Driving conditions on the road grow more and more unpredictable these days it's no longer enough to practice responsible and defensive driving. Shift to broader protection with COCOGEN Motor Excel Plus. When facing unforgiving roads and uncontrollable traffic, protect your car - as well as the people in it - with comprehensive our comprehensive car insurance coverage:

• Loss or damage to insured vehicle and its accessories/spare parts due to:
  • Accident collision or overturning
  • Fire, external explosion, self-ignition or lightning
  • Burglary or Theft (including carnapping)
  • Malicious act
  • Transit by road, rail, inland waterway, lift or elevator
• Compulsory Third Party Liability (CTPL)
  • Required by law for car registration to protect the insured against liability in respect of bodily injury and/or death to the third party
• Voluntary Third Party Liability (TPL)
  • Pays for legal liability on bodily injury in excess of the limit set forth under CTPL Coverage
  • Pays for property damage to third party arising from an accident caused by or arising out of the use of the vehicle
• Auto Personal Accident for Unnamed Driver and Passenger
  • Indemnity for accidental death & disablement (AD & D) per seat up to a maximum of the authorized seating capacity on any one occurrence.
• Plus Medical Expense Reimbursement
  • Pays up to 10% of the AD&D Benefit for the driver and passenger arising from an accident on any one occurrence.
  • Optional Benefits (for an additional premium)
• Extended Service: KaLAKBAY
  • Our kaLAKBAY Road Assistance service 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 anytime of the day and any day of the week!
• Extended Service: Gawa Agad
  • COCOGEN's exclusive Gawa Agad offer to our motor insurance policyholders allows selected repair shops to process their claims instead of having them go to our branches.
• Optional Benefit (Additional Premium): Acts of God
  • Acts of Nature Pays for loss of damage to the vehicle and its accessories due to flood, typhoon, hurricane, volcanic eruption, earthquake or other natural calamities