Aviva insurance

[inlinesix]

Hi guys, sorry for hijacking this thread but I can't start any new posts as I'm a newbie and my situation is somewhat urgent.

 

My motor insurance and road tax expires in August. However, I'm having difficulties renewing my insurance policy as my vehicle was involved in an accident more than a year ago, and the claims have not been fully settled yet. The final amount could add up to $50k+, and that is enough to convince my current insurer AIG, as well as the major insurance companies I've contacted (NTUC, AXA, Aviva etc) not to insure me.

 

Problem is, my son was the one driving the vehicle at that time. Also, he is likely to be at fault in this accident. Is there any way to convince the insurers that he would not be allowed to drive the vehicle if they insure it, or is there an insurance company out there that is willing to cover me despite the vehicle's history of claims? I'll really appreciate it if anyone could offer any advice, or help me obtain quotes (if at all possible) for this vehicle. Thanks for reading.

Wif newcomer like Aviva & Directasia coming into our mkt, premium rates are falling across the board. However, industry claims still around 80% of premium. As u have a claim that big, there are only a few option left:

1. Hamburger suggestion

2. Put a clause which says that only name driver is cover

3. Put a clause which says that only name driver is cover + a celling on claims amount

4. Sell ur car & take MRT/Bus/Taxi

 

Good luck!!

[Asdfghjkl]

Now the landscape of motor insurance has changed.

Many insurers will not renew your policy if you unlucky and got a big accident.

You are stranded and can't get any insurance at all.

I think this is not very fair thing to do.

Some insurers are very famous for this and for me, I will try to avoid such insurers.

[Unfair]

Now the landscape of motor insurance has changed.

Many insurers will not renew your policy if you unlucky and got a big accident.

You are stranded and can't get any insurance at all.

I think this is not very fair thing to do.

Some insurers are very famous for this and for me, I will try to avoid such insurers.

 

Normally 1 big accident claim might stop some insurers from quoting you new policies.

There will always be someone who will take up your case no matter how, Just that your premium is really high.

 

But if you keep getting into accidents, like 3 in 1 yr, you will find it harder and harder to find a willing insurer.

[Tiikaa]

I got AVIVA car insurance and I totally not happy with them!!!

My truck was stolen on july 8 2010 and was found on july 26 2010

I got no service from Aviva. Yhey asking me to pay for everything:

For rental truck, for towing, deductable.

And they don't pay for car inspection and not gonna fix it.

Totally not satisfied and got lot's of stress

And now hired a lower. And we are going to fight with them!!!

[Phid]

Hi everyone, I'm new here and this is my first post. I need advice from bros here. I'll probably get my 2nd hand car tomorrow afternoon. Everything is settled except for insurance. I have a few questions and greatly appreciate bros can spend some time answering or advising me.

 

1. My dealer got some quotations for insurance which is quite high. up to 2.9K. Lowest I got from dealer is Chartis (ex AIG) 2.4K with $500 excess. I got about 2.1k - 2.2k from online quote for AVIVA. I read through this thread and mostly agree AVIVA has one of the lowest quotes. But how reliable is AVIVA?

 

2. Between Chartis (2.4K) and AVIVA (2.2K), which one would u choose? Would love to know why.

 

3. Is it possible to collect and drive home my 2nd hand ride without securing the insurance by the dealer? I might prefer settle my insurance on my own AFTER collecting the car. Not for very long but at most 1 day after collecting the car. Please advise.

 

More about me,

 

28yrs, 6 yrs clean licence, Mit Colt Plus 1.5A, indoor job, first motor insurance, first car under my name

 

I'm new and I plan to be active here in MCF seeking and contributing help whenever possible. Thanks upfront to all bros/sis who replies.

Edited November 30, 2010 by Phid

[Andromeda2000]

Hi everyone, I'm new here and this is my first post. I need advice from bros here. I'll probably get my 2nd hand car tomorrow afternoon. Everything is settled except for insurance. I have a few questions and greatly appreciate bros can spend some time answering or advising me.

 

1. My dealer got some quotations for insurance which is quite high. up to 2.9K. Lowest I got from dealer is Chartis (ex AIG) 2.4K with $500 excess. I got about 2.1k - 2.2k from online quote for AVIVA. I read through this thread and mostly agree AVIVA has one of the lowest quotes. But how reliable is AVIVA?

 

2. Between Chartis (2.4K) and AVIVA (2.2K), which one would u choose? Would love to know why.

 

3. Is it possible to collect and drive home my 2nd hand ride without securing the insurance by the dealer? I might prefer settle my insurance on my own AFTER collecting the car. Not for very long but at most 1 day after collecting the car. Please advise.

 

More about me,

 

28yrs, 6 yrs clean licence, Mit Colt Plus 1.5A, indoor job, first motor insurance, first car under my name

 

I'm new and I plan to be active here in MCF seeking and contributing help whenever possible. Thanks upfront to all bros/sis who replies.

 

Try directasia. Also online. Better to compare multiple insurance companies. Also, 3rd party insurance will be cheaper.

 

[Little_prince]

Hi everyone, I'm new here and this is my first post. I need advice from bros here. I'll probably get my 2nd hand car tomorrow afternoon. Everything is settled except for insurance. I have a few questions and greatly appreciate bros can spend some time answering or advising me.

 

1. My dealer got some quotations for insurance which is quite high. up to 2.9K. Lowest I got from dealer is Chartis (ex AIG) 2.4K with $500 excess. I got about 2.1k - 2.2k from online quote for AVIVA. I read through this thread and mostly agree AVIVA has one of the lowest quotes. But how reliable is AVIVA?

 

2. Between Chartis (2.4K) and AVIVA (2.2K), which one would u choose? Would love to know why.

 

3. Is it possible to collect and drive home my 2nd hand ride without securing the insurance by the dealer? I might prefer settle my insurance on my own AFTER collecting the car. Not for very long but at most 1 day after collecting the car. Please advise.

 

More about me,

 

28yrs, 6 yrs clean licence, Mit Colt Plus 1.5A, indoor job, first motor insurance, first car under my name

 

I'm new and I plan to be active here in MCF seeking and contributing help whenever possible. Thanks upfront to all bros/sis who replies.

 

1. driving without valid insurance is a offence.

 

2. will the dealer allow you NOT to buy insurance from them? usually they will add on other fee if you don't buy insurance. 500 etc

 

3. 200 buckdiff can be due to alot of things. compare the fine print. repair at authorised w/s or AD? act of god? theft? windscreen replacement annually? courtesy car policy etc?

[Phid]

Thanks for the adivise. My quotations for AVIVA and DirectAsia is about the same. But still lowest compared to the others. DirectAsia's policy is not bad, but need to read up on their fineprints. I'll check out AVIVA's policy and will decide between these 2.

 

Anyway it's no issue if you dun get involved in accidents right?

[Phid]

So it's now between AVIVA or DirectAsia for me. Just a matter of which provides better service/coverage. Any takes guys?

 

I heard 2nd car dealers won't allow you to take other insurance other than the ones listed by them. Is it true?

[Simchuan86]

Hi Phid,

 

I might be able to help you in the insurance. Give me a call at 97106143. I need more information from you so i can help you. It seem like they are quoting too high for you already. I can give you a quick quote.

Edited December 1, 2010 by Simchuan86

[Dafansu]

Can i check any towing service for Aviva if vehicle break down in Malaysia. cant find any infor on this

[Melvinyuen]

Just wondering how good is Aviva?

Its online, and its cheap!

Well if you did not op for paper copies to be send to you will have $25 discount some more!

Print it myself can save $25....

interesting!

Now all e-copies.

 

[Dafansu]

Just wondering how good is Aviva?

Its online, and its cheap!

Well if you did not op for paper copies to be send to you will have $25 discount some more!

Print it myself can save $25....

interesting!

Now all e-copies.

 

mine going to expire in Jan and looking for insurance now.

 

AXA quoted me about $1,014 with Excess $300 but they got $500 windscreen for me as I claimed windscreen twice within the past 2 years when i'm with them. Last year I only pay $700plus for my insurance.

 

AIG aka chartis quoted me $721 / $806(with NCD protector) excess of $800 (for any driver above 30s)

 

Aviva quoted me $597 excess 1k or $613 excess $750 (Windscreen excess $100, they dont have NCD protector) (for any driver above 30s)

Edited December 1, 2010 by Dafansu

[Melvinyuen]

mine going to expire in Jan and looking for insurance now.

 

AXA quoted me about $1,014 with Excess $300 but they got $500 windscreen for me as I claimed windscreen twice within the past 2 years when i'm with them. Last year I only pay $700plus for my insurance.

 

AIG aka chartis quoted me $721 / $806(with NCD protector) excess of $800 (for any driver above 30s)

 

Aviva quoted me $597 excess 1k or $613 excess $750 (Windscreen excess $100, they dont have NCD protector) (for any driver above 30s)

 

 

Hi

I got the same issue

My insurance is expiring end this month.

Aviva's quote to me now is the cheapest but the access i volunteered to put in another 250 and it drastically lowered the access!

wondered if i did the right thing?

others will give me access of 500 or 600 but this aviva its 500 but i volunteered another 250 so its 750 and its the cheapest i ever found below 900!

Others quoted me like 1.2k.

My NCD is 30+5% only

[Dafansu]

Hi

I got the same issue

My insurance is expiring end this month.

Aviva's quote to me now is the cheapest but the access i volunteered to put in another 250 and it drastically lowered the access!

wondered if i did the right thing?

others will give me access of 500 or 600 but this aviva its 500 but i volunteered another 250 so its 750 and its the cheapest i ever found below 900!

Others quoted me like 1.2k.

My NCD is 30+5% only

 

I lookrf through the coverages, it seems quite good. But they don't cover cars with modifications. This word is quite broad.

[Melvinyuen]

I lookrf through the coverages, it seems quite good. But they don't cover cars with modifications. This word is quite broad.

 

Hahah

I am safe then!

everything is factory fitted and no mod!

erm only changed tyres but same size but different brand only!

 

[SGCMmaomao]

Take chartis.. if tree fell onto ur car and u claim insurance... ur NCD will not be affected...

[Gt2929]

So it's now between AVIVA or DirectAsia for me. Just a matter of which provides better service/coverage. Any takes guys?

 

I heard 2nd car dealers won't allow you to take other insurance other than the ones listed by them. Is it true?

 

 

Not all 2nd hand dealer and PI are like that one, at least the one i encounter let me buy my own.