Papano ba na ang pag compute ng Car Insurace sa Pilipinas?

Papano ba na ang pag compute ng Car Insurace sa Pilipinas?

Alam na natin ang meaning ng Comprehensive Insurance at CTPL or Compulsary Third Party Liability-- ito ang dalawang klase ng insurance sa Pilipinas, ang CTPL ay kailangan natin, at nasa batas rin na kailangan meron nito ang bawat sasakyan, maging luma o bago man, pero mungkahi natin na kumuha ng Comprehensive Insurance.

Nasa batas ang pagbili ng sasakyan kailangan meron Insurance, pero may ilan pa rin na pinagwawalang  bahala ang kahalagahan nito. Iniisip ang kabalikat na karagdagan gastusin lamang ang mga ito. Ang lagi natin isipin pagkukuha tayo nito ay ang kapakanan at kabutihan dulot nito sa mga sandaling meron hindi inaakalang panyayari at aksidente sa daan.

Una sa pagbili ng sasakyan ang basehan ng pagbili ng sasakyan ay ang Modelo, gusto natin masmahal mas maganda, pero pagdating sa Insurace naghahanap tayo ng mas murang Insurance. Tandaan po natin ang basehan ng pag compute ng Premium ay ang Presyo ng sasakyan na kukunin niyo. Kaya sa bawat klase ng sasakyan-- iba't iba rin ang Premium nito.

Halimbawa lang po ito;
2013 Montero Sport na may halagang Php1,172,000 ang premium nito ay nasa P61,423,60-- pwede rin

Insurance PremiumCalculator:

Vehicle Type: 2013 Montero Sport w/ Third-Party Liability? Amount of Coverage (Php):

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Your Insurance Premium for 1 year is: Php 61,423.60

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Insurance Package includes the following:

Own-Damage/Theft Coverage up to Php1,720,000.00. Bodily Injury Coverage up to Php100,000. Property Damage Coverage up to Php100,000. Third-Party Liability Coverage up to Php100,000 (3 Years). Personal Accident Coverage of up to Php50,000 each for up to 7 passengers. VAT, Document Stamps and Local Government Tax Inclusive.    AOG- Acts of Nature(God)

Php 61,423.60  ito ang kabuuan ng Insurance Premium na babayaran niyo. Mas mura ang presyo ng modelo sasakyan, mas mababa ang premium nito.

Ang Insurance coverage na binayaran na nakapaloob ay ang mga sumusunod;

1. Own-Damage/Theft Coverage
2. Bodily Injury Coverage
3. Property Damage Coverage 
4. Third-Party Liability Coverage  (3 Years).  
5. Personal Accident Coverage
6. VAT, Document Stamps and Local Government Tax Inclusive.
7. AOG- Acts of Nature(God)

Mapapansin na ang Third-Party Liability Coverage  (3 Years), tama po! 3 Years na bayad na ang CTPL or TPL niyo kung bago niyo mabili ang sasakyan.

Kaya sa susunod na taon, base sa presyo Php1,720,000.00. pag nag renew ng Comprehensive Insurance, formula
Php1,720,000.00 x (10 % yearly Depreciation*)= P1,548,000

YEAR 2014 RENEWAL ang basehan ay ang Market Value na P1,548,000.

kaya sa taon na ito, ang premium na lang po ay;

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Your Insurance Premium for 1 year is: Php 50,568.19

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Ang Insurance coverage na binayaran na nakapaloob ay ang mga sumusunod;

1. Own-Damage/Theft Coverage
2. Bodily Injury Coverage
3. Property Damage Coverage 
4. Third-Party Liability Coverage  (3 Years).   (Hindi pa po ito kasama, note: sa 4th year uli)
5. Personal Accident Coverage
6. VAT, Document Stamps and Local Government Tax Inclusive.
7. AOG- Acts of Nature(God)

Ang karamihan naghahanap ng masmura sa Php 50,568.19 , tama lang naman na mag canvass, pero kung ang naibigay sa inyo Premium ay nasa P30,000 baka Under Insured kayo.

Akala niyo nakamura na dahil sa mababang premium na naibigay, mali ang computation mababa ang Market Valueng nailagay?, walang AOG?, at iba pang coverages?. at mag ingat rin sa dami ng insurance company sa Pilipinas baka magician ang makausap niyo-- at -gamitan tayo ng Hocus Pocus (magic)

Hindi po pwede ito dapat mangyari sa actual na sitwasyon at compution, dahil sa batas meron sinusunod na FMV table ang bawat sasakyan na basehan ng actual na modelo at ang kasalukuyan presyo sa merkado.

Kaya mahalaga na malaman ang mga sumusunod sa pag renew ng insurance;


Owner's Complete Name and Location:
Complete contact number:
 
Current Insurer:
Current Premium:
Due Date:
Unit Year Model and Brand:
Car Mileage:






(RECOMMENDED) Send us a copy of your current policy - -email to m.cusi.team@gmail.com

If you have any questions or would like to learn more about Car Insurance<<click please call at 09154577716 or email me at m.cusi.team@gmail.com.

Remember, buckle up and enjoy the ride!

Licensed Insurance Consultant

for more information PLEASE VISIT;
Website: http://i-nsure.weebly.com/
Blog: http://i-nsure.blogspot.com/
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Facebook: https://www.facebook.com/iNSURe.online.ph
======================

i-NSURe
-Trademark under Licensed to IPO (Intellectual Property Philippines)
Registration no.: 4-2011-009248 (April 19, 2012)

Factors Determining Your Car Insurance Premium

Factors Determining Your Car Insurance Premium

There are several factors which determine the auto insurance premium in India. Car insurance policy comprises of 3 parts.

1. Own Damage
2. Third Party Cover
3. Personal Accident cover

Factors that determine the amount of car insurance premium are many. Given below are these factors taken into consideration while determining your car insurance. The auto insurance calculator given above works on these principles while determining insurance premium of your car.

• Engine CC: Engine displacement is one factor which determine the insurance premium of a car. Cars with higher CC are required to pay higher insurance premiums
• Registration City : City where a vehicle is registered is another factor determining auto insurance premium. Cars registered in the metropolitan cities  are required to pay higher premium. This is because incidence of vehicle thefts and accidents are higher in these cities.
• Car Model: With increase in age of the car, insurance premium also comes down.
• Car Manufacturer: Vehicles of manufacturers prone to accidents and thefts have a higher premium than cars made by companies with low theft and accident rates.
• Soon.. No claim bonus: (iNSURe) offer discounts on car insurance premium of cars with history of no claims.

Apart from these, there are other factors like age and profession of the registered owner etc.. are also considered while calculating car insurance premium.
In other countries countries factors like Gender, Marital status, driving record, color of a car etc... are also considered while determining Car insurance premium. 

How to request for Car Insurance Quotation Online?

Dear Customer,

We value your business and do our best to save your time and efforts. Stop wasting your time and money and get car insurance from reliable auto insurance company today. It's your decision we are helping you with, so call me now, compare the offers and get a really good car insurance now!Car insurance is very important for any vehicle owner and we understand how stressful finding a good auto insurance offer can be.

There are many sites on the web offering great car insurance deals, but can you trust them? Stop wasting your time and start saving your money, because we are here to help you! To get best car insurance just text me and get auto insurance quotes for FREE! from most reliable auto insurance company (Federal Phoenix).

Yes, it’s that simple. Just use the form to get precise car insurance quotes and decide for yourself which offer is best for you.


Yes! i-NSURe all Brand!

Date: __________


How to request quotation for Car Insurance Online?

3 Options;

1.) (RECOMMENDED) Send us a copy of your current policy - -email to m.cusi.team@gmail.com
2.) Send us all information ;

We can compute your premium, if we can get your partial details; in this way we can compute your accurate premium.

Current Insurer:
Current Premium:
Due Date:
Unit Year Model and Brand:
Car Mileage:

also include;
Owner's Complete Name and Location:
Complete contact number:

3.) BEST OPTION: APPLY NOW and get a FREE Quote, just download the Auto Shield Plus application form.

Please submit the duly accomplished application form to Mikel email: m.cusi.team@gmail.com

-note- this is to eliminate bogus inquiries, you know..

If you have any questions or would like to learn more about Car Insurance, please call at 09154577716 or email me at m.cusi.team@gmail.com.

We're Looking forward to hearing from you

Remember, buckle up and enjoy the ride!

Mikel
Licensed Insurance Consultant
09154577716 m.cusi.team@gmail.com


IMPORTANT:
The purpose of this form is to enable us to get the exact detail of the unit for precise insurance quotation and to contact you. It does not form any part of your insurance contract
> MOTOR Insurance quotation and is not a statement of contract.
> Coverage is subject to the exclusions, provisions, terms and conditions of the actual policy.
> A copy of the policy will be provided to you upon acceptance of your application form and quoation.

1. This application is subject to review and acceptance is based on the Underwriting Guidelines of Federal Phoenix.  If necessary, inspection of the vehicle to be insured may be required.
2. Federal Phoenix reserves the right to change the Sum Insured based on the Fair Market Value of the vehicle at the time of insurance.
3. Federal Phoenix will send you a free QUOTE based on the information stated in the Insurance application.

Home Shield Plus

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For certain, no one likes to think about all the bad things that can ruin our homes like fire, a devastating typhoon or an earthquake or getting robbed of our belongings.

If you don’t want to have sleepless nights worrying about these things, get yourself a Federal Phoenix comprehensive  homeowners insurance policy and BE ASSURED!

Contact for a quote and you will be pleasantly surprised by our pocket-friendly premium!


Note: If higher limits of liability are required, please specify the amount in your application for our approval.

APPLY NOW and get a FREE Quote, just download the Home Shield Plus application form.
 
Please submit the duly accomplished application form to MIKEL 09154577716 Email:m.cusi.team@gmail.com

Important Notes:

1. This application is subject to review and acceptance is based on the Underwriting Guidelines of Federal Phoenix.  If necessary, inspection of the property to be insured may be required.
2. Federal Phoenix will send you a free QUOTE based on the information stated in the application.

AUTO Shield Plus

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Shield yourself and be protected with our AUTO SHIELD PLUS – a comprehensive motor insurance coverage from a trusted and reliable insurance company.

Federal Phoenix Assurance Co., Inc. provides you the protection against loss or damage to your vehicle and against liabilities arising from bodily injury or property damage you may have caused to a third party from the use of your vehicle.
So BE ASSURED!


COMPREHENSIVE MOTOR INSURANCE COVERAGE
Own Damage
Own Damage insurance provides cover against loss of or damage to insured vehicle, or pays for the cost of repair  due to an insured accident such as collision, overturning, fire etc.
Theft
CARJACKING… a new word which has become synonymous with Theft or Carnapping. It is an act committed by armed groups, who take a vehicle from its owner with the use of force or intimidation. The THEFT Cover of our policy provides coverage for this type of loss.
Compulsory Third Party Liability Cover
The compulsory insurance coverage required by the Land Transportation Office (LTO) for the registration of the insured vehicle. This protects the insured from any liability in respect of bodily injury &/or death to any Third party arising out of the use of the Insured Vehicle.
Voluntary Third Party Liability – Bodily Injury and Property Damage
Provides cover for your legal liability in respect of bodily injury to or damage to property  of  Third Party in case of accidents caused by or arising out of the use of the insured vehicle.  This is on top of the required Php1000,000 coverage under CTPL policy.
Extensions of Cover
The following extensions of cover may be included subject to payment of additional premiums:

Acts of Nature – Provides cover for loss or damage to vehicle due to typhoon, earthquake, flood and other convulsions of nature.

Auto PA – Provides Personal Accident Insurance with medical reimbursement to the Authorized Driver and passengers whilst boarding, alighting and riding on the insured vehicle.  It is also includes coverage for the Insured’s family against vehicular related “incidents”.

APPLY NOW and get a FREE Quote, just download the Auto Shield Plus application form.

 
Please submit the duly accomplished application form

Mikel email to:

Email: m.cusi.team@gmail.com

Important Notes:

1. This application is subject to review and acceptance is based on the Underwriting Guidelines of Federal Phoenix.  If necessary, inspection of the vehicle to be insured may be required.
2. Federal Phoenix reserves the right to change the Sum Insured based on the Fair Market Value of the vehicle at the time of insurance.
3. Federal Phoenix will send you a free QUOTE based on the information stated in the Insurance application.

CCH Katipunan - Ateneo

 

 

 

 

 

 

 

 

 

 

 

Salcedo Square -Salcedo Village Makati

 

A SHOWPIECE OF A LOCATION

Sitting on prime real estate, Salcedo Square is beautifully located on L.P. Leviste Street in the heart of Salcedo Village’s “quieter” side.  Salcedo Village itself, in fact, is the more discreet of Makati’s two major business-cum-residential communities.  It is easier to access, less prone to traffic, less busy, and quainter.

The village is dotted with cozy cafés, food centers and well-landscaped parks that on weekends become either the joggers’ haven or Makati’s biggest weekend food-and-flea market. Centrally located, Salcedo Square is a stone’s throw away from Makati’s biggest malls:  Greenbelt and Glorietta, as well as the exquisite Ayala Triangle Park.

It is also close to schools like Ateneo Graduate School, The Assumption College, Colegio de San Agustin, Mapua Institute of Technology, the British School of Manila, Centro Escolar University, and the various pre-schools and day-care centers that litter the village.

The Makati Medical Center and Ospital ng Makati stand nearby, in case of emergencies and for general healthcare.  For even better health, sports clubs like the Manila Polo Club, Manila Golf Club, and Makati Sports Club are very close by.

A HOME THAT SHOWCASES WHO YOU ARE

 

Salcedo Square is thirty-storeys of edgy gloss and glamour rising emphatically into the Makati sky.  It is a hip, urban condominium designed not just to provide a place of residence near work for the city’s natives, but more to give them a venue to express who they really are.  The units at Salcedo Square range from studios to 1 bedroom residences, each with an amazing view of the city – and beyond.

But what makes it distinct is that Salcedo Square offers different layout options for each type and size of residence.  This allows homeowners more leeway in selecting a “home” that best responds to their life and life style.  To counter the characterless “collection of boxes in the sky” that most of the country’s condominiums actually are, Salcedo Square was designed to allow its residents the flexibility of selecting and dressing up their units as they choose.   Every home in Salcedo Square will become a unique expression of the personalities and passions of the people who live there.

In response to the residents’ need for escaping and unwinding, Salcedo Square’s “amenities center” will house a swimming pool, garden patios, state-of-the-art gym, and function rooms.  The exquisitely grand lobby that welcomes the homeowners and their guests will be manned 24/7 with security and the building concierge.  There will also be a full-time building administrator.

WHERE LUXURY MEETS AFFORDABILITY

Mosaic @ Greenbelt

Have a glimpse of our available RFO units! 

Mosaic @ Greenbelt

With a portfolio that remains unparalleled in the high-end segment of the property sector, 

Brittany Corporation has been at the forefront in changing the industry and in the modern Philippine society. 

Brittany Corporation sets forth a progressive approach to building homes and sets a global perspective in its developments.

With its very first vertical masterpiece located at a most enviable location in Legaspi Village, Makati. It stands as the new Greenbelt landmark to grace the illustrious vicinity of urbanized living dedicated with its finest features and quality that spells comfort and luxury.

A 30-storey residential building lavishly created to inspire and set new standards in modern and high-class living.

With its easy access to everything, luxurious and comfortable city lifestyle is within reach. 

Located at 115 Trasierra St., corner of Soria and Aguirre St., Legaspi Village, Makati City. 

At the back of Asian Institute of Management with a magnificent view of Greenbelt, Legaspi Park and the South.

Experience world-class amenities on the 7th Floor with our magnificent facilities that will best fit your pleasurable leisure and lifestyle.

Grand Lobby

Swimming Pool with Kiddie Pool and Jacuzzi

Gym

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Here's a special preview of the 

remaining available units in Mosaic...

FEW UNITS LEFT!