Motor Vehicles

Safety and security are on top of our priority every time you go anywhere. Not only your vehicle is protected but also you, your passengers and anything involved. It covers private and commercial vehicles.

Western Guaranty’s Motor Car Insurance may cover private and commercial vehicles, and motorcycles.

Own Damage/Theft

Your vehicle is insured against any vehicular accident, theft, fire, malicious damage as well as self-ignition.

Compulsory Third Party Liability (CTPL)

As required by LTO when registering your vehicle, CTPL provides indemnity to third parties for death or bodily injuries.

Voluntary Third Party Liability – Bodily Injury

This serves as an extension of your CTPL and answers the liabilities or expenses in excess of the CTPL cover.

Voluntary Third Party Liability – Property Damage

This provides insurance protection for your legal liabilities resulting from damage to properties of third parties.

“Acts of Nature”

This extends to cover damage to your vehicle due to “force majeure” such as, earthquake, lightning, tidal wave, typhoon, flood, hurricane, windstorm, hailstorm, cyclone, tornado, tempest and volcanic eruption.

Disclaimer : The Underwriting Department has the option to accept or decline an application, or limit the company’s maximum amount of acceptance or limit the amount of coverage.


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