Toyota Wigo 2025

✅ What Comprehensive Car Insurance Usually Covers: 1. Own Damage (OD) Covers damage to your car caused by collision, accidental crash, or overturning — regardless of who’s at fault. 2. Theft / Carnapping Covers loss if your car is stolen or forcibly taken. 3. Acts of Nature / Acts of God Covers damages due to natural calamities: flood, typhoon, earthquake, volcanic eruption, landslide, etc. 4. Third-Party Liability (Compulsory + Voluntary) Covers injury or damage you cause to other people or their property. CTPL (Compulsory Third Party Liability) is required by law. VTPL (Voluntary TPL) increases your protection limit. 5. Fire and Explosion Damage caused by accidental fire or explosion (including electrical or engine fire). 6. Personal Accident (optional) Covers medical expenses or death benefit for the driver and/or passengers. --- ⚠️ Common Conditions & Requirements: Deductible / Participation Fee You pay a small portion (usually ₱2,000–₱5,000) per claim for repairs — this discourages minor/frequent claims. Exclusions (Not Covered): Driving without a license DUI (driving under the influence) Mechanical/electrical breakdown (unless caused by an accident) Use of vehicle for racing or commercial use (if registered as private) Intentional damage Declared Driver Clause Some policies only cover named drivers or drivers above a certain age (e.g., 23 to 65 years old). Garage & Repair Condition Repairs must be done in accredited shops (unless you choose a policy with "Own Shop" privilege). --- 📝 Additional Notes: Policy is usually valid for 1 year, renewable annually. Some insurers offer roadside assistance and towing services as add-ons. Coverage amount is based on Fair Market Value of your car (adjusted annually).