can I change from 3rd to 1st party insurance, car over 20 years
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 Jun 18 2024, 11:17 AM, updated 2y ago
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#1
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1,651 posts Joined: Jan 2005 
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I've had an accident previously and my ncd become 0, since rarely use the car, I am thinking of saving money by buying 3rd party for this year and later change to 1st party insurance on the subsequent year. For changing to 1st party again, is it hard to get approval since car > 20 years old.
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Jun 18 2024, 11:21 AM
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#2
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1,651 posts Joined: Jan 2005
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QUOTE(B0ss_ku @ Jun 18 2024, 11:21 AM) Insurance before buy everything can so need to buy 1st party?After buy everything cannot  |
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Jun 18 2024, 11:38 AM
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#3
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QUOTE(mcchin @ Jun 18 2024, 11:22 AM) My old sunny 130y was on 1st party insurance from 1992 till 2015 yes lor, mine also only kurnia accept as 1st party but i am thinking of buying 3rd party to save a bit because my ncd already 0, is it worth it?Then one year my normal insurance agen lady (tanchong) went on holiday Another young boy handle my case He refuse to cover comprehensive.... Last last kena 3rd party, Next year the lady agen ask why get 3rd party...... Now do direct with liberty insurance... Since tc also no accept my old car dee |
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Jun 18 2024, 11:50 AM
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#4
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1,651 posts Joined: Jan 2005
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QUOTE(mcchin @ Jun 18 2024, 11:40 AM) Old car issue is always the parts availability so just go for 3rd party?Paying comprehensive also they won't cover full The loss is high |
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Jun 18 2024, 11:59 AM
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#5
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QUOTE(pureawesomeness @ Jun 18 2024, 11:54 AM) Old junk with no value how much you gonna save between 3rd party and comprehensive? At most 200. difference by rm500 for 3rd party and 1st because loss of NCD |
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Jun 18 2024, 04:10 PM
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#6
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1,651 posts Joined: Jan 2005
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QUOTE(WaCKy-Angel @ Jun 18 2024, 03:02 PM) So ur choice is save RM500 and take the risk if accident again u have to ownself settle ur own car damage. I seldom use the car so I just want to use 3rd party 1st since my ncd now is 0 but will switch to 1st party for the subsequent year, but will they accept the switching, kurnia say they can't guarantee automatically.Or pay extra RM500 and PASS THE RISK to insurer to cover ur ass. That is the purpose of insurance. All about RISK appetite. Ppl cant decide for u "worth or not". Btw what happen why 0 NCD |
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Jun 19 2024, 03:38 PM
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#7
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QUOTE(daisuke @ Jun 19 2024, 09:13 AM) 1st party almost 300, 1st party is a lil more than 100 mine honda idsi 20 years, 1st party rm800++, 3rd 300++, i took 1st party. |
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