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  1. Join Date
    Sep 2013
    Posts
    375
    #1
    Hi po. We pay almost 10k pesos every year for our comprehensive insurance of our 2007 mazda 3 ( every year parang almost 1k nababawas)
    Since minsan lang din magamit ang kotse at nasa magandang lugar po kami( parking lot na mataas and wala pong baha) may nakapagsabi po na TPL nalang daw ibayad namin sa insurance dahil mas mura at tamang tama sa situation namin.

    Ask ko lang po ano ba mga types ng insurance? At ano ano ang sakop nila? Thanks po


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  2. Join Date
    Aug 2012
    Posts
    2,767
    #2
    if gusto mo lang ma-register ang car mo, you can just get TPL (Third Party Liability) insurance. mas mura but you will lose insurance coverage for you and your car. now if gusto mo Full Coverage, get Comprehensive insurance, like what you have now.

    How much is the TPL premium?
    Car & Utility Vehicles Php 600.00
    Light Trucks ( Below 3, 390 kgs) Php 800.00
    Heavy Trucks (over 3, 930kgs) Php 1,200.00

    CTPL

    compulsory po ito ng government to get an insurance for the purpose of protecting the third party.

    COMPREHENSIVE

    consists of own damage/theft + VOLUNTARY TPL ( be it BI - Bodily Injury and PD - property damage). the name itself speaks - BI & PD. In lieu of the CTPL, kung kulang pa ang damage/claim, the comprehensive coverage will take care of the rest. comprehensive also covers acts of god (flood, lightning, earthquake) for additional cost aside from what i have mentioned above.
    read more here: http://tsikot.com/forums/car-insuran...ats-tpl-62513/
    Last edited by red_one; March 12th, 2014 at 05:48 PM.

  3. Join Date
    Oct 2011
    Posts
    26,787
    #3
    Quote Originally Posted by Ciz View Post
    Hi po. We pay almost 10k pesos every year for our comprehensive insurance of our 2007 mazda 3 ( every year parang almost 1k nababawas)
    Since minsan lang din magamit ang kotse at nasa magandang lugar po kami( parking lot na mataas and wala pong baha) may nakapagsabi po na TPL nalang daw ibayad namin sa insurance dahil mas mura at tamang tama sa situation namin.

    Ask ko lang po ano ba mga types ng insurance? At ano ano ang sakop nila? Thanks po


    Sent from my iPhone using Tapatalk

    pag luma na sasakyan pwede na kahit TPL na lang..... Php600 lang.

  4. Join Date
    Sep 2013
    Posts
    375
    #4
    Salamat sa mga tulong sir i kaklaro ko lang mga boss 1k bayad sa ctpl namin tama po ba yun?


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  5. Join Date
    Oct 2011
    Posts
    26,787
    #5
    ^

    Php600 lang un sir pero kay sis nhiecah Php560 lang.


    Posted via Tsikot Mobile App

  6. Join Date
    Sep 2006
    Posts
    171
    #6
    Kapag wala ka naman comprehensive insurance, masakit kapag na-carnap ang oto, masakit din sa bulsa kapag naka bangga ka ng luxury vehicles kasi sagot mo sigurado pampagawa ng ma-damage mo. Hindi din po kasi natin masasabi kung kailan dadating ang aksidente. Kaya for peace of mind, better kung meron pa din comprehensive insurance kahit luma pa ang sasakyan.

  7. Join Date
    Sep 2013
    Posts
    375
    #7
    Quote Originally Posted by Retz View Post
    ^

    Php600 lang un sir pero kay sis nhiecah Php560 lang.


    Posted via Tsikot Mobile App
    Meron kasi nakalagay dito 1k php :/ thanks sir


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  8. Join Date
    Sep 2013
    Posts
    375
    #8
    Quote Originally Posted by sysop View Post
    Kapag wala ka naman comprehensive insurance, masakit kapag na-carnap ang oto, masakit din sa bulsa kapag naka bangga ka ng luxury vehicles kasi sagot mo sigurado pampagawa ng ma-damage mo. Hindi din po kasi natin masasabi kung kailan dadating ang aksidente. Kaya for peace of mind, better kung meron pa din comprehensive insurance kahit luma pa ang sasakyan.
    Hindi kasi siya masyado nagagamit and safe naman sa lugar namin pero tama ka po hindi natin masabi medyo gipit po kasi ngayon kaya tpl lang sana muna hehe. Salamat sir


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  9. Join Date
    Oct 2011
    Posts
    26,787
    #9
    Quote Originally Posted by Ciz View Post
    Meron kasi nakalagay dito 1k php :/ thanks sir


    Sent from my iPhone using Tapatalk
    Palitan mo na yan sir mahal dyan.


    Posted via Tsikot Mobile App

  10. Join Date
    Oct 2002
    Posts
    15,528
    #10
    insurance, the thing you need most when you think you dont need them.
    if i were you, kung affordable naman, continue mo na lang. ask na lang for additional premium discounts the next renewal.
    it comes handy lalo na kung accidents. what if let's say nabangga ka (hwag naman), and the cost to repair your car would be around 150-200k.... san ka bubunot nun? unless you have lots of cash at hand, ok lang.

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