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Aviva policyholder take note..


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http://www.mycarforum.com/index.php?showtopic=2664226

 

 

i am writing this on my true and personal account. I purchased an insurance with AVIVA last December. i did an online transaction. One of the questions asked was: Has your vehicle been modified from the manfacturer's standard specifications ? . I answered NO coz as far as i am concerned modification refers to engine enhancement.

 

Thus in May when a JB car kiss my rear, i made a 3rd party claim and Aviva came down to take pictures of my vehicle damage as their SOP. Few days later they said, they wanted to take a second round of pics prior to the accident. They did and instead of taking the pices of the damage, they took photos of my engine bay, tyres, interior.

 

i received a letter from them dated 5 May 2011, that my insurance has been void and will be refunded fully due to the following modification made.

 

1. Sports Rim

2. Strut Bar

3. Brake Vacuum Tube ( Monster Brake Capsule )

4.Voltage Stabilizer

5. Exhaust Tail Pipe ( which in fact was just the muffler TIP )

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how about mugen tyre caps? must use those rubber kind? :lol:

 

 

aviva is nuts. luckily they don't accept bikes, that's y i dun patronize their car insurance biz.

05.04 - 08.04: Honda Wave S (FV)

08.04 - 05.09: Honda Version S (FP)

09.08 - 08.10: Honda ESi 4dr (SBV)

04.11 - 02.12: Ducati 749 (FY)

05.09 - 07.14: Honda Wave X (FBD)

07.14 - 09.15: Yamaha Tmax 530 (FBH)

11.13 - 09.15: Honda City (SGA)

 

09.15 - Current: Honda Jazz (SKV)

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if TS had answered "Yes" to the question "Has your vehicle been modified from the manfacturer's standard specifications ?" upon purchase of policy. What would the outcome be?

 

lets say TS had answered "yes", would Aviva have rejected the application or imposed extra loading on the premium?

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If I change my car seat and side mirror, is it consider modifications?I think they are too much.for my friend case,even lta inspection did not say anything.which mean,I buy a car,cannot change any approved part accessories.if I do,either u pay more Or not cover.

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The thing is, where should the line to drawn? To us, it may seem harmless to replace an exhaust silencer or fit a big brake kit that enhances braking performances. But to the insurer, it was an excellent way of avoiding a massive payout. Dirty as it seems. Now, the driver was legally driving without a valid insurance coverage. And so he can be charged. Therefore guys, be very careful of your modifications. Even a sports rim can be considered as modifications. If you have to do something, then do something that they cannot fault you with.

 

Otherwise, simply answer yes to the online survey.

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Do Not Tailgate Me!

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Just by this comment "......as far as i am concerned modification refers to engine enhancement.", this fella seems naive and ignorant.

 

Furthermore, i feel that this forumer who posted this at /www.mycarforum.com was not telling the entire story. So unless this forumer post a copy of the actual reply from AVIVA, I am going taking it with a pitch of salt.

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1. Sports Rim

2. Strut Bar

3. Brake Vacuum Tube ( Monster Brake Capsule )

4.Voltage Stabilizer

5. Exhaust Tail Pipe ( which in fact was just the muffler TIP )

 

All these seems more to me like Safety Stuffz. ie making the Car more Safe. Wat has it gt 2 do wif the accident claim sia :confused:

 

Tok cock juz making it hard for U 2 get their $$$ :mad:

NSR 150 SP [FR5682H]: 7/7/04 - 15/11/05

GSX R400 RR [FL5988H]: 28/10/05 - 6/8/08

X1 Supreme [FBB4408Y]: 7/4/07 - 21/3/08

GSX R1000 K3 [FW9829A]: 27/9/07 - 20/2/08

GSX R1000 K7 [FBB??Z]: MIA o_O

GSX R1000 K8 [FBC????M]: 22/2/08 - 21/6/2013

125ZR [FBC 3720X]: 6/8/08 – 19/3/11

FJR 1300 ABS [FBC 3723M]: 21/6/2013

Sparks T135 [FBB 8146B]: 24/4/2015

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this really sucks.. somemore it's 3rd party claims..

gonna drive lesser and change to DA once my Aviva one is up..

 

Get prepared to take it to court if the inserer back out. Crappy insurers. We are at the whim and mercy of these insurers.

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Do Not Tailgate Me!

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Insurers are just empty talk money suckers. Most workshop repairs are below the excess 500, dont know pay insurance for what, should just buy the cheapest you can find.

*人 在 江 湖 *敲 锣 打 鼓 *

嘴讲兰派爽! The World would be a better place if karma exists.

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a JB car kiss his rear and he got claimed?

 

doesn't sound very correct to me. lol

05.04 - 08.04: Honda Wave S (FV)

08.04 - 05.09: Honda Version S (FP)

09.08 - 08.10: Honda ESi 4dr (SBV)

04.11 - 02.12: Ducati 749 (FY)

05.09 - 07.14: Honda Wave X (FBD)

07.14 - 09.15: Yamaha Tmax 530 (FBH)

11.13 - 09.15: Honda City (SGA)

 

09.15 - Current: Honda Jazz (SKV)

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Kiss BackSide is at Fault wat :confused:

 

JB Car Kiss him so he is making a Claim, for the Damages & Repair...

NSR 150 SP [FR5682H]: 7/7/04 - 15/11/05

GSX R400 RR [FL5988H]: 28/10/05 - 6/8/08

X1 Supreme [FBB4408Y]: 7/4/07 - 21/3/08

GSX R1000 K3 [FW9829A]: 27/9/07 - 20/2/08

GSX R1000 K7 [FBB??Z]: MIA o_O

GSX R1000 K8 [FBC????M]: 22/2/08 - 21/6/2013

125ZR [FBC 3720X]: 6/8/08 – 19/3/11

FJR 1300 ABS [FBC 3723M]: 21/6/2013

Sparks T135 [FBB 8146B]: 24/4/2015

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this really sucks.. somemore it's 3rd party claims..

 

gonna drive lesser and change to DA once my Aviva one is up..

 

same with me... will need to change for sure..

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sticking to CHartis.. pay more for a piece of mind

Class 2B: 11 May 2001 | Class 2A: 06 Oct 2009 | Class 2: 21 Dec 2010

Class 3 : 26 Sep 2003 | Forklift Licence: 06 Dec 2005

2001-2001 : Honda NSR SP 150

2002-2002 : Honda XR 200

2005-2005 : Honda Wave 125S

2006-2006 : Honda TA200

2008-2010 : Gilera VXR 200

2011-2014 : Honda Cbr 600

2014-Current: Yamaha FZ1S

2010-Current: Kia Picanto OPC

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Can terminate in advance and they refund right? Better than drive in fear...

 

to terminate now, refund is pro-rated (minus the admin cost)... and next insurance will need to top up the missing a few months .

 

oh well...

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well still at their mercy if we take any rush decision, jus remain status quo, once the insurance is expired, switch to another provider

Class 2B: 11 May 2001 | Class 2A: 06 Oct 2009 | Class 2: 21 Dec 2010

Class 3 : 26 Sep 2003 | Forklift Licence: 06 Dec 2005

2001-2001 : Honda NSR SP 150

2002-2002 : Honda XR 200

2005-2005 : Honda Wave 125S

2006-2006 : Honda TA200

2008-2010 : Gilera VXR 200

2011-2014 : Honda Cbr 600

2014-Current: Yamaha FZ1S

2010-Current: Kia Picanto OPC

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same with me... will need to change for sure..

 

My renewal in aug...

2000-Yamaha lc125/2001yamaha tzr125/2002Suzuki gsxr400r/2003-Honda TA 200/2005-Honda wave S 125/2005-Honda S4 spec 2/2007-yamaha yp400/2008-yamaha R6/2009-Honda CG 125/2010-Suzuki Dr200se/2010-Honda steed 400/2011-honda cb400sf pb1/2011-sym joyride 200/2012-honda wave

 

 

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