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  1. Join Date
    Nov 2019
    Posts
    489
    #131
    Quote Originally Posted by papi smith View Post
    Mine specifically states per accident or incident if you like to call it that ..Attachment 42715
    Good if na specify talaga dyan.
    Eto lang talaga naka specify sa akin.
    Ini insist talaga nila na every loss is per panel.
    Due to their insistence based on their experience daw on all insurance companies, per panel daw talaga.
    Need to switch to another broker/agent na.
    Deductible : - Own Damage & Theft/Acts of Nature/ RSSC: Fixed PHP 3,000 on each and every loss
    Authorized Repair Limit: Deductible + Towing (Php500.00)

  2. Join Date
    Sep 2005
    Posts
    14,641
    #132
    per panel? that's BS.. per incident parati ang participation..

  3. Join Date
    Jul 2009
    Posts
    2,438
    #133
    same here per incident ang alam ko. kung ganyan better nga lipat na lang ng insurance.

  4. Join Date
    Jun 2005
    Posts
    3,593
    #134
    Quote Originally Posted by dr. d View Post
    don't take the word of the ahente.
    read the terms of the contract.
    it should be there.
    +1000 on this.

    Minsan ginagawa ng ahente yan para less trabaho sa kanya. Afterall, nakuha na niya comission nya sayo.

    Read the policy

    Sent from my 2107113SG using Tsikot Forums mobile app

  5. Join Date
    Nov 2019
    Posts
    489
    #135
    Just an update.
    Inquired another agent which offered Standard Insurance.
    She confirmed per accident yung per loss sa Standard policy.
    It's time to switch to another agent.

  6. Join Date
    May 2014
    Posts
    1,241
    #136
    Quote Originally Posted by carxynogen View Post
    Just an update.
    Inquired another agent which offered Standard Insurance.
    She confirmed per accident yung per loss sa Standard policy.
    It's time to switch to another agent.
    Good to hear you are at least sorted with the new policy. But I am really surprised there are really people (in the insurance business) who will insist on such arrangement (or actually make the contract "per panel").

    At any rate, since resolved na, never again lang and word of caution. For new car owner na first time makakuha ng policy, make sure na lang din na hindi sila mabudol na ganun yung terms. Kung insist si insurance company/agent, next offer na lang.

  7. Join Date
    May 2019
    Posts
    3,505
    #137
    Di ko pinansin yung "per panel" before, BPI MS per panel din.. Dahil packaged sila nung loan ko, kahit tapos na tinamad na ako maghanap kaya sa BPI MS pa din ako nag-renew..
    Ang iniisip ko kasi nun, hindi naman ako mababangga kaya di ko naisip na importante.. Kailangan ko na pala maghanap ng iba..

  8. Join Date
    Oct 2013
    Posts
    2,535
    #138
    Quote Originally Posted by misseksaherada View Post
    Di ko pinansin yung "per panel" before, BPI MS per panel din.. Dahil packaged sila nung loan ko, kahit tapos na tinamad na ako maghanap kaya sa BPI MS pa din ako nag-renew..
    Ang iniisip ko kasi nun, hindi naman ako mababangga kaya di ko naisip na importante.. Kailangan ko na pala maghanap ng iba..
    BPI MS din kame, no choice kase company provided car + comprehensive insurance ito. wala naman nakalagay sa policy na per pannel. nag claim nga kame ng basag na tailight and deformed bumper at isa participation fee lang ang sinigil sa amin sa casa...

  9. Join Date
    Jan 2016
    Posts
    5,365
    #139
    Quote Originally Posted by misseksaherada View Post
    Di ko pinansin yung "per panel" before, BPI MS per panel din.. Dahil packaged sila nung loan ko, kahit tapos na tinamad na ako maghanap kaya sa BPI MS pa din ako nag-renew..
    Ang iniisip ko kasi nun, hindi naman ako mababangga kaya di ko naisip na importante.. Kailangan ko na pala maghanap ng iba..
    Second ka na na nabasa ko na per panel ang singil ni BPI MS, I wonder, mura ba ang premium ng per panel and participation? And naka specify ba sa policy na per panel? Normal premium rates range from 1.5 - 2.0% of insured amount inclusive of taxes. So papatusin ko lang ang per panel participation pag kalahati lang ng usual premium ko ang offer.img_20221009_092526.jpg

  10. Join Date
    Jan 2016
    Posts
    5,365
    #140
    Quote Originally Posted by Stigg ma View Post
    BPI MS din kame, no choice kase company provided car + comprehensive insurance ito. wala naman nakalagay sa policy na per pannel. nag claim nga kame ng basag na tailight and deformed bumper at isa participation fee lang ang sinigil sa amin sa casa...
    Ayala group ka ba kaya required na BPI MS ang provider? O nataon lang na yun ang best quote for your company? I was a former Ayala employee also and hindi kami limited to other Ayala products or services. Ewan ko lang kung binago na ngayon.

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