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標題: 車保 [打印本頁]

作者: cheeseman 時間: 20-9-2011 21:35 標題: 車保

大家用邊間車保呢?
新車RK5, 大昌用中銀要成12000, 平安網上報價都係8000到.

作者: eyuen 時間: 20-9-2011 21:46

如果你有親戚或朋友係教師，经教協買最平。

作者: eyuen 時間: 20-9-2011 21:48

我有60% NCB, 新車買全保約$4200

作者: cheeseman 時間: 20-9-2011 21:57

嘩！$4200！

作者: eyuen 時間: 20-9-2011 22:22

寫錯咗，係3200至正確

作者: gcmlau 時間: 20-9-2011 22:30

蘇黎世,60 NCB, RK1新車買28全保$4700, add my wife's name second driver also

作者: cheeseman 時間: 20-9-2011 22:30

真係好平喎!

作者: cheeseman 時間: 20-9-2011 22:30

不過我無親戚或朋友係教師.
咁我會考慮平安啦.

作者: gcmlau 時間: 20-9-2011 22:31

Sorry, 蘇黎世,60 NCB, RK1新車買28萬全保$4700, add my wife's name second driver also

作者: eyuen 時間: 20-9-2011 22:33

平保報價都係3500,3800,5700，冇8000咁貴

作者: eyuen 時間: 20-9-2011 22:34

係325000全保額

作者: gcmlau 時間: 20-9-2011 22:35

My wife is teacher, you need me to check the price for you. Or I introduce my Zurich agent?

作者: gcmlau 時間: 20-9-2011 22:38

However, I trust Zurich 蘇黎世 more than 教協. I really want some better after sale service rather than very cheap price. It is because, it helps you alots when having accident (touch wood). I have been hit twice in my two previous cars and Zurich is very well handling the case.

作者: cheeseman 時間: 20-9-2011 22:45

無雖然吾係新牌, 但我無NCB呀. :(

作者: cheeseman 時間: 20-9-2011 22:47

eyuen, 全保額同你一樣啦. :)
gcmlau, can u pm me yr agent?
Thanks a lot!

作者: eyuen 時間: 20-9-2011 22:47

我都有投保過 zurich,我曾經claim過玻璃，但佢哋一定要你第二年繼績績保，否則要回水。
而教協agent's介紹係 ING. 其實買車保要睇出單保障條件.而同一張單同一保障，係唔同AGENT 有好大分別，要睇個AGENT 賺幾多囉

作者: cheeseman 時間: 20-9-2011 22:49

哦, 明白.

作者: Ketoneso 時間: 20-9-2011 22:49

Oh! No! I paid 12000 already

My 60% NCB expiry. They will help me resume to 60% after 3 years.

作者: Jack 時間: 20-9-2011 22:50

我同大昌(中銀)買, 33萬計, 本身40%ncb 佢送左10%比我, 即係50%ncb 收 $7000

作者: eyuen 時間: 20-9-2011 22:52

HI, cheeseman 其實你可以係綱上叫AGENT 報多Ｄ價，睇多Ｄ墊底條款,再同佢吔傾，咁就攞到最優惠價錢及保障

作者: gcmlau 時間: 20-9-2011 22:53

Cheeseman, you are much better than me. When I was no NCB, I was driving Altezza, 18,000 / yr. Yeah, I think I am crazy. Ha Ha.

作者: cheeseman 時間: 20-9-2011 22:53

收到eyuen兄.

物NCB會過期架?!

作者: cheeseman 時間: 20-9-2011 22:55

Cheeseman, you are much better than me. When I was no NCB, I was driving Altezza, 18,000 / yr. Yeah, I think I am crazy. Ha Ha.
gcmlau 發表於 20-9-2011 22:53

$18000!!!!
Altezza, 跑車係會貴D啦!
我地架8人VAN呀嘛!

作者: eyuen 時間: 20-9-2011 22:58

車保都係經保險AGENT做,佢吔都係代理個幾間保險公司-例如 Librity, Zurich,平保, Ing 等等
如我哋求其信保險AGENT,咁咪俾佢斬一刀,所以一定要格價和比較terms

作者: gcmlau 時間: 20-9-2011 22:59

Cheeseman, PMed

作者: cheeseman 時間: 20-9-2011 23:02

got, Thanks gcmlau!

作者: eyuen 時間: 20-9-2011 23:03

NCB 可以 keep 1 年
Altezza 要加 loading, 保險視之為高危類別,而冇NCB就當新手,所以當新手+高危類別保費會很貴，而且很多保險公司會佢保

作者: gcmlau 時間: 20-9-2011 23:07

Yes, eyuen, you are right. Also, there were lots of stealing at that time too.

作者: Ketoneso 時間: 20-9-2011 23:18

I bought at $315,000 (save 10000) but waste 12,000 in insurance!!No gain

作者: cheeseman 時間: 20-9-2011 23:22

嘩! 你點同佢講到咁多價架!? 勁!

作者: eyuen 時間: 20-9-2011 23:25

30# Ketoneso

如果份保險剛買而你又找到另一間可以"平好多"的話，你係可以退保再買平個份,麻煩D啦。如果差不多，咁出年續保就做吓功課囉！

作者: eyuen 時間: 20-9-2011 23:31

攞晒佢哋D報價，再一個一個叫佢哋報平及將loading減到最小。而D agent 想倣生意，大多數都減，干祈咪幫車行買，因車行及agent 都要賺佣

作者: ocbc 時間: 20-9-2011 23:54

無雖然吾係新牌, 但我無NCB呀. :(
cheeseman 發表於 20-9-2011 22:45

Cheese Hing, your third-party insurance's NCB can transfer to full cover gar if you have!

作者: cheeseman 時間: 20-9-2011 23:59

ocbc, 無呀, 我個係善良的牌, 之前响加拿大揸開, 牌就十幾廿年, 今次先係自己第一次買車, 之前只係揸過朋友D車. 咁應該無NCB, 係咪呢?

作者: ocbc 時間: 21-9-2011 00:05

ocbc, 無呀, 我個係善良的牌, 之前响加拿大揸開, 牌就十幾廿年, 今次先係自己第一次買車, 之前只係揸過朋友D車. 咁應該無NCB, 係咪呢?
cheeseman 發表於 20-9-2011 23:59

作者: eyuen 時間: 21-9-2011 00:06

35# cheeseman

咁為由一年一年咁儲啦，出年有20% NCB都可以慳D嘅

作者: sammykwan 時間: 21-9-2011 00:09

ocbc, 無呀, 我個係善良的牌, 之前响加拿大揸開, 牌就十幾廿年, 今次先係自己第一次買車, 之前只係揸過朋友D車. 咁應該無NCB, 係咪呢?
cheeseman 發表於 20-9-2011 23:59

if you have any close family member have NCB, may be you should consider add their names onto the driver list.

作者: ocbc 時間: 21-9-2011 00:20

if you have any close family member have NCB, may be you should consider add their names onto the driver list.
sammykwan 發表於 21-9-2011 00:09

Sammy Hing, It will be cheaper?

作者: cheeseman 時間: 21-9-2011 00:20

好橙呀, 無呀!
局俾呀今年.

作者: wongdan88 時間: 21-9-2011 00:24

我p牌冇NCB都要$14,000啦,平安報你$8000,重平過我而家有20NCB,因我未夠兩年牌

作者: sammykwan 時間: 21-9-2011 00:30

Sammy Hing, It will be cheaper?
ocbc 發表於 21-9-2011 00:20

you can copy the NCB ma.....

作者: Ketoneso 時間: 21-9-2011 15:41

32# eyuen
Really! It is my second time to buy Honda car(last time is Civic), the first year insurance always bought from the agent sales direct in the hope that he serve me better. However, I think I should call quotation next time!!

作者: eyuen 時間: 21-9-2011 17:20

今天正式攞到車保報價-教協$2950(保額325000, 60%NCB)
墊底term -general $5000, theft $5000, young driver $5000,inexp drive $5000, unname $5000, third party $5000, paking $2000(另加６大保障- NCB protect,new for old, windscreen $5000, 24hr 路邊緊急維修, 24hr 拖車服務, 後備車輛)
now insurance- $3300(保額325000, 60%NCB)
墊底term -general $3000, theft $3000, young driver $3000,inexp drive $3000, unname $3000, third party $3000, paking $0(另加5大保障- NCB protect,new for old, windscreen $5000, 個人意外保障,索賠服務)
準備28号取新車RK5

作者: cheeseman 時間: 21-9-2011 17:41

Zurich agent quote me $12000, same as DCH......
she said due to 0% NCB, i think i might go for PingAn.

eyuen, thats amazing, want to add u as my second driver. haha

作者: gcmlau 時間: 22-9-2011 21:45

cheeseman, sorry about that

作者: cheeseman 時間: 23-9-2011 00:14

no problem Gilbert! Thanks for your help!

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