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#81
jflcorp

Posted 20 October 2011 - 10:22 AM

jflcorp

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QUOTE (mosh @ Oct 20 2011, 12:43 PM) <{POST_SNAPBACK}>
hey bro.. its ok..

i think insurance is something that we cannot run off when we are buying a car.. it just that we don't have to be forced to buying to a certain company as there is some other insurance company that offers competitive package interm of better customer service, fast services, extensive coverage as well as the standard compensation on accident and life.


Yes, I agree we cannot run off from insurance, in fact insurance is a good tool to protect your loved ones from financial burden if the unexpected happenned!

What I couldn't swallow is why nowadays, banks, insurance companies seem to come up with some sort of cartel like business whereby you take loan for the car, they force you to buy term insurance. Or you buy insurance for you bike/car, they force you to take PA..... The process of selling must have proposalby the seller, evaluation by the buyer and if all in agreement, then only we make the purchase, not you buy this must also buy that?

(Imagine, you want to buy durians but for each kilo durian you must half kilo sukun, crazy or not?)

Anyway they issue resolved, Now I know. i can refuse to buy their so called bundled insurance if I want to.



#82
ntc2000

Posted 20 October 2011 - 02:09 PM

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QUOTE (scenic @ Oct 20 2011, 10:08 AM) <{POST_SNAPBACK}>
Sure bor, Bro ntc ? I am having neckache edy. smile_blush.gif



i waiting since may 2011 alr... my booking resit is 25/5/2011, my neck almost break off alr... 059.gif



#83
ntc2000

Posted 20 October 2011 - 02:15 PM

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QUOTE (jflcorp @ Oct 20 2011, 10:22 AM) <{POST_SNAPBACK}>
Yes, I agree we cannot run off from insurance, in fact insurance is a good tool to protect your loved ones from financial burden if the unexpected happenned!

What I couldn't swallow is why nowadays, banks, insurance companies seem to come up with some sort of cartel like business whereby you take loan for the car, they force you to buy term insurance. Or you buy insurance for you bike/car, they force you to take PA..... The process of selling must have proposalby the seller, evaluation by the buyer and if all in agreement, then only we make the purchase, not you buy this must also buy that?

(Imagine, you want to buy durians but for each kilo durian you must half kilo sukun, crazy or not?)

Anyway they issue resolved, Now I know. i can refuse to buy their so called bundled insurance if I want to.



yup, u can refuse and choose another insurance company... Most of the sales person will force u buy it coz want to earn more commission. Mortgage, hire purchase, PA all same.... always ask u to upgrade this and that...

anyway, great to see u solve ur issue. smile_thumbup.gif smile_thumbup.gif smile.gif



#84
Gunnerzz

Posted 21 October 2011 - 06:24 PM

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QUOTE (ntc2000 @ Oct 20 2011, 02:15 PM) <{POST_SNAPBACK}>
yup, u can refuse and choose another insurance company... Most of the sales person will force u buy it coz want to earn more commission. Mortgage, hire purchase, PA all same.... always ask u to upgrade this and that...

anyway, great to see u solve ur issue. smile_thumbup.gif smile_thumbup.gif smile.gif

The thing is nowadays, every company are pushing their personnel to generate more and more income. Thus some irresponsible salesperson will took advantage whenever they can.
Bad thing is, it makes sincere salesperson suffer and look bad.

Agreed with bro NTC, just be very careful with housing loan package nowadays.
U may get lower rate than other FI but mind u the total package is very2 tricky and u will suffer in the long run.
There is one FI right now offering rate which is impossible for me to offer...hmmm must be something hidden in their package right?