- Get in Touch
Terms and Conditions
Our website is owned and operated by Fubon Insurance Broker (Philippines) Corporation, the terms “we”, “us” and “our” refer to Fubon Insurance Broker (Philippines) Corporation. By accessing this website and using its content, you acknowledge and agree that you have read and understood the following terms of use and you agree to be bound by following terms and conditions.
SECTION 1 – ONLINE STORE TERMS
Transactions on our website may include the purchasing of an insurance policy, administering an insurance policy, making a renewal payment of expiring insurance policies or other related transactions.
The terms and conditions of this service complies with the rules and regulations of the Insurance Commission, including IC Circular Letter No. 2014-47 dated 21 November 2014,our privacy policy and customer charter.
SECTION 2 – CUSTOMER CHARTER
We are committed to provide you with a safe and secure operation, maintain and sustain customer privacy, provide you with quality service, maintain transparency of product information and provide prompt response to your inquiries and complaints.
SECTION 3 – PRODUCT TERMS AND CONDITIONS
The content of our website does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you which may be accepted or rejected on such terms and conditions in force at the time of the transaction.
After you make a request through our website to purchase the product or service and assuming such product or service is available to you and your offer is accepted, you will receive confirmation of your purchase.
Unless we say so, the information and descriptions on our website do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable). All these shall be included in the schedule of cover, policy documents and/or conditions of purchase issued to you. Such documents may be either physical or electronic.
If you apply for any product or service detailed on our website, these terms and conditions of use should be read in conjunction with any other terms or conditions relating to that product or service and, in the event of any contradiction between these conditions of use and the specific product or service conditions, the specific product or service conditions shall prevail.
All applications for a product or service detailed on our website are subject to and must comply with our normal approval criteria and are governed by the normal terms and conditions applying to each product or service requested. Please refer to our product Policy Detail for more information.
You must ensure that the details and information (especially in relation to payment) that you provide to us while using our website are true and correct and that there are sufficient funds to cover the cost of the product or service. In the case of requesting an automatic renewal the credit card you use must be your own and not in anyone else’s name.
SECTION 4 – LIMITED WARRANTIES
We do not warrant or represent:
(a) completeness or accuracy of the information published on our website;
(b) the material on the website is up to date; or
(c) the website or any service on the website will remain available.
The revised terms and conditions shall apply to the use of our website from the date of publication of the revised terms and conditions on the website, and you hereby waive any right you may otherwise have to be notified of, or to consent to, revisions of these terms and conditions.
SECTION 5 – PRODUCTS OR SERVICES (if applicable)
Our products or services are only available for purchase in the Philippines, our website is only intended for use by Filipino Citizens, Philippine Permanent Residents or foreign nationals residing in Philippines (‘Philippines Residents’) and for insurance risk arising in or from Philippines only. Applications from non-Philippine Residents will not be accepted, unless otherwise stated. To obtain access to certain online services you are given the opportunity to register with us through User Account. You are responsible for maintaining the confidentiality of your details and your password for restricting access to your computer to prevent unauthorized access to your account. You accept responsibility and are fully liable for any activity that occurs under your account and you should take all steps to ensure your password is kept confidential. You agree to inform us immediately if you have reason to believe your password has been compromised or is being used in an unauthorized or illegal manner.
SECTION 6 – PURCHASING INSURANCE POLICIES
You agree to provide current, complete and accurate purchase and account information for all purchases made at our website. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.
Our website will enable you to purchase insurance products or services online. The following are steps in providing a binding insurance contract;
Payments
You must provide to us through our website details of your current and valid credit card, including:
You should not send us sensitive financial information like your credit card number by email.
User Account
User Account enables you to view, manage and change your motor insurance policies online.
User Account is only accessible by you if you have ‘logged in’ by providing certain details as requested on the ‘log-in’, registration and/or authentication pages of User Account, relating to you and/or one of your insurance policies currently held with us. You will only be able to ‘log-in’ and use your account if you registered or hold at least one current insurance policy.
You must not provide details of your ‘log-in’ to any other person. You must not allow any other person to use your ‘log-in’.
SECTION 7 – PERSONAL INFORMATION
Your submission of personal information through our website is governed by our Privacy Policy.
SECTION 8 – THIRD-PARTY LINKS
Our website may contain or link to information about special offers, deals or promotions by persons not related to or part of us. We don’t sponsor, recommend or approve of any such third party offers or third party material associated with those offers. We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites.
SECTION 9 –AVAILABILITY AND ACCURACY OF OUR WEBSITE
Some technical matters may be beyond our control and we cannot guarantee that you will have uninterrupted or error-free access to our website at all times, that defects will be remedied, or that our website or the servers that makes our website available, are virus or bug-free.
While we have tried to ensure the accuracy and completeness of the content of the website, we cannot guarantee that our website will meet all your needs.
Our website and the information and materials contained in our website are provided on an ‘as is’ and ‘as available’ basis.
Access to and use of our website is at your own risk and we do not warrant that the use of our website or any material downloaded from it will not cause damage to any property, or otherwise minimise or eliminate the inherent risks of the internet including but not limited to loss of data, computer virus infection, spyware, malicious software, trojans and worms. Also, we accept no liability in respect of losses or damages arising out of changes made to the content of this website by any unauthorised third parties.
Without notice to you, we may suspend access to our website from time to time to allow for repair or maintenance or for other reasons.
You also agree to indemnify us in respect of any liability incurred by us for any cost damage or expense, however caused, suffered by us as a result or consequence of your breach of these Terms & Conditions.
SECTION 10- PROHIBITED USES
You must not use our website in any way that causes or is likely to cause access to our website to be interrupted or impaired in any way. You acknowledge and agree that you are responsible for all electronic communications sent from your computer.
You are prohibited from using the site or its content:
(a) for any unlawful purpose;
(b) to solicit others to perform or participate in any unlawful acts;
(c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances;
(d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others;
(e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;
(f) to submit false or misleading information;
(g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet;
(h) to collect or track the personal information of others;
(i) to spam, phish, pharm, pretext, spider, crawl, or scrape;
(j) for any obscene or immoral purpose; or
(k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet.
You must not otherwise use our website to obtain insurance quotes or to obtain other information relating to the price of insurance cover from us or conduct other insurance related transactions or queries.
SECTION 11 –JURISDICTION AND LAW
For products and services only available for purchase in the Philippines, these conditions of use shall be governed by and construed in accordance with Philippine law. Disputes arising between you and us shall be subject to the exclusive jurisdiction of the courts of the Philippines.
SECTION 12 – SEVERABILITY
In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.
SECTION 13 – GOVERNING LAW
These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of the Philippines.
SECTION 14 – CONTACT INFORMATION
Questions about the Terms of Service should be sent to us at info@fubon.com.ph
FUBON INSURANCE BROKER. Copyright 2015. All Rights Reserved.
SEO Service, Cloud Web Hosting and Web Design by iConcept Web Design Philippines
Protects you from the financial expenses of a serious accident.
Covers you from the expenses arising from accidents.
Covers heads of families comprehensively with life and personal accident insurance.
Covers the expenses that arise from hospital confinement.
Shows your loved ones how much you care in a gift card that comes with Personal Accident coverage.
Covers loss of or damage to the aircraft owned and/or operated by the Insured, as caused by war and associated perils.
Covers aviation refuellers, ground handlers, hangarskeepers, airline caterers.
Insures the pilots/co-pilots and/or passengers for death, permanent total disablement while flying, embarking or disembarking from the aircraft.
Covers loss or damage to aircraft engines, spare parts and equipment, aircraft spares kits and engineers’ and mechanics’ tools.
Covers loss of or damage to the aircraft owned and/or operated by the Insured, as caused by war and asosciated perils.
Covers the Insured’s legal liability arising out of their ownership and/or operation of the aircraft.
Covers various types of Containers or Tanks used in transporting cargo or any moveable properties, while they are in transit or in a container yard.
Provides seamless cover for all moveable goods (inventory) that are the subject of the insured’s trade, including raw materials, semi-finished, and finished products.
Covers movement or transportation of cargo or any moveable properties through dry land by means of LTO-registered vehicles
Covers movement or transportation of cargo or any moveable properties by means of an aircraft.
Covers the movement or transportation of cargo or any moveable properties through navigable bodies of water by means of vessel.
Indemnifies the actual loss of gross profit sustained as a result of delayed commencement of business operation caused by an accident covered under the Contractors’ All Risks Policy (CAR) or the Erection All Risks (EAR) Policy.
Provides accident insurance for boilers and pressure vessels that are normally used in steam power stations and factories, covering the risk of explosion and collapse.
Covers machinery, mechanical equipment and apparatus against accidental breakdown.
Provides accident insurance on all risks basis, covering sudden and unforeseen loss or damage, which physically affects EDP, office, communication, graphics industry, broadcast and television, and other miscellaneous electronics equipment.
Offers full protection against the risks involved in the erection of machinery, plant and any steel structures and electro-mechanical works.
Offers comprehensive protection against physical loss or damage to a building, construction plant and/or machinery in relation to contract works and other civil engineering works.
Extension of fire policy to include “allied perils” such as earthquake, typhoon, and flood.
Concerned with the principal peril of fire.
Covers the expenses incurred from loss or damage to various cargo during in-land transit, against truck risks (perils of the road) and/or robbery/hijacking.
Covers the expenses incurred from loss or damage to moveable property such as heavy equipment, machines, portable electronic equipment, paintings.
Protects against financial loss due to dishonest/fraudulent acts of regular employees.
Protects against loss of money used for business operations, in case of robbery/hold-up, burglary, brigandage.
Protects against loss of property while inside residential or business premises.
Covers the expenses that arise from legal liability to third parties while conducting professional duties resulting from ‘breach of professional duties’.
Covers the expenses that arise from legal liability to third parties arising from accidental property damage and/or bodily injury while doing personal activities.
Covers the expenses that arise from legal liability to third parties arising from accidental property damage and/or bodily injury in the course of business operations.
is a brand of health insurance products that provide medical cash assistance in the event the insured is diagnosed with the specific covered disease (e.g. Dengue or Leptospirosis), even if the insured is not hospitalized.
Covers high net worth individuals with international health insurance. At the core of each plan are: surgical and hospitalization benefits, emergency evacuation repatriation, as well as access to worldwide medical assistance around the clock.
Responds to legal liabilities associated with the operation of a vessel that a shipowner may be exposed to.
Responds to legal liabilities, plus other related costs and expenses, that a time charterer of the insured ship may be held legally liable for.
Recovers expenses incurred in establishing or resisting claims involving a ship entered into this coverage.
Provides coverage to port/terminal operators for third party liabilities such as cargo, contractual liabilities and liabilities to authorities. This cover can also be extended to include damage to own property and equipment and business interruption.
Covers loss of income on a daily basis as a result of temporary suspension of the vessel’s operation due to a casualty recoverable under the vessel’s Hull & Machinery policy, excluding total loss.
Protects the innocent mortgagee from financial loss consequent to the mortgagor’s act or omission that prohibits the mortgagee from claiming under the standard Hull & Machinery, War & Strikes or Protection & Indemnity insurances.
Protects ship repairers against legal liabilities due to loss of or damage to a vessel being repaired under their care, custody and control.
Covers shipyards against loss of or damage to a ship under construction – from keel laying until the ship is turned over to the ship owner.
Covers legal liabilities associated with the operation of a vessel that a shipowner may be exposed to.
Provides personal accident coverage for qualified individuals belonging to a company or organization.
Provides lump-sum cash benefits upon diagnosis of any one of 35 defined critical illnesses.
Provides life insurance coverage for debtors with outstanding loans with creditors, paying up to the extent of outstanding loan balance.
Provides coverage on students and other individuals within a school setting
Provides life insurance coverage for qualified individuals belonging to a company or organization.
Protects insured vehicles from the financial losses that arise from damages, theft, injuries and other liabilities.
Protects fleet owners from the financial losses that arise from damages, theft, injuries and other liabilities in relation to their insured vehicles.
Covers your legal liability for vehicular accident-related bodily injury/death to a third party.
Covers the expenses resulting from an accident occurring while traveling to domestic or global destinations within 30 days.
Covers the expenses resulting from an accident that occurs while traveling to domestic or global destinations.
Protect yourself and your family from unexpected health-related expenses.
Protects you from the financial expenses of a serious accident.
Covers you from the expenses arising from accidents.
Covers heads of families comprehensively with life and personal accident insurance.
Covers the expenses that arise from hospital confinement.
Shows your loved ones how much you care in a gift card that comes with Personal Accident coverage.
Protect your business from the expenses due to damage or liability to aircraft /pilots /crew /passengers.
Covers loss of or damage to the aircraft owned and/or operated by the Insured, as caused by war and associated perils.
Covers aviation refuellers, ground handlers, hangarskeepers, airline caterers.
Insures the pilots/co-pilots and/or passengers for death, permanent total disablement while flying, embarking or disembarking from the aircraft.
Covers loss or damage to aircraft engines, spare parts and equipment, aircraft spares kits and engineers’ and mechanics’ tools.
Covers loss of or damage to the aircraft owned and/or operated by the Insured, as caused by war and asosciated perils.
Covers the Insured’s legal liability arising out of their ownership and/or operation of the aircraft.
Cover your goods or cargo as they are exposed to various hazards through the transport process.
Covers various types of Containers or Tanks used in transporting cargo or any moveable properties, while they are in transit or in a container yard.
Provides seamless cover for all moveable goods (inventory) that are the subject of the insured’s trade, including raw materials, semi-finished, and finished products.
Covers movement or transportation of cargo or any moveable properties through dry land by means of LTO-registered vehicles
Covers movement or transportation of cargo or any moveable properties by means of an aircraft.
Covers the movement or transportation of cargo or any moveable properties through navigable bodies of water by means of vessel.
Protect your business from expenses arising from damage or loss relating to construction work, machinery or equipment.
Indemnifies the actual loss of gross profit sustained as a result of delayed commencement of business operation caused by an accident covered under the Contractors’ All Risks Policy (CAR) or the Erection All Risks (EAR) Policy.
Provides accident insurance for boilers and pressure vessels that are normally used in steam power stations and factories, covering the risk of explosion and collapse.
Covers machinery, mechanical equipment and apparatus against accidental breakdown.
Provides accident insurance on all risks basis, covering sudden and unforeseen loss or damage, which physically affects EDP, office, communication, graphics industry, broadcast and television, and other miscellaneous electronics equipment.
Offers full protection against the risks involved in the erection of machinery, plant and any steel structures and electro-mechanical works.
Offers comprehensive protection against physical loss or damage to a building, construction plant and/or machinery in relation to contract works and other civil engineering works.
Protect your residential, commercial or industrial property and its contents against fire/lightning, natural perils like earthquake, typhoon and flood, and other man-made causes
Extension of fire policy to include “allied perils” such as earthquake, typhoon, and flood.
Concerned with the principal peril of fire.
Protect yourself and your business against financial loss due to crime, damage to own property and legal liability in case of accidental bodily injury or property damage to third parties
Covers the expenses incurred from loss or damage to various cargo during in-land transit, against truck risks (perils of the road) and/or robbery/hijacking.
Covers the expenses incurred from loss or damage to moveable property such as heavy equipment, machines, portable electronic equipment, paintings.
Protects against financial loss due to dishonest/fraudulent acts of regular employees.
Protects against loss of money used for business operations, in case of robbery/hold-up, burglary, brigandage.
Protects against loss of property while inside residential or business premises.
Covers the expenses that arise from legal liability to third parties while conducting professional duties resulting from ‘breach of professional duties’.
Covers the expenses that arise from legal liability to third parties arising from accidental property damage and/or bodily injury while doing personal activities.
Covers the expenses that arise from legal liability to third parties arising from accidental property damage and/or bodily injury in the course of business operations.
Cover yourself for the mishaps that can occur on the golf course.
Protect yourself against medical expenses for the treatment of accidental injuries, illness or chronic conditions.
is a brand of health insurance products that provide medical cash assistance in the event the insured is diagnosed with the specific covered disease (e.g. Dengue or Leptospirosis), even if the insured is not hospitalized.
Covers high net worth individuals with international health insurance. At the core of each plan are: surgical and hospitalization benefits, emergency evacuation repatriation, as well as access to worldwide medical assistance around the clock.
Cover your home with a comprehensive package that includes personal accident, property, and liability insurance.
Protect your interests as shipowners, managers, operators, bareboat charterers, mortgagees, and shipyard owners.
Responds to legal liabilities associated with the operation of a vessel that a shipowner may be exposed to.
Responds to legal liabilities, plus other related costs and expenses, that a time charterer of the insured ship may be held legally liable for.
Recovers expenses incurred in establishing or resisting claims involving a ship entered into this coverage.
Provides coverage to port/terminal operators for third party liabilities such as cargo, contractual liabilities and liabilities to authorities. This cover can also be extended to include damage to own property and equipment and business interruption.
Covers loss of income on a daily basis as a result of temporary suspension of the vessel’s operation due to a casualty recoverable under the vessel’s Hull & Machinery policy, excluding total loss.
Protects the innocent mortgagee from financial loss consequent to the mortgagor’s act or omission that prohibits the mortgagee from claiming under the standard Hull & Machinery, War & Strikes or Protection & Indemnity insurances.
Protects ship repairers against legal liabilities due to loss of or damage to a vessel being repaired under their care, custody and control.
Covers shipyards against loss of or damage to a ship under construction – from keel laying until the ship is turned over to the ship owner.
Covers legal liabilities associated with the operation of a vessel that a shipowner may be exposed to.
Protect the members of your business, organization, or institution with insurance coverage designed according to your specific needs.
Provides personal accident coverage for qualified individuals belonging to a company or organization.
Provides lump-sum cash benefits upon diagnosis of any one of 35 defined critical illnesses.
Provides life insurance coverage for debtors with outstanding loans with creditors, paying up to the extent of outstanding loan balance.
Provides coverage on students and other individuals within a school setting
Provides life insurance coverage for qualified individuals belonging to a company or organization.
Cover your vehicle or fleet of vehicles
Protects insured vehicles from the financial losses that arise from damages, theft, injuries and other liabilities.
Protects fleet owners from the financial losses that arise from damages, theft, injuries and other liabilities in relation to their insured vehicles.
Covers your legal liability for vehicular accident-related bodily injury/death to a third party.
Assures that obligations of an individual or a company under a contract will be fulfilled
Protect yourself while you’re traveling, from the expenses that arise from accidents.
Covers the expenses resulting from an accident occurring while traveling to domestic or global destinations within 30 days.
Covers the expenses resulting from an accident that occurs while traveling to domestic or global destinations.