ProtekTODO Fire 99 is a Fire Assistance policy valid for one (1) year for individuals aged 18 to 70. It covers fire incidents in which at least 75% of the house is fire-damaged, as well as accidental death.
This Fire Insurance offers one (1) year of exclusive coverage for residential properties, providing financial protection against fire-related incidents. Each policyholder may hold only one (1) policy.
Insured can have a maximum of 1 policy.
HOW TO APPLY FOR A CLAIM
🟢 Go to any nearest Palawan Pawnshop branch.
🟢 The claim should be reported within thirty (30) days from the date of the incident. 
🟢 Fill out the Notice of Claim available at the branch.
🟢 Once the incident is evaluated at the branch and subject for a claim, submit original copies of the documents for a fast evaluation of the claim.
**Lacking documents are given a maximum of sixty (60) days from the date of the incident to complete.
You will be notified through your given mobile number upon the status of the claim.
All claims will be payable in cash and will be released at the branch where the claim was filed.
SCOPE OF COVERAGE
Protection against loss of life or bodily injury, resulting solely, directly and independently of all other causes from an accident caused by external, violent, and visible means. These include:
• Acts of nature;
• Dog Bites and snake bites ;
• Accidental food poisoning;
• While riding as a passenger of any type of public conveyance licensed to carry passenger-sea, air or land.
• Death loss or injuries resulting whilst driving/operating any two-wheeled Motorized vehicle including pillion rider.
CONDITIONS
• Insured can avail one (1) policy only.
• Eligibility: Principal must be 18 to 70 years old.
• Coverage is limited to the declared residential address only.
• Total Loss – a residential is considered a constructive total loss if fire damage exceeds 75% and is subject to the submission of photos, BFP and Police Report.
• If an address is insured under more than one policy, only a single policy will apply to the claim.
EXCLUSIONS
The policy will not cover any loss or expense caused by or resulting from:
1. Intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane.
2. War, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, conspiracy, rebellion, revolution, insurrection or military or usurped power or
3. Congenital defects and conditions
4. Engaged in any military duties or naval operations, police and civilians with peace and order duties or combatant duties or trainings
5. Motorcycle related injuries or loss of life with expired or invalid driver’s licensed, expired vehicle registration.
6. Driving under the influence of prohibited drugs or alcohol.
7. Sabotage and terrorism is not covered
8. Loss or damage due to pandemic
**These are only some of the exclusions. Complete listings are in the issued policy.**
DISCLAIMER
In case of conflict, the Master Policy shall prevail over the Confirmation of Cover. By purchasing this policy, customer acknowledges that he/she has read, understood, and accepted voluntarily the terms and conditions of this policy.