Motor Insurance De-tariff - Is it Cheaper?

6UE5t · Oct 4, 2017

lsm1991 said:
i thought that has been the case all these years?

Nicholasng925 said:
It has always been the case, just that now the premium pricing is more risk-based rather than with tariff.

adibkhld said:
I thought this has been applied since ages.

Before this, the insurance only covered for the car. But starting last July, it include car + risk of the driver.

And after asking some of my friends, their insurance tariff increase around 150 to 200 from previous years.

I thought last time was purely based on car market value and age only, no?

vr2turbo · Oct 4, 2017

6UE5t said:
I thought last time was purely based on car market value and age only, no?

Last time, then yes..... :driver:

6UE5t · Oct 4, 2017

vr2turbo said:
Last time, then yes.....

Hence my comment earlier.

vr2turbo · Oct 5, 2017

6UE5t said:
Hence my comment earlier.

Before de-tariff say will be cheaper, then goes up as like most promises........lol :rofl:

^pomen_GTR^ · Oct 13, 2017

yeahhh...damm detariff...

my car is just 12yo...
driver is over 30yo.. (which is over high risk inexperienced tenager clause)

but the car loading increased from 10% last year to 20% this year...

and thats a mutafxxkin perodua myvi 1.0 that nobody wants to steal or less likely to crash coz it wasnt fast enough to begin with...

ixeo · Oct 13, 2017

^pomen_GTR^ said:
yeahhh...damm detariff...

my car is just 12yo...
driver is over 30yo.. (which is over high risk inexperienced tenager clause)

but the car loading increased from 10% last year to 20% this year...

and thats a mutafxxkin perodua myvi 1.0 that nobody wants to steal or less likely to crash coz it wasnt fast enough to begin with...

3rd party insurance?

vr2turbo · Oct 14, 2017

ixeo said:
3rd party insurance?

I think is comprehensive. Mine the same, one Insurance ask to take 3rd party add this and that, the price almost same as comprehensive insurance, so change Insurance company......lol :rofl:

^pomen_GTR^ · Oct 14, 2017

ixeo said:
3rd party insurance?

1st party for this one...

vr2turbo · Oct 14, 2017

^pomen_GTR^ said:
1st party for this one...

Mine after 10 years which I did change insurance company a few times, so loading was sometimes 15%, sometimes 20% but now after 20 years is 20% already..... :banghead:

mag9556 · Oct 17, 2017

vr2turbo said:
Mine after 10 years which I did change insurance company a few times, so loading was sometimes 15%, sometimes 20% but now after 20 years is 20% already.....

Get use to it man... me pay loading for nearly 5 years already from 5% to 30% although the agent is my aunt where she always get the best cover for my Kancil but this year 21 years already and she said not worth since loading is high, asking me to change to 3rd party since sum insured just 8,000 only..

To tell the truth.. no such things in bolehland change something without digging our pocket cheaper.. if got also in dreams..

sanekit · Oct 17, 2017

If we change insurance company, our NCB will be reset to zero?

vr2turbo · Oct 17, 2017

sanekit said:
If we change insurance company, our NCB will be reset to zero?

No claim can transfer...... :driver:

vr2turbo · Oct 17, 2017

mag9556 said:
Get use to it man... me pay loading for nearly 5 years already from 5% to 30% although the agent is my aunt where she always get the best cover for my Kancil but this year 21 years already and she said not worth since loading is high, asking me to change to 3rd party since sum insured just 8,000 only..

To tell the truth.. no such things in bolehland change something without digging our pocket cheaper.. if got also in dreams..

Exactly.....lol

gunnerzz · Oct 18, 2017

I have a 97 Honda ex5 High Power version.
Is it true i cannot buy 1st party insurance for my bike as its above 10 years old?

Thinking of selling the bike if cannot get fisrt party.cannot bear the feeling of it being stolen from me and getting nothing for it.

vr2turbo · Oct 18, 2017

gunnerzz said:
I have a 97 Honda ex5 High Power version.
Is it true i cannot buy 1st party insurance for my bike as its above 10 years old?

Thinking of selling the bike if cannot get fisrt party.cannot bear the feeling of it being stolen from me and getting nothing for it.

Not sure if bike and car insurance the same, you better check with the insurance company.... :driver:

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Motor Insurance De-tariff - Is it Cheaper?

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