Free Comprehensive Insurance for New Toyota Vios

[benny]

Hi sirs. Sorry if my concerns may have been addressed in other threads but I can't find any answers and I'm about to close a deal for a new Totoya Vios 1.5G AT for 745K through a bank loan.

I asked Toyota Batangas, Pasong Tamo, Makati and Alabang. Much as I hear so many horror stories about TAI (service-wise), they offered me the nicest deal, the best of which is free one-year comprehensive insurance (I get to choose between People's, Standard or Mapre). Even better, they are giving me a 5K gas coupon and install 3M tint. The most I could get from the others is either a 5 or a 10K discount (apart from the standard 20K discount offered by all dealerships).

The big question before the big plunge: Is there any catch to this? The other dealers I talked to are amazed/aghast at how TAI could offer free insurance and belittled it by saying they will do a lousy (cheap) job fixing my car in case it gets into an accident. (I got my Starex from Hyundai Alabang last December and I also got free comprehensive insurance, so I really think it's possible to get it as a freebie).

Any tips you can give me sirs? I know I need to make sure I get 0.5% participation fee in the insurance policy. A friend from an Insurance company says Mapre would be the best among the three.

What else am I missing here? Thanks for your help!

[ches]

maybe hindi na nila bibigay yung standard 20k discount like other dealers, just verify to be sure pero pag meron parin 20k and free comprehensive insurance that's really a good deal na. pa service mo nalang sa other dealer.

[_Qwerty_]

pwede mo naman i pasok kahit saang casa yan basta naka comprehensive ka.. so kung free compre sa TAI.. eh di go for it.. baka magbago pa isip nyan!

[1D4LV]

tama... free na eh... get it from there para wala na ding hassle.
on your second year, get it outside... Mafpre is ok..

[_Qwerty_]

check mo na lang yung compre na binibigay.. magkano participation? cover ba acts of god?

[benny]

check mo na lang yung compre na binibigay.. magkano participation? cover ba acts of god?

Thanks for all the inputs sirs. I'm getting 0.5% participation cover. And thank you for asking about acts of God (nature). I certainly would want that included and even would pay extra for it, if ever. My Kia carnival's computer died on me when I stalled in a flooded street (Milenyo's fury) and spent a fortune to make it run again.