Innova Comprehensive Insurance

**liv** · July 15th, 2008 12:44 AM

mga ka-Innova...

since me mga nagtatanong po tungkol sa insurance na nakuha ko... i've decided to make a separate thread for this for easy reference... eto po breakdown.

Standard Insurance Tyt Otis

2007 Toyota Innova J Vvti M/t.

Coverage Premium

Own Damage/Theft 773,700.00 9,689.05

Bodily Injury 300,000.00 440.00

Property Damage 300,000.00 990.00

Personal Accident 8 pax *25K* 200,000.00 FREE

Total Premium 11,119.05
Premium Tax/E Vat 1,334.29
Doc. Stamps 1,389.88
Local Gov't. Tax 16.78

Total Amount Due 13,860.00

Deductible 3,000.00

Inclusive of the ff. accessories worth 87K

Mags/Tires 45K
In Car Entertainment 29K
Alarm/central locks 7K
Fog Lamps 6K

with Free Acts of God, roadside assistance service, PA 25K/person & worldwide PA 100K

contact person sa Tyt Otis Mona 5640427

**liv** · July 22nd, 2008 03:39 PM

dito po natin ipost lahat ng me kinalaman sa ating mga insurance para for easy reference ng mga ka-Innova natin.

**ankolmar** · August 7th, 2008 10:33 AM

Got a quotation from Toyota Pasong Tamo (Commonwealth Ins.) for my Innova J VVTI - 2006

Own Damage 610,000.00 Php 11,027.40
Bodily Injury 500,000.00 570.00
Property Damage 500,000.00 1,120.00
Auto PA 10pax 500,000.00 500.00

Total Premium Php 13,217.40
Docs Stamp 1,652.18
E-VAT 1,586.09
Local Govt. Tax 98.17

Total Amount Php 16,553.84

Payment option: 6 months to pay: 1 down, 5 PDC

Include Accessories: Front Nudge geat, Spoiler, step board, fog lamps, alarm, Rear step board, rail and rack

**liv** · August 7th, 2008 05:39 PM

Originally Posted by ankolmar

Got a quotation from Toyota Pasong Tamo (Commonwealth Ins.) for my Innova J VVTI - 2006

Own Damage 610,000.00 Php 11,027.40
Bodily Injury 500,000.00 570.00
Property Damage 500,000.00 1,120.00
Auto PA 10pax 500,000.00 500.00

Total Premium Php 13,217.40
Docs Stamp 1,652.18
E-VAT 1,586.09
Local Govt. Tax 98.17

Total Amount Php 16,553.84

Payment option: 6 months to pay: 1 down, 5 PDC

Include Accessories: Front Nudge geat, Spoiler, step board, fog lamps, alarm, Rear step board, rail and rack

bakit parang ang taas pa rin?

6 months to pay din ung sakin... dapat nasa mga 13K+ na lang yan ah.

**liv** · October 29th, 2008 12:15 AM

Originally Posted by timo07

Ms. Liv, ito yung quote ng Toyota Marikina:
2007 E DSL M/T

Own Damage / Theft 820K
Bodily Injury 100K
Property Damage 100K
Personal Accident 100K
for 4 Pass. + 1 Driver

Total Premium with all taxes at 16K with Participation of 4.1K.

I got proposals from MAPFRE and UCPBGen with Lower Own Damage/Theft coverage but higher premium and participation. It would appear that the Tyt MArikina quote is okay! Thanks in advance for any opinion but I may have to go with Marikina na, pero I still have until Nov. 9 to decide.

pwede pa pong itaas yung coverage sa BI, PD, at PA... me FREE Acts of God na rin ba? pwede mo pa ring ihaggle na mababaan yung participation mo sa 3K... try calling Tyt Otis at 5640427 and look for Mona.

**JERBUM** · February 22nd, 2009 04:22 PM

This is a compre insurance quotation from Tyt shaw for my 2008 Innova G Gas M/T. P3,000 claims participation. No added accessories. Any other better quotation? Would like to hear your comments guys. Thanks so much.

**montcp** · February 26th, 2009 03:53 AM

ok kaya tong quotation na to??

Own Damage/Theft 730,000.00
VTPL - Body injury 200,000.00
VTPL-Property Damage 200,000.00
Auto Personal Accident 110,000.00

Net Premium 12,396.00
VAT 1,487.40
Doc. Stamp Tax 1,549.38
Local Govt Tax 18.50
Total Premium 15,480.37
___________

DEDUCTIBLE for OD/Theft Claim 7,300.00

*AUPA - for five passengers including the driver
Accidental Death & Disablement (AD&D) - Php 20,000.00 each
Medical Reimbursement (MER) - Php 2,000.00

KALAKBAY
Emergency Towing Assistance, Minor On-site Repair Assistance, Vehicle
Removal, Alternative travel assistance, Hotel Accomodation Assistance,

**liv** · February 26th, 2009 06:09 PM

Originally Posted by JERBUM

This is a compre insurance quotation from Tyt shaw for my 2008 Innova G Gas M/T. P3,000 claims participation. No added accessories. Any other better quotation? Would like to hear your comments guys. Thanks so much.

if you can negotiate for the Bodily Injury, Property Damage to still go up to let's say P300,000.00... as for Personal Accident, mine came FREE.

**liv** · February 26th, 2009 06:14 PM

Originally Posted by montcp

ok kaya tong quotation na to??

Own Damage/Theft 730,000.00
VTPL - Body injury 200,000.00
VTPL-Property Damage 200,000.00
Auto Personal Accident 110,000.00

Net Premium 12,396.00
VAT 1,487.40
Doc. Stamp Tax 1,549.38
Local Govt Tax 18.50
Total Premium 15,480.37
___________

DEDUCTIBLE for OD/Theft Claim 7,300.00

*AUPA - for five passengers including the driver
Accidental Death & Disablement (AD&D) - Php 20,000.00 each
Medical Reimbursement (MER) - Php 2,000.00

KALAKBAY
Emergency Towing Assistance, Minor On-site Repair Assistance, Vehicle
Removal, Alternative travel assistance, Hotel Accomodation Assistance,

paki specify po kung anong year, model ng Innova nyo.

**montcp** · February 27th, 2009 05:13 AM

Originally Posted by liv

paki specify po kung anong year, model ng Innova nyo.

Ay onga pla..

Innova J D4D po 2008 model.. thanks!

**JERBUM** · March 2nd, 2009 10:52 AM

Thanks. Will try to haggle for the 300k property damage and bodily injury. Hindi po ba parang mataas ang premium ko sa own damage/theft? P13,736 ang premium, amount insured is only P808,000?

**Arlites** · April 2nd, 2009 01:59 PM

Ma'am Liv, kumusta na po?

Mageexpire na yong insurance ng Innova namin, madami daw tumatawag sa bahay kaso ayaw naman daw magbigay ng qoute. Stronghold yong dati, gusto ko sanang kumuha ng iba. Pwede bang magpaqoute sa Toyota Otis? sa TCA ko kinuha yong unit namin eh.

2008 Innova G MT

**liv** · April 7th, 2009 04:37 PM

Originally Posted by Arlites

Ma'am Liv, kumusta na po?

Mageexpire na yong insurance ng Innova namin, madami daw tumatawag sa bahay kaso ayaw naman daw magbigay ng qoute. Stronghold yong dati, gusto ko sanang kumuha ng iba. Pwede bang magpaqoute sa Toyota Otis? sa TCA ko kinuha yong unit namin eh.

2008 Innova G MT

pwede po kumuha kahit saang casa... kindly look for Mona sa Tyt Otis.

**liv** · May 14th, 2009 06:56 PM

here is my renewal for my 2007 Innova J Vvt-i/Mt.

Standard Insurance

Coverage Amount
Own Damage & Theft P696,000.00 P8,700.00
Bodily Injury 300,000.00 440.00
Property Damage 300,000.00 990.00
Personal Accident 25K each FREE

VAT 1,266.25
Documentary Stamp 1,215.60
Loc. Government Tax 15.20

TOTAL PREMIUM P12,627.05

DEDUCTIBLE P3,000.00

Inclusive of the ff. accessories worth 87K

Mags/Tires 45K
In Car Entertainment 29K
Alarm/central locks 7K
Fog Lamps 6K

with Free Acts of God, Roadside Assistance Program, worldwide PA 100K

6 months to pay, Free umbrella

**kasdrihc** · May 17th, 2009 09:57 AM

liv,

expired na rin insurance ko...patawagan ko na lang sa bro-in-law ko si mona. musta na.

**liv** · May 20th, 2009 04:29 PM

Originally Posted by kasdrihc

liv,

expired na rin insurance ko...patawagan ko na lang sa bro-in-law ko si mona. musta na.

ok bro... pasabi mo na lang na nirefer kita... na advised ko na si Mona.

**maski** · July 10th, 2009 05:58 AM

wow sayang, mukhang mas maganda offer sa you liv from toyota otis. Yung sa phil charter ksi .5%, medyo may kamahalan participation fee ko at almost 4K although 14.3K lahat binayaran ko at mababa yung mga claims 100K lng. Next year try ko standard. Salamat sa info like this.

**liv** · July 10th, 2009 05:40 PM

Originally Posted by maski

wow sayang, mukhang mas maganda offer sa you liv from toyota otis. Yung sa phil charter ksi .5%, medyo may kamahalan participation fee ko at almost 4K although 14.3K lahat binayaran ko at mababa yung mga claims 100K lng. Next year try ko standard. Salamat sa info like this.

sa Tyt Otis ko kasi kinuha unit ko kaya mababa bigay nila sa akin... nakapag refer na rin ako ng ilang Innova Club members sa kanila... so far, very much satisfied naman mga ka-Innova.

**Dagzi** · December 3rd, 2009 08:43 PM

sir, may narecieved po akong quotation na premium comprehensive car insurance sa CGIC, Sn. Fernando Pampanga. Last premium ko po sa kanila ay 18K total. Model po ng car ko ay Innova 2.0G VVTI m/t dec.2007.

Own Damage/Theft 750,000.00
VTPL - Body injury 200,000.00
VTPL-Property Damage 200,000.00

Net Premium 13,638.19
VAT 1,636.58
Doc. Stamp Tax 1,704.77
Local Govt Tax 20.46
Total Premium 17,000.00

Deductible; 7,500.00

sir, fair po ba ito since previouly 18K ang binayaran ko at ngayon ay 17K pa rin at ano po ibig sabihin nun deductible 7,500??

**liv** · December 4th, 2009 12:39 PM

Originally Posted by Dagzi

sir, may narecieved po akong quotation na premium comprehensive car insurance sa CGIC, Sn. Fernando Pampanga. Last premium ko po sa kanila ay 18K total. Model po ng car ko ay Innova 2.0G VVTI m/t dec.2007.

Own Damage/Theft 750,000.00
VTPL - Body injury 200,000.00
VTPL-Property Damage 200,000.00

Net Premium 13,638.19
VAT 1,636.58
Doc. Stamp Tax 1,704.77
Local Govt Tax 20.46
Total Premium 17,000.00

Deductible; 7,500.00

sir, fair po ba ito since previouly 18K ang binayaran ko at ngayon ay 17K pa rin at ano po ibig sabihin nun deductible 7,500??

17K is fair enough... though mataas ang deductible mo... other term for this is participation fee... ito po ang babayaran nyo in case mag claim kayo sa insurance... dapat po ay nasa 3K lang yan.

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Innova Comprehensive Insurance

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