Dumaguete Info Search


Home & Garden Home/condo insurance

Discussion in 'Businesses - Services - Products' started by charlyB, Sep 21, 2020.

  1. charlyB

    charlyB DI Forum Adept

    Messages:
    315
    Trophy Points:
    175
    Ratings:
    +442 / -0
    Does anyone know of an insurance company in the area that does home/condo insurance, we tried Prudential at the Boulevard next to the 7/11 over 1 week ago and gave them our details , no quote yet, looks like they don't want our money :bag:
     
    • Like Like x 1
    • I was wondering about that too! I was wondering about that too! x 1
  2. Jack Peterson

    Jack Peterson DI Forum Luminary Highly Rated Poster SC Connoisseur Veteran Air Force

    Messages:
    8,940
    Trophy Points:
    451
    Occupation:
    Happily Retired
    Location:
    Northern Junob, Dumaguete City
    Ratings:
    +4,993 / -1
    I do our Home insurance and the Car through the bank PNB via Standard Insurance which I believe is on Portal West on Silliman
     
    • Agree Agree x 1
    • Informative Informative x 1
  3. eskirvin

    eskirvin DI Member Blood Donor Veteran Navy

    Messages:
    165
    Trophy Points:
    85
    Occupation:
    Signal Planner
    Location:
    Basay, Philippines
    Ratings:
    +265 / -0
    Blood Type:
    A-
    Have you had to "use" the insurance for anything? Here in Kuwait, everyone has to have car insurance, but if you actually need it, using it is a bitter and tough battle.
     
    • Informative Informative x 1
  4. Jack Peterson

    Jack Peterson DI Forum Luminary Highly Rated Poster SC Connoisseur Veteran Air Force

    Messages:
    8,940
    Trophy Points:
    451
    Occupation:
    Happily Retired
    Location:
    Northern Junob, Dumaguete City
    Ratings:
    +4,993 / -1
    Never so Far, the car is under Fully comp for Damage
     
    • Like Like x 1
  5. Jack Peterson

    Jack Peterson DI Forum Luminary Highly Rated Poster SC Connoisseur Veteran Air Force

    Messages:
    8,940
    Trophy Points:
    451
    Occupation:
    Happily Retired
    Location:
    Northern Junob, Dumaguete City
    Ratings:
    +4,993 / -1
    We do ours through the Bank because they have a Big pull and from others I have heard that very few claims are turned Down
     
    • Like Like x 1
    • Informative Informative x 1
  6. Dutchie

    Dutchie DI Forum Adept Showcase Reviewer Veteran Army

    Messages:
    322
    Trophy Points:
    121
    Location:
    Dumaguete
    Ratings:
    +677 / -1
    Blood Type:
    A+
    PNB seems to be the go to place for home insurance, we got ours there also (not through Standard Insurance, direct at the bank (at the corner next to Noreco main office, talk to the lady at the first desk on the right when you enter). Standard insurance is indeed In Portal West (left hand side at the corner when you come from the direction of PNB and turn right to go toward Lee Plaza). We got car and bike insured through them.
     
    • Like Like x 3
  7. Happy Camper

    Happy Camper DI Senior Member Showcase Reviewer

    Messages:
    853
    Trophy Points:
    246
    Ratings:
    +1,294 / -0
    Blood Type:
    O+
    Actually using the car insurance here is one thing that is not so complicated. The times we had to use it, it was quite simple. Get a copy of the police report, let the insurance company see the damage and give them a copy of the report, go to the repair facility or dealership, tell them to deal with your insurance company. Go pay your deductible when the work is done and drive away.
     
    • Informative Informative x 5
    • Like Like x 1
    • Agree Agree x 1
  8. Dutchie

    Dutchie DI Forum Adept Showcase Reviewer Veteran Army

    Messages:
    322
    Trophy Points:
    121
    Location:
    Dumaguete
    Ratings:
    +677 / -1
    Blood Type:
    A+
    There's quite likely a difference between claiming damage to your own vehicle, as opposed to dealing with third party liability.
    I recently had minor damage as a result of someone driving into the back of my car, but they didn't bother to involve their insurance company.
    If that's any indication of how hard it might be to claim damages from insurance, then it might be much like Kuwait here, I don't know.
     
    • Like Like x 1
  9. Notmyrealname

    Notmyrealname DI Forum Luminary Highly Rated Poster Showcase Reviewer

    Messages:
    3,146
    Trophy Points:
    286
    Ratings:
    +3,646 / -1
    Often a driver will not want a claim against their name as it increases following years' (i.e. maybe for more than one year) premiums - it is usually cheaper to pay for the damage, especially when the excess is taken into account.

    In the UK an insured person is obliged to inform the insurers of any accident, even if no claim is made. As if!!!
     
  10. Happy Camper

    Happy Camper DI Senior Member Showcase Reviewer

    Messages:
    853
    Trophy Points:
    246
    Ratings:
    +1,294 / -0
    Blood Type:
    O+
    Not so here, and that amazed me. Here you insurance rates go down every year because the value of your car goes down. You could get into a dozen accidents and your premiums will still go down, if the insurance company still wants your business.

    Here, they go after the person at fault and collect, if possible from them, or else they take them to court and get a judgment against them and any property they own.

    Strange but true.
     
    • Informative Informative x 2
Loading...