PEEKUP PASSENGER PERSONAL ACCIDENT INSURANCE TERMS AND CONDITIONS
Underwritten by PGA SOMPO INSURANCE CORPORATION
The PeekUp Passenger Personal Accident Insurance is provided to passengers riding with PeekUp and underwritten by PGA SOMPO INSURANCE CORPORATION (“PGA SOMPO”).
PeekUp Passenger Protection is a collaboration between PeekUp and Stere Philippines Insurance Agency Inc., digitally powered by Stere Asia Pacific Pte. Ltd.
This protection offers financial assistance in the event of accidental injury, disability, death, or trip disruption occurring during an active PeekUp ride.
Use of the service and/or purchase of an insured trip signifies acknowledgment and full acceptance of the coverage terms, conditions, limitations, and exclusions outlined herein.
For full details, please refer to the Policy Wordings.
I. ELIGIBILITY
Coverage applies exclusively to individuals riding as PeekUp passengers in a properly registered and accredited PeekUp vehicle at the time of the incident.
II. SCOPE OF COVERAGE
1. Accidental Death & Disablement
Provides compensation of up to ₱1,500,000 in the event of accidental death, permanent disablement, or loss of limb resulting from a sudden, external, violent, and visible event occurring during a PeekUp ride.
2. Trip Delay Benefit
Pays ₱100 via PeekUp points if passenger pick-up is delayed by more than 30 minutes due to mechanical breakdown, accident, or other unforeseen circumstances beyond the driver’s control, including delays arising from unexpected personal circumstances on the driver’s end.
3. Ambulance Service
Up to ₱6,000 Ambulance service via 24/7 Emergency hotline number (+632 8811 2521).
4. Accidental Medical Reimbursement
Pays the Insured for actual expenses incurred (irrecoverable from any other means) for medical treatment arising from accidents occurring within the period of insurance, up to ₱150,000.
III. WHEN COVERAGE APPLIES
Coverage is active while the insured passenger is:
1. Boarding a PeekUp vehicle
2. In transit during the entire duration of the ride (whether moving or stationary)
3. For up to five (5) minutes after disembarkation and within one (1) meter from the vehicle
Coverage applies nationwide, at all hours, but only within the defined active trip window.
IV. LIMIT OF LIABILITY
Benefit payment shall not exceed the stated maximum coverage limits.
Medical-related claims shall be reimbursed based on actual expenses supported by official documents and within the applicable maximum limit.
V. NUMBER OF CLAIMS
A passenger shall be entitled to one (1) claim only, subject to the maximum benefit set forth in the Schedule of Benefits. Upon payment of such benefit, the passenger shall not be entitled to any further claims, and all coverage under this Policy shall automatically terminate.
VI. GENERAL EXCLUSIONS
No benefit shall be payable under this Certificate of Cover for any claim, loss, damage, expense, injury, disablement, or death
resulting from, arising out of, or in any way related—directly or indirectly—to any of the following:
A. Communicable Diseases
1. Illness, infection, or disease not caused solely by a covered accident.
2. Claims related to epidemics, pandemics, viral outbreaks, quarantine, movement restriction, or government-imposed lockdown.
3. Costs related to detection, monitoring, sanitizing, and containment of communicable disease.
B. Medical, Surgical and Health-Related Conditions
1. Pregnancy, miscarriage, or complications thereof.
2. Non-accident-related medical or surgical procedures.
C. Intentional or Criminal Acts
1. Suicide, attempted suicide, or self-inflicted injury.
2. Assault, murder, or attempted violence.
3. Commission of a criminal act, violation of traffic or road regulations, evading lawful apprehension, or conduct deemed unlawful whether civil or criminal in nature.
D. War, Terrorism, and Government Action
1. War, invasion, rebellion, civil unrest, or insurrection.
2. Acts of terrorism or threats thereof.
3. Seizure, confiscation, quarantine, or destruction of property by order of any authority.
4. Any claim where payment or coverage would violate domestic or international sanctions.
E. Nuclear and Radioactive Exposure
Loss or damage arising from nuclear reaction, radiation, radioactive contamination, or exposure to nuclear material or facilities.
F. Hazardous or High-Risk Activities
Injury sustained while mountaineering requiring ropes or guides, scuba diving with compressed air tanks, professional or amateur racing, skydiving, hang-gliding, or other extreme activities.
G. Alcohol or Prohibited Substance Use
Claims arising from accidents occurring while the insured is under the influence of prohibited drugs or intoxicating alcohol.
H. Consequential and Indirect Losses
Economic or indirect losses including loss of income, quarantine restrictions, travel disruption, or any circumstance not resulting from a covered accidental event within the valid coverage period.
VII. CLAIM DOCUMENT REQUIREMENTS
For Trip Delay
PGA Sompo may request supporting documents or information as part of the validation process, including but not limited to:
• Valid government-issued identification of the passenger;
• Proof of trip booking or completed trip details;
• Proof of the trip delay, including screenshots, notifications, receipts, or other records evidencing the delay; and
• Any other document or information reasonably required by PGA Sompo to verify eligibility and assess the claim.
Failure to provide requested documents or information within the prescribed period may result in the denial of the claim.
For all other benefits
A. General Requirements
• Government-issued ID of the insured
• Government-issued ID of the beneficiary/claimant
• Police or incident report, or notarized affidavit
• Additional documentation that may be required for verification
B. Accidental Death Claim Requirements
• Official death certificate
• Medical or autopsy report, if applicable
• NSO Birth Certificate (if beneficiary is parent/child/sibling)
• NSO Marriage Certificate (if beneficiary is spouse)
VIII. CLAIMS PROCEDURE
Trip Delay Benefit
1. Eligible delayed trips will be identified and assessed based on available trip records and delay information.
2. A Trip Delay eligibility report or notification will be sent to affected passengers who qualify for the benefit.
3. PGA Sompo may contact the passenger and request additional information or supporting documents if further validation is required to assess eligibility.
4. Passengers must provide any requested information within the prescribed period to avoid delays in processing.
5. Upon successful validation and approval, ₱100 worth of PeekUp Points will be credited to the passenger's account within twenty-four (24) to forty-eight (48) hours.
PGA Sompo reserves the right to request additional documents or information and to deny claims that cannot be sufficiently validated or that do not meet the eligibility requirements under these Terms and Conditions.
For All Other Benefits
1. Submit the completed Claim Form through the PGA Sompo Claims Portal.
2. Attach all required supporting documents.
3. Await assessment and validation. Additional requirements may be requested if necessary.
4. Upon approval, benefits will be released to the claimant.
Standard claims processing is five (5) to seven (7) business days upon submission of complete documentation. Request for additional documents does not constitute approval or admission of liability.
IX. CLAIMS AND PAYMENTS
1. Compensation – Compensation shall be payable only upon full proof and verification of the claim.
2. Beneficiary / Payable To – Loss of life is payable to the beneficiary, or if none, to the estate of the Insured. All other indemnities are payable to the Insured.
3. Notice of Claim – notice of claim must be given within thirty (30) days of the accident, or as soon thereafter as reasonably possible.
4. Proof and Evidence – Proof of loss and supporting evidence shall be furnished at the Insured’s expense. Medical or post-mortem examinations may be required at the Company’s expense.
5. Changes Affecting Coverage – Failure to notify the Company of any changes in address, occupation, other insurance,
or health conditions may affect coverage.
X. POLICY CONDITIONS
1. Entire Contract / Changes – This Policy, including endorsements and applications, constitutes the entire contract. Any changes must be endorsed by an authorized Company official.
2. Renewal – The Policy may be renewed unless the Company provides at least forty-five (45) days’ prior notice of non-renewal or changes to coverage.
3. Cancellation – The Policy may be cancelled in accordance with the provisions of the Insurance Code, with premiums refunded on a short-rate basis if requested by the Insured.
4. Assignment – No assignment of benefits or change of beneficiary shall bind the Company unless formally endorsed by the Company.
5. Inflation Clause – Articles 1250 of the Civil Code (Philippines) shall not apply; liability is based on the Policy terms, not currency inflation.
6. Legal Action – Any action or suit must be initiated within twelve (12) months from notice of claim rejection.
7. Claims Settlement – Payments shall be made within thirty (30) days after proof of loss and ascertainment. If ascertainment is delayed beyond sixty (60) days, payment shall be made within ninety (90) days of proof of loss. Trip Delay benefit will be credited via PeekIp Points within 24-48hrs.
8. Premium Payment – The Policy shall be valid only upon full payment of the premium.
9. Claim Forms – The Company shall provide claim forms. If not received within fifteen (15) days, written proof of loss shall suffice.
10. Proof of Loss – Completed claim forms and proof of loss must be furnished within ninety (90) days from the date of loss. Late submissions are accepted if reasonably justified.
Please read the Policy Wordings for full details.