ALG

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ALG last won the day on November 5 2013

ALG had the most liked content!

About ALG

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    Member

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  • Gender
    Male

Car Information

  • Car Make
    Jaguar
  • Car Model
    XF 2.2D
  1. Hi BigHeadlights, Motor insurance really depends on what the individual is looking for. Most people are very particular about premium, they would want the lowest possible premium and willing to forego all other benefits or services. Some are concern about the perks that various insurance companies provide. and there are a few others who are more concern about the ease of the transactions and as long as the premium is competitive, it doesn't exactly have to be the cheapest in the market. Few factors that you should be concern about other than premium : - Excess amount - Can you repair your vehicle at your preferred workshop - Do you need perks like "loss of use" "key replacement" etc - Is there a number for you to call or someone who can advise you when you are involved in an accident (at any time of the day) Which insurer is not really important, as most of them are reputable, but do try to avoid dealing direct with the insurance company. You may contact me at 9743 5966 if you'd like to find out more - Luke
  2. Hi Bodoh, Sorry for the late response. Wearnes deals with Liberty and AIG. Both are reputable insurers and so it isn't really that difficult to reinstate your NCD especially if liability for the accident is straightforward. Wearnes should be able to easily settle the NCD reinstatement on your behalf if they choose to, anyway it is their job to do it since they are your representing intermediary. If your vehicle is only 2 months old, it is best to repair at Wearnes. Otherwise, in the next 3 years, any fault in your car they may decline to be responsible for the parts replacement. For your claims, 1st, we need to determine whether who's really at fault. If the 3rd party rear-ended your vehicle, and you are not in the midst of changing lane, entering a junction, or you weren't reversing, then liability should be quite straightforward. It is okay to proceed to claim against your own insurer for your damages including the loss of use (courtesy car), because insurer will, in turn , claim against the 3rd party's insurer. You only seek legal counsel if you want to make an injury claim. Wearnes and the insurance company will always give you the textbook advise because they cannot give you any firm reply until they perform the proper investigation. Unlike outside workshops that usually have some arrangements with the expert claim lawyers for Kopi $$$, Wearnes and most major authorised dealers do no such thing. They only repair and handle the repair claims for you. Anyway you have 9-10 more months before you need to renew your insurance, more than enough time to settle the claims and to reinstate your NCD. I don't see why you cant proceed to repair your vehicle first. It is more heart pain to drive around a damage car and more inconvenient to not have a replacement car than to reinstate your NCD. At least you will be driving your nice car to reinstate. If you need further reassurance, you may what to furnish me more details about your accident + photos. You can post here or contact me at 8333 9397 Good Luck! Luke
  3. Let us source for you the best possible insurance premium for your vehicle. I didn't say cheapest, I say best! Because if you want the cheapest, you wouldn't have bought a Jaguar! Why should you let me represent you? 1. I am like your personal insurance Concierge. There's no easier person to reach than me. Whether by SMS, Whatsapp, Email or Calls, I respond to your enquiries before your phone can go back to sleep. Whether its at night, in the middle of the night, weekends or public holidays, I am always at your service. Try that with other motor insurance agencies... 2. I am an immediate support when you get into a car accident. I will tell you what to do, how to react, what pictures to take, how to private settle and what NOT to do in a car accident. 3. I am on your side, I don't represent the insurance company, I represent you! 4. Most insurance agents specializes in Life Insurance and do General Insurance (Motor) on the side. I specialize in General Insurance and its my primary business! If you want professional Wealth Planning Services, you may look for Mike or Lawrence. 5. Other than Motor Accident claims, I can advise you on Hospital & Accidental medical claims. Don't waste time with online quotes, however cheap they claim their premium is... these companies want you to liaise directly with them so they can find ways to short-change you! Just email the following information to luke@algplanners.com Vehicle owner details : - Full Name : - NRIC : - Date of Birth : - Gender : - Marital Status : - Occupation : - Driving License Pass Date : (found at the back of your Singapore Driver's License) - Vehicle No : - Renewal NCD : - Past 3 years claims info : - Contact No : A Copy of Your Renewal Notice For more details, you may also reach me at 8333 9397
  4. Other than the special Motor Insurance Package we are able to provide for Jaguar Club SG members, ALG specializes in the following General Insurance Products : - Fire & Property All Risk Cover - Work Injury Compensation - Public Liability, Product Liability - Contractor's All Risk - Commercial And Private Motor - Group Health Insurance : Term Life, Personal Accident, Hospital & Surgical, Outpatient Benefits - Marine Cargo, Marine Hull, Pleasure Crafts - Money, Burglary, Fidelity - Professional Liability ******************************************************************************* ALG primarily represents the following insurers : - QBE Insurance (International) Ltd - Tokio Marine Insurance Singapore Ltd - AIG Asia Pacific Insurance Pte. Ltd My team members are also able to source for quotations from : - Aviva Ltd - Etiqa Insurance Pte Ltd - MSIG Insurance Singapore Pte Ltd - AXA Insurance Singapore Pte Ltd - EQ Insurance Company Ltd - Liberty Insurance Pte Ltd - Royal & Sun Alliance Insurance PLC ******************************************************************************* Feel Free to contact Luke Ng for any further enquiries at 8333 9397 or luke@algplanners.com at any time, any day.
  5. There are 2 baselines, 50% & 20% NCD. ****** No NCD protector 50% - accident - drop to 20% - accident - drop to 0% 40% - accident - drop to 10% - accident - drop to 0% 0% to 30% - accident - drop to 0% With NCD Protector 50% - accident - 50% (NCD Protector) - accident - drop to 20% -accident - drop to 0% With Tenet NCD protector 40% - accident - 40% (NCD Protector) - accident - drop to 10% -accident - drop to 0% 30% - accident - 30% (NCD Protector) - accident - drop to 0% ****** As I have mentioned in the above post, you have to maintain your insurance with the current insurer in order to maintain your NCD. Your NCD is no longer transferrable. This puts you at their mercy when it comes to loading.
  6. Sorry for not addressing this earlier as was pretty busy with work and personal stuff lately. Most motor insurance has 2 options, a plan that allows you to go to Authorized Workshops only, or Any Workshop in Singapore. Of course, most people select their insurance plans according to price, so they just go for Authorized Workshops plans. Not many workshops are able to handle the newer range Jaguars, so it might be a little risky if we're faced with claims if we chose the cheaper Authorized Workshop plans. I'm guilty of that too. I'm insured with Etiqa Insurance and paying $1,800 with 30% NCD. Unless the insurers have a pool of Jaguars to insure, most will prefer not to insure our cars, so they either quote really high or decline. Points to note, if you meet with an accident and its clearly not your fault, you can go to any workshop since you will be claiming against 3rd party. You only need to go to Authorized Workshops if you are claiming own damage against your own insurance and that includes windscreen. **** On NCD Protector, most insurers should already have this option for you to include when you are carrying 50%. Once there is a claim, your 50% NCD will drop to 20%, and normally it takes another 3 renewals before it goes back to 50%. This is where your 'protected' NCD is kicked in. But do note that this NCD Protector comes with a very specific condition... you have to renew with the same insurer for the next 3 years if you want to keep your 50% NCD. Even when you change car, if you want to keep your 'protected' 50% NCD, you have to use the same insurer. If not, you have to settle for your actual NCD with another insurer. Actual NCD - 20% + no of renewal years Do also note that, doesn't mean that you can keep your NCD, means your premiums will not be increased due to loading. Insurers can still double or triple your premiums and give you 50% NCD. **** Most of us may have already noticed that Wearnes has a department that deals with insurance. They represent both AIG & Liberty. My preferred choice is always AIG given the no of claims I have handled for my clients. And AIG don't really load your renewal premiums much when you are faced with huge amount of claims. Their plans are specifically designed by the insurers to repair your vehicles at Wearnes ONLY. Which I believe is good enough. The plans aren't exactly the cheapest you can find in the market, but it dishes out some freebies and vouchers which may help with your decision. Although I'm in the Insurance trade, I may insure through Wearnes in my coming renewal if I'm not paying a lot more. I was quoted $800 more last year (inclusive of my commission), so I stuck with my existing insurer, Etiqa. The Wearnes package is rather attractive. If you want to compare premiums, compare it with a plan that allows you to visit ANY WORKSHOP rather than the Authorized one only. **** Basic premiums for Jaguar XF is usually about $2,200 to $2,500 (before any NCD). For drivers both male and female, between 30 and 60, no history of claims for the past 3 years, more than 3 years driving experience. Indoor occupation.
  7. Amac alWAYs show us the WAY to start our day right!
  8. So is it the Grille or the No plate? Or are you towing a caravan with a "first motor' decal? What is it?
  9. Bo pian. I stay in city, so mostly city driving. And when I reach expressway, my feet becomes heavy... Wah Chiaster, 1 tank 854km with 20" rims some more.... I never clock this mileage before, not even with my old 18".
  10. Wah Nice! Idea leh!! I find Swarovski crystals to try!
  11. 762km? on one tank of petrol? Sure or not? I can't even achieve that on one tank of diesel.... if driving in Singapore.
  12. This is not good news. Not too many, please...