Best car insurance

**hunnybunny** · June 30th, 2020 09:27 PM

Hello po,

Newbie pa lang po ako sa pagdrive. Looking for best car insurance po. Any suggestions po? At anywhere sa Pilipinas po ba pwde magclaim?

Pashare naman po ng pros and cons ng car insurance niyo and if possible how much po ang binabayaran niyo (aware po ako na depende po sa car yung amount ng insurance. Estimate ko lang po kng magkano po aabutin ko. [emoji28]) para magkaidea po ako.

Thanks po! [emoji4]

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**Archerfish** · July 1st, 2020 12:44 AM

I couldn't recommend AXA / Charter Ping An, I had a bad experience. Others had a good experience, including my friend who recommended that company to me. Making a claim is like passing through the eye of the needle. I had to send a narrative to their main office to get attention. Perhaps it would have been a different story if I were not a walk-in client. I think they prioritize those who are in-house financing.

I am with CGIC for the second time. The premium is a bit high.

First year was about 50,000. If I remember it right, I paid 38,000 for this year. Participation fee is about 10,000.

Nica is highly recommended here. I have yet to contact her. I don't see her in this forum and I don't have any recollection of her being active.

0932 211 4437

**keto** · July 8th, 2020 11:29 AM

Originally Posted by Archerfish

I couldn't recommend AXA / Charter Ping An, I had a bad experience. Others had a good experience, including my friend who recommended that company to me. Making a claim is like passing through the eye of the needle. I had to send a narrative to their main office to get attention. Perhaps it would have been a different story if I were not a walk-in client. I think they prioritize those who are in-house financing.

I am with CGIC for the second time. The premium is a bit high.

First year was about 50,000. If I remember it right, I paid 38,000 for this year. Participation fee is about 10,000.

Nica is highly recommended here. I have yet to contact her. I don't see her in this forum and I don't have any recollection of her being active.

0932 211 4437

I think Nhica changed positions but is still with Mapfre. I got my Mapre insurance thru her with my previous car. She was the first one I called when I got in an accident to inquire about the claims process. Mapfre assessor came to our house a couple of days after filing my claim, all repairs were done by the accredited casa without any issues, at least on Mapfre's side. IIRC even the participation fee was waived.

Now have a new vehicle that is under BPI/MS. When I got into a hit and run situation, had to bring the vehicle for appraisal to the nearest BPI/MS office in Cavite which has almost no space for parking. Approval took some time because of the Holy Week. Had no issues with the claim.

Between the two providers, I had a better experience with Mapfre. I would have also chosen Mapfre for my new vehicle if not for the fact that BPI/MS has better rates since the car is also loaned under BPI.

**Archerfish** · July 8th, 2020 12:18 PM

Originally Posted by keto

I think Nhica changed positions but is still with Mapfre. I got my Mapre insurance thru her with my previous car. She was the first one I called when I got in an accident to inquire about the claims process. Mapfre assessor came to our house a couple of days after filing my claim, all repairs were done by the accredited casa without any issues, at least on Mapfre's side. IIRC even the participation fee was waived.

Now have a new vehicle that is under BPI/MS. When I got into a hit and run situation, had to bring the vehicle for appraisal to the nearest BPI/MS office in Cavite which has almost no space for parking. Approval took some time because of the Holy Week. Had no issues with the claim.

Between the two providers, I had a better experience with Mapfre. I would have also chosen Mapfre for my new vehicle if not for the fact that BPI/MS has better rates since the car is also loaned under BPI.

It's nice to see a post from a long time member like you. I might try calling Nica by the end of the year. Thank you for sharing your experience.

**Little Missy** · July 1st, 2020 01:10 AM

I read good reviews about FPG so yun ang kinuha ko nung una. Kaso the following year hindi na siya inooffer ng ecomparemo. I'm now with Mafre.

Yung kapatid ko may nakabanggaan and she had to deal with the insurance of the other party. Naimpressed niya so she switched to that insurance the next year which is FPG.

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**Archerfish** · July 1st, 2020 01:52 AM

Originally Posted by Little Missy

I read good reviews about FPG so yun ang kinuha ko nung una. Kaso the following year hindi na siya inooffer ng ecomparemo. I'm now with Mafre.

Yung kapatid ko may nakabanggaan and she had to deal with the insurance of the other party. Naimpressed niya so she switched to that insurance the next year which is FPG.

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Hey! You're still here. I think I should say, I'm back.
[emoji3]

It so happened that I subscribed to this topic so I got a notification.

So, how are you doing? I mean, your experience with Mafre.
[emoji3]

**Little Missy** · July 1st, 2020 03:50 AM

Originally Posted by Archerfish

Hey! You're still here. I think I should say, I'm back.
[emoji3]

It so happened that I subscribed to this topic so I got a notification.

So, how are you doing? I mean, your experience with Mafre.
[emoji3]

I haven't had any claim eh. Yung bangga sakin ng mc last year, di ko na pinasok ganun din dahil sa participation kasi.

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**lyssah2007** · July 18th, 2020 01:06 AM

mga boss, ask ko lang sana kung pwede magdemand sa nakabangga sa akin na palitan na lang yung car ko instead na pagawa sa casa? bumaliktad ksi ko kaya napakalaki ng damage. may insurance naman yung nakabangga at may police report na din na nagpapatunay na sya ang nakabangga sa akin. marami salamat po sa sasagot..

xpander 2020 po car ko

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**dr. d** · July 18th, 2020 01:54 AM

Originally Posted by lyssah2007

mga boss, ask ko lang sana kung pwede magdemand sa nakabangga sa akin na palitan na lang yung car ko instead na pagawa sa casa? bumaliktad ksi ko kaya napakalaki ng damage. may insurance naman yung nakabangga at may police report na din na nagpapatunay na sya ang nakabangga sa akin. marami salamat po sa sasagot..

xpander 2020 po car ko

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kung pumayag siya na papalitan ang kotse mo, why not?

but your more practical resource, is probably your own insurance.
have an official police report made. your insurance will look for it.
talk to your insurance asap and no one else. may taning yan.
if you make a settlement or agreement with the other party, your insurance might refuse to have anything to do with you.
good luck.

**ninjababez** · July 18th, 2020 04:12 AM

Originally Posted by lyssah2007

mga boss, ask ko lang sana kung pwede magdemand sa nakabangga sa akin na palitan na lang yung car ko instead na pagawa sa casa? bumaliktad ksi ko kaya napakalaki ng damage. may insurance naman yung nakabangga at may police report na din na nagpapatunay na sya ang nakabangga sa akin. marami salamat po sa sasagot..

xpander 2020 po car ko

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depende sa coverage yan ng insurance nya
kung ako sayo, dun mo sa insurance ipasok yan. since bago pa auto mo, wala pa depreciation. sasakit lang ulo mo sa pag claim nyan sa insurance ng naka bangga sayo. iirc max 250k madalas coverage sa 3rd party damage.

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