FAQs
ProtectNow.com is a product of Cebuana Lhuillier Insurance Solutions (CLIS), a company committed to offering meaningful insurance protection in the Philippines by providing innovative products and services at very affordable premiums. The company is under the PJ Lhuillier Group of Companies, the group behind the largest microfinancial institution in the country, Cebuana Lhuillier.
Other than getting the insurance as fast as ordering coffee, the website also has a dedicated client and claims dashboard where client can monitor his quotations, policies and claims status. The website also features a chat box where client can send messages in real time.
Protectnow doesn’t only showcases 1 insurance product but 4 products: car, fire, travel and personal accident insurance. These products are underwritten by big insurance players in the country namely: FPG, Malayan, Prudential Guarantee, Standard Insurance and Western Guaranty Insurance.
Damages due to the following: • Accidental collision or overturning • Fire, external explosion, self-ignition • Lightning • Burglary, housebreaking or theft • Malicious acts other than those caused by the insured, a member of his family or person in his service • Whilst in transit (including the process of loading and unloading)incidental to such transit by road, rail, inland waterway, lift, or elevator
Damages due to the following: • Losses within the policy deductible • Consequential Loss • Damage to tires (unless the Insured Vehicle is damaged at the same time) • Any malicious damage caused by the Insured, member of his family, or person under his service • Losses due to Acts of Nature (unless the policy includes additional Acts of Nature cover) • Damaged caused by overloading (For commercial vehicles only) • Damage caused by explosion of any boiler forming part of, attached to or on the Scheduled Vehicle (for Commercial Vehicles only) • Accident or liability cased or incurred outside the Philippines • Accident or liability while the vehicle is being used other than in accordance with what is specified in the policy (Limitations as to Use) • Accident or liability whilst the Insured Vehicle is being driven by any person other than an Authorized Driver • Any liability outside of the agreement of the policy unless the agreement was made to avoid impairing the flow of traffic • Bodily injury and/or death to any person in the employ of the Insured in the course of employment or any member of the Insured's household.
The vehicle continues to be covered while being towed provided that the damage is due to accidental collision. Note that collision damage should be accidental. Thus, if the damage is due to improper towing, this is not covered.
Yes it is for as long as the towed vehicle is not being towed for reward and the Company shall not be liable for damages to the vehicle being towed.
In case of a total loss of the insured vehicle, the amount of settlement shall be based on the fair market value of the unit at the time of loss but not to exceed the limit of liability under the policy. If the fair market value at the time of loss is less than the policy limit, the insurer should only pay the amount equivalent to the estimated fair market value.
ProtectNow.com is a product of Cebuana Lhuillier Insurance Solutions (CLIS), a company committed to offering meaningful insurance protection in the Philippines by providing innovative products and services at very affordable premiums. The company is under the PJ Lhuillier Group of Companies, the group behind the largest microfinancial institution in the country, Cebuana Lhuillier.
Other than getting the insurance as fast as ordering coffee, the website also has a dedicated client and claims dashboard where client can monitor his quotations, policies and claims status. The website also features a chat box where client can send messages in real time.
Protectnow doesn’t only showcases 1 insurance product but 4 products: car, fire, travel and personal accident insurance. These products are underwritten by big insurance players in the country namely: FPG, Malayan, Prudential Guarantee, Standard Insurance and Western Guaranty Insurance.
Damages due to the following: • Accidental collision or overturning • Fire, external explosion, self-ignition • Lightning • Burglary, housebreaking or theft • Malicious acts other than those caused by the insured, a member of his family or person in his service • Whilst in transit (including the process of loading and unloading)incidental to such transit by road, rail, inland waterway, lift, or elevator
Damages due to the following: • Losses within the policy deductible • Consequential Loss • Damage to tires (unless the Insured Vehicle is damaged at the same time) • Any malicious damage caused by the Insured, member of his family, or person under his service • Losses due to Acts of Nature (unless the policy includes additional Acts of Nature cover) • Damaged caused by overloading (For commercial vehicles only) • Damage caused by explosion of any boiler forming part of, attached to or on the Scheduled Vehicle (for Commercial Vehicles only) • Accident or liability cased or incurred outside the Philippines • Accident or liability while the vehicle is being used other than in accordance with what is specified in the policy (Limitations as to Use) • Accident or liability whilst the Insured Vehicle is being driven by any person other than an Authorized Driver • Any liability outside of the agreement of the policy unless the agreement was made to avoid impairing the flow of traffic • Bodily injury and/or death to any person in the employ of the Insured in the course of employment or any member of the Insured's household.
The vehicle continues to be covered while being towed provided that the damage is due to accidental collision. Note that collision damage should be accidental. Thus, if the damage is due to improper towing, this is not covered.
Yes it is for as long as the towed vehicle is not being towed for reward and the Company shall not be liable for damages to the vehicle being towed.
In case of a total loss of the insured vehicle, the amount of settlement shall be based on the fair market value of the unit at the time of loss but not to exceed the limit of liability under the policy. If the fair market value at the time of loss is less than the policy limit, the insurer should only pay the amount equivalent to the estimated fair market value.