here you get the best and an adequate online coverage information against damage to your vehicle.they provides the cheapest online insurance quote with an immediate cover.
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Car Insurance Comparison
Started by
bouchermar
, Oct 07 2010 06:38 AM, 15 replies to this topic
#2
Posted 07 October 2010 - 02:36 PM
Tourist
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White Lightning
QUOTE (bouchermar @ Oct 7 2010, 06:38 AM) <{POST_SNAPBACK}>
here you get the best and an adequate online coverage information against damage to your vehicle.they provides the cheapest online insurance quote with an immediate cover.
In Malaysia, I thought all car insurance rate are the same regardless of from which insurance company? Got difference?
I prefers to use my head than follow the crowd. After all, it is my money and not theirs.
#3
Posted 07 October 2010 - 09:52 PM
fkmfkm
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White Lightning
QUOTE (Tourist @ Oct 7 2010, 02:36 PM) <{POST_SNAPBACK}>
In Malaysia, I thought all car insurance rate are the same regardless of from which insurance company? Got difference?
Rate is same yes..
#4
Posted 07 October 2010 - 10:44 PM
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White Lightning
QUOTE (fkmfkm @ Oct 7 2010, 09:52 PM) <{POST_SNAPBACK}>
Rate is same yes..
So nothing to compare as far as price is concerned.
I prefers to use my head than follow the crowd. After all, it is my money and not theirs.
#5
Posted 07 October 2010 - 11:15 PM
fkmfkm
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White Lightning
QUOTE (Tourist @ Oct 7 2010, 10:44 PM) <{POST_SNAPBACK}>
So nothing to compare as far as price is concerned.
Rate is same but price can be diff in malaysia.
#6
Posted 08 October 2010 - 12:01 AM
J2EE
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Fast & Furious
QUOTE (fkmfkm @ Oct 7 2010, 11:15 PM) <{POST_SNAPBACK}>
Rate is same but price can be diff in malaysia.
How does that happen ? Price difference ? Sure or not ....... afaik, it's the same.
Gray hairs are signs of wisdom if you hold your tongue, speak and they are but hairs, as in the young - Philo
#7
Posted 08 October 2010 - 08:29 AM
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White Lightning
QUOTE (fkmfkm @ Oct 7 2010, 11:15 PM) <{POST_SNAPBACK}>
Rate is same but price can be diff in malaysia.
Rate are the same. No Claim Bonus rate are also the same. Everything the same.
AFAIK, in Malaysia, final price paid are all the same. Only thing to compare is insurance company claim payment record and reputation.
I prefers to use my head than follow the crowd. After all, it is my money and not theirs.
#8
Posted 08 October 2010 - 08:58 AM
vr2turbo
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QUOTE (Tourist @ Oct 8 2010, 08:29 AM) <{POST_SNAPBACK}>
Rate are the same. No Claim Bonus rate are also the same. Everything the same.
AFAIK, in Malaysia, final price paid are all the same. Only thing to compare is insurance company claim payment record and reputation.
AFAIK, in Malaysia, final price paid are all the same. Only thing to compare is insurance company claim payment record and reputation.
Yup, all the same. Buy direct from Insurance company, can get discount.
Most choose Insurance company that can process claim faster & easier.....
Some take easy way out and let runners do it, so they pay more......
#9
Posted 08 October 2010 - 10:16 AM
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QUOTE (vr2turbo @ Oct 8 2010, 08:58 AM) <{POST_SNAPBACK}>
Yup, all the same. Buy direct from Insurance company, can get discount.
Most choose Insurance company that can process claim faster & easier.....
Some take easy way out and let runners do it, so they pay more......
Most choose Insurance company that can process claim faster & easier.....
Some take easy way out and let runners do it, so they pay more......
It's now obvious the tread starter has no idea of how Malaysian motor insurance system work. He is only referring to overseas situation that's not applicable here.
I prefers to use my head than follow the crowd. After all, it is my money and not theirs.
#10
Posted 08 October 2010 - 11:27 AM
ain206
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The story behind the link does not applicable in malaysia insurance market at all.
Here in malaysia all the basic insurance rate are the same and it is control by PIAM/ Bank Negara. You only pay cheaper premium if you have higher % of No Claim Discount of between 0% - 55% . And additional rebate if you buy direct with the insurance co itself. This is true for vehicle up to 10 years old under comprehensive coverage. 11 year and above, insurance co will impose many kind of loading.
As for T/party coverage forget about it. It is as good as no more in the market unless you are their existing customer. But be prepare to pay for a ridiculously high premium that come close to 50-60% of the comprehensive policy.
What we can do is to chose the best insurance company base on their after sales claim service and also listen to friends who have experience dealing with claims. Dont buy with their advertisement. Some are bullshit. They never walk the talk.
As for accident claim , for vehicle less than 6 years old do send to the franchise centre i.e Proton send to Proton Edar not ABC Wshop. You are certain of a brand new original part if the Franchise is not cheating. Vehicle above 6 years up for you to chose bcos sending to franchise we have to bear the betterment rate of between 15- 40& if i am not mistaken.
Basically that it lah. But bear in mind, insurance claim is to make good our car into pre accident condition and not pre delivery condition when we purchase it new. and motor vehicle insurance premium is non negotiable. Take it or leave our car in the garage.....
That's all folks!
Here in malaysia all the basic insurance rate are the same and it is control by PIAM/ Bank Negara. You only pay cheaper premium if you have higher % of No Claim Discount of between 0% - 55% . And additional rebate if you buy direct with the insurance co itself. This is true for vehicle up to 10 years old under comprehensive coverage. 11 year and above, insurance co will impose many kind of loading.
As for T/party coverage forget about it. It is as good as no more in the market unless you are their existing customer. But be prepare to pay for a ridiculously high premium that come close to 50-60% of the comprehensive policy.
What we can do is to chose the best insurance company base on their after sales claim service and also listen to friends who have experience dealing with claims. Dont buy with their advertisement. Some are bullshit. They never walk the talk.
As for accident claim , for vehicle less than 6 years old do send to the franchise centre i.e Proton send to Proton Edar not ABC Wshop. You are certain of a brand new original part if the Franchise is not cheating. Vehicle above 6 years up for you to chose bcos sending to franchise we have to bear the betterment rate of between 15- 40& if i am not mistaken.
Basically that it lah. But bear in mind, insurance claim is to make good our car into pre accident condition and not pre delivery condition when we purchase it new. and motor vehicle insurance premium is non negotiable. Take it or leave our car in the garage.....
That's all folks!
