i'm getting my new car soon.. car dealer told me to get uni asia, which i'm not exactly sure how well it fairs.

another insurance agent suggested tokio marine.

i've used lonpac, with free e-assist, like aam sorta service.

what have you used and is the best thus faR?

@wheimeng,
If i recall proper, UniAsia does have breakdown services available. I was with UniAsia before and had no problems with their service - not like i called them a lot; but shifted my plans to Aviva as my insurance agent is attached to Aviva for car insurances.

She resolves all insurance matters for me, and if i need anything she's just a call away The one and only time my windscreen broke, she processed the claims and sent me a cheque for it. Ah well, she's just super efficient.

For me, I think it's really the service u get

yea . . . i heard aviva was taken over by mitsui sumitomo
but their service is good
agree with tinkerbel

As long as it's not Kurnia than I think it should be fine.
Not even panel workshops like kurnia's claim.

tinkerbel, what's her contact? probably i can buy from her.

i was thinking of continuing with lonpac because my car loan is from pbb and you can renew your road tax and pay for insurance @ pbb branch.

save time.. but.. or does Aviva do that as well? haha

@wheimeng,
I don't know if Aviva does all that but this lady resolves everything for me from renewing of car insurance to getting my road tax. As she's my family agent, she would also go ahead and make the premium payments for me and i'll reimburse her later *grins*

All I need to do is to stick the road tax up on my windscreen ! *grins*

Have PM-ed her number to u!

brother boon, is Kurnia insurans that bad?
i heard many ppl saying the same also . . .
but they are the largest in Malaysia for vehicle insurans if not mistaken

@Colaboy,
Largest doesn't mean it's offering the best available service.

AmAssurance should be the largest one. All new perodua cars come with AmAssurance.

sis tinkerbel, please forgive me
but normally the largest in anything offer the best price / service to thier customer
like Carefour/Tesco/Wall-Mart, donnu if its applicable here or not

if fact sometimes it's not the company not efficient, the lvl of service the agent are providing is important as well

uhhh i beg to differ.. i would prolly believe the 'largest' has best service in any free market, in malaysia? i doubt so. is maybank service satisfying? i've used mbb, pbb hsbc and thus far pbb and hsbc give the best service or at least efficiency.

some niche players they have to do better in service in order to grow while some big players, they goyang kaki yet people flowing into them. that's how unfair msia is.

@Colaboy,
Er... well, Proton has the highest number of car sales p/month. Does that equate to good service from Proton? I think not!

Also, I've had to endure ridiculous service from Maybank in the past; and now rather do my banking with the automated teller machine

haha, well, that's why there's a thread on boycotting mbb.

'time to change..'

sounds familiar eh... DIGI

@wheimeng,
I'm a frequent user of M2U and it does what i need it to do. I find it troublesome to have to close and re-open the account somewhere else so will probably stick with Maybank. It also has ATM machines everywhere which i find important

Also, I use Maybank to dispense off monthly payments - my savings are with PBB.

It's the largest no doubt but had a very bad name tagged to it too.
It was also once out in the media whereby even panel workshops are boycotting them.

Ask any workshop around and see what's their advise on car insurance. Most would tell you to avoid Kurnia.
It's because the claim system by Kurnia is a hassle, so a lot of workshops are reluctant to do it. The stowing of claims and all would eventually put a set back to the workshop in buying parts and repairs. And the ripple effect would be felt by us the accident victim.

So this was advised by my friends who apparently works as a "call men" or insurance agent. If you were involved in an accident and the guilty party is insured by Kurnia, it's advisable to claim own insurance for repair first than instruct the insurer to claim from Kurnia. There's a term for that which I forgot.

Summary, to know which insurer is the best; go to the workshop where most likely you would send the car there in case of an accident and ask their recommendation. As ultimately, they're the one going to help you proceed with the claims and fix your car.

Best is if ur buying a brand new car; to check with the service centre if it's on any insurance panel; that way should anything happen to ur beloved, u can just take it back to them and not worry about imitation parts

http://forum.lowyat.net/index.php?showtopic=521598&hl=

1st party, any company but Kurnia.
3rd party, must buy Kurnia.

Reason being, give more headache to the other party who wants to claim your insurance.

you guys seems to forget 1 of the main player of Motor Insurance providers in the market, Allianz....

KURNIA insurance is the WORST! Don't ever take it no matter how cheap the premium is. A mechanic told me that most tow trucks wouldnt take your vehicle if ur insurance provider is Kurnia. And also i had an experience with them months back, my claim took 2 months to complete and becoz of the adjuster, my vehicle was only completely repaired after 3 months. Wth kind of service is that man!

i am an agent for Kurnia for many years and so far there are no complaint from my customer. i dunno y outside there got many ppl complaint about kurnia. ?? is actually depend on how the agent help the customer to follow up the claim and the documentation submitted to the company are completed and know who are the person in charge of their claim. each branch of kurnia has dedicated a person to do all the motor claim and just look for the right person. the problem solve for me everytime i make a claim. for those agent who know how to earn commision only, so they will said kurnia no good..coz they need to follow up. i am only doing for kurnia and berjaya sompo. kurnia doing RM2million per annum.

Don't complain too much, until you try out MAA!!! Their CS is excellently... hopeless.

can you share some real life cases u have had the chance to handle n how long the process? like ummm..... if our vehicle is stolen, accident claims....

i don't know but i seem to hear a lot of bad publicity about kurnia myself. i've never used them b4 but when their names start appearing here n there for all the wrong reasons i'd rather not take any chances. probably no one will for that matter besides i stumbled across this mayonaise sauce..... http://biz.thestar.com.my/news/story.asp?f...36&sec=business

i've used lonpac previously n i think their process quite fast or at least reasonable as i've been informed by friends n forumers.

claim for car stolen took approx 3 mths to settle. they made 2nd offer on the 2nd mth but i protested n appealed. subsequent offer was much more reasonable n cheque already paid.

agreed!!!!

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Added on October 16, 2008, 4:15 pm

agreed!!!

KURNIA, bad one. My iswara had an accident back in 1998 and it took 3 months to get back my car. Workshop-> Kurnia -> Workshop-> Kurnia 2x weekly for the 3 month period. And to make it even worse, the parts were all LOKAL not proton genuine and the so-called panel workshop claimed from KURNIA for price of genuine parts!!! I swore never to have anything to do with KURNIA ever again!

tokyo marine bought over by AM assurance rite? i had an accident but my car and the CS was excellent...got my car back in 3 weeks

oh... my new car comes with Kurnia... if really that bad i'll change next year.

Best is to use people that you know in general insurance (not life insurance) - especially claims dept. e.g. friends/relatives.

It is easier to get:
1) extra discount
2) Faster windscreen claim & processing - you mention the claims dept people name, the approved workshop people will know them. Ask claims dept to call up the workshop and talk nicely, they'll finish the work faster Of course the relationship between claims & workshop must be good.
3) Can get advise if have any questions (excess, loading, coverage, amendments, etc.)

best to go for foreign based insurance especially the japanese ones - e.g. tokio marine, mitsui sumitomo - got myself in an accident - the other party's fault and they paid for my fixtures first and they handled the claim of the other vehicle's insurer.

I heard UNIASIA is not bad too..

mine is allianz!!!

any comment for allianz ??

Thats true. Mitsui and Aviva merge and now known as MSIG.

If workshop claim (and got money) from insurance company for genuine part and give you lousy part instead, the fault is with the workshop. It has nothing to do with the insurance company.

No.. The main culprit is the insurance company. If the car is older than 5 years, there is a clause that insurance company wont pay the price of original parts. So the workshop can only use non genuine parts for accident car.

Kurnia is infamous for paying peanuts to workshop. So a lot of workshop spread kurnia bad news to public, maybe they wanna influence the car owners to change to other insurance company IMHO.

Let me get this right.....

Workshop claim for genuine part and insurance company paid them genuine part price, the blame is on the insurance company? I thought it was the workshop pocketing the difference in money?



What you claim about 5 years old car is another matter and is justified. For example, you pay RM2000 insurance premium for a brand new car worth RM100K (all the parts are new including the headlight worth RM1000.)

5 years later, you pay RM1000 insurance premium on that car that only worth RM50K (and of course, that 5 yrs old headlight is now only worth RM500). Now your car headlight was damaged in an accident. How can you expect the insurance company to buy a brand new headlight worth RM1000 when you only insured it for RM500?

i am marketing from the insurance company
for theft case normally need 3 moths for inspection of the insurance company
another 3 months for the police to close the case
so normally it take 6 months
but sometimes if the insured is powerful , eg they are lawyer or close to police, just need to close case within few weeks or can be even 1 day
then only the insurance company can process.

1 thing -
don't simply criticize any company if you know nothing about this industry
or simply listen to what workshop say

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Added on November 12, 2008, 9:54 pm

Am takeover MAA
and tokyo marine take over Pangobal
for your info

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Added on November 12, 2008, 9:58 pm

for your infor now they are controling the quality of workshops and agents
so, soon there will be less workshop bad mounting workshop

and i know some of the worshop only want to tow car from Kurnia
you know why? because of the high flexibility of underwriting

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Added on November 12, 2008, 10:00 pm

anyway i suggest you take Allianz(free tow service for 150km, classic for comprehensive cover), BHI(less complaint from insured)

every insurance company is good..they all are governt by bank negara..so no one can simply do "dirty" thing..is just the workshop who spreads the rumours. as i said, if you found any hanky panky, complaint to financial bereau..simple as that..haha

heard that K**N*A has their own adjuster.. from whut i've heard among long kai frenz.. and the worse part.. they wont declare a total lost car unless it's stolen.. experienced by a fren.. which his all car floor and chasis need to rebuild still they wont declare it as total lost.. just wanna ask.. no offence..

so technically how's the claiming process works?

May be worth a shot.

Accept the insurance company's decision to rebuilt the car floor and chassis etc. No point arguing with them. But write an official letter to them asking them to certify car is road worthy and no worst than other car in crash etc and c.c. that letter to your life insurance companies. Keep all documentation proof plus photos and inform them so.

It's an indirect way of telling them that, should anything happen to you while in a crash, your life insurance companies will come after them and they got bigger canons. That is called 'leverage'. You are small fly in eye of your motor insurance company. Likewise, they are small fly in eye of BIG life insurance company and if you insure your life with more than 1 life company, that's when the fun really flies when things become nasty in court.

what about MSIG?

mitsui sumitomo

my car also from Mitsui... however, i heard Tokio Marine currently is one of the best