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Are you a Singapore car owner and looking for car insurance? As all car owners know, the car insurance market is a bit of a minefield. That is true for CTP Green Slip Insurance markets all over the world, not only in Singapore.
If you have not signed up for car insurance before, you may find setting up insurance especially challenging. The best thing to do is to do a car insurance comparison in Singapore. Direct asia car insurance in Singapore can help you regarding this. Remember that it is important to compare apples with apples as they say. Many car owners who are new to car insurance only look at the cost of the insurance. But, there is more to insurance comparisons than that. Ultimately, it is about the all-over value for money.
Is My Windscreen Going To Be Covered?
Although bodywork damages are expensive to repair, repairing your windscreen is another expensive undertaking. Windscreens get damaged more often than you may think. The roads in Singapore are in good condition compared to other countries, but damage from road debris is still fairly common.
Not all car insurance policies cover the cost of having your windscreen repaired or replaced. Before you sign up for a car insurance policy, you should make sure the cover for your windscreen is included. The rest of the glass on your car should also be covered by the policy.
Damage to Paint Work
Damage to paint work is perhaps one of the most common reasons for an auto insurance claim. A car can easily get damaged when parked in a supermarket car park or in the street.
Nothing is more annoying than coming back to find that your car has been damaged in your absence. Not only is it going to cost you money to have the damage repaired, but you may also have to do a lot of the leg work yourself. That means going around different car repair shops and getting quotes for the damage. A top-quality insurance company will help you to resolve the problem. That means you don’t have to take time off work to find a body repair specialist.
Emergency Numbers
It is important to deal with an insurance company that is easy to get in touch with when you need to. Not all insurance companies offer a variety of different telephone numbers.
Before you take out car insurance with any company, make sure that they have a variety of phone numbers. You don’t want to end up dealing with a company that only has one telephone line for claims.
On top of that, you should also make sure you can contact your insurer in different ways including by SMS and email. We rely on modern communication methods more than we think.
What About Your No Claims Bonus?
Don’t forget about your no-claims bonus. Most car insurance policies include some kind of no-claim benefits. When you switch, you need to make sure that yours is transferred and passed onto your new insurance company.
Is it worth paying extra to have your no-claims bonus frozen? On occasion, it is worth paying extra to have your no claims frozen in case of an accident. Not all car insurance companies offer this option. It is a good option to have. In the long run, being able to freeze your no-claims bonus can save you a lot of money.
How Often Should You Shop Around For Car Insurance?
Checking the cost of your car insurance once a year is a good idea.
At the same time when you check the cost of your car insurance, check its terms and conditions. Have they changed?
Unfortunately, many car owners fall foul of not checking the terms and conditions of their renewed policies. Your policy may have changed and it may not have changed. However, unless you ask, you are never going to know.
It only takes you a few minutes to ask.
Asking For Written Confirmation
Finally, it is important to ask for written confirmation of all of the terms and conditions. This is something that many car owners forget to do when they shop around for car insurance policies. Yes, you may like the agent, but at the end of the day, try to see this as a financial arrangement.
Maybe that is the most important thing to remember when you shop around for a car insurance comparison in Singapore.
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