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Picanto
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DA has no obligation to check.Its only when there is a claim that they will check. Anyway, the person who never read the terms and conditions and then blame DA is in the wrong.

Both at fault

 

One, DA did not check whether the authorized driver was suspended before they took up the insurance

Two, TS never read the fine prints.

 

From biz point of view, DA did nothing wrong being a budget company they take low premium to cover low risks.

 

However as a consumer myself, I would not subscribe to DA for cheap insurance. I'm kiasu and kiasee and I would pay more to have a better coverage... Penny wise, Pound foolish...

 

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That's why i don't buy motor insurance online. Need to spent time to read T&C.

 

In fact, i am the ONLY driver of my car.

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The average family in Singapore usually has one car and its shared by the family members. There can be many unforeseen circumstances any motorist can encounter but the policy holder may not have thought of when he clicks online to buy the insurance. There is no agent to remind or explain to you the unusual / special conditions. Honestly, when an insurance has many strict parameters, is it something good to the public? I truly advise motorist to be very careful of such insurance products.

 

They are not paying just my loss, but also the 3rd party damage. its a big financial burden to a family.

 

I can not imagine if all motorists are 'covered' with this kind of limited scope insurance and got caught by the clauses, have to pay themselves to all the parties involved in accident. If the driver does not have the financial mean to settle by himself, its a social problem and I feel its against the fundamental of why every motorist needs to take up insurance under the traffic act.

 

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Twincharged

my own personal exp:

 

accident with taxi last year. to be fair, it is a 50-50. We both claimed against each other

 

lost my ncd and premium went up by 30%

 

This was within my expectation. No trouble or DA trying to pull a fast one on me

 

Hence i renewed again (after getting quotes from others)

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6th Gear

 

 

totally agree! you get what you pay for! period!

 

 

yup! concur

 

pay peanuts, get monkey service. LOL :D

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Turbocharged
(edited)

I had a DA policy before (2012). I met with an unfortunate accident due to traffic and weather conditions. My car was totally written off.

 

Received payments from DA without fuss.

 

The point here is: Be honest in declaring, and up front with no hidden information.

 

As for other unforeseen incidents cited by some forumers here, I note them and would be very very careful in authorizing who to drive my car.

Edited by Latio2005A
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Turbocharged

I had a DA policy before (2012). I met with an unfortunate accident due to traffic and weather conditions. My car was totally written off.

 

Received payments from DA without fuss.

 

The point here is: Be honest in declaring, and up front with no hidden information.

 

As for other unforeseen incidents cited by some forumers here, I note them and would be very very careful in authorizing who to drive my car.

That;s the crux of the issue isn't it?

 

For some people, myself included, our car usage and drivers fit comfortably into DA's scheme - so we are happy to be insured by them.

 

At the same time it makes me happy when I see people that tried to "cheat" on their insurance get caught. We qualify for "low risk" insurance, it seems a shame to me that we face being "forced" to pay a higher premium so that riskier drivers are covered - or those that don't take the same care we do. Why should I have to buy a more expensive product just because someone else is too lazy to read the fineprint, or is too lazy to adhere to the conditions of the contract they signed.

It's not like "disqualified driver in the last 5 years" is highly complex or difficult to understand, after all.

Neither is "main driver" nor "drive to work vs drive for work"

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The average family in Singapore usually has one car and its shared by the family members. There can be many unforeseen circumstances any motorist can encounter but the policy holder may not have thought of when he clicks online to buy the insurance. There is no agent to remind or explain to you the unusual / special conditions. Honestly, when an insurance has many strict parameters, is it something good to the public? I truly advise motorist to be very careful of such insurance products.

 

They are not paying just my loss, but also the 3rd party damage. its a big financial burden to a family.

 

I can not imagine if all motorists are 'covered' with this kind of limited scope insurance and got caught by the clauses, have to pay themselves to all the parties involved in accident. If the driver does not have the financial mean to settle by himself, its a social problem and I feel its against the fundamental of why every motorist needs to take up insurance under the traffic act.

 

 

Why do you buy from DA?

 

Even it is handled through agent, it is still the responsibility of the insured to read through T&C.

 

The only reason DA is so cheap is that DA ring fence with strict T&C.

 

Even though there is only 2 person in my household, she don't get to drive my car.

 

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Turbocharged

The average family in Singapore usually has one car and its shared by the family members. There can be many unforeseen circumstances any motorist can encounter but the policy holder may not have thought of when he clicks online to buy the insurance. There is no agent to remind or explain to you the unusual / special conditions. Honestly, when an insurance has many strict parameters, is it something good to the public? I truly advise motorist to be very careful of such insurance products.

 

They are not paying just my loss, but also the 3rd party damage. its a big financial burden to a family.

 

I can not imagine if all motorists are 'covered' with this kind of limited scope insurance and got caught by the clauses, have to pay themselves to all the parties involved in accident. If the driver does not have the financial mean to settle by himself, its a social problem and I feel its against the fundamental of why every motorist needs to take up insurance under the traffic act.

 

What you seem to be asking for is a govt provided / socialist insurance...

 

Everybody pays in and everybody is covered under the same terms and conditions.

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Agree on the responsibility of the insured to read the T&C even through an agent except that from my experience over decades of owning a vehicle, my usual insurer had never once asked me to top up my premium otherwise have my policy cancelled after I had paid the premium. Had DA checked before I paid the premium and not after 3 months into the policy, I can accept the counter offer since the oversight over a non liable accident was not intentional but due to lack of memory since it happened more than 2 years and was not claimed against my policy. To avoid unnecessary hassle, I paid the additional $400.00 to complete the policy year.

Hence, IMO, it was not business as usual as far as DA is concerned and I presume it is probably the same with other budget on-line insurers..

Nevertheless, I can accept that it is their prerogative how they want to operate and thenceforth, decided to go back to my usual insurer which turned out to be as competitive if not more than DA.

Guess no one insurer is a size fit for all.

 

Why do you buy from DA?

 

Even it is handled through agent, it is still the responsibility of the insured to read through T&C.

 

The only reason DA is so cheap is that DA ring fence with strict T&C.

 

Even though there is only 2 person in my household, she don't get to drive my car.

 

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Getting cheap insurance means there will be more exclusions; otherwise how can they survive ?

As long as you are happy with your choice and find the premium acceptable, there is no point to keep changing insurance company every year just to save some $.

 

 

In the event of accident, even if the other party did not manage to claim from you successfully, it does not mean end of story. There is a time frame - not sure if it is 7 years - the insurance (of the other party) can still open up the claim again and if you keep changing, you may forgot who you insured with.

 

 

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Getting cheap insurance means there will be more exclusions; otherwise how can they survive ?

As long as you are happy with your choice and find the premium acceptable, there is no point to keep changing insurance company every year just to save some $.

 

 

In the event of accident, even if the other party did not manage to claim from you successfully, it does not mean end of story. There is a time frame - not sure if it is 7 years - the insurance (of the other party) can still open up the claim again and if you keep changing, you may forgot who you insured with.

 

 

 

Above point in red holds true for me if the price difference is not large. By that, I would mean about 10%.

 

For my previous Forester, my agent showed me the quotes from NTUC, AXA, Chartis, and the likes.

Even after he entirely discount off his commission of 15%, DirectAsia still cheaper by few hundred.

Too compelling for me not to take from them.

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Supersonic

at the end of the day, ALL insurers T&C will differ by a bit. Every company has different pricing strategy and target market.

 

Nobody force consumers to take up insurance with them. Its our OWN responsibility to read what we are paying for.

 

Just has a look on DA website, the below clause is on the first page, if one do not even bother to read, then too bad.

 

  • No driver has had any class of licence suspended or cancelled in the last 5 years.

 

My question to georgehk, so is that driver a valet or your friend/relative ? Now that you have switched insurer, have you read the T&C ? -_-

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Supercharged

Insurance companies should use simple English that layman can read u understand

DA yet to answer me some questions about the "drunk" accountant's accident where DA reject the claims even when TP found the driver to be not drunk.

 

Anyway, simple 5 questions from DA and a big font (Before we start).

 

post-61679-0-26814100-1430968019_thumb.png

 

If this fine print not enough, go check Aviva's.

 

post-61679-0-74112000-1430968362_thumb.png

The question from Aviva is even trickier.

 

Why makes me think so?

I want to ask DA to insure me for a CTR/MPS or in general high BHP cars.

DA don't insure these cars.

So it is natural for DA to refuse me insurance right.

Aviva's question, refuse insurance for any reasons.

 

Will Aviva go and check on my RFQ and reject my claims???

Who knows?

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DA yet to answer me some questions about the "drunk" accountant's accident where DA reject the claims even when TP found the driver to be not drunk.

 

Anyway, simple 5 questions from DA and a big font (Before we start).

 

attachicon.gifUntitled.png

 

If this fine print not enough, go check Aviva's.

 

attachicon.gifUntitled 2.png

The question from Aviva is even trickier.

 

Why makes me think so?

I want to ask DA to insure me for a CTR/MPS or in general high BHP cars.

DA don't insure these cars.

So it is natural for DA to refuse me insurance right.

Aviva's question, refuse insurance for any reasons.

 

Will Aviva go and check on my RFQ and reject my claims???

Who knows?

They are wise not to.insure your cars. These are high risk stuff

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Turbocharged

DA yet to answer me some questions about the "drunk" accountant's accident where DA reject the claims even when TP found the driver to be not drunk.

 

Anyway, simple 5 questions from DA and a big font (Before we start).

 

attachicon.gifUntitled.png

 

If this fine print not enough, go check Aviva's.

 

attachicon.gifUntitled 2.png

The question from Aviva is even trickier.

 

Why makes me think so?

I want to ask DA to insure me for a CTR/MPS or in general high BHP cars.

DA don't insure these cars.

So it is natural for DA to refuse me insurance right.

Aviva's question, refuse insurance for any reasons.

 

Will Aviva go and check on my RFQ and reject my claims???

Who knows?

If Direct Asia doesn't insure these cars, then you haven't been "declined"

 

I think the common understanding of "declined" would be that you applied and they turned you down - in the case of cars they don't insure then you can't / don't apply.

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