Voluntary car insurance



Cars that are licensed to run on roads within the territory of the Socialist Republic of Vietnam and any special cases as accepted by PTI.

Scope overage

PTI shall indemnify the car owner in respect of any physical damage caused by a sudden and unexpected accident that is beyond the car 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 prevent 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 and/or the insured value specified in the insurance certificate.

 Click the following links to view/download:

- Decision No. 82/2015/QD-PTI promulgating voluntary motor vehicle insurance policy wording and premium table
- Voluntary motor vehicle insurance policy wording (issued with Decision No. 82/2015/QD-PTI)