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Insurance - General Enquiry

Guest ~deNso_iRidiUm~

By Guest ~deNso_iRidiUm~
in Biking in Singapore

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ck_yeo Newbie

ck_yeo

Posted
Posted

hi guys, just wanna ask some of u riding the same bike as mi... mine born in 2002 and im 27yrs nw...

 

last yr my insurance cost $425, i just received my latest(due on apr) and which cost $398.... NCD max 20% for both

 

so now i wanna know is it normal that they discount $20-$30 per year only??? mine is NTUC.... 2nd party..

 

any other insurance company can go cheaper then NTUC? pls advise... thanks in advance..

\

Chris

http://i118.photobucket.com/albums/o119/yeochris/IMG_0825-1.jpghttp://i118.photobucket.com/albums/o119/yeochris/IMG_3362asmall-2.jpg

both my xiao bai... ^_^

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VOODOO_DOLL Newbie

VOODOO_DOLL

Posted
Posted

can check through yellow page on all the insurance companies. Den just give them a call and quote ur insurance. i also did the same last year.

It Is Not How FAST You Can Travel, But How FAST You Can Handle?

ck_yeo Newbie

ck_yeo

Posted
Posted

hi edward, u riding specs2 too???

 

i wanna compare those bros here who ride specs2 too... see how much they paid for 2nd party....

http://i118.photobucket.com/albums/o119/yeochris/IMG_0825-1.jpghttp://i118.photobucket.com/albums/o119/yeochris/IMG_3362asmall-2.jpg

both my xiao bai... ^_^

edwardthy Newbie

edwardthy

Posted
Posted
Originally posted by ck_yeo@March 31, 2007 12:02 am

hi edward, u riding specs2 too???

 

i wanna compare those bros here who ride specs2 too... see how much they paid for 2nd party....

Yup. Me riding spec 2 and same age as you. I got Mitsui 2nd party fire and theft policy. Best. :thumb:

ck_yeo Newbie

ck_yeo

Posted
Posted

ya, edward, how much u paid for??

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both my xiao bai... ^_^

ck_yeo Newbie

ck_yeo

Posted
Posted
Originally posted by SMR@March 31, 2007 02:59 am

I'm riding a spec 2 & same age too. Will keep u update once I have the details.

the latest insurance that u paid is how much?

 

and is it norm to everyone that when u renew ur policy, insurance company decrease ur premium by $20-$30 only?(with 20% NCD)??

http://i118.photobucket.com/albums/o119/yeochris/IMG_0825-1.jpghttp://i118.photobucket.com/albums/o119/yeochris/IMG_3362asmall-2.jpg

both my xiao bai... ^_^

SMR Newbie

SMR

Posted
Posted
Originally posted by ck_yeo@March 31, 2007 12:36 pm

the latest insurance that u paid is how much?

 

and is it norm to everyone that when u renew ur policy, insurance company decrease ur premium by $20-$30 only?(with 20% NCD)??

Sorry I just can't find the receipt and I tried calling up the insurance company to check but I believe they are closed now... :sweat:

 

Btw, my 2nd party insurance was renewed on last dec 06 and I'm getting only 15% NCD.

 

You'll get an increase of 5% NCD annually, to a max of 25% which I believe, if you have never made any claims.

ck_yeo Newbie

ck_yeo

Posted
Posted

max 25%?? i think max only 20%, coz last yr mine oredi 20%, this yr also 20%

http://i118.photobucket.com/albums/o119/yeochris/IMG_0825-1.jpghttp://i118.photobucket.com/albums/o119/yeochris/IMG_3362asmall-2.jpg

both my xiao bai... ^_^

SMR Newbie

SMR

Posted
Posted
Originally posted by ck_yeo@March 31, 2007 05:00 pm

max 25%?? i think max only 20%, coz last yr mine oredi 20%, this yr also 20%

my bad.... :sweat:

 

the max NCD is 20%, always mix up the extra 5% for car insurance from traffic police... :sweat:

edwardthy Newbie

edwardthy

Posted
Posted
Originally posted by ck_yeo@March 31, 2007 12:32 pm

ya, edward, how much u paid for??

Hi guys, sorry to reply so late.

 

My Mitsui insurance 2nd party with fire and theft = $524.00 (with GST). Previously transferred from NTUC income with NCD 20%. (riding SP previously)

 

I got refunded money from NTUC income cos tansferred from SP to super4.

 

Quite cheap as i compared NTUC and Mitsui. Both fire and theft covered, thats y i say Mitui is cheaper than NTUC.

 

Im born in 1980. Riding super4 last year since oct06. Passed 2A in May06. U should check with Mitui and get a quotation. Maybe yrs might be cheaper than mine in terms of riding experience.

 

Hope i clarify with everyone. :cheer:

  • 2 months later...
mi5trooper Newbie

mi5trooper

Posted
Posted

many thanks.

 

It is about insurance. i was told by the bike shop, only the person that name is in the insurance can ride the bike.

 

i give 1 example, for eg, i get friend A to pickup my bike at point a to point b. he has valid riding licence. he is riding safely. no accident or anything like that. can he get into trouble for helping me?

 

for eg, if police check (road block or etc), he show him his licence and my insurance. he explain that he is helping me to collect the bike from point a to point b becos i cannot make it (for eg i am sick or etc). will he get into trouble? what is the trouble or punishment?

 

Now this is just info for me to know only. becos the insurance can only put 2 name mah. thanks.

ShnHwA- Newbie

ShnHwA-

Posted
Posted
many thanks.

 

It is about insurance. i was told by the bike shop, only the person that name is in the insurance can ride the bike.

 

i give 1 example, for eg, i get friend A to pickup my bike at point a to point b. he has valid riding licence. he is riding safely. no accident or anything like that. can he get into trouble for helping me?

 

for eg, if police check (road block or etc), he show him his licence and my insurance. he explain that he is helping me to collect the bike from point a to point b becos i cannot make it (for eg i am sick or etc). will he get into trouble? what is the trouble or punishment?

 

Now this is just info for me to know only. becos the insurance can only put 2 name mah. thanks.

 

yes..only names in the insurance can ride the bike..if ur fren kana police check or got into accident, both of u will b in trouble..unless u call the police & report lost of ur bike..say ur bike was stolen..den ur fren will b charged for theft & riding without a valid insurance..y take the risk? go add ur fren as the sub rider lah :sian:

Sh|nHwA-

 

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1986 (Apr)-2005 (Jun): BMW-Turbo (Bus, Mrt, Walk, Turbo Taxi)

2005 (Jun - 2006 (Jul): Honda 150SP

2006 (Jul) - 2013 (Feb): Honda CB400 S4 Spec II.3 (Type R)

2013 (Feb) - ???? : Yamaha FZ1N

 

♂♀ Loners - Dare To Ride Alone

IvikaRazI Newbie

IvikaRazI

Posted
Posted

Ya totally agreed. Since you buying bike, the insurance company will be able to add in second rider (named rider/sub rider) for free. This is last that I check. Unless already bought the insurance, I think they will ask for admin fees to add 2nd name.

* Suzuki GSR750

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mi5trooper Newbie

mi5trooper

Posted
Posted

i am more interested to know about police check. and i once again say, it is for info that is good to know only.

s4vtec Newbie

s4vtec

Posted
Posted
i am more interested to know about police check. and i once again say, it is for info that is good to know only.

 

most prob will be fine, revoke or suspension of licence, and/or jail...

 

u r going against the Law of Singapore. prepare for the worst.

AMKS4 Riders, Gathering S4 Riders of our Tomato Land

- My current ride, Honda CB 400 Super 4 Hyper VTEC. More pictures @ friendster.com/s4vtec -

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- Feel free to contact Thomas aka s4vtec @ 969-11-787 should you have any questions about your S4. -

mi5trooper Newbie

mi5trooper

Posted
Posted

thanks for the info. very education to me.

 

i got any question - same just for my knowledge only. appericate the advice.

 

1. nowadays, there is no more anyrider insurance, right?

2. can 3 person bundle under the same insurance?

3. if there is 3 person and 1 bike. how to make it legally allow all to ride?

 

let presume that i want to buy a family bike where my father, brother and myself can use. is this possible? i mean even to the extend of buying 2 pieces of insurance is ok, but is it possible.

 

(family not rich enough to buy family car. but i want to give my family some thing lor. so i thou of a family bike)

 

Thanks for your advice.

ZzGaNgStErzZ Newbie

ZzGaNgStErzZ

Posted
Posted
3rd party?

Or 2nd party?

 

oso cheap liao loh, mine is $600+ 2nd pt. muz ask, how old r u?

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