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Aviva policyholder take note..

Kb27

By Kb27,
in General Car Discussion

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Wizzz_wizzz

Wizzz_wizzz

Neutral Newbie

Those ppl whose cars are "modded" but never made any claims so far, can call Aviva to refund in full? Becos if they won't honour any claims anyway. [:p]

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Dalenico

Dalenico

1st Gear

Those ppl whose cars are "modded" but never made any claims so far, can call Aviva to refund in full? Becos if they won't honour any claims anyway. [:p]

my "refund" is more than the rate that is published in the website

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Ben5266

Ben5266

Supercharged

Since many recommend directasia, I tried to get a quote.

But I have an issue.

What is the usage of my car?

1. Private use: You are only using your car in the course of your private life and for leisure. You are not using your car to go to your workplace or to any professional appointment. However, you might be using your car to send your children to school daily or any other daily routine which is not work related.

2. Private use and commuting to work: On top of the private usage, you are also using your car to go to and from your office. You might use your car during lunch time even to meet with business partner. However, you are not using your car to go to and from business appointment during your work/office hour.

3. Private and business use: On top of the private and commute usage, you are also using your car for and during the course of your work.

 

If I choose 3, I pay $100 more. If I choose 2, I can't drive to meet customers. If I lie... will they find out and null and void?

 

$100 question. [sly]

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Darkblue

Darkblue

1st Gear

Those ppl whose cars are "modded" but never made any claims so far, can call Aviva to refund in full? Becos if they won't honour any claims anyway. [:p]

 

Can try, since they are so keen in refunding premiums.

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PSP415

PSP415

Supersonic

If they nt keen to clean up their acts, soon coy can be known as :

 

A = Always

V = Void [rifle]

I = Insurance

V = Very

A = Actively

 

:D[:p]

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Brendon1980

Brendon1980

Neutral Newbie

Since many recommend directasia, I tried to get a quote.

But I have an issue.

What is the usage of my car?

1. Private use: You are only using your car in the course of your private life and for leisure. You are not using your car to go to your workplace or to any professional appointment. However, you might be using your car to send your children to school daily or any other daily routine which is not work related.

2. Private use and commuting to work: On top of the private usage, you are also using your car to go to and from your office. You might use your car during lunch time even to meet with business partner. However, you are not using your car to go to and from business appointment during your work/office hour.

3. Private and business use: On top of the private and commute usage, you are also using your car for and during the course of your work.

 

If I choose 3, I pay $100 more. If I choose 2, I can't drive to meet customers. If I lie... will they find out and null and void?

 

$100 question. [sly]

 

this is a good one.

I noticed that some agents also advise me previously to just stick to private use. its hard to prove anyway. the insurers will have to proof otherwise which is up to you to be honest or not. well since insurance is one dirty business i guess you got to play like one. to me the whole insurance policy thing is one big sham, but noone bothers to step in and clear things up. put it simply, accidents on the rise, they raise the premium, when no accident you still pay abeit lower. so what the heck is insurance anyway? also why is it so when insurance already punished the culprit who bang by having a higher premium next renewal, the rest of the population also must suffer?

who wants accident to happen anyway? and insurance coy keep on claiming that they are losing money yearly due to claims. no transparency at all.

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GemLeo

GemLeo

1st Gear

Since many recommend directasia, I tried to get a quote.

But I have an issue.

What is the usage of my car?

1. Private use: You are only using your car in the course of your private life and for leisure. You are not using your car to go to your workplace or to any professional appointment. However, you might be using your car to send your children to school daily or any other daily routine which is not work related.

2. Private use and commuting to work: On top of the private usage, you are also using your car to go to and from your office. You might use your car during lunch time even to meet with business partner. However, you are not using your car to go to and from business appointment during your work/office hour.

3. Private and business use: On top of the private and commute usage, you are also using your car for and during the course of your work.

 

If I choose 3, I pay $100 more. If I choose 2, I can't drive to meet customers. If I lie... will they find out and null and void?

 

$100 question. [sly]

 

I'm surprised to see such questions. I didnt get this type of questions when i renewed mine with AXA. My agent didnt ask too.

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Cruise

Cruise

1st Gear

Can try, since they are so keen in refunding premiums.

 

You cannot tell AVIVA that your car is modified when you buy the insurance online as they will NOT refund you a single as this is a case of cheating. Tell them you are going to mod soon. Please terminate ASAP so that I can change to bigger safer rims, increase stability by adding strut bars, buy the charcoal absorbant material to clean the air, knowing that charcoal may burn one day when I park my car under the sun.

 

We are the layman they are the professionals! They have challenged the system of peace in insurance claiming process and structure, we are just not used to it. So don't fight with the powerful, just work hard and take care of yourself. If you think you are smart, then offer help to other people. Knowledge is POWER!

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Cruise

Cruise

1st Gear

Very true.

 

So I foresee more and more and eventually att agent will void your claim even if you on on a rain/sun visor on your window frame or buy aftermarket carmats. All Ah Beng'srepair shop will close soon and att AD carmat will up price 200% or more.

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Kb27

Kb27

Supersonic
  • Author

Posting for someone else...

 

i am writing this on my true and personal account. I purchased an insurance with AVIVA last December. i did an online transaction. One of the questions asked was: Has your vehicle been modified from the manfacturer's standard specifications ? . I answered NO coz as far as i am concerned modification refers to engine enhancement.

 

Thus in May when a JB car kiss my rear, i made a 3rd party claim and Aviva came down to take pictures of my vehicle damage as their SOP. Few days later they said, they wanted to take a second round of pics prior to the accident. They did and instead of taking the pices of the damage, they took photos of my engine bay, tyres, interior.

 

i received a letter from them dated 5 May 2011, that my insurance has been void and will be refunded fully due to the following modification made.

 

1. Sports Rim

2. Strut Bar

3. Brake Vacuum Tube ( Monster Brake Capsule )

4.Voltage Stabilizer

5. Exhaust Tail Pipe ( which in fact was just the muffler TIP )

Picture was moved by tinypic. I've re-upload picture.

 

 

av-noclaim2.jpg

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JX83

JX83

3rd Gear

I mean if u know u are those hand itchy ones that are like me tend to change this and that y still wan to risk saving a couple of hundreds jus to get ur insurance void.. I rather spend a few hundreds more to have a piece of mind like if I change my sport rims, I change the filter, tinted the window films, blah blah blah at least I know I am still insured.. That's y avivaonline or directasia is not even in my list although I know they are cheap but what's the point..

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Pisces69

Pisces69

6th Gear

So I foresee more and more and eventually att agent will void your claim even if you on on a rain/sun visor on your window frame or buy aftermarket carmats. All Ah Beng'srepair shop will close soon and att AD carmat will up price 200% or more.

 

It depends cos when ty start to avoid paying claims, the word spreads n ty start to lose bzi.

 

Its only how much biz ty can afford to lose b4 ty have to start all over again to build up their good name or just get out of the biz.

 

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