Standard Insurance Sta.Rosa

Typhoon season na!
At kung may upcoming travel trip ka, ito ang kailangan mong malaman bago pa bumagyo.

Kung na-cancel ang flight mo dahil sa bagyo:

✈️ Airline
Required silang mag-offer ng full refund o rebooking. Pero yung prepaid hotel, tours, at restaurant reservations? Case to case basis but in general, wala silang pananagutan doon. Ikaw na ang mag shoulder.

🏨 Hotel
Kung non-refundable ang booking mo, most hotels ay hindi mag-rerefund kahit force majeure. Depende sa cancellation policy nila.

🎡Tour packages at tickets
Same situation. Non-refundable ang karamihan. Gone na iyon.

Pero kung may Travel Insurance ka:
✅ Trip Cancellation Ang prepaid, non-refundable na halaga ng trip mo ay pwedeng i-claim kung na-cancel ang flight dahil sa covered reason tulad ng bagyo.

✅ Delayed Departure Kung na-delay ng 6 hours or more ang flight mo, may allowance ka para sa meals at accommodation habang naghihintay.

✅ Trip Curtailment Kung nasa gitna ka na ng trip at kailangan kang bumalik dahil sa emergency, covered din.

Tatlong bagay na dapat tandaan:
1️⃣ Bilhin ang travel insurance sa 7 days before your travel date, hindi the night before ng flight.

2️⃣ Kung naka-signal na ang bagyo bago ka nag-purchase, hindi na covered ang cancellation related sa bagyo na iyon. Pre-existing event na siya.

3️⃣ I-keep ang lahat ng receipts ng prepaid expenses, kailangan mo ito para sa claim.

Ang travel insurance cannot eliminate travel inconveniences but it makes sure na hindi ka financially devastated when it happens.

If you like this content, share mo 'to sa mga friends mo na may upcoming trips this typhoon season.

Subject to policy terms and conditions.
Coverage subject to policy inclusions and exclusions.

Still thinking about it? You already have the destination in mind. You have the dates. You're already searching for flights.

The only thing missing from your checklist is travel insurance. The world is waiting and we're with you every step of the way.

Get your travel insurance today!

No gatekeeping.

Ito ang pinaka-efficient na paraan para ma-register ang kotse mo sa LTO nang hindi ka nag-aabang buong araw. 🧵

Step 1: Kumuha ng CTPL bago pumunta sa LTO.
Required ito para makapag-register. Makukuha mo online via GCash, Standard Insurance website, o sa branch. Ilang minutes lang, tapos na agad yan.

Step 2: I-settle ang Motor Vehicle Inspection (MVIS) mo.
Pumunta sa accredited inspection center. Dito ini-inspect ang vehicle mo kung roadworthy ba.

Tip: pumunta ng maaga bago mag-8AM.
Para hindi pa mahaba ang pila.

Step 3: I-prepare ang documents.
✅ OR/CR (previous)
✅ CTPL Certificate of Cover (COC)
✅ MVIS Certificate
✅ Emission Test Result (kung applicable)

Tip: Pumunta sa pinakamalapit na PMVIC (Private Motor Vehicle Inspection). All-in-one na dito kasama na Emission and Vehicle Inspection

Step 4: Pumunta sa LTO.
Pumunta ng maaga. Ibigay ang documents.
Bayaran ang registration fee. Done.

Step 5: Hintayin ang bagong OR.
Minsan same day, minsan 1-2 weeks pa bago ma-release. Pero technically — registered ka na.

Hack Tip:
I-schedule ang inspection at LTO visit on the same day para hindi ka pabalik-balik. ✅

May comprehensive ka na ba kasama ng CTPL mo? Kung wala pa, message us. 👇

Subject to LTO guidelines and requirements.
May vary by region.

Tulad ng mga TOTGA, hindi nagpapaalam ang bagyo bago dumating. Dumadating lang biglaan sa hindi inaasahang pagkakataon.

Ang pagkakaiba lang ay kaya mong maging handa.
Message us for a Car Insurance quote. 🤝

Typhoon Season Tip: 5 bagay na dapat gawin kung nabaha ang kotse mo:

📌 HUWAG i-start agad — ito ang pinaka-importante sa lahat. Isang attempt lang, pwedeng ma-total loss ang makina.
📌 Tumawag agad sa (02) 8845-1111
📌 Kumuha ng photos at videos — before and after ng baha.
📌 I-report ang claim within 7 days.
📌 Huwag i-repair bago ma-inspect ng Standard Insurance.

Tandaan: kailangan ng AON coverage para ma-cover ang flood damage ng iyong sasakyan.

Subject to policy terms and conditions. Share mo na ito ngayon bago mo pa kailanganin.

Bago ang Typhoon Season, i-check ang expiry date ng CTPL mo.

Brand new vehicle: 3-year CTPL.
Renewal: 1-year CTPL.

Expired ang CTPL mo = expired ang LTO registration mo = pinara ka sa checkpoint = problema.

At sa typhoon season mas maraming checkpoint.
Mas mataas ang risk na masita ka.e

Renew your CTPL just visit https://tinyurl.com/SICTPL o mag message sa aming page.

Share this post para maiwasan ma-tiketan.

Park at your own risk?

Theft doesn't care about precautions.
Ang masaklap pa, hinuhulugan mo pa ang motor mo na 'yon. Part of Motorcycle Insurance is theft coverage.

Kaya message us for a motorcycle insurance quote. 🤝

Bawat habagat, may isang bagay na palaging naiisip — "Sana ginawa ko 'to bago pa mag-ulan."

Ano ang sa'yo?

Travel insurance ang nagpoprotekta sa trip plans mo kahit ma-cancel ang flight dahil sa bagyo.

Ang delayed departure at trip cancellation coverage are some of the benefits of having travel insurance.

Make sure you are ready for uncertainty. Add travel insurance to your next travel trip.

Mas mura kaysa isang cancelled flight na wala kang marereimburse when everything is prepared and paid in advance.

Subject to policy terms and conditions. Save this for future reference.

Some car owners find out their insurance has lapsed after an accident. Nag pa-esimtate sa CASA at yung repair bill?

Hindi pasok sa budget at dito mo na lang nalaman na expired na ang car insurance mo.

Hindi sa renewal notice, hindi sa reminder ng bank.
Kaya sa Facebook group ka na lang naghahanap ng pinakamurang talyer.

Your policy has an expiry date and it doesn't wait for a convenient time to lapse.

Ang tamang oras para malaman kung covered ka pa, hindi sa aksidente. Ngayon.

Check your policy before the road does it for you.
Message us if your policy has lapsed and let's renew your car insurance policy with us.🤝