Pls Suggest Car Insurance Companies

[Retz]

Sirs, nagtaaas ba this year ang Extended Bodily Injury - TPL? from Php340 last year to Php510 this year? last year nagtaas na nga ung extended TPL - PD.

[rvdelara]

Sirs, nagtaaas ba this year ang Extended Bodily Injury - TPL? from Php340 last year to Php510 this year? last year nagtaas na nga ung extended TPL - PD.

Sir, Php.560 for TPL this year

[Retz]

Sir, Php.560 for TPL this year

bakit nagtaas na sir? parang salitan every year pagtaas ng TPL-BI and TPL-PD napansin ko.

[mark_t]

mukhang highly recommended mapfre dito ah.

Mukhang mas concerned sila sa scratches .

[Retz]

do you still avail of compehensive insurance to your vehicle more than 10yrs of age?

[mark_t]

Wala naman restriction sa age of vehicle.

[erick_214]

I would suggest Malayan Insurance, they are really easy to talk to and they can process your problems in their satellite offices. Not like the ones sold beside LTO offices which are totally crap! Their TPL is also cheaper than the ones found beside the LTO.

[nhiecah_nice29]

do you still avail of compehensive insurance to your vehicle more than 10yrs of age?

Sir, If you dont want to avail comprehensive insurance for your vehicle more than 10 years old, meron po inoofer ang MAPFRE na "Liability Guard", pero ang covered lang po nun is yung Body and property damage to the third party and yung UPPA mo.

[Retz]

^

how many percent less un sa comprehensive insurance?

[cardict]

Sir, If you dont want to avail comprehensive insurance for your vehicle more than 10 years old, meron po inoofer ang MAPFRE na "Liability Guard", pero ang covered lang po nun is yung Body and property damage to the third party and yung UPPA mo.

How's that mam?

[nhiecah_nice29]

How's that mam?

For Bodily Injury or Property damage to the third party na ma-damage ng vehicle nyo, and yung UPPA ng mga nakasakay sa vehicle mo, pero yung damages sa own vehicle di yun covered. may FREE legal assistance and bail bond up to P10,000 din po ang package insurance na ito.

[derf8666]

do you still avail of compehensive insurance to your vehicle more than 10yrs of age?

As long as you are using your car, it is best that you get a comprehensive insurance. You never know what can happen on the road. For such a small fraction of the cost, you get peace of mind. Do not scrimp on the cost. And do not mind too if you didnt meet any accident while you are insured. Just think that you are helping other unit owners. Insurance works like a cooperative in a sense.

[mark_t]

Kung ayaw mag cover ng AOG ay bakit? Location? Eh buong city kung mag baha.
Huwag kayo kukuha doon.

[derf8666]

Well each company and their underwriting department have their own reasons on why or why not to accept certain risks. Maybe they have had poor claim history on a particular type of risk. Before when I was just starting (years years ago actually about 2 decades ago hehe) kailangan ko pang ipaaaprove certain risk sa insurance company na hawak ko. It took too much time and effort tapos may utang na loob ka pa sa manager. Thats why i decided to get other companies to represent, since we are allowed naman to carry several companies. So now pag ayaw ng isa, then ibibigay ko sa iba. That is why a licensed agent should have a choice of several insurance companies for their clients to choose from so as to serve them better. Most of my clients trust me naman and they dont mind which company i put their risk. Sa totoo lang kasi, most comapnies naman are just the same. Its only a matter of the servicing agents catering to their needs, especially when there is a claim. To explain to them what needs to be done. What are covered and what are not. Kung mapapansin niyo nga, most of those who are complaining about the difficulty in claims are those without servicing agents. Kinuha na lang basta basta sa casa, sa bangko, o kung saan saan.

[Retz]

Kung ayaw mag cover ng AOG ay bakit? Location? Eh buong city kung mag baha.
Huwag kayo kukuha doon.

un nga sir ang hindi ko maintindihan.

[wezz_zzew]

Kung ayaw mag cover ng AOG ay bakit? Location? Eh buong city kung mag baha.
Huwag kayo kukuha doon.

Badjao pala may-ari ng kotse tapos pinaparada nya sa balsa dahil yung bahay nya nakalutang sa dagat. Tapos umalon ng malakas, nalhulog yung kotse sa dagat, covered pa din ba ng AOG?

[[archie]]

^^^ ang alam ko sa financing, dapat accredited nila na insurance. Not 100% sure though.

[shekyna]

^^^ ang alam ko sa financing, dapat accredited nila na insurance. Not 100% sure though.

Thanks sa reply..

[Pipefish]

It is advisable (and possible) to have my HID-retrofitted headlights included in the insurance? I paid more than P20k for this retrofit and would like some peace of mind. Thanks.

[derf8666]

It is advisable (and possible) to have my HID-retrofitted headlights included in the insurance? I paid more than P20k for this retrofit and would like some peace of mind. Thanks.

Yes it is ok. Just advise your insurance company and have it properly endorsed. You may have to pay additional premium for it, depending on your existing coverage.