Comprehensive or TPL

[lolidus]

i have a 1 year old mazda 3..the dealer wants me to have it insured again for a comprehensive insurance which is 28k i think. is it possible to have it insured on a TPL only or i have to insured it comprehensive because the dealer told me that it should be comprehensive because the car is loaned in bank ? pls advise me if its true?Thanks in advance

[lui]

i have a 1 year old mazda 3..the dealer wants me to have it insured again for a comprehensive insurance which is 28k i think. is it possible to have it insured on a TPL only or i have to insured it comprehensive because the dealer told me that it should be comprehensive because the car is loaned in bank ? pls advise me if its true?Thanks in advance

sobrang mahal naman nung insurance nayan sir. its tru kailangan i renew yung comprehensive kasi naka loan pa. kung d nyo po ire renew yan ang bangko na po ang automatic na mag i insured nyan. syempre i cha charge po nila kau

[Lucius]

Every year naman bro magbabayad ka ng insurance. Pero bumababa ang price. Sali ka naman sa clubmazda3-6 thread dito sa tsikot. GH mo ba nakuha unit mo?

[silhouette]

It will also be your loss just in case something happens to the ride if it is only on TPL.

[pup2]

Why not shop around? Pero from my experience, it pays to insure with someone na madaling kausap at matatag. Kami may agent kasi siya nagfa follow up kung matagal magbayad -- siya na din pumipili ng provider kasi kabisado na niya kung sinong madali kausap at kung sinong hindi.

[lolidus]

ok..thanks mga bro , yeah i guess i have to insured it comprehensive. pup2 sir baka pede p PM ng details na pede kunan ng murang comprehensive insurance? to sir loui ako ung ngtxt sayo from australia remember the outlander or the sta fe unit im planning to buy saka sir baka pede din u can help me regarding the insurance na makakamura?

[1D4LV]

for a one year old car, i think having it insured comprehensively is worth it.
what i would just suggest, that if your car is financed outside of the casa is that you shop around for more better rates.

pero kung in-house casa financing yan o kaya bank financing, normally you have to get your insurance from their accredited insurance companies. wala kang choice, kasi nakatali ka pa sa kanila.

[aizen]

have it comprehensively insured .. wala magagawa ang TPL kapag nag karoon ng accidente .. and yup kailangan talaga naka insured since naka loan sa bank

[Linkk]

no choice ka sir kailangan mo ng comprehensive insurance kase naka loan pa yan sa bank, pero worth it talaga kumuha sa dami ng carnapping at carjacking dito sa pinas. lalo na at bago at pogi pa ng car mo.

[mommyblue]

comprehensive.. mag-canvass ka muna baka makahanap ka pa mas mura pero madali din kausap at mabilis maglakad..

[bankai]

alam ko the comprehensive and TPL is partners, pero pwedeng wala kang comprehensive insurance, pero ang TPL lagi meron



required na talaga ngayun ang naka insured ang tsikot pag naka financing ka, para in case ma carnap/carjack yung tsikot, para meron ka pa makukunan ng ibabayad sa bangko, ako pinadalhan na ng letter ng bank na mag expire na daw yung insurance ko in two months time

[shadow]

tama silang lahat, you don't have a choice, whether you like it or not since naka-loan pa sa bank yun car mo....

[D15B]

dapat din accredited ng bank ang kukunan mo ng comprehensive insurance.just ask the bank muna kung accredited ba if ever you'll scout a cheaper comprehensive insurance policy kasi baka di nila tanggapin.

[hominid]

Eto pala ang tanong ko...

D b ang TPL na binayaran sa unang taon good for 3 yrs na? Kasi alam ko lahat ng sasakyan to be reg sa LTO dapat me TPL. Since 3 yrs na LTO naun, ganun din ba TPL?

So kung 2nd yr mo, dapat walang ng TPL dun. So definitely mas mababa bukod pa sa depreciation ng sasakyan.

Tama po ba? Im due to renew by the end of Oct.

Salamat

[lui]

Eto pala ang tanong ko...

D b ang TPL na binayaran sa unang taon good for 3 yrs na? Kasi alam ko lahat ng sasakyan to be reg sa LTO dapat me TPL. Since 3 yrs na LTO naun, ganun din ba TPL?

So kung 2nd yr mo, dapat walang ng TPL dun. So definitely mas mababa bukod pa sa depreciation ng sasakyan.

Tama po ba? Im due to renew by the end of Oct.

Salamat

yes tama po ito

[McLeor]

lolidus,

I had the same problem with the in-house recently lang, mahal masyado, but I was able to get an insurance cheaper and with packages on top of the ordinary stuffs (towing, hotels kapag nasiraan ka , etc, di ko sure what else). If you want, I can PM you the contact person and name of insurance.

[pup2]

Basically, the car isn't considered fully 'yours' until the loan is fully paid. That's why the creditor almost always insists on comprehensive coverage AND provides a list of accredited insurers (to make sure the insurer can and will pay). I suggest you get your hands on who their accredited insurers are then canvass/get an agent whose principal is accredited.

My agent's contact info is not with me right now and might take a while to get pero kung kailangan mo talaga, PM mo na lang ako ulit. Siya din kasi agent namin sa life and general eh.

[jaspi11]

i have a 1 year old mazda 3..the dealer wants me to have it insured again for a comprehensive insurance which is 28k i think. is it possible to have it insured on a TPL only or i have to insured it comprehensive because the dealer told me that it should be comprehensive because the car is loaned in bank ? pls advise me if its true?Thanks in advance

yung bank ata dapat ang mag required sa iyo na ipa compre mo yung car mo not the dealer...pero dapat nga na naka compre dahil di pa bayad in full yung car mo.

[romel asuit]

almost same scenario kami ni LOLIDUS..i have a one year old innova e d4d,last week me letter na natanggap family ko from toyota pasong tamo,insurance department na kailangan na raw magbayad ng insurance this coming oct.13 po ang deadline sa kanilang office which cost 19,730 pesos pero ang alam ko sa labas nakainsured oto ko{standard insurance corporarion}kinuha ko po ito by bank financing,in toyota alabang dahil me kakilala don agent ko,sabi ng agent ko kelangan na nga raw akong magbayad ng insurance before oct.13 cost 28,987.00? confusing!! kanino ho ba talaga ako dapat magbayad?kawawa family ko di nila alam gagawin.sa labas pa kami ng misis ngayon.. TIA.

[Memphis Raines]

I believe that it is more practical to get TPL after the 3rd year na.

Tell the bank to give you other insurance company options for lower rates because that 28k (or 2k a month per year) is a killer . Meron atang cut ang bank manager dyan .