Scope of Coverage

PTI shall indemnify the vehicle owner in respect of any physical damage caused by a sudden and unexpected accident that is beyond the vehicle owner’s control in the following events:

• Collision, crash, overturning, toppling

• Fire, explosion

• Acts of God: Storms, floods, lightning strikes, landslides.

• Impact by other objects.

• Total loss of the car due to theft or robbery

• Accidents caused by any other unexpected perils in addition to the exclusions defined in the Policy Wording.

PTI also pays any expenses necessarily and reasonably incurred:

• To avert and mitigate losses;

• To tow the damaged vehicle to the nearest garage, but in exceed VND20,000,000 VND/accident, VAT excluded (unless otherwise agreed in writing).

• To survey the loss.

  In no event, PTI’s liability shall exceed the Sum Insured (excluding any survey expenses) specified in the insurance certificate.

Insurance benefit

The premium payable is calculated according to the following formula:

Premium = Sum Insured x Premium Rate

Where:

The premium rate is computed on the following factors

Claim documents

• Claim form completed by the Insured.

• Insurance certificate/Policy

• Claim form completed by the Insured.

• Insurance certificate/Policy

• Claim form completed by the Insured.

• Insurance certificate/Policy

• Claim form completed by the Insured.

• Insurance certificate/Policy