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Tsikoteer
- Join Date
- Jul 2011
- Posts
- 1,711
December 5th, 2012 05:43 AM #1Mga Sir,
RAV4 4x4 AT Model 2004 ODO73k
Last year lang po ako nagkaroon ng car, kaya pang 2nd na car insurance ko pa lang po ito, ask lang po ako ng assistance kung ung insurance premium po ba ay fair considering the coverage offered.
Current Insurance policy expiring in December 16, 2012
Own Damage/Theft = Php 585,000.00
Acts of God = Php 585,000.00
Excess Bodily Injury = Php 100,000.00
Property Damage = Php 100,000.00
Auto Passenger Accident (5 x Php 20,000.00 each) = Php 100,000.00
Deductible = Php 3,000.00
Total Premium = Php 22,422.70
Nag ask ako ng quote sa current insurer ko na Peoples General at sa Federal Phoenix for comparison, pero dikit lang ug total premium nila.
Peoples General:
Own Damage/Theft = Php 520,000.00
Acts of God = Php 520,000.00
Excess Bodily Injury = Php 100,000.00
Property Damage = Php 100,000.00
Auto Passenger Accident (5 x Php 20,000.00 each) = Php 100,000.00
Deductible = Php 3,000.00
Total Premium = Php 19,862.98
Federal Phoenix:
Own Damage/Theft = Php 727,000.00
Acts of God = Php 727,000.00
Third Party Bodily Injury = Php 100,000.00
Third Party Property Damage = Php 100,000.00
Auto Passenger Accident (5 x Php 10,000.00 each) = Php 50,000.00
Deductible = 1% of FMV, min. of Php 3,000.00
Total Premium = Php 20,001.88
Tama po ba ung insurance premium or dapat mas mababa pa? kung dapat mababa mga magkano po ba dapat?Last edited by Manilablock; December 5th, 2012 at 06:03 AM. Reason: added the model year
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Verified Tsikot Member
- Join Date
- Apr 2010
- Posts
- 235
December 8th, 2012 07:14 PM #2Sample computation from Charter based on the details above:
520,000.00 OD Theft 8,320.00
100,000.00 BI 180.00
100,000.00 PD 1,095.00
520,000.00 AOG 2,600.00
100,000.00 PA 250.00
DST 1,555.63
VAT 1,493.40
LGT 13.69
TOTAL 15,507.71
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Verified Tsikot Member
- Join Date
- May 2009
- Posts
- 93
December 10th, 2012 02:23 PM #3Talking thru experience I will go with Federal Phoenix. Mas madali silang kausap in times of claims.
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December 10th, 2012 02:26 PM #4
Try standard also.
With AOG ko sa Standard is 17k only per annum. That's for a brand new car.
And when I needed them nung nag-claim na ako, bilis nila. In 3 (or was that 4) working days tapos na yung car.
Be careful with channels like "China Observer" on YouTube. There is a clear bias in their posts and...
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