Pls Suggest Car Insurance Companies

[Retz]

meron ba sa inyo na hindi kumukuha ng comprehensive insurance at TPL lang?

[_Qwerty_]

yung comprehensive pwedeng wala.. yung TPL required sa LTO pag mag re renew..

[shekyna]

mga sir baka may makabasa nito baka pedeng mag pa quote innova 2012 june ang due ko baka pedeng pm sa achuatak*ymail.com or text 09328884466

sir, san mo napa insure ang car mo? june din nag expire and insurance ko pero hindi ako nainform ng anak ko and even the insurer itself. tnx 4d help.

[shekyna]

mukhang ok yung huling freebies na binanggit mo..

sir anong insurance company yan. paki pm po..

[Retz]

FLT Prime Insurance! isang tawag lang dalhin na agad sa casa/accredited motor shop tsikot mo to follow na lang mga papeles.

[mark_t]

FLT Prime Insurance! isang tawag lang dalhin na agad sa casa/accredited motor shop tsikot mo to follow na lang mga papeles.

Ang maganda ay may dala ka na agad na camera phone and nasa email mo na mga documents.
(policy, drivers license, or.cr.)
Para pag may claim ka, pictures and accident statement form na lang ang idagdag mo sa email. Complete ka na bago ka pa makarating sa repair facility.

Basta important marami pictures. Pictures speaks a thousand words.

[striker2413]

mga boss,

can you recommend an insurance company na hindi humihingi ng additional 30% sa repairs done pag 3 years old pataas na yung insured vehicle? under Malayan kasi ang current car insurance ko. parang pointless ang comprehensive insurance pag ganito e.. hehe

thanks!

[rvdelara]

Sir, sa MAPFRE pag 3 years and below walang depreciation. Pag 4-5 years parang 20% ata on cost of replacement of parts.

mga boss,

can you recommend an insurance company na hindi humihingi ng additional 30% sa repairs done pag 3 years old pataas na yung insured vehicle? under Malayan kasi ang current car insurance ko. parang pointless ang comprehensive insurance pag ganito e.. hehe

thanks!

[striker2413]

Sir, sa MAPFRE pag 3 years and below walang depreciation. Pag 4-5 years parang 20% ata on cost of replacement of parts.

nataga ako sa puso nung nag claim ako ng insurance sa Malayan.. additional 30% of the total repair costs on top of my participation though, binayaran naman ng nakabangga sa akin. kung meron sanang insurance company na walang additional charges.. :|

actually mag li-limang tao na yung car ko this january 2014.

[derf8666]

nataga ako sa puso nung nag claim ako ng insurance sa Malayan.. additional 30% of the total repair costs on top of my participation though, binayaran naman ng nakabangga sa akin. kung meron sanang insurance company na walang additional charges.. :|

actually mag li-limang tao na yung car ko this january 2014.

Please clarify if it is indeed 30% of total repair cost or 30% of the cost of parts only, which is the SOP. Mali siya if it is based on the total repair cost. Labor and materials (paint, etc) are not included in the depreciation computation Depreciation and deductible are standards in our insurance industry. Deductible is fixed per accident while the percentage of depreciation depends on the age of the vehicle starting on the fourth year. The main reason for taking an insurance coverage is to protect you from catastrophic losses, that is big losses that can hurt you financially. Additional na lang yung mga minor claims.

[Battlestar]

Ang maganda ay may dala ka na agad na camera phone and nasa email mo na mga documents.
(policy, drivers license, or.cr.)
Para pag may claim ka, pictures and accident statement form na lang ang idagdag mo sa email. Complete ka na bago ka pa makarating sa repair facility.

Basta important marami pictures. Pictures speaks a thousand words.

Magandang tip eto ah. Kaso parang iniexpect mo naman na meron hinde magandang mangyare sa kotse mo

[Retz]

mga boss,

can you recommend an insurance company na hindi humihingi ng additional 30% sa repairs done pag 3 years old pataas na yung insured vehicle? under Malayan kasi ang current car insurance ko. parang pointless ang comprehensive insurance pag ganito e.. hehe

thanks!

Sir ganon din sa ibang insurance company. I think that is the standard depreciation cost of materials.

[rvdelara]

Standard po sa lahat ng insurance company ung depreciation for replacement parts. Pero samin po kasi sir pag hndi fault ng insured i-waive ng company namin ung deductible and depreciation sa third party and we have people na mkkpg coordinate sa bumanga, para mas less hassle na din sa insured.

nataga ako sa puso nung nag claim ako ng insurance sa Malayan.. additional 30% of the total repair costs on top of my participation though, binayaran naman ng nakabangga sa akin. kung meron sanang insurance company na walang additional charges.. :|

actually mag li-limang tao na yung car ko this january 2014.

[striker2413]

sir rvdelara and sir Retz

ah.. that clarifies it... so standard pala talaga yun.

sir derf8666

I forgot na e, but I think parts lang yata yun..

sir rvdelara

ygpm

[Retz]

Standard po sa lahat ng insurance company ung depreciation for replacement parts. Pero samin po kasi sir pag hndi fault ng insured i-waive ng company namin ung deductible and depreciation sa third party and we have people na mkkpg coordinate sa bumanga, para mas less hassle na din sa insured.

Waive ang depreciation cost of materials? Saan insurance company ka sir?

[ero124]

Need ur advise mga guru. My innova free comprehensive insurance will expire on dec. First time kong magrenew ng insurance (mahal pala) hehe. Commonwealth po ung insurance ko from toyota bicutan na free last year nung kinuha ko ung unit, and eto po ung qoute nila sakin ngyn.
SUM INSURED ------------------------- PREMIUM
Own damage and theft 835,550.00 ---- 10,862.15
Excess bodily injury 100,000.00 --- 345.00
Property damage 100,000.00 --- 1,170.00
Auto personal accident 250,000.00 --- 547.50
(5 pass. at 50k each)
AOG 835,550.00 --- 4,177.75

TOTAL PREMIUM 17,102.40
Doc. Stamps 2,137.80
Vat 2,052.29
LGT 34.20

TOTAL PAYABLE IN 6 MONTHS IS 21,326.69

Ok lng ba to mga guru? Wala ko maciado idea pag dating sa mga ganito eh. Meron pa pla worth 3000 na deductible, di ko alam kung anu un, parang sa pagkakaintindi ko ay un ang sinasabi nila n fixed participation fee. Pede b ko canvass sa iba na di from toyota bicutan? Highly appreciate ur advise. TIA

[_Qwerty_]

medyo mahal yan sir.. tsaka mababa yung EBI, PD at APA.. shop ka pa sa iba.. then compare.. wag ka sa toyota mag shop.. don mismo sa mga insurance..

Need ur advise mga guru. My innova free comprehensive insurance will expire on dec. First time kong magrenew ng insurance (mahal pala) hehe. Commonwealth po ung insurance ko from toyota bicutan na free last year nung kinuha ko ung unit, and eto po ung qoute nila sakin ngyn.
SUM INSURED ------------------------- PREMIUM
Own damage and theft 835,550.00 ---- 10,862.15
Excess bodily injury 100,000.00 --- 345.00
Property damage 100,000.00 --- 1,170.00
Auto personal accident 250,000.00 --- 547.50
(5 pass. at 50k each)
AOG 835,550.00 --- 4,177.75

TOTAL PREMIUM 17,102.40
Doc. Stamps 2,137.80
Vat 2,052.29
LGT 34.20

TOTAL PAYABLE IN 6 MONTHS IS 21,326.69

Ok lng ba to mga guru? Wala ko maciado idea pag dating sa mga ganito eh. Meron pa pla worth 3000 na deductible, di ko alam kung anu un, parang sa pagkakaintindi ko ay un ang sinasabi nila n fixed participation fee. Pede b ko canvass sa iba na di from toyota bicutan? Highly appreciate ur advise. TIA

[Lew_Alcindor]

medyo mahal yan sir.. tsaka mababa yung EBI, PD at APA.. shop ka pa sa iba.. then compare.. wag ka sa toyota mag shop.. don mismo sa mga insurance..

boss ito kaya ok? yung Prudential (BDO) yung balak namin kunin
(sorry for cross posting kasi ala reply dun sa thread ko)


Prudential (BDO Insurance Brokers): Total Premium - Php19,258.67
Coverage: Php990K
Own Damage Theft: Php990
VTPL/Bodily Injury: Php300
VTPL/Property Damage: Php300K
Auto PA (Php75K/pax) :Free
Acts of God: Covered
TPL: Not covered

Fortune General: Total Premiun - Php27,982.97

Own Damage Theft: Php990
VTPL/Bodily Injury: Php200
VTPL/Property Damage: Php200K
Auto PA (Php75K/pax) :Php510
Acts of Nature: Ph990K
TPL: Not covered



Planters Bank: Total Premium - PHP 24,503.80

OWN DAMAGE/THEFT 990,000.00
PROPERTY DAMAGE 200,000.00
BODILY INJURY 200,000.00
ACTS OF NATURE 990,000.00
DEDUCTIBLE: 3,000.00

[_Qwerty_]

mas ok yang Prudential.. pero mataas pa din yan.. ask ka pa sa iba.. then tanong mo din magkano participation.. baka mura nga premium tatagain ka naman sa participation/deductible..

boss ito kaya ok? yung Prudential (BDO) yung balak namin kunin
(sorry for cross posting kasi ala reply dun sa thread ko)


Prudential (BDO Insurance Brokers): Total Premium - Php19,258.67
Coverage: Php990K
Own Damage Theft: Php990
VTPL/Bodily Injury: Php300
VTPL/Property Damage: Php300K
Auto PA (Php75K/pax) :Free
Acts of God: Covered
TPL: Not covered

Fortune General: Total Premiun - Php27,982.97

Own Damage Theft: Php990
VTPL/Bodily Injury: Php200
VTPL/Property Damage: Php200K
Auto PA (Php75K/pax) :Php510
Acts of Nature: Ph990K
TPL: Not covered



Planters Bank: Total Premium - PHP 24,503.80

OWN DAMAGE/THEFT 990,000.00
PROPERTY DAMAGE 200,000.00
BODILY INJURY 200,000.00
ACTS OF NATURE 990,000.00
DEDUCTIBLE: 3,000.00

[Retz]

Need ur advise mga guru. My innova free comprehensive insurance will expire on dec. First time kong magrenew ng insurance (mahal pala) hehe. Commonwealth po ung insurance ko from toyota bicutan na free last year nung kinuha ko ung unit, and eto po ung qoute nila sakin ngyn.
SUM INSURED ------------------------- PREMIUM
Own damage and theft 835,550.00 ---- 10,862.15
Excess bodily injury 100,000.00 --- 345.00
Property damage 100,000.00 --- 1,170.00
Auto personal accident 250,000.00 --- 547.50
(5 pass. at 50k each)
AOG 835,550.00 --- 4,177.75

TOTAL PREMIUM 17,102.40
Doc. Stamps 2,137.80
Vat 2,052.29
LGT 34.20

TOTAL PAYABLE IN 6 MONTHS IS 21,326.69

Ok lng ba to mga guru? Wala ko maciado idea pag dating sa mga ganito eh. Meron pa pla worth 3000 na deductible, di ko alam kung anu un, parang sa pagkakaintindi ko ay un ang sinasabi nila n fixed participation fee. Pede b ko canvass sa iba na di from toyota bicutan? Highly appreciate ur advise. TIA

reasonable price na yan sir sabihin mo lang na isama na ung ctpl dyan sa premium price mo.