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  1. I am with MSIG motor insurance. Had an accident recently. Wanted to bring my ride to Lye Design to repair it. However Mei informed me that they are not an authorised workshop. I informed her that my insurance allows me to go to any workshop but she said they still can't repair for me. Does anyone knows why i can't go to certain workshops to settle the accident claims and yet mine is any workshops?
  2. Hi all, I am sure that many of you will feel the same way as me. This has been happening in Singapore for the longest time and I feel it is time for insurance companies to sort this out. A common scenario is like this: Car A hits Car B from behind, the problem is driver A is intoxicated. B will be placed in a dilemma, if he reports A for drink driving, then insurance for A won't pay for any damages. B will lose out here. But if B reports this as a normal accident and A gets away scot free, then it is likely A will cause further serious even fatal damage down the road with their habit Insurance companies should be forced to pay up on behalf of their insured driver for the assessed liabilities and then afterward sue their client (drunk driver) for compensation. Reason being they have the resources to engage lawyers to easily get this done. On the other hand, which car driver (in B's shoes) is going to engage a lawyer to fight his case, knowing the costs are prohibitive etc. So for the moment, anyone who is in B's shoes will suffer financial loss from such accidents unnecessarily even though they are totally not at fault If we buy insurance, then we should it to cover our bs should the need arise especially when we are not at fault, otherwise we buy for what?
  3. Hi members, I got the cheapest quote from Budget Direct and likely will be buying from them. $700+ vs $1,000+ from NTUC!! Anyone got Buddy Id to share ? extra 5% and voucher for referral. Thanks Note: Did a search for Budget Direct and nothing found. Please help redirect if there's an existing thread.
  4. Hi friends I am getting a new Honda Jazz soon and as a first time driver, i am required to take Honda's insurance for the first year. However, i was offered 1 year and 2 year package. I'm 30 years old, male. 1 Year - $1995, 0% NCD, Excess: $600 2 Year - $3331, 0%NCD, Excess: $600 May i know if i should take the first year or take the 2 year package. If i change insurance, will they consider my NCD based on the Honda insurance i signed for. Please kindly advise. New driver here. Thanks for the great help
  5. My car skidded and I went to make a claim. My car insurance company gave me 2 choices: 1) Claim total loss - $45k 2) Claim repair cost - Car Repair Cost $16k+/- after reducing the market value of my car, insurance company is only willing to pay $9k( they called it Economic Repair Limit) so I got to fork out $8k out of my own pocket. Which option would you guys take? Is there a third option?
  6. i was diagnosed with high blood pressure about 6 years ago and have been on meds. (one pill a day). bought a GE hospital policy b4 my disgnosis and when i got warded for another issue, the co-payment thing applied. then my GE agent approached me and asked me to upgrade to their "100%" claim plan ... but required me to undergo medical tests which i have to pay for myself and not guarantee will accept my enrolment. so i refused to go for the med check and they rejected the proposal. then my AIA agent came to see me one day and told me about their 100% claim plan and then filled up the proposal and told me will get back to me. Called me up the next day and told me that his office told him that NOBODY will cover me becoz of my HBP. talked to an Aviva rep also ... and she also told me roughly the same thing ... pay more and and with exclusion. best one was got a cold-call from another AIA agent about 2 months back ... said will try to see what he can do .... never heard from him again after i told him i got HBP. so far have not had any sickness due to my HBP but it seems that insurance cos are very prudent nowadays with their selection of customers. any ins cos out there willing to cover me ??
  7. Some people don't deserve to drive. Watch the video below and see whether you agree with our harsh comment or not. Posted by My Grandfather's Road, another traffic-shaming facebook page, is this video of a Honda City that almost came to a complete stop while on the first lane of the ECP. It is unclear how long ago this accident happened as the in-car camera video dates the incident on the 27th of Dec 2019 but the post was published today, 22nd of July 2020. We have no idea why the Honda driver attempted to slow down. Could it be that he or she realised that there is an exit and wanted to turn off at the last minute?
  8. Weird things are happening in Yishun again. To be precise, at Blk 509B Yishun Ave 4 on the 20th July. For no apparent reason, this guy in orange simply falls down on his own as 'invisible forces' make him lose his balance. Also seen on SG Road Vigilante and circling around in many whatsapp group chat, this is clip is the perfect antidote for a boring and sleepy Monday. This should be a case of the guy wanting to try out an 'insurance scam' where by the pedestrian attempts to get hit by a moving car before proceeding to get compensation from the driver's insurance company. Unfortunately for the guy in orange, he looks quite silly 'falling' twice and with the driver's in-car camera showing clearly no signs of impact, his attempt is bound to fail. Check out what netizens have to say...
  9. Even if you are in a hurry, this is not the way to ride. Spotted going around group chats in Whatapp, a video of a biker who tried to overtake and crashed has gone viral recently. The accident which happened on TPE near IKEA Tampines, in the direction of Pasir Ris, was captured by the camera car on 27 Jun 2020. In the video we can see this biker who apparently had no bike license or insurance crashing badly while he tried to overtake the camera car which was changing lanes. Check out how far his bike went ahead of the camera car after the collision! According to Sg Road Vigilante, the rider was later arrested. Thankfully, the rider escaped death and we hope the authorities deal with him properly for hurting the road divider that he crashed into. Check out what netizens have to say about this crash!
  10. Just curious... Coz it crossed my mind when I saw the two yellow lambs accident. Let's say a person takes a car or for a test drive and ends up hitting another car. I can safely say that the insurance will cover both cars. But unlike private owner whereby the one will caused the accident will have a huge jump in his premium the following year, will the car dealer be penalised the same way also? Or will the premium increase follow the test driver?
  11. Hello seniors, need some advice here. Was involved in accident few days back, and reported to authorised workshop to claim against 3rd party as I was rear ended. 3rd party sent surveyor down and after assessment, declare it as "non-economical to repair", and offer a lump sum figure/mkt value (made up of repair limit + my parf) to settle the case. Workshop's advice to me is that if i'm going to claim CTL, (constructive total loss) i should go and claim own damage and claim CTL as the process will be faster and i do not have to do anything as all paperwork, outstanding loan all will be settled by my insurance cmpy. Compare to claiming CTL from 3rd party, where i have to find find scrap yard and send the car to scrap myself, deregister from LTA myself to get my parf back to make up the lump sum figure, as 3rd party insurance will only pay me the repair limit which is part of the lump sum compensated to me. Question is, is this the correct process? That I had to scrap the car myself, deregister myself to get back the PARF and wait for 3rd party insurance payout of the repair limit to me? Or should it be that my car will be under the possess of 3rd party insurance, they paid me the full lump sum(mkt value) and they do the recovery etc. themselves?
  12. hi guys, Need some input: I'm about to get a double cab pickup ( 2nd hand), was sourcing around for some insurance quotes, one agent got back to me with like a quote of almost $2k and tells me that premium for commercial vehicles increase year by year ( not like normal car, go down year by year due to NCB) i know the NCB cap is like 20%, but wtf, commercial vehicle so expensive meh? pick up will be registered under personal name ( no company involved) and this is possible as it is a double cab. But is it true insurance for these kind of vehicle so expensive? thanks in advance guys cheers
  13. My car is turning 3 soon, and due for insurance renewal. For the past 3 years, I kena hit-n-run twice when parked stationary at carparks. Both times, I managed to successfully claim from the culprits. I understand not-at-fault claims are likely to increase insurance premiums. But my car was parked stationary and I was not even in the car. It's not caused by aggressive driving behaviours. Do insurance companies review the situations that resulted in the no-at-fault claims on a case by case basis?
  14. Scenario goes like this: I was stuck behind a line of cars in Lane 1 turning right so I decided to filter to Lane 2. Waited a while for some cars to pass, finally all-clear. I had entered the lane about half-way when this Nissan Note collided into my front left. I dunno whether it's evident in the video but he was filtering from Lane 3 to Lane 2. We stopped by the side and exchanged particulars and since I was in a rush to fetch my family from airport, we left the scene shortly. I did tell him that this is a 50-50 liability accident as both of us were filtering into the middle lane, so we should just both settle our own damages. https://youtu.be/P6gZbveV6Hs Subsequently, he messaged me to tell me that he's going to report the accident and claim my insurance. 50-50 accident can claim the other party's insurance? He feels that I'm totally at fault for this accident. When he makes the accident report, will the person advise him that this is likely a 50-50 scenario and thus, he should pay out of pocket for his damage? His car was quite badly damaged (dents, scratches from front driver door to rear) whereas mine can probably be settled with a polishing session. Sincerely seeking forumers' advice on whether you feel the fault lies with either party and experience in whether his claim against my insurance can be valid. This is my first at-fault accident over 13 years of driving, so not quite sure how an opposing claim on my own insurance will be handled. If he does claim successfully, I'll feel extremely aggrieved as it's clearly a case of 2 cars entering the same lane (50-50% liability according to BOLA) and risk losing my 50+5% NCD over this. P.S. My damage vs his really showed the difference between a Conti and Jap car in the event of a collision.
  15. Many are unfamiliar with the benefits that come with their car insurance plan. Thankfully, Aviva provides a comprehensive guide for all motorists regardless of age! Whether you are a new car owner or have racked up years of experience on the road, it is still worth ensuring that you are protected against any sort of car troubles you may encounter. We break down the typical car troubles that different age groups normally run into, so you can check if your insurance plan delivers the exact sort of coverage you need! The young millennial go-getter You may be new to driving and eager to embark on some adventures behind the wheel. At this age, heading up North for driving excursions may become part and parcel of your holiday plans. However, you may still be uncertain of what to do in an accident. If you're afraid of getting stranded in an unfamiliar location, consider getting an insurance plan that provides a towing benefit. With Aviva's insurance coverage, you get to travel with the assurance that you are protected with unlimited towing benefits, giving you the peace of mind to better enjoy your holidays. As an additional bonus, Aviva's insurance plan comes with a claims promise that no upfront excess payment is required, and that your NCD will not be penalised if you are not at fault in an accident. This empowers you with greater control over your overall car expenditure. Use that extra money to save up for that housing loan you might be about to take on, or to plan for yet more adventures in the future! The young family with children At this stage of life, your children are your top priority. Ferrying the entire family around is now part and parcel of your weekend duties. Don't let your child's antics in the back of the car distract you from what is important - getting to the destination safely. Start off every journey on the right foot with Aviva's child-seat cover of up to $250 and ensure that your precious ones are safely tucked-in and prepared for any unforeseen circumstances. Even if you are not entirely up to speed on the inner workings of your car at this point, fret not. Aviva's complimentary roadside assistance service is open all day and night, every day of the year, so you can receive the best assistance to get your car working again, whether it be a tyre change or a dead battery. With the Standard and Prestige plan, Aviva will even tow your car to a service centre of your choice within Singapore if the breakdown is too severe for a roadside repair. With domestic expenses mounting, you do not want to be spending on unnecessary items. If you are a MINDEF or MHA group term life policyholder, you and all family members will get to enjoy an additional 15% discount on your Aviva car insurance plan, on top of any ongoing promotions. Save up on your outgoing expenditures with Aviva and ensure that you always have spare cash on hand for those extra diapers and milk formula! driving The older families with driving-age teenagers Watching your children grow up can be richly rewarding. Having them go on their first drives, perhaps not as much. Take the edge off that inevitable nerve-wrecking experience by signing up with Aviva's Prestige plan and be assured that even if your teenagers do get into an accident, professional assistance is but a call away with Aviva's Quick Emergency assistance, eCall. Thanks to an easily installed Bosch safety device, real-time crash detection will automatically alert Aviva's emergency team with data about the crash severity and the car's location if you or your teenage children get involved in an accident. The emergency team can then call you or utilise the information to send accurate information to emergency services immediately. Think about this: In a severe accident, those precious seconds and the delivery of accurate data could genuinely help to save the lives of your precious ones. Not convinced? Then also consider this - Aviva's Prestige plan also provides coverage without any additional excess for young or inexperienced drivers, allowing you to cover every driver in the household without incurring high auto insurance costs. The retirees You most likely have experienced your fair share of road rage and reckless driving at this point and have probably seen it all. Even if nothing on the road fazes you anymore, a good car insurance plan is still a must to ensure that you do not end up facing mounting medical expenditures in the event of a severe accident. Plan and make sure you do not have to face that harsh doctor's bill head-on with Aviva's high medical expense coverage of up to $100,000 on their Standard and Prestige plan. With the Prestige plan, you still get to enjoy the benefits of eCall, ensuring that Quick Emergency assistance is always on hand to render assistance, just in case you get so shaken up that you fail to note down all the information you need to report on the accident. Getting involved in an accident can be a nerve-wrecking and time-consuming event. Thankfully, Aviva's comprehensive range of car insurance benefits ensures that there is something for everyone regardless of what stage you are at in life. Don't get caught without the necessary assistance if you do get involved in an unfortunate incident behind the wheel, check out Aviva's suite of car insurance plans and find something that best fits your needs today! See what benefits you stand to enjoy with Aviva Car Insurance!
  16. Hi all, was very unlucky and got hit by a malaysian van today. My Toyota Altis is just 3 weeks old. It hit our car on the back and obviously it's the van driver's fault as we were stationary at the red light. No injuries and did a police report together. Later then found out that Borneo motors won't do a claim against 3rd party and especially a Malaysian insurance conpany. Found out that total repair cost would be $1500 but the van driver isn't willing to pay as he keep insisting he is covered by insurance and have the rights not to pay a single cent. He then verbally agreed to fork out $1k as a goodwill but it has to be over a few months as he is a blue collar construction worker here. That guy has now gone back to jb and I don't even know if he is really paying me the $1k. We definitely won't do a claim from our own insurance as my dad was at the steering wheel and excess would be in the thousands. Any kind advise from fellow forumers here? Any reliable workshop willing to do Malaysian insurance claim?
  17. Just want to check have anyone of you make any successful claim to Jetcover before? it is a travel insurance policy. early this month i have tried to make a claim due to the flight delay of about 8 hours . after sending the document which they require, one week later, i received a email reply asking for the same document again, i tried again to resend it with attachment and include my HP no. for her to call me, another week past, i receive the same reply again.. the frustration is they do not leave any tel no. for me to call back and ask.... and when i tried to contact the insurance claim no. from the website, the insurance claim that they are from different department, and when i asking for the telephone no. for the relevant claim department, their reply are they do not know the no??? week after week, how can we expect much from this in-house insurance company when they can't even have a proper customer office who can handle all these enquires when customer having problem. JS and Chart
  18. Spotted on the facebook page 'private hire sg cars/partners - grab, gojek, ryde, tada etc', someone posted a photo of a fender bender between a BMW and a Toyota and we were shocked by how much you can claim if you were involved in such a accident. This should not cost too much to repair right? Oh wait till you see the final amount submitted by the surveyor. Yup, you saw it right. The cost of repairs on the BMW E60 5 Series would amount to a staggering $88,000. To put that into perspective, you can buy yourself a similar BMW coupled with a new 10-year COE and lots of change left for petrol and parking. Others on the post agreed too that this is one really over inflated amount. That said, there were some who thought that the is not the actual amount that was asked for... Unfortunately or fortunately, depending on who's point of view, that is the discharge voucher which you could say is going to be the actual amount paid out. Of course quite a few felt that this is wrong... Let us know what you readers think of this in the comments below! UPDATE: There are some rumors that the discharge form was meant for a Lamborghini Gallardo and not the two cars as pictured above. ----------------------------------------------- Want to know if there are any more BMW 5 Series you could buy with $88,000, check out our used car pages! -----------------------------------------------
  19. Loke: Cheaper Car Insurance Soon For Drivers Who Do Not Get Summons Read more: https://says.com/my/news/loke-cheaper-car-insurance-for-drivers-who-do-not-get-fined-in-a-year Drivers who do not break traffic laws in the country will soon enjoy a discount on annual insurance premium renewals, said Transport Minister Anthony Loke Loke said the implementation is slated to come into effect in January next year, reported Bernama. He said the Ministry is in the final stages of completing the mechanism. The rebate will require integration of information and data between multiple parties "For this effort, we need to integrate information and data by the police and Road Transport Department (RTD) on people with clean records on roads and vice versa," New Straits Times quoted Loke as saying. "We would also need support from insurance companies to create integrated data involving the RTD and police, and reward deserving people. "Once everything is ready, we hope to start early next year," he said yesterday, 8 October. Loke said the move not only aims to encourage drivers to follow the traffic laws but also helps to reduce the cost of living He said this initiative would be beneficial for the insurance companies too. "If we can reduce road accidents, insurance claims could also be reduced," Loke said. "With this new system, instead of paying out claims, they could offer more rebates on driver's no-claim bonus (NCB), on top of the 50% discount if their vehicle is accident-free." Loke said the Ministry wanted to use this reward-or-punish combination approach to reduce road accidents nationwide.
  20. Got quite confuse on their term ..., some got windscreen excess some dont have ... some say 3rd party injuries not covered some say yes.. . Price also alot difference some 700 some 1200... and is base on same profile.. Hope people here in MCF can enlighten American Home Assurance Company - Commercial Vehicle Insurance American Home Assurance Company - AIG AutoPlus Insurance American Home Assurance Company - AIG AutoPlan Insurance Asia Insurance Company Limited (Singapore) - Motor Insurance Aviva - online - Quoted $789 AXA Insurance Singapore Pte Ltd - SmartDrive Asia Direct - online -Quoted $700 China Insurance Co (Singapore) Ltd - Car Insurance for Honda Car Owner First Capital Insurance Ltd - Motor Insurance India International Insurance Pte Ltd. - Motor Insurance Liberty Insurance Pte Ltd - Motor Insurance Mitsui Sumitomo Insurance (Singapore) Pte Ltd - MotorMAX Insurance Nanyang Insurance Company Ltd - Private Motor Car Nippon Fire & Marine Insurance Co Ltd - Nippon Motor Protection NTUC Income Insurance Co-operative Ltd - Motor Insurance - quoted $1200 Royal & Sun Alliance Insurance (S) Ltd - Car Shield Sompo Japan Insurance Company (Asia) Pte Ltd - Motor Insurance Tenet Insurance Company Ltd - Private Car Insurance United Overseas Insurance Ltd - Motor Vehicle Insurance Zurich Insurance (S) Pte Ltd - Motor Insurance
  21. Hi gurus. Long story short. Early Dec: Offered renewal quote by insurance Mid Dec : Branch hit front windscreen. Windscreen replaced with no excess because I purchase the plan with "no windscreen excess." End Dec: Renewed Insurance. Cover note issued. Road Tax renew. 3 Jan: CSO called and tell me they will invalidate my motor insurance as my premium have now increase due to the windscreen replacement. No mention of increase in premium until 3 Jan. So now I have 2 qns. 1) Can they invalidate my insurance at this point?! I have written in to LTA and GIA to seek further clarification. 2) Wouldn't it make consumers a fool since we are then paying twice for windscreen? I pay more to get a plan with "no windscreen excess". Now that I replace my windscreen I have to pay a higher premium because my wind screen was replace. Then isnt I paying twice? Then why don't we all just buy the cheapest policy since ultimately we are still the suckers???
  22. Hi Seniors.. Need your advise on the below: I was involved in a cross junction traffic accident whereby I was driving straight towards a junction when the greenlight is in my favour. I hit a right turn car. My front bumper is badly damaged with engine and passenger air bags activated. The car is quoted 65k to repair at authorised dealer. As my car has a high parf of 80k and a resale same car is going at ard 100k. The opp insurance company treat this case as a total loss. As much as i will prefer to repair the car..thereis now no other offer from other workshop to take up this job. What other alternatives are available to me? As a total loss write off will be at my disadvantage? Appreciate your constructive comments please. Thanks
  23. after work just wanna go home and kun.... alight at mrt...kena swarmed by insurance agents, salesman outside mrt stations and the new 'recruits" aka charity agents.... please lah.. i know you got job la but i srsly wanna get the fkkkkk home la bro.... get the fkkk outta da weyyyy man.. sigh... anyone here also feel the same way????
  24. For those using Lonpac car insurance,appreciate your input on this company.Although I understand their premiums are quite competitive,being a malaysia incorporated company and shifting their singapore office from one place to another recently,will it be any issue if claims are involve.
  25. Good info here for those who don't know. http://www.sgcarmart.com/news/writeup.php?AID=286&PN=1
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