In the first two months of 2022 alone, the Bureau of Fire Protection (BFP) announced that fire incidents have already increased by almost 13% compared to the same period last year. In addition, back in 2020, data from BFP also showed that open flame from a torch, unattended cooking, and electrical connections are the main causes of fire accidents.
Like other threats and risks of loss in any unfortunate events such as natural calamities, impacts due to fire and negligence mishaps, thousands of lives and millions up to billions worth of properties are being lost every year, and the need for a financial tool arises to make financial impacts less severe.
Jean Henri Lhuillier, Cebuana Lhuillier CEO
“Damage caused by fire is insurmountable. It affects the lives and livelihood of many Filipinos, regardless of their economic status in life. Unfortunately, our kababayans in the marginalized sector can experience bigger risks and more profound impacts. Backed by our commitment to financial inclusion, we also want common Filipinos to be able to afford protection and security as a part of their financial plan. It is crucial that they have access to basic security requirements to cushion the blow of disasters that may happen,” Cebuana Lhuillier CEO and President, Jean Henri Lhuillier said.
Fire Safety Tips
As the country observes the annual Fire Prevention Month, here are some tips from the BFP to make sure that your house is safe from fire:
1. Unplug appliances when they are not in use
Unplugging items when not in use not only reduces your electricity consumption but also cuts down the chances of a fire. Excessive electricity flowing through appliances like TV sets, computers, and a lot more – or a possibility of power surge can be a source of conflagration.
Make sure to always unplug your appliances when leaving the house.
2. Never leave flames or heated appliances unattended
Always be cautious of any excessive flames that you may use like lighting candles or cooking. Always keep an eye and one step ahead if anything goes wrong. Much better if you can install fire alarms or have fire extinguishers ready, nearby.
3. Keep flammable items away from things that can be a source of fire
Proper storage of different items and supplies can prevent a fire incident. Ensuring that flammable items are stored in the right place and are far away from a source of heat, can save you from a possible accident.
4. Declutter
Too many things cluttered in an area can give fire plenty of space to spread faster. By decluttering certain areas in your home, you’ll be able to minimize the risk of spreading fire, minimize your loss, and save your home in the event of a fire.
5. Check your electrical wirings regularly
Pay close attention to any visible faulty wirings. This can damage your appliances which can eventually lead to a fire incident.
Always remember that prevention is always better than cure. Knowing these fire prevention tips could save you and others from a devastating event.
Jonathan Batangan, First Vice President and Group Head Cebuana Lhuillier Insurance Brokers, Inc.
“This Fire Prevention Month, it is important to raise awareness about fire safety and prevention. Apart from being ready when a fire incident happens, it is also important that common Filipinos have a safety net in case it happened. This is our main mission for our microinsurance product, ProtectMax. This product offers comprehensive coverage at a more reasonable cost,” First Vice President and Group Head of Cebuana Lhuillier Insurance Brokers Inc., Jonathan Batangan mentioned.
To lessen the risk brought by fire and other natural calamities, Cebuana Lhuillier offers ProtectMAX, an affordable microinsurance product designed for individuals aged 7 to 70 years old with Death Benefit, Accident or Sickness Emergency Cash Assistance, Accidental Dismemberment and/or Disablement, Murder, and Unprovoked Assault and Residential Fire Reconstruction cash assistance.
For as low as P50, get a total coverage value of up to P61,000.00. Each certificate is valid for four (4) months from the date of issuance and can be availed up to a maximum of 5 certificates per insured in a year.
To know more about Cebuana Lhuillier ProtectMAX, visit the nearest Cebuana Lhuillier branch or just log on to www.cebuanalhuillier.com. Avail of ProtectMAX now in almost 3,000 branches of Cebuana Lhuillier, nationwide.
The summer season means going on vacations, long road trips, and fun and exciting out-of-town excursions with family and friends. To make your trip hassle-free and enjoyable, it truly pays to practice road safety before and while you are behind the wheel. Remember, safety first always!
Here are some road safety tips from AXA Philippines, one of the leading insurance companies in the country:
Have your car checked.
Take your car to your trusted mechanic and have the battery, lights, oil, water, brakes, air, and gas (B.L.O.W.B.A.G.) checked, as well as your air conditioner. Always have a tool kit and a usable spare tire ready, in case of a flat tire.
Get a good rest before you hit the road.
Driving long distances with very little sleep is dangerous as it can affect your alertness and your overall driving skills. Having coffee or a caffeinated drink may not be enough. So get that proper shut-eye — at least six to nine hours of uninterrupted sleep — before that trip.
Plan your route.
When going somewhere far for the first time, it’s best to do research first on the surrounding areas, the best routes to take, and the general road conditions there.
Use a paper map or download a navigation app on your smartphone so you don’t get lost or get stuck in heavy traffic.
Buckle up, even if you’re a rear seat passenger.
It’s important to wear your seatbelt — for the driver as well as front and rear seat passengers. This safety restraint system can protect you in times of collisions and prevent you from hitting the dashboard, the windshield, the seat in front of you, or worse.
Keep your distance.
Be conscious of braking distances and leave a safe space between your vehicle and the one ahead of you, so in case of an abrupt stop, a potential collision can be avoided.
Insure your vehicle.
Having car insurance, like the comprehensive insurance coverage offered by AXA Philippines, can protect you against losses and liabilities arising from road mishaps. AXA Car Insurance is available for purchase online.
Its policy holders can also avail of 24/7 emergency roadside assistance coverage across the country. This insurance product also offers the AXA Assist app, which presents a first-of-its-kind emergency red button. In case of emergencies, the application sends a distress message and location of the policy holder to emergency contact person/s, and AXA Assistance’s command center. What this brings is added peace of mind and security, so you can enjoy your drive and your trip!
Traveling is such a wonderful thing! It helps you appreciate different cultures and teaches you so many lessons that aren’t taught in the classroom. But to make each trip truly meaningful, you have to prepare very well for it.
But even seasoned travelers may run into unforeseen setbacks. Here is a list of common travel fails and what to do in case you find yourself in one.
1. Missed flight or other modes of transportation
Missing your flight or other transfers can be very stressful and costly as it can change your itinerary. But don’t panic! Find out your options, such as travel alternatives to your destination.
Be flexible, too! Know your schedule to give yourself ample time to prepare. While it’s good to have an itinerary, it’s also helpful to have a flexible schedule so you can immediately adjust to unforeseen circumstances.
2. Lost luggage
Make your luggage easily identifiable by adding some personal touches, like a luggage cover protector or bag tags with your name and address. If the airline loses your luggage, report it immediately.
Have the basic necessities and at least one set of clothes in your carry-on bag to tide you over as you wait for your luggage. If the airline is unable to recover your bag, your travel insurance can help.
Make travel insurance a part of your travel checklist. Get protection from Smart Traveler of Charter Ping An. Not only will it provide protection for your personal belongings, it also comes with a wide range of benefits, including 24-hour medical assistance, personal accident coverage, liability and personal safety coverage, and even refunds for unexpected expenses.
Application is easy! Visit the AXA website (www.axa.com.ph/charterpingan/smart-traveller) and choose the ideal coverage for your trip. Eligible applicants must hold Philippine identification documents like birth certificate, long-term visa pass, dependent or student pass, and employment certificate for adults 18 to 70 years old.
3. Luggage overload
Lugging heavy suitcases as you chase after a bus or train or try to catch your flight makes travel more difficult, stressful, and even costly because it could mean paying extra for excess baggage.
Pack light by choosing clothes that are suitable for any situation and occasion. Bring only the most essential. Have your toiletries in miniature containers and carry your jacket instead of putting it in your bag.
4. Lost/missing travel documents
Travelers who are rushing may misplace things like passports or other important documents. When that happens, remember to keep calm and immediately ask for assistance from the nearest embassy or consulate.
Keep electronic and paper copies of your passport and other necessary documents with you, and constantly check your valuables wherever you go.
5. Cash shortage
Having cash is the easiest way to pay for things when traveling, but if you’re not careful, you can run low on cash before the end of your trip. To make your cash last long, bring a refillable water container so you don‘t have to buy bottled water, or shop at local stores for affordable and authentic local cuisines. Create a daily budget for your trip and stick to it. Have a credit card for emergencies.
Traveling is a good investment. Enjoy a hassle-free vacation and always be protected by availing of Smart Traveler now. For more information, visit www.axa.com.ph.
Natural disasters can neither be controlled nor predicted. But while they can leave catastrophic damages, everyone can take precautionary steps to mitigate its adverse effects. Solane, the country’s leading LPG solutions provider, reiterates its Dapat Lang advocacy campaign – emphasizing the importance of doing the right thing for the family, for others, and society as a whole – through these tips to ensure everyone’s safety during natural disasters:
Prepare an emergency kit
An important step in preparing for unforeseen events is having an emergency kit ready for you and your family.
Basic supplies kit should include:
a gallon of water per person per day for the next three days,
three-day supply of food,
flashlight,
extra batteries,
first aid kit,
a seven-day supply of medicines,
multi-purpose tools,
cell phone with chargers,
family and emergency contact information,
copies of personal documents,
extra cash,
blankets, and
maps of the area.
Safety during fire
Some of the common causes of fire, especially during natural disasters like earthquake, are faulty electrical and gas lines.
If you are caught in an establishment engulfed by fire, immediately vacate the area and ask for help.
Do not hide in closets and small spaces, and remember to stay low and crawl as it is easier to breathe in a fire if you stay low.
Plan your escape routes and safe places
It’s important to have a sketch of your house so you know how to immediately get out when disaster strikes. Establish and record the location of your meeting area, and be sure to practice this with your family members.
Be informed
Know the hazards within your community, and ask the local authorities about the emergency plans and warning signals. Being informed will help you gather a detailed plan for your own household.
With proper preparation, you are not only alleviating fear, anxiety, and loss but you are also reducing the impact of catastrophic disasters.
To know more about Solane, visit their new website, www.solane.com.ph, and Facebook page, www.facebook.com/solane.ph.
A few days ago, on May 18, 2017, the Philippine government passed a new law that was supposed to address the issue of distracted driving. While I believe that this is a good law “in principle” I think that the LTFRB was premature in having it implemented as it failed to address some issues and tried to institute measures that many have found irrational.
What is considered “distracted driving”?
Republic Act (RA) 10913 or the Anti-Distracted Driving Act (ADDA) defines “distracted driving” as using telecommunications or entertainment devices while in motion or when temporarily stopped at a red traffic light.
Eating while driving is not classified as distracted driving.
Putting on makeup while driving is not classified as distracted driving.
Passing things back and forth to the driver of the vehicle (as jeepney drivers do when accepting the fare and giving back change) is not classified as distracted driving.
Google Maps
It does not take into consideration that most people nowadays, not just drivers of ridesharing apps, use GPS software such as Waze or Google Maps to help them navigate to places they’ve never been or through heavy traffic.
It does not allow motorcycle and bicycle riders to attach a cellphone to their bike (usually placed in front behind the handlebars) even if the purpose is for navigation.
biker complaint
But what is even worse is when our traffic enforcers are not given adequate education on the law which allows them the make victims of law-abiding citizens.
Let’s go back to what the anti-distracted driving law states … using telecommunications or entertainment devices while in motion or when temporarily stopped at a red traffic light. This netizen was neither in motion or temporarily stopped at a red traffic light. He pulled to the side, DID NOT GO ON THE SIDEWALK (which is for pedestrian use), and ONLY THEN checked his messages. So, tell me … WHY, oh why, traffic enforcers would you penalize him and cite the anti-distracted driving law?
he wasn’t driving/riding
he was not at a stoplight
he was not blocking traffic
And, you know what? He posits a valid point, why not penalize pedestrians who are on their phone while walking, too? Is that not a hazard as well?
it means the pedestrian is distracted also and not paying close attention to where he/she is walking
it is an invitation for unsavory elements to rob the pedestrian
Line of sight
line of sight – photo credit to rappler.com
Let us consider this … they did not say that we could not mount our cellphone or tablet, they said not within the line of sight. This photo taken from rappler.com shows what part of the car constitutes as “line of sight”. In a nutshell, they are saying we cannot put anything on the dashboard because doing so would be a distraction.
Many netizens have gone up and arms, mostly those who use GPS. In response, LTFRB says they are still allowing cellphones BUT at recommended locations such as:
attached to the air vent
behind the rearview mirror (for the dashcam) and not hanging under it
behind the steering wheel in front of the display panel
LTFRB, have you really given this serious thought?
Ok, correct me if I wrong, but isn’t the point supposed to be that drivers are to keep their eyes on the road at all times? So … if I had to look/glance down to check the map on my phone would that not mean that I AM taking my eyes off the road? Am I not then distracted?
Personally, my preferred placement is on top of the dashboard on my right or right on the air vent. Anything lower than that is too low. Playing peekaboo with my phone behind the steering wheel is not an option unless I am prepared to hit another car or a pedestrian. Having my phone just at that height means that I have my phone on my periphery the entire time so glancing at the map is not difficult.
Understanding distracted driving
What is distracted driving? – the graphic is taken from seafirstinsurance.com
I think the infographic above taken from seafirstinsurance.com says it quite well:
no personal grooming
no using of handheld or portable electronic devices
no listening and talking on handheld devices
no texting or emailing
no writing, printing, or sketching
no reading of printed materials
no entering of info on GPS units
If only LTFRB could state it as clearly as that then maybe there wouldn’t be such a hubbub.
Driving long distances with very little sleep is dangerous as it can affect your alertness and your overall driving skills. Having coffee or a caffeinated drink may not be enough. So get that proper shut-eye — at least six to nine hours of uninterrupted sleep — before that trip.
When going somewhere far for the first time, it’s best to do research first on the surrounding areas, the best routes to take, and the general road conditions there.
It’s important to wear your seatbelt — for the driver as well as front and rear seat passengers. This safety restraint system can protect you in times of collisions and prevent you from hitting the dashboard, the windshield, the seat in front of you, or worse.
Be conscious of braking distances and leave a safe space between your vehicle and the one ahead of you, so in case of an abrupt stop, a potential collision can be avoided.
Having car insurance, like the comprehensive insurance coverage offered by AXA Philippines, can protect you against losses and liabilities arising from road mishaps. AXA Car Insurance is available for purchase online.
Traveling is such a wonderful thing! It helps you appreciate different cultures and teaches you so many lessons that aren’t taught in the classroom. But to make each trip truly meaningful, you have to prepare very well for it.
Make your luggage easily identifiable by adding some personal touches, like a luggage cover protector or bag tags with your name and address. If the airline loses your luggage, report it immediately.
Lugging heavy suitcases as you chase after a bus or train or try to catch your flight makes travel more difficult, stressful, and even costly because it could mean paying extra for excess baggage.
Having cash is the easiest way to pay for things when traveling, but if you’re not careful, you can run low on cash before the end of your trip. To make your cash last long, bring a refillable water container so you don‘t have to buy bottled water, or shop at local stores for affordable and authentic local cuisines. Create a daily budget for your trip and stick to it. Have a credit card for emergencies.
An important step in preparing for unforeseen events is having an emergency kit ready for you and your family.
Some of the common causes of fire, especially during natural disasters like earthquake, are faulty electrical and gas lines.
It’s important to have a sketch of your house so you know how to immediately get out when disaster strikes. Establish and record the location of your meeting area, and be sure to practice this with your family members.
To know more about Solane, visit their new website, www.solane.com.ph, and Facebook page, 
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