Alphas 2nd Gear February 21, 2014 Share February 21, 2014 Ok It is time to renew my car insurance. Firstly my car is on its last year liao 9 years old. Next renewal on 30 Apr with 30% NCD, currently with NTUC income. If I renew with NTUC income again. drivo CLASSIC Plus No excess and amount $$1,256.10 If I renew with AXA Smartdrvie premium workshop No excess amount $1127.39 (after 20% citbank disc) Which one should I choose for more detailed insurance? [idea] AXA got cover theft up to $3000 in SG. Others almost the same. ↡ Advertisement Link to post Share on other sites More sharing options...
Vhtfhwlego Supercharged February 21, 2014 Share February 21, 2014 I called axa regarding car mod, they don't insure modded cars same as aviva. NTUC, heard from mcf, they rejected someone's claim even with right of way. Something to do with round-about junction. Good luck with your decision. Link to post Share on other sites More sharing options...
Nzy Twincharged February 21, 2014 Share February 21, 2014 Just get the cheapest one. 1 Link to post Share on other sites More sharing options...
QQDreamer 4th Gear February 21, 2014 Share February 21, 2014 (edited) Ok It is time to renew my car insurance. Firstly my car is on its last year liao 9 years old. Next renewal on 30 Apr with 30% NCD, currently with NTUC income. If I renew with NTUC income again. drivo CLASSIC Plus No excess and amount $$1,256.10 If I renew with AXA Smartdrvie premium workshop No excess amount $1127.39 (after 20% citbank disc) Which one should I choose for more detailed insurance? [idea] AXA got cover theft up to $3000 in SG. Others almost the same. is your car still under finance loan? if not you go for 3rd party insurance instead of buying comprehensive. If you are not accident prone (touch wood) and your car is left only 1 year to go assuming without finance loan. Just go for 3rd party insurance will do. Should save you alot. And 3rd party one is cheaper than any other comprehensive insurance premium. This is just my opinion, is still up to your own to decide. Edited February 21, 2014 by MkMan Link to post Share on other sites More sharing options...
Alphas 2nd Gear February 21, 2014 Author Share February 21, 2014 I called axa regarding car mod, they don't insure modded cars same as aviva. NTUC, heard from mcf, they rejected someone's claim even with right of way. Something to do with round-about junction. Good luck with your decision. Got once a car reverse onto me, I claim her 100%, no issue with ntuc income. My car only rims are changed, the stock rims are cast iron ones. I doubt AXA will void the insurance. is your car still under finance loan? if not you go for 3rd party insurance instead of buying comprehensive. If you are not accident prone (touch wood) and your car is left only 1 year to go assuming without finance loan. Just go for 3rd party insurance will do. Should save you alot. And 3rd party one is cheaper than any other comprehensive insurance premium. This is just my opinion, is still up to your own to decide. Fully paid up. But I still prefer comprehensive for a piece of mind Link to post Share on other sites More sharing options...
Vhtfhwlego Supercharged February 21, 2014 Share February 21, 2014 Got once a car reverse onto me, I claim her 100%, no issue with ntuc income. My car only rims are changed, the stock rims are cast iron ones. I doubt AXA will void the insurance. Fully paid up. But I still prefer comprehensive for a piece of mind http://www.citibank.com.sg/gcb/insurance/smart_drive.htm The 3rd party link from the above webpage? - Your car has not been modified from the manufacturer's standard specifications Still having doubts? Call 1800 880 4888. Link to post Share on other sites More sharing options...
Kingkong 5th Gear February 21, 2014 Share February 21, 2014 Got once a car reverse onto me, I claim her 100%, no issue with ntuc income. My car only rims are changed, the stock rims are cast iron ones. I doubt AXA will void the insurance. Fully paid up. But I still prefer comprehensive for a piece of mind Rims should be ok. AXA no excess for windscreen. But pls confirm yar. Link to post Share on other sites More sharing options...
Vhtfhwlego Supercharged February 21, 2014 Share February 21, 2014 nowadays buy insurance very scary. They can void your claims for the simple mod like light bulbs etc. Link to post Share on other sites More sharing options...
Alphas 2nd Gear February 21, 2014 Author Share February 21, 2014 http://www.citibank.com.sg/gcb/insurance/smart_drive.htm The 3rd party link from the above webpage? - Your car has not been modified from the manufacturer's standard specifications Still having doubts? Call 1800 880 4888. Yes it is from this Link to post Share on other sites More sharing options...
Vhtfhwlego Supercharged February 21, 2014 Share February 21, 2014 Yes it is from thisCall them.I know they will void if found to be modify because I had checked myself. Link to post Share on other sites More sharing options...
Wpohwah 1st Gear February 21, 2014 Share February 21, 2014 Call Oliver or sms 93239933 / 64693922 or visit: InsureMyCar.com.sg I got the cheapest insurance from Oliver...... 1 Link to post Share on other sites More sharing options...
Locknload 5th Gear February 21, 2014 Share February 21, 2014 Call Oliver or sms 93239933 / 64693922 or visit: InsureMyCar.com.sg I got the cheapest insurance from Oliver...... Agreed, have been with them for many years, better than most and very efficient with their own w/shop in AMK. 1 Link to post Share on other sites More sharing options...
Fitvip Supersonic February 21, 2014 Share February 21, 2014 Rims should be ok. AXA no excess for windscreen. But pls confirm yar. AXA no excess for windscreen and unlimited claim! Link to post Share on other sites More sharing options...
Tohto Hypersonic February 21, 2014 Share February 21, 2014 (edited) I am on AXA, claimed windscreen repair last year twice for small crack hit by flying stone. What surprise me for both time repair, they paid me cash $50 through WS upon repaired for not changing the whole windscreen. Renew my insurance with them again and no increase in premium. Actually it was slightly lower for loyalty discount. My AXA also cover 'act of God's damage. Eg. Flooding, falling tree etc.. Edited February 21, 2014 by Tohto Link to post Share on other sites More sharing options...
Enye Hypersonic February 21, 2014 Share February 21, 2014 Got once a car reverse onto me, I claim her 100%, no issue with ntuc income. My car only rims are changed, the stock rims are cast iron ones. I doubt AXA will void the insurance. Fully paid up. But I still prefer comprehensive for a piece of mind don't worry too much I am on 3rd party fire and theft for many years liao save at least half the premium Link to post Share on other sites More sharing options...
TVT Supercharged February 21, 2014 Share February 21, 2014 don't worry too much I am on 3rd party fire and theft for many years liao save at least half the premium You are not worried your own car damaged is too great and very costly to repair it ??? Link to post Share on other sites More sharing options...
Nzy Twincharged February 21, 2014 Share February 21, 2014 (edited) You are not worried your own car damaged is too great and very costly to repair it ??? I guess its a risk you have to take. My family have been using 3rd party only for our past 3 cars from the day they were bought. Now my own car also on 3rd party only. Saved alot already. Amount we saved have gone in to respraying the cars occasionally when there are too many dents and scratches and the 2 incidents where someone hit our car and ran and still spent less than what we saved. Edited February 21, 2014 by Nzy Link to post Share on other sites More sharing options...
Mahjong74 Supercharged February 21, 2014 Share February 21, 2014 don't worry too much I am on 3rd party fire and theft for many years liao save at least half the premium How much your 3rd party insurance? And from which insurance company? Can save half the premium! That's good to hear that 39 yrs old male driver with 50% NCD, my comprehensive insurance cost me $600. I don't mind paying $300 for 3rd party. ↡ Advertisement Link to post Share on other sites More sharing options...
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