Horrible From D*r*ct *sia insurance.

[Good-Carbuyer]

they refund the premium because they want to cancel the insurance from the date it was in effect. not from the day they informed him of the decision. even i didnt know that it was possible.

 

add: premium for their 2005 honda civic 1.6 vti is 2.8k. if my bro in law did not put in my sis as a named driver would be 1.7k. because he is over 30 and 10yrs experience. but he willing to pay higher for peace of mind. in the end still np peace of mind

Can ask the said Insurer, if the Insurer had taken their vicitms (LTA inclusive) for a ride?

[Blackyv]

Look at the contract fine print.. I am on direct asia too.. As far as i know, there is no clause that states that named driver cannot drive most of the time..

 

Pure BS excuse. I have never seen a buffet with policy of children cannot eat more than adult since children pay lesser.. wat a crap.. I would say, stomp it! Write in to all papers asking for clarification and enlightenment ....

Edited November 21, 2011 by Blackyv

[Darryn]

Here's a screen grab from the DA website -

 

Note that it says MAIN driver. My guess is bro in law named himself as the main driver, but in reality sis was main driver.

 

Conclusion I would draw

1. They were trying to save money by putting in bro in law name when it should have been sis

2. They were cuckoo and didn't talk to the investigator properly

3. The Audi driver needs to be donkey raped

[Soufigo]

Here's a screen grab from the DA website -

 

Note that it says MAIN driver. My guess is bro in law named himself as the main driver, but in reality sis was main driver.

 

Conclusion I would draw

1. They were trying to save money by putting in bro in law name when it should have been sis

2. They were cuckoo and didn't talk to the investigator properly

3. The Audi driver needs to be donkey raped

 

im not on DA so i dont know their procedure and the distinction between Main and Named for DA. of cuz everyone is trying to save money in these financial times. but he didnt do the shortcut way ( he still put sis name and payed 1.1k more for it). Bro in law is the owner of the vehicle so i guess he put his name as main driver then. just my guess. did not ask also. and he was driving up until he was posted to night shift and bought a bike so that my sis can drive to work.

 

but where does it state that a named driver cannot drive more than main driver? in the context of sg insurance as far as i know. more than 2yrs driving is not considered inexperienced driver.

[Darryn]

im not on DA so i dont know their procedure and the distinction between Main and Named for DA. of cuz everyone is trying to save money in these financial times. but he didnt do the shortcut way ( he still put sis name and payed 1.1k more for it). Bro in law is the owner of the vehicle so i guess he put his name as main driver then. just my guess. did not ask also. and he was driving up until he was posted to night shift and bought a bike so that my sis can drive to work.

 

but where does it state that a named driver cannot drive more than main driver? in the context of sg insurance as far as i know. more than 2yrs driving is not considered inexperienced driver.

 

It's kind of a pedantic argument - but doesn't "main" have a pretty clear and straightforward meaning in the english language?

 

Copying directly from dictionary.com, the first definition of main states:

 

 

adjective

1.

chief in size, extent, or importance; principal; leading: the company's main office; the main features of a plan

 

In terms of a driver, wouldn't you then expect the "main driver" to be the one that uses the car most of the time, or does the predominance of the driving?

 

If you want to try and torture another meaning out of it - you are going to tie yourself into knots.

 

The "main" (heh heh) lesson to be learnt here - understand what insurance you have bought and talk to the insurance company accordingly.

 

P.S - I also am not on DA - it just bugs me a little when people do stuff outside of their policy and then come looking for sympathy.

Edited November 21, 2011 by Darryn

[0wnage]

Recently my sister got into an accident with an Audi A6. the result was only a minor scratch. however, the driver wanted to change the whole bumper ( he could have just repsrayed). total bill came up to 10k. trust me, when i look at the picture taken. there was no dent at all and even the scratch i cannot see until my sis pointed it out. probably about 1x5cm.

 

My sister's car is covered by D*r*ct *sia . dont know about the other party though. my Bro in law is the insured, and my sis was the NAMED driver. she is 26yrs old with more than 2 years driving experience. at first her insurance wanted to protest the claim by the other party as they consider it excessive claim. so they send an investigator to interview my sister.

 

then suddenly out of the blue, they contact my bro in law to inform him that they will cancel his insurance right from the start and refund the premium paid by my bro in law. Reason they gave was that had they known my sister would be driving more than her husband, they would not have covered the car. i was thinking what kind of a stupid reason was this? trying to escape having to pay for the excessive damage by other party? My bro in law paid a higher premium by putting in my sis as a named driver and this is what he got?

 

MY question is are there any solution for them? i mean this case is freaking ridiculous. suddenly revoking the insurance and leave my bro in law and sis in a limbo.

 

i had a case with another insurance company. there was a mistake in quoting by my agent because i specifically told her that i had no ncd but she told the company i am liable for 10% ncd. the result was just to top up the difference. in no way did the company want to cancel the insurance even though they said had they known i had an accident last yr they would not have offered to cover my vehicle.

 

I do think that the audi driver is making an excessive claim.

However, DA shouldn't have the right to terminate your insurance policy.

You should take the matter to court and especially against this type of insurance company.

[TandemAssassin]

What they need to do is to consult lawyers. Not the bush lawyers on MCF.

[Soufigo]

It's kind of a pedantic argument - but doesn't "main" have a pretty clear and straightforward meaning in the english language?

 

Copying directly from dictionary.com, the first definition of main states:

 

 

adjective

1.

chief in size, extent, or importance; principal; leading: the company's main office; the main features of a plan

 

In terms of a driver, wouldn't you then expect the "main driver" to be the one that uses the car most of the time, or does the predominance of the driving?

 

If you want to try and torture another meaning out of it - you are going to tie yourself into knots.

 

The "main" (heh heh) lesson to be learnt here - understand what insurance you have bought and talk to the insurance company accordingly.

 

P.S - I also am not on DA - it just bugs me a little when people do stuff outside of their policy and then come looking for sympathy.

 

 

ok ure right, i got mixed up with my own insurance policy. cuz mine only have insured and named. no main driver.

 

anyway, not asking for sympathy. this is complaints section. im not the victim. i just feel ppl should know and probably have some solution to their predicament.. i wouldnt go to stomp or main media because might cause further confusion or unwanted troubles if u know what i mean.

 

they probably had this up their sleeves and obviously know the workaround etc etc. go to court? im sure they have the upperhand and are well prepared.

 

but to revoke the insurance after agreeing to protest the excessive claim is just an easy escape.

[Soufigo]

What they need to do is to consult lawyers. Not the bush lawyers on MCF.

 

 

noted will inform them accordingly.

[Darryn]

ok ure right, i got mixed up with my own insurance policy. cuz mine only have insured and named. no main driver.

 

anyway, not asking for sympathy. this is complaints section. im not the victim. i just feel ppl should know and probably have some solution to their predicament.. i wouldnt go to stomp or main media because might cause further confusion or unwanted troubles if u know what i mean.

 

they probably had this up their sleeves and obviously know the workaround etc etc. go to court? im sure they have the upperhand and are well prepared.

 

but to revoke the insurance after agreeing to protest the excessive claim is just an easy escape.

 

I also don't want to come off as "santicmonius" or anything like that. Anytime we can save a $$ I normally go for it. The main thing that I would tell people in such a situation is to understand what you have bought - and talk to people accordingly. If you are prepared there are many many ways you can chat to them that will not get you into trouble.

 

BUT on a different note - I feel the real villian here is the Audi driver - and I feel that it is a problem in general. People want to "replace with new" even when there is a very small scratch and a replacement really is not needed. It's a very different attitude to what I am used to.

 

[Jayy25]

Actually when someone buys an insurance from those webby insurance at a cheap rate we must read very carefully about their terms and conditions (well I also guilty of browsing through them too)

in this case, I believe Directasia is right (sadly) cos they are trying to catch the loophole during the interview and the poor lady just walked into it.

Of cos cannot blame the lady too since she already blur from the earlier incident.

The thing is if you want cheap rates then we need to be smart to play with them on their grounds...

 

 

in fact Aviva lagi best... no mods at all!!!! as in if you changed the rims they will throw out your policy right away given an accident happened.

and in fact all insurance companies are "smelly".. do you really think they are here to protect you.. dream on....

 

 

[Shull]

I also don't want to come off as "santicmonius" or anything like that. Anytime we can save a $$ I normally go for it. The main thing that I would tell people in such a situation is to understand what you have bought - and talk to people accordingly. If you are prepared there are many many ways you can chat to them that will not get you into trouble.

 

BUT on a different note - I feel the real villian here is the Audi driver - and I feel that it is a problem in general. People want to "replace with new" even when there is a very small scratch and a replacement really is not needed. It's a very different attitude to what I am used to.

 

Yah.. many people don't realise that claiming excessively not only affect the premium of the driver he/she is claming from, but everyone's premium in general.

[Galantspeedz]

lets say both my wife and i are working now.... so i use the car most of the time... then she decided to take a break and resign and now she uses the car most of the time

 

so i need to change my insurance poilicy halfway?

 

so your wife say she drives more but if husband says he drive more how?

[Darryn]

lets say both my wife and i are working now.... so i use the car most of the time... then she decided to take a break and resign and now she uses the car most of the time

 

so i need to change my insurance poilicy halfway?

 

so your wife say she drives more but if husband says he drive more how?

 

I am not a laywer so really not qualified to answer...BUT

 

By right, if there is a material change in how the car is being used, you are supposed to inform the insurance company.

[Shull]

lets say both my wife and i are working now.... so i use the car most of the time... then she decided to take a break and resign and now she uses the car most of the time

 

so i need to change my insurance poilicy halfway?

 

so your wife say she drives more but if husband says he drive more how?

 

Usual practice of big insurance like AXA is that they're not particular on who drive the car.. Even unnamed/underage/P-plate can drive, just that anything happen when they're driving, the excess is higher.

 

But nowadays, all these budget insurance company are quite particular.. just like the recent fiasco on Aviva voiding insurance for cosmetic mods..

 

Anyway, i think i should dump DA asap and jump over to more established insurance coy.

Edited November 21, 2011 by Shull

[Alim]

Recently my sister got into an accident with an Audi A6. the result was only a minor scratch. however, the driver wanted to change the whole bumper ( he could have just repsrayed). total bill came up to 10k. trust me, when i look at the picture taken. there was no dent at all and even the scratch i cannot see until my sis pointed it out. probably about 1x5cm.

 

My sister's car is covered by D*r*ct *sia . dont know about the other party though. my Bro in law is the insured, and my sis was the NAMED driver. she is 26yrs old with more than 2 years driving experience. at first her insurance wanted to protest the claim by the other party as they consider it excessive claim. so they send an investigator to interview my sister.

 

then suddenly out of the blue, they contact my bro in law to inform him that they will cancel his insurance right from the start and refund the premium paid by my bro in law. Reason they gave was that had they known my sister would be driving more than her husband, they would not have covered the car. i was thinking what kind of a stupid reason was this? trying to escape having to pay for the excessive damage by other party? My bro in law paid a higher premium by putting in my sis as a named driver and this is what he got?

 

MY question is are there any solution for them? i mean this case is freaking ridiculous. suddenly revoking the insurance and leave my bro in law and sis in a limbo.

 

i had a case with another insurance company. there was a mistake in quoting by my agent because i specifically told her that i had no ncd but she told the company i am liable for 10% ncd. the result was just to top up the difference. in no way did the company want to cancel the insurance even though they said had they known i had an accident last yr they would not have offered to cover my vehicle.

 

 

If your sis a named driver in insurance cert and declaration is true, they have to settle.

 

If they do not wish to cover after this, they have every right to not take your biz.

 

 

[Soufigo]

Usual practice of big insurance like AXA is that they're not particular on who drive the car.. Even unnamed/underage/P-plate can drive, just that anything happen when they're driving, the excess is higher.

 

But nowadays, all these budget insurance company are quite particular.. just like the recent fiasco on Aviva voiding insurance for cosmetic mods..

 

Anyway, i think i should dump DA asap and jump over to more established insurance coy.

 

yup, even Tenet also not particular. and i consider tenet as one of the smaller companies. MSIG also do not discriminate.

[Galantspeedz]

I am not a laywer so really not qualified to answer...BUT

 

By right, if there is a material change in how the car is being used, you are supposed to inform the insurance company.

 

there is essentially no change.... both are driven to work and back....