Insurance for old cars?

[_Cathy_]

And let me guess, you also bring this old car to the casa for regular maintenance?

Yes I have all the records on file kasi IF I do decide to sell it walang duda sa mileage kasi 2010, nasa 50k+ pa lang

[jojoR]

Toyota Pasig yan agent ko. Sa kanya ako ever since I bought my car saka ang receipt ko Toyota.

Last time nag claim ako, the car was 6 yrs old. Sa ibang casa ko pa nga pinaayos, Pasig na lang nag coordinate. The best customer service ng Toyota [emoji5]

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Hello, just acquired a 2014 Toyota Vios. Kung wala ako kakilala na agent pwede rin ba punta lang sa casa na malapit and apply? Nasa gitna ako ng Toyota Alabang at Toyota Bacoor.

If not, ano recommended na insurance for an 8-yr old car? Planning on getting a comprehensive insurance with AOG na rin.

Thanks.

[papi smith]

Just get from Ichoose and the likes online, it's cheaper. Mataas ang tongpats sa casa. Kay Nica, inactive member here, mas mura pa kaysa online. Cost is about 2% of insured value, inclusive of taxes.

Btw, baka meron dito may kilala na pwede. VTPL lang, 2013 Honda Civic, hinayang ako sa 8k na premium for comprehensive.

[jojoR]

have seen online quotes from Moneymax but looking for those with good experience with dealing with specific companies.
yung hindi sasakit ulo just in case you need to file a claim.

[papi smith]

I've had good experience with FPG and BPI MS. Yung FPG ko 2 days labas ang repair authority, sa casa ito. Yung BPI MS, hindi ko na maalala pero mabilis din lang kaso malayo sa akin ang nearest accredited repair shop nila. So ngayon, yun ang una kong tinitignan, kung aling insurer ang may accredited malapit sa akin.

[_Qwerty_]

go to standard insurance's website, you can ask a quote there..

[sirkosero]

AFAIK, 10 years old ang limit para sa new accounts sa insurance. Pero kung nasa system na, pwede mo irenew up until 10years after or kung 20years na kotse

Hello, just acquired a 2014 Toyota Vios. Kung wala ako kakilala na agent pwede rin ba punta lang sa casa na malapit and apply? Nasa gitna ako ng Toyota Alabang at Toyota Bacoor.

If not, ano recommended na insurance for an 8-yr old car? Planning on getting a comprehensive insurance with AOG na rin.

Thanks.

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[Deestone]

The problem with old cars is that parts you have to pay a certain percentage aside from the deductible.

[babkalakal]

The problem with old cars is that parts you have to pay a certain percentage aside from the deductible.

betterment or sometimes depreciation ang term nila.

back to the original question. if i were in your shoes mag papa quote ako sa labas from several reputable insurance companies for their rates. tapos dadalhin ko sa toyota mismo and ask if they could match or at least close the gap man lang. considering 2014 Vios relatively di na kalakihan ang premiums niyan. kung kaya tapatan sa toyota or lapitan man lang then i will get it "in house". "in house" meaning same reputable insurance companies pero thru toyota. i feel it is worth the convinience ng "in house" even for a few more bucks.

[_Qwerty_]

depreciation for "NEW" parts... usually pag sa casa nagpa repair.. pero kung sa accredited shops.. and surplus ang gagamitin.. walang depreciation..

The problem with old cars is that parts you have to pay a certain percentage aside from the deductible.

[jojoR]

Hello, just completed the transfer of ownership process. Decided to go with BPI MS. Pinakamababa w/ higher coverage and AON due to current promo.

[papi smith]

Hello, just completed the transfer of ownership process. Decided to go with BPI MS. Pinakamababa w/ higher coverage and AON due to current promo.

Magkano premium at magkano ang amount insured at saka participation?

[jojoR]

Magkano premium at magkano ang amount insured at saka participation?

P8.2K, 277K at 2K na deductible

[papi smith]

I see, for info lang, I had mine with Phil British last year, a 2013 Civic, amount covered at 382k, 2k participation at 6.8k premium, probably 8k din if with AON.

[_Qwerty_]

medyo mataas yang premium.. dapat for that amount.. nasa 5K+ na lang premium nyan..

P8.2K, 277K at 2K na deductible

[Deestone]

I see, for info lang, I had mine with Phil British last year, a 2013 Civic, amount covered at 382k, 2k participation at 6.8k premium, probably 8k din if with AON.

That is about right mine is around 250k coverage and I pay 6.5k with AON.

[jojopad]

Pwede pa ba makuhanan ng compre insurance ang mga old vehicles, those that are more than 10 years?

[jojopad]

AFAIK, 10 years old ang limit para sa new accounts sa insurance. Pero kung nasa system na, pwede mo irenew up until 10years after or kung 20years na kotse

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We have FPG insurance for all of our cars, 3 of which already more than 10 years old. The insurance company told us that we can't renew the compre package anymore due to the 10 year limit. This happened only last year.

[papi smith]

Si Cathy ata, ung insurer nya beyond 10 years na, and casa pa ang pasok pag claim. But maybe she's paying a premium over the regular 2% premium on insured value.

[Deestone]

Pwede pa ba makuhanan ng compre insurance ang mga old vehicles, those that are more than 10 years?

Yes there is a former member here who is an insurance agent she could help you.