Pls Suggest Car Insurance Companies

[rvdelara]

Hindi po cya depende sa lugar. Kaya nga po kailangan ng pictures for approval. Kailangan kc ma check kung ma ayos pa ung sasakyan.

[nabart3k]

hindi naman sa naninira ako ng insurance company ha, pero hindi maganda ang experience ko sa commonwealth. hanggat sa makakatipid sila, yun ang option nila. biruin mo flooded, aalukin ka ba naman ng gagawin sa labas ng casa yung oto mo. kasi parehas din lang daw ginagawa sa casa. nagmatigas ako, ginagawang mangmang ang kausap!

[rvdelara]

yan nga po ang problema sa iba sir. kala nila porket mura ang insurance nila ay nka tipid sila. kaya importante you go for the trusted names in insurance, para my piece of mind ka.

[Retz]

Question mga bro. Pwede pa ba kumuha ng comprehensive insurance kahit tapos na registration ng auto ko and may TPL na cia? Plano ko kasi kuhanan with AOG coverage.

pwedeng pwede sir.

[mark_t]

hindi naman sa naninira ako ng insurance company ha, pero hindi maganda ang experience ko sa commonwealth. hanggat sa makakatipid sila, yun ang option nila. biruin mo flooded, aalukin ka ba naman ng gagawin sa labas ng casa yung oto mo. kasi parehas din lang daw ginagawa sa casa. nagmatigas ako, ginagawang mangmang ang kausap!

Hindi ba dapat ay bayaran na nila, kasi nalunod na nga.
At kung ano man ang gusto nila gawin doon ay sila na mag decide,
dahil kanila na yon kung na bayaran na nila.

[Pipefish]

My insurance is expiring this month (free in the first year) and I'm under contract to renew it with BPI's insurance unit before the end of the month. What can I do to get the best (and fair) deal, given that I'm tied to them?

Their deductible and premium are very high and I pointed it out to them. I was only told that I signed an ``automatic renewal agreement" with them when I got the insurance last year. I never had to avail myself of their service in the first year given the high deductible. What can I do? Thanks.

[nabart3k]

Hindi ba dapat ay bayaran na nila, kasi nalunod na nga.
At kung ano man ang gusto nila gawin doon ay sila na mag decide,
dahil kanila na yon kung na bayaran na nila.

may levels kasi ang flooded unit Sir.

pag level d, ang kalevel nya is taas na ng dash.
may percentage of total cost ng repair (including cost of parts to be replaced)ang ina-allow. kapag nag exceed dun, they will declare it as total loss. (cmiiw mga bros na insurance brokers) yung depreciable value na lang ang babayaran sayo.

yung case kasi ng unit ko is level c lang - kaya irereplace na lang yung mga parts na makakaaffect sa safety ng unit.

[Retz]

My insurance is expiring this month (free in the first year) and I'm under contract to renew it with BPI's insurance unit before the end of the month. What can I do to get the best (and fair) deal, given that I'm tied to them?

Their deductible and premium are very high and I pointed it out to them. I was only told that I signed an ``automatic renewal agreement" with them when I got the insurance last year. I never had to avail myself of their service in the first year given the high deductible. What can I do? Thanks.

Try to negotiate with them the premium rate.

[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?

[Manilablock]

My insurance is expiring this month (free in the first year) and I'm under contract to renew it with BPI's insurance unit before the end of the month. What can I do to get the best (and fair) deal, given that I'm tied to them?

Their deductible and premium are very high and I pointed it out to them. I was only told that I signed an ``automatic renewal agreement" with them when I got the insurance last year. I never had to avail myself of their service in the first year given the high deductible. What can I do? Thanks.

Nag Auto Loan ka ba sa BPI? Baka naman asa agreement nyo na hanga hindi bayad ung loan sa kanila ka lang pwede kumuha ng insurance.

Pero kung insurance lang ang kinuha mo sa BPI, at pinipilit kang mag renew e di wag mo bayaran, shempre get ka pa din ng insurance sa iba para covered ka pa din.

[chris_d]

Nag Auto Loan ka ba sa BPI? Baka naman asa agreement nyo na hanga hindi bayad ung loan sa kanila ka lang pwede kumuha ng insurance.

Pero kung insurance lang ang kinuha mo sa BPI, at pinipilit kang mag renew e di wag mo bayaran, shempre get ka pa din ng insurance sa iba para covered ka pa din.

Eto reason kaya medyo napapaisip ako kung kukuha ng loan sa auto madness nila, mababa nga rates sa loan kaso mukhang babawi sa insurance.

[Retz]

^

magkano ba ung insured amount and premium quoted price sayo sir?

[shekyna]

Medyo matagal-tagal din akong nawala dito sa Tsikot. Tanong ko lang po, nag expire and car insurance ko last June 4, 2013. Nagsend daw ng Notice ang Toyota Manila Bay sa address namin pero walang nareceive ang mga anak ko (outside of the country po ako). Nag inquire ako kahapon at pinadala naman nila ang kopya ng kanilang offer (19,507.36 Pesos incl. AOG). Nakareceived narin ako ng offer from Direct Link (17,201.78) and Mapfre. Pwede bang ipa insure ang car ko sa iba? Under Toyota Financing ang car ko. Hindi rin ako ang nagda drive kundi ang mga anak ko at sila rin at makipagnegotiate sa insurer.

[[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.

[derf8666]

Medyo matagal-tagal din akong nawala dito sa Tsikot. Tanong ko lang po, nag expire and car insurance ko last June 4, 2013. Nagsend daw ng Notice ang Toyota Manila Bay sa address namin pero walang nareceive ang mga anak ko (outside of the country po ako). Nag inquire ako kahapon at pinadala naman nila ang kopya ng kanilang offer (19,507.36 Pesos incl. AOG). Nakareceived narin ako ng offer from Direct Link (17,201.78) and Mapfre. Pwede bang ipa insure ang car ko sa iba? Under Toyota Financing ang car ko. Hindi rin ako ang nagda drive kundi ang mga anak ko at sila rin at makipagnegotiate sa insurer.

My insurance is expiring this month (free in the first year) and I'm under contract to renew it with BPI's insurance unit before the end of the month. What can I do to get the best (and fair) deal, given that I'm tied to them?

Their deductible and premium are very high and I pointed it out to them. I was only told that I signed an ``automatic renewal agreement" with them when I got the insurance last year. I never had to avail myself of their service in the first year given the high deductible. What can I do? Thanks.

You can have your unit insured with other insurers as long as they are accredited. It is illegal for banks/financing companies not to give you other options. You can have it insured with them but you should have other options. I have had clients who took out loans with BPI and Toyota. Medyo mas strict lang sa BPI as the clients should write a letter indicating that they want to insure their unit somewhere else.

Usually if you do not submit a policy from other insurers on or before the expiry date, they will insure it automatically with their chosen insurer. I think thats mainly the gist of the "automatic renewal agreement". unless it is specifically worded in such a way that you are liable if you do not renew with them, then try to get some quotes from other insurers and show it to them so that you can haggle down the price.

[rvdelara]

Yes but you need to declare it.

[Manilablock]

You can have your unit insured with other insurers as long as they are accredited. It is illegal for banks/financing companies not to give you other options. You can have it insured with them but you should have other options. I have had clients who took out loans with BPI and Toyota. Medyo mas strict lang sa BPI as the clients should write a letter indicating that they want to insure their unit somewhere else.

Usually if you do not submit a policy from other insurers on or before the expiry date, they will insure it automatically with their chosen insurer. I think thats mainly the gist of the "automatic renewal agreement". unless it is specifically worded in such a way that you are liable if you do not renew with them, then try to get some quotes from other insurers and show it to them so that you can haggle down the price.

Technically kung ang car mo under loan sa bank, hindi pa ikaw ang owner nyan it is still owned by the bank.

The bank will have to protect itself from losses in the event meron mangyari sa car na hindi mo pa naman fully paid.