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[Discussion] ~ Insurance Related Issue

bluesurfer

By bluesurfer
in Naked/Street Bikes

 Share

What insurance type do you use?  

186 members have voted

  1. 1. What insurance type do you use?

    • Third Party
      68
    • Third Party, Fire & Theft (TPFT)
      104
    • Full Comprehensive
      14

Recommended Posts

PegScraper Newbie

PegScraper

Posted
Posted

The reason I ask is that my bike is now fully paid up and I'm free to choose what type of insurance I take. I wanted to know how many people switched over to third party and whether it was a good idea in Singapore to do so... :)

 

u nv noe when someting will happen to u ma.....touch wood la

Ride 'em like you stole 'em...

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eement Newbie

eement

Posted
Posted

it not a good idea unless u are a rich man son

 

haha joking.....see how u wan it to be

 

for a few hundred dollar more u can have more assurance ma

bike history

1987 - 1988 - Baby steps

1989 - 2005 - Bus,Mrt,Taxi

Nov05 - Jan07 -YBR125

Jan07 - Feb11- CB400 Spec 1

Mar11 - ??? Fazer 1000

Nov05 - Got Got Class 2B

Dec 06 - Got Class 2A

Nov07 - Got Class 3

Mar08 - Got Class 2

  • 2 weeks later...
slutgarden Newbie

slutgarden

Posted
Posted

it's all about how much you would want to be saved..

 

at the end of the day, should anthing happened to your bike, sure you would want coverage right?.

 

-3rd party is like an umbrella, just without the canvas over it. just the metal parts.

-3rd party f&t is like an umbrella with canvas over it.

-comprehensive is like having an umbrella together with raincoat.

For every 7 pounds you lose, you gain one horsepower.

dragonforce Newbie

dragonforce

Posted
Posted

tpft for me.. although wallet hurts and insurance price just increased .. but just to be safe..

Rat bike - A motorcycle not necessarily kept in pristine condition, often painted matt black. Minimal maintenance and mismatched parts often used.
MUSHA Newbie

MUSHA

Posted
Posted
it's all about how much you would want to be saved..

 

at the end of the day, should anthing happened to your bike, sure you would want coverage right?.

 

-3rd party is like an umbrella, just without the canvas over it. just the metal parts.

-3rd party f&t is like an umbrella with canvas over it.

-comprehensive is like having an umbrella together with raincoat.

 

That's a very comprehensive explanation... :angel:

 

I m on TPFT, minimum that my financial (which is my bike shop) allows. That's only fair, I guess... :p

How time flies...

 

Big is certainly a warning but small can be downright scary! Never underestimate the effectiveness of small.

  • 1 month later...
FrdAuZ Newbie

FrdAuZ

Posted
Posted

3rd party fire and theft...

 

Is it correct if downgrade to 3rd party only cannot upgrade back?

  • Yamaha RXZ 135
  • Honda Wave 125
  • Honda CB400 Spec 3
  • Yamaha FZ6 
  • Yamaha FZ1S
  • Yamaha XMAX 300 & Yamaha R15
dragonforce Newbie

dragonforce

Posted
Posted

shouldnt be? cos upgrading will allow them to have more revenue, why would they want to miss that?

Rat bike - A motorcycle not necessarily kept in pristine condition, often painted matt black. Minimal maintenance and mismatched parts often used.
FrdAuZ Newbie

FrdAuZ

Posted
Posted
shouldnt be? cos upgrading will allow them to have more revenue, why would they want to miss that?

 

cos i called my bikeshop they say if i downgrade..next time cannot upgrade back to 3rd party fire and theft.anyone can confirm this?

  • Yamaha RXZ 135
  • Honda Wave 125
  • Honda CB400 Spec 3
  • Yamaha FZ6 
  • Yamaha FZ1S
  • Yamaha XMAX 300 & Yamaha R15
euz Newbie

euz

Posted
Posted
cos i called my bikeshop they say if i downgrade..next time cannot upgrade back to 3rd party fire and theft.anyone can confirm this?

can change another company mah..................

MUSHA Newbie

MUSHA

Posted
Posted
cos i called my bikeshop they say if i downgrade..next time cannot upgrade back to 3rd party fire and theft.anyone can confirm this?

 

Hmmm... that strange. As I know of is can be upgrade to TPFT. All you need is a inspection cert by any inspection centre presented to the insurance co.

How time flies...

 

Big is certainly a warning but small can be downright scary! Never underestimate the effectiveness of small.

bert Newbie

bert

Posted
Posted
The reason I ask is that my bike is now fully paid up and I'm free to choose what type of insurance I take. I wanted to know how many people switched over to third party and whether it was a good idea in Singapore to do so... :)

 

Jus a couple hundreds more, take TPFT to be on the safer side.

d3an_cain Newbie

d3an_cain

Posted
Posted

tried calling AXA 2 renew my insurance but can't get thru them..

sigh..

http://i116.photobucket.com/albums/o3/d3an_cain/FZ-1S/385677_10150750269527550_501922549_9854539_2138314152_n-1.jpg

http://images.redop2.multiply.com/image/b8SD0QJnMUnxGv+Dp320mg/photos/1M/300x300/2590/RedopII-logo.jpg?et=kJJjj8slm46j7tujy58%2Byg&nmid=0

[/center]

http://redop2.multiply.com/

PegScraper Newbie

PegScraper

Posted
Posted
tried calling AXA 2 renew my insurance but can't get thru them..

sigh..

 

You could try Leong Seng in Bukit Merah - they do my AXA insurance for me. Very quick, 15 minutes for a cash transaction.

Ride 'em like you stole 'em...

MUSHA Newbie

MUSHA

Posted
Posted
tried calling AXA 2 renew my insurance but can't get thru them..

sigh..

 

Ya, just get your fav bike shop to do it. :thumb:

How time flies...

 

Big is certainly a warning but small can be downright scary! Never underestimate the effectiveness of small.

dragonforce Newbie

dragonforce

Posted
Posted

if possible, go their office to do it, its the easiest. but i tried calling a few times, no problems at all..

Rat bike - A motorcycle not necessarily kept in pristine condition, often painted matt black. Minimal maintenance and mismatched parts often used.
  • 2 weeks later...
d3an_cain Newbie

d3an_cain

Posted
Posted

did mine last wk..

AXA( also known as ANDA) office @ upper thomson rd..

near the shell after the bishan FS.

tel no 65542288..

qoutation way diff from from bike shop..

imagine ask bikse shop, they qoute $400

go ANDA office.. onli $299.60.

save alot..

luckyly bike fully paid

if bike still installment, they don accept..

they will ask u go bikeshop do...

http://i116.photobucket.com/albums/o3/d3an_cain/FZ-1S/385677_10150750269527550_501922549_9854539_2138314152_n-1.jpg

http://images.redop2.multiply.com/image/b8SD0QJnMUnxGv+Dp320mg/photos/1M/300x300/2590/RedopII-logo.jpg?et=kJJjj8slm46j7tujy58%2Byg&nmid=0

[/center]

http://redop2.multiply.com/

FrdAuZ Newbie

FrdAuZ

Posted
Posted

Guys, curious ah.. Allianz insurance dont accept CB400 anymore is it?

 

Cos i wanna renew,bike said so then they change to AIG.

 

My bike still under installment.. cant do my own insurance :(

 

Quote $665 by bike shop TPFT policy.

 

I suspect its only $500 cos on cover note theres a writing there which state $500.

 

Is there any way to save further on insurance? Lets say just wait till insurance die then go change company n buy insurance ourself

  • Yamaha RXZ 135
  • Honda Wave 125
  • Honda CB400 Spec 3
  • Yamaha FZ6 
  • Yamaha FZ1S
  • Yamaha XMAX 300 & Yamaha R15
MUSHA Newbie

MUSHA

Posted
Posted
did mine last wk..

AXA( also known as ANDA) office @ upper thomson rd..

near the shell after the bishan FS.

tel no 65542288..

qoutation way diff from from bike shop..

imagine ask bikse shop, they qoute $400

go ANDA office.. onli $299.60.

save alot..

luckyly bike fully paid

if bike still installment, they don accept..

they will ask u go bikeshop do...

 

Wa say... which bike shop is that? o_O

How time flies...

 

Big is certainly a warning but small can be downright scary! Never underestimate the effectiveness of small.

  • 1 month later...
rayhunter Newbie

rayhunter

Posted
Posted
Guys, curious ah.. Allianz insurance dont accept CB400 anymore is it?Cos i wanna renew,bike said so then they change to AIG.My bike still under installment.. cant do my own insurance :(

Quote $665 by bike shop TPFT policy.

I suspect its only $500 cos on cover note theres a writing there which state $500.

Is there any way to save further on insurance? Lets say just wait till insurance die then go change company n buy insurance ourself

 

The $500 i guess is the assessment value (hope i put it correctly)

mine also have the $500 on it but my premium is $346 just renewed 2 wks ago..

ride safe today,ride again tomorrow

  • 2 weeks later...
xiaobanz Newbie

xiaobanz

Posted
Posted

Ermm, TP for me.. Cos mine old bike, but of cuz got the what if factor.. I'm taking my chance..

~ Future Ride ~

CBR600rr :thumb:

 

~ Current Drive ~

Kia Cerato Forte SX 1.6 SJU

 

~ Previous Rides ~

1. Spark 135 FBA | 2. NSR 150 SP FS | 3. Yamaha x1 FY | 4. Honda s4 verS FP

  • 4 weeks later...
driftbaker Newbie

driftbaker

Posted
Posted
Sorry for the noob question, but what's the difference between TPFT and Full Comprehensive ah?

 

if i'm not wrong:

 

3rd party fire n theft => any accident, 3rd party can claim ur insurance, u can claim any fire or theft that happened to ur bike. but u as first party cannot claim.

 

Full comprehensive => includes first party can claim during accident. that is, it includes everything.

http://www.nea.gov.sg/cms/mss/gif/rainloc0.gif

 

"Riding a slow bike fast is always more fun than riding a fast bike slow."

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