Car Insurance In the Philippines

For those of you who live in the Philippines I want to ask about your experiences of car insurance.

What kind of limits are there on your comprehensive car insurance, like what will they pay out if you accidently kill someone with your car.

What are your premiums like as foreigners who have converted their licence for the Philippines and who drive regularly.

Who is covered by your insurance is it the vehicle or the drivers and what level of cover does someone get if you authorise them to drive your car is it only CTPL or would they be covered comprehensivly if your insurance had comprehensive liability.

Just starting this thread to act as a helper for anyone like me who might think about getting a car in the Philippines, I'd like to know the pitfalls, the roads and drivers here terrify me.

I read an insurance document today the Compulsory Third Party Liabilty CTPL in that document seemed to place a price on a life at around 30,000 peso about 410 quid that's why I am asking what the limits are, loss of an eye appears to be 75,000 peso or 1025 quid so your theory might be right from the viewpoint of the insurance company.

Who knows Malcolm, it frickin terrifies me, my son's mother bought a car which she can't afford means she will not be home for at least 5 years because I'm not paying for the damn thing, James has had 8 hours of instruction and they handed him a licence, he didn't even have the mirrors set correctly and I was terrified for most of the time I allowed him to drive me, I'm not getting in it again.

I can absolutely guarentee that he would fail a UK test, I've tried explaining that a car is a lethal weapon, he's trying to be safe but he really hasn't got a clue, steering with the heel of one hand, there were so many things he was doing wrong that I couldn't keep up with instructing him to correct the mistakes, I'd like to send him back for more formal training in a decent training company.

edit: I've been driving cars for 35 years, motorcycles I started driving 49 years ago, I had thirty hours instruction and I still failed first time another 10 hours and I passed. Loads of accidents on motorcycles only one accident in a car and it wasn't my car it belonged to my boss, that was a very hard time for me 35 years ago.

Yeah I know, that's the point, zero chance of passing with his current skills and zero chance of passing with my level of skill in 1990, it's hard now in the UK.

Last night a door was not closed properly in the car, when the remote unlocking wouldn't work properly his conculsion was that the red light on the remote when he pressed it meant "low bat", he's not stupid by any means but my god.....

I'm not getting back in the car ever, if I use it any way and anything happens to it Ana will make me liable for it, I was scared when James brought us back from SM Sucat last week, I'm not letting that happen again.
I'll pay for more lessons, but the question is who can give good lessons.

This is Ana's car, it'll take her five years to pay for it and she has not factored in all the other costs, I am not paying any of it not ever, she does not earn enough in Korea to pay for this so she isn't coming back any time soon, so I will be looking for someone new if I can be bothered, might be better to live alone over here.

edit: in 5 years I will be 71, I'm not waiting, she's made her choice.

You're trying to get out of driving now though aren't you Malcolm, it'd be good if your wife was ready to ferry you around.

Have you got any other information on this topic John, re my opening questions?

Are there any insurance companies that offer anything like the protection level of a UK policy for example?

Thanks for that John, your insurance is a bit better than what Ana got for her car although injury limits are a bit poorer than Ana got.

Overall the cover looks a lot worse than a comprehensive policy in the UK, so maybe that's normal here, Ana has insured with 'Prudential Guarantee' whoever they are.

Do you pay separately for CTPL, like is the CTPL a fixed insurance fee and then the comprehensive policy is an addon or upgrade?

I ask because there is a document in the collection that Lhoti (Ana's neice) dropped off yesterday that suggests CTPL cover for three years for a total of about 1600 peso.

She bought it new, god knows where she got the deposit from, it's not even in her name a family member put the vehicle in their name, I'm trying to get to the bottom of who is insured never mind anything else, I think my son is covered and I've asked Lhoti to explicitly send a letter to him that names him as an authorised driver.

Freakin insane the whole f***ING thing.