Eligibility

The driver, driver assistant and any passengers on the car.

Scope of Coverage

• Any bodily injury sustained by the driver or driver assistant caused by an accident directly related to the use of the car.

• Any bodily injury suffered by a passenger caused by an accident while sitting on or getting on or off the car.

Eligibility

The vehicle owner’s liability in respect of any loss of or damage to the goods carried on the vehicle under the current Civil Code.

Scope of Coverage

• PTI provides coverage for the vehicle owner’s liability to the goods owner in respect of any loss of or damage to the goods carried thereon under the Civil Code in the case of any collision, crash, overturning, toppling, falling; sinking; fire, explosion; impact by any other objects and any act of God, including storms, floods, landslides, lightning strikes, earthquakes, hailstorms and tsunamis;

• In addition, PTI also pays any expenses necessarily and reasonably incurred:

- To prevent and mitigate losses to the goods.

- To maintain, load and upload, store the goods in warehouses or open spaces during the transportation as a consequence of an accident.

Eligibility

Owners of vehicles running on roads within the territory of the Socialist Republic of Vietnam

Scope of Coverage

• When the vehicle owner takes out additional voluntary civil liability insurance, Article 9 of Chapter II of Circular No. 22/2016/TT-BTC dated February 22, 2016 by the Minister of Finance is amended as follows:

- In respect of compulsory liability to a third party or passenger (VND100,000,000/person/occurrence), PTI shall pay the third party or passenger according to the benefit table as issued with the Circular No. 22/2016/TT-BTC.

- In respect of any liability in excess of compulsory liability to a third party or passenger (over VND100.000.000/person/occurrence), PTI shall pay the vehicle owner any amount for which he/she is held liable as calculated based on the driver’ or the vehicle owner’s fault in the accident.

• Any other provisions and conditions as specified in the vehicle owners’ compulsory civil liability insurance policy wording, issued with Circular No. 22/2016/TT-BTC dated February 22, 2016 by the Minister of Finance remain unchanged.

Any other provisions and conditions as set out in the vehicle owners’ compulsory civil liability insurance policy wording, issued together with Circular No. 126/2008/TT-BTC dated December 22, 2008 and Circular No. 151/2012/TT-BTC dated September 12, 2012 by the Minister of Finance remain unchanged.