Aviva policyholder take note..

[macrosszero]

I'm afraid I would go against the public feeling of indignation. The Verna's owner had his own interpretation of "modification" and failed to clarify with Avivia what THEIR version of modification was, before declaring that his car was not modified. Contractually, because of the Verna owner's non-disclosure, the contract is null and void.

 

What people can however take away from this, however, is that if your car is not factory-standard, you should declare every single little thing it is not standard, and let AVIVA decide if they want to quote you. Maybe you should even declare that your car has non-factory standard Glade air fresheners, Hello Kitty tissue box, and 3M floor mats when fabric ones were standard.

[Zze121]

Insurer should access the car b4 they accept n insured them. Many ppl buy 2nd hand car how they noe its bone stock?? ask AD to access???

 

[Kangadrool]

I'm afraid I would go against the public feeling of indignation. The Verna's owner had his own interpretation of "modification" and failed to clarify with Avivia what THEIR version of modification was, before declaring that his car was not modified. Contractually, because of the Verna owner's non-disclosure, the contract is null and void.

 

What people can however take away from this, however, is that if your car is not factory-standard, you should declare every single little thing it is not standard, and let AVIVA decide if they want to quote you. Maybe you should even declare that your car has non-factory standard Glade air fresheners, Hello Kitty tissue box, and 3M floor mats when fabric ones were standard.

[laugh] I do agree (inferior/improper fitting) floormat does affect and is indeed a mod 'cos may interfere with the pedals operation.

 

[Mllcg]

[laugh] I do agree (inferior/improper fitting) floormat does affect and is indeed a mod 'cos may interfere with the pedals operation.

 

LoLs. then might as well say, tires must be the same brand, model and size that was originally fitted.

[Zze121]

Own damage LL, but if involve life and some more in MY then how? ask the modified car owner to bear all cost?

[Mllcg]

Own damage LL, but if involve life and some more in MY then how? ask the modified car owner to bear all cost?

 

this one also not owner caused.

[Iiiusion]

Wtf sports rim is considered modification???

[Haikel]

wlau my mazda 6 is insured by them :{ nw then i know why they cheaper by atleast 600d from the nearest quote,, nb!!!

[Zze121]

this one also not owner caused.

Sg n MY is difff, right can be wrong....

[Kangadrool]

zzz.

 

aviva's reply.

 

"As you have modified the car, the original manufactoring specs have been altered, thus affecting the car. The accident may be indirectly caused by your modifications."

 

It's just a nicer and polite way to decline/terminate the policy. They need not be more obvious and they do have a point; technically we can't really fault them.

[Mllcg]

It's just a nicer and polite way to decline/terminate the policy. They need not be more obvious and they do have a point; technically we can't really fault them.

 

lol.

 

lazy way out.

 

so assuming i change my brakes from stock to brembos, they can fault me?

 

when brembos are supposed to be better for braking?

 

flaw? or plain stupid

[Kangadrool]

LoLs. then might as well say, tires must be the same brand, model and size that was originally fitted.

 

To go to the extent of same brand and same model would be too extreme. Not too sure if they are really that bxxtxxxd.

 

But, if size/profile differs, then it's technically considered a mod.

[S0undwave]

I believe AVIVA quotation page states clearly all modifications including Lta approved mods are excluded. You have to click on a small icon, and a box will pop out with the above description. When in doubt, strongly suggest a email to AVIVA with the mods you have done, before paying for the premium. My car is fully stock, except, I changed the pair of bumper reflectors, to led brake lights of the same size for obvious safety reasons. I emailed AVIVA to seek clarifications, and was informed I would be covered in the event of an accident, however, they will only replace back the stock reflectors, which is alright. I'm still deciding though if I should insured with them...they have the cheapest quote though at 800. Will print out the email, and attached to policy document as proof, should I take up with them. For everyones info.

Edited May 28, 2011 by S0undwave

[ZaC71S]

What the f--k?! Heng im under NTUC. Never liked Aviva anyways. Reminded me of NS days where this crap ret Major Yap come and physcho the rec about the risk of not getting one and the recall scared like s--t went and sign up with that stupid maj. Anyways sorry to hear that the claimant cant claim and LLST or should i say LST. Anyways LST sucks big time. Can go fly kite.

Lol. I still rmbr major Yap. He was so convincing that almost everyone frm my COY signed up including myself. Those were the gd old army days. Wonder how's major Yap doing now....

[Ahhuat]

The company might as well pack up and close shop. Retrench all the employees. An insurance company that doesnt insure? WTF!

[Kb27]

The company might as well pack up and close shop. Retrench all the employees. An insurance company that doesnt insure? WTF!

They actually cut their risk.

 

When accident and involve claim against them, they go after you on technicalities like "modification" and refund your money leaving you without insurance coverage.

 

For those policy they sold that don't claim, they make easy money.

 

So it's a very good business strategy for them...but not for you.

 

[Sony]

erm... i wonder if we can write in to Aviva on our last week of insurance and do a full refund back citing that we didn't declare correctly and thus doesn't meet their criteria..

[Kb27]

erm... i wonder if we can write in to Aviva on our last week of insurance and do a full refund back citing that we didn't declare correctly and thus doesn't meet their criteria..

It won't happen.

Apparently, they hold the ace card.