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> Will insurance approve the claim?, UBER/GRAB usage for private car

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moodswingfella
post Oct 31 2017, 10:13 AM, updated 3y ago

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I understand that when we buy auto insurace, we are buying an insurance for private car. So will insurance company approve our claim if we are involved in an road accident during buat UBER/GRAB (drive-for-hire)?? hmm.gif
ironmaid89
post Oct 31 2017, 10:19 AM

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QUOTE(moodswingfella @ Oct 31 2017, 10:13 AM)
I understand that when we buy auto insurace, we are buying an insurance for private car. So will insurance company approve our claim if we are involved in an road accident during buat UBER/GRAB (drive-for-hire)??  hmm.gif
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GrabCar drivers told to make personal reports for insurance claims’

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This post has been edited by ironmaid89: Oct 31 2017, 10:21 AM
moodswingfella
post Oct 31 2017, 10:22 AM

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QUOTE(ironmaid89 @ Oct 31 2017, 10:19 AM)
GrabCar drivers told to make personal reports for insurance claims’

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so grab and uber are suggesting to their drivers to make a personal report instead, a.k.a twist the police report eh?

anyway thx for the info.
azbro
post Oct 31 2017, 10:23 AM

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Thats why i only registered 1 car for Grab... Cos if car accident, i'm sure insurance company can get info on the car is registered to grab, even though actually not doing grab
ironmaid89
post Oct 31 2017, 10:25 AM

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QUOTE(moodswingfella @ Oct 31 2017, 10:22 AM)
so grab and uber are suggesting to their drivers to make a personal report instead, a.k.a twist the police report eh?

anyway thx for the info.
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Grab denies ‘no insurance cover’ claim

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nickzkuso
post Oct 31 2017, 10:26 AM

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QUOTE(azbro @ Oct 31 2017, 10:23 AM)
Thats why i only registered 1 car for Grab... Cos if car accident, i'm sure insurance company can get info on the car is registered to grab, even though actually not doing grab
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cannot brain you..
normally ppl just registered 1 car for Grab?
nickzkuso
post Oct 31 2017, 10:27 AM

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QUOTE(moodswingfella @ Oct 31 2017, 10:22 AM)
so grab and uber are suggesting to their drivers to make a personal report instead, a.k.a twist the police report eh?

anyway thx for the info.
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not really twist the report but just mention about the accident and not start your statement with "while i am grab-ing, blabla" icon_idea.gif icon_idea.gif

This post has been edited by nickzkuso: Oct 31 2017, 10:28 AM
moodswingfella
post Oct 31 2017, 10:32 AM

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QUOTE(nickzkuso @ Oct 31 2017, 10:27 AM)
not really twist the report but just mention about the accident and not start your statement with "while i am grab-ing, blabla"  icon_idea.gif  icon_idea.gif
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so just straight to the point tell what happen on the road and suddenly kena hantam...sekian laporan saya. no need to mention anything else laugh.gif
nickzkuso
post Oct 31 2017, 10:33 AM

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QUOTE(moodswingfella @ Oct 31 2017, 10:32 AM)
so just straight to the point tell what happen on the road and suddenly kena hantam...sekian laporan saya. no need to mention anything else  laugh.gif
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keyword: straight to the point
azbro
post Oct 31 2017, 10:37 AM

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QUOTE(nickzkuso @ Oct 31 2017, 10:26 AM)
cannot brain you..
normally ppl just registered 1 car for Grab?
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I got 3 car i wish to register for grab, so if i'm not in my Axia, probably driving HRV, i also can do grab with it.

But i heard if already registered all the cars to grab, got insurance issues even though not driving that particular car when it accident (example wife driving) Or accident with that car personally when not doing grab.
deejay_krish
post Oct 31 2017, 10:39 AM

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U all think insurance companies cannot get info from grab if this car is registered? biggrin.gif
moodswingfella
post Oct 31 2017, 10:49 AM

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QUOTE(deejay_krish @ Oct 31 2017, 10:39 AM)
U all think insurance companies cannot get info from grab if this car is registered? biggrin.gif
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umm then how ler? i tot insurance company will refer to police report only before judging the claim?
deejay_krish
post Oct 31 2017, 10:50 AM

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QUOTE(moodswingfella @ Oct 31 2017, 10:49 AM)
umm then how ler? i tot insurance company will refer to police report only before judging the claim?
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Cause there have been too many cases grab drivers accident then claim insurance as non grab driver. Oh well, u can try ur luck loh. Many lepas also. See ur luck biggrin.gif
nickzkuso
post Oct 31 2017, 10:50 AM

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QUOTE(azbro @ Oct 31 2017, 10:37 AM)
I got 3 car i wish to register for grab, so if i'm not in my Axia, probably driving HRV, i also can do grab with it.

But i heard if already registered all the cars to grab, got insurance issues even  though not driving that particular car when it accident (example wife driving)  Or accident with that car personally when not doing grab.
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ahh, i see...
but if not doing grab then can check your online time if insurance company really want....
TOMEI-R
post Oct 31 2017, 10:53 AM

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A lot of people dont read the terms and conditions when renewing their car insurance. It clearly states that the insured shall not use their own personal cars for hire and commercial purposes.
TOMEI-R
post Oct 31 2017, 10:54 AM

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QUOTE(deejay_krish @ Oct 31 2017, 10:39 AM)
U all think insurance companies cannot get info from grab if this car is registered? biggrin.gif
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I dont think GRAB/ UBER will reveal any particulars of their drivers and their cars to any insurance companies.
tokdukun
post Oct 31 2017, 10:59 AM

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QUOTE(azbro @ Oct 31 2017, 10:37 AM)
I got 3 car i wish to register for grab, so if i'm not in my Axia, probably driving HRV, i also can do grab with it.

But i heard if already registered all the cars to grab, got insurance issues even  though not driving that particular car when it accident (example wife driving)  Or accident with that car personally when not doing grab.
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Does that mean the grab rider will see u drive Axia, but actually u were driving HRV? Grab is ok with that, register axia but drive in other car?
andrewhtf
post Oct 31 2017, 11:00 AM

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QUOTE(TOMEI-R @ Oct 31 2017, 10:53 AM)
A lot of people dont read the terms and conditions when renewing their car insurance. It clearly states that the insured shall not use their own personal cars for hire and commercial purposes.
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This.

u wana do grab/uber, u setup your own enterprise/sdn bhd, register your car under company name and pay commercial vehicle insurance, not private car insurance.

there is a different premium rate for that. u pay private car insurane you cannot expect to be covered for commercial use. this is like paying egg banjo price and then expect ppl to serve you ramlee burger special. pls go dai
soowky
post Oct 31 2017, 11:02 AM

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how la wanna differentiate? let say grabber off grab apps wanna take care hal sendiri, then excident. that time not grab driver kan.
izkon
post Oct 31 2017, 11:07 AM

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QUOTE(soowky @ Oct 31 2017, 11:02 AM)
how la wanna differentiate? let say grabber off grab apps wanna take care hal sendiri, then excident. that time not grab driver kan.
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can argue app was closed/not online during the xcident. Of course insurer will double confirm.

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