Aviva policyholder take note..

[Savagetosh]

  On 7/11/2011 at 3:52 PM, Mllcg said:

your car evO?

 

u sure aviva insures evo 10?

 

Just asking

All my friends modding and wanna mod..but they all under AVIVA. Now tell them this, they scared.

[Cruise]

  On 7/13/2011 at 3:55 PM, Savagetosh said:

Just asking

All my friends modding and wanna mod..but they all under AVIVA. Now tell them this, they scared.

 

No accident everybody happy, your friend saved some money by paying lower premium. Got accident, nightmare starts! If your friend bang other people backside, and the driver decided to engage laywer to sue your friend, your friend may end up bankrupt. Let's say he bang MM and SM's car, both MM and SM injuried, surely PM will be angry, MM and SM will engage best laywer to sue your friend for reckless driving, your friend need to compensate MM and SM's medical bills, they surely go Gleneagles to do full body scan, bone scan, musscle scan and hospitialized 1 week for observation, stay in Class 1 ward, eat French Cuisine, listen to Italian Opera at the hospital. their S class merz also need complete overhaul. Your friend also need to compensate their loss in income due to MC while staying at hospital. PM will also sue your friend for losses to Singapore as MM and SM cannot contribute at this period of time. All adds up to 1 Billion USD. As your friend may not be able to pay this bill, lawyer can arrange for a 80 years installment. 90% of your friend's income will be deducted straight away every month to pay for the interest incured for 79 years and 11 months.

 

Thinking about this, those already mod lambo and ferrari cover under Aviva will become easy target. People can wait for a chance to pull handbrake for them to bang into. Pull handbrake no brake light, easier to misjudge. Then Aviva will void their insurance, then we engage lawyer to sue the jialad jialad, but we must make sure they have the ability to pay for compensation, don't oversue them until they bankrupt. Why did our govt give license to create such a loophole?

[Mllcg]

  On 7/13/2011 at 4:31 PM, Cruise said:

No accident everybody happy, your friend saved some money by paying lower premium. Got accident, nightmare starts! If your friend bang other people backside, and the driver decided to engage laywer to sue your friend, your friend may end up bankrupt. Let's say he bang MM and SM's car, both MM and SM injuried, surely PM will be angry, MM and SM will engage best laywer to sue your friend for reckless driving, your friend need to compensate MM and SM's medical bills, they surely go Gleneagles to do full body scan, bone scan, musscle scan and hospitialized 1 week for observation, stay in Class 1 ward, eat French Cuisine, listen to Italian Opera at the hospital. their S class merz also need complete overhaul. Your friend also need to compensate their loss in income due to MC while staying at hospital. PM will also sue your friend for losses to Singapore as MM and SM cannot contribute at this period of time. All adds up to 1 Billion USD. As your friend may not be able to pay this bill, lawyer can arrange for a 80 years installment. 90% of your friend's income will be deducted straight away every month to pay for the interest incured for 79 years and 11 months.

 

Thinking about this, those already mod lambo and ferrari cover under Aviva will become easy target. People can wait for a chance to pull handbrake for them to bang into. Pull handbrake no brake light, easier to misjudge. Then Aviva will void their insurance, then we engage lawyer to sue the jialad jialad, but we must make sure they have the ability to pay for compensation, don't oversue them until they bankrupt. Why did our govt give license to create such a loophole?

 

they bankrupt also lugi.

 

btw, how to get the court to do a bailiff's auction if they cant pay or choose not to pay for your accident? and TP/Police and judge rules in your favour.

 

or is it only they pay or declare bankrupt?

[Savagetosh]

  On 7/13/2011 at 4:31 PM, Cruise said:

No accident everybody happy, your friend saved some money by paying lower premium. Got accident, nightmare starts! If your friend bang other people backside, and the driver decided to engage laywer to sue your friend, your friend may end up bankrupt. Let's say he bang MM and SM's car, both MM and SM injuried, surely PM will be angry, MM and SM will engage best laywer to sue your friend for reckless driving, your friend need to compensate MM and SM's medical bills, they surely go Gleneagles to do full body scan, bone scan, musscle scan and hospitialized 1 week for observation, stay in Class 1 ward, eat French Cuisine, listen to Italian Opera at the hospital. their S class merz also need complete overhaul. Your friend also need to compensate their loss in income due to MC while staying at hospital. PM will also sue your friend for losses to Singapore as MM and SM cannot contribute at this period of time. All adds up to 1 Billion USD. As your friend may not be able to pay this bill, lawyer can arrange for a 80 years installment. 90% of your friend's income will be deducted straight away every month to pay for the interest incured for 79 years and 11 months.

 

Thinking about this, those already mod lambo and ferrari cover under Aviva will become easy target. People can wait for a chance to pull handbrake for them to bang into. Pull handbrake no brake light, easier to misjudge. Then Aviva will void their insurance, then we engage lawyer to sue the jialad jialad, but we must make sure they have the ability to pay for compensation, don't oversue them until they bankrupt. Why did our govt give license to create such a loophole?

 

LOL. Another alternative is to get other insurance, simple isn't it?

 

[Ryo]

New case about other insurance agency starting to do the same according the Thread Starter, in this case Chartis. Guys please spread the word around!!

 

 

http://www.rx8clubsingapore.com/viewtopic....f=23&t=7016

____________________________________________________

 

 

Hi guys, we all read abt the previous AVIVA case rejecting the claim from the Hyundai owner due to some "modifications" which we all know the term modification is being used loosely..

 

About a month ago my friend of mine got into an accident which resulted in heavy damage to his CTR. Damage includes Undercarriage and his C-Pillar. Initially his Insurer Chartis (previously known as AIG) offered to cover as Total Loss.

 

But yesterday he received a call saying that the Underwriter decided to throw out the claim because my friend change his Air Intake to aftermarket brand. So this is classified as Modification and they have the right to cancel the policy.

 

So those under Chartis, please ask your representative agent to re-clarify your coverage. So now change Air Box is also a problem. Careful my friends....

[Solar]

Craps... I'm with Chartis.. strut bars, upsize rims and exho...and can't remember other little ones...

[Picanto]

  On 8/14/2011 at 2:19 AM, Solar said:

Craps... I'm with Chartis.. strut bars, upsize rims and exho...and can't remember other little ones...

 

then better pray you will be accident free

[Picanto79]

I just change from Aviva to Ntuc insurance as I have a few mod which is LTA approve but Aviva also dun cover. For Ntuc, I told them I have these mod on my car and they said as long you declare to them and they will ask you how much you install on these mod and if is $0 - $1000 will have to add $20 into the policy and you will be cover for any accident claim.

Edited August 19, 2011 by Picanto79

[538]

My previous car was insured by Aviva, heng bo tai chi if not dunno how. But I think more car owners will change insurer once their policy expires, so end of the day who will be the one losing out?

[538]

My previous car was insured by Aviva, heng bo tai chi if not dunno how. But I think more car owners will change insurer once their policy expires, so end of the day who will be the one losing out?

[Woof]

Does changing your stock pedals (other than replacement, to sports or aluminium pedals) considered mod and will void insurance?

[Stanchiam]

  On 8/22/2011 at 2:32 AM, Woof said:

Does changing your stock pedals (other than replacement, to sports or aluminium pedals) considered mod and will void insurance?

as long no accident u are covered

once u have accident, u are under their mercy, they say cover then cover, they say no u have mod and dont pay u you also have to lanlan since they stated no mod, everything must be stock

just get ready a lump sum of money to pay to others or your own car if accident happen

full stop

u want to try your luck just go ahead (to casino)

Edited August 22, 2011 by Stanchiam

[Asdfghjkl]

The problem with buying direct is there is no agent to clarify things with you before you click the button. When it come to insurance, it is never the price. What is important is peace of mind. If you buy it from the agent and you have problem with the insurer, get the agent to sort it out for you. For insurance, i will never buy direct. You run the risk of taking the risk on your own.

[Majordan]

the most fundamental thing about buying insurance policy (car, life, health. property) is very simple - just declare everything and let them quote

 

if you try to hide something like you got diabetes but bluff them 100% good health of cos they can void your insurance.

 

I am going to write to Avivia to get black and white confirmation that rims, engine oil, LED lights, battery in my car is all OK with them before I click BUY

 

they are strict about claims which is why they can keep premiums low. Last time i was with HSBC they anyhow payout thats why premium is high.

 

also the key thing to void the insurance is modification that affects the PERFORMANCE of the car. solar film, brake lights, air freshener doesn not affect performance. Wrong rims and turbo engines do.

 

 

[Kangadrool]

Any feedback on China Taiping?

[Picanto]

  On 11/22/2011 at 3:06 AM, Asdfghjkl said:

The problem with buying direct is there is no agent to clarify things with you before you click the button. When it come to insurance, it is never the price. What is important is peace of mind. If you buy it from the agent and you have problem with the insurer, get the agent to sort it out for you. For insurance, i will never buy direct. You run the risk of taking the risk on your own.

 

not all agents have good aftersales service. buy direct better

[Kb27]

  On 11/22/2011 at 3:06 AM, Asdfghjkl said:

The problem with buying direct is there is no agent to clarify things with you before you click the button. When it come to insurance, it is never the price. What is important is peace of mind. If you buy it from the agent and you have problem with the insurer, get the agent to sort it out for you. For insurance, i will never buy direct. You run the risk of taking the risk on your own.

I've bought a 21-year insurance from agent to have him disappear the following year.

And nobody from that company was tasked to take over.

Yeap, I just keep paying premium for the next 21 year and am glad it's over.

 

As far as insurance is concerned, they are just out there to make your money.

 

Don't think too much about them "serving" you.

You'll be disappointed when you need them.

 

[Picanto]

  On 2/22/2012 at 6:49 AM, Kangadrool said:

Any feedback on China Taiping?

 

expensive compares to aviva?