Innova Comprehensive Insurance

**Mile2** · December 4th, 2009 02:41 PM

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

Total premium + taxes = P15,175

**ajOT** · December 5th, 2009 07:24 AM

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** · December 7th, 2009 06:58 PM

Originally Posted by 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...

With Acts of God (AOG)?

**liv** · December 7th, 2009 08:02 PM

Originally Posted by 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...

medyo mataas yan for a 2005 model.

**Dagzi** · December 8th, 2009 12:14 AM

Originally Posted by liv

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...

**ajOT** · December 8th, 2009 11:53 PM

Originally Posted by liv

medyo mataas yan for a 2005 model.

technically Liv, this is the cheapest and good coverage of Insurance I got for the 2005 Innova J...

**JERBUM** · March 10th, 2010 05:00 PM

Totoo po ba na hindi na free ang acts of God coverage ngayon? I received a quotation from an inhouse insurance company and they told me that they have implemented an additional premium on the acts of God effective October 1, 2009. In my case, this is equivalent to 0.5% of the total sum insured or P3.6K. Ang laki nito. My naka experience na din po ba nito?

**paeng-eng** · July 10th, 2010 03:14 AM

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

**liv** · September 7th, 2010 07:09 PM

Originally Posted by JERBUM

Totoo po ba na hindi na free ang acts of God coverage ngayon? I received a quotation from an inhouse insurance company and they told me that they have implemented an additional premium on the acts of God effective October 1, 2009. In my case, this is equivalent to 0.5% of the total sum insured or P3.6K. Ang laki nito. My naka experience na din po ba nito?

hindi na po free ang Acts of God... i myself was charged when i renewed my policy last May... marami po kasing insurance companies ang nalugi gawa ng Ondoy.

**Ason** · September 8th, 2010 09:10 PM

Originally Posted by liv

hindi na po free ang Acts of God... i myself was charged when i renewed my policy last May... marami po kasing insurance companies ang nalugi gawa ng Ondoy.

Yes, totoo yan maraming nagkamaling gawing libre ang AOG before at ngayon lang na-realize kaya naman sinasamantala ang mataas na premium dahil alam nilang maraming pinoy mag-avail AOG for peace of mind.

Mam Liv ask ko lang po magkano inabot compre insurance nyo this time. I believe same model po tayo, 2007 J Gas MT. Due for renewal na rin po kase ako next month. For comparison lang para makatawag sa Toyota Otis if ever. Standard Ins. pa rin po ba kayo? Thanks!