<h1 style="text-align:center">SUMMARY OF BENEFITS &amp; SERVICES</h1>

<p>&nbsp;</p>

<p style="text-align:center"><strong><u>SECTION 1-VEHICLE ASSISTANCE</u></strong></p>

<ol>
	<li>TOWING OF THE COVERED VEHICLE- In the event that the Covered motor unit could not move due to breakdown, IBERO ASISTENCIA will bear with the towing expenses of the Covered Unit up to a maximum agreed limit of Php 5,000 (Five Thousand Pesos) per event to the nearest accredited repair facility.</li>
</ol>

<p>&nbsp;</p>

<ol start="2">
	<li>REMOVAL OF VEHICLE - In the event of an accident, where the vehicle has been rendered a total wreck or has fallen in a ravine, and the like, IBERO ASISTENCIA will arrange to have the Vehicle removed with the use of a crane and brought to the nearest accredited facility. The Maximum amount payable is Php 10,000 (Ten Thousand Pesos) per event. No amount shall be payable under this benefit service with respect to the repair cost of the Vehicle. In the event that the expense is higher than the guaranteed limit, the excess will be to the account of the Beneficiary.</li>
</ol>

<p>&nbsp;</p>

<ol start="3">
	<li>BATTERY BOOSTING/JUMPSTARTING In case the vehicle battery is weak and not enough power to start the engine, IBERO ASISTENCIA will send a technician complete with a good spare battery and boosting cable and shall conduct a battery boosting onsite.</li>
</ol>

<p>&nbsp;</p>

<ol start="4">
	<li>FUEL DELIVERY If the Covered Motor runs out of fuel, the Beneficiary may request IBERO ASISTENCIA to provide up to an agreed number of litres. Beneficiary will pay for the cost of the fuel itself.</li>
</ol>

<p>&nbsp;</p>

<ol start="5">
	<li>LOCKSMITH SERVICE- lf the Beneficiary cannot access the Covered Vehicle due to the keys being locked inside the Vehicle, IBERO ASISTENCIA will provide a locksmith to open the vehicle door and pay for the Locksmith&#39;s labor charges and travel expenses or will pick up the spare key in the Beneficiary&#39;s home or office and deliver it to the driver onsite. This benefit is up to Php 5,000 (Five Thousand Pesos) per event.</li>
</ol>

<p>&nbsp;</p>

<ol start="6">
	<li>TIRE REPLACEMENT- IF he Covered Vehicle has a punctured tire, IBERO&nbsp;ASISTENCIA will take care of replacing it for the spare, using a technician accredited by IBERO ASISTENCIA</li>
</ol>

<p>&nbsp;</p>

<p>The minor on-site repair benefits (items 3 to 6) EACH have a sub-limit of up to Php 5,000 per event. Neither the supply of parts or replacement elements, nor materials in general are included in this coverage. Availment of any of the above benefits would constitute one event.</p>

<p>&nbsp;</p>

<p style="text-align:center"><strong>SECTION 2-PERSONAL ASSISTANCE</strong></p>

<ol>
	<li>STAY OR TRAVELING EXPENSES OF THE BENEFICIARY DUE TO THE IMMOBILIZATION OF THE COVERED VEHICLE</li>
</ol>

<p>The Beneficiary may choose among the following benefits:</p>

<ol start="2">
	<li>IBERO ASISTENCIA will bear the cost of up to two (2) night hotel stay at an agreed rate of up to Php 1,000 per night, totalling to a maximum of Php 2,000.00 per event in case of immobilization of the Covered Vehicle due to breakdown, and repair time is longer than 48 hours as established by the repair facility: OR</li>
	<li>Continuation of journey Beneficiary may choose between (if the vehicle cannot be repaired within 48 hours from time of breakdown):</li>
	<li>Courtesy Car Arrangement for the transfer to the place of residence or original place of destination thru provision of alternate means of transportation, for as long as the distance between the place of breakdown to the place of original destination is not greater from the place of breakdown to the Beneficiary&#39;s usual place of residence. Maximum limit up to Php 2,000 (Two thousand Pesos) per event</li>
</ol>

<p>OR</p>

<ol>
	<li>Transportation Reimbursement-Reimbursement of alternative transportation expenses (subject to submission of Original Receipt) to the place of planned destination, for as long as the distance between the places of breakdown to the place of original destination is not greater than the distance from place of breakdown to the Beneficiary&#39;s usual place of residence. Maximum limit up to Php 2,000 (Two thousand Pesos) per event</li>
</ol>

<p>NOTE: Availment of any of the above benefits would constitute one event.</p>

<p>&nbsp;</p>

<ol start="2">
	<li>ACCIDENT COORDINATION</li>
</ol>

<p>In the event of an accident involving the covered vehicle, upon the request of the Beneficiary, IBERO ASISTENCIA will coordinate with the necessary government agencies (PNP, PNP HPG, MMDA SKYWAY Patrol, etc.) to assist the Beneficiary,</p>

<p>&nbsp;</p>

<ol start="3">
	<li>ARRANGEMENT FOR HOSPITAL ADMISSION</li>
</ol>

<p>IBERO ASISTENCIA will take necessary admission assistance in the event the Beneficiary and or other passengers in the covered vehicle, are injured in a car accident. Medical expenses are to be borne by the Beneficiary or said other passengers in the covered vehicle.</p>

<p>&nbsp;</p>

<ol start="4">
	<li>AMBULANCE COORDINATION ASSISTANCE</li>
</ol>

<p>IBERO ASISTENCIA will coordinate for an ambulance service when necessary, to bring the injured to the nearest hospital with appropriate medical capabilities and facilities for treatment. The ambulance expenses are for the account of the Beneficiary.</p>

<p>&nbsp;</p>

<ol start="5">
	<li>LEGAL ASSISTANCEE</li>
</ol>

<p>IBERO ASISTENCIA will provide local contact information for attorneys as may be required by the Beneficiary. The costs of the legal services of the lawyer will be borne by the Beneficiary.</p>

<p>&nbsp;</p>

<p style="text-align:center"><strong>SECTION 3-INFO 24/7 SERVICE</strong></p>

<ol>
	<li>MMDA Traffic Advisory</li>
	<li>Directory Assistance</li>
	<li>Emergency Message Relay</li>
	<li>Road Directory Assistance</li>
</ol>

<p>&nbsp;</p>

<p style="text-align:center"><strong>SECTION4-ADDITIONAL BENEFITS</strong></p>

<ol>
	<li>Loss of Use- Covers reimbursement of rental expense incurred by the Insured for an alternative vehicle in the event that the enrolled/ insured unit is IMMOBILIZED due to an accident (excluding acts of nature):</li>
</ol>

<ul>
	<li>Coverage is up to Pho 1,500 per day for a maximum of 3 days subject to the submission of the Official Receipt</li>
	<li>Reimbursement benefit is triggered on the 4th day from the date of accident</li>
</ul>

<p>IBERO will accommodate filing of reimbursement for the above benefit provided there&rsquo;s an actual towing that has been rendered by 1BERO Asistencia and subject to submission of the required documents mentioned below within 90 days from date of car rental</p>

<ul>
	<li>With open case (Beneficiary called the hotline to report the incident)</li>
	<li>Accomplished original Claim Form</li>
	<li>Valid l0</li>
	<li>Original OR</li>
</ul>

<ol start="2">
	<li>Secondary Towing</li>
</ol>

<p>Secondary Towing is defined as the service by which a vehicle that is non drivable is to be transported from a location other than the place of breakdown to the nearest repair shop.</p>

<p>Secondary towing pick-up and delivery locations include but are not limited to the following</p>

<ul>
	<li>Repair shop to warehouse and vice versa</li>
	<li>Impounding site to repair shop and vice versa</li>
	<li>Repair shop to repair shop</li>
	<li>Repair shop to home</li>
</ul>

<p>Specific exclusions of secondary towing in addition to General Exclusion, the Beneficiary is not covered for the dismantled units/vehicles due to the following reasons:</p>

<ul>
	<li>Responsibility on dismantled parts</li>
	<li>Inventory of parts</li>
	<li>Time consuming</li>
	<li>No compartment for storage of parts in the tow truck</li>
	<li>Possibility of lost part during transport</li>
</ul>

<p>Utilization of the benefit constitutes one event forming part of the 3 covered events per year under this contract whether arising from accident or breakdown</p>

<p>&nbsp;</p>

<p>Limit per event is Php 5,000 (Five Thousand Pesos)</p>

<p>&nbsp;</p>

<p><strong><u>Qualifications</u></strong></p>

<p>The Vehicle designated in the declaration provided that:</p>

<ul>
	<li>The Vehicle is not used for public transport of persons or merchandise, for hire with or without a driver</li>
	<li>The Vehicle does not exceed 3,500 kilograms in weight as long as private</li>
	<li>The Vehicle is not more than twelve (12) years old</li>
</ul>

<p>&nbsp;</p>

<p><strong><u>GENERAL CONDITIONS</u></strong></p>

<ol>
	<li>IBERO shall be liable for rendering services or paying indemnity to the Beneficiary, provided that the Beneficiary has complied with, and continues to comply with the terms of this Contract</li>
	<li>In the event that the Beneficiary requires a benefitl&#39;service named in this Contract, the Beneficiary shall:</li>
	<li>Take all reasonable precautions to minimize the loss.</li>
	<li>Call IBERO as soon as possible to report the problem and request services.</li>
	<li>Freely provide lBERO with all relevant information.</li>
	<li>Make no admission of liability or offer promise or payment of any kind, except if expressly authorized by IBERO.</li>
	<li>IBERO is not liable in respect of any service, which would otherwise be rendered under this Contract, should there be any insurance in force covering the same contingences which predates this Contract</li>
	<li>Whenever IBERO is not involved directly in providing the service, the Beneficiary shall first obtain IBERO&#39;s authorization by telephone. After receiving service from third party, the Beneficiary shall submit the original invoices to IBERO for reimbursement within ninety (90) days from date of assistance, to be eligible for reimbursement.</li>
</ol>

<p>&nbsp;</p>

<p><strong><u>EXCLUSIONS</u></strong></p>

<p><strong><u>&nbsp;</u></strong></p>

<ol>
	<li>IBERO will not be liable to provide any service assistance during or after the occurrence of events that arise directly, indirectly of proximately from:</li>
	<li>Fraudulent acts by any Beneficiary or any other person entitled to the services under this Contract</li>
	<li>Consequential losses of any kind.</li>
	<li>Terrorism, mutinies, riots, wars, insurrections, industrial disturbances, civil disturbances, vandalism, sabotage.</li>
	<li>Actions by the armed forces, or security forces, or other organizations.</li>
	<li>The imposition of government restrictions (including the denial or cancellation of any necessary licensed,</li>
	<li>Failure of electrical supply or telecommunications network</li>
	<li>Nuclear radio activity.</li>
	<li>Participation of the Beneficiary in:</li>
</ol>

<p>&nbsp;</p>

<ul>
	<li>Competitions, rallies, or contests</li>
	<li>Competition sports</li>
	<li>Criminal conduct</li>
	<li>Wagers or challenges</li>
</ul>

<p>&nbsp;</p>

<ol>
	<li>Participation of the Beneficiary in risk activities such as motor sports.</li>
	<li>Deliberate acts of the Beneficiary.</li>
	<li>Illnesses or pathological states produced by voluntary consumption of alcohol, drugs, toxic substances, narcotics, or medicines acquired without medical prescription.</li>
	<li>Suicide or attempted suicide, mental illness, pregnancy, abortion or childbirth, preventive medical check-ups, thermal treatments, aesthetic surgery, acquired immune deficiency syndrome (AIDS), and trips whose objective is receiving medical treatment or surgery.</li>
	<li>Labour-related accidents or illness suffered during the professional activity qualified as a risk activity.</li>
	<li>The driver of the Vehicle:</li>
</ol>

<ul>
	<li>Is under the influence of drugs, toxic or narcotic substances, or his/her blo0d-alcohol level exceeds that permitted by the laws in the country where the Vehicle is being driven.</li>
	<li>Is not in possession of a valid and subsisting driver&rsquo;s license corresponding to the class of Vehicle being driven.</li>
</ul>

<ol start="2">
	<li>IBERO will not be liable for the cost of:</li>
	<li>Any repairs to the Vehicle.</li>
	<li>Any service assistance arranged by or on behalf of the Beneficiary without the prior authorization of IBERO except, in case of emergency or force majeure.</li>
</ol>

<p>&nbsp;</p>

<p>Excluded Areas <strong>(with a free buy back cover for reimbursement subject to initial call to the 24/7 telephone hotline and presentation of required documents to be filed within 90 days to 1BER0 from date of towing service)</strong></p>

<p>&nbsp;</p>

<ul>
	<li>Lanao del Norte (except ligan City)</li>
	<li>North Cotabato</li>
	<li>Maguindanao</li>
	<li>Lanao del Sur</li>
	<li>South Cotabato</li>
	<li>Sultan Kudarat</li>
	<li>Sulu</li>
	<li>Basilan</li>
	<li>Zamboanga del Sur</li>
	<li>Compostela Valley</li>
	<li>Masbate</li>
	<li>Batanes</li>
	<li>Marinduque</li>
	<li>Tawi</li>
	<li>Zamboanga del Norte</li>
	<li>Zamboanga Sibugay</li>
	<li>Catanduanes</li>
	<li>Sarangani</li>
	<li>Romblon</li>
	<li>Guimaras</li>
	<li>Camiguin</li>
</ul>

<p>&nbsp;</p>

<p>The nearest available truck will be dispatched but waiting time may vary for those covered areas where there are no IBERO tow trucks present or no third party towing company available in the area.</p>

<p>&nbsp;</p>

<p>Whenever IBERO ASISTENCIA is not involved directly in providing the service, the Beneficiary shall first obtain IBERO ASISTENCIAs authorization by telephone. After receiving the service from a third party, the Beneficiary shall submit the original invoices to IBERO for reimbursement within 90 days from date of assistance (towing service). Reimbursement will only be made if the towing service of a third party was done on a covered area under the Contract.</p>

<p>&nbsp;</p>

<p><strong>ALLOWABLE REIMBURSEMENT CASES</strong></p>

<ul>
	<li>South Luzon Expressway (SLEX) and SKYWAY</li>
	<li>North Luzon Expressway (NLEX)</li>
	<li>Southern Tagalog Artillery Road (STAR) Tollway</li>
	<li>Subic-Clark-Tarlac Expressway (SCTEX)</li>
	<li>Tarlac-Pangasinan-La Union Expressway (TPLEX)</li>
	<li>Cavite Expressway (CAVITEX) and Coastal Road</li>
	<li>Immediate Towing Zone such as EDSA, Roxas Boulevard, Macapagal Boulevard, Osmena Highway</li>
	<li>Cases with prior approval from IBERO ASISTENCIA</li>
</ul>

<p>&nbsp;</p>

<p><strong>REQUIREMENTS FOR REIMBURSEMENT:</strong></p>

<ul>
	<li>A call to the 24/7 hotline at the time of immobilization</li>
	<li>Submission of the following required documents within 90 days from date of towing by the other provider:</li>
	<li>Official Receipt with Serial Number (Invoice Not Allowed)</li>
	<li>Copy of Driver&#39;s License or any Valid D</li>
	<li>Completed Claim Form</li>
	<li>Incident Report</li>
</ul>

<p>&nbsp;</p>

<p><strong>NUMBER OF COVERED EVENTS A YEAR:</strong></p>

<p>The Beneficiary is entitled to a maximum of three (3) events per year, In case of road accident, this limit will not apply.</p>

<p>Vehicle will always be delivered to nearest accredited repair shop.</p>

<p>In the event that the expense is higher than the guaranteed limit, the excess will be for the account of the Beneficiary. In cases where the Beneficiary has exceeded the number of covered events in a year, the cost of the service will be for the account of the Beneficiary.</p>

<p>Assistance or coordination services where the actual costs/ expenses are not indemnified by IBERO Asistencia have no limit on the number of availed in a year.</p>
