Pls Suggest Car Insurance Companies

[mark03]

Hi guys, please quote me for the insurance renewal of my 2014 montero sport gls-v 2.5 at, will have it serviced at Diamond Motors Ugong Pasig/CitiMotors Pasong Tamo. Thanks!

[rvdelara]

Ok sir. Will send you asap. Thanks

[shembot]

Hello, pwede po ba magpa quote for compre w/ AON for Y2015 Fortuner 4x2 2.5 G diesel AT. Pls email to iamroanmd*yahoo.com. Thank you.

[pitperalta]

question to all, regarding deductible on brand new montero sport glx. standard po ba na 1% of sum insured ang deductible amount? Masyadong mabigat yung 1% (P12,180) na deductible. Ang montero po ba ay classified as private car or commercial vehicle? Kung private car sya, pwede pa bang bumaba yung deductible amount? Thanks in advance for your reply

[nhiecah_nice29]

question to all, regarding deductible on brand new montero sport glx. standard po ba na 1% of sum insured ang deductible amount? Masyadong mabigat yung 1% (P12,180) na deductible. Ang montero po ba ay classified as private car or commercial vehicle? Kung private car sya, pwede pa bang bumaba yung deductible amount? Thanks in advance for your reply

Hi Sir. I sent you a pm po. Thank you.

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question to all, regarding deductible on brand new montero sport glx. standard po ba na 1% of sum insured ang deductible amount? Masyadong mabigat yung 1% (P12,180) na deductible. Ang montero po ba ay classified as private car or commercial vehicle? Kung private car sya, pwede pa bang bumaba yung deductible amount? Thanks in advance for your reply

Hi Sir. I sent you a pm po. Thank you.

[derf8666]

question to all, regarding deductible on brand new montero sport glx. standard po ba na 1% of sum insured ang deductible amount? Masyadong mabigat yung 1% (P12,180) na deductible. Ang montero po ba ay classified as private car or commercial vehicle? Kung private car sya, pwede pa bang bumaba yung deductible amount? Thanks in advance for your reply

Just a little bit of history regarding the rates of SUVs. The case of the rate of SUV is an anomaly. This all started about 20 years ago with Toyota FX. Originally they were given a rate similar to Commercial Vehicles, which then had an average rate of 2.5% if my recollection is correct. At the time, PCs (sedans, light cars like Corolla, Lancer) had a rate of I think about 3%, even higher for heavy cars like Crown. As for the deductible, i dont remember when it was increased but I do remember it did raise a howl of protest for many clients. I think it could be mid 90s or early 90s. Deductible at the time was 500 flat for PC and 1,000 for CV. Nothing they could do though as insurers at the time were suffering from heavy losses due to widespread minor claims. However, flash forward to today and private cars whether light or heavy is now bundled together with an average rate of about 1.8% while CVs (light trucks) is about 2.5%, usually for approval. Whereas the rate of SUVs goes lower and lower until now it only has an average rate of about 1.3% and majority of insurers now even give it a deductible of just 0.5%. Rates right now are so competitive thats why many insurance companies are closing down.

Disclaimer: Rates above are just based on my memory with the insurance company I was with at the time. It could be different with other insurers.

[pitperalta]

Thanks sir derf for your explanation. Most of the big insurance companies that I talked to had 1% of sum insured as deductible, default na yata sa kanila na commercial vehicle ang montero kahit na gagamitin mo sya for private use. Upon negotiation & asking them to treat the vehicle as private car binabaan naman nila yung deductible. Pero yung iba, ayaw talaga babaan. Buti madami tayo pagpipilian. Sa mga maliliit n insurance companies na nakausap ko, maliit na premium, maliit pa din ang deductible. Kaya lang nakakatakot kumuha sa kanila ng insurance, baka during claim hindi mo n sila makontak.
Thanks to Nica from Mapfre, she gave me a good deal, a good premium & a reasonable deductible.

[neni0hk]

BPIMS yan no sir? Mataas nga sa BPIMS ang deductible. An Isuzu mu-X when insured with BPIMS has 10k+ deductible. while in Charter Ping An it is 6k+ or 0.05%

[pitperalta]

yes sir. bpims quote is 10k deductible, 0.75% of sum insured. pero mas mataas sa malayan, 12k (1%). sa mapfre din sa ibang branch nila 12k ang quote pero negotiable naman. For pioneer, charter ping-an, federal phoenix, 6k & below ang deductible nila. Pag in-house s dealer mura lng deductible pero mahal naman ang premium.

[shembot]

I got these quotes kaso sino mas ok sa claim? And ok ba si ichoose.ph as middle man in terms of claim? Worry ko baka mababa nga premium ko pero mangamote ako come claiming na. Help pls...

Prudential guarantee (via bank)
OD/theft with AON/riot/strike/civil commotion: 1,385,000
BI/PD: 300,000
UPPA: 525,000 (75k/pax)
Deductible: 2,000 (fixed) for each and evrry loss
Premium:28,547.57

Standard insurance (via ichoose.ph)
Same with prudential except UPPA is just 250k and premium of 29,005.22
With ambulance assistance

Both of them has 24x7 road assist, towing

[shembot]

I got our insurance from standard insurance company thru ichoose.ph.. hindi ba dapat me i sign muna kami docs for thr insurance policy before the insurance give the policy to the dealer?

[arkizx82]

Is it advisable to get insurance from iChoose.ph? They got lower rates than the insurance quoted by the insurance agents. Anyone who has an experience with ichoose? Are they reliable when it comes to claims?

[arkizx82]

Is it advisable to get insurance from iChoose.ph? They got lower rates than the insurance quoted by the insurance agents. Anyone who has an experience with ichoose? Are they reliable when it comes to claims?

[Roosterunner]

Greetings! I am also scouting for an insurance company and came across ichoose.ph. Their rates are very competitive but not sure if I should give them my hard earned money. Wala pa kasi akong narining, either good or bad na review about ichoose. Please share your experiences with them so we can make a wise decision.

[tahxcool]

Hello..ok po ba etong i surance na company na to? Meron ba dito eto car insurance nila?


Alpha insurance and surety company inc.

[Mask Rider Blac]

For GSIS members, you may try their Auto Shield Car Insurance. A car with P500K MV has a premium of only P9,508.00, excluding AOG.

[pastebooko]

Guys need your comments regarding BPI/MS FREE insurance. Nagdadalawang isip ako if kunin ko sya. Madali ba ma process dun? My Gf works kasi sa other insurance company which is sure na mapapabilis yung pag process if ever na kelanganin ko.

Kayo ano pipiliin nyo? Napapaisip ako dahil 17.5k if kukuwa ako sa labas. Sa BPI nag pa quote ako around 16k pababa na lang sa 2nd to 5th year.

Salamat!!!

[SkyFlakes88]

Guys need your comments regarding BPI/MS FREE insurance. Nagdadalawang isip ako if kunin ko sya. Madali ba ma process dun? My Gf works kasi sa other insurance company which is sure na mapapabilis yung pag process if ever na kelanganin ko.

Kayo ano pipiliin nyo? Napapaisip ako dahil 17.5k if kukuwa ako sa labas. Sa BPI nag pa quote ako around 16k pababa na lang sa 2nd to 5th year.

Salamat!!!

With the small margin of 1.5k i'd go with my Gf's insurance. I could sleep better[emoji4]

[pastebooko]

Sobrang hirap mag decide. Hahah. Free 1 year sa BPI so halos 18k ma titipid ko. [emoji24][emoji24]

Makakabili nako ng mags etc hahaha. Tomorrow na kasi ako mag sisign ng documents

[SkyFlakes88]

Sobrang hirap mag decide. Hahah. Free 1 year sa BPI so halos 18k ma titipid ko. [emoji24][emoji24]

Makakabili nako ng mags etc hahaha. Tomorrow na kasi ako mag sisign ng documents

Sir study the offers they have. When we were in that situation, we computed every detail of the offered deals. We found out that the "free" insurance is not actually free. You also get to be locked in sa insurance nila for the duration of your loan. Study the details carefully sir and you'll see what i mean. [emoji4]