Help: Ano magandang insurance company?

[April_Ryan]

hi all,

my car is an SUV. my insurance is up for renewal this march. i discovered that in order to lower the premium, some insurance agents categorize my car as a "commercial vehicle" instead of a private vehicle. but they insist that i still get the same protection. is this true?

[April_Ryan]

wildthing,

you got PM.

[boybi]

hi all,

my car is an SUV. my insurance is up for renewal this march. i discovered that in order to lower the premium, some insurance agents categorize my car as a "commercial vehicle" instead of a private vehicle. but they insist that i still get the same protection. is this true?

passenger cars have higher premiums but lower participation fee (0.5% of insured amount), while commercial vehicles have lower premiums but higher participation fee (1.0%).

[zechs]

kami ay nangangailangan ng bagong insurance..coz the insurance we have is switching to another base (from toyota otis --> somewhere in pasay) dati kasi we had our repairs done at toyota otis..ngayon lalayo na..and we have a car here due for some body repairs. mas maganda yung insurance na kahit saang auto-shop eh pwedeng i-honor..yung present na insurance kasi namin di pwede eh..

[boybi]

actually, dapat kahit saan shop mo gusto ipagawa ang car mo io-honor ng insurance. baka mas malaki lang ang kickback nung agent ng insurance mo dun sa particular na shop honored lang nila kuno.

[zechs]

baka nga. kaya magpapalit na kami sa next na rehistro namin. hassle kasi yung isang shop lang pwede..tapos malayo pa sa inyo.

[revoGSX]

ako kumukuha ako sa insurance broker.. Ayala Aon.. mapfre bigay nila.. once pa lang kami nag-claim at approve naman agad kahit wala kami kakilala.. sa toyota pasong tamo ginawa... pero di maganda yung paint job sa fender..

[mazdamazda]

kung toyota repair jobs, sa ortigas-shaw ninyo ipasok. they are tied up with a number of insurance providers (like prudentail guarantee, standard, etc).

[zechs]

have you guys heard of reliance insurance and philippine first? yan ang mga choices namin for next car insurance eh

[April_Ryan]

passenger cars have higher premiums but lower participation fee (0.5% of insured amount), while commercial vehicles have lower premiums but higher participation fee (1.0%).

kung private or passenger car naman ang sa akin, and the insurance company classifies it as "commercial" para lower ang premium, may problem ba yun? or ok lang?

[boybi]

ok lang, pero tataas ang participation fee mo. kung sa history ng sasakyan mo hindi ka naman madalas ma-accident or mag-claim sa insurance, ok lang.

[james00112233]

our vehicle is insured in malayan, kasi since nakaloan kami sa RCBC parang natrap kami sa malayan... ayaw nila pumayag na sa iba kami kumuha ng insurance...

Ganito ba talaga kapag may loan ka sa RCBC?....