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anyone here has sign up this plan? it looks good to me with 3-in-1 kind of basic plan with just $68. any catch or hidden stuff?....

ST 21/4 N A reversal of an unpopular long-standing practice, NTUC Income will soon sell motor insurance that allows car owners to have repairs carried out at any motor workshop. This is part of a new strategy unveiled by Income's new chief executive, Mr Tan Suee Chieh - installed in February - to regain its prized No. 1 motor insurance position in Singapore. Income is rolling out two new products next month - including one that allows repairs to be done at any workshop, for about 25 per cent more in premiums. The strategy is a marked departure from the approach taken by former Income boss Tan Kin Lian, who had insisted that policyholders should have repairs carried out only at workshops approved by Income. This was introduced in 2002 to cut inflated motor claims - which it did. But Income paid a price as market share fell because many car drivers prefer to have repairs done at non-Income authorised workshops. Income also faced difficulty penetrating the new car market as distributors of new cars insisted that repairs be carried out at their own workshops. In May last year, Income relaxed the practice by allowing policyholders to have repairs done at distributors' workshops, if they paid a higher premium. This option was meant for cars less than three years old and still under the manufacturer's warranty. But Income managed to insure only 12,000 or about 10 per cent of the 117,000 new cars here last year. It is now in talks with two car distributors regarding possible tie-ups. Next month, Income customers will be able to choose between two plans. The 'drivo Premium' plan will allow car repairs at any workshop while the 'drivo Classic' plan will require repairs to be conducted at Income's authorised workshops. 'Classic' plan premiums will be maintained at current rates - about 20 per cent below the published rate for most customers. The 'Premium' rates will be industry competitive and will be priced 25 per cent above those for the 'Classic' plan, Income said. At a press conference yesterday, Mr Tan said Income's market position has been challenged by intense price competition, under-representation in the new car market and lost intermediary business. But the new boss ruled out engaging in a price war as a means of regaining market share - arguing that stability in premium rates is the best way to go. Income's two new motor plans mean customers will have more options while loyal policyholders who want to continue having repairs done at Income's workshops are assured of affordable premium rates. Mr Tan hopes to raise gross motor premiums to $220 million for this year, up from $165.4 million last year. If the target is achieved, it would translate into a potential market share of 30 per cent. The firm's market share slipped to 24 per cent last year, compared with 30 per cent in 2005 and 37 per cent in 2004. Current top motor insurer AIG's market share was only slightly higher than Income's, at 24.8 per cent last year. Over the next 12 months, Mr Tan expects 15 per cent to 20 per cent of motor premiums to be generated by 'drivo Premium' plans. Last year, Income's motor underwriting profit was $5.1 million, less than half of the $10.9 million posted in 2005. Its gross motor premiums also fell, from $206.5 million in 2005 and $255.3 million in 2004. As part of its motor strategy, Income will be working with car distributors and intermediaries such as external and in-house agents, and stepping up its marketing efforts. Under the new plans, annual premiums for a new two-litre Toyota Camry will come to $1,600 under the 'Premium' plan and $1,281 under the 'Classic'. The rates are based on the assumption that the policyholder is a 35-year-old new driver.

Hi, I'm planning to visit Europe in Dec 07. Germany (Berlin) -> Chez (Prague) -> Austria (Vienna) -> Hungary (Budaphest) -> Italy (Rome) -> Swiz (Lucern) -> Germany I'm contemplating whether to buy global eurorail pass (quite ex) or buy budget airline from city-to-city (cheaper but not as convenience as rail, beside the duration is not shorter by a lot) Anyone got a Europe itinerary to share for reference Thanks

Should I use AIO before applying HG88? Or the polishing content in HG88 is strong enough to skip AIO?

What's he gonna do when he retires ? a. Work in a Shell petrol station in Switzerland. b. Be like Ashton Kutcher and host Swiss version of Punk'ed c. Be the lolipop man in Ferarri's pit crew d. All of the above. See for yourself.

Hi, folks I'm new to suspensions and hope to further improve the already quite good handling of my Mondeo. What should I be looking out for ? How much to budget for them ? Where is a good place to shop for them ? Of course largi better if any Mondeo owners can share his experience here. But any advice from any bro here is also appreciated !!!

any comments on the above header? Heard from the technician that u nid to spend at least $500 or more to qualify for the installment plan. If u holding a DBS credit card, it would be a 6mths installment, for UOB 12mths. Quite attractive cos 0% interest. And btw saw a 5 zigen japanese 17" rim at Autobacs yest for $1280. Copper gold in color. Issit worth it?

I would like to know the price plan for the Aveo and Optra How much is the min dwnpayment? Mthly installment resulting from tat dwnpayment.

Hi all Have spoken to some of us on Friday on what car I can get....I went to some carmarts yesterday and today.....vtim have advised to post for some advice...so here goes.... Current car: coe charade cx (coe rebate amount as of 15/07 is about 11k+) Looking at 7 to 8 years car with parf at about 45k to 50k What I have gathered from carmarts trip 1. 10/01 Mazda 323 1.6 M Parf:11.15k Asking $49k neg 2. Some other '01 and 02 Mazda 323 1.6 M from $49k ~ $52k 3. '01 Ford Laser 1.6 from $47 ~ $48k 4. '01 Nissan Sunny 1.5 $47 ~ $50 5. '01/beginning '02 Mit Lancer GDI ~$55k (a bit out) Some advice from the dealers..... 1. Must be careful of '01 cars because of the 101 coe and cars having cat e coe 2. Nissan Sunny have higher FC 3. Mit Lancer GDI higher servicing cost....Sunny lowest because there's no need to change timing belt 4. No mkt for manual cars (which means I can bargain more??) 5. Mazda and Laser same engine but Laser have lower resale and more problems Questions 1. What other cars can I get given the budget? 2. For the above cars, how much lower can I bargain? 3. Dealers' advice no.1....Don't quite understand the cat e coe thingy but how do I avoid as advised? 4. I was advised by the dealers to get the Sunny but personally inclined towards the 323 because of the looks (I have not test drive the cars listed above). Heard from a fren that dealers have hard time selling 323. Why is this so? No mkt for it? [/color] Payment Plan 1. Initially was thinking of putting $10k as downpayment then mthly around 500+ 2. Now was thinking of putting $30k as downpayment then mthly around 500. Will settle my loan in abt 4 yrs. Questions 1. Heard or read something about not putting so much downpayment cos will be losing a lot if car went total loss....so is plan 2 advisable? Cos really dont want to pay too much interest by dragging the loan 2. Was advised to downpay about 30~40% of the car price, rest loan. Is this advisable? This message is really long....but just want to get my facts right before embarking on such a huge sum of $$. Appreciate all your help Thank you.

For the past few days I am having problem coming into MCF. So in the case of MCF being down for more then a week, log on to Delphi forum - Skodaownergroup to gather ourselves. Yes the SOG at delphi is still in existence.