A comprehensive auto insurance have the following coverages:

 

OWN DAMAGE COVERAGE

Covers your vehicle from damages due to accidents

 

THEFT

Covers your vehicle from carnapping. The standard parts and accessories included in your vehicle are also covered. 

 

EXCESS THIRD PARTY LIABILITY - BODILY INJURY

Protects you from liabilities in case you are at fault and you need to pay medical expenses of other people. This is on top of your CTPL insurance

 

THIRD PARTY LIABILITY - PROPERTY DAMAGE

During accidents and you are at fault, this coverage protects you from liabilities in having other vehicles (or properties) of other people repaired

 

PASSENGER INSURANCE

The passengers of your insured vehicle also have coverage against unfortunate incidents. This covers accidental death and medical reimbursements due to accidents

 

ACTS OF NATURE (Optional)

To cover damages to your vehicle due to natural calamities like typhoon, flood, earthquake and volcanic eruptions, your vehicle should have Acts of Nature or Acts of God coverage.