OWN DAMAGE
Covers the policyholder's vehicle from damages due to accidents.
 
THEFT
Covers the insured vehicle and its parts from theft. If aftermarket parts are installed, it should be declared and listed in the insurance policy

EXCESS THIRD PARTY LIABILITY - BODILY INJURY
Protects the insured from liabilities due to injuries caused to other persons. This coverage is on top of the mandatory CTPL insurance
 
THIRD PARTY LIABILITY - PROPERTY DAMAGE
During accidents and the insured is at fault, this coverage protects you from liabilities in having other vehicles (or properties) of other people repaired
 
PASSENGER INSURANCE
The passengers of the insured vehicle are covered by accident insurance coverage 

 
ACTS OF NATURE (AON)

An optional coverage, AON covers own damage to vehicles due to natural calamities including typhoon, flood, earthquake and volcanic eruptions