Singapore Nissan Owners Group
Nissan Car Lounge - Almera, Juke, Latio, Qashqai, Sylphy, Teana Owners => Latio => Topic started by: moochi on August 27, 2008, 02:40:33 PM
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Just like to ask you guys here which company did you buy your motor insurance from and why?
I'm currently on ntuc classic plan and it's going to be up for renewal soon...
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Hi, my car insurance(current AIG) is also due next month.
Asked for quote from a few companies...
So far the best price is from MSIG..
I have not use this company insurance before...so still holding on
Anyone using MSIG might like to feedback a bit....Thanks
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Hi Guys,
You can try India Insurance. They are cheap. All other insurance premium are X. I m currently using India Insurance.
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Guys... care to elaborate how much are you quoted/paying?
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Hi, my car insurance(current AIG) is also due next month.
Asked for quote from a few companies...
So far the best price is from MSIG..
I have not use this company insurance before...so still holding on
Anyone using MSIG might like to feedback a bit....Thanks
hi!
i hv heard my fren saying about MSIG oso. it is a japanese insurance company, rite? shld find out more as my insurance is due on nov 08.
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Best to avoid NTUC as it is very troublesome when it comes to claiming and they usually don't give you the full claim amount.
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many say when you go with aig, you are paying for the better aftersales service. true?
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Guys... care to elaborate how much are you quoted/paying?
For MSIG, they quoted me $1,560 after NCD 10%... Excess is $500. Furthermore you can bring the car back to agent for repair if encounter accident. Windscreen replacement should be unlimited. For DBS card holder, you can pay the premium by installment. :thumbsup:
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For MSIG, they quoted me $1,560 after NCD 10%... Excess is $500. Furthermore you can bring the car back to agent for repair if encounter accident. Windscreen replacement should be unlimited. For DBS card holder, you can pay the premium by installment. :thumbsup:
hmm.. sounds not bad.. only DBS card got premium by installment?
my fren's using Indian Insurance.. quite cheap leh.. but not sure about the details..
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Guys... care to elaborate how much are you quoted/paying?
I was quoted (from MSIG) at $700, comprehensive, NCB protector, any workshop, excess $500...etc
for my 2 year latio sedan....My NCB 50% + 5%
Will check out India Insurance...thanks
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Try China Insurance too.
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Website for India Co?
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for india, try www.iii.com.sg. i paid 1054 after 10% ncd. i m using my dad's name. age 67.
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for india, try www.iii.com.sg. i paid 1054 after 10% ncd. i m using my dad's name. age 67.
1054 i tot stil consider ex? i tot the older u are the cheaper the insurance? my colleague's insurance less than 1k... he's late 40s. My insurance also up for renewal soon... alao wana find out which insurance co. is gd...
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for india, try www.iii.com.sg. i paid 1054 after 10% ncd. i m using my dad's name. age 67.
Wah lau..... My dad only paying about $400+ for AIG after 50%NCD. Around same age.
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This year premium seems to have gone up. I didn't have time to shop around and just paid the $1300 quoted by AIG. Last year I paid same amount (so this year should be lesser with increased NCD right? But...) Last year, I got a few quotes and surprisingly, AIG was the cheapest. NTUC quoted me 1500 for any workshop plan, MSIG, citibank and somebody else quoted me about that amount too. AXA's wa most ex at 1600.
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Wah lau..... My dad only paying about $400+ for AIG after 50%NCD. Around same age.
The premiums are dependent upon several factors, like your occupation, age, history of claims, make & model & market value of car etc.
So it can vary a lot.
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This year premium seems to have gone up. I didn't have time to shop around and just paid the $1300 quoted by AIG. Last year I paid same amount (so this year should be lesser with increased NCD right? But...) Last year, I got a few quotes and surprisingly, AIG was the cheapest. NTUC quoted me 1500 for any workshop plan, MSIG, citibank and somebody else quoted me about that amount too. AXA's wa most ex at 1600.
To get the best quote, it is best to contact an insurance agency which will source for the best quote for you from several insurance companies, eg. from AIG, AXA, NTUC, China Insurance, India Insurance etc.
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To get the best quote, it is best to contact an insurance agency which will source for the best quote for you from several insurance companies, eg. from AIG, AXA, NTUC, China Insurance, India Insurance etc.
May i know which insurance agency can help us source for best quote ?
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Yes. I called up ntuc and they too told me that insurance premium has gone up some 20% to 30% across the board.
Anyway, they quote me $900 for renewal, price includes 10% NCD. (classic plan)
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May i know which insurance agency can help us source for best quote ?
Tradsurance Agency - 6533 7757
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The premiums are dependent upon several factors, like your occupation, age, history of claims, make & model & market value of car etc.
So it can vary a lot.
Latio Sedan '06. Same as mine.
Not much variation. SE showed us the standard AIG insurance premium schedule when we first buy car. He has been paying this rate since because it is the lowest already. So to pay $1000+ for 60+ years old with 50%NCD is not cheap.
For me got some mark up from standard schedule because my driving record in Singapore not very long.
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hi!
i hv heard my fren saying about MSIG oso. it is a japanese insurance company, rite? shld find out more as my insurance is due on nov 08.
Previously called Aviva. :D
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OK..Thanks alot bro clarence.... :thumbsup:
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i need to renew car insurance too
now with AIG, are they going to send us auto-renewal option?
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Ya...I got the AIG renewal form and their cal yday.... But was offer by Aces Insurer on the commercial offering section for EQ insurance @ 1.7k...... Any bros can advise if this EQ insurance is good? Honestly nvr heard of them....Claimed to be a rising local insurer.....
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From my personal experience, all insurance companies are OK when it comes to claims except for NTUC which can be a little sticky and complicated.
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Me 36 yrs old. OAC ins @ $678. NCB protection but need to go to authorised workshop only. Excess $500.
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Me 36 yrs old. OAC ins @ $678. NCB protection but need to go to authorised workshop only. Excess $500.
same age group, latio sports, 1-year old but AIG S$1.5k
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omg.... just received my AIG renewal...
more EX than last year!
last year total : $1826.75
renewal total: $1981.04 :scared:
siao one!
some more its after the 15% off peak car discount + 10% NCD discount!!!!
i am seriously looking out for other quotes to compare now...
requesting from MSIG and also insurance brokers.....
:glare:
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You should have tried Maybank, India Insurance, China Insurance or EQ Insurance.
AIG premiums are on the high end.
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just to check>> what is the difference in premium for ??if for the SAME car, the difference in premium quoted by each company is base what??
high premium = GOOD coverage/unlimited excess,etc
low premium = Lousy coverage or same coverage as high premium
High premium = good/ez claim process
low premium = bad/hard claim process
Maybe we can compile a list of Value for $$$ insurance for everyone.. then can put as sticky hehe
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Low premiums does not equate to high excess or difficulty in making claims.
It is the company culture and management mindset.
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aig quoted me about $1700+ this year!
last year was $1400+!!!
in the end got msig for $1267..same coverage woohoo :thumbsup:
omg.... just received my AIG renewal...
more EX than last year!
last year total : $1826.75
renewal total: $1981.04 :scared:
siao one!
some more its after the 15% off peak car discount + 10% NCD discount!!!!
i am seriously looking out for other quotes to compare now...
requesting from MSIG and also insurance brokers.....
:glare:
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sorry...if wanna source for quotation from various insurance companies, we must provide them
with all the personal + car details ?
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Yes.
They also look at your job profile.
If you are outdoor salesman, premium will be higher as you spend longer hours on the road.
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omg.... just received my AIG renewal...
more EX than last year!
last year total : $1826.75
renewal total: $1981.04 :scared:
siao one!
some more its after the 15% off peak car discount + 10% NCD discount!!!!
i am seriously looking out for other quotes to compare now...
requesting from MSIG and also insurance brokers.....
:glare:
Wave, off peak car got insurance discount meh? :confused1: :confused1:
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Wave, off peak car got insurance discount meh? :confused1: :confused1:
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for the AIG renewal... they got put 15% off for off peak car.... and also 10% off my NCD...
but still expensive!
anyway now DBS got promo with MSIG for Driveshield... comprehensive one..
got $100 free petrol voucher... and if u sign up their esso card... got additional $300 grooming voucher....
the price i got online was only $1390! excess only $700!
but must submit through the DBS website la
some more if pay by DBS credit card can pay instalment 12 mths! :thumbsup:
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for the AIG renewal... they got put 15% off for off peak car.... and also 10% off my NCD...
but still expensive!
anyway now DBS got promo with MSIG for Driveshield... comprehensive one..
got $100 free petrol voucher... and if u sign up their esso card... got additional $300 grooming voucher....
the price i got online was only $1390! excess only $700!
but must submit through the DBS website la
some more if pay by DBS credit card can pay instalment 12 mths! :thumbsup:
yo sis i got a quote from china insurance for only 1k + abit only but wats pulling me over is the 0 excess :thumbsup: u guys can give china a try :yehyeh: for the record mine also opc and 10%ncd......also saw the renewal from AIG my god almost 1.5k :nonod: shredded the renewal and throw it into the rubbish bin straight :mad:
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Mine also up in Oct, and AIG quote me >$1700 with 10% NCD.
Am looking around thru a few agents ... anyone can PM me the China Insurance one?
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omg.... just received my AIG renewal...
more EX than last year!
last year total : $1826.75
renewal total: $1981.04 :scared:
siao one!
some more its after the 15% off peak car discount + 10% NCD discount!!!!
i am seriously looking out for other quotes to compare now...
requesting from MSIG and also insurance brokers.....
:glare:
sis, lady premium is lower coz they think lady will drive slower (it is ok for them if other people bang you as you dont bang other people)
if younger than 26 premium will be high.
Newer car premium high, sport car also high.
I am at $700~$800/yr zone now. 1st party, appointed workshop only.
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I also just received my AIG renewal on last Friday
Renewal : $1750
I threw it into the dustbin liao.....
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I received my AIG renewal last week too. Renewal: $2.4k with 10% NCD. :crycry:
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yo sis i got a quote from china insurance for only 1k + abit only but wats pulling me over is the 0 excess :thumbsup: u guys can give china a try :yehyeh: for the record mine also opc and 10%ncd......also saw the renewal from AIG my god almost 1.5k :nonod: shredded the renewal and throw it into the rubbish bin straight :mad:
wah 1k only ah... but then what about the policy coverage.. can detail a bit...
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I received my AIG renewal last week too. Renewal: $2.4k with 10% NCD. :crycry:
That is very HIGH premium.
Are you in the early 20s age group?
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by the way, this is a piece of information I found out while sourcing for quotations.
Last year AIG quoted me about $1.5++ initially, then afterwards called me to say the Premium will be different and higher cos my car is SPORTS version. SO i ******** say ok .... ended up paying $1650+++ .. means about one hundred plus more!!
Found out from other insurance such as AXA and MSIG that our car not considered SPORTS even though the name states LATIO SPORTS... as long as engine capacity is same for the sedan/saloon version it's not sports!
grrr kena conned......
:glare:
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I'm with India insurance. About 1k also. Can go to any workshop including tan cheong and excess is 500
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These insurance companies are downright dirty.
Sports version is just a name given to a model with added body kits. It has the same engine as the non Sports version, so I don't understand how it can carry a greater risk.
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Just collected my car, AIG's assess is $600 now? Thought is $500? My SE said they (AIG) just revised since March 2008, can anyone verify that?
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That is very HIGH premium.
Are you in the early 20s age group?
26 years old with 5 years of driving experience. I still think it is ridiculous for such a high premium for a 1.5 cc vehicle. Anyway while sourcing around for quotes, as what wave mentioned, some insurance companies even dare to say that the reason why so high premium is because its LATIO SPORTS version. What nonsense........
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My friend was quoted $1750 for Tan Chong AIG insurance earlier this year.
He is 30 and have not driven since he got his driving license 7 yrs ago.
He declined the AIG insurance and opted for EQ insurance instead. He paid only $1250 with $500 excess based on 0% NCD.
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wah 1k only ah... but then what about the policy coverage.. can detail a bit...
Yo sis u can read it up on the link below...
http://www.chinainsurance.com.sg/chinainsB2C/products/private_autosafe.htm
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anyone had claim experience with China/India insurance, care to share, thx.
no doubt they are cheapest, but claim process also impt...
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My insurance expiring in Sept...AIG sent me a renewal notice for 2.1K (i paid only 1.7K last yr). I asked them why so expensive they told me because increase in premium across the board...i lazy to check so just sent them a cheque. After two weeks no reply from them i called up to check they told me my premium increased to 2.3K now so cannot process. I was so pissed off that i called them to demand an explanation. After talking to them for two days then i managed to iron out all the issues. In the end they say my premium should be only 1.8K.
I totally lose confidence in the way that AIG works...they refuse to give me the contact no. of their claims and underwriting dept. All calls must go thru their service hotline and the people from the service hotline can only answer basic questions based on whatever that is entered into the system by the underwriters and claims dept. Everytime i call them they tell me someone will check and call me back but i never get any calls from them. Worse thing is everytime i call the service hotline person tell me a different premium cos they are just reading from the system!! I only got confirmation from them today that 1.8K should be by premium...and there's only 2 days before my insurance expire. Somemore nobody from AIG bothered to contact me when they increase the premium and the renewal application that i sent was not successful. Totally unprofessional....!!
I am still waiting for an official explanation from AIG on what caused the delay. Those of u who are renewing your insurance better get some quotes early...dun be like me...lazy thought just pay and renew with current one.
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To avoid being caught in such a situation, I had suggested in an earlier post to source for the best quote from an insurance agency. Let them do the leg work for you.
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I am still waiting for an official explanation from AIG on what caused the delay. Those of u who are renewing your insurance better get some quotes early...dun be like me...lazy thought just pay and renew with current one.
Thanks for sharing your experience. Have sent to 4 different agency since Mon and yet to get any quotation (only a call to get more info and another to inform me they he'll contact me soon). I'll wait till Fri before I pull my last card ...
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I received my AIG renewal last week too. Renewal: $2.4k with 10% NCD. :crycry:
same as me.. my AIG renewal also $2.4k+.. so much higher compared to $1.9k+ than wat i was paying last yr... decided to go for India Insurance as they quote me $1.6k+ with 10% NCD. Excess $500 any workkshop. can also go bk Tan chong
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Sigh...my case is a complicated one...due to the accident that i have, AIG increased my loading and remove my NCD ( even though i did not make any claims) but they never commuicate that to me and the increase was not stated in the renewal letter sent in Sept even though the accident happened in June...Called their service line but nobody can advise me on what is happening.
Even if i get another quote from other insurers i wouldn't have been able to get an accurate quotation cos NCD is carried over from one insurer to another...so morale of the story..make sure u understand why they are increasing the premium...dun just accept what the helpline tells u...like Wave was sharing...some of the reasons can be rather absurb...(higher premium for lation sports??)
Just got a call from AIG ...they just kept on saying that the delay in renewal is caused by delays from the claims side as they need time to investigate the case and close it...I told them a hundred times that i understand that ....i just want to understand why they never pro-actively inform me of the changes and instead i have to call their helpline for days to get an idea of what is happening to my renewal and premium. Somemore everytime i call got different story and premium...really fustrating...will definitely check out those cheap insurance..since expensive one doesn't seem to be any better...
FYI i also called NTUC...asked for a quotation for their Premium insurance (allow repair at own workshop ) and they quoted me 2k with 10% NCD...if i compare with what AIG is offering now (1.8K )they are more expensive...if u take the normal one (appointed workshop) its 1.7K slightly cheaper than AIG..
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Looks like we must die die discontinue with AIG...
My premium with AIG last yr was $1.9k, expiring on 28th Nov. Although they havent send me any renewal, i guess it will be higher.
i have since ask from quote from the followin companies - i think i will sign up with OAC..
MSIG $15++ (this one got free $100 petrol vouchers)
OAC (Great eastern) $1500
RSA $19++
NTUC 19++
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for your reference only !!!
**AIG (current) quoted $822 !!!
finally got my quote from ............ Web: www.ra.com.sg / Email: eirik@ra.com.sg
Asia; $697.80, zero excess at Asia appointed workshops or $400 excess at nissan workshop
SHC Capital; $696.41, excess $500, any workshop of your choice
AXA; $767.45, zero excess, AXA appointed workshops only
China; $886.76, zero excess, china appointed workshops only
NTUC; $734.45, excess $500, NTUC appointed workshops only.
**quotes based on 50% NCD + 5% OFD, with no accident/claims in the past 3 years.
Tks !!
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for your reference only !!!
**AIG (current) quoted $822 !!!
finally got my quote from ............ Web: www.ra.com.sg / Email: eirik@ra.com.sg
Asia; $697.80, zero excess at Asia appointed workshops or $400 excess at nissan workshop
SHC Capital; $696.41, excess $500, any workshop of your choice
AXA; $767.45, zero excess, AXA appointed workshops only
China; $886.76, zero excess, china appointed workshops only
NTUC; $734.45, excess $500, NTUC appointed workshops only.
**quotes based on 50% NCD + 5% OFD, with no accident/claims in the past 3 years.
Tks !!
Mine have 10% NCD + 5% white card, accident free.
Got Quotation from EQ:
$1162, $500 excess, appt workshop only.
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Just collected my car, AIG's assess is $600 now? Thought is $500? My SE said they (AIG) just revised since March 2008, can anyone verify that?
For those bro/sis who has just collected their car from Tan Chong, AIG assess is $600 instead of $500?
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wah 1k only ah... but then what about the policy coverage.. can detail a bit...
yo sis i just got a even better quote from india at 950 only! any workshop and 500 access! good deal :yehyeh:
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yo sis i just got a even better quote from india at 950 only! any workshop and 500 access! good deal :yehyeh:
Can PM me the contact too? ... need cheap cheap car insurance ...
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I received my AIG renewal last week too. Renewal: $2.4k with 10% NCD. :crycry:
My broker just check with MSIG. They quote me $1559.60.
All terms and conditions offered by MSIG is similar to my existing AIG plan including the $500 excess payable on claims and I can bring the vehicle to Tan Chong Motors directly for reporting and repairs in the event of accidents as Tan Chong Motors is also one of the approved reporting centres of MSIG.
Sounds like a good deal since I can save about $800 lol. Nevertheless going to look around for a week more before making any decision.
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My broker just check with MSIG. They quote me $1559.60.
All terms and conditions offered by MSIG is similar to my existing AIG plan including the $500 excess payable on claims and I can bring the vehicle to Tan Chong Motors directly for reporting and repairs in the event of accidents as Tan Chong Motors is also one of the approved reporting centres of MSIG.
Sounds like a good deal since I can save about $800 lol. Nevertheless going to look around for a week more before making any decision.
May i know how much is your current insurance with AIG ?
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My broker just check with MSIG. They quote me $1559.60.
All terms and conditions offered by MSIG is similar to my existing AIG plan including the $500 excess payable on claims and I can bring the vehicle to Tan Chong Motors directly for reporting and repairs in the event of accidents as Tan Chong Motors is also one of the approved reporting centres of MSIG.
Sounds like a good deal since I can save about $800 lol. Nevertheless going to look around for a week more before making any decision.
Look harder, you might be saving another $400 ...
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AIG quoted me $1750. Finally took up NTUC with $1050. Apple to Apple except NTUC go through IDAC.
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Have you tried EQ and SHC Insurance?
What's your age group and % NCD?
NTUC is sticky when it comes to claims.
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May i know how much is your current insurance with AIG ?
Current one is 2.4k premium
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Look harder, you might be saving another $400 ...
I am searching very hard hahaha. But do you think its possible to get that cheap premium for a 26 year old?
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For a 26 yr old with 0% NCD, you should not be paying more than $2,000 in annual premiums if you insure with other insurers, based on current market rate.
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Have you tried EQ and SHC Insurance?
What's your age group and % NCD?
NTUC is sticky when it comes to claims.
I didn't try to get many quotes. EQ and SHC are not in the list. Signed up liao, sian liao....Dun wan to waste time. Some even quoted $2K+ :out:
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yo sis i just got a even better quote from india at 950 only! any workshop and 500 access! good deal :yehyeh:
sounds good lei....
i still waiting for my policy from MSIG... i sign up online through DBS Driveshield...
dunno approve or not? call their hotline they say under process within 7 days will mail out... but i need to know if really approve liao or not....
my insurance expires 7th Oct!
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wave, u can try to renew ur road tax through lta website then u will know whether ur insurance got go through anot... if ur road tax cannot be renew they will tell u not enough insurance coverage.
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wave, u can try to renew ur road tax through lta website then u will know whether ur insurance got go through anot... if ur road tax cannot be renew they will tell u not enough insurance coverage.
ya tats what i did lo... it still dun let me renew so i wondering if my application got process and approve or not... i applied last Sunday lei.....
and their hotline only for office hours which is the time i am not free! :scared:
what will happen if i cant renew my insurance in time ah?
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ya tats what i did lo... it still dun let me renew so i wondering if my application got process and approve or not... i applied last Sunday lei.....
and their hotline only for office hours which is the time i am not free! :scared:
what will happen if i cant renew my insurance in time ah?
Unable to renew your road tax therefore unable to use your car. Simple. :smile:
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Can PM me the contact too? ... need cheap cheap car insurance ...
Do call Meina now at 97429180 for a pleasant surprise
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Do call Meina now at 97429180 for a pleasant surprise
i also just renew my insurance from her. U can ask her to help u renew ur road tax too....
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Do call Meina now at 97429180 for a pleasant surprise
she's from which insurance company??
my insurance's due in 2wks!! & AIG gave me a so-called 10% NCV, which amts more than what i paid last yr.. crappy..
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she's from which insurance company??
my insurance's due in 2wks!! & AIG gave me a so-called 10% NCV, which amts more than what i paid last yr.. crappy..
She is a broker for insurance.....she will help u source around for the cheapest
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She is a broker for insurance.....she will help u source around for the cheapest
so just give her a call & she will settle the rest?
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so just give her a call & she will settle the rest?
Yah just give her a call she will ask u some questions about ur driving experience,age,any claim history.....etc
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hi all, just a quick question. if i bought my vehicle in 2007 and was insured under my name, can i change it to my dad's name during renewal this year?
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No, unless you change the ownership of vehicle to your dad's name and pay a transfer fee of about $600+.
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No, unless you change the ownership of vehicle to your dad's name and pay a transfer fee of about $600+.
in this case, will the insurance company be doing the transfer of ownership for me in the event that i want to change?
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Seems like Asia is value for money.
May I know Asia is TM Asia or AHA, AXA ?
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in this case, will the insurance company be doing the transfer of ownership for me in the event that i want to change?
Transfer of ownership has to be done via LTA and the transfer fees is to be paid to LTA.
So if you are the 1st owner of your Latio, in paper, it will now have 2 owners if you do an ownership transfer.
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No, unless you change the ownership of vehicle to your dad's name and pay a transfer fee of about $600+.
Change of ownership affect the loan? Got to consider this as well.
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Transfer of ownership has to be done via LTA and the transfer fees is to be paid to LTA.
So if you are the 1st owner of your Latio, in paper, it will now have 2 owners if you do an ownership transfer.
Oh.. alrite, thx a lot for the info! :thumbsup:
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i have already signed for RSA .... cheap and good !!!!
NCD: 50% + 5%
AUTOSECURE PLUS COMPREHENSIVE - Insurers' Restricted Workshop
(Restricted to driver's age 30 or above and min 2 yrs driving experience)
Premium : S$ 583.75 (inclusive of GST)
Excess : S$ 0 (after waiver of excess $350)
Oliver Ong
InsureMyCar
Mobile: (65) 9323 9933
Tel : (65) 6291 7975
Email : oliver.ong@InsureMyCar.com.sg
website : InsureMyCar.com.sg
thank you !!
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wah..thats a very good deal...but me dun qualify yet cos only 1 year driving experience..and
when i tried to source for insurance quotations, all of them telling me its too early to
source now cos my current insurance expire in end Dec...asked me to call back in Nov :glare:
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Thanks Pest11.
Cheapest I got and looks good deal. He also (till date) has the fastest turn around time. We settle every thing (from the second I called him for quotation) in a day.
NCD: 10% (5% White card not applicable, as only valid for NCD 30% or more)
Royal & SunAlliance (Marsh AutoSecure Plus) - Insurers' Restricted Workshop
(Restricted to driver's age 30 or above and min 2 yrs driving experience)
Premium : S$ 1140 (inclusive of GST)
Excess : S$ 0 (after waiver of excess $350)
Window Excess : S$0
Oliver Ong
InsureMyCar
Mobile: (65) 9323 9933
Tel : (65) 6291 7975
Email : oliver.ong@InsureMyCar.com.sg
website : InsureMyCar.com.sg
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good for u ...... :thumbsup: