About insurances newbie here

[rvdelara]

Insurance is very important. i suggest that you still continue to have your car insured. you can request from your agent/ insurance company to quote for a lower premium high deductible/participation.

[maki mi]

Same dilemma with TS, 10k/year comprehensive ko since my car reached 10 years old so kumuha na lang ako ng Liability Guard from MAPFRE on top of my CTPL, around 3k+. Up to 200k coverage para sa maa aksidente mo, sagot mo nga lang damage ng auto mo.

I think RVdeLara is from MAPFRE, ask him f interested ka.

[Retz]

I think 3yrs up na saaskyan hindi naman kasama ang parts sa insurance or may certain percentage amount lang insured. So aside from participation babayaran mo pa din ung mga parts na nasira kahit may comprehensive ka.

[nhiecah_nice29]

Kumuha ka na lnag nga po Sir ng Liability guard sa Mapfre. Pm ko po sa inyo yung details.

Same dilemma with TS, 10k/year comprehensive ko since my car reached 10 years old so kumuha na lang ako ng Liability Guard from MAPFRE on top of my CTPL, around 3k+. Up to 200k coverage para sa maa aksidente mo, sagot mo nga lang damage ng auto mo.

[cast_no_shadow]

I think 3yrs up na saaskyan hindi naman kasama ang parts sa insurance or may certain percentage amount lang insured. So aside from participation babayaran mo pa din ung mga parts na nasira kahit may comprehensive ka.

Still much cheaper than paying for the parts 100%

TS hindi mo man nagagamit comprehensive mo still hindi mo alam kung kelan mo kakailanganin.

kumbaga peace of mind ang binayaran mo dyan, hindi dahil meron kailangan gamitin.

mine is 7 years na still naka comprehensive pa din.

sample scenario yung kotse ni utol napaso yung comprehensive, ayaw na niya kuhaan.

napilitan pa din siya mag renew. 2 weeks after nabangga laki ng damage.

dami parts pinalitan although yung depreciation binayaran niya mas mura pa din kesa bayadan mo ng buo yung damage.

[Retz]

^

Sis, pwede paki pm din sa akin details ng liability guard? kindly state kung ano ung wala doon compared to comprehensive.

[cast_no_shadow]

Kumuha ka na lnag nga po Sir ng Liability guard sa Mapfre. Pm ko po sa inyo yung details.

What is liability guard?

[cast_no_shadow]

^

Sis, pwede paki pm din sa akin details ng liability guard? kindly state kung ano ung wala doon compared to comprehensive.

Swapang mo retz! hehe

post na lang niya dito para informed tayong lahat.

[Manilablock]

Hindi kasi siya masyado nagagamit and safe naman sa lugar namin pero tama ka po hindi natin masabi medyo gipit po kasi ngayon kaya tpl lang sana muna hehe. Salamat sir


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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.

[Retz]

Swapang mo retz! hehe

post na lang niya dito para informed tayong lahat.

hehe hindi naman sir. i was just following sis nhiecah's lead sabi niya kasi i-pm niya ung details. but she could post it here na rin for everyone to see.