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Tsikoteer
- Join Date
- Sep 2013
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- 375
March 12th, 2014 03:28 PM #1Hi po. We pay almost 10k pesos every year for our comprehensive insurance of our 2007 mazda 3 ( every year parang almost 1k nababawas)
Since minsan lang din magamit ang kotse at nasa magandang lugar po kami( parking lot na mataas and wala pong baha) may nakapagsabi po na TPL nalang daw ibayad namin sa insurance dahil mas mura at tamang tama sa situation namin.
Ask ko lang po ano ba mga types ng insurance? At ano ano ang sakop nila? Thanks po
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Tsikoteer
- Join Date
- Aug 2012
- Posts
- 2,767
March 12th, 2014 05:45 PM #2if gusto mo lang ma-register ang car mo, you can just get TPL (Third Party Liability) insurance. mas mura but you will lose insurance coverage for you and your car. now if gusto mo Full Coverage, get Comprehensive insurance, like what you have now.
How much is the TPL premium?
Car & Utility Vehicles Php 600.00
Light Trucks ( Below 3, 390 kgs) Php 800.00
Heavy Trucks (over 3, 930kgs) Php 1,200.00
CTPL
compulsory po ito ng government to get an insurance for the purpose of protecting the third party.
COMPREHENSIVE
consists of own damage/theft + VOLUNTARY TPL ( be it BI - Bodily Injury and PD - property damage). the name itself speaks - BI & PD. In lieu of the CTPL, kung kulang pa ang damage/claim, the comprehensive coverage will take care of the rest. comprehensive also covers acts of god (flood, lightning, earthquake) for additional cost aside from what i have mentioned above.Last edited by red_one; March 12th, 2014 at 05:48 PM.
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March 12th, 2014 05:55 PM #3
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Tsikoteer
- Join Date
- Sep 2013
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- 375
March 12th, 2014 09:47 PM #4Salamat sa mga tulong sir i kaklaro ko lang mga boss 1k bayad sa ctpl namin tama po ba yun?
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March 12th, 2014 10:08 PM #5
^
Php600 lang un sir pero kay sis nhiecah Php560 lang.
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March 12th, 2014 10:38 PM #6
Kapag wala ka naman comprehensive insurance, masakit kapag na-carnap ang oto, masakit din sa bulsa kapag naka bangga ka ng luxury vehicles kasi sagot mo sigurado pampagawa ng ma-damage mo. Hindi din po kasi natin masasabi kung kailan dadating ang aksidente. Kaya for peace of mind, better kung meron pa din comprehensive insurance kahit luma pa ang sasakyan.
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Tsikoteer
- Join Date
- Sep 2013
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- 375
March 12th, 2014 11:03 PM #7
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Tsikoteer
- Join Date
- Jul 2011
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- 1,711
March 13th, 2014 11:58 AM #8
Pwede ka din naman sa Comprehensive Insurance pero installment ang payment, ganyan ang ginagawa ko para hindi mabigat ang pagbabayad.
Pero kung gagamitin mo na ung insurance, need to pay the ballance in full.
OT: is your house insured? hindi gumagalaw ang house pero kinukunan din insurance, hindi basis ang safe na lugar.
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Tsikoteer
- Join Date
- Sep 2013
- Posts
- 375
March 12th, 2014 10:57 PM #9
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March 12th, 2014 11:14 PM #10
i wouldn't call the ecosport as jimny sized hehe
2025 Ford Ecosport