This policy incorporates three sections namely, Loss or Damage, Liability to Third Parties and Medical Expenses, being sections A, B and C, respectively.

• Loss or Damage Section is intended to cover all material loss of or damage to any vehicle described in the schedule belonging to you or for which it is responsible including its accessories and spare parts thereon.
• Liability to Third Parties Section is meant to provide an indemnity to you in respect of legal liability for accidental death or injury or damage to property of the public caused by the use of motor vehicles.
• Medical Expenses Section is designed to provide indemnity for medical expenses incurred by injured occupants or in the insured vehicle up to P 1,000.00 per occupant and P 10,000.00 per any occurrence.