Road safety and correct driver behavior

[atrecord]

Jennifer:

That explains it.

Some years ago, MIL drove the family's car to the mkt n kena dent by dunno-who. FIL did not talk to her for a few months hor. The ice was finally broken when FIL fell sick n needed MIL to cook porridge for him n take care of him.

Man ah :spank:

In 2001, we bought a new nissan sunny, and DW was driving it. It came with reverse sensor. One week on, DW reversed, heard the sensor's beep beeping at progressively shorter interval, until finally 'bong' onto a mobile metal trash bin... That was our first new car, one week old...

talk about heart pain.

[atrecord]

a lot of workshops conspired with lawyers and doctors to make hugely inflated claims for minor accidents. There were some reports of such acts and there were a few persons jailed already. I’m not sure they can clamp down on them all though, as i think it is very rampant.

[cmm]

atrecord:

a lot of workshops conspired with lawyers and doctors to make hugely inflated claims for minor accidents. There were some reports of such acts and there were a few persons jailed already. I'm not sure they can clamp down on them all though, as i think it is very rampant.

This is a very common practice for sure... It translates into the inflated premiums we pay for motor insurance :razz:

[concern2]

pirate:

All these insurance nonsense about excess and claiming against my own policy made me think what's the point of taking up comprehensive insurance? I make do with 3rd party, fire and theft and save a bunch on insurance premiums.

Ya boy! DH is considering to stop the renewal of his insurance - since if there is a claim, you end up paying higher premiums - so what is the point, really? Worse, if the other party does not have insurance, and you can't claim against his insurance, he refuses to pay and the amount is too small to file him a legal letter, then what?

[pirate]

cmm:

atrecord:

a lot of workshops conspired with lawyers and doctors to make hugely inflated claims for minor accidents. There were some reports of such acts and there were a few persons jailed already. I'm not sure they can clamp down on them all though, as i think it is very rampant.

This is a very common practice for sure... It translates into the inflated premiums we pay for motor insurance :razz:

What to do when insurance companies are too cheapskate to employ people who actually know how to assess claims?

[pirate]

concern2:

pirate:

All these insurance nonsense about excess and claiming against my own policy made me think what's the point of taking up comprehensive insurance? I make do with 3rd party, fire and theft and save a bunch on insurance premiums.

Ya boy! DH is considering to stop the renewal of his insurance - since if there is a claim, you end up paying higher premiums - so what is the point, really? Worse, if the other party does not have insurance, and you can't claim against his insurance, he refuses to pay and the amount is too small to file him a legal letter, then what?

Not to mention that the car's authorised agent is not even on the list of approved workshops. :razz:

[winchester]

pirate:

Not to mention that the car's authorised agent is not even on the list of approved workshops. :razz:

can send to ad for repair, but pay premium for it.

[Harlequin]

concern2:

pirate:

All these insurance nonsense about excess and claiming against my own policy made me think what's the point of taking up comprehensive insurance? I make do with 3rd party, fire and theft and save a bunch on insurance premiums.

Ya boy! DH is considering to stop the renewal of his insurance - since if there is a claim, you end up paying higher premiums - so what is the point, really? Worse, if the other party does not have insurance, and you can't claim against his insurance, he refuses to pay and the amount is too small to file him a legal letter, then what?

Are we talking about car insurance? :?

Motor insurance is mandatory, not optional.

It's illegal to own a vehicle that's without insurance, the vehicle's owner can't even renew the road tax without a valid insurance coverage.

[Harlequin]

cmm:

atrecord:

a lot of workshops conspired with lawyers and doctors to make hugely inflated claims for minor accidents. There were some reports of such acts and there were a few persons jailed already. I'm not sure they can clamp down on them all though, as i think it is very rampant.

This is a very common practice for sure... It translates into the inflated premiums we pay for motor insurance :razz:

Inflated premium is across the motor insurance industry, affecting all vehicle owners.

What directly affects a driver is when we make a claim or some 3rd party claim against us, we stand to lose all the accumulated NCB :slapshead:

[atrecord]

Harlequin:

concern2:

[quote=\"pirate\"]All these insurance nonsense about excess and claiming against my own policy made me think what's the point of taking up comprehensive insurance? I make do with 3rd party, fire and theft and save a bunch on insurance premiums.

Ya boy! DH is considering to stop the renewal of his insurance - since if there is a claim, you end up paying higher premiums - so what is the point, really? Worse, if the other party does not have insurance, and you can't claim against his insurance, he refuses to pay and the amount is too small to file him a legal letter, then what?

Are we talking about car insurance? :?

Motor insurance is mandatory, not optional.

It's illegal to own a vehicle that's without insurance, the vehicle's owner can't even renew the road tax without a valid insurance coverage.[/quote]Yup. Cannot renew road tax -- means cannot drive -- if do not have car insurance coverage.

There was a case a few years ago when one woman was forced to transfer her car to her son, cos her road tax + insurance was due for renewal, but because she was at fault for 2 major accidents incurring big claims in the year, her insurance company refused to renew her coverage. Since she could not find one insurer willing to insure her, she would have no use for the car under her name. So she paid transfer fee to transfer to her son, who doesn't have bad claim record...