Auto Excel Plus Insurance

Own Damage
- Your coverage against damages to your vehicle arising from accidental collision, overturning, falling, fire and malicious acts of third party.
Theft
- Coverage that indemnifies you in case of loss of your whole vehicle or parts resulting from the acts of thieves or carnappers.
Acts of Nature
- Your protection against the forces of nature. This coverage pays for damages directly caused by typhoon, flood, hurricane, volcanic eruption, earthquake or other natural calamities.
Compulsory Third Party Liability (CTPL)
- Coverage required by law up to Php 200,000 for car registration to protect you against liability in respect of bodily injury and/or death to third parties.
Excess Bodily Injury Liability
- Pays for legal liability on bodily injury liability over and above the Php 200,000 limit under your CTPL coverage.
Third Party Property Damage Liability
- Voluntary coverage against liability for damage to third party property in an accident caused by or arising out of the use of your vehicle.
Auto Personal Accident for Unnamed Driver and Passenger
- Gives you, as well as your driver and passengers, peace of mind while on the road by providing indemnity against accidental death & disablement and reimbursement for medical expenses for injuries arising from a car accident (per person up to a maximum of the authorized seating capacity of vehicle).
Airbag Cover
- We pay or replace the airbags including the cost of re-installation following its deployment or discharge as a result of a sudden and accidental impact to your vehicle.

Accessories Cover
- We provide automatic coverage against loss or damage for all your vehicle's standard built-in accessories.
Trip Sagip
- Cocogen Trip Sagip assists even during the unexpected critical moments on the road. A 24-hour road assistance to Cocogen motorcar policyholders that can definitely give you peace of mind any time of the day and any day of the week!
Gawa Agad
- Cocogen's exclusive Gawa Agad brings hassle-free claims processing and deductible-free repairs to our policyholders. You have access to our extensive motor shops network nationwide, where quality meets convenience.

Shift gears to superior protection! Unleash the power of added coverage without the heavy price tag – all bundled into one unbeatable price. Turbocharge your motor insurance with TURBO SHIELD and hit the road with complete confidence.

Road Rage Protection
- Upgrade your Auto Personal Accident protection to cover bodily injury sustained from an unprovoked physical assault from unanticipated road rage incidents.
Loss of Use
- Your transportation allowance while your vehicle is undergoing repairs at Gawa Agad, beginning the fourth day of repairs.
Lock Out Cover
- You coverage for necessary locksmith costs incurred to open your car in the event you were unintentionally locked out of your vehicle with the keys inside.
Key Replacement Cover
- Your coverage for the cost to replace the key or device used to access and lock your vehicle should it be lost, stolen from your vehicle or damaged in an accident.
Misfuelling Cover
- Your reimbursement for expenses due to inadvertent loading of incorrect fuel to your vehicle such as costs to drain and clean the gas tank or costs to fix any subsequent damages to your vehicle.
Safe Driver Bonus
- Enjoy a premium rebate on your insurance policy if you make it through the policy period without a claim, as a thank you from us for your commitment to safety on the road.
Waiver of Depreciation for Windshield and Window Glass
- Damages to the windshield, window glass, back glass, side view mirrors including sunroof shall not be subject to depreciation.
Extended Casa Repair Clause
- In the event of a claim, Casa/Dealer repair will be allowed for vehicles below twelve (12) years old.
Online Shopping Protection
- Your reimbursement for your financial loss from items bought online that have never been delivered, ensuring you can shop with confidence.