Car Insurance

[geekchiq]

You can try getting from ucpb gen. They accept even more than 5 years old car. Mine is 07 but I still get yearly insurance from them. Claiming insurance is a breeze too.

[gullible]

Question:

Tumataas po ba ang premium ng insurance kapag nag-file ng claim for damage na hindi naman sever?

Nabangga kasi yung kotse ko ng pinto ng isang pick-up. Di namin nakuha plate number nang nakabangga. Obvious yung scratch at dent sa pinto ng kotse ko. Hindi lang ako sure kung worth it ba na magfile ako ng claim? 2k lang naman participation fee..di ko lang alam how it will affect my premium next year.

[Fluffyheart]

^no sis. Insurance premium depends on your car's market value at the time of insurance renewal.

[gullible]

^Thank you sa reply, sis 

[BAISANAN]

Its depends on your preference  may ins. Co na mataas ang rate pero sa servicing naman is ok, meron naman cheaper ang rate pero paiyakan when it comes to claims.

[eveelicious]

It's good that pink wheels has positive reviews. I am also contemplating on switching to pink wheels, ang tagal kasi ng processing ng claim sa current insurer ko.

[BAISANAN]

late reply, ang participation fee is applicable sa lahat ng compre ins.

[kolinetongue]

since i am in a government office, GSIS ang insurance ng cars namin ni hubby

at par naman sya sa private. mura pa

[BAISANAN]

as far as i know ang GSIS coverage is like SSS may disability, burial at pension etc..good thing kung meron na rin silang non life insurance.

[eveelicious]

I am also a government employee but i haven't heard yet of GSIS motor insurance. How does one apply?

[aNgelofThEMorning]

same here, want to know more about GSIS insurance....looking for new insurance company na kami

[gorgeous_me]

since i am in a government office, GSIS ang insurance ng cars namin ni hubby

at par naman sya sa private. mura pa

sis how much sa gsis?

[minnie99]

If I have car insurance, can someone compel me to pay in cash yung repair ng damage sa car niya? Kulit kasi, eh kaya nga kami kumuha insurance para sa instances na ganto. I know it was my fault, that's why inaasikaso namin yung insurance pero ang dami niyang excuses at i-cash na daw namin.

[BAISANAN]

pwede naman i cash yan lalo na kung pasok sa deductible, or  depende sa agreement nyo with third party. 

[geekgurl]

Mga sis,

I just bought a brand new Honda City  in cash. I'm still looking online kung ano ba yung mga suggested insurance company. So far nakatry ko na sa Country Bankers, People's General, and Standard Insurance for In house naman with Honda Makati. Never had a problem with the insurance claim. Definitely, madali magclaim pag inhouse pero medyo nagbibigatan ako.

Anong pinagkaiba let's say kumuha ako direct sa Standard Insurance vs  In house insurance?
Naging curious din pala ako sa Pink Hot Wheels so i check it online, wala ng courtesy car. Dati naman meron.

[BAISANAN]

Pag in house mag karon ka man ng claim sila mag asikaso and madali mong  malalaman status ng claim mo pag nag direct ka sa ins. Co from the first step of your claim ikaw lahat mag aasikaso at kung wala ka pang ka kilala na taga ins. Matatagalan ang claim mo pero depende pa rin  sa ins.co. Kung gano sila kabilis magbigay ng claim.

[geekgurl]

Thanks for the reply sis.

Nagshop talaga ako for car insurance.
Naginquire ako online sa Standard Insurance and so far sila pinakamababa nagbigay ng Premium rate na P21,+++ w/ AON mas mataas pa (500K) BI & PD Coverage niya plus fixed na din deductible unlike nagpunta ako direct office branch ng Mapre & Standard Insurance Co. sa Alabang napaWOW ako sa rate na binigay nila saken, nasa P27K-28K tapos mababang coverage na BI & PD (200K), almost P4K na deductible.

Naginquire din ako InHouse sa Honda Cars Makati, funny kasi tumawag ako sa first agent handling the insurance dept. tapos same lahat ng quote niya saken Mafpre, Standard Insurance Co, People's Gen, BPI M/S which is almost P25k same coverage nagkakaiba lang sa deductible. Tapos yung 2nd agent naman tinawagan ko din(Honda Cars Makati pa rin) handling Standard Insurance P23K pero yung BI & PD coverage niya 200K lang.

Haaay..i need to make up my mind kung patulan ko yung Inhouse or yung first offer saken sa Standard Insurance. What would you suggest mga sis?

[BAISANAN]

Kung after ka sa premium of course choice mo is yung pinaka mababa kung after ka sa service kahit na mejo mataas why not its a matter of trust too.

[geekgurl]

Thanks sis Baisanan.
I decided to get the quote from Standard Insurance. Nasa list of accredited shops din nila ang Honda Makati. 

[crzysxycl]

Mga sis, we were quoted 10k++ ng BDO for comprehensive insurance. Ok na ba yun? Mag 2yrs palang yung car namin, repossessed sya. Nag inquire kami sa BPI kaso ang tagal tagal naman sumagot, quotation lang napakatagal mag reply.