Car Insurance

[jomskeet]

Makiki-angkas lang po sa thread.

Dun sa car (1st car) na ippurchase ko via bank auto loan. My bank is giving me options to choose whichever insurance I want. Pero nirerecommend nila sakin ang AlliedBankers Insurance Corp. at PNB - General

I'm not sure kung ano ang mas okay sa mga offer sakin, kaya po gusto kong makahingi ng advise sa mga may experience. I've got quotes from AlliedBankers, PNB-Gen, Mapfre at Cibeles (c/o SkyFlakes88).

Please help me which insurance should I acquire. Yung madaling kausap base on your experience. Thank you so much!!

AlliedBankers Insurance Corp:

Own Damage/Theft, AON, TPL (Bodily Injury & Property Damage), Auto PA = 22,780.81

Assured Participation:
Deductibel: 0.50% of the sum Insured on the affected item at the time of loss subject, to minimum of PHP2000.00 whichever is higher.

PNB General
Own Damage/THEFT, AON, VTL (Bodily Injury & Property Damage), Auto PA = 23,303.14

Claim Deductible for each and every loss: Php 4,060.00

Mapfre Insular
Loss and damage with AON, Unnamed Pass PA, VTPL (Bodily Injury & Property Damage) = 23,290.67

Warranties and Clauses:
ROAD ASSISTANCE W/ PERSONAL ASSISTANCE
ALTERNATIVE TRANSPORT BENEFIT
LEGAL ASSISTANCE
BAIL BOND COVER (UP TO A MAXIMUM OF PHP 10,000)
WAIVER OF DEDUCTIBLE AND DEPRECIATION
PERSONAL PROPERTY COVER UP TO PHP2,000
RESIDENTIAL FIRE INSURANCE DISCOUNT
REPAIR SHOP CLAUSE (FOR VEHICLES MORE THAN 24 MONTHS OLD)
VALUATION CLAUSE
TERRORISM EXCLUSION ENDORSEMENT
AIRBAG CLAUSE
PAIR AND SET ENDORSEMENT
ACCESSORIES CLAUSE

Cibeles

od/aog, 200k/200k bi/pd, 50k ea.(5) pa

Total: P 27,173.98

3 yrs ctpl: P1,680.54

[marldir]

Need to renew my insurance. Pa PM naman po sa mga agent dito, need the quotation...

TIA.

[dragon21]

Forget MAPFRE.

They make you bleed dry before they release an LOA.

I have been with them since 2009, three cars.

...

I'll stick with Malayan next year. I haven't had any problem with them, and LOA usually comes within a week based on past experiences more than 5 years ago.

[mcdip]

mga gurus ask ko lng po kung ano ibig sabihin ng 1.00% of T.S.I minimum of 4000php sa deductible

[Elroi]

mga gurus ask ko lng po kung ano ibig sabihin ng 1.00% of T.S.I minimum of 4000php sa deductible

TSI - Total Sum Insured

commercial ba classification ng vehicle mo? if not, usually 0.5% lang ng TSI ang participation..

[archielew]

mga gurus ask ko lng po kung ano ibig sabihin ng 1.00% of T.S.I minimum of 4000php sa deductible

TSI I assume is total sum insured. so ibig nila sabihin ang participation mo is either 1% nung insured amount nung kotse mo, or 4000pesos, whichever is higher. Parang mataas ito.

[mcdip]

TSI I assume is total sum insured. so ibig nila sabihin ang participation mo is either 1% nung insured amount nung kotse mo, or 4000pesos, whichever is higher. Parang mataas ito.

base sa agent ko ang claim/deductible pa rin daw po is 2k same as the quotation they given, need daw po kasi na standard deductible policy ng IC may penalty daw po kasi once na hindi standard, i hope so and honestly wala ko idea sa ganitong kalakaran

[Elroi]

base sa agent ko ang claim/deductible pa rin daw po is 2k same as the quotation they given, need daw po kasi na standard deductible policy ng IC may penalty daw po kasi once na hindi standard, i hope so and honestly wala ko idea sa ganitong kalakaran

AFAIK, kung ano nakalagay sa policy ay yun ang susundin na amount.. baka magkaproblema ka dyan pag nagclaim ka na..

to give you an example, here's what's written sa policy ko..

[mcdip]

AFAIK, kung ano nakalagay sa policy ay yun ang susundin na amount.. baka magkaproblema ka dyan pag nagclaim ka na..

to give you an example, here's what's written sa policy ko..

ganyan din po yun 1st insurance ko clearly stated about sa deductible, gusto ko rin kasi makasigurado, kinulit ko yun agent ko regarding this matter so she gave me an assurance, the deal will be in this scenario the insurance company will provide a letter which stated that my deductible will be fixed to 2k per accident come what may meron ako panghahawakan, salamat po sa input nyo renewal ko na kasi and i took to other insurance co. ask ko rin kasi sya kung bakit yun previous insurance ko clearly stated regarding that matter so hindi nya sure baka dalawa raw po yun policy na gingagawa ng ibang company isa para sa Insurance Commision at yun isa para sa client so she will raise and confirm this issue

[mcdip]

bigla nga nagiba un sa participation fee dun sa quotation at sa policy, halimbawa po is 4000 un total cost of repair 1% po ba ng 4k babayaran o exactly 4k? unlike others n fix yun deductible which is 2k yun kasi nakalagay ka quotation na binigay sakin pero pagdating sa policy nagiba na

[eminem6480]

Sa mga cars po na nasa bank loan at kakafully paid pa lang, itinuloy nyo pa ba ang comprehensive insurance nyo or hindi na? Sa loob kasi ng 4 years na under insurance, once pa lang ako nagclaim.

[J Ohn P Aul]

Hi po. I just want to ask kng reasonable b tong bngy n computation sakin ng metrobank, especially dun sa insurance and chattel.

Honda city vx navi 2016
SRP - 898000
Dp - 179.600
Monthly - 15.036
Insurance - 29.601
Chattel - 10.000.

[MarkMark]

Hi po. I just want to ask kng reasonable b tong bngy n computation sakin ng metrobank, especially dun sa insurance and chattel.

Honda city vx navi 2016
SRP - 898000
Dp - 179.600
Monthly - 15.036
Insurance - 29.601
Chattel - 10.000.

about your insurance, pm sent sir

[hazd]

Hi insurance agents

Will renew my comprehensive car insurance with AOG this January.

Mazda 3 2013 1.6 maxx AT

Kindly PM me your best quotations or email me at pretty_liezeld*yahoo.com

Thank you so much

[MarkMark]

Hi insurance agents

Will renew my comprehensive car insurance with AOG this January.

Mazda 3 2013 1.6 maxx AT

Kindly PM me your best quotations or email me at pretty_liezeld*yahoo.com

Thank you so much

Hi Ma'am, email sent po.

[makelovenotwar]

Looking for a comprehensive car insurance with AOG.

Unit: 2015 Isuzu Mu-X 2.5 4x2 LS-A
Email Add: alexpadua_resurreccion*yahoo.com

Thanks!

[weisshorn]

Yup may percentage for spare parts cost charge to the owner pag more than warranty coverage. But wait, 3.5k labor for paint job, 3 k for paint & consumables? Waaahh! Kadalasan 3 to 4k or maybe less ang bumper repair outside casa with out insurance claim.

[red_one]

1 car shop near LRT Gil Puyat charges 3k for whole bumper repair and repaint.

Sent from my D5833 using Tapatalk

[Flipo]

1 car shop near LRT Gil Puyat charges 3k for whole bumper repair and repaint.

Sent from my D5833 using Tapatalk

Yung sa akin almost the same damage, 1K lang dito sa suki ko.
I have to pay 700 pesos for the 200 ml paint but, I will keep the remaining paint.

[nhiecah_nice29]

Sir i-ask nyo po si BPI kung para saan yung additional na P 2652.50 sa deductible. Ipakita nyo rin po sa kanila yung copy ng policy ninyo indicating the P 3760 deductible. 2014 model yung sasakyan ninyo kaya wala pa dapat depreciation fee sa mga parts ng papalitan.