Pioneer Insurance Bulletin, October 2009

YOUR CAR INSURANCE

If you have a special rider on your policy called “Act of God” (AOG), please follow the procedures below:

Claims procedures:

• When giving us a call, kindly give us the following information:
  • Client’s Name
  • Policy Number
  • Details of the vehicle, i.e., plate number, make and model, etc.
  • Client’s Contact Details

• We will require you to submit the following documents:
  
  • OR / CR
  • Photocopy of Driver’s License
  • Affidavit of Loss
  • Picture, if available

Whether you have the AOG rider or not, however, we have made the following arrangements for you:

Car repair

Pioneer accredited shops and dealers have given their commitment to assist and accommodate Pioneer policyholders.  Due to the huge demand for repairs brought about by the typhoon, however, space and manpower availability may vary from day to day.  Please call your preferred shop/dealer in advance to avoid further inconvenience. 

Once your unit is brought in to our accredited shop/dealer, kindly notify our office right away so that we can facilitate the process of having your car repaired at the soonest possible time.

Our List of Accredited Shops and Dealers  

Towing service

Pioneer offers free towing service for clients with Pioneer’s Auto Rescue. Clients with the Auto Rescue feature may also arrange their own towing service and have the cost reimbursed with us. As towing services are now difficult to avail of, we are allowing clients with Pioneer’s Auto Rescue to have their unit/s towed by another service provider.  Just notify our office in advance and submit the Official Receipt for reimbursement.  You are allowed a maximum reimbursement of 4,000.00 pesos.

Inspection 

Depending on the extent of damage and documents presented, Pioneer may opt not to have a particular unit inspected and immediately authorize your vehicle’s repair based on the negotiated and evaluated estimate.   

Things you can do at home to care for your car.

Do not start the engine of a car that has been submerged in water. That will only damage it further. Try to clean what you can by hosing down the engine to avoid mud from hardening.

HERE ARE A FEW THINGS YOU CAN DO IN THE FUTURE:

1. Fix any broken doors and windows. Make sure that there are no objects that can obstruct the entrance, just in case you may need to evacuate. Tape your big glass windows which can be shattered by road signs, tree branches and other things.
2. If the place where you live always had problems with floods and a great typhoon is expected, move to an evacuation center in a higher ground even before the water levels reach a meter high. You should also park your car in a higher ground. Do not leave it in your garage because it can be carried by strong floods and cause bigger disasters.
3. Since it wouldn't be wise to be loitering around during typhoons and convenience shops are possibly closed, store enough food and water for a few days. Power and water connections might also stop, so you might as well prepare a lot of candles, batteries, rain coats and thick blankets to keep you warm.
4. Make sure that all items in your backyard or balcony are fixed. If any of those items can possibly be flown by strong winds, better store them inside for the meantime. Also, remove rooftop construction accessories, if any, as these can be detached and may break other people's windows.
5. Ensure that all water drains in your home are clean to avoid clogged drainage systems which can cause a lot of water problems.
6. Listen to news about the typhoon. If the power is down, make sure that you have a battery-powered radio so you are still updated on what is happening, and know if in case there is an emergency evacuation program. Listening to the news will also keep you informed when the typhoon is expected to stop.

(http://www.articlesbase.com/home-and-family-articles/emergency-preparation-for-a-typhoon--797221.html)

ON YOUR HOME INSURANCE

If you have a special rider on your policy called "Typhoon Endorsement" or if your policy provides coverage against "All Risks" of Physical Damage, please follow the procedures below:

Claims procedures:

• When giving us a call, kindly give us the following information:

• Client’s Name
• Policy Number
• Details of the property, i.e. address
• Client’s Contact Details

A Message from Pioneer Insurance: While this calamity is unprecedented, we assure you that we are doing all we can to expedite your claims and to offer you valued assistance as you recover from the damages wrought by Typhoon Ondoy. We thank you for your patience and understanding.

YOUR LIFE INSURANCE

Pioneer Life is extending the grace period for payment by an additional 30 days for premiums of life insurance policies with due dates from August 25, 2009 to October 31, 2009.

For Variable Life policies, the extended grace period applies if the Total Fund Value becomes insufficient to cover the relevant charges due on any Insurance Charge Due Date falling on August 25, 2009 to October 31, 2009.

If you have lost or damaged your policy contract, Pioneer Life will replace this for free. Simply get in touch with your servicing agent or visit the nearest Pioneer Life office to fill up a declaration of loss.

For queries, please call:

Our toll free no. 1 800 1888 8383
Life insurance hotline (63 2) 812 2832
Pioneer trunkline (63 2) 812 7777
Please look for Richmond Lucas or Cielo Beltran.