if the price is almost the same plus they are using Fed Phoenix which is a legit insurance company, then it is ok.... not to mention na baka may malapit na Cebuana sa inyo making it more convenient.
and akala ko lang is baka nagiissue ng sariling policy si cebuana.... medyo ibang issue na yun.
if this is the case, i'll try to also get my next TPL from Cebuana.. may malapit sa amin eh. instead of me getting it via questionable insurance providers sa loob ng LTO na mas mahal, pero questionable pa ang product. (although may comprehensive naman kasi ako eh.)
Meron dito isang thread na may 2 poster na nagsabi na may issue ang Cebuana TPL, ano na kaya ang totoong problema dito?
Link: What's TPL?
post # 99 & 100