How long do you keep your car insured?

[jaymd]

How long do you keep your car insured? whether its a brand-new purchase or a relatively new model second hand car. 3-5 years? I know for a fact that all loaners need to be insured. but after that do you still insure your car?

[LiempoBoi]

From 1996-2011

Toyota Corolla bigbody insured hanggang sa binenta ko siya. Ayaw ko kasi magkaroon ng problema kapag binangga. At least participation fee lang babayaran at hindi na ako mahihirapan na habulin yung bumangga.

[jrn29]

2002-2012 , adventure SS

,kahit 10 years na naka inssurance parin, hindi man sa bangga kapag na carnap kasi may laban ka at di mo rin masasabi ang aksidente iba na yung handa ka

[bobzy]

i have kept my ride insured for 3 yrs now, even once a year lang sya nagagamit. mabuti na yung sigurado...you'll never know when you'll need it.

[Manilablock]

On the 9th year na ung ride ko pero naka comprehensive insurance pa din ako.

Kanina kakanan ako sa kanto, naka 20kph na lang ako at naka signal light, bigla ba naman meron nag cut na motor sa right side ko, buti alalay lang ang pagliko ko kun nde malamang meron motorcycle rider na hahalik sa semento.

Just imagine kung nagkabangaan kami at wala akong insurance...

Ang punto ko, kahit maingat ka mag drive, ang insurance hindi lang para sa mababanga mo, kasama dyan un babanga sayo..

[cast_no_shadow]

2006 - present.

Yan din tanong ko sa sarili ko, until when?

Still hindi mo man magamit, peace of mind na din ang binayaran mo.

[Retz]

insured palagi. anyway mura na lang premium as your car gets older eh.

[CVT]

For as long as they can be insured....

Iyong isa ko,- insurance na ang umurong... Pero, wala naman akong nake-claim sa kanila.....

19.0K:higop:

[_Qwerty_]

hindi participation lang ang babayaran.. pag more than 3 years na may depreciation na..

Over 3 yrs up to 4 yrs 20%
Over 4 yrs up to 5 yrs 25%
Over 5 yrs up to 6 yrs 30%
Over 6 yrs up to 7 yrs 35%
Over 7 yrs 40%

so kung over 7 years old na.. nabangga.. halimbawa 10T ang damage for parts.. 6T lang sagot nang insurance.. yung 4T sagot na nang owner..

[cast_no_shadow]

hindi participation lang ang babayaran.. pag more than 3 years na may depreciation na..

Over 3 yrs up to 4 yrs 20%
Over 4 yrs up to 5 yrs 25%
Over 5 yrs up to 6 yrs 30%
Over 6 yrs up to 7 yrs 35%
Over 7 yrs 40%

so kung over 7 years old na.. nabangga.. halimbawa 10T ang damage for parts.. 6T lang sagot nang insurance.. yung 4T sagot na nang owner..

Still rather than shouldering 100%.

[cast_no_shadow]

Lahat ba ng 3 years older na insured cars may non-casa clause na sa policy?

Or may insurance na payag sa casa ipasok kahit lagpas 3 years na yung sasakyan?

[[archie]]

as long na ginagamit yung oto insured. mahirap na...

meron nagooffer more than 5 years na pwede pa casa. standard insurance accepts those kind of insurance.

[cast_no_shadow]

as long na ginagamit yung oto insured. mahirap na...

meron nagooffer more than 5 years na pwede pa casa. standard insurance accepts those kind of insurance.

Depende siguro sa damage, yung isang kotse namin nabangga diniretso ko sa casa, not knowing may non-casa clause ako sa policy,

i contacted the insurance hinayaan muna na andun yung oto, nung naglabas ng quotation ang casa bigla nilang pina-pull out.

The worst part i paid storage fee, since hindi dun ginawa kotse ko. Awa ng diyos na declare as total loss. Sulit ang insurance hehe

[vinj]

Re. the depreciation of parts, you can opt for surplus so you don't have to shoulder the depreciation on a brand new part. At least, that was the case on the bumper of my 9th gen Altis a few years ago.

We keep all cars insured until they're sold. Only exception is our Sentra B13 (nakaligtaan) and i wish it were insured up to now.

[_Cathy_]

Dati 5 years lang. But now I'll keep my car insured until I sell it.

[black ice]

kakatuwa nga minsan mas concern tayo insure ung mga sasakyan natin kesa sa mga sarili natin..
BTT.. gat kaya ng budget comprehensive pa rin kukunin ko tama sila peace of mind ang binabayaran and mas madalas kasi si mrs ang me dala ng oto..

[_Cathy_]

kakatuwa nga minsan mas concern tayo insure ung mga sasakyan natin kesa sa mga sarili natin..
BTT.. gat kaya ng budget comprehensive pa rin kukunin ko tama sila peace of mind ang binabayaran and mas madalas kasi si mrs ang me dala ng oto..

That is so true. I cannot not have insurance for a car less than 5 yrs old. Pero I don't bother so much with other insurance, minsan nga nalilimutan ko home insurance Yung life insurance ko isa lang at parang ayoko ng dagdagan pa.

[vinj]

kakatuwa nga minsan mas concern tayo insure ung mga sasakyan natin kesa sa mga sarili natin..
BTT.. gat kaya ng budget comprehensive pa rin kukunin ko tama sila peace of mind ang binabayaran and mas madalas kasi si mrs ang me dala ng oto..

In the same line of thought, our cars go to the service shop for PMS more often then i would go to a doctor for a check-up. :D

[cast_no_shadow]

OT

Ako nga wala ako life insurance hehe.

Thankfully may annual check-up kami sa office kung hindi hindi ako magpapacheck-up ever unless may naramdaman.

Pero yung oto religiously sa casa pa din ang PM.

[_Cathy_]

OT

Ako nga wala ako life insurance hehe.

Thankfully may annual check-up kami sa office kung hindi hindi ako magpapacheck-up ever unless may naramdaman.

Pero yung oto religiously sa casa pa din ang PM.

OT: Don't you need at least one life insurance? It gets more expensive as you get older kasi. Very liquid ka kasi siguro pero sayang pa rin kung wala e,