How To Buy Motorcycle Insurance Philippines

When you buy a motorcycle in the Philippines, it is imperative that you insure it before you start using it on the road. Safety should be the top priority when operating your motorcycle. So, before you take your ride out for a spin, it is very crucial to make sure that you have the right kind of motorcycle insurance Philippines to protect you and your wheels. It is also important to understand every aspect of your policy and how it affects you as well as your motorcycle in case you need to file a claim.

There are various important questions you need to ask your insurance provider or broker when purchasing a motorcycle insurance policy. One of them is about the cash value of your motorcycle and how it is determined. It is very important to know the actual value of the motorcycle that you are about to insure. If your motorcycle is damaged in an accident, stolen, or vandalized, its value has a lot to do with the amount of money you may get as compensation. You also do not want to over-insure the bike relative to its value. You should ask insurance provider how the cash value is calculated and if you have a disagreement, it is best to get that straightened out before signing anything.

Another question you need to ask when looking to buy motorcycle insurance in the Philippines is how your motorcycle is classified. There are certain motorcycles that are considered sport bikes and are subject to higher insurance rates compared to the normal motorcycles. The sport bikes are designed for high performance and are sometimes driven at higher speeds, and for that reason they are statistically more susceptible to crashes. This drives up the cost of insurance premiums for them.

For more tips on how to buy motorcycle insurance Philippines, visit our website at https://ichoose.ph/

 

 

How To Buy Motorcycle Insurance Philippines

Are you looking to buy motorcycle insurance Philippines? If this is your first time to buy this insurance, you need to know what to make sure that you will not regret the choice that you will make. Finding the motorcycle insurance right policy and knowing how to get a great deal can save you a lot of money if you are responsible and do your research. With this in mind, the following are some top money-saving tips to consider before buying your motorcycle insurance.

One of the things you should do if you want to save some money on motorcycle insurance policy is do not go for a top-end motorcycle immediately. While it might seem fun going for a high performance motorcycle, but you have to remember that it is far more expensive to insure and also buy a top end motorcycle.

The first reason why insuring a high end motorcycle is expensive is because of the high repair costs. Top end vehicles simply have expensive or more unique parts. If something were to break on an expensive or rare model motorcycle, it is possible that it will be costly to get new parts or to replace the existing parts.

The second reason why insuring a high end motorcycle is expensive is the replacement value. If the motorcycle is stolen or written off for any reason, the insurance provider will have to pay out a lot more money to replace your vehicle. As a result, they will make sure that you are paying much more every month to cover this possibility.

So, before you buy motorcycle insurance Philippines, it is good if you take your time and pick your motorcycle with care. Make sure that you determine what motorcycle suits your needs.

For more tips on how to buy motorcycle insurance Philippines, visit our website at https://ichoose.ph/

 

 

How To Buy Car Insurance Philippines

Are you planning to buy car insurance Philippines? As a conscientious and smart driver, it is very important to have a decent car insurance policy. Shopping around for the best deal is something that everyone should do, but there are a number of mistakes that you should steer clear of when buying car insurance. The following are some of them.

One of the mistakes you do not want to make when shopping for car insurance is avoiding basic research. Shopping for a car insurance policy is similar to shopping for any other online product or service. The same way you do some kind of basic research when looking to buy stuff online, you need to research when looking for car insurance. Will you think of buying a mobile handset from an unknown website or turn to a trusted e-commerce website for the purchase? The trust factor is very important, right?

When it comes to buying car insurance from an online insurer, you can verify if the insurance provider is a certified entity. You can do this by browsing the website. You can also check the insurer’s social media profiles for authenticity, to know the brand ethos, and also find out customer reviews. You should not resort to purchasing or renewing car insurance Philippines in a hurry. You should say no to panic buying and yes to basic research while purchasing or renewing car insurance online.

Another mistake you do not want to make when shopping for car insurance in the Philippines is failing to compare policies. Not comparing yourself with others can be a good life mantra, but when it comes to car insurance policies, failure to compare policy quotes and inclusions can lead to inadequate insurance coverage. You need to spend some time comparing policies in order to know that you are getting a good deal.

For more tips on how to buy car insurance Philippines, visit our website at https://ichoose.ph/home

 

 

How To Buy Car Insurance Muntinlupa

If you are looking to buy car insurance Muntinlupa, you need to know what to do in order to get the best coverage for your needs. Obviously, not having any coverage is the biggest car insurance mistake one can make. Also, purchasing the first car insurance policy you come across is not a smart decision either. The following are some tips to help you make the right choice when shopping for the car insurance.

In order to make the right choice, one of the things you should do is research car insurance online. One of the best ways to shop for car insurance is through online comparison sites. Nowadays, everybody is online and companies have to adapt. It is possible to even compare car loans if you would like to.

There are so many online platforms that could get you multiple insurance quotes after filling out a single application that takes not much time if you have all the necessary documentation on hand. Just remember that some of these sites provide estimates while others provide real quotes. However, in both cases, you can get a pretty good overview of the current rates that are available to you. Also, a lot of insurance providers provide quotes on their own websites, so you can do that instead of visiting an office or calling them.

Another thing you should do when you are looking to buy car insurance Muntinlupa is avoid buying just the minimum insurance coverage. It can be tempting to get just the minimum insurance coverage, but that is not always very smart. This is why it makes the list of common car insurance mistakes. In almost 100 percent of cases, minimum coverage is simply far from enough.

For more tips on how to buy car insurance Muntinlupa, visit our website at https://ichoose.ph/

 

 

How To Buy Car Insurance Las Piñas

Buying car insurance Las Piñas should not be a difficult task if you know the right steps to take. Since this insurance is very important, you want to make sure that you are getting the best policy. The last thing you want is to insure your vehicle with a provider who will give you a hard time when the time comes for them to compensate you or cater for damage or repairs after an accident.

There are quite a number of factors you should take into consideration when looking for the right car insurance Las Piñas to buy. One of them is the discounts provided by the insurance provider. There are certain discounts that you can avail in order to minimize the amount of your car insurance premium. For example, you can enjoy a discount by installing anti-theft devices in your car. Thus, at the time of buying an insurance policy, you need to check which all discounts you can avail.

Another important factor you should consider when looking to purchase car insurance Las Piñas is network coverages. The network garages of your insurance provider deliver cashless car repair services (up to the sum assured subject to the plan’s coverage) for any physical damage sustained by your car during the car insurance plan’s validity. So, during the time of purchasing a car insurance plan, you must check how wide and strong the cashless garages network of an insurance company is.

You can get information about the network garages of different car insurance companies on the internet. You can also visit the offices of the insurance companies that you are interested in to find out more about them.

For more tips on how to buy car insurance Las Piñas, visit our website at https://ichoose.ph/

 

 

How To Choose A Good Car Insurance Provider In Alabang

Are you planning to buy car insurance Alabang? If this is your first time to do this, you need to need to know what to do in order to make sure that you get the best coverage. You will need to compare the insurance companies that are available in this area and then choose the best one among them. When it comes to insuring your vehicle, which is one of your life’s biggest investments, you cannot take it lightly.

There are various thing you will need to do when looking for the right car insurance provider to work with. One of them is comparing pricing. While pricing should not be the top factor when choosing an insurance company, it is an important factor that you cannot ignore. It is imperative that you select a policy that you can afford and will continue to be able to afford in the future.

You should take the time to research and understand the premiums for each company on your short list and why some might be more expensive than others. There are some insurance companies that might also offer multi-policy discounts, so it makes sense to go with the same company that you are using for your home or renters insurance.

Another thing you should do when looking for the right provider of car insurance Alabang is review all documents for the policy. Once you feel that you have selected the best car insurance company for you, take the time to read through all of their documents. These can usually be found online, but you can also ask your insurance agent to send them to you or even reach out to the insurance provider directly. Make sure that you have a good understanding of what you are signing, and do not hesitate to ask questions.

For more tips on how to choose a good car insurance provider in Alabang, visit our website at https://ichoose.ph/

 

 

How To Choose A Good Car Insurance Company In The Philippines

If you are planning to buy car insurance in the Philippines, you should look for a reliable car insurance company to buy from. Choosing a good car insurance company in the Philippines does not have to be complicated when you know what to do. It is imperative that you take the time to find a company that has a product you need.

Before you settle for any car insurance company, you need to do proper research on it. The common mistake that a lot of people make when looking for insurance provider is only surfing the Internet. The feedback found online can be fictitious just to catch your interest.

In order to select a well-established car insurance company in the Philippines, you first need to check the financial condition of the firm. The information should be publicly open. Otherwise, the insurance company may be hiding something. You need to pay attention to the number of assets, as well as the company’s net worth. The main aspect which has credibility is the increase of capital, at least gradual. In that case, it means the growth of the customer base as well as the reliability of the business entity.

One of the mistakes you do not want to make when looking for a good car insurance company in the Philippines is trying to save costs on insurance. While it may sound not convincing, but you may regret it later on. A lot of companies offer to choose the size of the franchise. The amount held by the company upon payment. It makes car insurance cheaper, but in case of an accident, you will have to think about paying part of the amount out of your pocket.

For more tips on how to choose a good car insurance company in the Philippines, visit our website at https://ichoose.ph/start/car

 

 

How To Buy The Best Car Insurance Philippines

Are you looking for the best car insurance Philippines to buy? Since every insurance company you come across will aim to be providing the best cover, it is up to you to know what to go for and what to avoid. If you parted with a lot of money to purchase your vehicle, you want to make sure that it is covered with the best insurance policy around.

If this is your first time to shop for car insurance in the Philippines, you may need expert help to determine your coverage needs and set a budget. An independent agent can take your information once and use it to get quotes from multiple insurance companies at a time, saving you time. The agent can also help you compare your options and select the best policy for your needs.

It is also important for you to know how to new your car insurance policy. Most car insurance policies automatically renew at the end of the policy term. You will get notified by mail or email if your policy is set to renew, and you may be required to confirm that your information is all the same before you go ahead to renew your policy. If you decide to switch insurance companies, you must have a new car insurance policy in place before your current policy expires in order to avoid a lapse in coverage.

When looking for the best car insurance Philippines, one of the bone of contentions you may is whether to buy the insurance through a broker or a company. An independent broker is not tied to any one insurance company. Their job is to help people shop for insurance and advise them through the process. They will do all the legwork for you, from plugging in your information to customizing your quotes so that you can see how much you would be paying for coverage from different carriers. It is a good idea to buy car insurance through an independent broker so you can compare quotes from multiple insurance companies.

For more tips on how to buy the best car insurance Philippines, visit our website at https://ichoose.ph/

 

 

How To Buy Car Insurance Philippines

When you buy a new vehicle in the Philippines, it is a good idea to make sure that it is insured before you start using it on the road. It is mandatory to have car insurance in this country, so you will be putting yourself at a danger of being prosecuted by the law enforcement officers if you drive a vehicle that is not insured.

So, how do you buy the right car insurance Philippines for your needs? To make your selection easier, one of the things you will need to do is compare quotes. You may be tempted to choose the car insurance company that offers you the best price, however you need to take the time to research on the different carriers. Carrier A may have quoted slightly higher rates compared to carrier B, but if carrier A has significantly higher claims satisfaction ratings, then that extra cost could be worth it.

If you are not sure company to buy your car insurance cover from, you should take the time to compare the best car insurance companies in the Philippines. Also check out reviews of individual carriers to learn more about your options before you sign a policy. One thing you need to remember when buying car insurance Philippines is that setting a higher comprehensive or collision deductible leads to lower premiums, since you are agreeing to pay more out of pocket in case you file a claim on your comp or collision insurance.

Once you have compared your quotes and picked a company that you feel good about, it is time for you to get insured. When you purchase a car insurance policy, you will set a start date for when your policy will start, and you will pay your first premium. In most cases, you will get proof of coverage and some sort of welcome package from your insurance provider, with information about how to access your account as well as where to see your ID cards or declarations page.

For more tips on how to buy car insurance Philippines, visit our website at https://ichoose.ph/

 

 

How To Buy Car Insurance Philippines

Are you looking to buy car insurance Philippines? If this is your first time, you may need some help deciding on which policy is suitable for your needs.  It is imperative that you invest in the best car insurance even if you consider yourself the best driver around. When you hit the road, you may encounter reckless drivers who might cause you to get involved in an accident even if you are trying your best to drive your vehicle the right way.

Before you go ahead to purchase car insurance, it is a good idea to first figure out how much coverage you need. One of the things that you can expect in a typical policy is liability coverage. This covers the costs in the event that you cause an accident, including when you damage someone else’s property with your car. Liability insurance is usually divided into bodily injury liability (BIL) and property damage liability (PDL).

Another component of a car insurance policy is personal protection. This covers medical and rehabilitation expenses in the event that you or your passengers are injured in a car accident. It also provides cover for other related expenses, such lost wages

There is also uninsured/underinsured motorist coverage which covers the costs in case you are involved in an accident caused by a driver who either does not have valid insurance or whose insurance cannot pay for the full extent of the damage

Other components of car insurance are collision coverage which covers damage to your own vehicle after an accident, regardless of who was at fault, and comprehensive coverage which covers any damage to your car that can happen when it is not being driven, including damage from extreme weather, falling objects, fire, flood, vandalism, and theft. Not forgetting gap insurance, which if your car is totaled, will pay out the difference between the car’s actual cash value, which includes depreciation, and the amount that you still owe on a car loan or lease so you are not stuck making payments on a car that you no longer have.

For more tips on how to buy car insurance Philippines, visit our website at https://ichoose.ph/

 

 

A Look At The Factors That Determine Car Insurance Philippines Price

Are you planning to buy car insurance in the Philippines very soon? If you do, it would be a good idea to educate yourself on the factors that determine car insurance Philippines price. A rating factor is an individual characteristic of a customer used to price car insurance premiums. In simple terms, the less risky your rating factors are, the cheaper your car insurance policy will be. Some car insurance rating factors, such as vehicle and driving record, have relatively sizeable impacts on car insurance costs. Other factors, such as marital status and gender, are less important. The following are some of the important factors that determine the price of car insurance.

Your age is without doubt one of the factors that will determine your car insurance price. This rating factor is very important, especially for young drivers. Between the most expensive insurance premiums (paid by teenage drivers) and the most affordable (paid by 50-year-olds) is a cost gap of over $5,500 per year. Most insurance providers consider teenage drivers as very risky and potentially expensive clients to insure. Most teen drivers drive more recklessly and get into more accidents compared to drivers in any other age group, so it makes sense why insurance companies will want to charge them higher to get car insurance.

You are probably wondering at what age your car insurance rates will go down. Age becomes a less important rating factor when you attain the age of 20 years, and even less impactful at the age of 25 years. Car insurance premiums reach their low point in a driver’s mid-50s before they rise for older drivers aged 70-plus.

For more information on the factors that determine car insurance Philippines price, visit our website at https://ichoose.ph/

 

 

How To Buy Surety Bond Insurance Philippines

Buying surety bond insurance Philippines can be an intimidating process especially for someone who is doing it for the first time. Chances are you are unfamiliar with the product, how it works as well as what to look for when in the market for a surety bond. This overview will help you understand the basics so you know what to look for beyond premium costs.

 To make the process of purchasing surety bond insurance easier, you will need a claims advocate. A lot of bonding companies are huge insurance carriers that deal with a tremendous amount of claims. In order to ensure that you do not become a number if a claim arises, you need to work with a bond professional that knows how to be your advocate. In so doing, they will work directly with you as your liaison in the process to thwart fraudulent claims and help you in resolving legitimate claims.

One thing you need to remember when buying surety bond insurance Philippines is that claims will cost you. Surety bonds are not insurance for you – the insurance is for your client(s). In case there is a claim on your bond, the bonding company that backs the bond will look to you for repayment of money paid out. If you are not familiar with surety bonds, you need to take the time to learn how they work and how bond claims can hurt you.

Also remember that all surety bonds are not created equal.  The surety bond provider is providing an insurance policy to your client(s). The beneficiary of these policies will require that only financially healthy companies can back the bonds to make sure that claim obligations are met. Instead of doing their own analysis of the bonding provider’s solvency, most of them use the financial grades. It is a good idea to gauge what is acceptable. A true bond provider will only sell bonds that meet or exceed the required standards.

For more tips on how to buy surety bond insurance Philippines, visit our website at https://ichoose.ph/

How To Buy Marine Insurance PH

Are you looking to buy marine insurance PH? If you are, you need to know the steps to take to make sure that you choose the best marine insurance policy. For most consumers, purchasing this protection plan is an immediate, hard, “no.” Shoppers quickly calculate the risk of damage to their new purchase and decide marine insurance is not worth the extra cash. While this fuzzy and rushed math that is performed at the cash register might be fine for a new beach stereo, but it is probably not good enough to determine the safety as well as protection of your business’s entire inventory for the entire month of October. You are in trouble if you think about marine insurance as a protection plan. For small to medium-sized companies, loss and damage to goods can destroy a bottom line.

A lot of freight carriers offer per pound or per item coverage, which sounds like an effective idea. But what will happen when your 1,000-pound solar panel (which is worth $1,200,000) is only covered for a few thousand dollars? Buying additional freight coverage can be the difference between growing your company and shuttering your doors. It is important to protect you investment with marine cargo insurance as it will help keep your company on the right path forward.

So, what exactly does marine insurance PH cover? This insurance covers your goods for any loss or damage while in-transit on the ocean. Even though each policy might vary on the details, the main point of ocean freight insurance is to protect you as well as your company from suffering revenue. There are a few different types of marine insurance policies to consider, so you need to know which type of policy best suits your business. This requires knowing your full scope of work as well as the risks involved in your specific move and industry.

For more tips on how to buy marine insurance PH, visit our website at https://ichoose.ph/

How To Buy Home Fire Insurance PH

If you are a homeowner in the Philippines and you do not have home fire insurance PH insurance yet, it is something that you should consider. Without doubt, fire insurance plays a very important role by covering your losses or damages that may arise due as a result of a fire outbreak. It is strongly recommended to buy a purchase fire insurance policy to cover your home business and here are tips which will help you choosing the right policy-

When buying home fire insurance, one of the things you should do is check exclusions. While it is necessary to know what is included in a fire insurance policy, it is also very important to know what is     not. There are some scenarios when the insurance provider can reject the claim, such as when the fire happens as a result of carelessness or if the fire happens due to war and allied perils, and so on. Similarly, the fire insurance company is not liable to pay if the loss or damage is as a result of a fire that happens because of the involvement of one of its employees. You need to have a clear understanding of the exclusions of the fire insurance policy so as to avoid where the insurer rejects your claim when you approach them.

Another thing you need to do when buying home fire insurance is adopt preventive measures to cut premium. Just because you have a fire insurance does not mean that you can act carelessly. Even before     issuing the fire insurance policy, the insurance provider would be interested to know what the safety mechanisms which you have adopted in your place are. Safety rules such as smoke detectors and fire extinguishers can help you get the low insurance premium rates.

 For more tips on how to buy home fire insurance PH, visit our website at https://ichoose.ph/

 

How To Buy Home Fire Insurance PH

Buying home fire insurance PH can be easy if you know the right steps to take.   Undeniably, a fire home insurance policy plays a very important role by covering your losses or damages that may arise due to fire. It is strongly recommended purchase a fire insurance policy to cover your home, and here are some of the tips that will help you choose the right policy.

When it comes to home fire insurance, it is imperative that you find and buy the right insurance coverage. As the purpose of this insurance is to indemnify the policyholder at the time of loss, it is very necessary to go with the right cover. If you have taken a building on a lease, you will need to insure your content.

To ensure you purchase the right home fire insurance PH, you should prepare a list of all the items that you would like to insure. In case you are the owner of the building, you will need to purchase the fire insurance for its structure as well.

Another thing you should do when looking to buy home fire insurance PH is go for high deductible. In the insurance sector, deductible simply means the amount that a policyholder has to pay before the insurer kicks in. Let’s assume your home fire insurance policy has a deductible of $5,000. It means, if there were a claim of $10,000, you will need to pay $5,000, and the remaining will be paid by the insurance. When you opt for a higher deductible, you can lower your premium outgo to a certain extent, which means that you will be able to save some money.

 For more tips on how to buy home fire insurance PH, visit our website at https://ichoose.ph/

Benefits of Buying Comprehensive Car Insurance PH

If you just bought a new car in the Philippines, you may be on the journey to getting it insured. Comprehensive car insurance PH is the best type of insurance for your car. This is because it provides protection from a wide range of risks that you may experience when you start driving your car. Comprehensive covers generally give car owners the most peace of mind compared to other auto insurance covers that are offered by insurance companies. The following are some of the common benefits of a comprehensive car insurance cover.

First of all, comprehensive car insurance PH will cover you from total loss of your car. Total loss of a car may arise when your car is stolen, and is not recovered thereafter. This can happen if the car is cannibalized for parts, or if it is driven to another country. Since the spare part market is very lucrative in the Philippines, it is possible to lose a car to thieves who plan to strip the car and sell spares.

 Total loss of your car can also happen when the car is written off after an accident. In this case, total cost of repairs would exceed at least 50 percent of the sum assured. Insurance providers prefer to write off such cars instead of repairing them. If your car is involved in a fire, this can also amount to total loss of your car. If the fire completely burns the car, then the car is a total loss. In these cases, the insurance company will settle your claim, and you will be able to get a new car. This would not be possible if you choose to buy third party car insurance.

For more information on the benefits of buying comprehensive car insurance PH, visit our website at https://ichoose.ph/

A Look at the Benefits of Buying Marine Insurance PH

Buying marine insurance PH is very important if you are a business person.  A marine insurance policy includes goods to be shipped not only via sea, but also shipment via land, air, rail or other conveyance, including international, domestic or inland transit, and warehouse coverage.  In order to ensure a secure and safe transportation by different modes, you need to insure your goods with a maritime insurance. The following are the possible reasons to buy marine insurance every time you get into an export or import affair.

First of all, this insurance can help you take care of the high costs following a loss. The cost of losses that are likely to arise from physical damage to goods in case of an accident during transit can run into hundreds of thousands of dollars. Therefore, spending some money on purchasing marine insurance PH will protect your business from these costs.

The marine cargo insurance is often a commercial requirement. It helps you by covering the loss or damage of cargo, ships, terminals, and any transport by sea arising as a result of different kinds of perils, such as natural calamities like cyclone, tsunami or earthquake,  loss due to theft, fire, explosion and so on, piracy, sinking or stranding of ships, collision, overturning or derailment of land conveyance, expenses such as survey fees, forwarding costs, and reconditioning costs, and total loss of any package while loading or unloading from vessel or craft.

So, any of the goods you are importing are financed by a bank or on a loan, you need a proof of marine insurance. Not insuring the goods may place unnecessary strain on commercial relationships.

For more information on the benefits of marine insurance PH, visit our website at https://ichoose.ph/

Things To Know About CTPL Insurance Philippines

If you come from the Philippines, it is important to have Compulsory Third Party Liability (CTPL) insurance policy if you are a vehicle owner. This insurance policy is required before any motor vehicle can be registered with the Land Transportation Office (LTO), be it for personal or commercial use. The reason why you need CTPL cover prior to registration of the vehicle is to provide protection for the general public. When you purchase a CTPL insurance Philippines, you are given an insurance policy with conditions.

Attached to the CTPL policy is the Confirmation of Cover (COC). This COC will be showed to LTO upon registration as proof that your vehicle has third-party insurance cover. Among the details that are shown in the COC are the name of the assured, the insurer’s limit of liability as well as basic details of the vehicle such as serial Number, chassis number, color and plate number. Additionally, schedule of benefits such as death benefit, permanent disablement and dismemberment, funeral expenses, and limits for medical as well as hospital reimbursement are likewise shown in the schedule of benefits for death and bodily injury.

You can purchase CTPL insurance Philippines from any licensed insurance company. CTPL premium rates are mandated by the Insurance Commission across all insurance companies. Any deviation from the rate, be it be higher or lower, should be reported to the Insurance commission.

In the unfortunate event if an accident, a CTPL cover for a PUV provides a total death benefit of ₱100,000 for the passenger-victim and ₱100,000 for third-party victims. For a private vehicle, the ₱100,000 insurance coverage is usually for third-party victims only. Additionally, under the ‘no fault’ clause of this policy, a third-party victim is entitled to a sum of max of ₱15,000 without proving negligence.

For more information on CTPL insurance Philippines, visit our website at https://ichoose.ph/

The Benefits of Comprehensive Car Insurance PH

If you are looking to insure your car in the Philippines, you should consider comprehensive car insurance PH. A comprehensive car insurance policy provides you and your asset the safety and security of any damage in the event of an accident. With this type of insurance coverage, you will be protected from any financial and collision damage that may be caused by an accident.

If you opt for compulsory only coverage, you may pay fewer insurance premiums, but just know that you will end up with coverage for third-party loss only. With the overall protection, i.e. fully-fledged comprehensive cover, you might be paying higher premiums, but the good thing is that it will provide you with add-ons giving protection from all kinds of risks to you and the third party. A comprehensive car insurance typically covers you for loss or damage from fire, theft, vandalism, natural disasters, accidental loss, and damage caused by animals or falling objects such as a tree or hail.

There are various reasons why comprehensive car insurance PH is better than a third party cover. While it is always assumed to be more expensive compared to the third-party insurance, in real sense it is not.  This type of cover grants your vehicle protection against a wide number of risks.

Comprehensive car insurance covers your car. A third-party liability insurance will only cover the damages caused to another party vehicle; as a result of an accident.  You will not be covered under such a policy. But with a comprehensive insurance policy, your car is covered too.

With comprehensive car insurance PH, you also get add-on coverage. You can opt for add-ons to enhance the coverage, which may include 24-hour roadside assistance, windscreen cover, towing and so on.

For more information on the benefits of comprehensive car insurance PH, visit our website at https://ichoose.ph/

Important Things To Know About Home Fire Insurance PH

Before you decide to purchase home fire insurance PH against your property, you need to consider the necessary aspects beforehand. Keep in mind that a fire outbreak can have the worst effect on your property, so purchasing the right insurance plan will be the best bet as it will protect you and your business from expected financial issues that arise out of fire damage. As and when such mishaps occur, you need to know your fire insurance claim process as well as documentary formalities because it will save you a lot of time.

While buying any home fire insurance PH plan against your property, you need to know certain things. One of them is that with fire insurance, you can have financial protection against unforeseen damage. This insurance covers the loss caused by destruction of moveable and immoveable property out of fire or other perils. There are various types of property that are covered under such policy, including machinery, building, plant, stock and content like fixtures, furniture and cables and so on.

Home fire insurance PH policies are issued for the period of one year with some exceptions, like for dwellings or residential properties. In the case of dwellings, a home fire insurance policy may be issued for the long term specifically for a period of 3 years at least. There are various other perils that are considered regarding fire insurance. A fire insurance policy may also cover explosions, lighting, landslide, bursting of water tanks, subsidence and impact damage. Keep in mind that loss resulting from war and warlike operations, breakdowns, burglary and housebreaking, nuclear perils, electrical/mechanical breakdowns as well as pollution or contamination are not covered under a home insurance plan​.

 For more information on home fire insurance PH, visit our website at https://ichoose.ph/

How To Shop For Car Insurance Parañaque

Buying the right car insurance Parañaque should not be hard at all if you know what to do. If this is something that you have every done in the past, it can be easy to know what to do in order to make sure that you are getting the best cover. However, if you are buying car insurance for the first time, you may need some help making the right choice. The following are of the things you should do in order to choose the right car insurance policy.

When looking for the right car insurance, one of the things you should do is compare annual rates. Before you settle on any cover, you should take your time to compare prices with other insurers. When you this, you will ascertain that you are getting the best deal. Most insurance providers have guidelines on available services as well as stipulated prices. An alternative is to use online insurance comparison tools before settling on a car insurance policy. Moreover, buying car insurance cover online is a time-efficient way to purchase a cover.

It is imperative that you buy your car insurance Parañaque from a trusted car insurance company. When choosing an insurance provider, you should not just settle for the first one you come across. Instead, you should take time to conduct research and read user reviews in order know more about the company. A top-rated insurance provider will have better services, fair rates and will process claim issues faster.

Before you start shopping for car insurance Parañaque, it is important to make sure that your credit score is good. You need to check your credit score frequently as this may affect your premium. Failure to pay back loans on time can put you in trouble as ultimately this will affect you when you want to buy a car and insure it.

 For more tips on how to shop for car insurance Parañaque, visit our website at https://ichoose.ph/

Things To Know About Home Fire Insurance PH

Are you looking to buy home fire insurance PH? Before you make this important step, you need consider the necessary aspects beforehand. Keep in mind that a fire outbreak can have the worst effect on your property, so purchasing the right insurance plan will be the best bet. The right insurance plan will protect you and your business from expected financial issues arising out of fire damage. As and when such mishaps occur, it is imperative that you have a good understanding of the fire insurance claim process and documentary formalities as it will save you a lot of time.

While buying any home fire insurance PH plan against your property, you must know certain things. One of them is that with fire insurance, you can have financial protection against unforeseen damage. This insurance covers the loss that is caused due to destruction of moveable and immoveable property out of fire or other perils. Various types of property are covered under such policy, including machinery, building, plant, stock and content like fixtures, furniture and cables, and so on.

Another thing you need to know before buying home fire insurance PH is that these policies are issued for the period of one year with some exceptions, such as for dwellings. In the case of dwellings, a home fire insurance policy may be issued for the long term specifically for a period of at least 3 years. Various other perils are taken into consideration regarding home fire insurance. It can also cover explosions, landslide, lighting, bursting of water tanks, subsidence as well as impact damage. However, loss as a result of war and warlike operations, breakdowns, burglary and housebreaking, nuclear perils, electrical/mechanical breakdowns and pollution or contamination are not covered​.

 For more information on home fire insurance PH, visit our website at https://ichoose.ph/blogs/filipino-property-owners-need-fire-insurance-philippines/

Things To Know About CTPL Insurance Philippines

If you are a new vehicle owner in the Philippines, you need to work on getting CTPL insurance Philippines before you start using your vehicle on the road. While you can apply for a comprehensive car insurance cover, you are required to apply for the Compulsory Third Party Liability insurance, or CTPL. A lot of experienced car owners are familiar with the CTPL, but for a new car buyer, what can you expect with this mandatory insurance policy?

Compulsory Third Party Liability (CTPL) is also commonly referred to as compulsory motor vehicle liability insurance. The purpose of this insurance it protect you, the vehicle owner from financial obligations to anyone who may be injured or killed by your vehicle. Owners of both cars and motorcycles are supposed to get this coverage before they go ahead to register their vehicle to the Land Transportation Office (LTO).

Before getting Compulsory Third Party Liability, it is important to know the fundamentals of this insurance, including a couple of misconceptions. One misconception about CTPL is that it covers the driver of the insured vehicle. The truth of the matter is that CTPL only covers third parties, and that does not include the driver. Third parties in this case mean anyone aside from a passenger who is not a member of the insured’s family or employee.

CTPL insurance Philippines should not be confused with a comprehensive car insurance cover. There are some owners who think that this can substitute what car insurance offers. Comprehensive car insurance offers more coverage compared to a CTPL, and it covers loss and/or damage of vehicle, property damage, excess bodily injury, no-fault indemnity cover, and auto passenger personal accident. That said, you can get CTPL insurance from any licensed nonlife insurance provider. CTPL insurance rates from different providers do not vary so much.

For more information on CTPL insurance Philippines, visit our website at https://ichoose.ph/ctpl

Things To Do Before Comparing Credit Cards Philippines

It is important to take time to compare credit cards Philippines if  you are planning to get your first credit card. Comparing credit cards can feel overwhelming since there are so many of them, and they have a wide range of different characteristics. However, if you take your time to do a careful, analysis of various factors, including credit card rewards, fees, interest rates – and your unique personal finance needs – can help you choose.

Before you start to compare credit cards Philippines, it is imperative that you have a good understanding of your own financial profile. Your credit score and credit history are going to play a big role in the type of credit card  that you will get. A lot of high-end credit cards are typically reserved for the people with excellent credit, even though there are a lot of cards that are available for those who are simply looking to establish their credit history.

Knowing your spending habits will help make the process of looking for the right credit card easier. Keep in mind that a credit card is not a source of free money. You will have to pay back every purchase you will make, and any unpaid monthly balance will likely start to collect interest.

 Another thing you need to do before you start to compare credit cards Philippines is ask yourself why you want a credit card in the first place. Whether you are getting your first card or adding to a collection, you need to know why you want a credit card. This will be the basis for determining which credit cards to compare and, ultimately, which one to choose.

For more information on what to do before comparing credit cards Philippines, visit our website at  https://ichoose.ph/quotes/credit_card

How To Buy Car Insurance PH

If you are planning to buy car insurance PH  for the first time, you need to know what to do  in order to get the best cover. You need to make sure that you are adequately covered if you get involved in an accident, but you do not want to pay more than you have to. But there are so many car owners who  overpay simply because they do not want to spend time shopping for car insurance. Doing some comparison shopping can save you hundreds of dollars a year.

In order to find the right car insurance cover, you need to first figure out how much coverage you need. The requirements vary from state to state, so you need to take a moment to find out what coverage is required in the area you come from. Once you know what is required, you can decide what you need. Keep in mind that your decision will depend on your own degree of comfort in assuming a certain level of risk.

If you have a lot of assets, it is imperative that you get enough liability coverage to protect them. Let’s say, for example, you have $50,000 of bodily injury liability coverage but $100,000 in personal assets. In case you are involved in an accident and you are found to be at fault,  attorneys for the other party could go after you for the $50,000 in medical bills that are not covered by your policy. If you have no assets that an attorney can seek, you should not purchase coverage unnecessarily.

Another considering to keep in mind when looking for the right car insurance PH  to buy is your driving habits. If your past is filled with crumpled fenders, if you make a long commute on a treacherous winding road every day, or if you routinely speed, then you should get more complete coverage. Collision coverage will pay for damage to your car in an accident or damage from hitting an inanimate object, such as a tree, lamppost or fence. Comprehensive coverage can address damage that did not occur in a collision, and it may also cover damaged windshields.

For more tips on how to buy car insurance PH, visit our website at https://ichoose.ph/

How To Buy The Right PH Insurance Motorcycle For Your Needs

Buying PH insurance motorcycle can be easier if you know the right steps to follow. You need to purchase in motorcycle insurance that will actually protect you. Below are some tips for choosing the right motorbike insurance for your needs.

When you decide to purchase this insurance, it is important that you do not rely on the person who hit you to pay. Many people assume that they do not have to pay if the fault was the other person’s. The bad news is that there are still many people on the road who are driving with little or no insurance. The people who do not have insurance often don’t have the money to pay for someone else’s motorcycle and medical bills. And in case the other person files bankruptcy, the claim that you file against them could potentially be discharged, meaning that you may not recover any money from them. The only sure way to protect yourself is to acquire underinsured and uninsured motorist coverage.

Another thing you need to do when looking for the right PH insurance motorcycle is avoid getting a basic policy with low premiums.  While no one gets on the road expecting to get involved in an accident, but accidents are the reason why we need insurance in the first place. Investing in minimum insurance coverage may look like a money-saving option in the short term, but it may not be ample coverage. Without enough coverage, you could be financially responsible to pay the bills that an insurance company would have paid. Cheap insurance may protect your motorcycle, but it will leave the most important thing unprotected: yourself.

For more tips on how to buy the right PH insurance motorcycle for your needs, visit our website at https://ichoose.ph/blogs/ichoose-ph-motorcycle-insurance/

How To Buy Travel Insurance PH

If you are planning to buy travel insurance PH for the first time, you may not know where to start. Comparing and choosing travel insurance coverage can be very confusing for a first timer. There are conditions, exclusions and restrictions, as well as various benefits with limits that may or may not apply to your situation. Below are some tips about the travel insurance buying process that can help you make an informed decision.

 First and foremost, you need to know the right time to buy travel insurance. You should purchase this insurance soon after booking your travel - ideally after making your initial trip deposit or when planning your travel calendar for the year. This insurance generally only requires you to answer a few questions, such as where you are going and when, how much your trip will cost you where you live as well as how old are you. Knowing these details will make it easy for you to get a quote online.

When you decide to buy travel insurance PH, there are two things you can do. You can buy coverage for a single trip or a full year of travel, quickly as well as very easily whether you are travelling internationally or domestically. You also need to know that when planning whether or not to purchase this insurance, you are supposed to wait at least 24 hours before the trip cancellation coverage takes effect.

It is imperative that you pick the travel insurance policy that’s right for you.  When choosing a travel insurance plan, it is imperative that you decide which options are most important for your specific trip and ensure benefit limits are adequate. For example, if you and your family are planning to go to the Gulf Coast in September, your three most important travel insurance criteria may be cancellation coverage because of a hurricane, missed connection coverage and emergency medical evacuation coverage.

For more tips on how to buy travel insurance PH, visit our website at https://ichoose.ph/start/travel

How To Purchase Life Insurance PH

If you are planning to buy life insurance PH for the first time, you need to know exactly what to do to make sure that you get the best cover. Confusion over how much as well as what type of life insurance to purchase is among the top reasons why people do not have life insurance. But the COVID-19 pandemic has been a wake-up call for many Filipinos and has prompted some to purchase life insurance for the first time.

In order to have an easy time purchasing life insurance in the Philippines, there are various things you need to do. First and foremost, you will need to assess your current financial situation.  It is important for you to have a true picture of your financial health before you can figure out the type of life insurance you need, and how much. You need to know what you have in place to support the loved ones who depend on you financially. This would include retirement savings, an emergency fund, and any life insurance coverage through work.  After doing an evaluation, you may determine that you are not as prepared for the unexpected as you thought.

It is a good idea to work with a financial advisor to discuss what needs you should cover with life insurance. It could be a mortgage that will need to be paid, a small business that will need to be maintained, children who will need to be supported, or a legacy that you want to leave. Your workplace might offer access to a financial planner as part of your benefits. Alternatively, you can find a fee-only planner through the National Association of Personal Financial Advisors.

For more tips on how to purchase life insurance PH, visit our website at
https://ichoose.ph/

 

How To Purchase Home Fire Insurance PH

If you are looking to purchase home fire insurance PH, you cannot overlook the importance of selecting the right coverage, choosing trustworthy insurance providers, and carefully assessing your insurance needs. Failure to do proper research beforehand might leave you with insurmountable bills in case of loss, injury, and accident. The same way with shopping for car insurance PH, purchasing home fire insurance may seem complicated, especially for someone who is buying the insurance for the first time.

While home fire insurance PH is certainly not on most people’s top list when they are buying insurance, it is very important. This insurance plays a vital role in giving financial protection against fire or other perils. You need to keep in mind that a fire outbreak is one of the most devastating occurrences which can leave  your most cherished and prized possessions to debris and ashes. When you have a home fire insurance PH, it can save you from financial burdens from unforeseen damages.

Since the primary purpose of home fire insurance is to compensate you (the insured) for the loss incurred due to a fire, choosing the right policy to cover your properties or contents is very important. In order to purchase the right coverage, you will need to identify what items or valuables you would like to insure. A typical home fire insurance policy can cover reconstruction of the home and other structures, debris clean up, and even replacement of damaged items.

But it is important to keep in mind that you will only be reimbursed depending on your policy’s coverage limit. This is why it is very important for to go through the policy you are considering carefully in order to know what is covered and what is not covered.

For more tips on how to purchase home fire insurance PH, visit our website at
https://ichoose.ph/blogs/fire-insurance-important-philippines-infographic/

 

Benefits Of Having Car Insurance PH

If you just bought a new car in the Philippines, you should make an effort to get it insured before putting it on the road. Most vehicle owners have car insurance because it is the law, not realizing that it is something that can also benefit themselves, the passengers they drive and even the vehicle itself in a great way. The following are some of the good reasons why you need to have your car insured.

One of the reasons to have car insurance PH is that it can save you a lot of money. Car insurance can help protect not only you, but also your family from huge expenses. You will invest just a small amount of money now in your own protection, but that little money can help avoid costly expenses in the future. Coverages such as comprehensive, collision, property liability as well as bodily injury liability can help cover the costs of expensive claims in the event of an accident.

Car insurance will also protect yourself and others. If you get the right car insurance, it can help protect you, your family members, your passengers as well as other drivers on the road. In the unfortunate event of an accident, you will be on the safe side if you have the right coverage to take care of any property or bodily injury costs that may arise.

Last but not least, having the right car insurance PH can save you time and hassle. The fallout from a car accident can be very tedious and time-consuming. With the appropriate car insurance cover, you can avoid negotiating with other drivers and property owners that are involved in the accident and managing the costs of repairing or replacing your car.  

For more information on the benefits of having car insurance PH, visit our website at
https://ichoose.ph/

 

A Look At The Things To Do When Comparing Credit Cards PH

Comparing credit cards is absolutely important if you are looking to apply for your first credit card in the Philippines.  Since not all credit cards are the same, you do not want to apply for just any you come across before evaluating options to determine which one is suitable for your needs. Doing a careful analysis of various factors, including credit card rewards, interest rates and fees, as well as your unique personal finance needs, can help you choose the right credit card.

Before you even start to compare credit cards PH, there are various things you need to do. First of all, you will need to establish why you want a credit card in the first place. Whether you are getting your first card or adding to a collection, you need to know the reason why you want a credit card. Your reason will be the basis for determining the credit cards to compare as well as which one to choose.

There are various reasons why you might want a credit card and some matching card types. If you are an avid traveler, it would make sense to look into credit cards that offer hotel, airline, or general travel rewards. If you are a small business owner, you want to go for a cash back business credit card can help you pay for company expenses. If you are just starting to build credit, you should consider a credit card with no annual fees as well as a low APR. If you intend to make a balance transfer, you should compare credit cards PH that offer no-fee balance transfers or zero percent balance transfers.

For more information on what to do when comparing credit cards PH, visit our website at
https://ichoose.ph/quotes/credit_card

 

A Look At The Benefits Of Investing In Health Insurance PH

If you are a resident of the Philippines and do not have health insurance PH yet, it something that you should consider working on getting. The current coronavirus pandemic has made the entire world sit up and realize that medical exigencies are unpredictable and they can result into a financial upheaval that is tough to handle. The high infection rate has caused people to understand the importance of having a good health insurance plan. Besides, the rising cost of medical expenses has made access to good medical facility and hospitalization financially strenuous for those who do not have health insurance. The following are some of the reasons why you need to consider getting a health insurance plan today.

First of all, health insurance PH can play a critical role in the right against lifestyle diseases.  Lifestyle diseases are on the rise these days, especially amongst people who are under the age of 45. Illnesses such as obesity, diabetes, heart disease, and respiratory problems, all of which thought to be prevalent among the older generation, are now rampant in younger people too. Among the contributing factors that have led to these diseases include stress, a sedentary lifestyle, pollution, gadget addition, unhealthy eating habits as well as undisciplined lives.

Even though following precautionary measures can help combat and manage these diseases, an unfortunate incident can prove really challenging to deal with, financially. When you invest in a health insurance plan that covers regular medical tests, it can help catch these illnesses early and make it easier for you to take care of medical expenses, leaving you with one less thing to worry about in your life.

For more information on the benefits of investing in health insurance PH, visit our website at https://ichoose.ph/start/health-business

 

The Benefits of PH Insurance Motorcycle

Buying PH insurance motorcycle is very important if you just bought a brand new motorcycle. Since a motorcycle costs a significant amount of money, it is important to protect the investment you made into it with insurance. The following are some of the important benefits of having motorcycle insurance.

First of all, with this insurance, you will have coverage in the event of a collision. Considering that the average cost of a new motorbike is over $10,000, having a motorcycle insurance policy in place can prevent you from struggling with financial problems in case your motorcycle sustains severe damage.

Another benefit of having PH insurance motorcycle is that you will have coverage for damage that does not result from a collision. Referred to as comprehensive coverage, this type of coverage will reimburse you for other types of damage your motorbike can sustain, such as damage resulting from theft, fire and vandalism. Even though motorcycle theft has been on the decline in the Philippines in recent years, there are still a lot of motorcycles that are stolen each year. For this reason, having comprehensive coverage that you will find under your motorcycle policy can prove to be extremely beneficial.

Last but not least, you will have liability protection when you purchase PH insurance motorcycle. In case you collide with another driver and are deemed responsible for their bodily injury or property damage, the liability coverage under your motorbike insurance policy will trigger. You will not have to pay for the  medical bills or the cost of replacing the damaged property using your own money. This can be a huge relief if you get involved in an accident at a time when your bank account is quite low.

For more information on the benefits of PH insurance motorcycle, visit our website at https://ichoose.ph/blogs/ichoose-ph-motorcycle-insurance/