Motor Insurance

[gorgonitz82]

would like to ask ..... my previous motor insurance with bike A has not end yet .... can I change the bike to bike B to continue the same insurance?

 

Or do i have to terminate the insurance for Bike A and buy new insurance for Bike B. If so, will I get back the prorated amount that is not use?

 

Just want to know what is the additional cost if I have to change my bike. Thanks. Oh by the way, not upgrade .... same class.

[compfused]

Originally posted by gorgonitz82@Dec 6 2006, 07:04 PM

would like to ask ..... my previous motor insurance with bike A has not end yet .... can I change the bike to bike B to continue the same insurance?

 

Or do i have to terminate the insurance for Bike A and buy new insurance for Bike B. If so, will I get back the prorated amount that is not use?

 

Just want to know what is the additional cost if I have to change my bike. Thanks. Oh by the way, not upgrade .... same class.

Think must terminate then make new insurance..They should give back the remaining amount..

 

Anywho..My road tax will be expiring in early Feb but my insurance in late April..What I wanna know is can I tell the insurance company to cut short my insurance till Feb? So as to make it together with my road tax? They will return the remaining amount right? Or is this never ever possible? Or could I renew road tax for just another 2 motnhs to make it the same with my insurance? r is this never ever possible either?

 

Any help would be greatly appreciated..

[bbdcEr]

Originally posted by Andy@Apr 17 2003, 01:20 AM

Every user of a motor vehicle in Singapore must have in force an insurance policy with provides him or her with indemnity for legal liabilities arising out of death of bodily injuries in connection with the use of motor vehicle on the road. It is illegal to drive or be in charge of a vehicle on a public road without a Motor Insurance policy.

 

The law which governs compulsory Third Party Insurance for death and bodily injuries is the Motor Vehicles (Third Party riak and Compensation) Act 1980. the insurance as required under this Act must provide indemnity for:

a. death or bodily injuries of a third party up to an unlimited amount; and

 

b. rider's legal liability towards their pillion.

 

In accordance with the Act, a policy must be taken up with an approved insurer in Singapore and a Certificate of Insurance must be obtained from the insurance, otherwise the insurance policy purchased shall be of no effect.

 

There are three types of insurance covers available in the market.

a. Third party only (also know as 3rd party for motordiam)

This cover provides indemnity for:

1. death or bodily injuries to third parties and/or bodily injuries only to third parties and/or pillion.

2. damage to third party's property.

 

b. Third party, fire & theft (also know as 2nd party for motordiam)

1. death or bodily injuries to third parties and/or bodily injuries only to third parties and/or pillion.

2. damage to third party's property.

3. loss of or damage to the insured's vehicle due to fire or theft.

 

c. Comprehensive (also know as 1st party for motordiam)

1. death or bodily injuries to third parties and/or bodily injuries only to third parties and/or pillion.

2. damage to third party's property.

3. loss of or damage to the insured's vehicle due to fire or theft.

4. accidental and malicious damage to the insured vehicle.

 

 

Thanks to 2_wheeler for this contribution of information.

So, None of the insurance cover the damage to RIDERS ?

[paithorn]

it's only the bike....unless like some companies, they give personal insurance to nameddrivers/riders like aviva....

 

so i guess you got to pick up yr own personal insurance...

[bbdcEr]

Originally posted by paithorn@Dec 13 2006, 07:53 PM

it's only the bike....unless like some companies, they give personal insurance to nameddrivers/riders like aviva....

 

so i guess you got to pick up yr own personal insurance...

3k u.

So insurance will cost more than i expected.

[NaRuTo13]

i sign my 1st bike insurance during the time where subrider does not incur higher cost over the older rider..

 

my current renew insurance came at my age price.. whcih is double of what is previously pay from NTUC.

 

anyone can confirm from my scenario renew price got higher already?

 

or can someone confirm. thanks..

 

or can 2_wheeler clarify my doubt thanks..

[2_wheeler]

Originally posted by NaRuTo13@Dec 16 2006, 06:56 PM

i sign my 1st bike insurance during the time where subrider does not incur higher cost over the older rider..

 

my current renew insurance came at my age price.. whcih is double of what is previously pay from NTUC.

 

anyone can confirm from my scenario renew price got higher already?

 

or can someone confirm. thanks..

 

or can 2_wheeler clarify my doubt thanks..

yes, now it is based on whoever pays the higher premium... even for renewal.

[Chaoz]

Questions about insurance:

 

1) I am 21 yrs old and juz passed my class 2B and wants to buy a bike. I heard that I can only buy from NTUC as the rest of the company dun sell insurance to P-Plate.

 

2) Is it true that P-Plate personnel can only buy 1st Party insurance? 2nd or 3rd can or not?

 

3) Can I buy 1/2 yr insurance and not the full yr?

 

4) So what is the CHEAPEST insurance I can buy coz dun wan to spend so much on insurance. I heard that for 21yrs old P-Plate die die minimum muz pay $900+ for normal bike.. Sports bike even more. Is it true? Any other way?

[compfused]

Originally posted by modenaboi+Dec 22 2006, 10:41 AM-->

QUOTE (modenaboi @ Dec 22 2006, 10:41 AM)

Questions about insurance:   1) I am 21 yrs old and juz passed my class 2B and wants to buy a bike. I heard that I can only buy from NTUC as the rest of the company dun sell insurance to P-Plate.[/b] Wonder where you heard that from..Ahaha..   Originally posted by modenaboi@Dec 22 2006, 10:41 AM 2) Is it true that P-Plate personnel can only buy 1st Party insurance? 2nd or 3rd can or not? Can buy 1st party? I thought can buy 2nd or 3rd but not 1st..   Originally posted by modenaboi@Dec 22 2006, 10:41 AM 3) Can I buy 1/2 yr insurance and not the full yr? Don't think so..But after 6months you can terminate so they wil give you the remaining amount back..

[Technician III]

Hi guys, juz a qn here.. i hope it's not repeated..

 

I had an injury from an accident bout 2 mths ago.. My rd tax and my 2nd party insurance is going to expire on feb next yr.. However, if I can't ride on feb next yr due to my injury, what can I do bout the rd tax and insurance?

 

I noe tat not paying rd tax on time hav to pay extra rite? Can I pay rd tax 1st then when I wan to ride then renew my insurance? Tat will save me some time on my insurance..

 

Thanks and i apologise if I'm asking a repeated qn..

[ImEG]

Originally posted by Technician III@Dec 22 2006, 01:35 PM

Hi guys, juz a qn here.. i hope it's not repeated..

 

I had an injury from an accident bout 2 mths ago.. My rd tax and my 2nd party insurance is going to expire on feb next yr.. However, if I can't ride on feb next yr due to my injury, what can I do bout the rd tax and insurance?

 

I noe tat not paying rd tax on time hav to pay extra rite? Can I pay rd tax 1st then when I wan to ride then renew my insurance? Tat will save me some time on my insurance..

 

Thanks and i apologise if I'm asking a repeated qn..

if got road tax i THINK can le

[Kutrax]

ok guys sorry if this is a repeated qs.

 

let say my insurance expire 23 dec 06

i renew on 18 dec 06.. and cancel my insurance on 21 dec 06.

dat means the insurance not yet use.

 

so how much refund am i entitled?

is it 100% ?

[mamu27]

Originally posted by Technician III@Dec 22 2006, 01:35 PM

Hi guys, juz a qn here.. i hope it's not repeated..

 

I had an injury from an accident bout 2 mths ago.. My rd tax and my 2nd party insurance is going to expire on feb next yr.. However, if I can't ride on feb next yr due to my injury, what can I do bout the rd tax and insurance?

 

I noe tat not paying rd tax on time hav to pay extra rite? Can I pay rd tax 1st then when I wan to ride then renew my insurance? Tat will save me some time on my insurance..

 

Thanks and i apologise if I'm asking a repeated qn..

bro, all ur answers can be found @ onemotoring.com

 

neway, best option 4u is lay up ur bike.

wen u wana ride again, nid snd 4inspection 1st, b4 u pay rd tax/insurance.

 

[Bker_Ah_BoYz]

hi any1 knw hw insurance on class 2... sportbike.. just pass class 2

[unblockable]

Originally posted by Technician III@Dec 22 2006, 01:35 PM

Hi guys, juz a qn here.. i hope it's not repeated..

 

I had an injury from an accident bout 2 mths ago.. My rd tax and my 2nd party insurance is going to expire on feb next yr.. However, if I can't ride on feb next yr due to my injury, what can I do bout the rd tax and insurance?

 

I noe tat not paying rd tax on time hav to pay extra rite? Can I pay rd tax 1st then when I wan to ride then renew my insurance? Tat will save me some time on my insurance..

 

Thanks and i apologise if I'm asking a repeated qn..

hi hi .. i'am new here.

 

ok

 

Without insurance u cannot ride the bike. SO if u not using the bike den dun buy.

 

But if ur bike is in any carpark or on the road of singapore u will need road tax.....

 

So road tax u will still need to pay .

 

Cheers !!.

[unblockable]

Oh by the wayl. if u wanna cancel ur insurance.. They will return u the balance as in the total amount u paid divided by 12 months den pay u back accordingly.

 

But a deduction of 15% of ur balance goes to them.. haha... wanna buy insurance better hurry.. Feb.. all insurance gonna increase another 20 % !!!!

[Technician III]

Hmm.. Another thing leh.. Let's say my insurance ends on feb 07.. I'm not sure bout this but my insurance company will send me a letter for renewal rite?

 

So this letter of renewal, does it specific the cost of other parties of insurance? I'm currently on 2nd party? Will it show the amount I hav to pay for 3rd party or comprehensive?

 

Thanks..

[xb84]

Originally posted by Technician III@Dec 30 2006, 02:01 PM

Hmm.. Another thing leh.. Let's say my insurance ends on feb 07.. I'm not sure bout this but my insurance company will send me a letter for renewal rite?

 

So this letter of renewal, does it specific the cost of other parties of insurance? I'm currently on 2nd party? Will it show the amount I hav to pay for 3rd party or comprehensive?

 

Thanks..

dont think they will show the alternative choices, but u can always call them up.

[xb84]

Originally posted by unblockable@Dec 28 2006, 02:46 PM

Oh by the wayl. if u wanna cancel ur insurance.. They will return u the balance as in the total amount u paid divided by 12 months den pay u back accordingly.

 

But a deduction of 15% of ur balance goes to them.. haha... wanna buy insurance better hurry.. Feb.. all insurance gonna increase another 20 % !!!!

20%?!?!?!

 

who what when where why

[d0n]

Originally posted by onefour02@Dec 30 2006, 04:43 PM

20%?!?!?!

 

who what when where why

i also heard abt possible insurance premium increment frm the lady boss whom i bought my bike frm a few days ago

duno if its true

if insurance up somemore confirm jia lat~

[nage]

hi all, just have a qn to ask.. here it goes.. my cousin who is 29 owns a rxk.. i am onli 20.. so how exactly do i become a subrider of his bike.. how much does it cost.. ? issit going to be expensive as i am younger than he is?

and wat documents should i produce?

i need to know asap bcoz he is going overseas for 3 mths tmr and i nid to tell him wat documents to prepare.

thanks all in advance.

[Puffer]

Originally posted by nage@January 04, 2007 09:03 pm

hi all, just have a qn to ask.. here it goes.. my cousin who is 29 owns a rxk.. i am onli 20.. so how exactly do i become a subrider of his bike.. how much does it cost.. ? issit going to be expensive as i am younger than he is?

and wat documents should i produce?

i need to know asap bcoz he is going overseas for 3 mths tmr and i nid to tell him wat documents to prepare.

thanks all in advance.

Read Pg 19.

 

Issurance saw wat we ppl been doing.

 

They'll take the least experience and younger particular

and charge based on tat !

[d0n]

Originally posted by nage@January 04, 2007 09:03 pm

hi all, just have a qn to ask.. here it goes.. my cousin who is 29 owns a rxk.. i am onli 20.. so how exactly do i become a subrider of his bike.. how much does it cost.. ? issit going to be expensive as i am younger than he is?

and wat documents should i produce?

i need to know asap bcoz he is going overseas for 3 mths tmr and i nid to tell him wat documents to prepare.

thanks all in advance.

i would reckon u need to produce the follow documents to add yr name as the subrider:

- original copy of the insurance certificate

- both you and yr cousin's NRIC (and driving licences)

 

actually im not too sure abt the driving licence part but there's no harm bringing them along

 

of course u need to bring NETS or cash along to topup the insurance premium cause u r a younger rider than yr cousin

 

[wildist]

hey guys i need to ask a question.

i am turning 18 this year, and i cant apply for my bike license until my birthday which is in october. however, i am planning on buying a bike first. i am aiming for a phantom 200cc. second hand. i am aware that i am not allowed to own a bike until i am 21, or so i was told. one question i need to ask is can my sister, who is 21, but has no bike license, only car, buy the bike on my behalf, first. then i pay for the seasonal parking and put the bike at the carpark till i get my license?

anyone can enlighten me on this, i have the money to buy the bike, but i am confused over the legal issues regarding this. because i plan to buy my bike first, under my sister's name. must i pay coe and insureance to park my bike? and in the first place can my sis buy the bike under her name? lastly, can she buy the bike for me without a bike license?

[SGGH]

For what you wanna get a bike 1st?

 

The bike cannot be used without a INSURANCE.

To get the INSURANCE , u need valid class 2b LICENSE

 

No License = No Bike. Unless u want to laid it up at a garage or something which have a daily cost.

 

Wait till you got license then talk about bike. for what you put one in the garage and left it to rot?