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Author Topic: any good insurance lobang ??  (Read 10495 times)

Offline limck007

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any good insurance lobang ??
« on: April 10, 2009, 04:00:22 PM »
time to renew my insurace liao......

last time i paid $1900+ for my AIG (comprehensive)...

this time round, i was quoted $2500

blood ex leh...

any one got cheap lobang -> have to be comprehensive ....??


*what is the meaning of "excess" ... ? still abit blur leh
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Offline chesterchua

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Re: any good insurance lobang ??
« Reply #1 on: April 10, 2009, 08:35:55 PM »
as far as my understanding, excess is the min amt u nd t fork out when u claim insurance. correct me if i m wrong cause i oso not v sure abt it. and when i renew my insurance i nd insurance lobang too. anyone here have lobang?
« Last Edit: April 10, 2009, 08:39:00 PM by chesterchua »
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Offline limck007

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Re: any good insurance lobang ??
« Reply #2 on: April 10, 2009, 09:36:38 PM »
hmm. so this means.. excess = as low as possible loh.. hehe thks thks

then changing of  windscreen will affect NCD & must we fork out the excess amt too??

i have email/sms a few of the insurance contacts in forum.. if got good lobang, i will update here.
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Offline twelfth

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Re: any good insurance lobang ??
« Reply #3 on: April 10, 2009, 11:22:25 PM »
u can try on the commercial section 1 of them is quite good in the sense the lowest price i got among a fews. TCM quote 2k
so far from ranging 1.5 to 2k
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turret

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Re: any good insurance lobang ??
« Reply #4 on: April 11, 2009, 07:20:21 AM »
How about insuring the named insured as the sole driver of the car? I heard that it does hels to lower the premium abit ...

This will be useful if you are the only one who can and will drive the car within the family U also do not intend to let anyone else drive it.

One question in my mind - under such circumstances,  how abt those valet services? If those valet providers damage the car, then I presume that they have their insurances coverage to cover such losses under these circumstancess....  is this right?
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Offline Toalson

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Re: any good insurance lobang ??
« Reply #5 on: April 11, 2009, 09:55:02 AM »
Yes the excess would mean the amount u need to pay upfront when u claim ur own damage. Thus is always good to get one iwth low or zero excess. However when u 1st buy a nissan its all fixed. I'm looking to change it after 1st year to one with zero excess.
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Offline Midnight

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Re: any good insurance lobang ??
« Reply #6 on: April 11, 2009, 10:00:06 AM »
From my experience for the past 3 years, Mitsui Sumitomo Insurance Group gives the best rate for me. Call direct to their office and the staffs will take it up from there. Friendly.

http://www.msig.com.sg/

 :smile:It is unlimited windscreen replacement, doesnt' affect NCD.
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Offline limck007

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Re: any good insurance lobang ??
« Reply #7 on: April 11, 2009, 10:24:08 AM »
Quote from: Toalson on April 11, 2009, 09:55:02 AM
Yes the excess would mean the amount u need to pay upfront when u claim ur own damage. Thus is always good to get one iwth low or zero excess. However when u 1st buy a nissan its all fixed. I'm looking to change it after 1st year to one with zero excess.

same here ... looking at other good alternatives <>> low excess, good windscreen change and if possible, any repair done aany workshop...


most of the policy is >> repair at authorised workshop... can check with the agent if my "fav" workshop is "authorised" or not??
or is it worth while to have a policy with "repair at any workshop"??
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Offline chesterchua

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Re: any good insurance lobang ??
« Reply #8 on: April 11, 2009, 11:59:19 AM »
but zero excess means insurance u pay b damn ex?
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Offline twelfth

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Re: any good insurance lobang ??
« Reply #9 on: April 11, 2009, 08:19:11 PM »
Quote from: limck007 on April 11, 2009, 10:24:08 AM
same here ... looking at other good alternatives <>> low excess, good windscreen change and if possible, any repair done aany workshop...


most of the policy is >> repair at authorised workshop... can check with the agent if my "fav" workshop is "authorised" or not??
or is it worth while to have a policy with "repair at any workshop"??

some do offer any workshop but of coz higher premium by 100 to 200 different
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Offline Ying

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Re: any good insurance lobang ??
« Reply #10 on: April 12, 2009, 03:54:03 PM »
I am on MSIG drive sheild with $500 excess for any  driver. Last time NTUC no excess but now come with at least $500 excess for second driver.  NTUC's premium is $300+ more than MSIG, I also got $80 petrol voucher from MSIG. You have to know how risky you are on the road? Then you can decide lowest premium or lowest excess. 

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Offline limck007

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Re: any good insurance lobang ??
« Reply #11 on: April 12, 2009, 11:22:07 PM »
so far i got 2 quotes

for me >> 10%ncd on renewal, 5 years driving, comprehensive coverage

TCM quote me $2500 with 500 excess
AXA quote me $2700 with certain excess (not too sure)...

tmr hope got better quotes... and will update everyone here Who might be in the same shoes/status as me
« Last Edit: April 12, 2009, 11:24:37 PM by limck007 »
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Offline limck007

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Re: any good insurance lobang ??
« Reply #12 on: April 12, 2009, 11:23:55 PM »
Quote from: turret on April 11, 2009, 07:20:21 AM
How about insuring the named insured as the sole driver of the car? I heard that it does hels to lower the premium abit ...

This will be useful if you are the only one who can and will drive the car within the family U also do not intend to let anyone else drive it.


eh .. if i opt for comprehensive coverage but i never insured 2nd driver...>> does it means that under comprehensive coverage, ANY driver is also included liao??
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turret

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Re: any good insurance lobang ??
« Reply #13 on: April 12, 2009, 11:35:49 PM »
Quote from: limck007 on April 12, 2009, 11:23:55 PM
eh .. if i opt for comprehensive coverage but i never insured 2nd driver...>> does it means that under comprehensive coverage, ANY driver is also included liao??

Hi limck007,

I do not think so, comprehensive coverage and unnamed driver insured are 2 different things, I believe you have to inform ur insurer that you intend your insurance coverage to cover only yourself and no one else.

http://www.financialhub-sg.com/gen_motor2.html

how come so expensive? did u claim b4? I  start to worry for my coming renewal later this year as well.....
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Offline twelfth

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Re: any good insurance lobang ??
« Reply #14 on: April 13, 2009, 02:28:19 PM »
Quote from: limck007 on April 12, 2009, 11:22:07 PM
so far i got 2 quotes

for me >> 10%ncd on renewal, 5 years driving, comprehensive coverage

TCM quote me $2500 with 500 excess
AXA quote me $2700 with certain excess (not too sure)...

tmr hope got better quotes... and will update everyone here Who might be in the same shoes/status as me


for me 10%ncd on renewal, 9 years driving
AXA quote me $15xx comprehensive coverage + 2nd driver with excess 250
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Offline Toalson

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Re: any good insurance lobang ??
« Reply #15 on: April 13, 2009, 10:14:35 PM »
Quote from: chesterchua on April 11, 2009, 11:59:19 AM
but zero excess means insurance u pay b damn ex?

U will be surprise my previous getz only cost me less than 500 with zero excess.  :cool2:
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Offline twelfth

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Re: any good insurance lobang ??
« Reply #16 on: April 15, 2009, 10:55:52 PM »
update

today managed to renew at the price of $1500 comprehensive + 2nd name driver coverage from AXA with Credit Card payment.  :yehyeh:
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Offline rodrigue

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Re: any good insurance lobang ??
« Reply #17 on: April 16, 2009, 01:08:31 AM »
Hi limck007, how old are u?

i was quoted 2.7k for renewal too by AHAC(AIG)... kaozzz.... so exx.....
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Offline rodrigue

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Re: any good insurance lobang ??
« Reply #18 on: April 16, 2009, 01:11:05 AM »
Jus realised my situation similar to u too... i paid $1.9k previously for AIG insurance.. guessed our age falls below 30.. this time round jumped so much...

do share if u managed to find good lobang hehe.. thks!

i got my car 1 mth later than urs..
« Last Edit: April 16, 2009, 01:26:03 AM by rodrigue »
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Offline Ying

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Re: any good insurance lobang ??
« Reply #19 on: April 16, 2009, 04:26:58 PM »
try this to see how much you have to pay for MSIG. Mine was $711, 50% ncd, 2005 CVT.

https://dbs.enets.com.sg/dbs-insurance/servlet/insurance.DriveShield

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