Car Insurance

[shadow]

Just shifted insurance company to MAPFRE/Insular. Paid P13t++ for our Avanza 1.5G (2nd year na, 630t coverage). Unfortunately, 1% na yung participation at yun na raw ang standard. Dati kasi 0.5% yung nasa policy nung dating insurance namin.

sometimes hinihingi lang nila yun copy ng old policy mo as proof na .5% ang participation mo from your old insurance, at least yun ang ginawa sa akin just this first week of December when I transfered to a new insurance co. to retain my previously .5% participation.....

Insurance companies that pay claims faster IMHO are Oriental, Mapfre and Standard.

I beg to disagree with Standard I have a very bad experience with them..took me a long time to get the check....

meron bang zero participation insuramce? at magkano naman kaya premium niyan??

I think wala...

[hominid]

meron bang zero participation insuramce? at magkano naman kaya premium niyan??

Minsan me mga company na nagpo-promo. Un 0.05% batas yan. Un 1% questionable un.

[av8or5]

got my insurance from the dealer. although i shopped around for cheaper price, it actually came out less than if I acquire one outside. I even called my old insurance company before I acquire my new car and the dealer gave a good deal. P19500 premium for P888k coverage with acts of god included and P3k participation. some insurance company was charging 10% participation for same coverage w/out acts of god, and about P18000-18500.

so took the offer of the dealership with less hassle.

[Fargin]

yung isuzu pasig nag ooffer ng free insurance, pero hindi naka indicate sa quotation how much. pano ba icompute yun? para malaman ko kung mas ok kumuha sa labas...

[polerk]

Regarding sa deductible, it depends kung anong klaseng insurance policy meron ka:
Private Car (PC) - 0.5% deductible; higher premium
Commercial Vehicle (CV) - 1.0% deductible; lower premium

AUVs, SUVs, and minivans can be classified to either CV or PC. Siguro yung agent/broker nyo ginawang selling point yung lower premium ng CV policy but with a higher deductible. I recommend next time that you insist on a PC policy.

About fixed deductibles, usually packaged premium rates yan sa fleet accounts.
Seldon mag-offer nyan sa mga retail accounts like yung galing sa casa.

Hope this helps.

[xircom]

mga bro, a friend is asking if this is ok quoation na from generali, for his 1.3S CVT city:

premium of 18k
taxes of 4.5k
or a total of 22.5k

premium includes coverage for 665K car, bodily injury, property damage, passenger accident and coc/tpl. thanks in advance.

[sysop]

^^Ok na din bro yang 22.5K. Halos ganyan din lumalabas sa computation ko e (21,655), with 300K BI/PD, 20k PA each for 5 passengers, CTPL and Auto Rescue. Pioneer Insurance naman po ang company. ;)

[mark_t]

Hi guys,

I can help by providing competition to your present insurance provider.

Just provide me the details of your requirement and you would have to pay more than you have to.

mark

[mark_t]

Biro lang. Of course you dont have to pay more than approved rates.

[_Qwerty_]

for 665K coverage parang mahal yang 22.5K.. may AOG na ba yan?

mga bro, a friend is asking if this is ok quoation na from generali, for his 1.3S CVT city:

premium of 18k
taxes of 4.5k
or a total of 22.5k

premium includes coverage for 665K car, bodily injury, property damage, passenger accident and coc/tpl. thanks in advance.