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Found 162 results

  1. http://www.straitstimes.com/singapore/transport/china-oil-giant-enters-singapore-petrol-station-business Or are they joining the cartel?
  2. 1. A motor insurance may be cheap, eg. DirectAsia (this is my current plan after I've switched from AAS available insurance plans since 2+ years ago). However, I have recently been told that when it comes to claims, there seems to be fineprints that void certain claims, eg. windscreen. 2. My NCD is 50% discount and I am thinking thrice now about renewing with DirectAsia - because in case I have claims, I don't want to be caught by it's fineprints. 3. This survey is to crowdsource motor insurance claim experiences from fellow forumers who have had at least 1 claim and would appreciate if you can reply by stating these information: (a) Name of Insurance company (and the motor plan if you recall, if not nevermind) (b) Give a score of between -10 to +10 (where the extreme -10 is no claim despite your situation being seemingly a valid claim, and +10 if your claim process is a smooth and quick claim with bare minimum fuss) © Optional: Which year? (if you remember) (d) Optional: You may also choose to elaborate your score, esp. if it's very negative or very positive - optional. 4. While a few data points may not be reliable, however if we have a lot of data points (eg. 100 people claiming terrible experiences with company XXX, or excellent experiences with AAA, then we know what is more probable). 5. Here we go, this is a list of 44 motor insurance companies listed in one motoring: 1 Action Garage Pte Ltd Able Insurance Brokers Pte Ltd AB Lim & Sons Enterprises Aik Chong Insurance Agency All Solutions AMA Insurance Agency Anika Insurance Brokers & Consultants Pte Ltd Automobile Association of Singapore AXA Insurance Singapore Pte Ltd Beng Soon Holdings Pte Ltd BMC Insurance Agencies Pte Ltd Chartis Singapore Insurance Pte Ltd Cowell Insurance Pte Ltd Daglen Insurance Agency Dickson Auto Agency Direct Asia.com Esse Insurance Agency ETS Insurance Agency Far Eastern Insurance Agency Gideon Insurance Agencies Pte Ltd GSC Auto Services Pte Ltd High Power Enterprise Insline Insurance Agency Insure2give Pte. Ltd Inspro Insurance Brokers Pte Ltd JG Motor Agency JMT Insurance Agency K & L Services Agencies LQ Insurance Agency Pte Ltd Mitsui Sumitomo Insurance (Singapore) Pte Ltd NSK Insurance Agency O C W Insurance Brokers Pte Ltd Poon Poong Motors Pte Ltd Powerton Insurance Agencies Pte Ltd Pure Insurance Pte Ltd Securisks Insurance Agencies Pte Ltd Sime Insurance Brokers (S) Pte Ltd Sino Credit Pte Ltd Specialists Motor Pte Ltd Sun Hwa Insurance Agency T K H Insurance Agency Tan Bros Insurance Agencies Pte Ltd Times Insurance Brokers Pte Ltd Tong Tah Insurance Vehicle Agency source: http://www.onemotoring.com.sg/publish/onemotoring/en/autoshop/motoring_directory/motorcar_insurance.html Namaste.
  3. StreetFight3r

    Downpay ferrari at just 30k?

    A Ferrari is not all that out of reach because of a loophole in car loan regulations. All anyone has to do is to register a company and this will allow him to legally obtain a 90 per cent car loan. Current loan curbs require at least a 40 per cent cash down payment on the purchase price of a car with an open market value (OMV) of more than $20,000. The Sunday Times found that some car dealers are openly advising buyers to register a company or a sole proprietorship to secure a loan of 90 per cent of the purchase price. Last Friday, The Sunday Times visited Motorway, one of the largest dealers of pre-owned supercars in Lower Delta Road. When this reporter showed an interest in a Ferrari California 4.3A sports car, priced at $298,000 and with its certificate of entitlement (COE) renewed till February 2029, the salesman offered a 90 per cent loan option. This meant that only $30,000 was required for the cash down payment instead of $119,200. "Do you have a company?" asked the salesman. When the response was negative, he said: "Can you register a company? So we can loan up to 90 per cent to you." He gave a breakdown of the cost. For a loan of $268,000 - about 90 per cent of the price - at an annual interest rate of 3.98 per cent over a maximum loan tenure of seven years, the monthly instalment worked out to just $4,080, he said. The offer was available only from Motorway Credit, he added, and not from banks or other finance firms. The helpful salesman even suggested a company name - Joyce Leasing - for this reporter and said it was compulsory to include "renting and operating of private cars without operator" as the business activity when registering the firm with the Accounting and Corporate Regulatory Authority. Without this, it would not be possible to secure a 90 per cent loan, he said. Under Monetary Authority of Singapore (MAS) regulations, loans for individuals wanting a supercar are capped at 60 per cent. The salesman gave the assurance that the in-house loan process would be easy and convenient. THE STRATEGY If you can't pay, I'd simply tow the car back and sue you for bankruptcy. If five out of 10 cases continue to service their loans, I would have made money from the high in-house interest rate, which is twice the amount that the banks offer Such schemes have become increasingly popular with buyers who cannot afford to come up with high cash down payments, industry watchers told The Sunday Times. Such buyers generally go for cars that are above seven years old or cars with renewed COEs. The Sunday Times obtained records of at least two firms that were registered for the purpose of buying supercars. When contacted, the car owners denied setting up the businesses solely for the purpose of securing 90 per cent loans. The Sunday Times spoke to four car dealers who have doled out 90 per cent loans to buyers. They agreed to speak on the condition of anonymity so as not to attract "unnecessary attention from the authorities". They said the high cash down payment rule led to sales plunging by more than 80 per cent. The loan curbs were introduced in 2013. "The scheme is definitely legit. I lend to a company and it is not against the law to loan 90 per cent of the car price to a company. I did not lend to an individual," said one dealer, who felt that most buyers would be able to afford the cars even though the monthly instalments are high. Another dealer said: "Some finance companies ask for the payslips, but many would not bother. If you can't pay, I'd simply tow the car back and sue you for bankruptcy. If five out of 10 cases continue to service their loans, I would have made money from the high in-house interest rate, which is twice the amount that the banks offer. "Such schemes are good for car dealers to help us clear our stocks. We will usually sell 10 to 30 per cent higher than the market price for higher loans." A check of the dealer's company records showed that half of his potential buyers required loan amounts of up to 80 to 90 per cent of the purchase price. Mr Eddie Loo, 56, president of the Singapore Vehicle Traders Association and founder of CarTimes Group, said he was not aware of such schemes. Dismissing them as desperate sales, he agreed that such schemes would not breach MAS regulations. But he added that it would be risky for the finance firms as buyers could default on their loan instalments. Acknowledging that the car market was down and dealers were struggling to stay afloat, Mr Loo said: "If you look at the trend, COE is still at a record low for Category A (up to 1600cc) cars. That reflects the economy. Even the bread and butter (cars) also hardly move." An insurance consultant of 20 years said he had come across at least 200 cases of supercars and luxury sports cars bought through such schemes for the past three years. The consultant, who spoke on the condition of anonymity, said the telltale signs were obvious as it would be unbelievable for a leasing business to own only one car. Also, it would be "ridiculous" to chauffeur someone with a two-door sports car, he said. "They are lying that they will be renting out their cars. In genuine cases, finance companies would require their insurance to cover rental activities," he said. When contacted, Motorway Group chief executive officer Michael Lim said: "After the loan curbs were introduced, a lot of people registered companies to get 90 per cent loans. But you will still need to have a strong income or a guarantor to get the loans." Mr Lim said most of these purchases were for luxury cars like BMWs and Mercedes, not exotic ones like Ferraris, as people who buy supercars would usually have the means to buy them outright. The Land Transport Authority had on its record 7,933 Ferraris, Lamborghinis, Porsches, Maseratis, McLarens and Aston Martins last year, almost a 10 per cent rise from 7,292 in 2017. Dealers said they are seeing a growing number of young executives buying such cars. ST_20190804_JLCARJXNS_5024055(1).pdf
  4. Hi In light of increasing petrol prices, i am toying with the idea of registering a company in order to buy 2nd hand one of those small diesel vans with a 2nd row of seats (like Renault Kangoo or Opel Combo). Reason being my bro is getting licence soon so need to find a 2nd vehicle Has anyone done this, and what are the limitations? Speed/lane limit is one i know, as well as cannot go to JB (no big loss). Will there be any other complications/problems that might arise? i heard insurance will only cover passengers who are registered employees.... PS: i posted this qns elsewhere, but didnt get much response. Try my luck here....
  5. Ahbengdriver

    Problem with Travel Company

    wanna ask MCFer hiadees/hiabuays. My brother had a tour booked through NATAS that was cancelled. The tour company agreed to refund the deposit. He signed a paper with the company which states it takes 4 to 6 weeks to get his refund via reverse credit card entry which the bank will advise and update in his credit card account. 8 weeks had passed, nothing. Now brother is thinking of complaining to the relevant authorities. CASE as we know is toothless. Should be go to NATAS? anyone can advise or perhaps share similar experiences?
  6. rarely see a founder quit and sell all the shares.
  7. Hi all, I am planning a road trip up to genting and am looking at renting a car to go to Malaysia. Affordable and has good reputation is what i'm looking for. Eg. Breakdown in Malaysia, how? This is my first time going for car rental so need inputs from all the bros here. Thanks in advance! Have a great day bros :]
  8. Royole Corporation unveiled its FlexPai smartphone at an event in Beijing, on Oct 31.PHOTO: TWITTER/ ROYOLE CORPORATION Chinese company Royole Corporation has launched what may be the world's first foldable phone. The company, which specialises in manufacturing flexible displays, unveiled its FlexPai smartphone on Wednesday (Oct 31) at an event in Beijing. The device has a 19.8cm screen with a thickness of 7.6mm and can fold in half, which would then split the screen into three separate smaller screens on the front, rear and spine. It weighs 320g, over 50 per cent more than the iPhone XS Max or Galaxy Note 9, both weighing slightly over 200g. Royole said that the Flexpai had been tested to withstand more than 200,000 open-and-shut movements, meaning it should offer years of use before any damage to the picture, reported BBC. "It is a historical moment that we have been waiting for years (to see)," said Bill Liu Zihong, 35, co-founder, chairman and chief executive of the company. He believes the technology will be popular as it caters to consumers who want a smartphone with a large display but is still easy to carry, reported South China Morning Post. The phone is set to retail from 8,999 yuan (S$1,780) to 12,999 yuan and will begin to be delivered in late December, said Royole. The six-year-old company said it would hold three "flash sales" to consumers in China on Thursday, reported BBC. BBC said that this launch has caught many industry watchers by surprise as many expected Samsung or Huawei to be the first to sell such a device. Evan Blass, a reporter with Venturebeat.com, a technology website, tweeted that LG intends to unveil a foldable phone of its own in 2019. I can't speak for Samsung... ...but I do know that LG plans to unveil a foldable phone at its 2019 CES keynote.
  9. Hi all, my car may be declare total loss by the surveyor. Can anyone advice me how do insurance calculate total loss value and how will the insurance compensate me? I read my policy and it states based on market value at the point of loss, how do that determine that? My PARF & COE Rebate is 29.5k according to onemotoring.com.sg calculator. SG carmart 2nd hand selling price is 80k. Any expert can advice me on this?
  10. I am very sad that AIG rejected my policy due to accident claim. No one wants to be involved in any accident (i had one in Feb this year, no personal injury, liability is likely 50-50, my repair amoumt is about 5k-6k), but when you had one, insurrance company simply abondon you and forget about the days of happily collecting premium from you. I had other 3 policies with them (each year they collect almost 8k from me), thinking of cancelling them all. So now, i have to look for alternative insurer, any bro can give some advise? will AIG's rejection affect my new insurrance plan? do i have to tell them about the rejection? any insurer to recommend? really apreciate your advise.
  11. Hi, I received a letter dated 5 June 20114 from the above company asking me to verify my company information. Failure to do so within 2 weeks from the date of the letter, my company's information will be deleted from the Singapore Company Register database. Not only i receive, the company which i employed in also receive this letter. I felt fishy and did some google and found the following: ACRA issues alert against entity "Singapore Company Register" - xinmsn News COMPANY REGISTER PTE. LTD Scam - Discuss SG So, please take note and inform your friends. I will definitely ignore this letter.
  12. Dear all, Had scrapped my car last year end.. so I rented a car from a contact I saw on gumtree. It was a manual Toyota Vios, and was $1,100 monthly, with a deposit of $500. When I signed the contract, i checked and noticed the company name. Everything went well from the car collection to the driving. Until I went overseas for reservist. We agreed that I will return the after i drive for 3 weeks due to reservist, and collect back after CNY. After that, the day before I was supposed to return the car, the car battery went flat. So i called the person and he arranged tow truck to tow the car to workshop change battery. After that, I left and went overseas. When I was back before CNY, I called the person up and we agreed to collect the vehicle 1 day before CNY eve. Hours before the collection, he showed me pictures of the car getting into accident with a Malaysia Truck. So I have no car to drive. Fine, So i waited until after CNY. So this week, Monday he say will give me a reply. Call him/SMS, no response. So I keep calling and sms still no reply. Yesterday reply me say will give me answer by today. Up till now nothing. Call him no pick up. SMS no reply. I think I most likely kena conned already. Money fly away. I hope nobody else need to go through whatever I have gone through. Please only rent from reputable car rental companies. I have learnt a lesson in pain.
  13. http://www.telegraph.co.uk/business/2017/01/30/vw-overtakes-toyota-worlds-best-selling-car-maker/
  14. Hi All Need some experts here to give me some advise on converstion to a Private Limited Company. I understand that for Companies with less than 20 individual shareholders (Exempt Private Companies) do not need to appoint an auditor, audit their accounts or file them with ACRA if their revenue is less than S$5 million for the financial year. But what is Exempt Private Companies? Will the Private Limited Company be subjected to alot of regulatory checks? I'm thinking of converting my current company to a Pte Ltd. Many thanks in advance.
  15. as above. any contribution is much appreciated.
  16. Hi I understand that some people change cars like nothing, and also understand that these people registered the cars under their company. I myself don't own any company, so was wondering how this works. Anyone care to explain? Tks.
  17. RadX

    Some names for my company

    ..I used to want 'From the Womb to the Tomb' as my company name but there is 1 better The husband of a pregnant wife was thinking of buying insurance for his unborn baby. So he asked Great Western and the agent said, "don't worry man, we'll provide insurance right FROM THE BASKET TO THE CASKET". The man was impressed but thought that he should probably seek another opinion. He then approached Frudential and the agent replied, "Oh, we have a new insurance policy which can protect your unborn child FROM THE WOMB RIGHT UP TO THE TOMB". The man was stunned but thought that maybe all salesmen like to b-------t and decided to see the agent from BIB. He told the BIB agent what Frudential and Great Western had to offer. The BIB agent thought for a while and then said, "Tell you something, we have one that is even better than Frudential and Great Western. We'll insure your child FROM ERECTION TO RESURRECTION".
  18. If COE for 1.6L or below cross $30k or even $40k, will our taxi company raise their rental fee? Then in order to maintain the income of taxi folks, taxi fare will be adjusted up? Or, old taxi got deregistered. But new COE too expensive for new taxi. So, the taxi population will decrease? Tourists complain cannot get taxi? Hmmm... Not easy to work in LTA.
  19. New Direction Pte Ltd offers Car, Travel, Home, Fire, Personal Accident, Maid, Medical etc insurance. *Free Shopping voucher to be given out. Terms & conditions may apply. Please email us for the free quote-- newdirection88@gmail.com. Alternatively , download us via Android : https://play.google.com/store/apps/details?id=com.sgcomptech.newdirection New Direction Team Address: 1 Irving Road #05-13 The Commerze @ Irving S(369546) Phone: 62935218 / 67026745 Fax: 67027152
  20. does anyone knows any company that does painting and design logos on Car? I am not referring to Decals. Usually how much it costs
  21. Since we have a thread of which companying is retrenching, can we start another thread of which is having earlier shutdown to welcoming CNY?? 1) Panasonics Semicon - started 2) AFPD - started. 3)
  22. http://www.allsingaporestuff.com/article/data-register-aka-company-register-pte-ltd-still-scamming-business-owners Seriously wtf are the police and ACRA doing??? sleeping???
  23. wonder if you guys travel for for company business by own car, Do you claim mileage? and what is the rate? regards
  24. I am going to get a second hand van that has 2 year COE left and register under company name how much down payment do i have to fork out? besides insurance what are the other extra expenses i have to pay?
  25. Interesting case. wonder why our law minister didn't take this up with our defense minister since he supports Dr Ting? Watch the video from the link below for better understanding. http://www.theonlinecitizen.com/2015/01/inventor-forced-by-mindef-to-close-company-over-patent-rights/ Facing a long-drawn and uphill lawsuit with the Ministry of Defence over a patent issue, Dr Ting Choon Meng, an innovator and medical professional, decided to withdraw his case due to mounting legal costs and a battle for which he saw no end in sight. Even worse, given that Mindef is now demanding about S$580,000 in legal fees, to have his patent revoked and assign the rights to the Ministry, Dr Ting is looking at the very grim prospects of closing down his company Mobilestats Technologies Pte Ltd, the company holding the patent rights to his invention, the Station With Immediate First-Aid Treatment (SWIFT) vehicle. “I am completely disheartened,” said Dr Ting. “After this incident, suffice to say that I have lost confidence in Singapore’s ability to be a global IP hub.” What made his case even more poignant is that Dr Ting was appointed to the board of directors for the Intellectual Property Office of Singapore (IPOS) since April 2013. He has since stepped down in January 2014, after he withdrew his case against Mindef. “It has come to a point whereby I am honestly convinced that there is no true conviction right at the top of our government for Singapore to be transformed into a Global IP Hub,” he had written in his resignation letter. “Recent events and processes in my own encounter have unfortunately shown me that without real conviction and internalization from the top, what we are trying to do in IPOS are but lip service.” International certification for innovation Dr Ting and his partners invented SWIFT, effectively a quick-deployment first aid station for crisis use, after the 11 September 2001 attacks on the US. Television footage of 9/11 made him realise that a vehicle-based medical facility would be a great game-changer in managing casualties during crises. Subsequently, he applied for patent rights for his invention in no less than nine countries and successfully obtained the rights to intellectual property (IP) in almost all of them, including his home country Singapore. His application to IPOS was filed on 27 December 2002, whereby it received a few rounds of checks through the reputed Danish Patent and Trademark Office, before it was finally approved on 6 July 2005. Dr Ting and his partners continued to file for patent rights in eight other countries and regions, and received similar approvals in Australia, Japan, Israel, Taiwan, Malaysia, Hong Kong, the United States of America and Europe. During the long journey of certifying the IP for SWIFT, Dr Ting and his partners presented the concept to Commissioner of the Singapore Civil Defence Force Singapore Civil Defence Force, Mr James Tan, in 2004 and was asked to help build a prototype for trial purposes SCDF eventually called for a tender in 2006 for vendors to manufacture SWIFT, and within the tender documents, indicated that interested bidders need to first sign a licensing agreement with Mobilestats before SCDF would consider their bid. The SWIFT vehicles went on to serve its operational needs, and were publicised several times as an icon of “SCDF innovation”. “It needs to be ruggedized” However, Dr Ting had a less pleasant experience with Mindef. At a trade fair in 2005, Dr Ting spoke to BG (Dr) Wong Yue Sie, then chief of the SAF Medical Corps, about the SWIFT vehicle that was on display. “He told me that changes would have to be made to the vehicle if it were to be adapted for SAF’s use,” recounted Dr Ting. “For example, the vehicle would have to be painted to camouflage and it needed to be ruggedized. I told him that such changes would not be a problem, but I informed him the vehicle was patented.” “He told me that he would contact SCDF and said to me that, “maybe we can do it on our own” or words to that effect. I remember that clearly because I remember telling him that he could not do that because the vehicle was patented.” Dr Ting never heard from Mindef since. However, in April 2009, the Defence Science and Technology Agency called a tender to procure a “Mobile First-Aid Post”. While the tender required bidders to obtain licensing agreements for IP, DSTA’s tender did not specifically mention Dr Ting’s SWIFT, as SCDF’s has done. The contract was eventually awarded to Syntech Engineers Pte Ltd for production, which did not contact Dr Ting or his partner about the patent. “In fact, I didn’t know that they infringed our IP until we saw the vehicle exhibited at National Day Parade 2011,” said Dr Ting. It was supposedly the same vehicle that was featured in the 2011 National Day Parade, apparently as a fully operational model. Intention to infringe? Dr Ting decided to pursue the legal route with Mindef. “I can’t take it up with the vendor – they will just throw it back to Mindef, because they set out the tender. In any case, it was Mindef who drew up the specifications, they decided on the vehicle, so they should uphold the IP.” Curiously, in the exchange of legal letters, Mindef’s representing lawyers from Wong and Leow LLC accidentally faxed him a letter from Syntech, dated March 2009 and addressed to Mindef, outlined the company’s clear intent not to pay any heed to Dr Ting’s patent. Syntech wrote: “We noted your concern with regards to the possible infringement of their patent rights under their SG Publication Number 113446. Together with our legal advisors, we have studied their patent design as compared to our Medical Shelter design submitted under Tender Ref No. 7108105610. We have conclude that there is no infringement of their patent rights. Moreover, we have also concluded that their patent lacked novelty and/or inventive step… As such, it will be very difficult for them to defend their patent rights.” After receiving the fax, Dr Ting said Wong and Leow LLC frantically called him to ask him to destroy the letter. “It’s clear that Mindef is aware of potential infringement and had asked Syntech about it, but the company has decided not to obtain the IP license from us,” said Dr Ting. “Why did Mindef let that happen? Instead, they have effectively decided that our IP can be contested. And this was after IPOS has certified the patent!” War of attrition What Dr Ting did not count on was that the case would drag on for two years, costing him a fortune that effectively outweighed any licensing fee he would have been able to obtain from a successful case. “It’s a war of attrition,” he said. “Mindef not only had the Attorney General defending them, they also contracted Wong and Leow. Why did they need so many lawyers? They kept delaying the case, claiming that their witness was not available. Meanwhile, every delay cost me in legal fees. I have no more money to fight this case.” Eventually, Dr Ting decided to drop the case in January 2014, as the legal cost was too high for him to bear. Just as perturbing was Mindef’s actions to “settle” the case. Dr Ting had offered them settlement terms indicating that each party pay for their legal fees, that he would not claim IP license fees for the vehicles Mindef has already built and allowing them royalty-free use for up to three years. However, charges will apply for subsequent vehicles built by Mindef. Fairly reasonable, he thought. However, just two weeks before the scheduled trial, Mindef dropped a bombshell with their “counter-offer”: Dr Ting had to pay for Mindef legal costs, drop all claims to IP, and surrender his patent for SWIFT in Singapore as well as for the other seven countries the patent is registered in. This meant that Dr Ting not only lost the right to claim damages for the original infringement, but can no longer exercise his patent rights to SWIFT with other developers anywhere else in the world. Just as strangely, although the courts awarded Mindef the right to revoke Dr Ting’s patent for SWIFT in October 2014, he heard from his sources that the agency has to date not gone to IPOS to complete the revocation. “When I dropped the case, my conditions was that I would not claim for the vehicles Mindef has made, so long as they stop infringing on my IP,” said Dr Ting. “Instead, they countered by demanding that I pay their legal fees, and grant them free use of the patent.” Meanwhile, Wong and Leow LLC slapped him with a legal bill of about S$580,000. Dr Ting had no more money to pay, and would likely have to put the company in receivership. Which means any party that takes over Mobilestats would still have the IP rights to SWIFT, until Mindef chooses to revoke it with IPOS. “I honestly have no idea what Mindef is now planning to do with the IP for SWIFT,” said Dr Ting. “What I do know is that Mindef has produced up to 58 copies of the same vehicles. What for? I was a battalion commander in the Medical Corps before, and by my estimate, the entire SAF would only need about 12 to 14 SWIFT vehicles for its entire operational needs. Why produce 58?” The Online Citizen has sent a request to Mindef to comment on this article. We will publish their response, if any, when they reply