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Thread: [General] Insurance!!

  1. #51
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    Quote Originally Posted by TheYasMan View Post
    So its easy to cancel if anything happens, or to enquire about extending and it's package prices.
    i'll just google it when i need it..

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    OMG!

    another problem arise. the bike shop uncle said that want to get the bike can, wan to pay buy installment can. but the ownership must be the uncle.. it's like WTH.... anyone met with this situation before ?

     

     
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    uncle as in bike shop uncle? you got your licence yet dude? if you have the ownership is yours if you make a purchase regardless installment or not..unless you fail to make installment they will tow it backk to shop. if you haven't gotten yr licence, don't waste time, go get it!
    Click below link or copy+paste for good deals!
    http://www.singaporebikes.com/forums/showthread.php/417915-WTS-Shoei-XR-1100-Diabolic-Cimmerian-Mint-Condition-L-Size-CHEAP!-9-8-10?p=8191458#post8191458

    http://www.singaporebikes.com/forums/showthread.php/406472-WTS-Blaupunkt-Style-Headphones-Unopened-BNIB!

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    Quote Originally Posted by jB View Post
    uncle as in bike shop uncle? you got your licence yet dude? if you have the ownership is yours if you make a purchase regardless installment or not..unless you fail to make installment they will tow it backk to shop. if you haven't gotten yr licence, don't waste time, go get it!
    passed already, read my 1st post.
    yeah, shop uncle.
    what i'm trying to say is, pay by installment.
    but ownership must put the bike shop uncle's name..
    ridiculous?

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    Quote Originally Posted by jB View Post
    uncle as in bike shop uncle? you got your licence yet dude? if you have the ownership is yours if you make a purchase regardless installment or not..unless you fail to make installment they will tow it backk to shop. if you haven't gotten yr licence, don't waste time, go get it!
    passed already, read my 1st post.
    yeah, shop uncle.
    what i'm trying to say is, pay by installment.
    but ownership must put the bike shop uncle's name..
    ridiculous?

  6. #56
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    i just renew my insurance $178 (ntuc less 20% NCD 5% other discount)... how much u guys pay ?

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    Quote Originally Posted by |a|eX| View Post
    i just renew my insurance $178 (ntuc less 20% NCD 5% other discount)... how much u guys pay ?
    wats ur age? wonder mine how much sia, renewal in march, about 6 more months to go
    The pain of discipline is nothing like the pain of disappointment

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    i'm 22 this year.

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    Quote Originally Posted by |a|eX| View Post
    i just renew my insurance $178 (ntuc less 20% NCD 5% other discount)... how much u guys pay ?
    ntuc less 20%? how come? that was cheap man or are you have your life insurance with ntuc also ?

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    if u stay 3 yrs with ntuc with no claims, u r entitled 20% ncd, plus 5% loyalty. n if u buy diectly, another 5%. total 30% less.

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    hi guys
    someone pls feedback on this "money saving" suggestion whether it can work or not

    case:
    young chap buy bike as owner, insurance very expensive ... lets say $1200
    if get dad to buy bike, ah pek with experience pay lower premium mah ... lets say $600
    then dad add son as sub-rider... will sub-rider premium be <$600?

    if much less, good deal coz both dad-n-son can ride the bike... both are covered
    any difference in coverage for main & sub-rider?

    if this method can work... then many young riders can benefit also
    may all be well and happy

     

     
  12. #62
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    Quote Originally Posted by josephsbs View Post
    hi guys
    someone pls feedback on this "money saving" suggestion whether it can work or not

    case:
    young chap buy bike as owner, insurance very expensive ... lets say $1200
    if get dad to buy bike, ah pek with experience pay lower premium mah ... lets say $600
    then dad add son as sub-rider... will sub-rider premium be <$600?

    if much less, good deal coz both dad-n-son can ride the bike... both are covered
    any difference in coverage for main & sub-rider?

    if this method can work... then many young riders can benefit also

    this loop hole has long been covered up.. now the insurance premium takes the age of the youngest rider, so no difference..


    Wooo HoOOoOooooo~

  13. #63
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    thanks... i learn something new again today
    everyday is a learning experience
    may all be well and happy

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    Quote Originally Posted by josephsbs View Post
    hi guys
    someone pls feedback on this "money saving" suggestion whether it can work or not

    case:
    young chap buy bike as owner, insurance very expensive ... lets say $1200
    if get dad to buy bike, ah pek with experience pay lower premium mah ... lets say $600
    then dad add son as sub-rider... will sub-rider premium be <$600?

    if much less, good deal coz both dad-n-son can ride the bike... both are covered
    any difference in coverage for main & sub-rider?

    if this method can work... then many young riders can benefit also

    the bike that i am riding now is under my uncle's name. thats why its so cheap. haha.

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    Quote Originally Posted by |a|eX| View Post
    the bike that i am riding now is under my uncle's name. thats why its so cheap. haha.
    huh? does it mean this "money saving scheme" still can work?
    Last edited by josephsbs; 21-11-2007 at 03:43 PM.
    may all be well and happy

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    Quote Originally Posted by binkaz View Post
    this loop hole has long been covered up.. now the insurance premium takes the age of the youngest rider, so no difference..

    Yap.... so find 60 years old uncle also no use.... take the younger 1 age
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    the money saving scheme worked when i started riding 3 yrs back. now it dun work.. haha

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    i was with Mitsui in 2005- 2007... was riding sp... costs me $297.

    this june just changed motor to cbr400... took Ntuc ...$329....

    when i check with Ntuc...they gave me a quotation of $297......coz i changing to Phatom 200.... i am 24 this year..

    called up AXA to ask, they say basic is $250..... with gst is $267.50... coz my one is new case, as i am getting a new policy with them..

    can u guys advise me?

    my Ntuc current one not even 1 year wor.. so dun think can enjoy any rebates...

    but long term lei?..

    kindda support Ntuc lei..

    Advices?
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  19. #69
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    try to survery around, ask different companies might give different qoutes.

    different staffs from the same company might give different qoutes too.

    i got mine 2nd party for $886. kinda cheap i guess which was around 4 months ago by NTUC.


    most prob i ride a phantom, and my dad/sis/mom is her client. heh heh.

    got the whole family covered up by the same staff..

    well anyways, another qoute i got from NTUC as well for 2nd party = $1k++

    if you want cheap cheap, wait till 21. by then, you can take your 2a, class 2, and insurance will be cheaper, if you buy a 2b bike. no pplates too!.
    For every 7 pounds you lose, you gain one horsepower.

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    Manage to dig up this thread.

    Other than pricing for FV Ta200, wld like to check the procedure to get the insurance cert done up. Which company cheapest and easier to settle for 3rd Party Fire & Theft?

    I am 27 this yr and passed my 2b in 2003.
    Pls Ride Safely.

    -----------------
    2003 Nov - 2004 Mar => FV Ta200
    2004 Mar - 2008 Jan => Public Transport
    2008 Jan onwards => FV Ta200 (Diff fr the one in 03)

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    Quote Originally Posted by zoom13 View Post
    Manage to dig up this thread.

    Other than pricing for FV Ta200, wld like to check the procedure to get the insurance cert done up. Which company cheapest and easier to settle for 3rd Party Fire & Theft?

    I am 27 this yr and passed my 2b in 2003.
    i got quote from AXA for FX plate TA200 for $270 2nd party. Bike shop quote me $300 for same thing. 28 this yr with 1 yr riding exp. hope this helps

     

     
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    Thanks.....
    Pls Ride Safely.

    -----------------
    2003 Nov - 2004 Mar => FV Ta200
    2004 Mar - 2008 Jan => Public Transport
    2008 Jan onwards => FV Ta200 (Diff fr the one in 03)

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    Check NTUC. Price might be lesser but you'll have to go there directly. There's one in Jurong East.
    .

    .
    [IMG]-http://i26.tinypic.com/34fk18i.jpg[/IMG]

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    Did a check yesterday after i finally collected my newest insurance cert.
    Prices for someone like me on 3rd party (bearing in mind the price hikes in 2007 for young riders):

    AXA (my current one) - $288 + $20 (GST) = $308.
    Mitsui - $920 without GST.
    I have the best signature.

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    TheYasMan, does it include fire and theft or just third party only?

    Where to get AXA ah?
    Pls Ride Safely.

    -----------------
    2003 Nov - 2004 Mar => FV Ta200
    2004 Mar - 2008 Jan => Public Transport
    2008 Jan onwards => FV Ta200 (Diff fr the one in 03)

  26. #76
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    miitsui is freaking expensive sia!!!

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    staying at sembawang...can i check where is the nearest NTUC or AXA available for me to do up the insurance cert?

    Thanks.
    Pls Ride Safely.

    -----------------
    2003 Nov - 2004 Mar => FV Ta200
    2004 Mar - 2008 Jan => Public Transport
    2008 Jan onwards => FV Ta200 (Diff fr the one in 03)

  28. #78
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    google it..

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    err...thanks..
    Pls Ride Safely.

    -----------------
    2003 Nov - 2004 Mar => FV Ta200
    2004 Mar - 2008 Jan => Public Transport
    2008 Jan onwards => FV Ta200 (Diff fr the one in 03)

  30. #80
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    Quote Originally Posted by TheYasMan View Post
    Did a check yesterday after i finally collected my newest insurance cert.
    Prices for someone like me on 3rd party (bearing in mind the price hikes in 2007 for young riders):

    AXA (my current one) - $288 + $20 (GST) = $308.
    Mitsui - $920 without GST.
    wow yas ure making me think of changing to AXA sia....
    The pain of discipline is nothing like the pain of disappointment

  31. #81
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    just got a online quote from NTUC


    Thank You for your enquiry. Our motor quotation is Premium * S$167

    how come so cheap sia?

    anyone think the online quote reliable?
    The pain of discipline is nothing like the pain of disappointment

     

     
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    Quote Originally Posted by queirtus View Post
    just got a online quote from NTUC


    Thank You for your enquiry. Our motor quotation is Premium * S$167

    how come so cheap sia?

    anyone think the online quote reliable?
    I believe it is. I've been using NTUC for as long as i can remember. Did insurance job before and NTUC seem to be the lowest of all the about 30 insurance company in singapore.
    But in the event if you need to make any claims, you must go to their Authorised worshop unless its a 3rd party claims.
    Another thing is that, you'll will have to go direct to their branch for better pricing.
    AIG and AXA they are one of the most expensive insurance premium but claimming very easy no hassle.
    So my advice is, if youre buying 3rd party insurance then best to use NTUC. Make no much different in claimming term and agreement.

    .

    .
    [IMG]-http://i26.tinypic.com/34fk18i.jpg[/IMG]

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    For your age, NTUC that cheap? I really doubt it.
    The pricings are somewhat along the line of Mitsui's, so long as i know.. At least for 2006-2007.
    Last edited by TheYasMan; 24-01-2008 at 01:39 PM.
    I have the best signature.

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    Quote Originally Posted by TheYasMan View Post
    For your age, NTUC that cheap? I really doubt it.
    The pricings are somewhat along the line of Mitsui's, so long as i know.
    But i understand AXA and some companies dont insure new or <20 year old riders.
    Not sure about Mitsui's. True, age and what you do play a factor. To those who required renewal check it out first and compare, wont burn your finger.
    Another thing about NTUC the price is always lesser when you go to their branch directly.

    Good luck.....and may the force be with you....
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    hmm...i got an online quote from NTUC yday also...
    it was 288 based on 20% NCD and 30+ yrs old, which both I am not eligible..so be prepared to pay higher..

    prob head down to the AMK branch to get it sorted out...

    i rem i paid 500+ 4 yrs ago when i just passed and bought my first phantom...
    Pls Ride Safely.

    -----------------
    2003 Nov - 2004 Mar => FV Ta200
    2004 Mar - 2008 Jan => Public Transport
    2008 Jan onwards => FV Ta200 (Diff fr the one in 03)

  36. #86
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    Quote Originally Posted by TheYasMan View Post
    For your age, NTUC that cheap? I really doubt it.
    The pricings are somewhat along the line of Mitsui's, so long as i know.. At least for 2006-2007.
    yas, u know my age wat u and me almost same age.

    and besides maybe its coz of the 2 years riding experience thingy?
    The pain of discipline is nothing like the pain of disappointment

  37. #87
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    uhm guys does bike plate plays a part too? maybe thats why cheap?

    coz mine is FR plate, next year gonna mati liao =(
    The pain of discipline is nothing like the pain of disappointment

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    Quote Originally Posted by queirtus View Post
    just got a online quote from NTUC


    Thank You for your enquiry. Our motor quotation is Premium * S$167

    how come so cheap sia?

    anyone think the online quote reliable?
    ask for the quotation on the phone better. the online quoted me more.

  39. #89
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    i'm riding TA200 FV plate
    24 yrs old

    axa $267
    ntuc $541
    misu $881
    "Success is a lousy teacher. It seduces smart people into thinking they can't lose "

  40. #90
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    Quote Originally Posted by queirtus View Post
    yas, u know my age wat u and me almost same age.

    and besides maybe its coz of the 2 years riding experience thingy?
    Quote Originally Posted by queirtus View Post
    uhm guys does bike plate plays a part too? maybe thats why cheap?

    coz mine is FR plate, next year gonna mati liao =(
    2 years riding experience plays little or no effect, to have caused such a low quotation. Did you say your age clearly? It's pretty crazy to pay -that- little for our age bro.

    Maybe your old bike's age got to do with it, yeah. Never considered it.
    I dont know.

    Quote Originally Posted by Joncfk View Post
    i'm riding TA200 FV plate
    24 yrs old

    axa $267
    ntuc $541
    misu $881
    Exactly how i thought the graph chart stands as of 2006 till now.
    I have the best signature.

  41. #91
    zoom13
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    so strange..called all the number of the respective companies and they refer me to the same broker or agent...

    anyway NTUC quote 400 for TPFT...364 for AXA... wondering if there is a need to get fire and theft coverage or just third party will do...

    i dun intend to go JB la..just concerned abt those pple burning my bike at HDB flats...haha...
    Last edited by zoom13; 25-01-2008 at 12:05 PM.
    Pls Ride Safely.

    -----------------
    2003 Nov - 2004 Mar => FV Ta200
    2004 Mar - 2008 Jan => Public Transport
    2008 Jan onwards => FV Ta200 (Diff fr the one in 03)

     

     
  42. #92
    Metalfyre
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    I realised my insurance is the cheapest.
    Postman Eating Inc*





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  43. #93
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    SHARE IT WITH US!!

  44. #94
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    Quote Originally Posted by Metalfyre View Post
    I realised my insurance is the cheapest.
    for which bike of yours?
    Click below link or copy+paste for good deals!
    http://www.singaporebikes.com/forums/showthread.php/417915-WTS-Shoei-XR-1100-Diabolic-Cimmerian-Mint-Condition-L-Size-CHEAP!-9-8-10?p=8191458#post8191458

    http://www.singaporebikes.com/forums/showthread.php/406472-WTS-Blaupunkt-Style-Headphones-Unopened-BNIB!

  45. #95
    Metalfyre
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    phantom lor...$108 3rd party

    i think even my r6 insurance is cheaper than some ppl here..TPFT at $683
    Postman Eating Inc*





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  46. #96
    queirtus
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    Quote Originally Posted by Metalfyre View Post
    phantom lor...$108 3rd party

    i think even my r6 insurance is cheaper than some ppl here..TPFT at $683
    coz u old man mah
    The pain of discipline is nothing like the pain of disappointment

  47. #97
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    wan to check with u guys..

    for AXA, when u selling yr bike and stop riding, will they return you a portion of the remaining premium not utlisied?

    i know NTUC will refund 85% of the remainder...
    Pls Ride Safely.

    -----------------
    2003 Nov - 2004 Mar => FV Ta200
    2004 Mar - 2008 Jan => Public Transport
    2008 Jan onwards => FV Ta200 (Diff fr the one in 03)

  48. #98
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    call and ask lor.. usually they will charge you admin fee, unless u signing up for another premium..

  49. #99
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    Quote Originally Posted by Metalfyre View Post
    phantom lor...$108 3rd party

    i think even my r6 insurance is cheaper than some ppl here..TPFT at $683
    grrrr... %&&%$^#*&%&^!?!?! I wanna change my mitsui to alliance already..Wonder how do I go about it took the number from Gohkm and will they help me terminate my mitsui insurance and stuff? hmm..
    Click below link or copy+paste for good deals!
    http://www.singaporebikes.com/forums/showthread.php/417915-WTS-Shoei-XR-1100-Diabolic-Cimmerian-Mint-Condition-L-Size-CHEAP!-9-8-10?p=8191458#post8191458

    http://www.singaporebikes.com/forums/showthread.php/406472-WTS-Blaupunkt-Style-Headphones-Unopened-BNIB!

  50. #100
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    ok..thot u guys might know...
    will call tmr..
    Pls Ride Safely.

    -----------------
    2003 Nov - 2004 Mar => FV Ta200
    2004 Mar - 2008 Jan => Public Transport
    2008 Jan onwards => FV Ta200 (Diff fr the one in 03)

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