Best Car Insurance

**sundae 74** · September 18th, 2019 05:10 PM

Originally Posted by _Qwerty_

nag claim ka ba nang malaki nung 1st year mo? usually nangyayari yan pag malaki yung ni claim mo.. binabawi niila sa premium..

I claimed once..

Now they emailed me another receipt..

First, nakaracvd ako ng MAIL with the receipt of 29,409.06. Tapos, kinontest ko.

Kaya ng email sila ulit nitong amount na naman daw 26,770.15.

OD/Theft: 1,182,600.00
VTPL/ BI: 500K
VTPL/ PD: 500K
Auto PA: included 75k/pax
Political Violence: covered
ACT OF NATURE: covered

Deductible: fixed 2k

My car is monty 2017 GLX manual

Sakto lng ba yan mga sir/mam for a 2 year old car?

**Sebastian Bach** · September 18th, 2019 05:16 PM

Originally Posted by gomezgomez

May promo BPI ngayon kaso 5 years lock in sa BPI MS. May bad feedback ako nakita sa BPI MS dito pero matagal na yun. Any feedback on the current service of BPI MS?

Ok naman BPI MS experiences ko so far. Been their insurance provider for 5 years. it takes usually 2 - 3 days lang bago ma release yung LOA. Not much questions, just estimate from their branch or estimator then release LOA na.

Isa lang ayaw ko sa BPI MS, mahirap tumawag sa claims. Laging voice mail na hindi ka babalikan. Its getting worse actually yung hotline nila. Might want to consider this if isa to sa deal breaker mo.

**tearhear18** · September 18th, 2019 11:06 PM

mga boss maganda araw,

tanong ko lang po ok lang ba hindi na kumuha ng insurance, yung CPTL?
yung TPL nalang ng LTO na 3years, please enlightened me, thanks

**dr. d** · September 19th, 2019 12:56 AM

Originally Posted by tearhear18

mga boss maganda araw,

tanong ko lang po ok lang ba hindi na kumuha ng insurance, yung CPTL?
yung TPL nalang ng LTO na 3years, please enlightened me, thanks

the Compulsory Third Party Liability (CTPL) insurance is required by law, po. wala tayong kawala diyan.
wala CTPL (or TPL for short)... wala LTO rehistro.

wala pa isang libong piso isang taon yan!

**tearhear18** · September 19th, 2019 02:08 PM

Originally Posted by dr. d

the Compulsory Third Party Liability (CTPL) insurance is required by law, po. wala tayong kawala diyan.
wala CTPL (or TPL for short)... wala LTO rehistro.

wala pa isang libong piso isang taon yan!

1 year palang kasi car ko kaka expire lang ng insurance, compulsory ba tlaga ako mag renew thanks.

**shadow** · September 19th, 2019 02:10 PM

Originally Posted by tearhear18

1 year palang kasi car ko kaka expire lang ng insurance, compulsory ba tlaga ako mag renew thanks.

Yes! Kung naka loan pa yan, kailanga mo pa rin kumuha ng comprehensive insurance. Pag fully paid na, Kung ayawnmo comprehensive eh di huwag pero yun third party no choice ka doon.

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**_Qwerty_** · September 19th, 2019 02:16 PM

No, you don't need CTPL for the 2nd and 3rd year comprehensive insurance.. good for 3 years na yung TPL sa LTO same sa registration.

Originally Posted by tearhear18

1 year palang kasi car ko kaka expire lang ng insurance, compulsory ba tlaga ako mag renew thanks.

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dapat nasa 18T to 20T na lang premium mo.

Originally Posted by sundae 74

I claimed once..

Now they emailed me another receipt..

First, nakaracvd ako ng MAIL with the receipt of 29,409.06. Tapos, kinontest ko.

Kaya ng email sila ulit nitong amount na naman daw 26,770.15.

OD/Theft: 1,182,600.00
VTPL/ BI: 500K
VTPL/ PD: 500K
Auto PA: included 75k/pax
Political Violence: covered
ACT OF NATURE: covered

Deductible: fixed 2k

My car is monty 2017 GLX manual

Sakto lng ba yan mga sir/mam for a 2 year old car?

**17Sphynx17** · September 19th, 2019 02:25 PM

Originally Posted by _Qwerty_

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dapat nasa 18T to 20T na lang premium mo.

Not sure lang about sa nagpost but I think his insurance was through bank arrangement. In my experience, sa quote and comparison namin everytime ganun, mas mataas parati talaga premium. Parang dun ka nila pinapatungan. Not sure lang if papayag sila malipat to another insurance provider mo while under car loan pa though. I honestly can't remember pero alam ko usually payag after Car Loan period lang kasi kasama sa "package" or arrangement once nag-oo ka na dun. PArt of computation lahat ika-nga.

Though hindi applicable sa lahat ng kausap, so far, yung experience namin with Sec Bank, pumapayag sila na kami na kumuha with our own provider then submit sa kanila before papayag marelease kotse. And if we ever found a lower rate sa other banks, they were willing to work with us to match it somewhat. So convenient for me yung sa ganun.

I do know hindi "lowest" rate ang Sec Bank. Sa ngayon, usually parang pinakamababa narinig ko was thru ChinaBank sa kakilala ko, but parang "preferred" clientelle na kasi yun kaya mas willing sila magbigay ng good rate para hindi na maghanap sa iba. Hehe! Though sa kanya naman, hindi na sa ibang provider kuha insurance, direct through bank naman na. Di ko na tinanong annual premium niya sa insurance, rate lang ng bank. =)

**_Qwerty_** · September 19th, 2019 02:29 PM

yan yung tinatawag na naka lock in or naka tie up ka sa insurance.. usually nangyayari lang yan pag ni accept mo yung "free" first year insurance na naka package sa loan mo.

pag ganyan, obligado kang kumuha nang insurance sa kanila hanggang matapos yung loan mo. Dyan ka na nila tatagain.. babawiin yung 1st year "free" kuno na insurance tapos in the end of the loan duration.. masa malaki pa nawala sayo kesa kumuha ka nang sarili mong insurance on the 1st year.

kaya never accept 1st year free insurance.. nothing is free.

Originally Posted by 17Sphynx17

Not sure lang about sa nagpost but I think his insurance was through bank arrangement. In my experience, sa quote and comparison namin everytime ganun, mas mataas parati talaga premium. Parang dun ka nila pinapatungan. Not sure lang if papayag sila malipat to another insurance provider mo while under car loan pa though. I honestly can't remember pero alam ko usually payag after Car Loan period lang kasi kasama sa "package" or arrangement once nag-oo ka na dun. PArt of computation lahat ika-nga.

Though hindi applicable sa lahat ng kausap, so far, yung experience namin with Sec Bank, pumapayag sila na kami na kumuha with our own provider then submit sa kanila before papayag marelease kotse. And if we ever found a lower rate sa other banks, they were willing to work with us to match it somewhat. So convenient for me yung sa ganun.

I do know hindi "lowest" rate ang Sec Bank. Sa ngayon, usually parang pinakamababa narinig ko was thru ChinaBank sa kakilala ko, but parang "preferred" clientelle na kasi yun kaya mas willing sila magbigay ng good rate para hindi na maghanap sa iba. Hehe! Though sa kanya naman, hindi na sa ibang provider kuha insurance, direct through bank naman na. Di ko na tinanong annual premium niya sa insurance, rate lang ng bank. =)

**tearhear18** · September 19th, 2019 02:56 PM

pa clarify naman po pasensya na new car owner po kasi,
TPL ng LTO na 3years ay iba pa sa CPTL di po ba?

kasi yung renewal ko ngayun 18k+ mafre, ne require po ako e.
ask ko lang if hindi ba ako kukuha ng mafre insurance ok lang po ba yun, or required tlaga ako kasi under pa ako ng carloan,

thanks.