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Dear all seniors, I need advice on the below. Involved in accident , own fault. Car was badly damaged. Authorised workshop mentioned total loss. My car is 5 years old and fully paid. COE & PARF value is about $36k. 2nd hand price in the market is about $75k with similar model and age. Allianz Motor Protect comprehensive insurance will pay for market value if declared total loss. Allianz not covers the COE & PARF value. Will I receive 2 separate settlements from Allianz & LTA? Allianz pays the agreed market value of the car, example $75k. LTA refunds the COE & PARF value $36k. How make the claim? How long it normally takes? So total I will get a refund of $111k? Sound like too good to be true. 😅 Many thanks.

Hi, i'm a new driver and I still have a P-Plate. I'm about to buy my first car but i'm wondering if insurance will cost more for me? I'm currently 28 years old.

What if i get into an accident with a Malaysia car? Can i claim?

What if i get into an accident and make a claim after i have attained 50% NCD? Will i lose the 50% NCD and have to restart from 0 again next year? Just trying to understand more about NCD before i buy my first car.

Singtel and Great Eastern have ventured into the very saturated market of car insurance in Singapore! https://www.singtel.com/personal/products-services/lifestyle-services/carprotect#hero-banner2 Anyone wanna be the guinea pig? 🤔

Another day, another joker on the road getting what he deserves for his reckless driving. What happened In the wee hours of the morning, a Mazda 3 driver is seen driving down Admiralty Road right beside a large garbage truck. Wanting to filter to his right, the car flashes its right indicator lights to signal its intention. This is when things start to go horribly wrong. Instead of letting the truck pass, the Mazda driver fails to check for safety and starts to drift to the right. The weird thing about his behaviour is that he actually slows down right in front of the large truck as his vehicle performs the lane change. As a result, the car ends up getting hit in the rear by the garbage truck and continues along the road for a while before coming to a stop. It is unclear if the Mazda driver had hit the brakes on purpose or by accident. Additionally, the fact that the Mazda kept going after getting hit could mean that the driver did not realise that he had been hit. A great example of why all drivers die die must have insurance It is important to note that the Mazda 3 driver carries a P plate, which is a probationary license plate that should be put on display at the top-right portion of the front and back windscreens of new drivers. The plate can be taken down after a year of valid driving experience. As such, it is critical that all drivers, especially P-platers, have insurance in case of accidents like this. Annual premiums for car insurance typically start at $850, and the amount that you pay is determined by your age, your occupation, the amount of driving experience you have, your car model, and your claims history. For P platers and drivers below the age of 27, car premiums are through the roof as insurers deem these drivers to possess a higher level of risk of getting into accidents. Netizens' reactions P-platers, no matter the situation, there is no reason good enough to justify driving and switching lanes recklessly. Stay safe out there! -------- Save up to $600 on your Car Insurance renewal and compare insurance quotes from 12 different insurers hassle-free. Get your free car insurance quote with sgCarMart today!

Dear all don't you think Singapore Car insurance companies need to offer more discounts for cars with additional safety features . people are paying top dollars for the extra features and it really reduces the possible risk on the road. Do you think it is fair for those paying the extra dollars, pay the same insurance premium as those don't have those extra safety features ??

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!

Hey We're new in town. Budget Direct Insurance launched in October last year, and we believe that Singaporeans have been paying too much for their car insurance for too long. Why? We're not entirely sure. What we do know is that insurance isn't hard. Or at least, it doesn't need to be. To buy your insurance is a relatively easy process, you can even see an initial price for your policy in 30 seconds. If you'd like to know, we'll be stopping by here regularly to read and answer your questions. Or visit our website at budgetdirect.com.sg We understand that because we're new, you may prefer to talk with someone. Feel free to stop by, have a coffee and let us see how we can help you, visit us at: Budget Direct Insurance 190 Clemenceau Avenue #03-01, Singapore Shopping Centre Singapore 239924. Or call us at 6221 2111. Our team are here and ready to help you from 8am to 8pm, Mondays to Fridays. If you've got any questions about how we can help you, please ask. Thanks On behalf of the Budget Direct Insurance team, thanks. Geoffrey

Imagine you are fetching a neighbor to work and this neighbor gives you a bar of chocolate. If you get into an accident, the injured neighbor is not covered by your private car insurance and he/she sues you. This is because private car insurance excludes "hire and reward" usage. Carrying of passengers with payment in this case. Anyone knows which insurer is willing to extend private car insurance to cover "hire and reward" ? Buying commercial car insurance is out of the question because you are not running a business and the payment is low.

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Detroit man with marathon walking commute surprised with new car "A Detroit factory worker who has walked more than 20 miles (32 km) during his daily commute to work for a decade was surprised on Friday with a brand new car, donated by a suburban car dealership. ... Leedy told Reuters he was initially quoted a $15,000-a-year premium, a quote that illustrates Detroit's notoriously high insurance rates." http://www.reuters.com/article/2015/02/06/us-usa-michigan-walkingman-idUSKBN0LA2E420150206

As per the title, I shd scrap the car before 2nd March right? but after my calculation(not sure im right), im better off driving till the coe ends even after pay one more week of road tax which i chk from onemotoring is $36, and one more week of insurance (not sure how much). anyone in such situation before? advice pls? tks.

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Hi everybody, I need some advise! My car road Tax expires in 4th October 2015. However I am currently my insurance expires in 18th Oct 2015, and my current NCD is 40%. I was thinking of changing my car in October 2015. Is there any possibility to be to get directly 50% NCD for my new car without renewing my old car road tax and insurance? Or what is the best solution for this? Cheers everybody, for the the advise once again!

Folks who own TC car. Is yr premium higher compared to another variant of same make? Eg. A sedan with 2 variant 1.4L TC vs 1.6L NA. Are you paying the same insurance premium as a 1.6L variant? Or maybe I should phrase it as "Should insurance premium for 1.4L TC be lower than a 1.6L NA"? TIA for your inputs.

Good Day Everyone In Here. Could any kind soul advise what is the duration/Time Frame for refund after I cancel my Certificate of Insurance for my car. I cancelled my Car Insurance Policy with China Taiping 2 Month ago but still no new on the refund. Just can't imagine what is the hiccup ? Thanks and Regards

Not bad if it works well. A good alternative for car cameras. The pro of using this over the in car camera is that no need to retrieve/transfer the video footage from your in car camera, since you can just submit from your smartphone. More importantly it's free and also no cumbersome installation. I think this is a must for all drivers, who do not have a in car camera installed. Do note that the app will only be launched this Friday, and available for both iOS and Android. Now the thing is, where can I find a good bracket to mount onto the windscreen?

Hi - I'm kind of new to the forum - any members have any inputs or thoughts of this Company - HL Assurance ?? Could not find much about them; Seems like quite new kid on the block but apparently much cheaper than current insurer and even Direct Asia tks

[extract] According to a study done by Malaysia

dear fellow MCFers, I had a conversation with a fellow driver and the topic of Roadside assistance came about. He commented that since most major Auto service centers provides some form of "free" towing / recovery services, or ins. companies as well. Is there any benefits of joining AAS or related types of groups ? any comments ? mice

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[extract] Online insurance company, DirectAsia.com, is issuing a challenge to motorists to find a cheaper quote on their car insurance elsewhere. Singapore's online insurer is so sure safe drivers won't find a better deal that they‟re promising to reimburse

I saw in the Straits Times that they advertise their premiums are low. Has anyone bought car insurance from them? Are their rates better than buying from agents, middleman etc?

All bros, its the time of the year again. time for renewal of car insurance. i was shopping around online and found directasia. question is................... why directasia car insurance so cheap??? got wad ahm ahm clauses anot?