Aviva policyholder take note..

[Pisces69]

How about Direct-Asia ??? Do they have strict policies similar to Aviva?

 

Im now with DA.

 

Ty r not as sticky as Aviva.

 

[Ben5266]

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.

Can we trust Agent, aka Salesman talk?

Just a scenario, I bought option 1, private use only.

Then on one Monday morning, 8:30am, bang... accident.

After came down to survey and record my statement, DA calls my office to ask:

- What is my working hour? HR replied 9am-6pm, Mon-Fri.

- Is Ben on leave today? HR replied no, according to their record.

Thanks.

Verdict, sorry, you drove your car to work and the policy you bought does not cover that. No claim.

Possible?

 

[Acemundo]

Im now with DA.

 

Ty r not as sticky as Aviva.

 

the declaration required by DA that brother ben pointed out - which one did you declare? if cannot drive to office then what for buy insurance cover for it, especially for desk bounded job pple?

[SlowSteadyEvony]

To All driver of non out of factory stock condition with Aviva......do take note...

 

Better change your insurance company as if any of u involve in any accident or claim for a windscreen they will simply wash hand & say yr items does not look stock to my eyes esp from their claim officer even it LTA complient ...

 

You dunt want to get in any event then u cant claim at all.... im sure there better insurance out there cover yr car will ease at mind...

 

If u think im joking then u take it lightly dun until things happen then u feel the pain...

 

So many of people here already share their bad taste issue with Aviva....

[Darryn]

Can we trust Agent, aka Salesman talk?

Just a scenario, I bought option 1, private use only.

Then on one Monday morning, 8:30am, bang... accident.

After came down to survey and record my statement, DA calls my office to ask:

- What is my working hour? HR replied 9am-6pm, Mon-Fri.

- Is Ben on leave today? HR replied no, according to their record.

Thanks.

Verdict, sorry, you drove your car to work and the policy you bought does not cover that. No claim.

Possible?

 

Nope - because the penalty is not denial of claim but rather you have to pay a higher excess.

 

BESIDES - the office should never confirm any private details to an outside party - which would include your hours of work.

 

[Darryn]

But first of all, from the first page of the actual policy...

 

important notice

We are required by law to tell you that before we provide cover, you must fully and faithfully tell us everything you know or could reasonably be expected to know that is relevant to our decision to give you the insurance, otherwise you may receive no benefit from your policy.

 

In Bold

 

[Darryn]

Here is the relevant section

 

If your car is involved in an accident and your car was at the time of the accident being used for a purpose other than the declared usage, you will be required to pay an additional excess of $1,500 for any type of claim.

 

 

[SlowSteadyEvony]

Let me try to provide some solace to people who are freaking out after hearing all the negative feedback. Below is the response that I got from Aviva after calling in on the issue of changing rims/tires on insurance coverage. I think such an agreement is reasonable.

 

 

Thank you for calling our Customer Service Hotline.

 

Regarding your enquiry earlier on, please take note that if :

 

the tyres are not semi-slick and

conform with the rim size and

only the rims and tyres are modified

 

the accident will be covered.

 

However, should there be any own damage claim, only the manufacturer's original rims and tyres will be replaced, according to the manufacturer's original specifications.

 

 

They will say can no prob..when things happen they play patent..

 

[Ben5266]

Nope - because the penalty is not denial of claim but rather you have to pay a higher excess.

 

BESIDES - the office should never confirm any private details to an outside party - which would include your hours of work.

Thanks. If it is only higher excess, then not too bad.

 

They call office is just an example la.. perhaps not a very good one. Maybe, after taking pictures of the car, they take a picture of me.

 

What about, if I bought option 2, that covers trip to office. Then, one day, accident happen at 9:20am.

Will they claim that, at 9:20am, I should be in the office. If I am still driving, I must be driving to meet customer. Add $1500.

... I some time wait till ERP to switch off at 9am and reach office at 9:10-9:15.

 

 

[Ben5266]

They will say can no prob..when things happen they play patent..

Not exclusively to Aviva but all INSURANCE company.

[SlowSteadyEvony]

Guess aviva patent is the worst compare then the rest...

[Darryn]

Thanks. If it is only higher excess, then not too bad.

 

They call office is just an example la.. perhaps not a very good one. Maybe, after taking pictures of the car, they take a picture of me.

 

What about, if I bought option 2, that covers trip to office. Then, one day, accident happen at 9:20am.

Will they claim that, at 9:20am, I should be in the office. If I am still driving, I must be driving to meet customer. Add $1500.

... I some time wait till ERP to switch off at 9am and reach office at 9:10-9:15.

 

I dunno - the other day I also drive home to have lunch - that one I wonder if covered under driving to and from office or if they would accuse me of breaking the rules?

 

I think is very situational - mostly sounds quite hard to enforce, but if people are honest, and unless its a really obvious infraction then can work ok.

 

[Aimnfire]

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 )

 

just to let members here know

if you have bodykits

it may void by certain insurance

[Aimnfire]

I did my insurance renewal insurance recently and did write in to them to enquire what do they mean by stock. Their reply as follows.

 

We have referred your case to our underwriter.

 

As long as your vehicle is not in stock condition, that means it is modified.

 

 

For this type of clauses I would rather avoid in case all the patterns come out.

 

insurance company are no angels

be it from motor, health, property etc etc

 

i read a few weeks back in the media regarding a traffic accident case

where the pedestrian sue for medical and future loss of income

now here's the best thing

the judge seems to refuse to settle for future loss of income

but rather let the injured have certain amount of money first

if really not enough, can ask for more in the future

BUT if the injured in the future can earn more or equal, he have no right to make another claim

 

this method can save insurance tons of money from payout

[Aimnfire]

Thank U brother Passion! I can drive from this midnight. I get my car reinsured by diretasia and effective date is 1st June 2011. I will lose 20% of my premium after getting refund from aviva as I just insured from 13 May, suey suey passed the 14 days money back guarantee. The premium for both company are about the same, mine is avante 20% NCD insured at 1.2k+

 

For bro who wish to sign up with most of the other insurance agent including the affordable Directasia, just have to declare whatever unlimited number of modifications you have done that is LTA compliance.

 

I declared,

1. 17 inch sports rim

2. after market air filter

3. keyless entry

4. strut bars

 

All these items actuall adds smoothly and stability to the cars. It does not gives me additional horse power torque neither reduce my 0-100km timing. I am very pissed off by Aviva's standard prodecure that voids all of the above. Cheap and lousy!!!!!!! By adding sufficient aftermarket modifications we actually become safer drivers. You think the jap and korean cars are safe enough by just giving the minimal standards? I am trying to be safe, but yet penalized. Blame myself for not taking the word "modification" seriously. But now I am safe again.

 

I have made at least 20 phone calls to all my friends who have cars to void Aviva. The reason is if they bought with Aviva, later if they want to upgrade rims or they want to have some retail therapy to decorate their cars, they are putting themselves in hot soup. If kena serious accident and we are reared by other cars and aviva just return us the premium, it would mean we have to scrap our cars if we do not have enough savings to repair on our own. That would mean no cars. Worst if we hit other cars, then we may be sued till bankrupt! Don't play play!!!!

 

i just copy what TS wrote to my facebook notes and spread it

what do you know.......quite a number copy my notes and forward it to their network

[Pisces69]

the declaration required by DA that brother ben pointed out - which one did you declare? if cannot drive to office then what for buy insurance cover for it, especially for desk bounded job pple?

 

 

aAiyah. If kenna on way to office, just say u were on way to pick GF for a bonking session when kenna accident. Office was later after the bonking session.

 

Ty can play with words, we also can play with words. How ty going to prove where u we going to. Up to u to tell them only.

 

Yr HR say u supposed to b working but u can still go pick up fren b4 going to work, so technically "u were not on the way to office when kenna accident".

[Pisces69]

insurance company are no angels

be it from motor, health, property etc etc

 

i read a few weeks back in the media regarding a traffic accident case

where the pedestrian sue for medical and future loss of income

now here's the best thing

the judge seems to refuse to settle for future loss of income

but rather let the injured have certain amount of money first

if really not enough, can ask for more in the future

BUT if the injured in the future can earn more or equal, he have no right to make another claim

 

this method can save insurance tons of money from payout

 

This measure maybe to prevent so many fraudulent claims by many pple nowadays.

 

I think its good cos it deters false medical claims which r also pushing up car ins premiums.

 

[Acemundo]

aAiyah. If kenna on way to office, just say u were on way to pick GF for a bonking session when kenna accident. Office was later after the bonking session.

 

Ty can play with words, we also can play with words. How ty going to prove where u we going to. Up to u to tell them only.

 

Yr HR say u supposed to b working but u can still go pick up fren b4 going to work, so technically "u were not on the way to office when kenna accident".

 

haha! frankly i think it is rather stupid for insurance to put such terms and conditions in their policy and wnat to enforcfe it.