WARRANTIES AND CLAUSES

DRUNKEN DRIVERS CLAUSE

This is inoperative when the driver of the Scheduled Vehicle is found to be under the influence of liquor or of
alcoholic breath without prejudice to the No Fault Indemnity Provision under Section II.

DOCUMENTARY STAMP CLAUSE

"Acceptance of the terms of this proposal means that:

It is understood that upon the issuance of the policy, no payment for documentary stamp tax will be refunded as a result
of the cancellation or endorsement of the policy or a reduction in the premium due for whatever reason; and

If a cancellation or endorsement occurs prior to the settlement of the amount due under the policy, you, as
agent/broker, guarantee the payment of the corresponding documentary stamp tax due, which amount may be legally
enforced against, and collected from you."

PAIR AND SET CLAUSE

IT IS UNDERSTOOD AND AGREED that in the event of Loss or Damage to any accessor(ies), spare part(s) forming part of a
pair set, the measure of Loss or Damage to such accessory or spare part shall be its reasonable and fair proportion to the
total value of the pair or set, giving consideration to the importance of said accessor(ies) or spare part(s), but in no event
shall such Loss or Damage be construed to mean a Total Loss of the pair or set.

STANDARD REPAIR CLAUSE

IT IS HEREBY DECLARED AND AGREED that in the event of a claim for Own Damage under Section III hereof, if the
Scheduled Vehicle is more than two (2) years old at the time of Loss, repairs shall be undertaken by a NON-DEALER
(NON_CASA) repair shop accredited with the Company.

VALID LICENSE CLAUSE

This Company shall not liable under this policy if at the time of the accident, the driver of the insured vehicle does not
hold a valid license. For this purpose, a license of Traffic Violation Receipt (TVR) which has expired is not considered valid.

WAR AND TERRORISM EXCLUSION CLAUSE

Notwithstanding any provision to the contrary within this insurance or any endorsements thereto it is agreed that this
insurance excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or
in connection with any of the following regardless of any other cause or event contributing concurrently or in any other
sequence to the loss;

Unit 2, 2/F Intellect Building Mac Athur Highway San Sebastian Tarlac City 2300
Trunkline (045) 491- 6085 / Fax No. (045) 493- 1713 / Visit us: https://alphainsurance.com.ph/ TIN 000-433-024-012-VAT
(1) war, invasion, acts of foreign enemies, hostilities, or war-like operations (whether war be declared or not), civil war,
rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or
usurped power, or

(2) any act of terrorism. For the purpose of this endorsement, an act of terrorism means an act, including but not limited
to the use of force or violence and/or threat, of any person or group(s), of persons, whether acting alone or on behalf of
or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar
purposes including the intention to influence any government and/or to put the public, or any section of the public, in
fear. This endorsement also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by
resulting from or in connection with any action taken in controlling, preventing suppressing or in any way relating to (1)
and/or (2) above. If the Underwriters allege that by reason of this exclusion, any loss, damage, cost or expense is not
covered by this insurance the burden of proving the contrary shall be upon the Assured. In the event any portion of this
endorsement is found to be invalid or unforceable, the remainder shall remain in full force and effect.

Y2K EXCLUSION ENDORSEMENT - MOTOR CAR

The Company will not indemnify the insured against:

Damage or Consequentila Loss or Legal Liability or in respect of any other costs and expenses of whatsoever nature
directly or indirectly cause by or contributed to or arising from:
the failure of liability at any time of any computer, electronic, equipment, data processing equipment or media,
microchip, integrated circuit or similar device or any computer software, wether the property of the Insured or not, to:
(a) recognize correctly or treat any date as its true calendar date and/or
(b) capture, save, retain, process, manipulate or interpret correctly any data information command or instruction as
a result of
(i) its failing to treat any calendar date as its true date or
(ii) the operation of any programmed command which by reason of a failure or inability to treat any date as its
true calendar date cause the loss of data or an inability to capture, save, retain or process correctly such
data at any time.

ACTS OF NATURE ENDORSEMENT

In consideration of the payment of additional premium, it is hereby understood and agreed that loss and
damage directly attribute to Flood, Typhoon, Hurricane, Volcanic Eruption, Earthquake or other convulsion of nature are
covered subject to the limits of liability stated in the Policy Schedule.

AUTO PASSENGER PERSONAL ACCIDENT CLAUSE

In consideration of the payment of an additional premium, it is hereby declared and agreed that the company
undertakes to pay compensation on the scale provided below for bodily injury as herein after defined sustained by the
passengers, including the driver in the motor vehicle herein insured while driving, mounting into, dismounting from or
travelling in the motor vehicle, and caused by violent accidental external and visible means which independently of any

Unit 2, 2/F Intellect Building Mac Athur Highway San Sebastian Tarlac City 2300
Trunkline (045) 491- 6085 / Fax No. (045) 493- 1713 / Visit us: https://alphainsurance.com.ph/ TIN 000-433-024-012-VAT
other cause subject to the provisions, exclusions and coverages as hereinafter defined and contained, within six (6)
calendar months of the occurrence of such injury result in:

I. LOSS OF LIFE ACCIDENT INDEMNITY Limit Per Person As Stated Below .

Scale of Compensation Per Person
1. Death 100% of Principal Sum
2. Total and irrevocable loss of all sight in both eyes 100% of Principal Sum
3. Total loss by physical severance at or above the wrist or ankle of one hand or one foot together with total and
irrevocable loss of all sight to one eye 100% of Principal Sum
4. Total loss by physical severance at or above the wrist or ankle of both hands or both feet or one hand together with
one foot 100% of Principal Sum
5. Total and irrevocable loss of all sight in one eye 50% of Principal Sum
6. Total loss by physical severance at or above the wrist or ankle of one hand or one foot
50% of Principal Sum
II. MEDICAL EXPENSES REIMBURSEMENT
When by reason of injury, the Insured shall require treatment by a legally qualified Physician or Surgeon, confinement
in a hospital or the employment of a licensed or graduate nurse.
The Company will pay the actual expense incurred within Fifty two (52) weeks from the date of the accident for such
Physician treatment, hospital charges and nurses' fees, but not to exceed the sum as stated below as a result of any one
accident.
EXCEPTIONS
a. Compensation shall be payable under one only of items (1) to (6) above in respect of any such person arising out of
any one occurrence and the total liability of the company shall not in the aggregate exceed the principal sum in respect
of any such person.
b. No compensation shall be payable in respect of death or injury directly or indirectly wholly or in part arising or
resulting from or traceable to (1) intentional self injury, suicide (whether felonious or not) or attempted suicide, or
willfully exposing the vehicle to needless perils, physical defect or infirmity or (2) an accident happening whilst such a
person is under the influence of intoxicating liquor or drugs or (3) while the vehicle is engaged in any race, speed or
endurance tests.
c. Such compensation shall be payable only with the approval of the insured directly to the injured person or to his
legal personal representatives whose receipt shall be a full discharge in respect of the injury to such person.
d. If at the time of the accident, the number of passengers exceeds the maximum authorized seating capacity declared,
the Company shall not be liable for all expenses incidental to such accident involving excess passengers.
e. Medical expenses shall be the actual cost of medical, surgical, or other remedial attention, treatment or appliances
given or prescribed by a legally qualified physician and all hospital, nursing home and ambulance charges as a result of a
covered accident.

Road Side Assistance Included

Unit 2, 2/F Intellect Building Mac Athur Highway San Sebastian Tarlac City 2300
Trunkline (045) 491- 6085 / Fax No. (045) 493- 1713 / Visit us: https://alphainsurance.com.ph/ TIN 000-433-024-012-VAT