Your Guide to Lalamove Delivery Insurance and ₱75,000 Coverage

Sending your items via a courier service would certainly give you more assurance knowing that your items are well-protected. The Lalamove service provides you with insurance coverage on all deliveries, where coverage has been enhanced up to ₱75,000.

Whether you are sending your personal belongings or your business products, learning about Lalamove’s insurance coverage will be a great help to you.

What Is Lalamove Delivery Insurance?

Lalamove delivery insurance covers items delivered using Lalamove in accordance with the insurance policy in place, and our Terms and Conditions. This insurance coverage is meant to add an extra layer of security especially where the item is lost or damaged during delivery.

Insurance coverage has now been raised to ₱75,000 providing more protection for customers who use Lalamove for deliveries.

What Does the ₱75,000 Coverage Mean?

The amount of ₱75,000 is only reflective of the maximum coverage for deliveries under the relevant insurance policy.

It is not to be taken as an automatic ₱75,000 compensation.

In case the item being delivered is lost or damaged due to an insured or covered event, the customer may file a claim pursuant to the relevant insurance policy. The claim amount shall depend on the worth of the item, or its repair or replacement cost, among other things.

Customers should keep supporting documents, such as the service invoice, purchase invoice, or other proof of the item's value and delivery details, as these are required when submitting a claim. 

It is important to understand that:

• Coverage applies only to delivery of covered items.

• The maximum coverage is ₱75,000.

• The actual amount payable for an approved claim may be lower than the maximum coverage.

• Claims are subject to the independent assessment of our insurance provider, and based on the insurance policy and applicable terms and conditions.

• Exclusions and limitations apply.

The list of prohibited or excluded items is found in our Delivery User Terms and Conditions. 

Lalamove works with Pioneer Insurance to provide coverage to Lalamove deliveries. Through the partnership, Pioneer Insurance covers the damage to or loss of items delivered through Lalamove, based on our insurance policy.

This is aimed at giving customers an extra level of protection in case they make Lalamove deliveries of the eligible items.

What Can Be Claimed?

The amount of coverage depends on the circumstances of the incident and the applicable insurance policy. Claims generally fall under two categories: Damaged or Lost items. 

Damaged Items

An item is considered damaged when its shape, appearance, structure, or functionality was physically altered during transportation, provided it was properly packaged and secured before pickup.

Some examples of when an item is lost:

• Items was damaged by floodwater during a typhoon, as declared by the weather bureau.

• The item was damaged due to an accident or collision involving the delivery vehicle. 

• The item was damaged due to mishandling during loading and unloading.

• The packaging was damaged or impaired by a covered event during transportation, which physically affected the item inside.

• The item was damaged due to the delivery vehicle overturning or flipping while in transit.
  

Lost Items

An item is considered lost when it perishes, disappears in such a way that its existence is unknown, or cannot be recovered during the delivery.

Some examples of when an item is lost:

• The item was forcibly taken, or taken through violence or intimidation while in transit.

• The item cannot be recovered after the deliver vehicle was hijacked during the trip.

• The item was totally destroyed due to the vehicle catching accidental fire.

• The. item was totally destroyed due to the explosion of the delivery vehicle.

• The item was lost when the vehicle was caught in the collapse of a bridge.

• The item cannot be recovered due to the fraud of the driver or the helper of the delivery vehicle.

Important: This table is a general guide and does not replace the official insurance policy. Certain items may have additional exclusions, conditions, or coverage limitations. 

How to Claim Lalamove Delivery Insurance

If you believe your delivery has experienced a covered incident, you can initiate the claims process through Lalamove's available customer support channels. 

1. Report the issue
   Contact Lalamove Customer Support if your delivery is lost or damaged. You will be asked to complete a claim form.
   
   
2. Complete the insurance claim form
   Provide the required details and supporting documents. 
   
   
3. Submit your claim
   Submit the completed claim form and any required documents for Pioneer Insurance’s review. Pioneer may also investigate delivery-related circumstances, such as packaging or other factors related to the incident. 
   
   
4. Wait for the claim assessment
   Pioneer Insurance will review your claim based on the applicable policy terms, conditions, and coverage limits.
   
   
5. Receive the claim result
   You will be informed of Pioneer Insurance’s decision on your claim after it has been reviewed. If approved, the claim proceeds from Pioneer Insurance will be disbursed to you through Lalamove. 
   
   

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