Pls Suggest Car Insurance Companies

[lakers24]

I may be biased but as much as possible, do not get your insurance from the dealer. Why? Kanya kanyang trabaho yan. A dealer sells cars. A licensed insurance agent sells insurance. Sabi nila, malaki daw ang advantage pag sa dealer ka kumuha kasi mas mabilis daw? Thats not entirely true. Ipapa-approve pa rin nila usually sa insurer naman pag may aksidente ka. Now thats just sa Own damage. How about 3rd party accidents? Pag nakabangga ka ng ibang sasakyan o tao? Do you think the dealer will help you deal with these 3rd parties? Madalas tayo nakakarining ng mga reklamo laban sa mga insurance companies. If you notice, those cases usually happen when there is no licensed agent representing you. The thing is the consumer also has to be selective in choosing their intermediaries. Hindi basta basta kukuha ka na lang sa bangko, dealer, etc. Kilalanin niyo mga ahente niyo. Makipagmeet muna preferably dun sa company na nirerepresent niya. A simple act like that can give you some peace of mind for years to come.

Thanks sir, kaya nga sir nagdadalawang isip din ako sa bpi-ms kasi usually daw dun hindi mo mami meet ang ahente nila, may inirefer sakin officemate ko na ahente ng standard ang bilis daw kasi naging transaction nya last dec. 22 kasi naaksidente sya and dec.26 naipasok na agad sa casa and ok na lahat 200k plus damage and 4.7k lang participation nya,i meet ko sya one of these days subok lang kahit bpi-ms talaga mas preferred ko.

[BratPAQ]

We are about to renew our compre this coming april sa standard insurance, basta ba tatawagan/pupuntahan na lang namin yung insurance? Or do we need an agent? Wala kasi kami agent, baka may masuggest kayo agent for standard insurance.

[mark_t]

We are about to renew our compre this coming april sa standard insurance, basta ba tatawagan/pupuntahan na lang namin yung insurance? Or do we need an agent? Wala kasi kami agent, baka may masuggest kayo agent for standard insurance.

You always have a agent and his code will be printed on your policy. You just have not talked to him or her yet.
Since you are renewing then you already have a servicing agent. Look it up in your policy.
It would bear his name or serial number.

[mark_t]

I may be biased but as much as possible, do not get your insurance from the dealer. Why? Kanya kanyang trabaho yan. A dealer sells cars. A licensed insurance agent sells insurance. Sabi nila, malaki daw ang advantage pag sa dealer ka kumuha kasi mas mabilis daw? Thats not entirely true. Ipapa-approve pa rin nila usually sa insurer naman pag may aksidente ka. Now thats just sa Own damage. How about 3rd party accidents? Pag nakabangga ka ng ibang sasakyan o tao? Do you think the dealer will help you deal with these 3rd parties? Madalas tayo nakakarining ng mga reklamo laban sa mga insurance companies. If you notice, those cases usually happen when there is no licensed agent representing you. The thing is the consumer also has to be selective in choosing their intermediaries. Hindi basta basta kukuha ka na lang sa bangko, dealer, etc. Kilalanin niyo mga ahente niyo. Makipagmeet muna preferably dun sa company na nirerepresent niya. A simple act like that can give you some peace of mind for years to come.

If I may add on third party claims

1. Always have a servicing agent for your policy. (Yon totoo na servicing agent, Coded Insurance Profesional,
hindi yon kalaban mo lang sa chess o di kaya ay ahente mo ng itlog)

2. Your first third party claim is always from your CTPL.
Pag nabangga ka at nag claim ang ka banggaan mo dahil sumakit ang ulo niya or kumati ang baba nya!
O di kaya kumati itlog nya! O di kaya dahil na late sya pagbili ng sibuyas!
O pag nasira ang ulo nya dahil binanggga mo car nya! Hindi sya naka sleep ng 3 months.
This would fall under section 1 of your standard motor collision policy.

3. Absolutely buy only from a coded/licensed agent/ your CTPL.
Make your policy is compliant kung hindi puro refer to your lawyer lang maririnig mo sa mga talipandas.

May lawyer ka na, nandoon sila sa legal department ng Insurer ninyo.

[BratPAQ]

Sir, any feedback on Howden Insurance? Nagpadala na sa min quotation na mas mura sa current namin sa standard. Ambagal kasi ng Standard papadala lang ng quotation, lalo na siguro to sa claim.

[Sarsi]

I had chosen MAPFRE for my renewal. Got a nice deal, paid around 22k for 1M vehicle, and a freebie that I can't resist

[stickers]

considering MAPFRE too.. pm mo po si r3dasmoke02 for quotations. mabilis at accommodating.

[Sarsi]

considering MAPFRE too.. pm mo po si r3dasmoke02 for quotations. mabilis at accommodating.

No need for quotation. Done deal na.

[roycruz]

Any suggestions for a 5 year old car? Yung reasonably priced and no hassle claims? Same lang ba ang premium ng old and new cars? Thanks!

[stickers]

No need for quotation. Done deal na.

anu anung freebies nakuha mo sir. pa-pm naman. tnx.