No, Mel, that's the annual premium.... payable pa in installments. : -)
Generally, it's very easy to compute insurance premiums for cars, i quote on the spot to my clients. The only thing needed is the value of the car. Unfortunately, I don't have the value of a 2005 Toyota Rav4.. all the while I thought I was always bringing it. Usually, clients get insurance from the dealer on the first year because it's "free" or part of the package... they're not aware that it's not really free or they simply don't want to get into the hassle of getting in touch with an insurance company or agent... but it's really cheaper to go directly to the insurance company/agent.. even if the dealer would offer other "freebies" such as leather seat cover, etc.... Most cars I quote are more than one year old... If I quote brand new cars, we base the value on the actual price. Anyway, just to come up with a value, I'll just assume that a 2005 Rav4 costs 1.2M. If my estimate is way off, I'll e-mail you another
quotation to satisfy your curiosity . :-)
|
Coverage |
BPI/MS |
UCPB |
|
Own Damage |
1,200,000.00 |
1,200,000.00 |
|
Theft |
1,200,000.00 |
1,200,000.00 |
|
3rd Party - Bodily Injury |
200,000.00 |
200,000.00 |
|
3rd Party - Property Damage |
200,000.00 |
200,000.00 |
|
Passenger Insurance |
100,000.00 |
100,000.00 |
|
Annual Premium |
29,852.10 |
23,849.29 |
Too bad, we can't cover your car... unless you're willing to make the claim here hehehe... it's not like personal accident or life insurance where the person is covered anywhere in the world... :-)
Di bale, nakapila na yan sa ise-send ko... premiums for pension plans, educ plans (you don't really need to have a child to get one!) and life plans... :-)
Nice to hear from u... congrats for getting a new car... ingat lagi!
God bless you all! Regards na rin sa HS classmates na nasa US!
spurs <[EMAIL PROTECTED]> wrote:
hi daniel,
yung P5,362.80 premium, monthly ba yon?
out of curiosity, if its readily available on your notes, or would
NOT entail you so much effort/time, how much is a comprehensive full
coverage insurance for a 2005 toyota rav4?? ... just got one last
month, and kamahal ng insurance ko... pero kung ire-research mo pa
or would involve time on your part, don't even worry about... ok...
like what i've said out of curiosity lang...gonna compare it here...
(unless they cover US hehe)
hello everyone... i heard may 8.7 quake na naman sa indonesia...
ingat na lang lagi...
--- In [email protected], jun ramos <[EMAIL PROTECTED]>
wrote:
> Hi, Dave!
>
> Here are the quotations for your car, one from BPI/MS and one from
UCPB. I pasted here a summary:
>
> Unit: 1995 Toyota Corolla 1.3 XL
>
> Coverage
>
> BPI/MS
>
> UCPB
>
> Own Damage
>
> 120,000.00
>
> 120,000.00
>
> Theft
>
> 120,000.00
>
> 120,000.00
>
> 3rd Party - Bodily Injury
>
> 200,000.00
>
> 100,000.00
>
> 3rd Party - Property Damage
>
> 200,000.00
>
> 100,000.00
>
> Passenger Insurance
>
> 100,000.00
>
> 100,000.00
>
> Premium
>
> 5,362.80
>
> 5,372.07
>
>
> The only major difference is the third party coverage.
>
> In terms of claims, for BPI/MS, you have to have the unit
inspected / appraised first (usually you'll just stay around five
minutes only), at BPI/MS Calims Evaluation Center in Makati or at an
accredited appraiser (like Toyota Shaw or Toyota Ortigas); then they
or I will call you for the appraised value before you can bring the
car to the preferred shop. You can submit the docs at the shop
which appraised you. Yes, BPI/MS will issue first an LOA before you
send the car to an accredited shop. If the shop you prefer is not
accredited, we'll have to go for cash settlement. For UCPB, you can
go directly to the shop and negotiate, as long as it is accredited.
>
> Yes, for BPI/MS, Carsavers - Ziebart is accredited. For UCPB, the
nearest accredited shop there, I think, is Saturn Autospec, Inc. in
Pasig.
>
> Although the important details are already there, I'll attach the
quotations just the same for other info, like payment modes, etc.
>
> Thank you uli, Happy Easter and ingat! As usual, the fastest way
I can reply is through cell phone. :-)
>
>
> Thanks,
>
> Daniel
> 0917-9177683
>
>
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