare parts forming part of a pair or set, the measure of loss or damage to such accessory or spare part shall be
its reasonable and fair proportion to the total value of the pair or set, giving consideration to the importance of
said accessories or spare parts, but in no event shall such loss or damage be construed to mean a total loss of
the pair or set.

TERRORISM EXCLUSION CLAUSE

1. Notwithstanding any provision to the contrary in this Policy or in any endorsement thereto the Company shall
not be liable for any loss, damage, cost, expense or consequential loss of whatsoever nature directly or
indirectly caused by, contributed to by, resulting from, or arising out of or in connection with:
1.1. any act of terrorism regardless of any other cause or event contributing concurrently or in any other
sequence to the loss.
1.2. any action in controlling, preventing, suppressing, retaliating against or responding to any such act of
terrorism.

2. For the purpose of this endorsement, an act of terrorism includes any act, preparation or threat of action of
any person or group(s) of persons whether acting alone or on behalf of or in connection with any organization(s)
or government(s) de jure or de facto committed for political, religious, ideological, or similar purposes including
the intention to influence any government de jure or de facto of any nation or any political division thereof and/
or to intimidate the public or any section of the public of any nation and which
2.1. involves violence against one or more persons: or
2.2. involves damage to property: or
2.3. endangers life other than that of the person committing the action, or
2.4. creates a risk to the health or safety of the public or a section of the public; or
2.5. is designed to interfere with or disrupt an electronic system

3. In any action, suit or other proceedings where the Company alleges that by reason of the provisions of this
condition any loss or damage is not covered by this insurance the burden of proving that such loss or damage
is covered shall be upon the Insured.

All other terms and conditions remain the same.

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DATE RECOGNITION CLAUSE

This Company will not indemnify the Insured against:

any other costs and expenses of whatsoever nature directly or indirectly caused by or contributed to or arising
from :
the failure or inability at any time of any computer, electronic equipment, data processing equipment or media,
microchip, embedded chip, integrated circuit or similar device or any computer software, whether the
property of the Insured or not, to:
(a) recognize correctly or treat any date as its true calendar date and/or
(b) capture, save, retain, process, manipulate or interpret correctly any data information command or
instruction as a result of:
(i) It’s failing to treat any calendar date as its true date or
(ii) the operation of any programmed command which by reason of a failure or inability to treat any date
as its true calendar date causes the loss of data or an inability to capture, save, retain or process correctly
such data at any time.
CO-INSURANCE CLAUSE
“Notwithstanding anything stated in the policy to the contrary, it is hereby declared and agreed that in the event
of a loss or damage to the Scheduled Vehicle and its accessories and parts whilst thereon, the Insured shall bear
the proportion of the net loss (after deductible and depreciation) equivalent to the Co-Insurance Percentage
indicated in the Policy Schedule.

It is further declared and agreed that in no case shall the Company’s liability exceed the value of the Scheduled
Vehicle at the time of loss or damage less the Co-Insurance Percentage indicated in Policy Schedule , or the
Limit of Liability for Section III stated in the Policy Schedule, whichever is lower.”

IMPORTATION CLAUSE
Warranted that in the event of loss to the whole vehicle or losses necessitating importation of parts not locally
manufactured, the company’s liability shall be limited to the actual cost of the vehicle or the imported parts
concerned less cost of taxes, freight and other miscellaneous charges relative thereto.

ACTS OF NATURE ENDORSEMENT

(Applicable only if the Title of the Clause Appears in the Policy Schedule)
In consideration of the payment by the Insured to the Company of an additional premium and subject to the
conditions under this endorsement as well as the terms and conditions of Section III-Loss or Damage Items
2 to 7 of the Motorcar Policy, the Company will Indemnify the Insured against direct loss of or damage to the
Scheduled Vehicle, its accessories and spare parts caused by the perils of Earthquake, Typhoon, Flood, Volcanic
Eruption, Lightning, Fire and other convulsions of nature.

A. Definitions:
1. Earthquake refers to a weak to violent trembling of the ground produced by the sudden displacement
of rocks or rock materials below the earth’s surface as recorded by the Philippine Institute of
Volcanology and Seismology.
2. The term “typhoon” as used in this endorsement shall be understood to mean a typhoon or storm as
recorded by the weather bureau.
3. The term “flood” is defined as the entry of water into the Insured Vehicle, due to the inundation of
land not usually covered by water, (a) by reason of an extra ordinary high tide or (b) following typhoon,
cyclone and/or windstorm, or (c) due to the bursting of rivers, reservoirs, canals and the like.
4. “Volcanic eruption” cover shall be specified only as losses arising from lava flow, pyroclastic ejecta,
glowing clouds and ash fall caused by the eruption of a volcano as recorded by the Philippine
Institute of Volcanology and Seismology.
5. Lightning shall mean a gigantic electrostatic discharge between the cloud and the ground, other
clouds, or within a cloud, the result of which is a sudden release of electricity causing a distinctive
bright flare , followed by thunderclap.
 13

6. The term “fire” as used in this endorsement shall refer to that which is caused by lightning, wildfire
caused by lightning, earthquake, and/or volcanic eruption.
7. Other convulsions of nature are those other violent disturbances of nature.
B. Limit of Liability
The limit of liability under this endorsement shall be as indicated in the Motor Car Policy Schedule.
C. Exceptions:
The Company shall not be liable to pay for:
1. Loss or damage within the deductible of the Policy.
2. Consequential loss, depreciation, wear and tear;
3. Loss or damage to tires, unless the Scheduled Vehicle is damaged at the same time;
4. Any malicious damage caused by the Insured, any member of his family or by a person in the Insured’s
service.
5. Third party bodily injury and/or property damage
6. Theft as a result of the neglect of the Insured to used all reasonable means to save and preserve the
property during and after the loss (earthquake, typhoon, flood, volcanic eruption, other convulsions
of nature).
D. Deductible:
The tariff deductible applicable for loss and damage per type of vehicle shall likewise apply for this cover. The
Company shall only be liable for losses in excess of the deductible stated in the Policy Contract.
E. Claims Notification
In the event of any accident which may give rise to a claim caused by the abovementioned perils under this
Policy, the Insured shall give notice to the Company within seven (7) days from the date of occurrence with
full particulars.

CLAIMS GUIDELINES
The following shall be the claims guidelines for the handling of claims arising from acts of nature:
1. The processing, evaluation, approval and settlement of motorcar acts of nature claims shall be guided by
the applicable terms and conditions of the motorcar policy and of this endorsement, as well as the claims
policies and procedures of Standard Insurance Co., Inc.
2. The insured shall give notice to the Company of a claim caused by any of the perils covered by this
endorsement within seven (7) days from the date of occurrence with full particulars, otherwise, the
claim may be declined for delayed reporting and aggravation/extension of damage sustained. The full
particulars of the reported claim shall include the following:
a. Name of Insured
b. Date, time and place of occurrence of catastrophic event/convulsion of nature
c. Description of the insured vehicle (make/model and plate number)
d. Brief description of the occurrence and damage sustained by the insured vehicle (examples:
flooded sedan up to dashboard level; insured SUV completely submerged in lahar; unit’s rooftop
panel crashed by a fallen electric post during typhoon etc.)
e. Whereabouts of the damaged insured unit
3. All insured vehicles with acts of nature claims or loss or damage proximately caused by any of the
specific perils covered under this Endorsement, as defined herein, shall be subject to inspection by the
Technical Department before commencement of any repairs, otherwise, claim may be denied due to
unauthorized repair.
4. Standard Insurance’s Technical Department shall inspect the damaged insured vehicle and put tamper-
proof marks or labels on vital vehicle components that would need further tests or assessments before
they can be determined damaged as result of the covered peril and shall be subject to re-inspection by
Technical Department.
5. The following basic claims documents shall be required from the Insured:
a. Copy of Insurance Policy*
b. Copy of Official Receipt of premium payment*
c. Certificate of Registration and Official Receipt
d. Driver’s License and Official Receipt (if the insured vehicle was being operated/driven at the
time of loss)
14
e. Police Report or Incident Report or Notarized Affidavit of Loss
*Items 1 and 2 may be provided by the writing outlet
6. The liability of the Company shall be limited to damages proximately caused or attributable to the acts
of nature peril covered under the Policy.
7. The amount of loss payable under the Policy shall be net of the Policy deductible and depreciation for
each and every Acts of Nature loss and shall be subjected to the limit or sub-limit declared in the Policy.

RIOT, STRIKE AND CIVIL COMMOTION (RSCC) CLAUSE

(Applicable only if the Title of the Clause Appears in the Policy Schedule)

IT IS HEREBY UNDERSTOOD AND AGREED that riot, strike and civil commotion in the General Exception of this
policy are covered and shall apply to any accident, loss, damage or liability directly caused by:
1. the act of any person taking part together with others in any disturbance of the public peace (whether in
connection with a strike or lock-out of not) or the action of any lawfully constituted authority in suppressing
of attempting to suppress any such disturbance or in minimizing the consequences of such disturbance.
2. the willful act of any striker or locked out workers done in furtherance of a strike or in resistance to a lock-
out or the action of any lawfully constituted authority in preventing or attempting to prevent such act or in
minimizing the consequences of any such act.

Provided that the indemnity given by reason of this Endorsement shall not apply to any accident loss damage
or liability (except so far as in necessary to meet the requirements of the Legislation)directly or indirectly
proximately or remotely occasioned by contributed to by or traceable to or arising out of or in connection with:

(a) war, invasion, the act of foreign enemies or warlike operations (whether war be declared or not) civil war
(b) mutiny, civil commotion assuming the proportions of or mounting to a popular rising military rising
rebellion revolution insurrection military or usurped power of any act of any person acting on behalf
of or in connection with any organization with activities directed towards the overthrow by force of the
Government de jure or de facto to the influencing of it by terrorism or violence, or by the direct, indirect
consequences of any of the said occurrences.

In the event of any claim hereunder the Insured shall prove that the accident, loss, damage or liability arose
independently of and was in no way connected with or occasioned by or contributed to by or traceable to any of
the said occurrences or any consequences thereof and in default of such proof the Company shall not be liable
to make any payment in respect of such a claim subject otherwise to the Terms of this Policy.

PERSONAL ACCIDENT INSURANCE for UNNAMED DRIVER/OCCUPANTS

(Applicable only if the Title of the Clause Appears in the Policy Schedule)

IT IS HEREBY DECLARED AND AGREED that in consideration of the payment of premium the COMPANY
will, subject to the limits of the liability appearing in the Policy Schedule, indemnify the INSURED Driver/
Occupants against bodily injury caused by accident, whilst operating, boarding, alighting from or whilst riding the
Scheduled Vehicle, which accident shall, solely and independently of any other cause,
result within three (3) calendar months in death or permanent disablement as hereunder defined,
provided that the liability of the COMPANY shall be limited to the extent shown hereunder, to wit:

BENEFIT LIMIT OF LIABILITY

1. Death …………………………………………….…………………………..……………………………………. 100 % of Coverage

2. Total and irrevocable loss of all sight in both eyes……………………………….…………………. 100 % of Coverage
3. Total loss by physical severance at or above the wrist or ankle
of both hands or both feet or of one hand together with one foot……………………………. 100 % of Coverage
4. Total loss by physical severance at or above the wrist or ankle at one hand or
one foot together with the total and irrevocable loss of all sight in one eye ….............100 % of Coverage
5. Total and irrevocable loss of all sight in one eye…………………………………………………… 25 % of Coverage
 15

6. Total loss by physical severance at or above the wrist or ankle or ankle of one hand
or one foot ..…………………………………...………..…………………………………...………..….…… 25 % of Coverage
7. Pays the cost of all necessary or surgical treatment, hospital care nursing service,
x-rays, drugs, dressings including all other reasonable medical expenses within the
26 weeks of the accident up to the maximum amount ..…………………………………...…… 10 % of Coverage

It is understood that the Company’s maximum liability per person/driver/passenger shall be the above Limit
of Liability divided by the greater of, the Scheduled Vehicle’s authorized seating capacity or actual number
of occupants at the time of loss. Under no circumstances shall the Company be liable for more than the
Limit of Liability/Coverage appearing in the Policy Schedule for any one accident or occurrence.

DEDUCTIBLE CLAUSE ( PRIVATE MOTOR VEHICLE)

It is hereby declared and agreed that the company shall not be liable for loss or damage under this Policy
unless such loss or damage exceeds 0.5% of the Insured’s estimated Fair Market Value minimum of
PhP 2,000.00 for each and every loss.

ooOoo
16

WHAT TO DO IN CASE OF A CLAIM:

In order to service you well and to protect your rights being a policy holder, please take note of the following
guidelines in filing a claim:

1. In the event of an accident, loss or damage, you are strongly advised to take pictures to document the incident
while it is still fresh.
i. For motor vehicular accidents
• Take photos of the site of the accident, the involved parties and/or property, showing the
plate number, point of impact and the damages sustained.
ii. For theft cases
• Picture of the place where it was discovered and a photo of the portion of the vehicle from
where a car part was forcibly taken or stolen.
2. Immediately report the incident to your agent, or dealer or broker or directly to any Standard Insurance Branch
or Standard Insurance Head Office Trunkline No. (02) 8988-6388 press option “2” for motor claims assistance
or you can go to our website www.standard-insurance.com (click claims icon then click report a claim). When
you call our Head Office, our Claims Customer Support Specialist will:
(a) arrange the inspection of the insured unit and/or third party unit for assessment of the extent of
damage.
(b) give you the address and contact number of the nearest Standard Insurance Branch where you can
file your claim documents, or
(c) advise you of our accredited car dealers/repairers where you can bring your vehicle for repair.

3. Immediately report the incident to the nearest police station and secure an original police report (This is
required if there are other parties involved e.g. injured third party persons, damaged property and/
or third party vehicle/s, theft of a vehicle and its parts/accessories). If the incident happens in a
private subdivision or village, or in the absence of a police officer, the incident should be reported
to the barangay or security office. For minor incidents (self-accident/minor collision, involving less
than three (3) parts for replacement) the driver of the insured unit may accomplish the Motor Accident
Report Form (Form enclosed together with this policy booklet) or execute an affidavit of loss/accident.

4. After notifying your claim, submit the claim requirements immediately. Please refer to: Motorcar Claim
Documentation Checklist (Refer to page 19). All documents/requirements to be submitted must be clear and
readable. Car Registration renewal must be current. Your Insurer reserves the right to require additional/
supplemental documents as may be deemed necessary to substantiate your claim. Please indicate your
preferred repairer or workshop from among our accredited dealers. You may contact our claims hotline for
details.

Important Reminders:

• In adherence to the principle of good faith, you should fully disclose all information about the vehicular
accident. Misrepresentation and/or concealment is a ground for claim rejection.
• Failure to submit the complete required documents within ninety (90) days from filing of claim, shall be
construed as non-interest on your part to pursue the claim. After ninety (90) days, your claim shall be
considered abandoned/closed.
• In cases wherein there is a third party involved, any negotiations and/or settlement made will not
guarantee reimbursement. In this regard, avoid engaging in settlement and/or payments without the
approval or consent of your Insurer. (Refer to Condition No. 4 of Conditions Applicable to All Sections
of the Policy)
• Do not commence repairs on the insured unit and/or third party unit until inspected by a Technical
Assistant of Standard Insurance. Take reasonable steps to protect the vehicle from further damage or
loss of vehicle parts. A Letter of Authority to repair or a cash settlement proposal letter will be released
by your Insurer after your claim has been assessed and approved.
 17

• In case of windshield damage, and replacement of the same needs to be effected immediately, take
photos of the insured unit showing its plate number and conduction sticker and the damaged portion
of the windshield (in one photograph). Promptly submit the photos together with the invoice for the
windshield replacement for evaluation.
• Damaged insured unit and third party vehicle should be brought to any of Standard Insurance’s
accredited dealerships or shops for repair. Feel free to contact us so you can be advised of the
accredited dealerships and shops nearest you. Otherwise, storage charges incurred at an unauthorized
shop will be for your own personal account.
• In the event wherein the insured unit is immobilized and/or heavily damaged, or flooded/inundated do
not try to start the engine or continue driving. Report the incident to our customer service hotline at
(02) 8845-1111 and press 1 for towing assistance.
• For vehicle with substantial amount of damage, and was impounded and/or brought to a place other
than which was authorized by Standard Insurance, storage charges will be for your own personal
account.
• Likewise, in case a vehicle is brought for repair at our accredited dealership or shop, and was eventually
recommended as constructive total loss, you are required to submit a letter authorizing Standard
Insurance to pull-out or remove the car for transfer to our motor pool for safekeeping or to your custody
while the claim is in process. This is to avoid storage charges. You shall bear storage charges if there
is failure or delay in the submission of the said authorization letter or any other claim requirement.

CLAIM EVALUATION AND ASSURED’S PARTICIPATION

After completing your documentation requirements, your Insurer evaluates your claim based on the documents
submitted and damage/s incurred vis-à-vis the circumstances of the reported incident. Further verification
may be had if deemed necessary.

• In every event or incident of an Own Damage Claim, you would have to pay/shoulder a Deductible Amount
declared in your Policy. Please refer to Condition No. 1 of Exceptions to Section III of your Policy. Multiple
damages may be claimed once but the number of deductibles applied shall be based on the established
number of incidents/or events the insured vehicle was involved in.
• The client has to share in the cost of brand new parts for replacement for insured vehicle above three
(3) years of age. This is commonly known as Insured’s Participation or depreciation representing the
reduction in value of vehicle parts or components due to normal wear and tear. Kindly check Condition No.
3 of Section III-Loss or Damage for the Schedule of Depreciation.
• Please take note that only accident-related damages will be covered under your vehicle’s policy coverage.
Deteriorated, worn or broken components, burst/blown tire due to road punctures are excluded from
Policy liability. You may refer to Exceptions to Section III of the Policy for the complete exceptions.
• Damage or loss attributable to animals or pests is not covered by the Policy. The specific perils covered are
enumerated in Condition No. 1 of Section III Loss or Damage.
• On third party property damage claim, the Insured does not pay for any deductible or depreciation, but shall
assume the excess amount of damage beyond the Policy’s limit of liability or sum insured for TPPD cover.
• For the bodily injury claim (death and/or injuries to the victim/s), the computation of your Insurer’s Liability
shall be based on the Schedule of Indemnities as stated in the Policy. Please refer to Section I Liability
to the Public. Established Medical Expenses not covered under CTPL may be claimed under an Excess
Liability Insurance, if this cover was purchased.
• In the event that the vehicle was extensively damaged and assessed to be a constructive total loss,
please note that your Insurer’s liability shall be based on the fair market or actual cash value of
the vehicle at the time of loss in accordance with Condition No. 2 of Section III-Loss or Damage.
18

SAMPLE EVALUATION:
a. Private Car (Own Damage Claim)
a. One (1) year old vehicle at the time of loss
Insured Unit : 2018 Ford Ecosport Trend 1.5 A/T
Date of Accident : May 18, 2019
Purchased as new/first owner : June 1, 2018 (date of first registration)
Sum Insured : P958,000.00
Policy Coverage Period : May 22, 2018 to May 22, 2019
Deductible : 4,790.00 (.5% of the sum insured)
Circumstances of Loss : While in the process of parking the insured unit in the
garage, the driver miscalculated the distance from the
gate, causing the right side of the car’s front bumper to hit
the gate post
Damage Sustained : Scraped and misaligned Front bumper

Computation:
Parts for Replacement (all original parts)
Front Bumper Grille Upper Garnish : 7,812.00
Front Bumper Grille Ctr Garnish : 5,210.00
Front Bumper Clips : 672.00
Total Cost of Parts : 13,694.00
Total Cost of Labor (VAT inclusive) : 12,729.52
Total Cost of Repair : 26,423.52
Less: Insured’s Participation:
a. Deductible : 4,790.00
b. Depreciation : n.a.
Net Claimable Amount : 21,633.52

b. Four (4) years and 9 months old vehicle at the time of loss
Insured Unit : 2014 Toyota Fortuner V 2.5 A/T
Date of Accident : April 26, 2019
Purchased as new/first owner : July 22, 2014 (date of first registration)
Sum Insured : P971,190.00
Policy Coverage Period : June 9, 2018 to June 9, 2019
Deductible : P4,855.95 (.5% of the sum insured)
Circumstances of Loss : The insured SUV was parked in an open parking area
overnight. The following day, its rear portion was found
severely damaged.
Damage Sustained : Heavily dented and torn Rear bumper

Computation:
Parts for Replacement (all original parts)
RR Bumper Cover : 9,749.02
Retainer, Ultrasonic RH : 146.35
Total Cost of Parts : 9,895.37
Total Cost of Labor (VAT inclusive) : 9,668.40
Total Cost of Repair : 19,563.77
Less: Insured’s Participation:
a. Deductible : 4,855.95
b. Depreciation (25% of total cost of : 2,473.84
parts following the Schedule of
Depreciation in the Policy)
Net Claimable Amount : 12,233.98
 19

c. Less than a year old vehicle

Insured Unit : 2018 Mitsubishi Montero SPT GLS 2.4D 2WD AT
Date of Accident : May 2, 2019
Purchased as new/first owner : July 12, 2018 (date of first registration)
Sum Insured : P1,499,000.00
Policy Coverage Period : July 4, 2018 to July 4, 2019
Deductible : P7,495.00 (.5% of the sum insured)
Circumstances of Loss : Insured unit while traversing Taft Avenue, Pedro Gil Manila,
was accidentally bumped on the rear portion by a Toyota
Innova. Due to impact the insured unit was pushed forward
and bumped into a concrete post.
Damage Sustained : Heavily damaged front portion and detached rear bumper

Parts for Replacement

Fron Bumper Cover
Fron Bumper Lower Extension
Fron Bumper Clipset
Radiator Grille Assy
Fron Bumper Lower Grille
RH Front Bumper Garnish Chrome (Big)
Rear Bumper Cover
Total Cost of Parts
Total Cost of Labor (VAT inclusive)
Total Cost of Repair
Less: Insured’s Participation
a. Deductible
b. Depreciation
Net Claimable Amount :
: 12,719.96
: 6,249.60
: 322.56
: 14,390.21
: 1,217.67
: 2,924.21
: 12,719.96
: 50,544.17
: 19,196.40
: 69,740.57
: 7,495.00
: n.a.
62,245.57

“The sample computations above are for illustration purpose only”

20

MOTORCAR CLAIM DOCUMENT CHECKLIST:

BASIC REQUIREMENTS

( ) Car Registration and Official Receipt

( ) Driver’s License and Official Receipt
( ) Completed Motor Accident Report Form (enclosed in this Policy Booklet) or Duly Notarized Original
Owner’s/Driver’s Affidavit (for minor collision, self accident) or
Police Report (original or certified true copy) (for accidents involving third parties or theft loss or severe
vehicle damage)
( ) Photographs of the damaged vehicle, picture/s taken at the accident site showing the final position and point
of impact of the insured unit and other vehicles or properties involved (if any)

For thru Picture Assessment:

( ) Stencils of motor and chassis number
( ) Photos of the full view of the vehicle showing its plate number, conduction sticker, VIN plate and odometer or
kilometer reading
( ) Estimate (if any)

IN CASE OF:

TOTAL LOSS (in addition to basic requirements) TP OTHER THAN VEHICLE

( ) Original Car Registration & Official Receipt ( ) Colored pictures of damaged property
( ) Vehicle Sales Invoice & Delivery Receipt ( ) Estimated cost of repairs of the damaged
( ) Full set ofkeys property
( ) Original Insurance Policy ( ) Proof of Ownership
( ) Car Registration and Official Receipt
( ) Statement to pay-off loan (with effectivity 2 months
from the date of request (if mortgaged) TP BODILY INJURY
( ) Two (2) Original Copies of Cancellation of Chattel
Mortgage with Promissory Note ( ) Original Medical Certificate
( ) Vehicle Manual and Warranty Booklet ( ) Original Receipts of Medicine with
( ) Towing Receipt prescription
( ) Two (2) valid Government Issued Identification ( ) Original Hospital Bill
Documents (any the following: SSS, GSIS, PRC ID, ( ) Original PSA/Civil Registrar’s copy of Birth
Passport, Driver’s License) Certificate (if minor)
Note: With three (3) original specimen signatures ( ) Two (2) Valid Government issued ID’s of the
victim (if of legal age)
TP PROPERTY DAMAGE ( ) Picture showing the injury of the victim
(if available)
( ) Third Party vehicle Car Registration and Official Receipt
( ) Third party Driver-Driver’s License ID and Official Receipt TP DEATH
( ) Original Copy of Certificate of No Claim from Third Party
Insurer ( ) Original or Certified True Copy of Death
( ) Stencil of Motor & Chassis No. of Third Party vehicle Certificate (front and back)
(if for thru pictures inspection) ( ) Original Funeral Receipts
( ) Stencil of Motor and Chassis No. of the insured unit ( ) Original PSA/Civil Registrar’s Copy of Marriage
(if no own damage claim) Contract (if married)
( ) Photographs of the third party vehicle showing the ( ) Original PSA/Civil Registrar’s copy of Birth
damaged portion, full view of the vehicle, plate number Certificate (if minor/not married)
and/or conduction sticker, VIN Plate number and ( ) Picture showing the injury of the victim
odometer/kilometer reading (if available)
( ) Estimate (if available)
 21

CARNAP CLAIM

( ) Original Car Registration and Official Receipt
( ) Driver’s License ID and Official Receipt of the last
possessor of the insured unit
( ) Police Report (original or certified true copy)
( ) Vehicle Sales Invoice & Delivery Receipt
( ) Full set of keys
( ) Original Insurance Policy
( ) Statement to pay-off loan (effectivity 2 months
from the date of request
( ) Two (2) Original Copies of Cancellation of Chattel
Mortgage with Promissory Note
( ) Complaint Sheet rom HPG (original or certified
true copy)
( ) Alarm Sheet from HPG (original or certified true
copy)
( ) Original Certificate of Non Recovery
( ) Certificate of Nationwide Alarm (original or
certified true copy)
( ) Two (2) valid Government Issued Identification
Documents of Assured (any of the following:
SSS, GSIS, PRC ID, Passport, Driver’s License)
Note: With three (3) original specimen signatures
on each copy

UPON SETTLEMENT :

If claim is payable to an Individual:

( ) Assured/Payee’s two (2) Valid Government issued Identifications (any of the following: SSS, GSIS, PRC,
Passport,Driver’s License; with three (3) original specimen signatures in each copy)

If through representative:
( ) Original and Duly Notarized Regular/Local Special Power of Attorney (SPA)
( ) Original and Duly notarized Special SPA validated by the Philippine Consular Office (if insured is out of the
country)
• For Partial Loss: authorizing Assured’s representative to receive settlement check and sign release
documents in his behalf
• For Total Loss: authorizing Assured’s representative to receive settlement check, sell the unit, sign release
documents and Deed of Sale of the subject vehicle in his behalf
• For Carnap: authorizing Assured’s representative to receive settlement check and sign release documents
in his behalf
Note: Must be accompanied with Two (2) valid Government Issued Identification Documents of the authorized
representative (any of the following: SSS, GSIS, PRC, Passport, Driver’s License; with three (3) original specimen
signatures in each copy)

If claim is payable to a corporate entity;

( ) Original Duly Notarized Board Resolution or Corporate Secretary’s Certificate
• For Partial Loss: authorizing Assured’s representative to receive settlement check and sign release
documents in his behalf
• For Total Loss: authorizing Assured’s representative to receive settlement check, sell the unit, sign release
documents and Deed of Sale of the subject vehicle in his behalf
• For Carnap: authorizing Assured’s representative to receive settlement check and sign release documents
in his behalf

Note: Must be accompanied by two (2) Valid Government issued ID’s of the Corporate Secretary and the Company
representative (any following: SSS, GSIS, PRC ID, Passport, Driver’s License; with three (3) original specimen
signatures in each copy)

REMINDERS :

All documents/requirements to be submitted must be clear and readable. We reserve the right to require
additional/supplemental documents as may be deemed necessary to substantiate your claim. Failure to submit
the complete requirements within ninety (90) days from date of filing shall be construed as non-interest to
pursue the claim and the Company shall be constrained to close your claim record.
22

RMA 226
Rev. 3-4
05/05/2021