Terms and Conditions

AUTO CARS DIRECT ASSISTANCE CORP of 7th Floor Corinthian Plaza Bldg., 121 Paseo De Roxas, Makati City, Philippines and its controlled brand affiliate INSURANCE DIRECT are underwritten by People’s General Insurance Corporation who insure private passenger and commercial automobiles for qualified applicants.

Your use of the Online Services portion of this web site is also subject to the Online Services and Terms Conditions that appears below. The term "Terms and Conditions" as used herein includes both the General Terms and Conditions and the Online Services Terms and Conditions.

This web site presents information and content that is owned or licensed by the AUTO CARS DIRECT ASSISTANCE CORP hereinafter to be known as the ‘COMPANY’. When used in these Terms and Conditions, "we", "our" and "us" mean the Company.


CHANGES

The content on this web site and these Terms and Conditions, are subject to change or updating by the Company at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME FOR ANY CHANGES TO BE MADE. YOUR CONTINOUS USE OF THIS WEB SITE CONSTITUTES YOUR ACCEPTANCE OF ANY CHANGE OR UPDATE, ALL OF WHICH SHALL BECOME CONTROLLED WHEN POSTED.


USE OF THE SITE BY NON-PHILIPPINES PERSONS

The Company makes no claims that the content on this web site is appropriate or may be downloaded outside of the Philippines. Access to the content may not be legal by certain persons or in certain countries. If you access the site from outside the Philippines, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.


PRIVACY POLICY

Your personally identifiable information that we may collect is subject to our Privacy Policy, which is incorporated into these Terms and Conditions by reference.


NO REPORTING OF CLAIMS ON THIS SITE

You may advise us in reporting your intent to make a claim on this web site, however, in order to file a valid report of a claim, you MUST call us on Telephone 02 801 0848.


FINANCIAL DECISIONS

As with all financial matters, you should exercise great care in using the information provided on this web site or available through links from this web site. Nothing on this web site should be construed as rendering tax, legal, investment, or accounting advice.


OWNERSHIP AND USE OF CONTENT

All of the information and content on this web site, including but not limited to all text, graphics, software applications, video and audio files, and photos ("Content") are owned, copyrighted, or licensed by the Company and/or its affiliated companies, and is protected by worldwide copyright laws and treaty provisions, unless otherwise indicated. The Company's logo, all other service marks, and the names of the various products and services described within are service marks of the Company or its affiliates. You may use printouts of the Content for your personal, non-commercial and non-legal claim use only, provided that the printouts retain all copyright, trademarks and other proprietary notices. The use of the Content on any other web site or in a networked computer environment for any purpose, or any other republication or redistribution of the Content, including, without limitation, framing the Content within another web site, is expressly prohibited without the prior written permission of the Company.


HYPERLINKS

From time to time, as a convenience for you, we may provide links to third party web sites, or permit third parties to link to this web site. Links to or from a third party site, whether provided by the Company or not, do not imply any affiliation between the Company and the site owner, or an endorsement, approval, or verification by the Company of any content available on such third party sites. We do not periodically review these third party sites and we are not responsible or liable for the accuracy or completeness of the content on any such third party sites. By providing access to other web sites, the Company is not recommending the purchase or sale of products or services provided by the sponsoring organization of any linked site. Subject to the terms of applicable service or other agreements, we will remove any link from this web site upon request from the owner of the linked site.

When you click on any of those third party links, You may leave this website and proceed to the third party link/s. Any personal information you submit on the resulting website will not be collected or controlled by us, and will be subject to the privacy policy of the resulting website. Please review the privacy policy of the resulting website for more information on their privacy practices.


AVAILABILITY AND COVERAGE

Not all products and services described on this site may be available in all times. If you have any questions you should contact the Company.

We do not in any way imply that the materials on the sites or the products we discuss are available outside the Philippines or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.


NO WARRANTY

WE WILL MAKE EVERY REASONABLE EFFORT TO INCLUDE ACCURATE AND UP TO DATE CONTENT ON THIS WEB SITE. HOWEVER, THE CONTENT ON THIS WEB SITE (INCLUDING ANY GRAPHICS) AND ANY MATERIALS MADE AVAILABLE THROUGH THIS WEB SITE ARE SUBJECT TO APPLICABLE STATUTES AND REGULATIONS, AND ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY MAKES NO WARRANTY THAT (I) THE OPERATION OF THIS WEB SITE WILL MEET THE USER'S REQUIREMENTS; (II) ACCESS TO THIS WEB SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR FREE OF ERRORS; (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEB SITE WILL BE ACCURATE OR RELIABLE; OR (IV) DEFECTS WILL BE CORRECTED. YOU (AND NOT THE COMPANY) ASSUME THE ENTIRE COST OF ALL SERVICING, REPAIR, OR CORRECTION THAT MAY BE NECESSARY FOR YOUR COMPUTER EQUIPMENT AND SOFTWARE AS A RESULT OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF VISITING THIS WEB SITE. THE COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE CONTENT ON THIS WEB SITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT ON THIS WEB SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THIS CONTENT COULD BECOME INACCURATE AS A RESULT OF DEVELOPMENTS OCCURRING AFTER PUBLICATION. THE COMPANY UNDERTAKES NO OBLIGATION TO KEEP ANY SUCH INFORMATION CURRENT. THE COMPANY ENDEAVORS TO MAINTAIN THIS WEB SITE AND ITS OPERATION, BUT IS NOT, AND CANNOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEB SITE OR ITS OPERATION. TO THE EXTENT, IF ANY, THAT THE LAW DOES NOT PERMIT THE DISCLAIMER OF WARRANTIES, ALL CONTENT ACCESSIBLE ON THIS WEB SITE, OR ANY OTHER WEB SITE TO WHICH WE LINK, AND ALL OPERATIONS ON THIS WEB SITE ARE WARRANTED ONLY TO THE MINIMUM AMOUNT LEGALLY REQUIRED.


NO LIABILITY

IN USING THIS WEB SITE, YOU SPECIFICALLY AGREE THAT YOU WILL NOT HOLD THE COMPANY LIABLE TO YOU OR ANY PARTY FOR ANY DAMAGES OR INJURY OR LOSS, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS SITE (OR ANY OTHER LINKED WEB SITE), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE ON THIS WEB SITE (OR ANY OTHER LINKED WEB SITE). THE COMPANY SHALL NOT BE LIABLE EVEN IF THE COMPANY OR ANY AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE INCLUDE BUT ARE NOT LIMITED TO DAMAGES OR INJURY CAUSED BY ERROR, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, LINE FAILURE, COMPUTER VIRUS OR OTHER HARMFUL COMPONENT.


GOVERNING LAW

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Philippines, without giving effect to conflict of law principles thereof. Persons who access this web site do so on their own initiative, and are responsible for compliance with applicable local laws and regulations.


CHOICE OF FORUM

The Company and you: (a) hereby irrevocably submit to the jurisdiction of the Philippines and (b) hereby waive to the extent not prohibited by applicable law, and agree not to assert, by way of motion, as a defense or otherwise any claim that (i) the Company of the client is not subject personally to the jurisdiction of the above-named courts, (ii) any action, suit or proceeding may not be brought or maintained in one of the above-named courts, (iii) any such action should be dismissed on grounds of forum non conveniens, should be transferred to any court other than one of the above-named courts or should be stay by virtue of the pendency of any other action, suit or proceeding in any court other than one of the above-named courts, or (iv) this Agreement or the subject matter hereof may not be enforced in or by any of the above-named courts.

The Company and the client hereby consent to service of process in any such action in any manner permitted by the laws of the Philippines, agrees that service of process by registered or certified mail, return receipt requested is reasonably calculated to give actual notice and waives and agrees not to assert by way of motion, as a defense of or otherwise, in any such action any claim that service of process made in accordance with this Section hereof does not constitute good and sufficient service of process. The provisions of this Section shall not restrict the ability of any Party to enforce in any court of competent jurisdiction any judgment obtained from any court of the Philippines.


ENTIRE AGREEMENT

These Terms and Conditions constitute the entire agreement between The Company and client superseding all prior agreements, whether written or oral between the Company and the client, relating to this web site.


ONLINE SERVICES AND TERMS AND CONDITIONS

Your use of the Online Services portion of this web site is also subject to the following Online Services Terms and Conditions:


ONLINE QUOTES

We rely on your accurate statements when we provide you with a quote. However, we will verify your information through THE USE OF THIRD PARTY RESOURCES, SUCH AS motor vehicle, claims and consumer credit (if applicable) reports, if you decide to purchase a policy from us.

ONLINE QUOTE ARE PROVIDED AS PRICE ESTIMATES ONLY AND ARE SUBJECT TO CHANGE unless you purchase and pay for a policy on this website.

Please note that this rate quote does not provide coverage for customizations to your auto. If your vehicle is customized, please call us, otherwise, any policy your purchase is null and void due to your misrepresentation or the risk and vehicle to be insured.

If you pay your premium in installments, each installment may be subject to an additional fee which will be shown on the website.

Our price estimates will show Government Documentary Stamps, Local Government Tax and VAT applicable to each insurance premium quoted.

Most lienholders require Comprehensive and Collision coverage. Coverage is subject to the terms, limits and conditions of the policy contract.


NO INSURANCE COVERAGE WITHOUT WRITTEN BINDER

No insurance coverages can be bound and no changes can be made to your policy, new or existing, unless and until you have received a written binder from the Company in the form of a Policy sating your name, full vehicle description and proof of payment.

You should review carefully all of the materials supplied to you. If you have any questions, please contact us.

If you do not hear from us on the next business day after submitting a request for information or a request for a change, please do contact us.


USER NAME AND PASSWORD

In order to take advantage of the online services contained on this web site you may be asked to select a user name and password. YOU ARE ENTIRELY RESPONSIBLE FOR MAINTAINING THE SECURITY AND CONFIDENTIALITY OF YOUR USER NAME AND PASSWORD. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. The Company may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND THAT MAY ARISE AS A RESULT OF SOMEONE ELSE USING YOUR PASSWORD OR ACCOUNT, EITHER WITH OR WITHOUT YOUR KNOWLEDGE. HOWEVER, YOU MAY BE HELD LIABLE FOR ANY LOSSES INCURRED BY US OR ANOTHER PARTY DUE TO SOMEONE ELSE USING YOUR ACCOUNT OR PASSWORD.


SECURITY

While we provide certain internet security technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the internet is secured or that such transmissions will be free from delay, interruption, interception or error. Finally, you acknowledge and agree that you will not transmit any material that contains viruses or any other computer code, files or programs that might interrupt, limit or interfere with the functionality of any computer software, hardware, database or file, or communications equipment that is owned, leased or used by the Company.


GOODS AND SERVICES PROVIDED BY THIRD PARTY MERCHANTS

We will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant, or a merchant's products or services, accessible through this web site. All matters, including but not limited to the delivery of goods and services, returns, and warranties are solely and strictly between you and the third party merchant. You acknowledge that we do not endorse or warrant any third party merchants, merchant offers, or goods and services that are purchased or accessible through this web site from third party merchants. Any savings advertised through this web site vary by merchant. Certain limitations, restrictions and exclusions may apply to any such offers. We reserve the right to modify or discontinue any offers by third party merchants at any time without notice to you and we shall not be liable to you or any third party should we exercise our right to do so. We make no warranty regarding any goods or services purchased or obtained from third party merchants through this web site or any transactions with any third party merchants.


SUBMISSION OF CONTENT ON THIS WEB SITE

To the extent, if any, that this web site allows users to submit "Content" (as defined above under "Ownership and Use of Content") to the web site, you explicitly agree that you shall not: (a) provide any Content or perform any conduct that may be unlawful, illegal, threatening, harmful, abusive, harassing, stalking, tortious, defamatory, libelous, vulgar, obscene, offensive, objectionable, pornographic, or give rise to civil or criminal liability; (b) impersonate or misrepresent your association with any person or entity, or forge or otherwise seek to conceal or misrepresent the origin of any Content provided by you; or (c) provide or use this web site and any Content or service in any commercial manner.

By providing any Content to our web site: (a) you agree to grant to us a worldwide, royalty-free, perpetual, non-exclusive right and license (including any moral rights or other necessary rights) to use, display, reproduce, modify, adapt, publish, distribute, perform, promote, archive, translate, and to create derivative works and compilations, in whole or in part in any form, media, or technology known or later developed; (b) you warrant and represent that you have all legal, moral, and other rights that may be necessary to grant us with the foregoing license; and (c) you acknowledge and agree that we shall have the right (but not obligation), in our sole discretion, to refuse to publish or to remove or block access to any Content you provide at any time and for any reason, with or without notice.


TELEPHONE CALLS AND EMAILS

Telephone calls using numbers provided on this website and email correspondence with us, as a result of your use of the website, may be recorded or monitored. By using these communication methods, you are consenting to these activities occurring.


CREDIT AND DEBIT CARD DETAILS

If you choose a direct payment gateway to complete your purchase, then merchant's website redirects you to a secured page. Your information is encrypted pursuant to the Payment Card Industry Data Security Standard (PCI-DSS). Your purchase transaction data is stored only as long as it's necessary to complete your purchase transaction. After completion, your purchase transaction information is deleted. All direct payment gateways adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover.PCI-DSS requirements help ensure the secure handling of credit card information by our store and its service providers.

You agree, understand and confirm that the credit card details provided by you for availing of services form the Company will be correct and accurate and you shall not use any credit card which is not lawfully owned by you. You further agree and undertake to provide the correct and valid credit card details to the Company Ltd. Further the said information will not be utilized and shared by the Company with any third parties unless required by law, regulation or court order.

"We as a merchant shall be under no liability whatsoever in respect of any loss or damage arising directly or indirectly out of the decline of authorization for any Transaction, on Account of the Cardholder having exceeded the preset limit mutually agreed by us with our acquiring bank from time to time.


CREDIT AND DEBIT CARD CHARGES, REFUND AND CANCELLATIONS

For all matters concerning Credit and Debit card charges, refunds and cancellations, you can get in touch with AUTO CARS DIRECT ASSISTANCE CORP. ‘Customer Care’ at 7th Floor Corinthian Plaza, 121 Paseo de Roxas Makati City Tel 02 801 0848 or email to inquiries@insurancedirect.com.ph to initiate the process. Please be informed that cancellations will be subject to the terms and conditions of the policy opted by the customers.


3 & 6 MONTH PREMIUM PAYMENT CONDITIONS

Where the insured opts for a 3 or 6 month payment option, the vehicle is insured upon the issuance of the policy provided always that the policy must be fully paid prior to any claim being made.


GOVERNING LAW AND JURISDICTION

All Disputes arising out of these terms or this website shall be litigated in, and only in, courts located in Manila Philippines, and you agree to submit to the exclusive jurisdiction of those courts.


SEVERALIBILITY

If any part of these Terms and Conditions are determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms and Conditions shall continue in effect.


ENTIRE AGREEMENT

This Agreement constitutes the entire agreement between you and AUTO CARS DIRECT ASSISTANCE CORP with respect to your access to and/or use of this web site.

Do you need help?

Call us now at (02) 801-0848or submit a business inquiry online.

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