AVANZA - comprehensive motor insurance

[mark_t]

[quote=jujoe;1380868]Got this quote from Standard Insurance. Tell me what ya thi


Option 2 (with Acts of God)

COVERAGES PREMIUM

CTPL Own Damage / Theft /
588,500.00 12,947.00

Acts of God
Body Injury
100,000.00 230.00

Property Damage
100,000.00 780.00

Personal Accident (25,000 / person up to seating capacity) FREE

TOTAL PREMIUM 17,397.40 [SIZE=2](inlcusive of taxes)[/SIZE]

Along with this coverage, we are also giving away the following benefits.
1. Provides free 24 hours towing within Metro Manila
2. Provides Technical Assistance nationwide
3. Claims servicing done in any of 43 branches nationwide.
4. Automatic 5-star motorshop repair.
5. Deductible of 0.5% of the amount insured or minimum or 3,000 whichever is higher for each and every loss.(Participation)
6. Free membership on our Roadside Assistance Program.

Mataas pa iyan.

[mark_t]

[SIZE=2]Unit : 2009 Toyota Avanza 1.3J M/T[/SIZE]
[SIZE=2]Your Coverage and Benefits With ACTS of GOD[/SIZE]

[SIZE=2]Own Damage/Theft[/SIZE][SIZE=2] 588,500.00 [/SIZE][SIZE=2]9,416.00 [/SIZE]
[SIZE=2]Excess Bodily Injury[/SIZE][SIZE=2] 200,000.00 [/SIZE][SIZE=2]180.00 [/SIZE]
[SIZE=2]Excess Property Damage[/SIZE][SIZE=2] 200,000.00 [/SIZE][SIZE=2]730.00 [/SIZE]
[SIZE=2]Net Premium[/SIZE][SIZE=2] 10,326.00 [/SIZE]
[SIZE=2]Doc Stamps[/SIZE][SIZE=2] 1,290.75 [/SIZE][SIZE=2]VAT[/SIZE][SIZE=2] 1,239.12 [/SIZE][SIZE=2]LGT[/SIZE][SIZE=2] 20.65 [/SIZE]
[SIZE=2]Total Taxes[/SIZE][SIZE=2] 2,550.52 [/SIZE]
[SIZE=2]Total Amount Payable[/SIZE][SIZE=2] 12,876.52 [/SIZE]
[SIZE=2]Deductible: AOG losses=0.5% of Sum Insured minimum of Ps. 3,000.00.[/SIZE][SIZE=2] Other than AOG losses = Ps. 3,000.00[/SIZE][SIZE=2]Extensions:][/SIZE]

Ganito puede na.

[ekaj42]

[SIZE=2]Unit : 2009 Toyota Avanza 1.3J M/T[/SIZE]
[SIZE=2]Your Coverage and Benefits With ACTS of GOD[/SIZE]

[SIZE=2]Own Damage/Theft[/SIZE][SIZE=2] 588,500.00 [/SIZE][SIZE=2]9,416.00 [/SIZE]
[SIZE=2]Excess Bodily Injury[/SIZE][SIZE=2] 200,000.00 [/SIZE][SIZE=2]180.00 [/SIZE]
[SIZE=2]Excess Property Damage[/SIZE][SIZE=2] 200,000.00 [/SIZE][SIZE=2]730.00 [/SIZE]
[SIZE=2]Net Premium[/SIZE][SIZE=2] 10,326.00 [/SIZE]
[SIZE=2]Doc Stamps[/SIZE][SIZE=2] 1,290.75 [/SIZE][SIZE=2]VAT[/SIZE][SIZE=2] 1,239.12 [/SIZE][SIZE=2]LGT[/SIZE][SIZE=2] 20.65 [/SIZE]
[SIZE=2]Total Taxes[/SIZE][SIZE=2] 2,550.52 [/SIZE]
[SIZE=2]Total Amount Payable[/SIZE][SIZE=2] 12,876.52 [/SIZE]
[SIZE=2]Deductible: AOG losses=0.5% of Sum Insured minimum of Ps. 3,000.00.[/SIZE][SIZE=2] Other than AOG losses = Ps. 3,000.00[/SIZE][SIZE=2]Extensions:][/SIZE]

Ganito puede na.

my opinion: good deal na ito

[puroy]

[SIZE=2]Unit : 2009 Toyota Avanza 1.3J M/T[/SIZE]
[SIZE=2]Your Coverage and Benefits With ACTS of GOD[/SIZE]

[SIZE=2]Own Damage/Theft[/SIZE][SIZE=2] 588,500.00 [/SIZE][SIZE=2]9,416.00 [/SIZE]
[SIZE=2]Excess Bodily Injury[/SIZE][SIZE=2] 200,000.00 [/SIZE][SIZE=2]180.00 [/SIZE]
[SIZE=2]Excess Property Damage[/SIZE][SIZE=2] 200,000.00 [/SIZE][SIZE=2]730.00 [/SIZE]
[SIZE=2]Net Premium[/SIZE][SIZE=2] 10,326.00 [/SIZE]
[SIZE=2]Doc Stamps[/SIZE][SIZE=2] 1,290.75 [/SIZE][SIZE=2]VAT[/SIZE][SIZE=2] 1,239.12 [/SIZE][SIZE=2]LGT[/SIZE][SIZE=2] 20.65 [/SIZE]
[SIZE=2]Total Taxes[/SIZE][SIZE=2] 2,550.52 [/SIZE]
[SIZE=2]Total Amount Payable[/SIZE][SIZE=2] 12,876.52 [/SIZE]
[SIZE=2]Deductible: AOG losses=0.5% of Sum Insured minimum of Ps. 3,000.00.[/SIZE][SIZE=2] Other than AOG losses = Ps. 3,000.00[/SIZE][SIZE=2]Extensions:][/SIZE]

Ganito puede na.

anong insurance ito sir? baka pwede i-share yung contacts nila?

[dfcsantos]

Status ng Avanza na pinasok ko sa Ortigas ng Oct. 1:

Available na ang computer box noong Dec. 18. Dapat nakabit na ng Dec. 21 until before Christmas. Pero dahil sa mga holidays at konti na ang pumapasok na mechanics. Hanggang kahapon (Dec.28), hindi pa nakakabit. Malabo na this week na magawa iyon dahil last day na ng work today.

Wait na naman ako till 1st week of January para malaman ang lahat ng nasirang parts.

Ang nakalungkot nito, lumalabas na rin ang sira ng 11-year old na car na ginagamit ko. Nag palit na ako ng 2 tires and wipers. Ang ingay pa ng shocks. At higit sa lahat, malakas ang gas. Sa Avanza, kasya ang P1000 for 1 week. Ngayon P1500 ang konsumo ko.

[_Qwerty_]

dumating na daw yung carpet.. kaso yung blower motor wala pa din daw as of yesterday.. baka next year na din dumating yun..

tapos next year.. papasok ko ulit sa casa para maayos yung mga upuan.. papalitan daw lahat nang parts na may kalawang.. tapos sabay install na din nang new carpet.. di ko lang alam kung gaano katagal na naman ito..

[ownertype]

dumating na daw yung carpet.. kaso yung blower motor wala pa din daw as of yesterday.. baka next year na din dumating yun..

tapos next year.. papasok ko ulit sa casa para maayos yung mga upuan.. papalitan daw lahat nang parts na may kalawang.. tapos sabay install na din nang new carpet.. di ko lang alam kung gaano katagal na naman ito..

sulit na sulit ang premium talaga kay Erwin hahahah

[_Qwerty_]

dumating na daw blower motor.. papasok ko na ulit bukas nang umaga.. 2 days daw yun.. so weds ko makukuha ulit.. then dalhin ko na sa C5 para sa seats and carpet..

sulit na sulit ang premium talaga kay Erwin hahahah

[jujoe]

[SIZE=2]Unit : 2009 Toyota Avanza 1.3J M/T[/SIZE]
[SIZE=2]Your Coverage and Benefits With ACTS of GOD[/SIZE]

[SIZE=2]Own Damage/Theft[/SIZE][SIZE=2] 588,500.00 [/SIZE][SIZE=2]9,416.00 [/SIZE]
[SIZE=2]Excess Bodily Injury[/SIZE][SIZE=2] 200,000.00 [/SIZE][SIZE=2]180.00 [/SIZE]
[SIZE=2]Excess Property Damage[/SIZE][SIZE=2] 200,000.00 [/SIZE][SIZE=2]730.00 [/SIZE]
[SIZE=2]Net Premium[/SIZE][SIZE=2] 10,326.00 [/SIZE]
[SIZE=2]Doc Stamps[/SIZE][SIZE=2] 1,290.75 [/SIZE][SIZE=2]VAT[/SIZE][SIZE=2] 1,239.12 [/SIZE][SIZE=2]LGT[/SIZE][SIZE=2] 20.65 [/SIZE]
[SIZE=2]Total Taxes[/SIZE][SIZE=2] 2,550.52 [/SIZE]
[SIZE=2]Total Amount Payable[/SIZE][SIZE=2] 12,876.52 [/SIZE]
[SIZE=2]Deductible: AOG losses=0.5% of Sum Insured minimum of Ps. 3,000.00.[/SIZE][SIZE=2] Other than AOG losses = Ps. 3,000.00[/SIZE][SIZE=2]Extensions:][/SIZE]

Ganito puede na.

Pa share naman ng contact sir

[t3kk3n]

Hi guys

Update on my vanza, well still in the agony of pointing fingers between toyota alabang and insurance company. MAA is not signing the checkpayment of P500k for the declaration of 'Lost' as the repairt estimate given by toyota is just a partial estimate at P331k. But anyways, after seating down together with the insurance consultant and toyota alabang last Dec 28, 2009, we have decided to write a letter to the President of toyota alabang to provide speedy assistance on the repair estimates. I got the updated quotation last friday only, Minus the brakes, and the electrical wiring system, Paint, and specially the seats as they dont have the parts (NPM-no part master) on their service manual. The Update repair estimate is now at P431K inches away from the P500k coverage. If im to add the re-painting of 25k, change foam and re-upholster of 20k (as no patterns for the foam yet for the avanza), and replacement of the whole electrical system, the cost will be more than P500k. I stand by my decision to the insurance company that if they want to have the car to be repair only, ill make sure every inch of the cars part that have been flooded will be replaced, i told them, lets switch places, and tell me how they feel if the car suddenly stalled or some part started to break down, while your on a family trip out of town.

Anyways, Hopefully the declaration of the unit to be declared lost would be decided within the month . btw.. the car has been detailed and cleaned only, no actual work have been done after that it has been 3months now.

[jonn]

Hi guys

Update on my vanza, well still in the agony of pointing fingers between toyota alabang and insurance company. MAA is not signing the checkpayment of P500k for the declaration of 'Lost' as the repairt estimate given by toyota is just a partial estimate at P331k. But anyways, after seating down together with the insurance consultant and toyota alabang last Dec 28, 2009, we have decided to write a letter to the President of toyota alabang to provide speedy assistance on the repair estimates. I got the updated quotation last friday only, Minus the brakes, and the electrical wiring system, Paint, and specially the seats as they dont have the parts (NPM-no part master) on their service manual. The Update repair estimate is now at P431K inches away from the P500k coverage. If im to add the re-painting of 25k, change foam and re-upholster of 20k (as no patterns for the foam yet for the avanza), and replacement of the whole electrical system, the cost will be more than P500k. I stand by my decision to the insurance company that if they want to have the car to be repair only, ill make sure every inch of the cars part that have been flooded will be replaced, i told them, lets switch places, and tell me how they feel if the car suddenly stalled or some part started to break down, while your on a family trip out of town.

Anyways, Hopefully the declaration of the unit to be declared lost would be decided within the month . btw.. the car has been detailed and cleaned only, no actual work have been done after that it has been 3months now.

Hi just like to share the experience on of my colleagues, He negotiate that he's car must be declared lost after submerging in flood. He's insurance declined but he pursue this in "Insurance Commission" and they set for a hearing, after the hearing the court say the car can be declared lost and unusable. now he bought a brandnew ALTIS and junk he's 2008 VIOS. Good for him since he don't want that long and court decided right away.

[mark_t]

Hi guys

Update on my vanza, well still in the agony of pointing fingers between toyota alabang and insurance company. MAA is not signing the checkpayment of P500k for the declaration of 'Lost' as the repairt estimate given by toyota is just a partial estimate at P331k. But anyways, after seating down together with the insurance consultant and toyota alabang last Dec 28, 2009, we have decided to write a letter to the President of toyota alabang to provide speedy assistance on the repair estimates. I got the updated quotation last friday only, Minus the brakes, and the electrical wiring system, Paint, and specially the seats as they dont have the parts (NPM-no part master) on their service manual. The Update repair estimate is now at P431K inches away from the P500k coverage. If im to add the re-painting of 25k, change foam and re-upholster of 20k (as no patterns for the foam yet for the avanza), and replacement of the whole electrical system, the cost will be more than P500k. I stand by my decision to the insurance company that if they want to have the car to be repair only, ill make sure every inch of the cars part that have been flooded will be replaced, i told them, lets switch places, and tell me how they feel if the car suddenly stalled or some part started to break down, while your on a family trip out of town.

Anyways, Hopefully the declaration of the unit to be declared lost would be decided within the month . btw.. the car has been detailed and cleaned only, no actual work have been done after that it has been 3months now.

It has been 3 months, it is time to bring it to Insurance Commision's
attention.

[_Qwerty_]

update.. napalitan na yung blower motor ko nung Jan. 5. Ayos na ulit ang aircon.. dumating na din ang carpet.. pero pina hold ko muna ang installation hanggang hindi naayos ang mga upuan..

since sa Toyota C5 daw ang Body and Paint.. sila daw ang kausapin ko regarding sa upuan.. kinausap ko na ang Toyota C5.. and they dont fix seats daw.. what they do is they recommend replacement of the entire seat assembly kung may kalawang daw.. pero based sa experience nila with insurance.. hindi daw pumapayag ang mga insurance to replace the entire seat assembly.. and kung pumayag din naman daw... it will take a minimum of 6 months para ma order lahat nang parts sa upuan at para ma assemble..

I went back to Standard Insurance and demanded them to replace the entire seats as per advise by Toyota... ewan ko kung papayag sila.. so abangan na naman.. tsk tsk tsk

[jonn]

update.. napalitan na yung blower motor ko nung Jan. 5. Ayos na ulit ang aircon.. dumating na din ang carpet.. pero pina hold ko muna ang installation hanggang hindi naayos ang mga upuan..

since sa Toyota C5 daw ang Body and Paint.. sila daw ang kausapin ko regarding sa upuan.. kinausap ko na ang Toyota C5.. and they dont fix seats daw.. what they do is they recommend replacement of the entire seat assembly kung may kalawang daw.. pero based sa experience nila with insurance.. hindi daw pumapayag ang mga insurance to replace the entire seat assembly.. and kung pumayag din naman daw... it will take a minimum of 6 months para ma order lahat nang parts sa upuan at para ma assemble..

I went back to Standard Insurance and demanded them to replace the entire seats as per advise by Toyota... ewan ko kung papayag sila.. so abangan na naman.. tsk tsk tsk

Grabe hassle na nadaan niyo, sana wala na lumabas na problema after that. but as I said dapat inakyat nyo na yun case sa Insurance commision. Para palit boung kotse na.

[t3kk3n]

*jonn
well i giving then a chance up to this week to settle the issue, i was informed that the broker already had a meeting with MAA, i can have the results sometime tomorrow or before this week ends. If in case they wont consider the cost, My documents are already set for filling, ill file my complain to the insurance commission nextweek.

thanks

[t3kk3n]

*qwerty

i have detailed part number for the seats front, back, 3rd row. walang available seats dito sa pinas, talagang made to order yan. .. actually its the anatomy of the avanza upto the last wiring
http://www.toyodiy.com/parts/g_G_200...LM-GQMFJF.html

modify nyo nalang car options nyo kung 1.3, 1.5 manual or matic. sa akin kasi yan yun 1.5G matic

Yung front seats, pwedeng ibang seats ang ikabit natin (recaro, momo), pero ang rear and 3rd row eh talagang wala pa sa market.

[Eypeeyu]

update.. napalitan na yung blower motor ko nung Jan. 5. Ayos na ulit ang aircon.. dumating na din ang carpet.. pero pina hold ko muna ang installation hanggang hindi naayos ang mga upuan..

....Clipped...

I went back to Standard Insurance and demanded them to replace the entire seats as per advise by Toyota... ewan ko kung papayag sila.. so abangan na naman.. tsk tsk tsk

Sir _Qwerty_ ask ko lang, iyan po bang mga problemang nakikita ninyo sa Avanza after nyo ilabas ng casa for repairs due to flood, may participation pa din ba kayong binabayaran? Baka kasi marealease ang unit ko this week.

Ang kaso ang insurance ang nag-restore at hindi ang casa. Paano ako makakasiguro na okay ang pagkakarestore? Sabi kasi nila noon, pwede kong ipa-QA sa casa, pero nung nagtanong ako sa casa, para daw ma-QA, babaklasin nila ulit lahat ng electricals para ma-diagnose, cost is Php13,500.

[_Qwerty_]

*eypeeyu - basta flood related pa din ang problema.. wala nang participation.. once lang ako nagbayad nang participation..

dapat sir pa QA nyo sa casa.. yung 13,500 na sinasabi nila.. dapat sagot pa din nang insurance yan..

kahapon ni contact ako nang standard.. ni inspect na naman nila yung sasakyan.. pinuntahan nila dito sa makati.. ni check na naman yung mga kalawang..

[Eypeeyu]

*eypeeyu - basta flood related pa din ang problema.. wala nang participation.. once lang ako nagbayad nang participation..

dapat sir pa QA nyo sa casa.. yung 13,500 na sinasabi nila.. dapat sagot pa din nang insurance yan..

kahapon ni contact ako nang standard.. ni inspect na naman nila yung sasakyan.. pinuntahan nila dito sa makati.. ni check na naman yung mga kalawang..

Ung QA pwede ko ihirit sa insurance, ang problema ko dun, according to casa, magtatagal daw iyon sa casa kasi ipipila pa ulit nila sa flooded vehicles which is malaking hassle, parang dalawang beses akong pumila para maservice-an ang unit ko (una sa insurance, then sa casa)

Kapag po ba sa casa, binibigay din ang P.O. ng mga parts na pinalitan? Kasi dito sa insurance, matagal na akong humihingi ng formal report/checklist ng restoration ng unit ko, para sana may history ako ng repairs and everything. Pero up to now wala silang ibinibigay. Nung umpisa lang. Pa-advise na lang po kasi wala din akong experience sa claims sa casa.

TIA.

[_Qwerty_]

sa casa may copy ako JOB ESTIMATE.. yun yung pinapadala nila sa insurance.. tapos in return.. mag issue naman nang LOA ang insurance.. may copy din ako non.. lahat thru email..

eto yung isang Job Estimate:



eto yung isang LOA: