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  1. Join Date
    May 2014
    Posts
    14,700
    #1
    yun nga bro eh, parang nadulas lang yun kausap ko sa bpi nung nabanggit nya yan, kasi humihingi ako ng paliwanag kung bakit nga walang policy. eh di ba ayaw nga ng banks ilabas ang auto sa dealership ng walang insurance pag naka loan ang auto.

  2. Join Date
    Mar 2015
    Posts
    991
    #2
    May arrangement na kasi mga in house na loans sa banks at insurance. Kaya lang nakakatakot yan kasi pwedeng ideny yun claim. Yan kasi sakit nang mga nagbabaksak nang presyo naghahanap paraan makatipid d gagawa nang policy kung walang claim in case wala nga e d libre na rin sila sa pagbabayad nang fee sa government. Remember most of the insurance co.na nagbabagsak na rate is unstable. In the end pag tinamaan sila nang madaming malalaking claim magdedeclare sila bankrupt na sila. Dami na case ganyan dito sa atin. Observe nyo lang kung mabilis yun release nang unit nyo at approval sa claim. Kung walang problema dapat mabilis lang yan sir.

  3. Join Date
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    #3
    Quote Originally Posted by SkyFlakes88 View Post
    May arrangement na kasi mga in house na loans sa banks at insurance. Kaya lang nakakatakot yan kasi pwedeng ideny yun claim. Yan kasi sakit nang mga nagbabaksak nang presyo naghahanap paraan makatipid d gagawa nang policy kung walang claim in case wala nga e d libre na rin sila sa pagbabayad nang fee sa government. Remember most of the insurance co.na nagbabagsak na rate is unstable. In the end pag tinamaan sila nang madaming malalaking claim magdedeclare sila bankrupt na sila. Dami na case ganyan dito sa atin. Observe nyo lang kung mabilis yun release nang unit nyo at approval sa claim. Kung walang problema dapat mabilis lang yan sir.
    now this is scary bro, di ko kasi alam kung naka tie up sa bank yung insurance ko

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    Quote Originally Posted by SkyFlakes88 View Post
    May arrangement na kasi mga in house na loans sa banks at insurance. Kaya lang nakakatakot yan kasi pwedeng ideny yun claim. Yan kasi sakit nang mga nagbabaksak nang presyo naghahanap paraan makatipid d gagawa nang policy kung walang claim in case wala nga e d libre na rin sila sa pagbabayad nang fee sa government. Remember most of the insurance co.na nagbabagsak na rate is unstable. In the end pag tinamaan sila nang madaming malalaking claim magdedeclare sila bankrupt na sila. Dami na case ganyan dito sa atin. Observe nyo lang kung mabilis yun release nang unit nyo at approval sa claim. Kung walang problema dapat mabilis lang yan sir.
    now this is scary bro, di ko kasi alam kung naka tie up sa bank yung insurance ko

  4. Join Date
    Mar 2015
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    991
    #4
    Naka tie up sila sir. Kaya nga po free sir. Yun insurance co. na ina ahente nang wife ko at brother never nakipag tie up sa mga banks at car dealership.[emoji4]

  5. Join Date
    May 2014
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    #5
    bad news, gusto ko pa naman ilipat ng mapfre ito next year.
    Quote Originally Posted by SkyFlakes88 View Post
    Naka tie up sila sir. Kaya nga po free sir. Yun insurance co. na ina ahente nang wife ko at brother never nakipag tie up sa mga banks at car dealership.[emoji4]
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    bad news, gusto ko pa naman ilipat ng mapfre ito next year.
    Quote Originally Posted by SkyFlakes88 View Post
    Naka tie up sila sir. Kaya nga po free sir. Yun insurance co. na ina ahente nang wife ko at brother never nakipag tie up sa mga banks at car dealership.[emoji4]

  6. Join Date
    Mar 2015
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    991
    #6
    Sir ninjababez, d po mapfre yun insurance co. namin. Pero our insurer is accredited sa lahat nang major banks we just don't tie up with them sa packages nila sa mga loans.

    If you plan on changing your insurer just make sure na d po kayo naka lock in sa insurance sa duration nang loan nyo.

  7. Join Date
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    #7
    Quote Originally Posted by SkyFlakes88 View Post
    Sir ninjababez, d po mapfre yun insurance co. namin. Pero our insurer is accredited sa lahat nang major banks we just don't tie up with them sa packages nila sa mga loans.

    If you plan on changing your insurer just make sure na d po kayo naka lock in sa insurance sa duration nang loan nyo.
    honestly im afraid to ask the bank kasi baka sagutin nila ng OO

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    Quote Originally Posted by SkyFlakes88 View Post
    Sir ninjababez, d po mapfre yun insurance co. namin. Pero our insurer is accredited sa lahat nang major banks we just don't tie up with them sa packages nila sa mga loans.

    If you plan on changing your insurer just make sure na d po kayo naka lock in sa insurance sa duration nang loan nyo.
    honestly im afraid to ask the bank kasi baka sagutin nila ng OO

  8. Join Date
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    #8
    xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
    Last edited by ninjababez; April 25th, 2015 at 09:58 PM. Reason: xxxxxxxxxxxxx

  9. Join Date
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    #9
    Quote Originally Posted by SkyFlakes88 View Post
    Sir ninjababez, d po mapfre yun insurance co. namin. Pero our insurer is accredited sa lahat nang major banks we just don't tie up with them sa packages nila sa mga loans.

    If you plan on changing your insurer just make sure na d po kayo naka lock in sa insurance sa duration nang loan nyo.
    honestly im afraid to ask the bank kasi baka sagutin nila ng OO
    pero bro, pano ko malalaman kung ganun nga sya?

  10. Join Date
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    #10
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    Quote Originally Posted by ninjababez View Post
    honestly im afraid to ask the bank kasi baka sagutin nila ng OO
    pero bro, pano ko malalaman kung ganun nga sya?
    then ask dishonestly! heh heh.
    what do you have to lose?
    it IS your money...

  11. Join Date
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    #11
    Quote Originally Posted by dr. d View Post
    then ask dishonestly! heh heh.
    what do you have to lose?
    it IS your money...
    oh well, bpi ms naman daw is OK lang na insurance. ang ayaw ko yun tsismis na naririnig ko na tumataas daw ang participation fee everytime may claim ka.

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    Quote Originally Posted by dr. d View Post
    then ask dishonestly! heh heh.
    what do you have to lose?
    it IS your money...
    oh well, bpi ms naman daw is OK lang na insurance. ang ayaw ko yun tsismis na naririnig ko na tumataas daw ang participation fee everytime may claim ka.

  12. Join Date
    Mar 2015
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    991
    #12
    You can ask your SA kung in house yun loan nyo sir. You can study your loan. It's your right to know po kesa at the mercy kayo nang bank nyo.

  13. Join Date
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    #13
    Quote Originally Posted by SkyFlakes88 View Post
    You can ask your SA kung in house yun loan nyo sir. You can study your loan. It's your right to know po kesa at the mercy kayo nang bank nyo.
    antayin ko yung replies nung mga na-refer ko sa suzuki thru bpi ms hehehe

  14. Join Date
    Oct 2014
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    117
    #14
    Hi sir ninjababez! sad to say sir naka lock in talaga kau sa bpi. Until now po ba wala pa rin po ba kau insurance policy? kamusta na po unit nila?

  15. Join Date
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    #15
    Quote Originally Posted by marytan888 View Post
    Hi sir ninjababez! sad to say sir naka lock in talaga kau sa bpi. Until now po ba wala pa rin po ba kau insurance policy? kamusta na po unit nila?
    sayang naman
    policy number lang bigay ng bpi eh
    re: soukie, ok naman; malapit na mag 7k hehehe

  16. Join Date
    Mar 2015
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    991
    #16
    Pag naka lock in kayo sir,sometimes up to 3yrs lang kahit na 5yrs yun loan nyo. Best to ask kung ano yun deal na nakuha nyo po.

  17. Join Date
    Nov 2014
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    1,269
    #17
    Quote Originally Posted by SkyFlakes88 View Post
    Pag naka lock in kayo sir,sometimes up to 3yrs lang kahit na 5yrs yun loan nyo. Best to ask kung ano yun deal na nakuha nyo po.

    Yup, this sounds about right Sa Metrobank ako, free insurance for the first year then naka-kontrata na yung second at third year with the same provider. May post-dated checks pa ko for the amounts of the next two years.

  18. Join Date
    Nov 2014
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    #18
    Quote Originally Posted by ninjababez View Post
    iirc sa suki shaw according to kai 8k para nasa key parin ng swift yung alarm button. cant remember kung 4 or 6k yun nakahiwalay yun alarm control sa key. pero if you want to gamble with your warranty, pwede sa labas 2-3k magandang klase na
    Yup, 8500 yung alarm na integrated sa key, then 5500 yung may hiwalay na remote yung alarm. I got the 5.5k one kasi ayoko rin galawin yung Suzuki key. Pero mas convenient talaga yung 8.5k.

  19. Join Date
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    #19
    Quote Originally Posted by kai s. View Post
    Yup, 8500 yung alarm na integrated sa key, then 5500 yung may hiwalay na remote yung alarm. I got the 5.5k one kasi ayoko rin galawin yung Suzuki key. Pero mas convenient talaga yung 8.5k.
    na curious tuloy ako kung paano nila integrate yung alarm sa key. hehehe

  20. Join Date
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    54,628
    #20
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    Quote Originally Posted by ninjababez View Post
    na curious tuloy ako kung paano nila integrate yung alarm sa key. hehehe
    is it possible that the key they give back to you, is not what you gave them earlier..?
    maybe they have blank keys with integrated remote fobs.. they just cut your key's teeth into it, and give it to you. then they destroy your old key.

    another possibility, is they transplant your key blade into a waiting empty remote fob. but i think this might be too much work.. dunno..

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2014 Suzuki swift 1.2