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Verified Tsikot Member
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- May 2007
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- 10
August 26th, 2007 06:11 AM #1Hello Tsikoteers,
I just thought of this thread that this could help the tsikoteers. We could have a thread that has information about current chattel mortages and insurance of brand new cars. Hopefully it will be updated by someone knowledgeable in this area.
Thanks
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Tsikot Member Rank 2
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- Nov 2006
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- 316
September 7th, 2007 02:24 AM #2up Any information sa chattel mortgage and insurance. Kung ilang % dapat sa car value?
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Verified Tsikot Member
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- May 2007
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- 28
September 14th, 2007 10:01 PM #3'Yung friend ko parang ang mahal ng nakuha niyang insurance sa Getz 1.1MT niya, 18k (Hyundai Alabang, around June 2007) compared sa officemate ko na nagtanong ng insurance sa Vios 1.5G AT na kukunin niya which is 24k pero natawaran niya hanggang 18k (Toyota Quezon Ave, last week). Ano po dapat ba acceptable percentage sa cost ng car ang Insurance?
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Tsikot Member Rank 2
- Join Date
- Nov 2006
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- 316
September 14th, 2007 10:27 PM #4I just paid my adventure insurance around 21k and chatel around 13k. Mahal ba pa to?
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September 14th, 2007 10:33 PM #5
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September 14th, 2007 10:40 PM #7
Depende yan sa coverage ng insurance, and depende rin sa insurance agent kung gaano kasugapa sa commission. Some car dealers that offer in-house insurance, pumapatong ng as much as 100% sa premium. I was quoted by one mitsu dealer 80K+ for the insurance premium of Pajero, another dealer quoted me around 60K. In the end, dun pa rin ako kumuha sa suking insurance agency ko, 50K and fixed participation of 3K. Dun sa 2 dealers, 1% ang participation sa insurance nila.
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Verified Tsikot Member
- Join Date
- May 2007
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- 28
September 14th, 2007 10:43 PM #8
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September 14th, 2007 10:50 PM #9
The participation is the amount that you will shell out when you make a claim from your insurance. The rate is 0.5% of the insured amount for passenger cars and 1% of the insured amount for commercial vehicles.
Example, if your vehicle was involved in an accident and the cost of repair amounted to 10K. The insured amount of your passenger car is 1M, 0.5% of it is 5K. So the insurance will pay only 5K. (10K cost of repair - 5K participation = 5K).
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Tsikot Member Rank 2
- Join Date
- Nov 2006
- Posts
- 316
September 14th, 2007 10:59 PM #10Thx Lui! Promise nxt time kukuha ako tsekot sa iyo ako tatawag muna. Kasi medyo kulang lang yun budget ko ngayon. Kayo adventure muna kinuha ko.
just seen a 10th gen cross 200,000 miles on reddit. is this a unicorn or has the cvt been proven...
All New 2016 Civic