MSIG – Summary of Main Benefits (Any Workshop)

August 6th, 2010

MSIG – Summary of Main Benefits (Any Workshop)

Windscreen Coverage $0 Excess & Free Reinstatement (unlimited)
Loss Of Use Nil
NCD Protector Only applicable for those with 50% NCD, additional 10% premium is payable
PA for insured / passengers $20,000 / $10,000
Towing Service Free – for accident
Waiver of Excess Nil
Workshop Any Workshop
Excess for Young / Inexperienced Driver / Unnamed driver Additional $2,000 excess will apply to any authorized driver (other than the policy holder/primary driver) who is 26 years old or below and/or holder of a qualified driving license of less than 2 years
Installment Plan Not available
Payment Method Cash/Cheque/Credit Card
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Tenet (ExcelDrive Gold) – Summary of Main Benefits – Authorised Workshop

August 6th, 2010

Tenet (ExcelDrive Gold) – Summary of Main Benefits (Authorised Workshops)

Windscreen Coverage $0 Excess & Free Windscreen Reinstatement (Limited to once during policy period) max of 2 claims
Loss Of Use Daily Cash benefit given depending on CC of car (Repairs period exceed 3 days)
NCD Protector Free NCD Protector if NCD is 30% -50%
PA for insured / passengers $20,000 / $10,000
Towing Service Free – for accident
Waiver of Excess Original Excess Waived up to $1,000 (for first 2 claims)
Workshop Authorized Workshops Only
Excess for Young / Inexperienced Driver / Unnamed driver Additional excess (on top of original excess): Named Young and/or Inexperienced, Drivers or Elderly Drivers – $1,500. Unnamed Young and/or Inexperienced Drivers or Elderly Drivers – $3,000. ‘Young Drivers’ shall be defined as drivers (including the Insured) who are below 25 years old. ‘Inexperienced Drivers’ shall be defined as drivers (including the Insured) who have < 2 years of driving experience. 'Elderly Drivers' shall be defined as drivers (including the Insured) who are > 70 years old. Unnamed All Other Drivers – $500
Installment Plan Not available
Payment Method Cash/Cheque/Credit Card
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Etiqa – Summary of Main Benefits – Any Workshop

July 15th, 2010

Summary of Main Benefits For Etiqa
(Any Workshop)

Windscreen Coverage Free for 1st claim only, subsequent pay $40 (+ 7% GST)
Loss Of Use Nil, No courtesy car provided
NCD Protector 10% of premium – only applicable for 50% NCD
PA for insured / passengers Up to $20,000
Towing Workshop To be included in the claims amount
Waiver of Excess Nil
Workshop Any workshop only (Or can go to Etiqa’s recommended workshops)
Excess for Young / Inexperienced Driver / Unnamed driver An additional excess of $2,000 will be imposed on top of the policy excess if the insured vehicle is driven by any authorized person (other than the insured/named driver) who is under age 22 or less than 2 years of driving experience.
Installment Plan Not available
Payment Method Cash Cheque only
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Chatis – AIG (AutoPlus) – Summary of Main Benefits – Authorised Workshop

July 15th, 2010

Summary of Main Benefits For AIG
(AutoPlus – Authorised Workshop)

Windscreen Coverage $107 (Inclusive of GST) of excess is payable
Loss Of Use Courtesy Car provided (up to 10 days)
NCD Protector Nil
PA for insured/passengers $50,000 / $10,000
Towing service Free (even for mechanical breakdown)
Medical Reimbursement $300 (insured & passengers)
Waiver of excess Only at authorized workshop (50% NCD – waived off $600 & <50% NCD –waived off $300)
Workshop Only Authorized Workshops, however if new car is still under 3 year warranty from distributor/Agent, AIG allows driver to go back for repair.

* If the car is parallel imported & under 3 yr warranty, then driver needs to go back to authorized workshop.

Excess for young/inexperience driver/unnamed driver An “Elderly, Young and/or Inexperienced Driver Excess” (“EYIDR”) of an additional sum of $3,000 in additional to the original policy excess (i.e $600) applies to an Authorized Driver (named or unnamed) if the Authorized Driver is above the age of 65, below the age of 23 and/or hasless than 2 year’s driving experience.
Installment Plan Yes (Only DBS/POSB/UOB – 6 or 12 month)
Payment Method Cash/Cheque/Credit Card
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Car Insurance Jokes (Part 2 of 2)

August 9th, 2009

These car insurance jokes are actual statements from real claims:
(source http://www.carinsurances.co.uk)

“I collided with a stationary truck coming the other way”

“A truck backed through my windshield into my wife’s face”

“A pedestrian hit me and went under my car”

“In an attempt to kill a fly, I drove into a telephone pole.”

“I had been shopping for plants all day and was on my way home. As I reached an intersection a hedge sprang up obscuring my vision and I did not see the other car.”
“An invisible car came out of nowhere, struck my car and vanished.”

“I thought my window was down, but I found it was up when I put my head through it.”

“The guy was all over the road. I had to swerve a number of times before I hit him.”

“I had been driving for forty years when I fell asleep at the wheel and had an accident.”

“As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before.”

“I told the police that I was not injured, but on removing my hat found that I had a fractured skull.”

“I was sure the old fellow would never make it to the other side of the road when I struck him.”

“The indirect cause of the accident was a little guy in a small car with a big mouth.”

“The telephone pole was approaching. I was attempting to swerve out of the way when I struck the front end.”

“The gentleman behind me struck me on the backside. He then went to rest in a bush with just his rear end showing. ”

“I had been learning to drive with power steering. I turned the wheel to what I thought was enough and found myself in a different direction going the opposite way.”

“When I saw I could not avoid a collision I stepped on the gas and crashed into the other car.”

“The accident happened when the right front door of a car came round the corner without giving a signal.”

“No one was to blame for the accident but it would never have happened if the other driver had been alert.”

“I was unable to stop in time and my car crashed into the other vehicle. The driver and passengers then left immediately for a vacation with injuries.”

“The pedestrian ran for the pavement, but I got him.”

“I saw her look at me twice. She appeared to be making slow progress when we met on impact.”

“The accident occurred when I was attempting to bring my car out of a skid by steering it into the other vehicle.”

Click Here to Return from Car Insurance Jokes (Part 2 of 2) to Motor Insurance Singapore Home

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