AXA Motor Insurance - Good or not?

[sbliew]

The driver bit under age. Just only based on their calculation , they only will paid max 6k for our repairing. Until today I not sure what kind calculation they use. Something like total market value of car minus ..

U r right. This is what they said .. but we can’t acceptable as the car is nothing crash. Only under car crash and water pump need to change. The engine is nice and all the things are fine.

 

From your increasing replies, it seems like the insurance company had already given you a lot more information than what you claim as no information given.

[Michellepon]

Just look at your policy schedule.

 

Young = under 25.

 

Regardless how the calculation is done, 7k is sticking around.

 

It means that you are not driving B&B car.

The driver is more than 25 years old. My car is Volkswagen. That is y they said the car value is expensive so send car to scarp is better than repair.

[Blueray]

let's try to get matters back on track here.

 

1. is the policy for single driver only or has named driver

2, is the driver a named driver and holding a valid driving licence

3. was there a commercial transaction between yourself and the driver with regards to the use of the car

[L23]

the policy I bought is under comprehensive and my car still have 4.5 years. The driver is not me and I agreed to paid excess cost but not repairing cost.

 

Today I go down the axa and still can’t get the answer.

 

The 1st at all , axa won’t give u hardcopy of policy and they will give u a link via email after u make the payment. That is the reason I never get my hardcopy or policy.

 

The 2nd thing i ask them about my policy whether cover all the repair cost and damage, then the staff just reply me that she not so sure as She can’t check my full policy even I pass them my policy number.

 

The 3rd question I ask them what is the status of my claim as I call and email ur company also no reply until now. The staff just Reply that the person in charge is not around and she just know my claim is in the progress.

 

The 4th question I ask them is I need the GIA report as the report is done their surveyor and AXA authorised workshop and I need to see the breakdown. The staff just reply that she will help me pass the message to claim department.

 

I told them I on leave today still can’t get anything?

 

The staff say u just wait the person give u a call later. But until now I still haven’t get any call.

 

 

Ah boy ah... You first time buy thing huh?

You mean as a consumer and pay master, you don't get to see what you paid for?

Come on...

Either you are too naive or beyond hope.

 

A piece of advice: You can DEMAND for the hardcopy.    

[Michellepon]

Ah boy ah... You first time buy thing huh?

You mean as a consumer and pay master, you don't get to see what you paid for?

Come on...

Either you are too naive or beyond hope.

 

A piece of advice: You can DEMAND for the hardcopy.

Ah Uncle .. u confirm u get the full policy before u paid money? They will just give u a minor information and ask u paid money. And we bought the second hand car usually the info is get from sales person. If someone need to hide “something” at front of u , u also can’t do anything.

I demand the hardcopy yesterday and the staff said no hardcopy is provided. So, what u think? U could stop people do not give u anything? Or make police report?

[Galantspeedz]

The driver bit under age. Just only based on their calculation , they only will paid max 6k for our repairing. Until today I not sure what kind calculation they use. Something like total market value of car minus ..

U r right. This is what they said .. but we can’t acceptable as the car is nothing crash. Only under car crash and water pump need to change. The engine is nice and all the things are fine.

 

you say car left 4yrs+ , so it is COE car?

[Michellepon]

you say car left 4yrs+ , so it is COE car?

Not coe car. This car is in year 2012. They no money to repair so ask us to scrap the car.

[Galantspeedz]

Ah Uncle .. u confirm u get the full policy before u paid money? They will just give u a minor information and ask u paid money. And we bought the second hand car usually the info is get from sales person. If someone need to hide “something” at front of u , u also can’t do anything.

I demand the hardcopy yesterday and the staff said no hardcopy is provided. So, what u think? U could stop people do not give u anything? Or make police report?

 

you can consider accepting the 6k and find your own tow truck to tow to your own workshop if you want, just make note to AXA that you should not be liable for any storage fees charged by the current authorised workshop, in between if you accepted a courtesy car, you should have to fork out money for it as rental

[Galantspeedz]

Not coe car. This car is in year 2012. They no money to repair so ask us to scrap the car.

What car?

[Michellepon]

What car?

 

Volkswagen Jetta

[L23]

Ah Uncle .. u confirm u get the full policy before u paid money? They will just give u a minor information and ask u paid money. And we bought the second hand car usually the info is get from sales person. If someone need to hide “something” at front of u , u also can’t do anything.

I demand the hardcopy yesterday and the staff said no hardcopy is provided. So, what u think? U could stop people do not give u anything? Or make police report?

 

I see you England, i wanna 

U mean u demand the hardcopy, the staff don't give and you just accepted it?

come... I clap for you...  

[Michellepon]

you can consider accepting the 6k and find your own tow truck to tow to your own workshop if you want, just make note to AXA that you should not be liable for any storage fees charged by the current authorised workshop, in between if you accepted a courtesy car, you should have to fork out money for it as rental

 

AXA will only paid the 6k if we choose the authorised workshop. Even we find own own workshop, they will not agreed to pay this repairing cost. 

[Michellepon]

I see you England, i wanna 

U mean u demand the hardcopy, the staff don't give and you just accepted it?

come... I clap for you...  

 

England? haha ~ If you think you are very smart, just advise ~

 

Do not always give this kind of useless comment ~ 

 

Please be reminded that no people would appreciate it if you provide this kind of comments. 

[Totak]

Your vehicle is

Beyond Economic Repair (BER)

Market Value - Paper Value = Estimated Repair Cost. (ERC)

All insurance companies local will use this methodology.

 

Buying comprehensive cover does not means they die die must repair your car back for you. If they deem, as BER, they have the right to total loss the car and pay you market value...... or you ask them "can you find a workshop do repair your vehicle within the ERC." and ins co pay them. 

 

 

 

 

 

 

 

 

 

 

[Galantspeedz]

AXA will only paid the 6k if we choose the authorised workshop. Even we find own own workshop, they will not agreed to pay this repairing cost. 

 

1st thing, you can try to go sgcarmart and print the current selling price of Jetta to prove that the value they deemed may be understated, if it is really low

 

2nd thing, the repair of $6k is quoted by their authorised workshop, so it is an amount they should pay even if you do not repair at their workshop because it is a zero sum game to them

 

if they not willing pay the $6k if you go outside, is it implying they are aware that the authorised workshop is overcharging them?

 

you just have to speak to the correct person on this and know what you are talking about

Your vehicle is

Beyond Economic Repair (BER)

Market Value - Paper Value = Estimated Repair Cost. (ERC)

 

All insurance companies local will use this methodology.

 

Buying comprehensive cover does not means they die die must repair your car back for you. If they deem, as BER, they have the right to total loss the car and pay you market value...... or you ask them "can you find a workshop do repair your vehicle within the ERC." and ins co pay them. 

 

yes.. so the fella has to prove that the market value that the insurer stated is too low... and the best way to do this is sgcarmart selling price

England? haha ~ If you think you are very smart, just advise ~

 

Do not always give this kind of useless comment ~ 

 

Please be reminded that no people would appreciate it if you provide this kind of comments. 

 

you are here for advise, those that you think are useless, you can choose to ignore, i believe there is an ignore button

Edited March 20, 2018 by Galantspeedz

[Michellepon]

Your vehicle is

Beyond Economic Repair (BER)

Market Value - Paper Value = Estimated Repair Cost. (ERC)

 

All insurance companies local will use this methodology.

 

Buying comprehensive cover does not means they die die must repair your car back for you. If they deem, as BER, they have the right to total loss the car and pay you market value...... or you ask them "can you find a workshop do repair your vehicle within the ERC." and ins co pay them. 

 

Thanks for share. I think this is what they mentioned.

 

I noted that when I highlighted this statement to others, actually not much person know about this.

 

My friend can claim all the repairing cost (more than $10k) when he crash others car. But of course he is not buy from AXA.

 

This is the question mark as the insurance he bought is under comprehensive category.

[CarsAndMe]

Thanks for share. I think this is what they mentioned.

 

I noted that when I highlighted this statement to others, actually not much person know about this.

 

My friend can claim all the repairing cost (more than $10k) when he crash others car. But of course he is not buy from AXA.

 

This is the question mark as the insurance he bought is under comprehensive category.

Cannot compare like that luh

Must see the current value, damage quantum, etc.

 

To be fair, my car was insured under AXA and they paid for my recent repair. >20k

Edited March 20, 2018 by CarsAndMe

[Michellepon]

Cannot compare like that luh

Must see the current value, damage quantum, etc.

 

To be fair, my car was insured under AXA and they paid for my recent repair. >20k

Oh really? Then what is the policy u bought? If same policy then I should entitled to claim full repairing cost. Do u mind to advise?