Wisemen Insurance Your Intelligent Choice

Comprehensive Motor Vehicle Insurance

Safeguards your vehicle against accidents from natural calamities, theft and automobile damage among others. Provide Protection for you and your passengers for a worry-free travel. Every car owner should have motor insurance to protect against possible costs accrued in the event of an accident.

MOTOR VEHICLE CLASSIFICATIONS

  • Private vehicles – All Sedans
  • Commercial Vehicles – Vans, Pick-ups, School Services
  • Land Transportation Operators – paying passenger carrying vehicles

Why do I need car insurance?

If you don’t have insurance and you crash into a vehicle and it is your fault then not only are you breaking the law but you will need to pay damages for your own vehicle and the repair costs on the vehicle you damaged, which could easily cost over P100,000. If you had comprehensive car insurance it would pay for all damages, thus protecting your pocket.

How to file a car insurance claim?

  • If you are in an accident these are the steps you should take to enable your insurance to take care of the financial implications;
  • Photographs of the incident, especially damaged parts of cars involved.
  • Prepare Documents - OR, CR, Insurance Policy and Driver’s License.
  • It’s not always essential but sometimes you will need a police report and or sketch.
  • Contact information of the third party.
  • There may be other documents if hospitalization or death occurs, but the above procedures are what you need to get started with a claim.

Comprehensive Motor Insurance Coverage

Insurance for the unit itself, and will indemnity YOU as our Assured for accident related loss including loss by burglar to factory and to non factory added accessories as declared in the Policy.

Driving is a big responsibility; you always run the risk of accidentally hurting someone or damaging another person’s property. Car insurance shoulders these risks to keep you on the move. Enjoy coverage for Excess Bodily Injury / Property Damage.

This coverage, subject to the Limits of Liability, will reimburse the vehicle owner for all sums actually paid by the vehicle owner to discharge liability in respect to bodily injury and/or death to a Third Party in an accident caused by the use of the motor vehicle when the Compulsory Third-Party Liability (CTPL) limit has been exhausted.

This coverage protects the passenger (s), including the driver of the motor vehicle, against bodily injury resulting in death or disablement caused by an accident while operating, riding in, boarding or alighting from the insured vehicle.

This Coverage protect your vehicle against the perils of social unrest and lawless elements. This cover will respond to loss or damages to your vehicle arising out of riots, strikes, or malicious damage done intentionally or unintentionally by third parties.

Secure your vehicle against the forces of nature. This car insurance policy in the Philippines will protect your vehicle against damages directly caused by typhoon, flood, hurricane, volcanic eruption, earthquake or other convulsions of nature.