basically everything is online nowadays... if u go thru dealer, they will also do it online. Generally the most competitive 2 are msig and chartis, else will depend on what brand or model u buying... some companies are cheaper for some brands or models... u have to check around more.
but seriously, why dun u just go thru a broker... contrary to popular beliefs/ignorance, brokers Dun earn your money, they are paid by the banks and insurance companies. and Also, using a broker does not mean your premium is Higher, in fact it can be lower by a fair bit..
there is No Reaon not to use a broker, but i guess plain ignorance.
i have bought and sold 6cars in the last 2yrs, my brokers have always gotten me better quotes than the dealers or online quotations...
so pls, instead of running around yourself, use a broker who can get u quotes from almost all companies, and get u a decent discount.
i dun intend to introduce my broker, but just wanna point u to the right direction. fyi i dun have any insurance with aviva... they tend to be least competitive for the cars i buy..
it really is most times... some pple seem to have this idea that going directly to insurance companies - they can save some money or get a cheaper quote... it's pure ignorance and assumption.
in the first place, a broker/agent doesn't even charge u any money for checking nor going thru them.
so given that it's a win/win for us to check thru these pple... i have no idea WHY we still wanna do it directly. and if we really wanted to be smart... then shouldn't we go thru the agent First, THEN we go directly to see if it can be cheaper?
so the whole point of going directly is becos of? .... i can only think of ignorance and nothing else.
Powder: poor thing. u play piano to cow. ur cars tend to be the sports kind n high end ones, brokers will be able to give a better quote.
I do agree tat many times, i've heard from my frens tat brokers are gd. They can help to compare quotes from a few insurers n more promotions also. One of my frens recently got some CNY promo thingy from Citibank. I think it was some shopping voucher tat he saw from the credit card statement. Sometimes broker is faster than insurer n more competitive cos hungrier for biz. Haha.
in th past i use agent, but once i made a claim. the agent jack up my premium 3 fold. i have ask various agents for quote. n some can give me very diff quote under same insurer. so far aviva provide me the lowest premium with same coverage. thats y thinking to buy from them. Not sure is it i am too superstitious, those insurer that i claimed before(2x) in past few yrs, i boycott them liao. Not their fault but i just dont feel like buying from them. They are MSIG & AIG(AXA now). Insurance co, workshop & surveyor all are pple i dont trust. but boh bian. no buy cannot renew road tax. hahaha!
erm... dun mind me, but i have never met an agent with the power to jack up your premiums.
also, i dun understand what u mean when u say that some agents give u very different quote under same insurer... u mean u dun know? and also, some may not have input your previous claims when getting the quote thus the differences, as well as different tie-ups.
also with 2 claims in the past few years, i think any boycotting is not within your choice... i would think all the more u need a broker to find u the cheapest insurance willing to insure u as a driver.
have u declared to aviva truthfully on your past claims?
aren't u the same gal who was thiking of changing cars?
anyway, i think between the 2, the insurance companies is in a position to trust u less than u trust them... based on your claims.
u are not in a position to bargain, thus this whole thread was misleading to begin with...
could there be more things u're not telling truthfully and misleading pple to 'take your side/view' on this matter?
Here's a workaround ....
if u r thinking of changing cars, one simple solution is to switch to your partner's name for the new car. Select an insurance comprehensive enough to cover unnamed drivers at an excess. It will cover you as well without topping up additional premiums cos of existing claims.
This way, he enjoys whatsoever ncd he is entitled already. This is only a suggestion, please check thr the terms and conditions to confirm if this is feasible.
depends, u need to find companies who allow that... the loopholes are being addressed and u have to name your spouse, if any, and state their experience and past claims... again, read the fine prints... there could be disclaimers and u might find yourself in deeper problems. if it's just car damage still ok... where life and lifetime injuries are concerned, u may find yourself in a whole lot of trouble simply by your non-disclosure or intent to withold information.
better to declare what u need to, and pay the premiums... it is only unfair to those who pay alot becos of those who cheat and mark up their claims. else insurance premiums are quite fair.
i have declared everything and truthfully so i dont understand how come the premium can diff so much. Anyway,i just feel insurance n workshop has its dark side to tell. i guess everyone knows it. This is just my opinion. and this thread is not to mislead anyone becos if u relook at my first post, i m asking for advice for aviva online n wanna pple who buy b4 to share experience. Is becos u prompt further so i just share my view.
i know wat u mean abt the workshops, but if ugonna get this emo when looking for the most competitive insurance coverage then u're just shooting yourself in the foot. for this part just make sure your insurance allows u to go back to your main distributor. this is very impt...
unfortunately insurance is a very impt element since it deals not just for the cars but for human lives... in case any harm is made and cmpensation is required to ensure smooth transitions.
Car insurance really a small component of owning a car. My annual insurance can't even pay for a month worth of installment for the car (when I still paying installment).
So, I don't know what MUCH more can it get..
By the way, drive responsibly always be on the lookout.. My insurance is almost always at 50% discount.. The last time I claim insurance was many many years ago.
Most insurance companies will give me a good deal but I steer clear of NTUC cos they sucks big time.. the last time when I insured with them, they have the cheek to ask me to send my car to their workshop for the windscreen damage.. their workshop not even familiar with my car.. In the end I went to my agent workshop and submit a full claim.. they LL also pay up.
Chole, this is normal practice. The premium is a lot higher when there are outstanding claims against you.
Powder, one do not need to provide details of the spouse if they do not intend to nominate him/her as the named driver. Just look for a policy that offer a relatively low / minimum excess for unnamed driver. I see this loophole in the current system.
sm, as defensive one could drive, sometimes, its unavoidable. Some months back, a passenger attempt to align from the right of sonata cab. Swung the right door suddenly straight into my car as I was moving off slowly. Borneo Motors didn't want to take my case as I was claiming against the passenger that is a foreigner. They fear the case could drag despite having written statement from the passenger admitting their fault. In the end, I had to get outside workshop to take up the case. I didn't probe further but I believe they are probably willing to take up the case at a good markup on the claims.
I think once your insurance policy has a claim by an unnamed driver, your renewal premium will be affected big time. So, make sure the unnamed driver who can in fact be the regular driver, does not claim.
doll, as long as you have a claim against your policy, the renewal premium will be affected big time. I disagree is shortsighted. Its abt weighing the odds. Offering a workaround doesn't mean it doesn't come with any risks or potential costs.
Currently, TS is trying to avoid incurring confirmed up-front higher premiums. There is no uncertainty at all, u pay higher 2-3 times for renewal. So, what's there to lose really?
Sure, I am talking in the context of changing car and policy owner of the auto insurance. If you are accident prone, better not be that unnamed driver if you are indeed the regular driver of the car being insured.
that's the consequences that she needs to take into consideration. There is a opportunity of savings but with probably risks too. Need to weigh both. Actually, my mum did that quite some yrs back.
I had an outstanding claim involving car under my bro's name. Since mum was the main user, she changed car and registered under her instead. I wasn't the main active user, so, in our case, the risk is relatively manageable.
Yes, which is why I also encourage to have reverse sensors or cameras. It is not to replace the care one needs to have when driving. But, there are blind spots and people that have little awareness of the risks and danger around them.
Installing these safety precautions can save a life in some incidents.
He did, he just start with 0 ncd same as any new driver. The claim isn't going to stick around forever. Just that the accident happened a month before renewal and the amt claimed by the other party was huge.
In the end, that cab driver lost the case as I had clear evidence in photos to prove he lied big time in his statement.
I don't have reverse sensors or camera. By the way, I observed that none of my colleagues who have the reverse camera actually look at it.
this is why I said it is not to replace the care that one should have in driving. Have u thought before, u could missed a short pillar or child behind your car. No matter how careful u r, there are blind spots. We can make mistakes. Its definitely good to have additional measures to warn us. But, the sensors should be calibrated correctly to warn us of the real danger and not become a constant irritating buzz when reversing.
I have lived without reverse sensors for all of my cars except one. No big deal. Sometimes with all these new technologies, you tend to be over-reliant on them and hence lose some of your daily driving habits as well.
wow.this thread move really fast. Notice that u guys uses lunch time to post. Did u skip lunches? I guess everyone has our own opinion & preferences. but it seems to me that most thread always end up debating each other.
So what you lived without reverse sensors for all your cars? no big deal.... until u get involved in accidents that could be prevented. I REPEAT... it is not to replace the always needed care and attention in driving.
oh ya. btw. powder, yup i m the person who enquires about changing car. As i not gan cheong to change and buying car is a major decision (at least to me), so i just renew my insurance first. since i think u guys advise me b4 that after buying n i change car can still refund...
on the reverse sensor, i'm not a big fan BUT it's a fact that it helps with things we can't see simply by turning our heads or looking in the rearview... sometimes we see nothing but there's the beeping... this will include low-poles, high-curbs, cats or dogs, toddler on a tricycle... i'm more concerned with Lives, animal or human. when there's no way to see.
so i think it's a must-have on that basis... not so much of how good we are. some things we just can't see.