Singapore Nissan Owners Group
Nissan Car Lounge - Almera, Juke, Latio, Qashqai, Sylphy, Teana Owners => Latio => Topic started by: limck007 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
-
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?
-
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.
-
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
-
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?
-
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.
-
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/ (http://www.msig.com.sg/)
:smile:It is unlimited windscreen replacement, doesnt' affect NCD.
-
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"??
-
but zero excess means insurance u pay b damn ex?
-
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
-
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.
-
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
-
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??
-
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.....
-
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
-
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:
-
update
today managed to renew at the price of $1500 comprehensive + 2nd name driver coverage from AXA with Credit Card payment. :yehyeh:
-
Hi limck007, how old are u?
i was quoted 2.7k for renewal too by AHAC(AIG)... kaozzz.... so exx.....
-
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..
-
try this to see how much you have to pay for MSIG. Mine was $711, 50% ncd, 2005 CVT.
https://dbs.enets.com.sg/dbs-insurance/servlet/insurance.DriveShield
-
Hi,
I am due to renew my insurance end of this month. Manage to get a few quotes. All the quotes is more than what I am paying a year back despite I have no claims and got 10% NCD.
Tried on Driveshield, was quoted S$ 1263.83 without any links to the policy wordings. It is incredibly low to be true !!
Wanna check with you ...
do you all think loss of use benefits is important?
So far only one insurance i found offering one to one replacement for 24 months is Mitsui Sumitomo, is one to one replacement really important?
Rgds
Alan