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[Guest arshavin]

Haha. Ya. When their underwriter reply my enquiry, he told me AVIVA only accept the original stock car from C&C

Once the car hit the road, any changes n mod to the car is considered illegal n will void your insurance.

The scary part is here how u know about all these things when u sign up their insurance, unless that person is like me who call n ask in great details. Even their call center answering gals can't answer my question. Very misleading.

The only time u know is when u file a claim or report an accident, they instead tell u your car insurance is cancelled N u have to COVER your own BACKSIDE.

Haha.

[Guest Feilong108]

Wow...luckily i am with Chartis...

[Guest arshavin]

Chartis is formerly AIG and they do give MB more face. For sure, U can change more things than other insurance

I wanted chrome tail pipe, K&N filter, one fin grill n sport rims. All have to sweep under bed n wait long long. Haha.

Enjoy your mod

[Guest Feilong108]

i want to change my tail pipe and filter for sure....

[Guest arshavin]

U can call n ask Chartis for their terms n condition.

What model u driving

[Guest vt5sport]

If one has aftermarket mods and insurer dun pay for the reinstatement of these mods i.e. if cost of replacement of 20" BBS rims cost more than C&C std 17", i tink it's fair enuf.

But to simply void the whole insurance (esp when the claim is unrelated to the mod) on this basis when it comes to making a claim simply reeks of opportunism and bad faith. Why bother to insure when there's no assurance of coverage?

[Guest grey3443]

arshavin wrote:

Look like our bro grey has a good cheap insurance policy. Your NCD is 50% right

Insurance criteria besides cheap, they must be reasonable and professional. Imaging you have a claim and they give you 101 reasons to REJECT you.... It is as good as driving without insurance.

We buy insurance for peace in mind and not worry for rightful claim.

[Guest Wes23]

Feilong108 wrote:

i want to change my tail pipe and filter for sure....

Bro, MTL. go and change... awaiting my sports springs this thursday.... :whistle::whistle::whistle:

[Guest Feilong108]

wow...Bro Wes23...ur car sure very swee...hehehehe...

still hunting for the swee one!

[Guest arshavin]

vt5sport wrote:

If one has aftermarket mods and insurer dun pay for the reinstatement of these mods i.e. if cost of replacement of 20" BBS rims cost more than C&C std 17", i tink it's fair enuf.

But to simply void the whole insurance (esp when the claim is unrelated to the mod) on this basis when it comes to making a claim simply reeks of opportunism and bad faith. Why bother to insure when there's no assurance of coverage?

fully agree with u but too bad Aviva only thinks from their own company interest. the underwriter advise me as long as i keep the original stocked car with no mod at all, i m safe.

after 2013, i will dump Aviva n go back to MSIG or Chartis.

[Guest grey3443]

arshavin wrote:

fully agree with u but too bad Aviva only thinks from their own company interest. the underwriter advise me as long as i keep the original stocked car with no mod at all, i m safe.

after 2013, i will dump Aviva n go back to MSIG or Chartis.

When all of us dump them , they will have no choice but to wake up their idea!

[Guest arshavin]

grey3443 wrote:

When all of us dump them , they will have no choice but to wake up their idea!

difficult because there will always be drivers in similar situation as me.

other car insurance offer high sky quotes for renewal and only aviva offer more than 50% discount.

but in this world, there is no free lunch. so is up to us who r willing to sign up aviva to call thei runderwriter and ask many many questions.

[Guest Wes23]

Feilong108 wrote:

wow...Bro Wes23...ur car sure very swee...hehehehe...

still hunting for the swee one!

It is normal la. Check out chiaster or hk bro car. Theirs are nicer!

[Guest skid]

grey3443 wrote:

Aiya, astatic mod is ok lah. It is like changing spots rim, solar film or window shade.

to borrow quote from our senior bros here: MOD don SCARE, SCARE don MOD

:becky:

[Guest Wes23]

skid wrote:

to borrow quote from our senior bros here: MOD don SCARE, SCARE don MOD

:becky:

Yes yes! I fully agree!!!

[Guest vt5sport]

skid wrote:

to borrow quote from our senior bros here: MOD don SCARE, SCARE don MOD

:becky:

....and dun cry farder marder if insurance kena void later. :Cry::Cry: LOL!

[Guest hkhamateur]

Wes23 wrote:

Bro, MTL. go and change... awaiting my sports springs this thursday.... :whistle::whistle::whistle:

Wes, where abt yr fittg of lowerg spring? McWell? :whistle:

If so, time? i drop by as gotta replace something too. :becky:

[Guest hkhamateur]

arshavin wrote:

fully agree with u but too bad Aviva only thinks from their own company interest. the underwriter advise me as long as i keep the original stocked car with no mod at all, i m safe.

after 2013, i will dump Aviva n go back to MSIG or Chartis.

All of us will deeply suffered w our very first in-hse insurance by the agents. :Cry: No choice one! :hand:

Fortunately I'm insured with Chartis at oni S$850++ inclusive of NCD protector for e second year and at present! :whistle:

Am able to breath freshly, nicz...:becky:

[Guest Wes23]

hkhamateur wrote:

Wes, where abt yr fittg of lowerg spring? McWell? :whistle:

If so, time? i drop by as gotta replace something too. :becky:

Bro racetech! You call me when you drop by! I will be there this thursday...

[Guest Wes23]

hkhamateur wrote:

All of us will deeply suffered w our very first in-hse insurance by the agents. :Cry: No choice one! :hand:

Fortunately I'm insured with Chartis at oni S$850++ inclusive of NCD protector for e second year and at present! :whistle:

Am able to breath freshly, nicz...:becky:

Lucky I used my father name if not mine I think is :shocked:

[Guest hannson]

hippo wrote:

Look for Dr Hannson. He has connection for the one fin grille that fits nicely on the FL w204.

Do you mean these?

[Guest rssid]

Nice fierce looking ride there doc !

[Guest hannson]

rssid wrote:

Nice fierce looking ride there doc !

don't fierce.. don't fierce... just black.. LOL

[Guest skid]

hannson wrote:

don't fierce.. don't fierce... just black.. LOL

yes doc very SWEE! :becky:

[Guest hkhamateur]

hannson wrote:

Do you mean these?

Aggressive combo n goes w e blackie! Swee Doc! :thumb: