car insurance
Private Car Insurance

SGI Philippines General understands the importance of protecting private cars against perils whilst moving and/or parked. With your car, you go miles and it takes you to places as a companion. It secures your journey to the office and back to home. No one should compromise with the protection of their lives. And, for complete protection, you need to have car insurance with you. Car insurance offers various compulsory covers like third party liability or property damage, bodily injury and more. This policy protects you from financial losses and manages uncertain risks. It is not only your car that requires the protection, but you, your driver, passengers sitting inside the car and the third party as well have to be protected against future emergencies. So you must be aware of the policy and coverages provided by SGI Philippines. It offers cover against damage to your vehicle, Acts of Nature, Auto Personal Accident.

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Commercial Vehicle Insurance

A commercial vehicle, whether a goods carrying commercial vehicle(GCCV)  or passenger-carrying commercial vehicle (PCCV)  they are valuable asset you own. That's the reason your commercial vehicle needs to be secured. And, for this, you need to have a comprehensive policy for complete protection. Not only covers you against the third party liability but the damages caused because of fire, theft, external explosion, self ignition, lightning, burglary, riots, strikes, earthquakes, flood, cyclones, accidents, malicious acts.There are some key benefits of commercial vehicle insurance that needs to be undertaken by you i.e. hassle-free claim settlement. This insurance of the commercial vehicle covers the asset from the damages and losses occurred because of the third party.To keep your business running smoothly commercial vehicle insurance is important for every heavy vehicle owner.

motorcycle insurance
Motorcycle Insurance

A motorcycle is easier to steal and more susceptible to damages and that's the reason your motorcycle needs to be insured. You need to have a comprehensive policy for complete protection. This not only covers you against the third party liability but the damages caused  by fire, theft, external explosion, self ignition, lightning, burglary, riots, strikes, earthquakes, flood, cyclones, accidents, malicious acts can be availed.Buying Motorcycle Insurance policy online is such an easy process you should adopt. As you already know motorcycle is the most commonly used modes of transportation and more convenient. Also, motorcycles are more prone to accidents on the road, especially on rainy days. It can be always on risk while riding. Thus, buying motorcycle insurance is very important and mandatory for every bike owner to be safe and secure.

Comprehensive insurance coverage helps pay to replace or repair your vehicle if it is stolen or damaged. It basically covers damage from fire, vandalism or falling objects. Comprehensive coverage for motor insurance is the best decision for overall protection you and your vehicle need. Comprehensive insurance coverage is one of the main coverages you should avail while buying motor insurance as it protects you from unplanned events like third party liability and own damage.  Comprehensive cover in car insurance is responsible for full coverage of your car safety. It saves you and your car from third party damage as well as for your own damage too. And, if you have SGI Phils. Comprehensive car insurance coverage you will be reimbursed for any damage to the vehicle.

This typically helps cover for theft and damage from vandalism and natural disasters like fire, flood, and others. With SGI Phils. you don't have to worry about third party liability. Also, in the case of third party property damage insurer helps in reimbursement.

Comprehensive cover
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Third Party Loss or Damage:

Car insurance saves you from third party damage or loss if any. Third Party liability cover offers complete protection against any third party losses incurred by any other person. It is crucial to choose the right kind of insurance cover for your vehicle. Third party car insurance covers your liability towards the third party in case of an accident. In case the damage is caused to third party vehicle or property by your own car. This is how the third party car insurance takes care of your legal liabilities.  Third party liability coverage of the insurance policy addresses issues when you damage someone else’s vehicle or properties that lead to injuries or death and you have to deal with legal responsibility.

It covers the legal liability for the damage you caused to the third party i.e. injury, death or other damages. This kind of insurance policy brings peace of mind when dealing with a traumatic situation. The focus of the third party liability cover is just on the relief from any mishappenings. 

Compulsory Third Party Liability (CTPL): The compulsory third party liability cover is mandatory for all car owners. CTPL is classified under motor vehicle insurance product lines. It is considered as mandatory insurance before the LTO registration. This car insurance covers death and bodily injuries of the third party as required by the law.

Personal Accident Rider: Personal accident rider is a type of car insurance cover SGI Phils. provide to protect against any accidental death and disablement of the occupant, passenger, and driver. It covers the expenses of the rider for the time when he/she is not in the condition to earn. Personal accident rider insurance covers the expenses of the rider and his/her family in case of an accident resulting in death or disability. Here, if you have this coverage the insurer will pay for the halt in the income. Personal Accident Rider is more beneficial and practical because the chances of an individual being bedridden are much higher than death. We at SGI Phils. for your safety and security, you should buy personal accident rider insurance cover.

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