Pls Suggest Car Insurance Companies

[jdab]

What If I have minor dents prior to acquiring an insurance for my car, as a general policy of the insurance companies, are they going to honor the repair or will it be waived?

[tidus1203]

Prior to acquiring the policy?? Of course not.... lugi naman insurance nun :D

[eyshmechanic]

if insurance didn't make inspection prior baka pwede mong palabasin na yung damage happened after you get your insurance.

ang problem lang baka yung cost ng damage e mas maliit sa participating cost

[jdab]

I see.. thanks, tidus1203 and eyshmechanic

[MAXBUWAYA]

Stupid questien guys:

Can i still enroll my ride(91model) sa compre insurance? If pwede mga magkanu kaya yun?

yung iba case to case basis kung brand new pa sa iyo iyan tapos consistent ka sa isang insurance company yung iba tumatanggap.

Trymo din w small insurance companies

[mazingerZ]

I have a comprehensive insurance policy for my '92 vitara with oriental. No complaints so far

[vtil]

Bad feedback on Metrobanks PHILIPPINE CHARTER INSURANCE

our Lancer 1996 model are always insured with them until this year 2008 ayaw na nila icover. Because daw its already 10 year old car. WTF, as I know even my Honda Civic 1996 its still can be insured as long as you have it insured prior to 8 year old car.

Na bad trip talaga ako considering they are insuring our Lancer for more than 10 years already.

[j_avonni]

Bad feedback on Metrobanks PHILIPPINE CHARTER INSURANCE

our Lancer 1996 model are always insured with them until this year 2008 ayaw na nila icover. Because daw its already 10 year old car. WTF, as I know even my Honda Civic 1996 its still can be insured as long as you have it insured prior to 8 year old car.

Na bad trip talaga ako considering they are insuring our Lancer for more than 10 years already.

It'd would be very difficult to find another insurance company for a more than 10-year old car. I think you should insist first for PhilCharter to continuously cover your car citing your argument.


:car: [SIZE="1"]3911[/SIZE]

[karlbo]

try stronghold insurance..

check on its policy first. 10k+ damage wala ka na participation. around 20k / annum bayaran.

[vtil]

It'd would be very difficult to find another insurance company for a more than 10-year old car. I think you should insist first for PhilCharter to continuously cover your car citing your argument.


:car: [SIZE=1]3911[/SIZE]

they always say its their company policy daw that more than ten year old car di na nilaicocover.

bad trip talaga.

i found out Mapre insurance by Union Bank they allow. any feedback on this company?

[jlaw888]

is it true that Direct Link is not an insurance company but just an insurance agency? (read it somewhere here in the forums).. if so, how will this affect us?

[s_quilicot]

2 claims on Peoples General insurance on our trooper so far no problem with the company and pwede terms.

1 claim on Direct Link on our altis, wala pairng problem whatsoever.

btw our ford is insured by Peoples General.

[jlaw888]

I;M SORRY TO TSIKOT.COM with this feedback but i just got to spill this out.. with that being said, kasi sponsor nila Directlink, all i can say about DL is napaka-unprofesional ng mga taong nakausap ko sa kanila.

ang dami nilang requirements and then they assume that you're this and that, tawag pa sakin agad. imagine inabot ng 1 month negotiation namin dahil kesyo ganito kesyo ganun daw na kung ano anong mga sinasabi. ako naman e willing na to have my car insured and my checks are ready to be issued na rin. sila naman pa ata ang ayaw. my car is just 2 years old. nung sinabi ko na nakikigarahe lang, dami ng dahilan, and when you tell them na you're not working in such a position, which they assumed in the first place, wala naman akong sinasabing ganun trabaho ko, they vanished into thin air. ni ha ni ho wala ng reply.

thanks to this thread, i've read about Malayan. i emailed them asking for a quote. aba very professional ang emailed reply sakin, at di sya canned message kundi talagang personal but businesslike. mas mababa din quote nila at wala ng masyadong chechebureche requirements. right then and there i went to their office and in 30 minutes i got my compre.

[mark_t]

they always say its their company policy daw that more than ten year old car di na nilaicocover.

bad trip talaga.

i found out Mapre insurance by Union Bank they allow. any feedback on this company?

Mahal ang compre sa mafpre but in my opinion they have the best
policy...

No Police Report
Minimal documentation
Waived participation and depreciation if loss is due to a third party.
(kung ikaw ang binangga o kasalan ng third party and damage
wala ka babayaran na depreciation and participation.)

[Jie11]

Tanung lng po!
itong Mafre insurance po ay yung insurance arm ng GSIS? Kumuha ako ng compre insurance sa GSIS, tapos na side swipe po ako , ngayun meron namang hinihinging participation/depreciation ng shop na itunoro nila for me to have my car be repaired.

[mark_t]

Tanung lng po!
itong Mafre insurance po ay yung insurance arm ng GSIS? Kumuha ako ng compre insurance sa GSIS, tapos na side swipe po ako , ngayun meron namang hinihinging participation/depreciation ng shop na itunoro nila for me to have my car be repaired.

Ganito po yon, kayo ay bumili ng insurance sa GSIS which is an
insurance co. and GSIS naman ay bumili ng policy sa Mapfre ng
policy para sa inyo since GSIS do not have the infrastructure to
service this policy.

By doing this they will get what is called "underwriting profit".

Sa contract po nyo ay mayroon po na participation which is your share
in case of a loss or claim. Ganoon po talaga. Pero kung nanakaw or na total
loss naman po ay hindi ito mag apply.

Kung na nakatawag po kayo ng adjuster agad at nakita nya na hindi
nyo talaga kasalanan at kayo ang binangga then wala po kayo participation.
Nasa contract din po yon so kailangan mabasa nyo na nandoon talaga ito.

The trend now is the adjuster will be at the site within 30minutes
with a presigned check to settle your claim, Mga naka motorcycle po sila.
Sila ang mag estimate ng cost of damage at kung payag kayo sa estimate
nya ay babayaran ka na nya at bahala ka na sa buhay mo.

[mark_t]

they always say its their company policy daw that more than ten year old car di na nilaicocover.

bad trip talaga.

i found out Mapre insurance by Union Bank they allow. any feedback on this company?

Magaling po sila, mas mahal ng 20% to 40% ang motor policy
sa kanila. But if this is not an issue then go ahead po.

[Jie11]

thanks a lot sir Mark t for having the time in explaining, do appreciate it very much.
though i might be looking for another insurance company this month since my GSIS compre motor policy contract will expire in a few days.

[Great Carz]

Paps, try to shop muna para atlis may pagpipilian ka na insurance company.. try mo search sa net paps mga insurance companies para may reference ka din.. Ako on my insurance so far wala naman ako nagging problem sa kanila,Thanks to TSIKOT big help ung pakkpgpartnership nila sa Direct Link, ngtry kc ako mgpa-quote and maaus naman cla kausap, ngbgay cla skin ng discount and after ng transaction,the next day nasa akin na ung policy..thanks ulit sa TSIKOt

[knightrider07]

what about Antz Insurance me feedback na kayo dito?