What incidents are usually not covered?

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• Will I be covered anywhere I go?

  Yes. The coverage is worldwide unless stated in your policy. Usual exclusions are countries experiencing war, terrorism, etc. Otherwise, you are covered 24/7, all year.

• Is motorcycle accidents automatically covered in my accident insurance policy?

  No. This is not automatically covered. If you want this to be covered, you need to request for it and it will be for the insurance company’s approval. 

• Is Unprovoked Murder and Assault automatically covered?

  No. Unprovoked assault or murder is subject to approval depending on your occupation.

• Does vehicle insurance cover vehicle accessories?

  The accessories which are standard to your vehicle will be covered. However, other non-standard/factory accessories are not covered unless it was declared prior. 

• Does the third party bodily injury liability cover injuries or death?

  The third party bodily injuries only covers death or injuries of persons. However, pets / animals can be covered under a third property damage.