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Shop Protect Insurance / Intro to Shop Protect / What is a policy limit?
What is a policy limit?

This is the maximum amount you can claim during your 12-month coverage: Php 50,000 total. However, if you make claims for your personal electronics (like phones, tablets, laptops), the limit is Php 25,000.

Here's an example to illustrate:

  • You bought:

    • A smartphone worth ₱30,000
    • A refrigerator worth ₱10,000

  • Both got stolen within 60 days, and both claims were approved.

    • The smartphone claim uses up ₱25,000 (the limit for personal electronics).
    • The refrigerator claim uses ₱10,000 from your total ₱50,000 limit.
    • That leaves you with ₱15,000 to claim for other non-personal electronic items.