BPI MS insurance problems.

**lomibaojsoeph** · October 6th, 2017 12:58 PM

Hello Good day po, Im currently working in Nissan UN ave from Insurance Dept. Maybe i can help you po sa mga Insurance renewal and Claim ng car/unit nyo..Baka po makatulong ako ..Pde po kayo mag pa quote sakin, any brand of vehicle/ unit pde pa insured or humingi ng quote try nyo lang po madami kami inhouse insurance.. thank you and godbless

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**rhops** · October 9th, 2017 02:23 PM

Finally (after almost two weeks) had a glimpse of my LOA from BPI MS, this is after I submitted a feedback on their website. In fairness the feedback system was quite okay as the customer complaint guy did respond immediately.

Now the thing that pisses me off is that they say that the damage was not related (meaning that it occurred on different timelines) thus saying that the three major damage points should be treated separately and I had to shell out three times the deductible. So deductible is 2,335 x 3 so i had to shell out 7,000 PHP.

This is bulls**t I said. Who in their right mind would not claim insurance after extensive damage that happened to a car and just wait for another occurrence to have it repaired as well.

Bumper on passenger side detached (extensive damage on lower part), column (connected to the chassis) that supports the bracket holding the radiator was pushed back (probably upon hitting a lodge rock on the ground) thus misaligning the assembly and latching system including the front driver side fender. Driver side side mirror was hit by a concrete post prior it getting ditched on a muddy vacant lot. Running board would naturally be damaged and some scratches on the lower part of the door because of the gutter.

I just dont get it how do they come up with this. Maybe they're doing value engineering, but this is not the way to save on cost.

Anyway I had a "flowery" reply on their email re LOA and hoping that this matter would be over soon.

**Richard ryan** · August 24th, 2018 01:38 PM

Ako po as of 4 years. Wala naman problems sa claims

thank god

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**gypsy87** · September 4th, 2018 12:07 PM

Originally Posted by Sarsi

My car was loaned thru BPI and they gave the free insurance (BPI MS) on the first year and locked in with them until I fully paid the car.

Since I can get a comprehensive insurance from other provider at a much much lower premium for the same coverage, I wrote a letter to BPI MS and request for cancellation of auto renewal. I was advised to pay a certain amount (i was expecting that i will be paying the full amount of the first year insurance but i just pay a fraction), and allowed to get a policy from other provider.

DriveFast.DieHappy.

Hello sir. I am now facing similar situation but BPI M/S has quoted me to pay the whole 1st year worth of insurance as cancellation charge if i will opt out of the lock-in. Can you advise po on how you were able to request to pay only a fraction of it?

**Sarsi** · September 4th, 2018 12:47 PM

Originally Posted by gypsy87

Hello sir. I am now facing similar situation but BPI M/S has quoted me to pay the whole 1st year worth of insurance as cancellation charge if i will opt out of the lock-in. Can you advise po on how you were able to request to pay only a fraction of it?

I got lucky, they made an error during the time i was dealing with them.

After a year, When they noticed that there was an error on their part, they made a call and ask me if i am willing to pay the whole amount, but they are not forcing me since it was their fault.

The difference, according to the person i talked to, if i did not pay will be charged to her, who made the wrong computation.

To cut the story short, i paid the difference, so she will not be charged. [emoji3]

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**gypsy87** · September 4th, 2018 03:34 PM

Originally Posted by papi smith

Yup mukhang ok lang yan, 580k din cover ko pero ang VTPL BI/PD ko tig 200k lang and wala akong AON, 16k premium ko.

Mine is 39k plus for the 2nd year after my free 1st year. Sobrang mahal and i’m wondering if other insurance companies would have been chosen, kung malaki ang ibababa ng premium rate di hamak. Sadly naka-lock in din kasi ako.

**papi smith** · September 4th, 2018 10:39 PM

Boss gypsy, 2016 post pa yan, mahal pa yan, when I shifted providers in 2017 at 520k cover, 10k lang quote sa akin, humabol pa ng quote yung dating provider but too late na, na renew ko na sa iba. Ngayon 2018, 500k cover, 10k pa rin quote sa akin, hundreds na lang nagbago.

**cast_no_shadow** · September 4th, 2018 10:49 PM

Originally Posted by gypsy87

Hello sir. I am now facing similar situation but BPI M/S has quoted me to pay the whole 1st year worth of insurance as cancellation charge if i will opt out of the lock-in. Can you advise po on how you were able to request to pay only a fraction of it?

Same case bro

Bank offers “free 1st year comprehensive insurance”

Kinuha ko naman, prior it getting expired they sent me a notification of the yearly premium for the coming years since locked in nga.

Hindi lang bawi yung free, kumita pa sila.

Only way out is to pay the “free”

No choice binayaran ko na lang and endorsed my preferred insurance.

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**Brentt** · September 5th, 2018 08:48 AM

Originally Posted by cast_no_shadow

Same case bro

Bank offers “free 1st year comprehensive insurance”

Kinuha ko naman, prior it getting expired they sent me a notification of the yearly premium for the coming years since locked in nga.

Hindi lang bawi yung free, kumita pa sila.

Only way out is to pay the “free”

No choice binayaran ko na lang and endorsed my preferred insurance.

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Pano mo binayaran ung "free"?

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