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Car protect coverage.


LG Hizon Insurance Agency offer a car protect with most comprehensive insurance protection for your most exciting possession. Now you can buckle up and hit the road without worries!

  • Compulsory Third Party Liability (CTPL) – Coverage required by the law that protects the assured against liability of death or bodily injury to third party due to an accident and caused by the insured vehicle, subject to the schedule of indemnities incorporated in the policy.
  • Voluntary Third Party Liability (VTPL) or Excess Bodily Injury (EBI) – This coverage answers for indemnities beyond the limits set forth under the CTPL coverage.
  • Third Party Property Damage (TPPD) – protects the assured against liability for damage caused by the insured vehicle to property belonging to a third party.
  • Own Damage (OD) – coverage against damages to the property insured due to  accidental collision, overturning, falling, fire and malicious acts of third party.
  • Theft – coverage that indemnifies the assured in case of loss of the whole insured vehicle or parts thereof resulting from the acts of thieves or car nappers.
Add-On Coverages
  • Free Personal Accident Insurance Rider (PA Rider) – coverage that financially protects passengers (including the driver) of the motor vehicle insured against bodily injury or death due to a car accident.
  • Free Personal Accident Insurance for the Named Insured – 24 hour worldwide coverage for accidental death. Client is not required to fill up a application form so Insured must be 18 to 65 years old.
  • Roadside Assistance Program (RAP) – is a value-added service for clients with comprehensive cover that provides towing and other services in case of accidents or mechanical breakdowns.
Optional Coverages (additional premium required)
  • Acts of Nature Coverage – In addition, this covers damages incurred by the insured vehicle caused by earthquake, typhoon, flood, volcanic eruption, lightning, fire and other convulsions of nature.
  • Loss of Use Cover – provides transportation allowance up to a maximum of 15 days per policy period while the vehicle is under repair.