Getting Car guarnatee In The Philippines

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While I do agree that if we can afford it, we should get insured in preparing for incase something 'bad' or 'unexpexted' occurs. However, not all things are worth getting insured for.

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How is Getting Car guarnatee In The Philippines

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Take for example car insurance. Its an absolute must to get a car guarnatee when buying a brand new car or a luxury car in case of theft or serious damage.

But if you're getting a second hand car worth less than 300k pesos I dont think that paying for that unit's guarnatee is worth it.

Normally when an urgency happens to your car. You take it to the 'talyer' to be fixed and to estimate the cost of repairs. Or you could take it to your car assistance station.

Depending on your chosen car guarnatee provider. Most car guarnatee company will only cover the number in excess of 5k to 10k pesos. Which is pretty unfair and is one of my many gripes about paying for insurance.

For example, if your car guarnatee policy cover's only damage in excess of 10k pesos. And if the cost to have your car fixed is below 10k, you dont get paid by the
insurance agency. If it cost you 12k pesos to fix, the guarnatee group will only pay you the 2k pesos. You shoulder the 10k pesos aside from the each year premiums that you pay.

Ofcourse, there are exceptions to this. If you're livelihhod depends on your car like privately owned taxis, school and shuttle services or delivery vans for your pick up trucks like the popular mitsubishi L300 and the kia ceres. Getting an guarnatee will probably give you the peace of mind incase of theft. But the value of the car should be taken into notice before getting the guarnatee you think you might need.

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