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Expat needs to learn insurance do's and don'ts
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<blockquote data-quote="jarance" data-source="post: 371394" data-attributes="member: 21"><p>1- Are we allowed to choose any garages to fix our beloved fine-tuned machines or are the insurance companies free to force on us whatever scrap-yard makes the cheapest offer in the World?</p><p><span style="color: Navy">Normally, most insurance company have a list of approved panel which they prefer you to use. It is not a must but it will help you expedited your claim faster should the need arises one day. </span></p><p></p><p>2- Are there premium services and extras that we can choose like replacement vehicle, express fixing, etc.?</p><p><span style="color: Navy">There are no such things as express fixing. All insurance are the same. The premium are the same and are based on the value of the market rate of the car. If you buy a UDM from BMW authorised dealer, they might give you a replacement car when your car is in their shop but then again this is very subjective. It who you know in the industry. LOL</span></p><p></p><p>3- How low do insurance companies here get when dodging claims? Which are better than others?</p><p><span style="color: Navy">Try Kurnia.. I am using them for 3 cars. Claim not so slow. About 1 week for minor claim and about 1 month for major claim.</span></p><p><span style="color: Navy"></span></p></blockquote><p></p>
[QUOTE="jarance, post: 371394, member: 21"] 1- Are we allowed to choose any garages to fix our beloved fine-tuned machines or are the insurance companies free to force on us whatever scrap-yard makes the cheapest offer in the World? [COLOR="Navy"]Normally, most insurance company have a list of approved panel which they prefer you to use. It is not a must but it will help you expedited your claim faster should the need arises one day. [/COLOR] 2- Are there premium services and extras that we can choose like replacement vehicle, express fixing, etc.? [COLOR="Navy"]There are no such things as express fixing. All insurance are the same. The premium are the same and are based on the value of the market rate of the car. If you buy a UDM from BMW authorised dealer, they might give you a replacement car when your car is in their shop but then again this is very subjective. It who you know in the industry. LOL[/COLOR] 3- How low do insurance companies here get when dodging claims? Which are better than others? [COLOR="Navy"]Try Kurnia.. I am using them for 3 cars. Claim not so slow. About 1 week for minor claim and about 1 month for major claim. [/COLOR] [/QUOTE]
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