Othello Supersonic May 27, 2015 Share May 27, 2015 More fine prints discovered, called & verified. Being used to carry goods for payment. Say I sell something online like a used underwear, drive car to post office to mail the underwear, insurance will be void. Not verified are "Many of the drivers are salesman which often bring along sample for their trade. In course of work cannot bring sample goods?" Why make things so hard for the consumer? there are still many others insurers, some even cheaper too ↡ Advertisement Link to post Share on other sites More sharing options...
Mr_b20 6th Gear May 27, 2015 Share May 27, 2015 More fine prints discovered, called & verified. Being used to carry goods for payment. Say I sell something online like a used underwear, drive car to post office to mail the underwear, insurance will be void. Not verified are "Many of the drivers are salesman which often bring along sample for their trade. In course of work cannot bring sample goods?" Why make things so hard for the consumer? tsk tsk tsk Link to post Share on other sites More sharing options...
Johnnylim 5th Gear May 27, 2015 Share May 27, 2015 tsk tsk tsk DIRECT ASIA last replied n seen on18/2/05 Maybe resign liao Link to post Share on other sites More sharing options...
Vhtfhwlego Supercharged May 27, 2015 Share May 27, 2015 there are still many others insurers, some even cheaper too They offered the lowest for my 2 door coupe so no choice. The next second lower offer were $600 more expensive. Link to post Share on other sites More sharing options...
Vid Hypersonic May 27, 2015 Share May 27, 2015 More fine prints discovered, called & verified. Being used to carry goods for payment. Say I sell something online like a used underwear, drive car to post office to mail the underwear, insurance will be void. Not verified are "Many of the drivers are salesman which often bring along sample for their trade. In course of work cannot bring sample goods?" Why make things so hard for the consumer? I think the question would be, how would DA know that you are on your way to sell your used underwear if you don't tell them? Link to post Share on other sites More sharing options...
Vhtfhwlego Supercharged May 27, 2015 Share May 27, 2015 I think the question would be, how would DA know that you are on your way to sell your used underwear if you don't tell them? Rules are rules. I have 2 third party claims with them and not much hassle or would I say, they don't bother as I'm claiming against others. If that I'm in an accident which is my fault and they start to question me and unknowing telling them the truth, how? Link to post Share on other sites More sharing options...
Vid Hypersonic May 27, 2015 Share May 27, 2015 Rules are rules. I have 2 third party claims with them and not much hassle or would I say, they don't bother as I'm claiming against others. If that I'm in an accident which is my fault and they start to question me and unknowing telling them the truth, how? So it's good to know all the terms and conditions in advance Link to post Share on other sites More sharing options...
Mcf777 Turbocharged May 27, 2015 Share May 27, 2015 So it's good to know all the terms and conditions in advance how many of you read the T&C before signing the policy/contract? even though you read thru, you may not be able to understand what they meant. too chim ka logy for layman term Link to post Share on other sites More sharing options...
Vhtfhwlego Supercharged May 27, 2015 Share May 27, 2015 So it's good to know all the terms and conditions in advance Another fine print:- loss or damage caused by or by leaving your car in an unsafe position after it broke down, suffered accidental damage or was stolen and then found and you were notified; Will they void my insurance if I'm kanna bang by others when I broke down at say a bend or middle of the road. Tomorrow will try to call and disturb them. how many of you read the T&C before signing the policy/contract? even though you read thru, you may not be able to understand what they meant. too chim ka logy for layman term I did but never think so so far ahead what is going to happen for the coming year. I know I cannot carry goods at the point of purchase and we often think goods in general are boxes/carton boxes volume. But however the print of Being used to carry goods for payment can be relate to any items transacted for cash which includes used underwears. 1 Link to post Share on other sites More sharing options...
Vid Hypersonic May 27, 2015 Share May 27, 2015 Another fine print:- loss or damage caused by or by leaving your car in an unsafe position after it broke down, suffered accidental damage or was stolen and then found and you were notified; Will they void my insurance if I'm kanna bang by others when I broke down at say a bend or middle of the road. Tomorrow will try to call and disturb them. Maciam like breakdown also must find a good spot to breakdown [laugh] Yes, call them to disturb. nb... so many rules 1 Link to post Share on other sites More sharing options...
Vhtfhwlego Supercharged June 22, 2015 Share June 22, 2015 Maciam like breakdown also must find a good spot to breakdown [laugh] Yes, call them to disturb. nb... so many rules They said, we cannot predict accident, we can't prevent accident from happening and we will be here to assist (somewhere along the line). Yesterday I couldn't drive the vehicle as I had hopped into an ambulance. When I need the car i email & call in DA to say someone need to drive the vehicle which is less than 30 years old but more than 2 years driving experience which is not under my coverage. However since it's a weekend, emails would be left unanswered and the pic I spoke with couldn't assist as she's in-charge of basically towing issues. So I took precaution and got someone which met the criteria to drive. Today I phone in DA, CS informed me I need to inform 7 days to name the driver. So in form of accidents/emergency, I have to plan ahead. Then why use such statements to attract customers when they themselves doesn't have the support for us? Link to post Share on other sites More sharing options...
Galantspeedz Turbocharged June 22, 2015 Share June 22, 2015 They said, we cannot predict accident, we can't prevent accident from happening and we will be here to assist (somewhere along the line). Yesterday I couldn't drive the vehicle as I had hopped into an ambulance. When I need the car i email & call in DA to say someone need to drive the vehicle which is less than 30 years old but more than 2 years driving experience which is not under my coverage. However since it's a weekend, emails would be left unanswered and the pic I spoke with couldn't assist as she's in-charge of basically towing issues. So I took precaution and got someone which met the criteria to drive. Today I phone in DA, CS informed me I need to inform 7 days to name the driver. So in form of accidents/emergency, I have to plan ahead. Then why use such statements to attract customers when they themselves doesn't have the support for us? that's why $600 cheaper lol Link to post Share on other sites More sharing options...
Vid Hypersonic June 22, 2015 Share June 22, 2015 They said, we cannot predict accident, we can't prevent accident from happening and we will be here to assist (somewhere along the line). Yesterday I couldn't drive the vehicle as I had hopped into an ambulance. When I need the car i email & call in DA to say someone need to drive the vehicle which is less than 30 years old but more than 2 years driving experience which is not under my coverage. However since it's a weekend, emails would be left unanswered and the pic I spoke with couldn't assist as she's in-charge of basically towing issues. So I took precaution and got someone which met the criteria to drive. Today I phone in DA, CS informed me I need to inform 7 days to name the driver. So in form of accidents/emergency, I have to plan ahead. Then why use such statements to attract customers when they themselves doesn't have the support for us? Their job is to find all means and ways not to cover if you deviate even slightly from their terms. Not only that, I think those valet parking also not covered. Or those drive me home after drinking session service also not covered. So, you sway sway accident, then better pray you are the one behind the steering wheeling Link to post Share on other sites More sharing options...
Othello Supersonic June 22, 2015 Share June 22, 2015 They said, we cannot predict accident, we can't prevent accident from happening and we will be here to assist (somewhere along the line). Yesterday I couldn't drive the vehicle as I had hopped into an ambulance. When I need the car i email & call in DA to say someone need to drive the vehicle which is less than 30 years old but more than 2 years driving experience which is not under my coverage. However since it's a weekend, emails would be left unanswered and the pic I spoke with couldn't assist as she's in-charge of basically towing issues. So I took precaution and got someone which met the criteria to drive. Today I phone in DA, CS informed me I need to inform 7 days to name the driver. So in form of accidents/emergency, I have to plan ahead. Then why use such statements to attract customers when they themselves doesn't have the support for us? hope you are alright bro. Yours is a named driver policy ? I understand the need for clear rules, but companies must flexibility when it calls for it. Camping here for answer. Link to post Share on other sites More sharing options...
Darryn Turbocharged June 22, 2015 Share June 22, 2015 Another fine print:- loss or damage caused by or by leaving your car in an unsafe position after it broke down, suffered accidental damage or was stolen and then found and you were notified; Will they void my insurance if I'm kanna bang by others when I broke down at say a bend or middle of the road. Tomorrow will try to call and disturb them. I did but never think so so far ahead what is going to happen for the coming year. I know I cannot carry goods at the point of purchase and we often think goods in general are boxes/carton boxes volume. But however the print of Being used to carry goods for payment can be relate to any items transacted for cash which includes used underwears. This interpretation seems a little "off"" to a simple reading of the contract - I would think "carrying goods for payment" relates to some form of courier service Especially as they already have a clause / option - using the car in the course of your work. What's not so clear to me - I will often deliver small volume printing jobs (eg - 1 carton of fliers) to my clients personally - the client obviously pays for the printing, but I don't charge for "delivery fee" - I wonder if that counts? Link to post Share on other sites More sharing options...
Darryn Turbocharged June 22, 2015 Share June 22, 2015 Their job is to find all means and ways not to cover if you deviate even slightly from their terms. Not only that, I think those valet parking also not covered. Or those drive me home after drinking session service also not covered. So, you sway sway accident, then better pray you are the one behind the steering wheeling This is why you have to be very very careful when using any sort of valet service By rights - a) the valet company should carry insurance to cover you b) the valet company should be very strict on who they employ making sure the employee is covered by most insurance But we all know how by right and by left work... Link to post Share on other sites More sharing options...
Vhtfhwlego Supercharged June 22, 2015 Share June 22, 2015 This interpretation seems a little "off"" to a simple reading of the contract - I would think "carrying goods for payment" relates to some form of courier service Especially as they already have a clause / option - using the car in the course of your work. What's not so clear to me - I will often deliver small volume printing jobs (eg - 1 carton of fliers) to my clients personally - the client obviously pays for the printing, but I don't charge for "delivery fee" - I wonder if that counts? I call and verified it's not allow.Goods for payment is define as anything can be trade/sell for cash which inclusing used underwears. Their job is to find all means and ways not to cover if you deviate even slightly from their terms. Not only that, I think those valet parking also not covered. Or those drive me home after drinking session service also not covered. So, you sway sway accident, then better pray you are the one behind the steering wheeling My job is to find what ever possible ways that I can be caught by their terms hope you are alright bro. Yours is a named driver policy ? I understand the need for clear rules, but companies must flexibility when it calls for it. Camping here for answer. Mine is all drivers +30 years old with 2 years experience. that's why $600 cheaper lol I did max my value with them as i opt for breakdown assistance. Say 1 time towing cost me $60, I tow the car 5/6 times since Dec. And I figure out, next time go drinking, I can get them to tow the car back to my workshop just "behind" my home. 1 Link to post Share on other sites More sharing options...
Darryn Turbocharged June 22, 2015 Share June 22, 2015 I call and verified it's not allow. Goods for payment is define as anything can be trade/sell for cash which inclusing used underwears. My job is to find what ever possible ways that I can be caught by their terms Mine is all drivers +30 years old with 2 years experience. I did max my value with them as i opt for breakdown assistance. Say 1 time towing cost me $60, I tow the car 5/6 times since Dec. And I figure out, next time go drinking, I can get them to tow the car back to my workshop just "behind" my home. Again - something seems to have been lost in translation here - If "any goods for payment" cannot be carried - that would mean I can't even carry a new coffee cup home from the store...which would be a little strange to say the least. It would also mean that ALL outdoor sales staff are not covered - which is logically inconsistent with other parts of the policy. A common sense meaning, one that would be inline with other insurance companies would be "you are not covered if you are being paid to transport goods" which is just another way of phrasing "you are not covered if you are carrying goods for payment" I'm not doubting in the slightest that you called and verified - what I am doubting is that the CS Staff properly understood your question. ↡ Advertisement 1 Link to post Share on other sites More sharing options...
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