Cboonh 2nd Gear July 30, 2015 Share July 30, 2015 (edited) not sure anyone responded to your query. "excess" mean when you do a own claim, you need to fork out say, $1.4k before any repair can be made. if your repair amount to 10k, you need to fork out 1.4k and the rest the insurance will take care of it. We If your repair cost like bumper scratch is 500, it make no sense to self claim and further more, 30% of NCD will be written off once you claim it. Thanks for responding! Exactly. So basically the higher your excess,the higher your liability in the event of an accident caused by oneself. My understanding is that some of us adjust the excess amount to our own comfort level. Usually when excess goes up, premium comes down, vice versa. I'm asking how come given such a high excess value, the premium is still so high. Not sure if the excess quoted (not premium) given my the SE is salah. So I wanted to find out from the bros here who booked if the excess quoted by the in-house AIG insurance is similar.. Edited July 30, 2015 by Cboonh ↡ Advertisement Link to post Share on other sites More sharing options...
Hamburger Hypersonic July 30, 2015 Share July 30, 2015 Thanks for responding! Exactly. So basically the higher your excess,the higher your liability in the event of an accident caused by oneself. My understanding is that some of us adjust the excess amount to our own comfort level. Usually when excess goes up, premium comes down, vice versa. I'm asking how come given such a high excess value, the premium is still so high. Not sure if the excess quoted (not premium) given my the SE is salah. So I wanted to find out from the bros here who booked if the excess quoted by the in-house AIG insurance is similar.. highlighted in red is not relevant. high excess is related to premium. There are people that gamble on lower premium but with high excess. 1 Link to post Share on other sites More sharing options...
DomiNome Clutched July 30, 2015 Share July 30, 2015 List of Forester Owners 1) Whitemondeo/ Satin White Pearl/ 2014 - XT 2) cboonh/ Satin White Pearl/ XT (still waiting for ride) 3) Kingfisher/Dark Metallic Grey/Premium (collecting in early Aug) 4) Laurence Lau/Ice Silver Metalic/XT (going for 2nd bidding 5th Aug) 5) Dtsw/Bronze/2015 XT 6) DomiNome / Satin White Pearl / XT (going 1st bid 5th Aug) Link to post Share on other sites More sharing options...
Cboonh 2nd Gear July 30, 2015 Share July 30, 2015 highlighted in red is not relevant. high excess is related to premium. There are people that gamble on lower premium but with high excess. What i mean by liability is the excess we have to pay in the event of self-claim. Anyway, i understand what you are trying to say, let's not debate on the technicalities. Back on the excess. So high excess rightly leads to lower insurance yearly premium. For my case, it feels like a double whammy leh, high premium and high excess. Link to post Share on other sites More sharing options...
Quantum 5th Gear July 30, 2015 Share July 30, 2015 Thanks for responding! Exactly. So basically the higher your excess,the higher your liability in the event of an accident caused by oneself. My understanding is that some of us adjust the excess amount to our own comfort level. Usually when excess goes up, premium comes down, vice versa. I'm asking how come given such a high excess value, the premium is still so high. Not sure if the excess quoted (not premium) given my the SE is salah. So I wanted to find out from the bros here who booked if the excess quoted by the in-house AIG insurance is similar.. Yes, my case same as you, premium 1.4k, excess also 1.4k from AIG, next year I switched to other company, Link to post Share on other sites More sharing options...
Cboonh 2nd Gear July 30, 2015 Share July 30, 2015 Yes, my case same as you, premium 1.4k, excess also 1.4k from AIG, next year I switched to other company, Ah okay, thanks for confirming! If I do not want to take up the inhouse AIG insurance, understand that there's a $300 increase in car price. I may be exploring that option. look see look see... Link to post Share on other sites More sharing options...
cacho Neutral Newbie July 30, 2015 Share July 30, 2015 Hi All, Glad to see many FXT owner here. I am just about to shoot for FXT last Tuesday but was hold back to monitor the COE. Current car left 20 months. Saw most of you chose white color which I am still in dilemma btw black white or even silver, quite limited choices though.... Link to post Share on other sites More sharing options...
Tohto Hypersonic July 30, 2015 Share July 30, 2015 Hi All, Glad to see many FXT owner here. I am just about to shoot for FXT last Tuesday but was hold back to monitor the COE. Current car left 20 months. Saw most of you chose white color which I am still in dilemma btw black white or even silver, quite limited choices though.... During my test drive, saw the pearl white in Leng Kee showroom was very nice. Link to post Share on other sites More sharing options...
Wrxykh Neutral Newbie July 30, 2015 Share July 30, 2015 Did you guys buy with guarantee or non-guarantee COE? What is your reason? I'm in dilemma on which to choose...the difference is $2k. Link to post Share on other sites More sharing options...
Micb 5th Gear July 30, 2015 Share July 30, 2015 During my test drive, saw the pearl white in Leng Kee showroom was very nice. The pearl white is a beauty ! However, it needs tender loving care, must be cleaned regularly, else it is an outstanding color ! 1 Link to post Share on other sites More sharing options...
Pocus Turbocharged July 30, 2015 Share July 30, 2015 (edited) Pardon me but I include those who mentioned they are owners/would-be owners from this thread in the list. List of Forester Owners 1) Whitemondeo/ Satin White Pearl/ 2014 - XT 2) cboonh/ Satin White Pearl/ XT (still waiting for ride) 3) Kingfisher/Dark Metallic Grey/Premium (collecting in early Aug) 4) Laurence Lau/Ice Silver Metalic/XT (going for 2nd bidding 5th Aug) 5) Dtsw/Bronze/2015 XT 6) DomiNome / Satin White Pearl / XT (going 1st bid 5th Aug) 7) Quantum / ??? / XT 8) Airtrek_newbie /??? / Premium 9) db597 / ??? / XT 10) nckeong / ??? /XT 11) etoh77 / ??? / Premium 12 ) Aideyin / ??? / Premium 13) engineoperator / ??? / XT 14) ctleo / ??? / XT 15) Frakymjaykay / ??? / XT 16) subarudreamer / ??? / XT 17) Pocus / Silver / XT Edited July 30, 2015 by Pocus Link to post Share on other sites More sharing options...
cacho Neutral Newbie July 30, 2015 Share July 30, 2015 During my test drive, saw the pearl white in Leng Kee showroom was very nice. So are you choosing white? The pearl white is a beauty ! However, it needs tender loving care, must be cleaned regularly, else it is an outstanding color ! Even though I have not make up my mind which color, In my opinion white is easier to take care as not obvious for scratches. Dust can be seen on black too. The only color I feel striking is white the rest too dull compare to the color other brand has to offer...too bad... So are you choosing white? Even though I have not make up my mind which color, In my opinion white is easier to take care as not obvious for scratches. Dust can be seen on black too. The only color I feel striking is white the rest too dull compare to the color other brand has to offer...too bad... Ops, no offense to the rest... Link to post Share on other sites More sharing options...
Pocus Turbocharged July 30, 2015 Share July 30, 2015 Sharing some links found online for the forester. For folks who can't wait to get their drive (like me!), or to keep a copy for future reference. :) Owner's Manual 2016 Forester (note that this is for the canadian/us LHD models, there's other Subaru models too, their 2016 model should be MY15 models) http://m.subaru.ca/WebPage.aspx?WebSiteID=282&WebPageID=16400 2015 Forester eBrochure http://www.subaru-global.com/ebrochure/Forester/15my/KE/ Just take note not everything may be relevant to our rides. For instance, I was told we do not have passenger seatbelt detention. We also do not have childseat detection for front passenger seat so that it will disable the airbag. Bummer for me. I always want to put my childseat in front. Link to post Share on other sites More sharing options...
DomiNome Clutched July 30, 2015 Share July 30, 2015 (edited) Chose white as it's the one that caught me and my wife's attention when we entered the showroom. Near my office, there's dark grey, black, red and blue (all foresters) but no whites! Other reasons: CO insisted on this colour though i'm the one that does the cleaning and maintenance White is slightly cooler in the sun Good visibility to other road users in the dark Not a "loud" colour Current ride is black, want a change It looks good on forester, even better with a little cosmetic upgrade BUT It turns yellowish over time Its hard to bring out the colour's depth even with very good detailing(waxing/polishing) when compared to a black/dark car Common on the road Edited July 30, 2015 by DomiNome Link to post Share on other sites More sharing options...
DomiNome Clutched July 30, 2015 Share July 30, 2015 Sharing some links found online for the forester. For folks who can't wait to get their drive (like me!), or to keep a copy for future reference. :) Owner's Manual 2016 Forester (note that this is for the canadian/us LHD models, there's other Subaru models too, their 2016 model should be MY15 models) http://m.subaru.ca/WebPage.aspx?WebSiteID=282&WebPageID=16400 2015 Forester eBrochure http://www.subaru-global.com/ebrochure/Forester/15my/KE/ Thanks for this! A bit too late for me, digested the US 2013 version for knowledge ... Link to post Share on other sites More sharing options...
cacho Neutral Newbie July 31, 2015 Share July 31, 2015 Chose white as it's the one that caught me and my wife's attention when we entered the showroom. Near my office, there's dark grey, black, red and blue (all foresters) but no whites! Other reasons: CO insisted on this colour though i'm the one that does the cleaning and maintenance White is slightly cooler in the sun Good visibility to other road users in the dark Not a "loud" colour Current ride is black, want a change It looks good on forester, even better with a little cosmetic upgrade BUT It turns yellowish over time Its hard to bring out the colour's depth even with very good detailing(waxing/polishing) when compared to a black/dark car Common on the road Agree with you, good and bad... Wondering what kind of mod can be done on the exterial without too Beng... Link to post Share on other sites More sharing options...
Tohto Hypersonic July 31, 2015 Share July 31, 2015 So are you choosing white? Even though I have not make up my mind which color, In my opinion white is easier to take care as not obvious for scratches. Dust can be seen on black too. The only color I feel striking is white the rest too dull compare to the color other brand has to offer...too bad... Ops, no offense to the rest... I have not book yet. Current car COE left about 11mth, still got time to wait a while... Link to post Share on other sites More sharing options...
Whitemondeo 1st Gear July 31, 2015 Share July 31, 2015 Chose white as it's the one that caught me and my wife's attention when we entered the showroom. Near my office, there's dark grey, black, red and blue (all foresters) but no whites! Other reasons: CO insisted on this colour though i'm the one that does the cleaning and maintenance White is slightly cooler in the sun Good visibility to other road users in the dark Not a "loud" colour Current ride is black, want a change It looks good on forester, even better with a little cosmetic upgrade BUT It turns yellowish over time Its hard to bring out the colour's depth even with very good detailing(waxing/polishing) when compared to a black/dark car Common on the road Don't worry it turning yellowish over time. My first white car (Mondeo) in 2003 lasted 5 years without turning yellowish. However, many commented my Euro R look yellowish within the first year of ownership. ↡ Advertisement Link to post Share on other sites More sharing options...
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