Insurance for old cars?

[_Cathy_]

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.

Yup. 2010 Altis. I paid P6k sa Toyota Pasig



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[Stigg ma]

Yup. 2010 Altis. I paid P6k sa Toyota Pasig



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mga magkano participation fee nito?

[_Cathy_]

mga magkano participation fee nito?

php2500

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[Stigg ma]

php2500

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2500 plus ilan % ang depreciation (kung meron)???

kapag surplus ba at non-casa may depreciation fee pa din???

[dr. d]

depreciation comes in, if parts were replaced by brand new parts sourced by the insurer.
kung pinukpok, minasilya at pininturahan lang, wala depreciation.

[shadow]

2500 plus ilan % ang depreciation (kung meron)???

kapag surplus ba at non-casa may depreciation fee pa din???

Depende kung ilan taon na kotse AFIAK. 3-4 year old vehicles 20% then every year increase ng 5% then over 7 year old vehicles 40%


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[Deestone]

The 6k paid for the premium I think that is already the cheapest in the market *200K sum insured.

[_Qwerty_]

or surplus parts.. yung mga kinahoy nang insurance sa mga total wreck nila.. yan wala ding depreciation..

depreciation comes in, if parts were replaced by brand new parts sourced by the insurer.
kung pinukpok, minasilya at pininturahan lang, wala depreciation.

[_Cathy_]

2500 plus ilan % ang depreciation (kung meron)???

kapag surplus ba at non-casa may depreciation fee pa din???

tama si shadow and dr d, depende sa age ng car ang depreciation. Kapag body repair at walang pinaltan walang depreciation. I like Toyota kasi sinusundo hatid car sa bahay (con is you pay cash) Kahit corolla lang auto ko, 5 star customer service pa rin! Kaya my next car will still be a Toyota

[Stigg ma]

balak ko i kuha ng comprehensive insurance yung 2011 ko kotse bago ko i benta for peace of mind sa mga scammers, transferable ba ang comprehensive insurace sa next owner?

[shadow]

balak ko i kuha ng comprehensive insurance yung 2011 ko kotse bago ko i benta for peace of mind sa mga scammers, transferable ba ang comprehensive insurace sa next owner?

Yes.


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[_Cathy_]

Toyota Pasig informed me that they can't include Acts of Nature and Towing in my insurance anymore because my car is 13 yrs old I am thinking if I should switch insurance but then the last time I claimed was 2016 pa (own damage)

Also, P180k na lang ba talaga value ng 2010 1.6G Altis? I am looking online and most are selling 300k (average)

The rest of my family only insures up to the 5th year but I still want mine insured kasi

[carxynogen]

Toyota Pasig informed me that they can't include Acts of Nature and Towing in my insurance anymore because my car is 13 yrs old I am thinking if I should switch insurance but then the last time I claimed was 2016 pa (own damage)

Also, P180k na lang ba talaga value ng 2010 1.6G Altis? I am looking online and most are selling 300k (average)

The rest of my family only insures up to the 5th year but I still want mine insured kasi

Peace of mind if may insurance. So I would go for it kahit ganyan kababa.
Na try nyo bang iinquire sa ibang insurance provider that will accept >10 yrs old na car?
Baka may mas magandang deal compared current insurance provider nyo.

Inquiring online site via ecamparemo, ichoose, or moneymax might give you an idea how much are they willing to offer you.

[babkalakal]

Toyota Pasig informed me that they can't include Acts of Nature and Towing in my insurance anymore because my car is 13 yrs old I am thinking if I should switch insurance but then the last time I claimed was 2016 pa (own damage)

Also, P180k na lang ba talaga value ng 2010 1.6G Altis? I am looking online and most are selling 300k (average)

The rest of my family only insures up to the 5th year but I still want mine insured kasi

i can try to answer yung 2nd query. yung insured value ng saksakyan is not based on the market value but rather book value wherein mayroong set depreciation every year kaya pumapatak na 180k.

swerte ka na willing sila to insure ang 13y/o car. yun insurance namin noon para sa 1996 civic vti at 2002 fuego refuse na nila coverage after 10yrs. i forgot what company

[sirkosero]

Toyota Pasig informed me that they can't include Acts of Nature and Towing in my insurance anymore because my car is 13 yrs old I am thinking if I should switch insurance but then the last time I claimed was 2016 pa (own damage)

Also, P180k na lang ba talaga value ng 2010 1.6G Altis? I am looking online and most are selling 300k (average)

The rest of my family only insures up to the 5th year but I still want mine insured kasi

Our 2003 vios is still insured by bpims. Comorehensive with acts of god and towing...

But maybe because the car was insured by them since day1.

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[xwangbu]

Toyota Pasig informed me that they can't include Acts of Nature and Towing in my insurance anymore because my car is 13 yrs old I am thinking if I should switch insurance but then the last time I claimed was 2016 pa (own damage)

Also, P180k na lang ba talaga value ng 2010 1.6G Altis? I am looking online and most are selling 300k (average)

The rest of my family only insures up to the 5th year but I still want mine insured kasi

pa-member ka Ms Cathy sa AAP -me free towing yun.
then sa kanila ka na di pa-insure.

[travajante]

Post-encumbrance, we keep it above basic by adding enhanced 3rd Party Property Damage & Bodily Injury Liability to the 100k CTPL. Own-damages, we self-sort em. Simple, hobo....& yes, safety, like penance, is always part of our daily prayer.[emoji120]


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[Walter]

The thing with insurance is if you do not have own damage clause, they cannot give maximum value for damage to property and additional TPL ...

[travajante]

The thing with insurance is if you do not have own damage clause, they cannot give maximum value for damage to property and additional TPL ...

Not maximum, but 250-300k for each of the 2 clauses gives you a bit more mind peace than the bare minimum of 100k CTPL...All for a small fraction of own-damage premium.

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[ninjababez]

Toyota Pasig informed me that they can't include Acts of Nature and Towing in my insurance anymore because my car is 13 yrs old I am thinking if I should switch insurance but then the last time I claimed was 2016 pa (own damage)

Also, P180k na lang ba talaga value ng 2010 1.6G Altis? I am looking online and most are selling 300k (average)

The rest of my family only insures up to the 5th year but I still want mine insured kasi

sakin sa phil brit 198k
6k binayaran with aog na kay miss.nica

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