Car insurance

[papi smith]

Just remembered, a few days ago, nag browse ako sa I choose or moneymax ata, and the resulting quotes had entries which state "can be customized to lower premium" or something to that effect.

I know na naisasagad sa lower range ng estimated market value ng car to lower premium but I wonder, could it also mean na pwede excess TPL - BI and PD only?

I need some level of protection from accidents for my 8 year old car but parang talo sa comprehensive dahil malaki na rin participation mo sa parts, lalo na ngayon na halos di mo naman nagamit because aside from pandemic, extra vehicle lang sya. Baka kasi makabangga ng tao or mamahaling sasakyan at least may cover ka

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[Deestone]

Just remembered, a few days ago, nag browse ako sa I choose or moneymax ata, and the resulting quotes had entries which state "can be customized to lower premium" or something to that effect.

I know na naisasagad sa lower range ng estimated market value ng car to lower premium but I wonder, could it also mean na pwede excess TPL - BI and PD only?

I need some level of protection from accidents for my 8 year old car but parang talo sa comprehensive dahil malaki na rin participation mo sa parts, lalo na ngayon na halos di mo naman nagamit because aside from pandemic, extra vehicle lang sya. Baka kasi makabangga ng tao or mamahaling sasakyan at least may cover ka

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Yes some insurance company can insure only tpl excess bi & pd to lower down the premium without own damage.

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[papi smith]

Can you give me an example of how much based on vehicle value? And if possible the amount covered for Excess TPL, thanks

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[Deestone]

Can you give me an example of how much based on vehicle value? And if possible the amount covered for Excess TPL, thanks

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Excess bodily injury and property damage is around 200k each insured amount and if I get a comprehensive insurance for let say 9k then if I remove own damage, acts of nature then it would be around 5k only for excess.

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[papi smith]

Excess bodily injury and property damage is around 200k each insured amount and if I get a comprehensive insurance for let say 9k then if I remove own damage, acts of nature then it would be around 5k only for excess.

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I checked my quotation for 8.3k, if I remove OD and AON, Excess TPL will only cost me 2.1k or if I remove AON only, then 6.9k

[dile]

good morning. i have a comprehensive insurance plan, may i know if i can use it to have my car repainted? my car's body paint faded since i have no covered parking. thanks for your time.

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[shadow]

Nope


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[yapoy86]

good morning. i have a comprehensive insurance plan, may i know if i can use it to have my car repainted? my car's body paint faded since i have no covered parking. thanks for your time.

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technically no.. kasi wear and tear yan.. but sometimes your insurance agent can make some considerations..

yung kia carens namin dati, for 5 years naka compre insurance to the same agent.. no insurance claim for 5 years.. the insurance agent offered my father if he wants the car paint refreshed thru insurance claim.. ayun na paint ulit yung car sa kia ulit..

[Deestone]

I checked my quotation for 8.3k, if I remove OD and AON, Excess TPL will only cost me 2.1k or if I remove AON only, then 6.9k

You don't remove it literally the price as quoted. You need a separate quote for excess bodily and excess property damage they have a different price for this should you wish to reduce the comprehensive insurance.

[papi smith]

You don't remove it literally the price as quoted. You need a separate quote for excess bodily and excess property damage they have a different price for this should you wish to reduce the comprehensive insurance.

Turned out exactly how I computed it, took out the AON premium and recomputed the taxes.