Kungfu Clutched January 11, 2012 Share January 11, 2012 need advice as cause some insurance mistake agent helped me to source for insurance...so got the lowest quote from hsbc for $xxx, period starts from 14/1/2012 ltr when cleaning my car then discover i had actually extend my insurance with chartis when converting my car to opc so as to renew road tax, cvrs until 3/6/2012 so faster notify the agent.....she then ltr called to say hsbc can cancel the new policy but must charge $50,and they had already deducted the $xxx from my card sure suck man....kanna $50 for nothing so i propose the following but dun know if hsbc will buy what i propose is i promise to renew with hsbc when it is finally due to renew my insurance,hence propose to hsbc to retain the $940.24 and use it to renew for 4/6/2012 onwards. need be i can top up or any excess they can use to extend the insurance(i am willing to top up for any extension) worse case being the total cancellation under bo pian policy and last of renewing under hsbc anymore as far as i am concerned and she being my agent,even if i need pay slightly more to renew elsewhere. ↡ Advertisement Link to post Share on other sites More sharing options...
Xers007 Supercharged January 11, 2012 Share January 11, 2012 can try but i doubt can work... keep us informed how it goes... Link to post Share on other sites More sharing options...
Liuz0004 Clutched January 11, 2012 Share January 11, 2012 actually from now till 3rd june is 6 months. u lose $400+ assuming your insurance is $940 like wat u mentioned. if cancel, u lose $50. i tink i will cancel and take $50 as a lesson learnt. or try to seek approval to start the insurance from 4th june instead and continue the policy with them? Link to post Share on other sites More sharing options...
Calvin79 2nd Gear January 11, 2012 Share January 11, 2012 No way will HSBC agree to that la... what if you get into accidents this year Link to post Share on other sites More sharing options...
Kungfu Clutched January 11, 2012 Author Share January 11, 2012 i dun quite get it.....my extended insurance with chartis till 3/6/2012......any !!!!!....of cse i will claim with chartis hsbc if ok.....will only starts 4/6/2012......what's the confusion about???? Link to post Share on other sites More sharing options...
PSP415 Supersonic January 11, 2012 Share January 11, 2012 Wat IF 6 mths later, yr HSBC is much more expensive den whichever other quotes received? Den u will still hv to insure at a much higher premium den e $50 charge? Tink may b neater to cancel HSBC policy + try whether dey can consider waiver as it was a genuine mistake....who wld wan to insure same vehicle under same owner twice? Just my tots. Safe ride Cheers 1 Link to post Share on other sites More sharing options...
Alghojo Neutral Newbie January 11, 2012 Share January 11, 2012 i dun quite get it.....my extended insurance with chartis till 3/6/2012......any !!!!!....of cse i will claim with chartis hsbc if ok.....will only starts 4/6/2012......what's the confusion about???? if got any claim, your premium will be different Link to post Share on other sites More sharing options...
Thunder7890 Neutral Newbie January 11, 2012 Share January 11, 2012 HSBC will still charge you be it you will insure with them later or not. Once the insurance carbon note issued out and later cancel, you have to bear the admin charge. No way they will waive you. Link to post Share on other sites More sharing options...
macrosszero Turbocharged January 11, 2012 Share January 11, 2012 Cut your losses and forgo the fifty Link to post Share on other sites More sharing options...
Kungfu Clutched January 11, 2012 Author Share January 11, 2012 i know if got any claim my premium will be different but similar for all insurers.....this i accept of course....so can save $50 what if no claim..........mine OPC seldom used.............so claim very rare... Link to post Share on other sites More sharing options...
Xers007 Supercharged January 11, 2012 Share January 11, 2012 no claim the premium also will increase what... you dont know our premium is ever increasing meh... forgo the 50 loh LL one... Link to post Share on other sites More sharing options...
Kungfu Clutched January 11, 2012 Author Share January 11, 2012 if no claim hsbc increase.......then others will also increase........i very prudent....trying to save $50 Link to post Share on other sites More sharing options...
Monoswift Clutched January 11, 2012 Share January 11, 2012 eh but insurance can cover double period one meh? coz last time before i sign up for mine, i tried motorboi for online qoutation..but later i signed with another coy.. but subsequently, motorboi ppl called up asking about the qoutation and also asked whether i have signed up already as from her record, they can see my insurance already extended leh.. i not too sure how motorboi knows that i have already signed but if they can find out i believe HSBC should be able to do so too before your agent process for you too ma... Link to post Share on other sites More sharing options...
Unfair 3rd Gear January 11, 2012 Share January 11, 2012 They all have a shared system that lets them see your insurance coverage and claims made before leh. So how you can get double cover must be due to human mistake. Link to post Share on other sites More sharing options...
Kungfu Clutched January 11, 2012 Author Share January 11, 2012 mine is extension of insurance..........maybe they can't see Link to post Share on other sites More sharing options...
Mysportwish 1st Gear January 11, 2012 Share January 11, 2012 cease chartis early and get a prorate refund from chartis Link to post Share on other sites More sharing options...
Fitvip Supersonic January 11, 2012 Share January 11, 2012 Wah, double protection huh? Link to post Share on other sites More sharing options...
Kwchan 1st Gear January 11, 2012 Share January 11, 2012 or cancel your chartis policy early and get back a pro-rate refund of the amount u paid... then keep the HSBC policy? ↡ Advertisement Link to post Share on other sites More sharing options...
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