Pls Suggest Car Insurance Companies

[rvdelara]

Yes but you need to declare it.

[mark_t]

FLT Prime Insurance! isang tawag lang dalhin na agad sa casa/accredited motor shop tsikot mo to follow na lang mga papeles.

Ang maganda ay may dala ka na agad na camera phone and nasa email mo na mga documents.
(policy, drivers license, or.cr.)
Para pag may claim ka, pictures and accident statement form na lang ang idagdag mo sa email. Complete ka na bago ka pa makarating sa repair facility.

Basta important marami pictures. Pictures speaks a thousand words.

[striker2413]

mga boss,

can you recommend an insurance company na hindi humihingi ng additional 30% sa repairs done pag 3 years old pataas na yung insured vehicle? under Malayan kasi ang current car insurance ko. parang pointless ang comprehensive insurance pag ganito e.. hehe

thanks!

[rvdelara]

Sir, sa MAPFRE pag 3 years and below walang depreciation. Pag 4-5 years parang 20% ata on cost of replacement of parts.

mga boss,

can you recommend an insurance company na hindi humihingi ng additional 30% sa repairs done pag 3 years old pataas na yung insured vehicle? under Malayan kasi ang current car insurance ko. parang pointless ang comprehensive insurance pag ganito e.. hehe

thanks!

[striker2413]

Sir, sa MAPFRE pag 3 years and below walang depreciation. Pag 4-5 years parang 20% ata on cost of replacement of parts.

nataga ako sa puso nung nag claim ako ng insurance sa Malayan.. additional 30% of the total repair costs on top of my participation though, binayaran naman ng nakabangga sa akin. kung meron sanang insurance company na walang additional charges.. :|

actually mag li-limang tao na yung car ko this january 2014.

[derf8666]

nataga ako sa puso nung nag claim ako ng insurance sa Malayan.. additional 30% of the total repair costs on top of my participation though, binayaran naman ng nakabangga sa akin. kung meron sanang insurance company na walang additional charges.. :|

actually mag li-limang tao na yung car ko this january 2014.

Please clarify if it is indeed 30% of total repair cost or 30% of the cost of parts only, which is the SOP. Mali siya if it is based on the total repair cost. Labor and materials (paint, etc) are not included in the depreciation computation Depreciation and deductible are standards in our insurance industry. Deductible is fixed per accident while the percentage of depreciation depends on the age of the vehicle starting on the fourth year. The main reason for taking an insurance coverage is to protect you from catastrophic losses, that is big losses that can hurt you financially. Additional na lang yung mga minor claims.

[rvdelara]

Standard po sa lahat ng insurance company ung depreciation for replacement parts. Pero samin po kasi sir pag hndi fault ng insured i-waive ng company namin ung deductible and depreciation sa third party and we have people na mkkpg coordinate sa bumanga, para mas less hassle na din sa insured.

nataga ako sa puso nung nag claim ako ng insurance sa Malayan.. additional 30% of the total repair costs on top of my participation though, binayaran naman ng nakabangga sa akin. kung meron sanang insurance company na walang additional charges.. :|

actually mag li-limang tao na yung car ko this january 2014.

[Retz]

mga boss,

can you recommend an insurance company na hindi humihingi ng additional 30% sa repairs done pag 3 years old pataas na yung insured vehicle? under Malayan kasi ang current car insurance ko. parang pointless ang comprehensive insurance pag ganito e.. hehe

thanks!

Sir ganon din sa ibang insurance company. I think that is the standard depreciation cost of materials.

[Battlestar]

Ang maganda ay may dala ka na agad na camera phone and nasa email mo na mga documents.
(policy, drivers license, or.cr.)
Para pag may claim ka, pictures and accident statement form na lang ang idagdag mo sa email. Complete ka na bago ka pa makarating sa repair facility.

Basta important marami pictures. Pictures speaks a thousand words.

Magandang tip eto ah. Kaso parang iniexpect mo naman na meron hinde magandang mangyare sa kotse mo

[ero124]

Need ur advise mga guru. My innova free comprehensive insurance will expire on dec. First time kong magrenew ng insurance (mahal pala) hehe. Commonwealth po ung insurance ko from toyota bicutan na free last year nung kinuha ko ung unit, and eto po ung qoute nila sakin ngyn.
SUM INSURED ------------------------- PREMIUM
Own damage and theft 835,550.00 ---- 10,862.15
Excess bodily injury 100,000.00 --- 345.00
Property damage 100,000.00 --- 1,170.00
Auto personal accident 250,000.00 --- 547.50
(5 pass. at 50k each)
AOG 835,550.00 --- 4,177.75

TOTAL PREMIUM 17,102.40
Doc. Stamps 2,137.80
Vat 2,052.29
LGT 34.20

TOTAL PAYABLE IN 6 MONTHS IS 21,326.69

Ok lng ba to mga guru? Wala ko maciado idea pag dating sa mga ganito eh. Meron pa pla worth 3000 na deductible, di ko alam kung anu un, parang sa pagkakaintindi ko ay un ang sinasabi nila n fixed participation fee. Pede b ko canvass sa iba na di from toyota bicutan? Highly appreciate ur advise. TIA

[_Qwerty_]

medyo mahal yan sir.. tsaka mababa yung EBI, PD at APA.. shop ka pa sa iba.. then compare.. wag ka sa toyota mag shop.. don mismo sa mga insurance..

Need ur advise mga guru. My innova free comprehensive insurance will expire on dec. First time kong magrenew ng insurance (mahal pala) hehe. Commonwealth po ung insurance ko from toyota bicutan na free last year nung kinuha ko ung unit, and eto po ung qoute nila sakin ngyn.
SUM INSURED ------------------------- PREMIUM
Own damage and theft 835,550.00 ---- 10,862.15
Excess bodily injury 100,000.00 --- 345.00
Property damage 100,000.00 --- 1,170.00
Auto personal accident 250,000.00 --- 547.50
(5 pass. at 50k each)
AOG 835,550.00 --- 4,177.75

TOTAL PREMIUM 17,102.40
Doc. Stamps 2,137.80
Vat 2,052.29
LGT 34.20

TOTAL PAYABLE IN 6 MONTHS IS 21,326.69

Ok lng ba to mga guru? Wala ko maciado idea pag dating sa mga ganito eh. Meron pa pla worth 3000 na deductible, di ko alam kung anu un, parang sa pagkakaintindi ko ay un ang sinasabi nila n fixed participation fee. Pede b ko canvass sa iba na di from toyota bicutan? Highly appreciate ur advise. TIA

[Lew_Alcindor]

medyo mahal yan sir.. tsaka mababa yung EBI, PD at APA.. shop ka pa sa iba.. then compare.. wag ka sa toyota mag shop.. don mismo sa mga insurance..

boss ito kaya ok? yung Prudential (BDO) yung balak namin kunin
(sorry for cross posting kasi ala reply dun sa thread ko)


Prudential (BDO Insurance Brokers): Total Premium - Php19,258.67
Coverage: Php990K
Own Damage Theft: Php990
VTPL/Bodily Injury: Php300
VTPL/Property Damage: Php300K
Auto PA (Php75K/pax) :Free
Acts of God: Covered
TPL: Not covered

Fortune General: Total Premiun - Php27,982.97

Own Damage Theft: Php990
VTPL/Bodily Injury: Php200
VTPL/Property Damage: Php200K
Auto PA (Php75K/pax) :Php510
Acts of Nature: Ph990K
TPL: Not covered



Planters Bank: Total Premium - PHP 24,503.80

OWN DAMAGE/THEFT 990,000.00
PROPERTY DAMAGE 200,000.00
BODILY INJURY 200,000.00
ACTS OF NATURE 990,000.00
DEDUCTIBLE: 3,000.00

[_Qwerty_]

mas ok yang Prudential.. pero mataas pa din yan.. ask ka pa sa iba.. then tanong mo din magkano participation.. baka mura nga premium tatagain ka naman sa participation/deductible..

boss ito kaya ok? yung Prudential (BDO) yung balak namin kunin
(sorry for cross posting kasi ala reply dun sa thread ko)


Prudential (BDO Insurance Brokers): Total Premium - Php19,258.67
Coverage: Php990K
Own Damage Theft: Php990
VTPL/Bodily Injury: Php300
VTPL/Property Damage: Php300K
Auto PA (Php75K/pax) :Free
Acts of God: Covered
TPL: Not covered

Fortune General: Total Premiun - Php27,982.97

Own Damage Theft: Php990
VTPL/Bodily Injury: Php200
VTPL/Property Damage: Php200K
Auto PA (Php75K/pax) :Php510
Acts of Nature: Ph990K
TPL: Not covered



Planters Bank: Total Premium - PHP 24,503.80

OWN DAMAGE/THEFT 990,000.00
PROPERTY DAMAGE 200,000.00
BODILY INJURY 200,000.00
ACTS OF NATURE 990,000.00
DEDUCTIBLE: 3,000.00

[Retz]

Need ur advise mga guru. My innova free comprehensive insurance will expire on dec. First time kong magrenew ng insurance (mahal pala) hehe. Commonwealth po ung insurance ko from toyota bicutan na free last year nung kinuha ko ung unit, and eto po ung qoute nila sakin ngyn.
SUM INSURED ------------------------- PREMIUM
Own damage and theft 835,550.00 ---- 10,862.15
Excess bodily injury 100,000.00 --- 345.00
Property damage 100,000.00 --- 1,170.00
Auto personal accident 250,000.00 --- 547.50
(5 pass. at 50k each)
AOG 835,550.00 --- 4,177.75

TOTAL PREMIUM 17,102.40
Doc. Stamps 2,137.80
Vat 2,052.29
LGT 34.20

TOTAL PAYABLE IN 6 MONTHS IS 21,326.69

Ok lng ba to mga guru? Wala ko maciado idea pag dating sa mga ganito eh. Meron pa pla worth 3000 na deductible, di ko alam kung anu un, parang sa pagkakaintindi ko ay un ang sinasabi nila n fixed participation fee. Pede b ko canvass sa iba na di from toyota bicutan? Highly appreciate ur advise. TIA

reasonable price na yan sir sabihin mo lang na isama na ung ctpl dyan sa premium price mo.

[rvdelara]

Sir pacheck po PM. thanks!

Need ur advise mga guru. My innova free comprehensive insurance will expire on dec. First time kong magrenew ng insurance (mahal pala) hehe. Commonwealth po ung insurance ko from toyota bicutan na free last year nung kinuha ko ung unit, and eto po ung qoute nila sakin ngyn.
SUM INSURED ------------------------- PREMIUM
Own damage and theft 835,550.00 ---- 10,862.15
Excess bodily injury 100,000.00 --- 345.00
Property damage 100,000.00 --- 1,170.00
Auto personal accident 250,000.00 --- 547.50
(5 pass. at 50k each)
AOG 835,550.00 --- 4,177.75

TOTAL PREMIUM 17,102.40
Doc. Stamps 2,137.80
Vat 2,052.29
LGT 34.20

TOTAL PAYABLE IN 6 MONTHS IS 21,326.69

Ok lng ba to mga guru? Wala ko maciado idea pag dating sa mga ganito eh. Meron pa pla worth 3000 na deductible, di ko alam kung anu un, parang sa pagkakaintindi ko ay un ang sinasabi nila n fixed participation fee. Pede b ko canvass sa iba na di from toyota bicutan? Highly appreciate ur advise. TIA

[apollo_13rocks]

about to renew my comprehensive insurance for my 2012 jazz 1.3 mt. please email me a quote apollo_13rocks*yahoo.com
leaning towards mapfre cause of the good reviews here in tsikot. thanks

[RC-V]

about to renew my comprehensive insurance for my 2012 jazz 1.3 mt. please email me a quote apollo_13rocks*yahoo.com
leaning towards mapfre cause of the good reviews here in tsikot. thanks

Malayan insurance policy holder here. a bit pricey, pero no hassle in claiming, you are sure that damaged done on your vehicle will be repaired at honda (ygc) casa, and all parts to be replaced are all original.

[cardict]

Ot sir,can't find the link,or at cr ng oto natin pwede photocopy lang Dala natin sa ating mga rides,how about our insurance policy?

[Lew_Alcindor]

Anung benefits ng ctpl?

Sent from my GT-N5100 using Tapatalk 2

[Retz]

^

Ang benefits ng ctpl ay kung may nabangga kang tao insured ka.