Insurance | Motor Insurance Singapore

AXA Insurance – Summary of Main Benefits (Authorized Workshops)

Friday, August 6th, 2010

AXA Insurance – Summary of Main Benefits (Authorized Workshops)

Windscreen Coverage	$0 Excess & Free Reinstatement (unlimited)
Loss Of Use	$50 per day, provided that repair takes 3 days & above (max $250)
NCD Protector	10% of premium – only applicable for 50% NCD holders
PA for insured / passengers	$30,000 / $20,000
Towing Service	Free
Waiver of Excess	For 50% NCD – basic excess waived; For NCD 40% & below –Excess waived off by 50%. (applies for insured & authorized driver)
Workshop	Authorized Workshops Only
Excess for Young / Inexperienced Driver / Unnamed driver	Unnamed driver – additional excess of $500 + policy excess, for > 26 years old & > 1 year driving experience. Unnamed young & Inexperienced driver excess – $2,500. Named young & Inexperience Drivers Excess – Additional Excess of $500 for 26 years old & below and/or with driving exp < 1 year
Installment Plan	Yes (DBS/POSB/OCBC/UOB – 6 or 12 month installment)
Payment Method	Cash/Cheque/Credit Card

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EQ Insurance (Classic) – Summary of Main Benefits (Authorized Workshops)

Friday, August 6th, 2010

EQ Insurance (Classic) – Summary of Main Benefits (Authorized Workshops)

Windscreen Coverage	$100 + 7% GST of Excess is payable. Free Reinstatement (max 2 claims)
Loss Of Use	Nil
NCD Protector	Only 50% NCD holder is eligible. 10% premium payable.
PA for insured / passengers	$50,000
Towing Service	Free – for accident only, up to $500
Waiver of Excess	Nil
Workshop	Authorized Workshops Only
Excess for Young / Inexperienced Driver / Unnamed driver	Unnamed driver – twice the policy excess of insured (e.g Insured – $750, unnamed driver – $1,500), > 26 years old or < 70 years old, > 2 years driving exp. Young/elderly/inexperience driver – an additional $3,000 + unnamed driver excess (e.g $3,000 + $1,200)< 26 years old or > 70 years old, < 2 years driving exp.
Installment Plan	Citibank (6 or 12 months)
Payment Method	Cash/Cheque/Credit Card

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Liberty Insurance – Summary of Main Benefits (Authorized Workshops)

Friday, August 6th, 2010

Liberty Insurance – Summary of Main Benefits (Authorized Workshops)

Windscreen Coverage	$100 + 7% GST Excess is applicable & Free Reinstatement
Loss Of Use	Courtesy car provided (for up to 5 days)
NCD Protector	10% premium is payable
PA for insured / passengers	$50,000
Towing Service	Free – for accident
Waiver of Excess	Nil
Workshop	Authorized Workshops Only
Excess for Young / Inexperienced Driver / Unnamed driver	$3,000 – Additional Excess for Young, Elderly & Inexperienced Drivers. $1,100 – Unnamed Drivers
Installment Plan	No
Payment Method	Cash/Cheque/Credit Card

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How to Get Rid Of Tailgaters

Friday, August 7th, 2009

Before we go into how to get rid of those tailgaters, let’s look at why it’s dangerous to tailgate. This is a mini-lesson in case some who tailgated you are also reading this. =)

1. Following too closely results in almost all of those multi-vehicle collisions on the highway;
2. Tailgating-related accidents are not minor in terms of injuries and fatalities;
3. Following too closely restricts your vision. Your reaction will be slower if something happens ahead;
4. Yes…if you’re closer than the “two-second” rule suggests, you’re too close…oh, that means you’re tailgating!

Those tailgaters are gone? …whew! Let’s get on to the real stuff.

Tip #1: Add their following distance to yours. (Now the 2-second rule becomes the 4-second rule.) That means you can gradually stop in case anything happens in front of you. Most of the time, the tailgater will simply get pissed off and overtake you or move to another lane.

Tip #2: Slow down below the normal traffic speed. Again, these guys will simply get impatient and overtake you or switch lane. Just that now it becomes easier for them to do so since you’re slightly slower than the usual flow of traffic.

While you may feel intimidated or even angry that you’re being tailgated, tapping your brakes to “send a signal” or slamming your brakes doesn’t solve the problem. In fact you may even become a victim of road rage. Simply follow the 2 points above and keep your cool. At least you can laugh at those tailgaters while they’re fuming because of something as trivial as slow-moving traffic.

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Spark Plugs Need Changing Too

Thursday, August 6th, 2009

Spark plugs are now timed with on-board computers. This has eliminated the need for regular tune-ups…but you still need to change your spark plugs regularly. Most manufacturers recommend changing spark plugs every 48,000 or 64,000 km to ensure good fuel mileage and engine performance.

You’re in luck if your car can be fitted with long-life plugs (double platinum plugs) that can last for 160,000 km. Otherwise, it’s recommended to make the switch after 48,000 km. Spark plugs aren’t expensive. But the extra pick up can give you the satisfaction you’re deprived of while firing off with old, dirty spark plugs.

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