All new 2014 Honda Jazz (3rd Gen)

**pedrosantosjr** · June 28th, 2017 05:05 PM

Isa pa pong question, this time regarding comprehensive insurance. The casa quoted 35K (Malayan Insurance) and 30K (Fortune Insurance). OK po ba ito? Parang mahal kasi, especially yung Malayan. This is for the Jazz VX.

I'm considering getting insurance directly from an insurance company. My questions are:

1) Any insurance companies you can recommend?
2) Can I get from any insurance company, or does Honda have a list of "accredited" or "recognized" insurance companies?
3) Are comprehensive insurance policies standard, or ibaiba pa yung terms? Kasi if this is pretty standard, price na lang ang titingnan ko. If they're not standard, what are the things I should look for?

Also, if it matters, I bought the car in cash, so hindi ako dumaan sa bank. Thank you in advance for the help!

**perfectstranger** · June 28th, 2017 06:45 PM

naging problema ko rin yang insurance. the best advice i can give you is to canvass via email. eto mga napagtanungan ko mapapansin mo laki ng difference:
mapfre - 31k
in house sa honda - 27k (estimate lang ng SA so it's not official)
fgen - 26k (if i remember it correctly nasa mga ganitong range)
charter ping an - 22k

obviously i went with the cheapest. sa 15 years ko driving, i only needed to claim insurance once. don't know what are the disadvantages with my decision to choose charter since i never dealt with them before, but i guess i'll just risk it. AXA group naman ito connected to metrobank so it should not be that bad.

**bluet0ps** · June 29th, 2017 01:04 AM

Originally Posted by perfectstranger

sir bluet0ps, available na OR/CR nyo? if yes, how long did it take?

I replied to your pm. Just don't know what happened. Anyway 2wks bago naemail sakin.

Re insurance, mine is carfinity, 25k for the v cvt. What i like about it is 2k participation fee lang compared sa 4k daw sa iba.

**pedrosantosjr** · June 29th, 2017 06:18 PM

How much yung participation fee/deductible mo sa Charter? Also, ano yung coverage for bodily injury and property damage? Thanks!

Thanks!

Originally Posted by perfectstranger

naging problema ko rin yang insurance. the best advice i can give you is to canvass via email. eto mga napagtanungan ko mapapansin mo laki ng difference:
mapfre - 31k
in house sa honda - 27k (estimate lang ng SA so it's not official)
fgen - 26k (if i remember it correctly nasa mga ganitong range)
charter ping an - 22k

obviously i went with the cheapest. sa 15 years ko driving, i only needed to claim insurance once. don't know what are the disadvantages with my decision to choose charter since i never dealt with them before, but i guess i'll just risk it. AXA group naman ito connected to metrobank so it should not be that bad.

**pedrosantosjr** · June 29th, 2017 06:20 PM

Did you haggle for the participation fee? Halos lahat ng nagququote sakin, minimum of 0.5% of the SRP daw ang participation fee. For the Jazz VX (933K SRP), laging 4.6K yung participation fee.

Originally Posted by bluet0ps

I replied to your pm. Just don't know what happened. Anyway 2wks bago naemail sakin.

Re insurance, mine is carfinity, 25k for the v cvt. What i like about it is 2k participation fee lang compared sa 4k daw sa iba.

**redenjaja** · June 29th, 2017 06:24 PM

Originally Posted by pedrosantosjr

Did you haggle for the participation fee? Halos lahat ng nagququote sakin, minimum of 0.5% of the SRP daw ang participation fee. For the Jazz VX (933K SRP), laging 4.6K yung participation fee.

yung sa amin 26k insurance for vx in house ng honda kasama na tpl

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**pedrosantosjr** · June 29th, 2017 06:27 PM

Originally Posted by redenjaja

yung sa amin 26k insurance for vx in house ng honda kasama na tpl

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Wow mababa. 30k lowest offer sakin ng casa for the Jazz VX. Anong insurance company ginamit ng casa? Fortune yung sakin. Also, financing ba car mo or did you pay in cash? Thanks!

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**redenjaja** · June 29th, 2017 06:35 PM

mapre at financing lang yung sa amin

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**bluet0ps** · June 30th, 2017 05:42 AM

Originally Posted by pedrosantosjr

Did you haggle for the participation fee? Halos lahat ng nagququote sakin, minimum of 0.5% of the SRP daw ang participation fee. For the Jazz VX (933K SRP), laging 4.6K yung participation fee.

Nope. Barkada ko yung kinunan ko. I didn't haggle na since dun ko nalang sya pinabayaan kumita. He's a bank manager kasi na magfifinance sana sa jazz ko. Pero nanghinayang ako sa interest kaya kinash nalang namin.