car insurance.

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car insurance.

Post  eggy_reyes on Sat Apr 02, 2011 12:43 am

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?

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Re: car insurance.

Post  badtoy on Wed Apr 06, 2011 7:03 pm

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?
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Re: car insurance.

Post  eggy_reyes on Thu Apr 07, 2011 6:44 am

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.

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Re: car insurance.

Post  badtoy on Thu Apr 07, 2011 2:48 pm

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.
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Re: car insurance.

Post  eggy_reyes on Fri Apr 08, 2011 12:15 pm

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 Smile 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.

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Re: car insurance.

Post  badtoy on Fri Apr 08, 2011 12:24 pm

ooohh ayus BPI. i will check if they have further discounts pa for Ayala employees hehehe.
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Re: car insurance.

Post  eggy_reyes on Fri Apr 08, 2011 12:42 pm

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

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Re: car insurance.

Post  eggy_reyes on Fri Apr 08, 2011 5:36 pm

mukhang sa NGO na nga ako - stronghold siguro yung insurer. i ddint get my low deductible request with bpims sayang! Rolling Eyes

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. Smile

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Re: car insurance.

Post  zbrando on Mon Apr 11, 2011 11:06 am

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)
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Re: car insurance.

Post  eggy_reyes on Wed Apr 13, 2011 2:04 pm

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 Smile.


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Re: car insurance.

Post  welscua on Wed Apr 27, 2011 1:53 pm

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.

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