Aviva policyholder take note..

[Stanchiam]

I have written an email to check with aviva about my policy.

Will see how they want to response to my email below

 

 

Hi,

 

I am writing this email as i am very concern after finding out about aviva harsh policy of voiding car insurance policy on the newspaper etc

I find that the car I bought has been installed with the following

 

1. voltage stabliser

1. solar film

3. enhanced spark plug cable

4. installation of removable GPS

5. installation of removable In-Car video recorder

6. brake enhancer

7. open pod (cold air intake system and enhancement)

8. decorative exhaust tip (for decorative purpose, cost $10)

9. oil catch tank

 

Will my insurance policy be consider void with the above installation?

To date since my policy, I have driven about 4500km

If you want to void my policy, please do inform me now so I can look for another insurance company instead of worrying about your harsh policy which I heard over friends and news.

 

Regards,

[Skyalps]

latest reply from Aviva. Think it must have been vetted and cleared by their lawyers so that they can use it as a standard reply.

 

Kindly note that Aviva will not allow modification to suspension. We will void the insurance policy if the vehicle's suspension is been modified.

 

 

[Skyalps]

I have written an email to check with aviva about my policy.

Will see how they want to response to my email below

 

 

Hi,

 

I am writing this email as i am very concern after finding out about aviva harsh policy of voiding car insurance policy on the newspaper etc

I find that the car I bought has been installed with the following

 

1. voltage stabliser

1. solar film

3. enhanced spark plug cable

4. installation of removable GPS

5. installation of removable In-Car video recorder

6. brake enhancer

7. open pod (cold air intake system and enhancement)

8. decorative exhaust tip (for decorative purpose, cost $10)

9. oil catch tank

 

Will my insurance policy be consider void with the above installation?

To date since my policy, I have driven about 4500km

If you want to void my policy, please do inform me now so I can look for another insurance company instead of worrying about your harsh policy which I heard over friends and news.

 

Regards,

 

Stanchiam, you got open pod means your insurance policy is VOID according to what Aviva told me. What is Aviva's reply to u?

 

[Stanchiam]

Stanchiam, you got open pod means your insurance policy is VOID according to what Aviva told me. What is Aviva's reply to u?

still waiting, i am a careful driver, drive below 80km and keep at least 1.5 car distance

if they want to void so be it, i am one of the policy holder that stufff money into their pocket, they dont want its their loss

[Stanchiam]

latest reply from Aviva. Think it must have been vetted and cleared by their lawyers so that they can use it as a standard reply.

 

Kindly note that Aviva will not allow modification to suspension. We will void the insurance policy if the vehicle's suspension is been modified.

 

• Aviva's definition of modification refers to changes to your car which are directly related to how it works as a car. This includes changes to engine performance, drive train, air intake systems, exhaust systems, transmission systems, or any changes to the handling characteristics of the car including suspension systems, strut towerbars, or bracing. In addition, changes to wheels, rims or tyres that are not within the manufacturers’ defined and acceptable specifications are not allowed under the terms of Aviva’s car insurance policies. This definition does not include routine maintenance where like for like compatible non manufacturer parts are used.

 

1. Change to sports rims and tires (will be covered with terms and conditions apply)

 

2. Change of suspension (NOT ACCEPTABLE)

 

3. Change of air filter (NOT ACCEPTABLE)

 

4. Change of gear knob (will be covered with terms and conditions apply)

 

install spring stifferner consider void? (or any changes to the handling characteristics of the car including suspension systems)

my case very jialat, nearly everything is void

 

"Change of air filter (NOT ACCEPTABLE) " this is crazy!!

Edited June 14, 2011 by Stanchiam

[Silver_blade]

I feel the problem with Aviva is what they see as modification but rather what exactly are the modification that they do not accept. If it has been stated very clearly, then I feel it is fair & transparent. It up to the consumers to decide if it is a good deal or on they will avoid.

[Cruise]

I am still seeking further clarification from Aviva re. sports rims, etc.

 

better to get all these down in B&W to cover myself... I spoke to DA customer svc staff and they said DA will cover the original parts which is what Aviva is saying now. Change of tack? More forummers should write/call Aviva to clarify and put more pressure on them...

 

Since they don't respect drivers at all, as if the cars that we bought are really a rent for 10 years by "Aviva car rental pte ltd" As if you rent a car, you will not mod it in anyway, not even a carpet nor wiper. Singapore will become a dull and dead city eventually. All the car workshop will close shop except Aviva's authorised ones. I want to own my car, not rent at, at least for 10 years! STOP pressuring them ,just switch to DirectAsia. Since they don' respect us, don't force them to take our business.

[Cruise]

Yes, add mods must be declared.

 

Also clarified the condition phrase, i am getting them to send me in writing. In short, they can only replace parts as per original specs. For example, your bigger rim got damaged but they said they will cover the std spec say 18 inch. If say mine is 20 inch and only one piece is damaged, they will decide on a case by case basis. Think they will replace one with bigger rim size to save cost and time having to replace all 4 to 18 inch. If all 4 are damaged, they will replace all 4 with std 18 inch, not all 4 with a bigger rim you have upgraded.

 

They don't have to decide case by case. If you damage one rim, you pay excess $500 for claiming them. Then they give you a 18 inch factory rims. How you going to sell it or use it or trade in, its up to you. But if you use it, your policy will be void cause you are not driving your car according to the manufacturer's recommendation, hence you will get back your full premium and so on and so on.....

[Elfenstar]

I feel the problem with Aviva is what they see as modification but rather what exactly are the modification that they do not accept. If it has been stated very clearly, then I feel it is fair & transparent. It up to the consumers to decide if it is a good deal or on they will avoid.

 

 

I can help with that. Sent emails up and down to clarify. The important bits I have quoted below:

 

> Aviva's definition of modification refers to changes to your car which are directly related to how it works as a car. This includes changes to engine performance, drive train, air intake systems, exhaust systems, transmission systems, or any changes to the handling characteristics of the car including suspension systems, strut towerbars, or bracing. In addition, changes to wheels, rims or tyres that are not within the manufacturers

[Stanchiam]

Got reply from alibaba, will be jumping ship.

 

 

Dear Mr Chiam,

 

Thank you for your below email enquires.

 

It is not Aviva's practice to insure modified vehicles; even those vehicles with approved LTA modifications.

 

As you have undertaken the following modifications to your vehicle (except for item 2, 4 & 5) ;

1. voltage stabliser

2. solar film (this is not the cause to void the policy)

3. enhanced spark plug cable

4. installation of removable GPS (this is not the cause to void the policy)

5. installation of removable In-Car video recorder (this is not the cause to void the policy)

6. brake enhancer

7. open pod (cold air intake system and enhancement)

8. decorative exhaust tip (for decorative purpose, cost $10)

9. oil catch tank

 

These are deemed by us as unacceptable. If you can return to us the COI for the insured car we will cancel your policy and provide you with a pro rata refund. Please note if you retain the COI and continue to presume your car is fully insured these facts may result in Aviva not dealing fully with your claim at that time.

 

Please complete and email the attached cancellation and declaration forms to [email protected].

[Skyalps]

Got reply from alibaba, will be jumping ship.

 

 

Dear Mr Chiam,

 

Thank you for your below email enquires.

 

It is not Aviva's practice to insure modified vehicles; even those vehicles with approved LTA modifications.

 

As you have undertaken the following modifications to your vehicle (except for item 2, 4 & 5) ;

1. voltage stabliser

2. solar film (this is not the cause to void the policy)

3. enhanced spark plug cable

4. installation of removable GPS (this is not the cause to void the policy)

5. installation of removable In-Car video recorder (this is not the cause to void the policy)

6. brake enhancer

7. open pod (cold air intake system and enhancement)

8. decorative exhaust tip (for decorative purpose, cost $10)

9. oil catch tank

 

These are deemed by us as unacceptable. If you can return to us the COI for the insured car we will cancel your policy and provide you with a pro rata refund. Please note if you retain the COI and continue to presume your car is fully insured these facts may result in Aviva not dealing fully with your claim at that time.

 

Please complete and email the attached cancellation and declaration forms to [email protected].

 

yeah, though I don't have any mods currently that would void the insurance , I think i better jump ship to get a peace of mind since their position is unclear and open to interpretation. Will be a big hassle if really have to file claims. Will confirm after i get my clarifications from DA...

[Osiris]

Da agent, understand forum rules. last warning

[Elfenstar]

Got reply from alibaba, will be jumping ship.

 

 

Dear Mr Chiam,

 

Thank you for your below email enquires.

 

It is not Aviva's practice to insure modified vehicles; even those vehicles with approved LTA modifications.

 

As you have undertaken the following modifications to your vehicle (except for item 2, 4 & 5) ;

1. voltage stabliser

2. solar film (this is not the cause to void the policy)

3. enhanced spark plug cable

4. installation of removable GPS (this is not the cause to void the policy)

5. installation of removable In-Car video recorder (this is not the cause to void the policy)

6. brake enhancer

7. open pod (cold air intake system and enhancement)

8. decorative exhaust tip (for decorative purpose, cost $10)

9. oil catch tank

 

These are deemed by us as unacceptable. If you can return to us the COI for the insured car we will cancel your policy and provide you with a pro rata refund. Please note if you retain the COI and continue to presume your car is fully insured these facts may result in Aviva not dealing fully with your claim at that time.

 

Please complete and email the attached cancellation and declaration forms to [email protected].

 

Then you LL my friend. Better switch to another company ASAP.

 

[Cruise]

Like I said, they don't respect us, we don't give them our money. Its free money anyway. Most of us hate accidents and will try our best to prevent it. Whats wrong with moding your car to customize it? We are not animals, we cannot eat grass everyday.

[Stanchiam]

Like I said, they don't respect us, we don't give them our money. Its free money anyway. Most of us hate accidents and will try our best to prevent it. Whats wrong with moding your car to customize it? We are not animals, we cannot eat grass everyday.

 

yap, will jump asap once i completed those forms, since they are not interested in business,

then i also don't want to donate money to alibaba and have a peace of mind

i check and find that da is best option for me, lower than alibaba some more

and their policy is fair and square

all my mods are LTA compliant

any bros here already jumped to da? saw on the website that refer friend can get $50, contact me to be your referral, we share?

 

Edited June 14, 2011 by Stanchiam

[Skyalps]

yap, will jump asap once i completed those forms, since they are not interested in business,

then i also don't want to donate money to alibaba and have a peace of mind

i check and find that da is best option for me, lower than alibaba some more

and their policy is fair and square

all my mods are LTA compliant

any bros here already jumped to da? saw on the website that refer friend can get $50, contact me to be your referral, we share?

 

http://imageshack.us/photo/my-images/853/s...0615073511.png/

 

stanchiam, thanks for pointing that out. think that should sort out my clarifications. will be jumping ship too.

 

[Mona-vie]

Heng, luckily I only insure with AXA. So far never claim at all but I will never touch Aviva, not even if they are cheaper. Free I also don't want.

[Kilatz]

Aviva are killing themselves...... wonder how they will damage control this PR nightmare.