Singapore Nissan Owners Group
Nissan Car Lounge - Almera, Juke, Latio, Qashqai, Sylphy, Teana Owners => Latio => Topic started by: josho on February 13, 2009, 11:55:40 AM
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As my car insurance going to end on April, wondering which insur you guys gotten?
Mine is 2nd hand Latio (3yrs), 7 yrs having license and 28 yrs old. Gotten Ntuc for $1700 last year and planning to look for car insurance now. Currently waiting for Maybank to send me the information via post. Aint sure how much of NCD I will get tho. :confused1:
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hello all
i am with EQ now...insurance due for renewal in Mar 09...
based on the latest quotation received for EQ, i was quoted $1258.
lady (under my wife's name)
32
upcomng NCD 20%
latio sedan 2 yrs old
driving experience 8yrs
never claim before
It appears to be abit too high...last yr's premium was only 900+. (excess 500).
anyone with lobang, pls pm me...
thanks
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Mine is from AIG for the TC purchase discount. My previous ride is through AXA via Automobile Assoc. If you are an AA member, get a quote for comparison. You should consider your needs since all plans are quite different - I go for cost minimization.
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Mine is AIG but just sign up with Aunty Lucy :devil2:
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Think i need to go ard asking for quotation liaoz..... :crying:
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When bought car last year, TCM throw in free insurance with AIG. Just received renewal notice from AIG. The premium $1000+, excess $500. Checked with NTUC, terms about the same, quoted me about $200 cheaper for $500 excess. If zero excess, premium exactly $1000 (still cheaper than AIG). Did not check with some lesser known insurance companies. Think some bros got even better deal with these lesser known insurance companies. But personally, prefer to deal with bigger and more well known key players.
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can anyone introduce me so good/reliable brokers?
thanks,...
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I have a friend working as insurance admin at huayang, she will be able to help you quote from major insurance companies, pm me with the following info if interested.
I'm 25M with 10% NCD, paying $1.9k with NTUC comprehensive, $500 excess.
Registration No :
Current NCD :
NCD Upon Renewal :
Previous insurer : AIG
Previous Premium Paid:
Excess Amount : S$500
Vehicle Make : Nissan
Vehicle Model :
Body Type : Saloon
Automatic Gear : Yes
Seating Capacity : 5
Engine Capacity : 1498 cc
Year Of Manufacture :
Original Year Of Registration :
Period Of Insurance :
Finance Company (If Any) :
Cover Required : Comprehensive
Vehicle Usage : Carriage of goods/passengers not for hire or reward
Parallel-Imported Vehicle : No
Include Named Driver : None
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I have a friend working as insurance admin at huayang, she will be able to help you quote from major insurance companies, pm me with the following info if interested.
I'm 25M with 10% NCD, paying $1.9k with NTUC comprehensive, $500 excess.
Registration No :
Current NCD :
NCD Upon Renewal :
Previous insurer : AIG
Previous Premium Paid:
Excess Amount : S$500
Vehicle Make : Nissan
Vehicle Model :
Body Type : Saloon
Automatic Gear : Yes
Seating Capacity : 5
Engine Capacity : 1498 cc
Year Of Manufacture :
Original Year Of Registration :
Period Of Insurance :
Finance Company (If Any) :
Cover Required : Comprehensive
Vehicle Usage : Carriage of goods/passengers not for hire or reward
Parallel-Imported Vehicle : No
Include Named Driver : None
Why not put your dad name to enjoy lower prem ? 1.9K is too exp.
AIG can also cover unnamed drivers under all age conditions
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Usually after a year of driving on my current car, how many % of NCD will I get?
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Usually after a year of driving on my current car, how many % of NCD will I get?
shd be 10%. up to max of 50% for 5 yrs
if u have 30% , additional 5% given for the COM.
need to go ecitizen and print out the driver record and submit together with the proposal
cheers
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Usually after a year of driving on my current car, how many % of NCD will I get?
If nothing happen, 10% every year.
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shd be 10%. up to max of 50% for 5 yrs
if u have 30% , additional 5% given for the COM.
need to go ecitizen and print out the driver record and submit together with the proposal
cheers
some company don't give discount for COM.
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Why not put your dad name to enjoy lower prem ? 1.9K is too exp.
AIG can also cover unnamed drivers under all age conditions
Put his dad's name may enjoy lower premium. But, touch wood, if kena, the excess is much more due to the high risk group.
Somehow, people must start somewhere to start accumulating his/her own NCB. Otherwise, can never own a car under own name. If dad is not that young, will reach a stage where still have to pay high excess for high risk group.
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Put his dad's name may enjoy lower premium. But, touch wood, if kena, the excess is much more due to the high risk group.
Somehow, people must start somewhere to start accumulating his/her own NCB. Otherwise, can never own a car under own name. If dad is not that young, will reach a stage where still have to pay high excess for high risk group.
Yup I need to start somewhere and I like to be independent.
Just to add regarding the quotations, need your DOB, driving licence issue date and occupation to quote. Sorry to bros who pm earlier I had to make you write extra.
I heard insurance premiums are gg up again this yr. :(
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btw, anyone know if there's any car insurance premiuem in which i can pay by credit cards to earn rewards points?
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Go to www.dbs.com.sg to ask for the Driveshield quote. Now got free $80 petrol vouchers. I just renewed my premium, about $300 less than NTUC. Can pay by installment if got DBS credit card.
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Go to www.dbs.com.sg to ask for the Driveshield quote. Now got free $80 petrol vouchers. I just renewed my premium, about $300 less than NTUC. Can pay by installment if got DBS credit card.
have you gone through the terms and conditions? is it good?
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It seems insurance going up every year now, for the past 2 year me with Liberty, 1st yr was $900+, 2nd after more NCD its $900++.
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Go to www.dbs.com.sg to ask for the Driveshield quote. Now got free $80 petrol vouchers. I just renewed my premium, about $300 less than NTUC. Can pay by installment if got DBS credit card.
I got quoted for $1400 after 10% NCD from DriveShield. The $80 free voucher may be good but Im hoping for cheaper insurance. The excess is $500 tho. Prefer to pay in full if possible tho. Siong man :crying:
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btw, anyone know if there's any car insurance premiuem in which i can pay by credit cards to earn rewards points?
AIG or Driveshield. can pay 6/12 mths 0% installments. also earn reward points too
cheers
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I got quoted for $1400 after 10% NCD from DriveShield. The $80 free voucher may be good but Im hoping for cheaper insurance. The excess is $500 tho. Prefer to pay in full if possible tho. Siong man :crying:
I was quoted $1550 with 20% NCD by NTUC. That's why I go and find cheaper alternatives. All the quotes for my agent are around $1450 to $1700. Driveshield quoted me the cheapest, at $1215, so I go for it.
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Standard term and conditions with $500 excess.
One thing to note is the website specified you can go to any workshop to repair your car, but I can't find this clause in the policy. So I suggest you call and check with them first especially your car under warranty.
have you gone through the terms and conditions? is it good?
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Still waiting for Maybank to mail me the insurance tho... seem like it went lost tho... I shall ask from AIG since my aunt working in AIA. I shall go for Driveshield if others are damn expensive.
Since DS allow car to go to any workshop, that's one more plus point already.
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Still waiting for Maybank to mail me the insurance tho... seem like it went lost tho... I shall ask from AIG since my aunt working in AIA. I shall go for Driveshield if others are damn expensive.
Since DS allow car to go to any workshop, that's one more plus point already.
I read something from MSIG(DriveShield) like any workshop but limit to $350 "Authorized Repair Limit". Also, DS's windscreen cover ALL glass including sun roof but NTUC only front Windscreen iirc. Other thing is "No Offence Discount", no too sure what it is.
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What I understand from the policy is the Insured can authorize the repair without the company approval if the repair amount is less than "Authorizes Repair Limit". I maybe wrong ;D
Those who want to get from DS better check first whether can repair at Tan Chong. As for me, already onboard the ship.
I read something from MSIG(DriveShield) like any workshop but limit to $350 "Authorized Repair Limit". Also, DS's windscreen cover ALL glass including sun roof but NTUC only front Windscreen iirc. Other thing is "No Offence Discount", no too sure what it is.
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Hi all,
Mine is from Royal & SunAlliance (Marsh AutoSecure Plus) ... quote as below;
Age: 36
NCD: 50% , Latio premium
Premium : S$ 540.26 (inclusive of GST)
Excess : S$ 350 (waived if repair is carried out at Insurer's Workshops)
Conditions: Restricted to driver's age 30 or above and min 2 yrs driving experience.
Contact:
Oliver Ong
InsureMyCar
Accord Insurance Enterprise
Mobile: (65) 9323 9933
Email : oliver.ong@InsureMyCar.com.sg
tks & nice wkend !!
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Hi
Just chip in as well,
Mine from RSA (same as Pest11)
Premium is $600+ with 50%ncd
Can go back TC in event of accident
Think it's one of the cheapest in mkt, but good anot dunno cos keeping my fingers crossed, not yet claim
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I on NTUC till march, $770 last year with 50%NCD. Changed one windscreen only and they asked for $1020 for renewer. Bye bye to NTUC loh. Drivesheild quoted me $749 but come with $500 excess.
How's RSA service?
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I on NTUC till march, $770 last year with 50%NCD. Changed one windscreen only and they asked for $1020 for renewer. Bye bye to NTUC loh. Drivesheild quoted me $749 but come with $500 excess.
How's RSA service?
you means NTUC policy don;t have free windscreen cover ?
cheers
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yes there have free windscreen at their appointed workshop..... but may increase the renewer premium to "recover" the cost like my case.
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My renewal is up in Mar09. Quoted $990 from Tenet Insurance with 20% NCD. Waiting for others quote b4 deciding.
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RSA service ?? u mean response ??
shud be good ba, Oliver is a nice guy though ....... got mine done within 3days, policy reached me 1wk later .....
No harm asking him for a quote, more reference for u to choose from :thumbsup:
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i am with msig.. abt $1500++ (10% ncd).. got free $80 cashcard
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Forgotten to ask that if which Party do your buy with? Third Party Only or with Theft and Fire?
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Seems like insurance under DBS is cheaper than NTUC!
I am renewing mine next month & NTUC is quoting me higher premium (increased S$160 approx).
Thats after all the 50% NCD plus 5% direct discount PLus 5% loyalty discount!
But one point i need to stress, is I have ZERO Excess & on wind screen also. (nobody mentioned this so far). Workshop repair by authorised NTUC workshops.
Now my quoted premium is S$820.64. Will checkout DBS side
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Mine is from MSIG from Standard Chartered... quote as below;
Age: 35
NCD: 30% , Latio AT
Premium : S$ 990 (inclusive of GST)
Excess : S$ 300 (can use any workshop)
Free: 80 cash card.
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Hi,
My insurance is expiring in the next few months. As I am a newbie, grateful if anyone out there can share his/her opinion.
I intend to fully redeem my loan before I renew my insurance for the 1-year old car.
Based on the above, can anyone like to share whether I should take up comprehensive or third party (plus fire + theft) coverage considering it is a 1 year old car?
I always come across pple saying no pt to have comprehensive insurance coverage once there is no outstanding loan. - Is that correct? Why is that so?
Thanks first.
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Hi,
My insurance is expiring in the next few months. As I am a newbie, grateful if anyone out there can share his/her opinion.
I intend to fully redeem my loan before I renew my insurance for the 1-year old car.
Based on the above, can anyone like to share whether I should take up comprehensive or third party (plus fire + theft) coverage considering it is a 1 year old car?
I always come across pple saying no pt to have comprehensive insurance coverage once there is no outstanding loan. - Is that correct? Why is that so?
Thanks first.
Hi,
My opinion is that if you are going to redeem your loan fully, taking up 3rd party coverage is enough. I recommend taking 3rd party (pure) and not the 3rd party(plus fire and theft). Due to the price difference, if you want to take 3rd party(plus fire and theft), you might as well go for the comprehensive coverage. As Singapore is quite safe (personal opinion again, haha), the chances of your car getting stolen or catching fire is rare, unless you sibei suay. ;D
Why pple will say no pt to have comprehensive insurance coverage once there is no outstanding loan is because it can save you alot of money. You are forced to take comprehensive insurance coverage (which is expensive) in the first place as the bank which loan you the money to buy car is afraid that you got no money to repair car if you kana accident. If you are taking 3rd party coverage and you suay suay kana accident, your "victim" can claim your insurance and although your own car is not under coverage, if you got lobang you can just send the car to your friendly workshop and get it repaired (probably turn out to be cheaper instead).
For me, my car is 3+ years. Bought it 2nd hand and didnt take up any loan. Registered it under my mum's name so that my insurance damage is not that high. Insured by AXA under 3rd party (pure) coverage with 0% NCD, the damage comes up to $660+ for 1 year.
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Mine is from MSIG from Standard Chartered... quote as below;
Age: 35
NCD: 30% , Latio AT
Premium : S$ 990 (inclusive of GST)
Excess : S$ 300 (can use any workshop)
Free: 80 cash card.
Mine is from MSIG from Standard Chartered... quote as below;
Age: 30
NCD: 10% , Latio AT
Premium : S$ 1296 (inclusive of GST)
Excess : S$ 300 (can use any workshop)
Free: $80 limited addition Cashcard.
You can either get MSIG from DBS or Standard Chartered. The terms are different. If need help, can PM me. I would be glad to assist.
Btw, I am neither working for SCB nor MSIG. heheh
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I think Standard Chartered better, $300 excess only. Mine from DBS, excess is $500 and dont have station discount when using their $80 Esso voucher. cash card better.
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Seems like insurance under DBS is cheaper than NTUC!
I am renewing mine next month & NTUC is quoting me higher premium (increased S$160 approx).
Thats after all the 50% NCD plus 5% direct discount PLus 5% loyalty discount!
But one point i need to stress, is I have ZERO Excess & on wind screen also. (nobody mentioned this so far). Workshop repair by authorised NTUC workshops.
Now my quoted premium is S$820.64. Will checkout DBS side
Just received my renewal quote from NTUC oso, quoted at $600++, altho still has my 50%NCD and 5% loyalty disc. This yr increased fr my last 3 yrs (all $500++ with 50% NCD and 5% loyalty). Wondering wat is the use of 50% NCD +5% if I am paying all the while the same (=$500++), and now this yr increased to $600++. The only reason i can guess is becos i hv claimed a windscreen last yr (same as Ying)..
Will check on DBS oso, c how much they ll quote me..