• Target Market are Bikers Associations
• The minimum number of members should be 20, if less than 20 but not less than 10 members, an additional 50% premium surcharge per member will apply.
• Age eligibility is 18 – 65 years old.
• Insured must declare their permanent residence address upon issuance.

Pays up to the Sum insured in the event of death due to accident. It provides protection to an insured person twenty-four (24) hours a day, on or out of office throughout one (1) calendar year but not to exceed twelve (12) months.

When injury does not result in loss of life of the Insured within twelve calendar months after the accident but results to any of the following losses:

Pays for death or permanent disablement sustained as a direct result of the insured being a victim of Unprovoked Murder or Assault. This benefits does not extend to cover Unprovoked Murder & Assault occurring in the following geographical areas, including their cities, barrios, and barangays:

1. Lanao Del Norte
2. Lanao Del Sur
3. North Cotabato
4. South Cotabato
5. Zamboanga Del Norte
6. Zamboanga Del Sur
7. Maguindanao
8. Sultan Kudarat
9. Sulu Archipelago
10. Basilan

Pays for medical expenses incurred due to accidental bodily injury.

Pay for the funeral expenses incurred following an accidental death.

Pays for the daily allowance to the insured as a result of accident hospital confinement up to a maximum of 7 days provided that Pregnancy, Aids, self-inflicted injury or illness, suicide, alcoholism, drug abuse, pre-existing conditions and Communicable Disease are excluded from this program.

Pays for the loss and damages incurred to the Insured’s declared house residence or contents due to fire and lightning. Unless otherwise expressly stated in the policy, this insurance does not cover:

1. Goods held in trust or commission
2. Bullions or unset precious stones
3. Any curiosity or works of arts
4. Manuscript, plans, drawings or other designs, patterns or moulds
5. Securities, obligations or documents of any kind, stamps, coined or paper money, cheques or book of accounts or other business books, computer system record
6. Loss or damage to any electrical machines or apparatus or any portion of an electrical installation arising from or occasioned by over running, excessive pressure, short circuiting, arcing, self-heating or leakage of electricity of whatever cause (lightning included), unless fire ensues therefrom and liability shall be limited to actual damage cause by the ensuing fire.

The Company will pay the insured for costs and expenses in excess of Insured’s CTPL limit of liability which the insured may be obligated to pay for the bodily injury and damage to a property belonging to third party as a result of negligence sustained during organized group rides.

Guidelines:

• The minimum number of members should be 20, if less than 20 but not less than 10 members, an additional 50% premium surcharge per member will apply.
• Age eligibility is 18 – 65 years old.
• Insured must declare their permanent residence address upon issuance.

Exclusions:

• Any loss or disability caused directly or indirectly, wholly or partly by suicide, self inflicted injuries, while sane or insane, insurrection, war declared or undeclared, participating in riot, committing an assault or felony, injuries sustained while under the influence of prohibited drugs or alcohol, competition or racing of any kind, illegal acts, An expired or invalid driver’s license, An expired vehicle registration, Have been violating traffic laws and regulation are not covered.
• Injuries arising out of the Insured engaging in hunting, racing (except foot racing and amateur bicycle racing), steeple chasing, polo playing, mountaineering, scuba diving, hand gliding, winter sports, all professional sports like ice hockey, football or rugby, basketball, volleyball or any other contact sports that require to sign a waiver are NOT COVERED under the proposed plan.
• Work related death and injury of the Insured who belong under the following categories are not covered under the plan: Security/Military personnel, people in the police force, Barangay Tanods, crew members of vessels/aircraft, professional athletes, professional entertainers (including actors), window cleaners, divers, loggers, fireman, public utility drivers including delivery riders, miners, pilots, rangers, linemen, acrobats/stuntmen, national journalists/news reporters, off-shore oil or gas rig worker, tree feller, politicians and other known celebrities/personalities, seaman/vessel crewmembers and any offshore activities/trainings.

General Exlusions:

• Communicable Disease 
• Sabotage & Terrorism
• Total Asbestos
• Cyber & Data Loss

Q: Will coverage extend to participation in motorcycle racing?
A: No, racing is not covered under this program.

Q: Will coverage be for each and every incident (except death, disablement/dismemberment) or on the aggregate?
A: Personal Accident is per occurrence

Q: Will there be a master or individual policy to be issued?
A: This is a group personal accident line, one mater policy must be issued per club

Q: Can insured consists of a group of friends but not necessarily organized as a “Club”?
A: No, it should be under association/ club

Q: Can insured consists of enrollees from different per groups in order to meet the minimum 20 (or at least 10) members?
A: No, it should be one group only from same club

Q: Is it possible to enroll someone who is not a motorcycle rider just to meet the required number of enrollees?
A: No. This product is designed for motor club only

Q: Is combination of Plans I and II per group allowed?
A: No, one Plan only

Q: For Daily Hospital Income Benefit, will it cover pre-existing condition but discovered only at the time of accident?
A: No, pre-existing conditions is not covered

Q: For Fire Assistance Benefit, will water damage in the course of firefighting operations be covered (i.e. without actual fire/lightning damage to the declared residence)?
A: No, coverage for water damages, it should be fire and lightning damages only.

Q: The major difference between Moto Club Personal Accident Insurance with regular individual
A: The major difference between Moto Club Personal Accident Insurance with regular individual Personal Accident Insurance is the coverage provided for specific risks associated with the respective activities as a group and we can cover any walks of life/ open market that will cater insurance with or without job.

     This also includes coverage for personal liability sustained while the club is doing its activities. The policy may also include additional benefits, such as coverage for Fire Cash Assistance benefits.

Q: Can the program insure delivery riders?
A: Yes, but work related of public utility drivers are not covered.

Q: Under MyMotoClub Mate under Personal Liability. What will the insured claim if they don't have a CTPL policy?
A: If the insured does not have a CTPL (Compulsory Third Party Liability) policy, then the coverage will only apply if there is a valid and collectible claim against the insured for third-party bodily injury or property damage.

The personal liability coverage will only apply after the limits of the CTPL policy (if any) have been exhausted. The CTPL policy is typically required by law in many jurisdictions, and it provides coverage for the insured's legal liability for bodily injury or death of third parties arising out of the use of the insured vehicle.

Therefore, if the insured does not have a CTPL policy and is involved in an accident resulting in bodily injury or death to a third party, they may be personally liable for any damages awarded to the injured party. The personal liability coverage in this insurance policy may provide additional protection in excess of the CTPL limit, but it is important to note that this coverage is secondary and will only apply after the CTPL limit has been exhausted.

Q: Is there any qualification in regards to model of the motorcycle?
A: All type of motorcycle are acceptable as long as they are active members of a club.