Welcome to the topic “How Do You Get A Comprehensive Car Insurance Quote and Buy One?“
You may have heard about getting a Comprehensive Car Insurance, but did you know that the best car insurance company in the Philippines, Perla Insurance, is offering the opportunity to avail this service even from the comforts of your own home?
That’s right – you don’t even have to leave your home since one of the best car insurance companies is remotely giving comprehensive car insurance quotes!
Car insurance coverage has never been more accessible due to this exciting new opportunity! And that too from a reliable company that has withstood the test of time and proven itself to be one of the best insurance companies in the Philippines.
Not only do we offer TPL Insurance and Comprehensive Car Insurance, but we also want to bring more awareness to our customers and help facilitate better-informed decisions regarding car insurance.
And that is why we will be discussing the detailed procedure of how to get a comprehensive car insurance quote from the comforts of your home in this article.
In this section, we will go into depth about exactly what steps you should follow to receive your comprehensive car insurance quote sent directly to you without having moved from your comfortable spot on the couch.
1. Contact us!
First and foremost, you will need to contact us on your preferred medium of choice. This is how we can get in direct contact with you to get the required information we will need and work towards straightening out your desired services.
For ease of contact, we are available on Facebook, Viber and our website:
FACEBOOK – www.facebook.com/PerlaInsuranceOfficial
VIBER – (0949) 8179478
2. Give us the make and model of your car and whether it is for private use or for hire.
The second step would be to give us the exact make and model of your car. Of course, we all know that all cars do not have the same price. There is a different price points depending on the make and model of the vehicle. In car insurance, the value of the car is most often the basis of the cost of the insurance.
We also need to know if this car is used for your personal purposes as private use or if it is used for hire. Usually the cost of insurance for for hire is more expensive than personal use, since more trips are taken using the vehicle, therefore; it is more prone to accidents.
3. Decide the type of coverage you need.
Now, you will have to make a decision and let us know the particular type of coverage you need. You can choose one or more out of the following to make sure your car is covered on all types of risks or unforeseen accidents:
1. Compulsory Third Party Liability (CTPL/TPL)
Compulsory Third Party Liability is the most affordable yet necessary insurance. It is required by the government for car owners as part of their car registration process. It provides limited protection against injury or death to others.
2. Loss and Damage
Loss and Damage protects your car from being stolen or damaged by you or someone else.
3. Acts of Nature
Acts of Nature protects your car from natural disasters like typhoons, floods, and earthquakes.
4. Third Party Property Damage
Damage to another car or property is covered by Third Party Property Damage insurance.
5. Excess Bodily Injury
Excess Bodily Injury protects you if your liability exceeds the limits of your CTPL policy.
6. Auto Personal Accident
The medical and mortality costs of your own driver and passenger are covered by auto personal accident insurance.
4. Decide on the amount for each kind of coverage you have chosen.
In this step, you will decide on the amount you’d like to spend for each of the types of coverage you have chosen.
For more information on the amount recommended for each type of coverage, read our previous article, where we discuss this in more depth.
5. If you are not sure of the type of coverage or the amount you need, we can suggest what is best based on your needs.
However, if you are still unsure about the type of coverage, you think you need or the amount that should be paid, then don’t panic.
We can get a background on your personal needs and based on this information we can give you better-informed suggestions and recommendations on what to choose.
How Do You Get Your Comprehensive Insurance Policy After Quotation is Accepted?
Now say that your quotation has been accepted. Congratulations! What’s the next step? Getting your comprehensive insurance policy, of course!
In this section, we will discuss the process and steps you need to follow to receive your comprehensive insurance policy after it has been successfully accepted.
1. Contact us!
As you may already be aware, getting in contact with us would be the first logical step. You can choose any of the following to do so:
FACEBOOK – www.facebook.com/PerlaInsuranceOfficial
VIBER – 0949 8179478
2. Provide us the details of your car found in your certificate of registration (CR) or send a snapshot of your CR.
We will require some details and information about your car, which can easily be found in your certificate of registration.
However, if you are having trouble finding the details, then you can simply send us a snapshot of your CR, and we will extract the details from it ourselves.
3. Pay the premium through online banking. Enter the amount and the policy number.
In this step, you will be urged to pay the premium through your preferred online banking service of choice.
In line with Perla Insurance’s thrust of adapting to the New Normal by moving digital, we offer you the means to send us your payment virtually.
You can deposit to our account using whatever is your bank of choice. Just input the amount from your quotation and pay to Perla Insurance’s bank account number. Don’t forget to send us a copy of your online deposit slip so we can verify it!
4. Policy will be sent to your email address. Just print it out.
Finally, you will receive your policy via the email that you have provided us.
Prior to the pandemic, the LTO used to require that car owners present the original copy of their Certificate of Cover (COC) when they register their car. The COC is an integral part of the policy, since it’s the document that certifies to the government that the car being registered has already availed of TPL Insurance coverage for the year.
However in line with Republic Act No. 11032, otherwise known as the Ease of Doing Business and Efficient Government Service Delivery Act, starting this year, the LTO is no longer requiring car owners to present the actual hard copy of their COC.
Therefore, you can simply get this policy printed out, or better yet just bring your digital copy, and you are good to go!
With Perla Insurance, know your needs are always prioritized and taken care of.
As one of the best car insurance companies in the Philippines, we strive for excellence in service and give the utmost importance to our customers and their needs.
This is why we make short animated videos in our series ‘Perla Cares’ to help make vital car insurance-related information more accessible to our viewers from a reliable and trusted source.
This information will not only help you take better care of your car’s health, but it can often be life-saving.
To watch our videos on similar topics, check out the links below:
When you think of reliability and trusted support, you think of Perla Insurance.
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