Safety and security are on top of our priority every time you go anywhere. Not only your vehicle is protected but also you, your passengers, and anything involved. It covers private and commercial vehicles.
Western Guaranty’s Motor Vehicle Insurance may cover Private, Commercial, Land Transportation Operators (LTO) Policies and Motorcycles.
• Own Damage/Theft
Your vehicle is insured against loss, accidental collision or overturning, fire, external explosion, self-ignition, malicious acts, and whilst in transit.
• Compulsory Third-Party Liability (CTPL)
Basic cover prescribed by law when registering your vehicle with the LTO. Provides indemnity to third parties for death and bodily injuries.
• Voluntary Third-Party Liability – Bodily Injury
This serves as an extension of your CTPL and answers the liabilities or expenses over the CTPL cover. Once the CTPL limit has been reached, this will respond and it is no longer subject to the Schedule of Indemnities.
• Voluntary Third-Party Liability – Property Damage
This provides insurance protection for your legal liabilities resulting from damage to properties of third parties.
• Acts of Nature
This extends to cover damage to your vehicle due to “force majeure” such as earthquake, lightning, tidal wave, typhoon, flood, hurricane, windstorm, hailstorm, cyclone, tornado, tempest, and volcanic eruption.
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