Lockdown heightens auto risks
The Coronavirus disease 2019 (Covid-19) has forced more Filipinos to stay indoors and leave their cars idle.
For car owners, long periods of vehicle unuse increases the chance for their vehicles to malfunction. The more obvious damage would be tires going flat and drained batteries. Some motorists also experienced belts and wires corroding as well as valves and cylinder walls due to lack of any oil or movement inside.
Furthermore, interior electricals malfunction with power windows and electric seats getting jammed. Vehicle immobility can also result in problems for the air conditioner and the paint job may also deteriorate.
Besides the limits to motoring during the community quarantine, car owners have to contend with natural calamities, like typhoons and floods coming this rain season.
Based on data from the National Disaster Risk Reduction and Management Council (NDRRMC), damages to property and assets, including cars, incurred from typhoon Haiyan or locally known as “Yolanda” back in 2013 amounted to P93 billion.
This year, the Philippine Atmospheric, Geophysical and Astronomical Services Administration (Pagasa) said that there is a 50-percent probability of experiencing La Niña by the tail-end of 2020. La Niña is a natural phenomena typified by heavier rains, flooding and flash floods.
All these factors serve as a red flag for Filipinos to start protecting their motoring assets. And one can minimize these risks by having insurance protection for their vehicles, with a reliable motorcar roadside assistance service.
According to Malayan Insurance Co. Inc., a comprehensive motorcar insurance should be equipped with compulsory third-party liability, own damage and theft, voluntary third-party liability on bodily injury and property damage, auto personal accident insurance, and should also cover damages from acts of nature, loss of use, as well as strikes, riots and civil commotions.
The non-life insurance firm is offering Auto Master, a comprehensive insurance policy for covering an entire gamut of risks for vehicles including: protection in case of loss or damage to your car; personal accident protection for yourself and passengers; liability to other injured persons or damaged properties; extended coverage on damages caused by convulsions of nature/acts of nature (AON) such as typhoon, flood, and strong winds; and reimbursable transportation allowance while your car is being repaired.
With Auto Master, policyholders also get free membership to a roadside assistance program under its Call Malayan Insurance Live Line (CAMILLE) by simply dialing the hotline number (02) 8687-8525. CAMILLE gives free emergency towing service in Metro Manila, Metro Cebu, Metro Davao and other key areas nationwide, seven days a week.
Malayan Insurance is the leading non-life insurer in the Philippines and a member of the Yuchengo Group of Companies (YGC).