Innova Comprehensive Insurance

[liv]

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]

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

[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

[liv]

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]

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]

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.

[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

[liv]

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]

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]

liv,

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

[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??

[liv]

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.

[Mile2]

Sobrang taas naman ng deductibles yung sa akin sa PhilCharter P3250 lang. Innova G 2.0 din.

Total premium + taxes = P15,175

[ajOT]

this is what my comprehensive insurance covers:

Name of Insurance: Standard Insurance Co., Inc.

Own Damage/Theft - 600,000
BI - 200,000
PD - 200,000
Deductible - 3,000
Towing - 100
ARL - 3,100
Accessories: Aircon/Stereo/Mags

Total premium - 14,400

OK na ba itong insurance coverage ko? medyo mababa nga ang deductible ko kaso ang ARL and towing service ko napakababa din naman...

[boyT]

this is what my comprehensive insurance covers:

Name of Insurance: Standard Insurance Co., Inc.

Own Damage/Theft - 600,000
BI - 200,000
PD - 200,000
Deductible - 3,000
Towing - 100
ARL - 3,100
Accessories: Aircon/Stereo/Mags

Total premium - 14,400

OK na ba itong insurance coverage ko? medyo mababa nga ang deductible ko kaso ang ARL and towing service ko napakababa din naman...

With Acts of God (AOG)?

[liv]

this is what my comprehensive insurance covers:

Name of Insurance: Standard Insurance Co., Inc.

Own Damage/Theft - 600,000
BI - 200,000
PD - 200,000
Deductible - 3,000
Towing - 100
ARL - 3,100
Accessories: Aircon/Stereo/Mags

Total premium - 14,400

OK na ba itong insurance coverage ko? medyo mababa nga ang deductible ko kaso ang ARL and towing service ko napakababa din naman...

medyo mataas yan for a 2005 model.

[Dagzi]

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.

great help... many thanks po sir...

[paeng-eng]

my kumuha po b d2 ng innova sa toyota shaw blvd?

[jlaw888]

mga ka-Innova...

Inclusive of the ff. accessories worth 87K

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

excuse me for this very naive question, pero how does this work(yung acessories)? pag nasira isa sa mga yan(or even, all of them), one can claim ba sa insurance company for that amount mentioned? no questions asked ba kung magke-claim nito?

[liv]

excuse me for this very naive question, pero how does this work(yung acessories)? pag nasira isa sa mga yan(or even, all of them), one can claim ba sa insurance company for that amount mentioned? no questions asked ba kung magke-claim nito?

AFAIK, kung manakaw o masira siya due to accident... pwede i claim sa insurance... depende syempre sa Fair Market Value nung item.