car insurance.
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car insurance.
mag 1 year old na GL ko and I need to renew my insurance. I got a couple proposals from Country Bankers (my current provider), Nissan Gallery Ortigas and Philcharter (metrobank). iba-iba fair market value na binigay pero concern ko talaga is yung total premium and the deductible (owner participation). best offer given was from Nissan Gallery Ortigas but I'm curretly asking Philcharter to match the offer. ifever they can, i might go with them instead. by the way all 3 are accredited for casa repairs ifever.
i have no experience in claims as never pa naman kinailangan. sana naman di mahirap kausap mga ito pagdating sa claims.
for my 2nd year insurance here are my wants:
20K or below total premium payable in 4months
w/ acts of god
.5% deductible (less than 4K)
accepted for casa repairs
reputable company
balita ko OK din daw bpims and prudential.
kayo ano insurance nyo for your GL?
i have no experience in claims as never pa naman kinailangan. sana naman di mahirap kausap mga ito pagdating sa claims.
for my 2nd year insurance here are my wants:
20K or below total premium payable in 4months
w/ acts of god
.5% deductible (less than 4K)
accepted for casa repairs
reputable company
balita ko OK din daw bpims and prudential.
kayo ano insurance nyo for your GL?
eggy_reyes- Posts : 292
Join date : 2010-06-10
Re: car insurance.
kelan due yun sayo eggy?
ako din will start to shop for insurance renewal na.meron pa bang insurance na 20K down na may AOG and minimal participation fee?
ako din will start to shop for insurance renewal na.meron pa bang insurance na 20K down na may AOG and minimal participation fee?
badtoy- Posts : 218
Join date : 2010-06-29
Age : 112
Location : PQUE
Re: car insurance.
badtoy wrote:kelan due yun sayo eggy?
ako din will start to shop for insurance renewal na.meron pa bang insurance na 20K down na may AOG and minimal participation fee?
April 15. Nissan Gallery Ortigas offered their auto insurance: 18K+ with AOG tapos 3850 yung participation. if wala na akong makuhang better offer by Monday next week, I'll get it na. Insurance from and by the casa. first time ko gagawin yan kung sakali.
eggy_reyes- Posts : 292
Join date : 2010-06-10
Re: car insurance.
eggy, sa NGO mo ba nakuha yun GL mo?
pwede kaya na sa ibang dealar kukuha ng inhouse insuance? kasi sa mantrade its about 22K and no installment for the premium.
pwede kaya na sa ibang dealar kukuha ng inhouse insuance? kasi sa mantrade its about 22K and no installment for the premium.
badtoy- Posts : 218
Join date : 2010-06-29
Age : 112
Location : PQUE
Re: car insurance.
badtoy wrote:eggy, sa NGO mo ba nakuha yun GL mo?
pwede kaya na sa ibang dealar kukuha ng inhouse insuance? kasi sa mantrade its about 22K and no installment for the premium.
yes sa NGO ko nakuha yung livina. they are just actually reselling Stronghold Insurance and Fortune General Insurance. Meaning when you pay them, the policy you will get will either be from those 2.
you may get in touch with:
Gladys B. Pagula
Insurance Coordinator
Nissan Gallery Ortigas
Mobile no: (0915) 371 2761/(0922) 440 1096
Tel no: 635-5888 loc. 174 or 120
Telefax: 438-4268/633-2543
I'm now negotiating with BPIMS. I already got a discount on the total premium (17.7K - 3 months to pay). But I'm still pushing for a lower deductible. current offer is 5.7K. gusto ko 3.85K lang or .5% of insured value eto yung coverage:
Own Damage : 770,000
Theft : 770,000
Acts of Nature : 770,000
VTPL-Bodily Injury : 200,000
VTPL-Property Damage : 200,000
PA : 250,000
you may get in touch with:
Merari "Rari" M. Mendoza
Sales Assistant
BPI Division
BPI/MS Insurance Corporation
14th Floor Ayala Life FGU Center
6811 Ayala Avenue, Makati City
Tel No. 840-9586/Fax No. 753-7358/7377
E-mail: mmmendoza@bpims.com
sana pumayag dun sa request ko. sa BPIMS ako kukuha kung sakali.
eggy_reyes- Posts : 292
Join date : 2010-06-10
Re: car insurance.
ooohh ayus BPI. i will check if they have further discounts pa for Ayala employees hehehe.
badtoy- Posts : 218
Join date : 2010-06-29
Age : 112
Location : PQUE
Re: car insurance.
badtoy wrote:ooohh ayus BPI. i will check if they have further discounts pa for Ayala employees hehehe.
mike sama mo naman ako dyan hehehe
eggy_reyes- Posts : 292
Join date : 2010-06-10
Re: car insurance.
mukhang sa NGO na nga ako - stronghold siguro yung insurer. i ddint get my low deductible request with bpims sayang!
anyway NGO gave me the same coverage with a total premium of 18K flat and a 5-month payment term. meaning 3.6K/mo. ok na talaga considering na 3.85K yung deductible.
anyway NGO gave me the same coverage with a total premium of 18K flat and a 5-month payment term. meaning 3.6K/mo. ok na talaga considering na 3.85K yung deductible.
eggy_reyes- Posts : 292
Join date : 2010-06-10
Re: car insurance.
Kakarenew ko lang with BPI/MS, 19k. Kaso taas ng participation, from 24k un nanegotiate ko ng 19k kaso ang taas ng participation. Naka-lock ako sa kanila for the entire duration ng loan ko so I have no chance to change my insurance.
Good side: 12 months to pay
Bad side: Sobrang taas ng participation (6k-7k ata)
Good side: 12 months to pay
Bad side: Sobrang taas ng participation (6k-7k ata)
zbrando- Posts : 111
Join date : 2010-05-25
Re: car insurance.
renewed my insurance with NGO. 18K over 5months. deductible or participation is 3,850.
pwede na rin. Fortune General nga pala yung nakuha kong insurance policy from NGO. accredited din naman sila ng PSBank kaya ok din .
pwede na rin. Fortune General nga pala yung nakuha kong insurance policy from NGO. accredited din naman sila ng PSBank kaya ok din .
eggy_reyes- Posts : 292
Join date : 2010-06-10
Re: car insurance.
Stronghold yung sa GL ko from Nissan Q.Ave. 18k with AOG last year. OK naman kasi ng inilusong ko sa baha si GL during Ondoy wala namang problema sa claim, they were even thankful at di ko pinabayaan na lumubog sa baha. Total claim ko ay around 40k pesos.
welscua- Posts : 28
Join date : 2010-06-11
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