I have AXA (3rd party) , excellent towing service, tow a few times a year due to old car. All paid by AXA, wonder what is your issues .....

I would recommend AXA due to free towing and 3rd party coverage.

So those insurance renewal online is Kurnia only plus 10% discount also at branch office.
Etika also 10% discount at branch but online renewal, free towing ?

This post has been edited by magika: Dec 9 2015, 05:03 PM

reason on acquiring floor limit is for very old car, more than 15 yrs. anyway, does 3rd party insurance, cover towing for own car in case of accident? or everything is about 3rd party only?

do u mean AXA Affin General Insurance?

where to apply? pos office?

http://www.pos.com.my/post-offices/financi...ices/?insurance

Include towing.... 7.50/year only.

Not all company give free towing, some say 24 hours hotline, but not free towing. AXA provides 3rd party but free towing included.

Insurance agencies should have it. My insurance agency says its the cheapest and no need PA.
I recently cancelled the insurance as i have sold of the old car and the refund process takes more than a month.

Unlimited distance ? Which company ? Have 10 % discount, online renewal ?

i thought of walk-in to pos office to renew with AXA 3rd party.

btw, do u know what documents they will need?

this website gives brief info on car insurance comparison:

https://www.imoney.my/car-insurance

is the free towing service provided by insurance company, limited to per trip? or can max up the number of KM defined regardless of how many trips?

there was a scenario where my friend car involved in an accident in the midnight, and the car needed to be towed to police station for report and photo-shoot, but the police camera-man was not around (went out for case), so no choice the car needed to be towed back to workshop and have to come back again another day for police camera-man to take photo.

the workshop person in charge mentioned, only 1 trip included, more than that they charged. my friend paid additional rm100 to the workshop for the 2nd tow service.

FYI, the insurance company was AIG, applied from MyEG.

Err, I didn't say I had any issues with AXA, only that I prefer Allianz.

Etiqa only can tow 1 time per incident. Either tow to home or to workshop. Getting their customer service on phone is difficult and their service is slow. They also have very high market value on the cars compared to some other insurers. Very high and unreasonable. If you choose lower amount, they will consider you as self-insured and will only honour partial claim.

Allianz uses agreed value, which is a great thing.

Only need geran will do. In case of Kurnia branch renewal , need photocopy of IC.

AXA, Kurnia free towing limited distance around 50km not included toll charges. If pay extra insurance charges, for towing I believe around 600km roundtrip. So far, tried towing 3 or 4 times per year still no problem. Kurnia, once I tow back home during night. Next day request tow to workshop still free.

Accident towing, this one a bit complicated. Why need pay workshop for additional towing ? If involved in accident, call insurance company to request for towing, usually tow truck wil be around, can request insurance company to allow the onsite tow truck service. Usually before allowing towing at accident site, make sure negotiate every details with tow truck before allowing towing. In one case, I refused the onsite tow truck services. In another case, I was practically threatened by the onsite police officers to allow the onsite tow truck to tow. One must know ones right in all scenarios. In my case I told the police that if they want, they can tow but I am not paying.

AIG only covers one trip. Additional towing need to pay directly to towing company

Post office, remind me of an incident a few years back. I told my son to renew at a local post office, Twice he went, and post office esay system offline. I went personally, and was also told system offline. I demanded to know why no notices has been displayed of system offline as I queued for half an hour. Then was told because of too many customers, they decided not to do insurance renewal. I say no problem, I insist and say will put in my application and come back later in the afternoon to collect. Faced with such a customer they reluctantly agreed. So I wnet back to my office, before I reached it, their staff discussed among themselves and decided to be little Napoleons, they call me and refused to renew my insurance. Simple matter to me , as I called their HQ and lodged an official complaint. A few minutes later, their officers at their local HQ called me and will attend to me personally at my office. Later I went back to collect, and the staff was stone faced all around.

Allianz claims are very fast as they don't need physical inspection by their adjuster. Did a claim with them on my daughter's car and was impressed. Pity no 10% discount at branch for renewal.

For me I wont pay, as not my problem. All insurance company clause stated 1 trip only. For that particular accident case, its not your problem as the tow truck should tow and leave it at the police station and then after all procces has been completed , tow it to your workshop.

Here I would like to info a bit, do not allow the tow trucks to dealt with two parties of the accident. 99% of the time , they will claim own damages so will lose NCB. If at fault then no problem.

There's no such thing as "free". Let's get this right.

Whatever offered such as a 50km towing is a value-added benefit, and frankly 50km is hardly any distance to boast about. Seriously. It is included for consumers to think about towing, and include more towing distance. Service providers are actually already charging the insurance companies a much cheaper rate in exchange for business volume.

Let's be real. In an unfortunate situation, the amount of time & expenses on you is way more than the 10% discount you apparently "saved".

i think, policeman will not allow the car parked there overnight, right? the tow-man mentioned they will not be responsible on the car if it is not tow back to the workshop.

u see, most of this ppls are some kind of rude ppls (sorry i don't mean all of them, u know i know we know), normally can't talk nicely with them and usually will feel threaten also.

Usually upon renewing/purchasing your car insurance, you should be receiving a car sticker (transparent road tax protector film) with some info behind it for the driver/passenger to see such as a roadside assistance hotline.

Any towing service or roadside assistance is all through that hotline.
Any other tow truck that magically appears in a matter of minutes/seconds, we call them scavengers. Don't entertain them. Wait for your service provider to arrive.

In an accident involving another vehicle or loss/theft, please call the agent to help you taichi with the police report.
We practice every day.

even the tow service assigned by insurance company, also some kind of ppl.

again, i don't mean all of them. i personally experienced also, maybe i was bad luck to receive such service, and i didn't lodge a complain to insurance company too.

Agreed, I use etiqa/motor takaful from maybank. 10% off and they also payback to you. I only wish there can provide 12 month interest free.

how cheap is 3rd party insurance compare with comprehensive one?

50% cheaper?