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     Insurance premium
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Bluebug
Posted on: 2011/11/2 12:07
Certified Benzitos
Joined: 2008/8/25
From: KL
Posts: 106
Benz Model: C230 AMG
Message:
Insurance premium
Hi guys,

Need some advice. My car insurance just expired & i need to renew but before doing that just need some opinion on how much i should insure it for.

Mercedes C230 (w202)
Year 2000 (make & registered)
Discount - 55%
How much should i insure the windscreen coverage for? Is RM1000 too much or low?

My agent is recommending sum insured RM54,000 + RM1000 windscreen coverage. Total after discount RM916


Thanks.


Mabel
Posted on: 2011/11/2 22:10
Benzo mania
Joined: 2007/8/7
From: Shah Alam, Cyber Jaya, Sunway
Posts: 20052
Benz Model: S320L, E240, C200
Message:
Re: Insurance premium
If I were you I would insured based on market value which is circa 50K.

I just insured my windscreen for RM 500 just to cover some eventual lost if something happen to the windscreen..

So far, touch wood ...never had any problem with the windscreen...yet...


----------------
Cheers/Mabel

Nothing great was ever achieved without enthusiasm
Take time to read. It is the fountain of wisdom
Membership Number: One Nine Seven Seven

19owner
Posted on: 2011/11/2 22:19
Certified Benzitos
Joined: 2008/5/16
From: Kuala Lumpur
Posts: 4847
Benz Model: W201 and Others
Message:
Re: Insurance premium
Quote:

Bluebug wrote:
Hi guys,

Need some advice. My car insurance just expired & i need to renew but before doing that just need some opinion on how much i should insure it for.

Mercedes C230 (w202)
Year 2000 (make & registered)
Discount - 55%
How much should i insure the windscreen coverage for? Is RM1000 too much or low?

My agent is recommending sum insured RM54,000 + RM1000 windscreen coverage. Total after discount RM916


Thanks.




i'm not an insurance agent or broker. i'm a customer.

anyways, from what i know, the amount looks about right...only about rm10.00 higher if it was me getting from my agent.

better to be safe, than being under insured...car parts are expensive.
tfgoh
Posted on: 2011/11/2 23:04
Home away from home
Joined: 2008/4/27
From: Butterworth
Posts: 531
Benz Model: W202 5-speed 1997
Message:
Re: Insurance premium
I was told dat we can buy insurance to cover car electrical & mechanical parts. Any1 can shade some lights?
nra21
Posted on: 2011/11/3 20:39
Home away from home
Joined: 2011/5/18
From: KL
Posts: 256
Benz Model: E300,E200K,300SE
Message:
Re: Insurance premium
From what I know most of insurance company have build in mechanic within their system which will not allow for coverage below market value.

Their reminder to renew will follow your current insured value.

Currently getting my insurance from Etiqa. Since my renewal is early of the year, I ask the agent for coverage slightly below their current publish value (done in July).

Etiqa cover all screen (front, rear and sides) not just the front windscreen.
uncleyam
Posted on: 2011/11/4 0:04
Quite a regular
Joined: 2010/10/26
From: Batu 9, cheras
Posts: 63
Benz Model: C200K W203 2002
Message:
Re: Insurance premium
Word of advise from me.... Windscreen pls cover up to rm1800. Cuz mine baru pecah, claim from insurance rm1.5k. Need to fork out rm300.
Just my two cents.


----------------

clarkson
Posted on: 2011/11/4 10:20
Home away from home
Joined: 2010/7/26
From:
Posts: 239
Benz Model:
Message:
Re: Insurance premium
if u paid cash for your car, dun bother to buy comprehensive, third party will do.....haha, my s350 is running on third party...malaysian pool....accident? no difference, the insurer stipulates an excess clause....so third party is the way to go.....

windscreen? cheaper to get from breaking yard. If your glass doesn't break in 5 years, the money saved can easily buy one from the breaking yard. The ones available locally are made by Malaysian Smelting Glass (MSG)....dheapo, very abrasive prone......some practice in euro are already making the windscrren a wear n tear item....
19owner
Posted on: 2011/11/4 17:41
Certified Benzitos
Joined: 2008/5/16
From: Kuala Lumpur
Posts: 4847
Benz Model: W201 and Others
Message:
Re: Insurance premium
Quote:

clarkson wrote:
if u paid cash for your car, dun bother to buy comprehensive, third party will do.....haha, my s350 is running on third party...malaysian pool....accident? no difference, the insurer stipulates an excess clause....so third party is the way to go.....

windscreen? cheaper to get from breaking yard. If your glass doesn't break in 5 years, the money saved can easily buy one from the breaking yard. The ones available locally are made by Malaysian Smelting Glass (MSG)....dheapo, very abrasive prone......some practice in euro are already making the windscrren a wear n tear item....


i thought we are of the same wave length?? usually, you wouldn't be stingy on this kind of matter but what happened??
Mabel
Posted on: 2011/11/5 1:08
Benzo mania
Joined: 2007/8/7
From: Shah Alam, Cyber Jaya, Sunway
Posts: 20052
Benz Model: S320L, E240, C200
Message:
Re: Insurance premium
Quote:

19owner wrote:
Quote:

clarkson wrote:
if u paid cash for your car, dun bother to buy comprehensive, third party will do.....haha, my s350 is running on third party...malaysian pool....accident? no difference, the insurer stipulates an excess clause....so third party is the way to go.....

windscreen? cheaper to get from breaking yard. If your glass doesn't break in 5 years, the money saved can easily buy one from the breaking yard. The ones available locally are made by Malaysian Smelting Glass (MSG)....dheapo, very abrasive prone......some practice in euro are already making the windscrren a wear n tear item....


i thought we are of the same wave length?? usually, you wouldn't be stingy on this kind of matter but what happened??


I think our friend is being pragmatic...


----------------
Cheers/Mabel

Nothing great was ever achieved without enthusiasm
Take time to read. It is the fountain of wisdom
Membership Number: One Nine Seven Seven

badrulh
Posted on: 2011/11/5 9:08
Penghulu
Joined: 2009/11/3
From: SEBERANG TAKIR KUALA TERENGGANU
Posts: 2175
Benz Model: W124 260E
Message:
Re: Insurance premium
Quote:

Bluebug wrote:
Hi guys,

Need some advice. My car insurance just expired & i need to renew but before doing that just need some opinion on how much i should insure it for.

Mercedes C230 (w202)
Year 2000 (make & registered)
Discount - 55%
How much should i insure the windscreen coverage for? Is RM1000 too much or low?

My agent is recommending sum insured RM54,000 + RM1000 windscreen coverage. Total after discount RM916


Thanks.



Bluebug,
apart form windshield,try asking for flood and tree fall coverage too..or aka nature disaster..i heard that coverage can be include at different charge..
ps:nowadays after a few hour inside shopping mall,dont be surprised to see your car became submarine at basement car park..


----------------
make peace not war
membership number:five 1 five 1

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