Mapfre

[chikinini]

Hi Guys,

Who from you has MAPFRE as their insurance provider? Got mine from BDO broker, as agreed between us(me, BDO and MAPFRE) during the haggle period my deductible would be 2K(fixed) for a 1.2++ millinon car. When I got my policy the deductible written in the policy is 12K++, I immediately call the attention of BDO manager to correct my deductible in the policy. She coordinated my concern with MAPFRE and she told that as per MAPFRE it's just in the policy, the 2K deductible will be followed once i have claims.

Does anyone from you has the same scenario as mine?

TIA.

[Manilablock]

React lan po:

black-in-white yan 12K, ung sinasabi na 2K deductible palagay mo din sa black-in-white.

Pero sa renewal mo ng insurance pa-clarify mo ung deductible.

[Sarsi]

Ask for a certificate that states your deductible is XXX amount.

My current insurance with MAPFRE states that my deductible is 10k but I asked for a certification that my participation is only 3k, when I made a claim, I had to present the certification, otherwise, what's stated in your policy will be the amount you have to pay.

Do not believe what other people say, ask for a document. It will make your life easy.

[chikinini]

Thanks for your response guys. I will request for a certification regarding my deductible to state what was agreed during our haggle. I will update you guys for any progress.

Thanks.

[nhiecah_nice29]

Hi Sir, Yes you should ask po for the Certificate stating the deductible of P 2k. Sa policy po kasi dapat yung original na deductible po yung nakalagay which is yung 12K, para po walang hassle kapag nagaudit yung Insurance Commission sa company. And if nagka-claim po kayo, you have to present that certificate para po 2k lang ang babayaran ninyong participation/deductible.

[chikinini]

Hi Sir, Yes you should ask po for the Certificate stating the deductible of P 2k. Sa policy po kasi dapat yung original na deductible po yung nakalagay which is yung 12K, para po walang hassle kapag nagaudit yung Insurance Commission sa company. And if nagka-claim po kayo, you have to present that certificate para po 2k lang ang babayaran ninyong participation/deductible.

Noted and thanks Ms. Mapfre

[nhiecah_nice29]

Thank you Sir. Good deal po yung binigay na deductible sa inyo ng BDO. Super baba. But they dont have the benefits and features.

[chikinini]

But they dont have the benefits and features.

Sorry Ms. Nhiecah, what do you mean above?

[chikinini]

May I also know the definition of "DRUNKEN DRIVER's CLAUSE"? It is not written in the policy manual.

[nhiecah_nice29]

benefits like waiver of participation/deductible, fire insurance, security glass etching etc.

"drunken driver clause" - Insured will not be indemnified if the loss or accident was incurred due to drunk driving or if the authorized driver was under the influence of alcohol during the accident or at the time of loss.

[confused shoes]

With my experience, mahirap kausap ang Mapfre pag umabot na sa time na kelangang mag claim. Magaling lang yan pag nag sales talk. Make sure naka document lahat.

[chikinini]

benefits like waiver of participation/deductible, fire insurance, security glass etching etc.

"drunken driver clause" - Insured will not be indemnified if the loss or accident was incurred due to drunk driving or if the authorized driver was under the influence of alcohol during the accident or at the time of loss.

Noted and thanks

[chikinini]

With my experience, mahirap kausap ang Mapfre pag umabot na sa time na kelangang mag claim. Magaling lang yan pag nag sales talk. Make sure naka document lahat.

This is my first time to hear bad feedback for Mapfre. Based on my readings ok nmn lahat ng feedback kya Mapfre ang kinuha ko. I went to BDO knina and talked to the branch manager, I insisted n makakuha ng certificate na 2K fixed deductible lng ang babayaran ko incase n my claim.

Baka natapat ka lang sir s mahirap kausap na agent.

[Retz]

With my experience, mahirap kausap ang Mapfre pag umabot na sa time na kelangang mag claim. Magaling lang yan pag nag sales talk. Make sure naka document lahat.

Kay sis nhiecah ka kumuha susunod sir im sure hindi ka na mahihirapan sa pag claim nyan.


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[nhiecah_nice29]

With my experience, mahirap kausap ang Mapfre pag umabot na sa time na kelangang mag claim. Magaling lang yan pag nag sales talk. Make sure naka document lahat.

Sir next time po na magka-claim ka pm mo po ako. I will also pm you my contact details. Ako po mag-assist sayo sa claims para di mo na po maexperience ulit na mahirapan sa pag-claim.

[nhiecah_nice29]

Kay sis nhiecah ka kumuha susunod sir im sure hindi ka na mahihirapan sa pag claim nyan.


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Thank you Sir.

[confused shoes]

Maybe depende sa agent na kausap but sorry, di ako uulit sa MAPFRE. Sa totoo lang satisfied ako pag mag presyo sila ng insured value (if it is what is called) ng vehicle. Mas mura pati compared to my other insurer.

Ang hindi ko gusto, pag oras na ng pag claim. I ended up using the other party's insurance policy just to fix my car the way I wanted. Why the other insurance company can do what I want while MAPFRE could not?

[nhiecah_nice29]

^
I hope sir you could give me your policy number so that we could investigate what really happen, baka po may miscommunication lang po with our part.

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[confused shoes]

If I can still find those documents, I may be tempted to post everything at tsikot.com but that was years ago. Thank you, nhiecah.

The only time we can tell if our insurer is worthy is when our car is involved in an accident. But we wish it will never happen.

[nhiecah_nice29]

^
Yes Sir, lets pray po that it wont happen again. Anyway Sir if ever po mahanap ninyo, pm nyo po sa akin. ;) God bless Sir.

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