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Tribe Talk > About Cars  >  Technical Forum > Advice Needed | Toyota Insurance Panel
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23 Jun 2015, 06:13 PM
13 Apr 2008, 08:34 PM

I am new to Toyota and renewing insurance soon, as per subject, please share experiences if there is any:

1) TOKIO MARINE
2) MSIG
3) eTiQa
4) OrientalCapital.
 
Any advice would be much appreciated. Thank you in advance :)
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23 Jun 2015, 05:08 AM
14 Apr 2008, 02:15 PM
errrrrr.......syong888.....wat u wanna know leh? do u mean wat insurance company better or is it something else u wanna know?
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23 Jun 2015, 06:13 PM
15 Apr 2008, 07:07 AM
Yes, would like to purchase from one of them. Any recommendation? Thank you in advance :)
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08 Jun 2015, 10:46 PM
15 Apr 2008, 08:54 AM
my advice is, look for insurance agent, so that when u got problem u can ask him/her settle insurance claim for you. If not, you have to go to insurance company claim by ur self.
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23 Jun 2015, 05:08 AM
15 Apr 2008, 10:44 AM
wat tsfatt said is true.....best solution is to get an agent you are familiar with. However if thats not an option, perhaps you will find HLA as an alternative. Thus far my personal experience with HLA is good.
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05 Jun 2015, 11:00 PM
15 Apr 2008, 07:51 PM
As long as the insurer allow "Agreed Value", I will buy from them..

Oh yes, many advices me to avoid Kurnia for whatever reason.. I didn't ask..

All this while I'm using MNI which now called ETIQA.. I use them because they have this thing called NCB protector... no matter how u claim, your NCB is protected.. Now this feature is removed because Bank Negara ban it.

A recent unpleasant claim experience has made me change my mind...
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23 Jun 2015, 06:13 PM
15 Apr 2008, 09:00 PM
TQTQ for the comments in helping to made decision :)
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05 Jun 2015, 11:00 PM
02 Jul 2009, 10:22 AM
I have just renewed auto insurance for the 4th time for my 2005 Avanza. I was thinking to insure about RM38k max but amazingly I was offer RM43k \"Agreed Value\" for a car which I have bought 4 years ago for RM58k.

That's 15k in depreciation for 4 years, working out to about RM3.75k per year. What a great value this mini MPV offered! Still, that's about RM10.30 a day.. \"iconItem.title\"

By the way, while I was looking for an insurance thread to post this, I found these 2 other interesting threads..

http://tribetoyota.com.my/forum/forum_posts.aspx?TID=41

http://tribetoyota.com.my/forum/forum_posts.aspx?TID=744

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06 Aug 2015, 02:32 PM
02 Jul 2009, 05:37 PM

but heard that, if insured under Toyota Panel Insurance, claims, service will be more faster wor......



and also no worry on the genuineness of the spare parts being used.......

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05 Jun 2015, 11:00 PM
02 Jul 2009, 06:32 PM
True also... since within warranty period, its highly advisable to get from the UMW insurance partner... which I didn't \"iconItem.title\".. (come lunch TT and I'll tell u why.. \"iconItem.title\")

I think within 1st 5 years, the insurer still allow new parts for your car but after 5 years, insurer will only allow used parts or does not allow full claim if new parts are used, under the so called \"betterment\" clause.

After all, the premium is regulated so u pay the same no matter from whom u buy the insurance from.
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