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  • Insurance Panel Workshop

    Hi all,

    I would like to know if any of your usual workshop is an authorised/panel workshop of an insurance company.

    The reason being if you send your workshop to those panel workshop, they will charge the insurance comapny a bomb but gives you sub-standard parts for the repair or you'll be wondering if they know how to repair your car properly.

    For instance, Federal Auto is a panel workshop but not sure if AB or M1 is on the panel? Care to share this.

    Cheers!
    B)

  • #2
    AB has their collison repair division and heard that they are good...
    I don't drive fast cars, I just drive cars fast.

    1990 E30 318i(s)
    M42B18

    Comment


    • #3
      AB is a subsidiary of Sime Darby Group. They have a sister company dealing in Islamic Takaful. Most new car buyers with AB bought their takaful insurance. So it's kind of one stop shop for the buyers as AB is doing all the breakdown or accident repairs themselves and nationwide at that (I hope so)...

      Comment


      • #4
        AB is a subsidiary of Sime Darby Group. They have a sister company dealing in Islamic Takaful. Most new car buyers with AB bought their takaful insurance. So it's kind of one stop shop for the buyers as AB is doing all the breakdown or accident repairs themselves and nationwide at that (I hope so)...
        Hi GMeng,

        Do you have the name and contact of this Takaful insurance company? Is this for car purchased from AB only? Thanks for your help.

        rgrds,
        B)

        Comment


        • #5
          since we are on car insurance/ panel workshop topic - has anyone/ committee considered making a special arrangement policy for registered bmwclubmalaysia members? with the large number of members, I'm sure the rate would be good and perhaps able to name mutually agreed workshops. Insurance is all about the law of numbers anyway.
          TIME YOU ENJOY WASTING, WAS NOT WASTED........JOHN LENNON

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          • #6
            Originally posted by dedisyar@Mar 15 2006, 04:14 PM
            since we are on car insurance/ panel workshop topic - has anyone/ committee considered making a special arrangement policy for registered bmwclubmalaysia members? with the large number of members, I'm sure the rate would be good and perhaps able to name mutually agreed workshops. Insurance is all about the law of numbers anyway.
            We can't endorse any workshop unless it's authorised by BMW.

            As for authorised service centers in Malaysia, there's AB, Cartrade and soon-to-come Sapura.
            I don't drive fast cars, I just drive cars fast.

            1990 E30 318i(s)
            M42B18

            Comment


            • #7
              OK. Let me meyampuk a bit based on what I know.

              1) Insurance Panel workshop scheme are basically meant for those non-franchise workshop i.e. those independent workshop you see lurking by highway with their call man/agent/salesman. They are not related to any manufacturer. If a workshop is not under the panel of a particular insurance company they cannot repair your car and claims from them. You have to bring the car out from them and go to those workshop which is in the panelship.

              2) Authorised or what we call franchise workshop are basically those that comes under the management of the authorised distributor like Auto Bavaria, UMW (toyota), EON & Proton, Federal Auto (for volvo) etc.

              3) Franchise workshop doesnt need to be under the insurance panelship scheme to claim. They are in automatically. So, we can send our Beemer (regardless of under which insurance co) to AB for accident repair and still be able to claim from the insurance company. Why so and why cant those independent repairer do this? Simple, AB give businesses to this insurance company but independent workshop dont. So AB expect them to give them back some repair business via accident claims. If not, AB can tell all their cust to go for other insurance.

              4) Since AB has the upper hand, AB can basically dictate what are the labour charges, part price etc is like and normally the insurance has to accept it. Therefore, if (touch wood) any of you met with an accident, try your VERY BEST to go back to AB because whatever AB ask for in the claims, the insurance will surely pay one albeit being very expensive. If not, AB can complain easily whereas independent workshop just keep quiet and put in second hand parts. Thats is why most of the time, if you ask the insurance company which workshop to go to after an accident, they will surely tell you to go to those independent workshop like Masterbody (USJ), CIty Alignment (Kayu Ara), Thong Hing (KL) where they are under the insurance co mercy.

              5) For your information, AB is working very closely with Takaful Ikhlas (TI), a rather new insurance co. TI is hoping to get as much business as possbile from all new cars sold by AB. So, buying ins from Takaful Ikhlas is better because they will not simply "slash" the claims amount by approving for used parts, non-original parts etc. Believe me, if you send to outside workshop, you will see this happening. They need to "jaga" AB baik baik.

              6) But the main problem is most of the time during an accident the owner don't know or unable to get the tow truck to send the car to AB. This is because those call-man/tow-truck dirver will harrass the owner into alllowing them to tow the car away to their own workshop. Plus, the owner is normally stilll in the state of shock and confused at that time. Once your car is in their workshop, you will have a hard time taking it out and send to AB. You will need to pay something like RM500 or so for towing fee unless you are a i) Taiko in Klang Valley or ii) Your Father, mother, uncle, sis etc is a police officer. Other than that be prepared to pay.

              7) Unfortunately, most franchise workshop like Cycle and Carriage (my own experience) are not interested in accident repair because of all the hassle like making police report, payment delay, insurance slashing prices etc. SO they are not bother to send tow truck to accident scene and tell you to send it to repair outside instead.

              8) Endorsement by BMWCLUB will serve no purpose because it will not carry weight as the insurance company will not listen to us. What we can do is group together and buy from one insurance and then get the access clause strike off or better still get them to sponsor some of our event.

              Fuyoh. Damn tired typing the above. Anyway, hope it helps. More to come. After my next jug

              Arms

              Comment


              • #8
                Originally posted by armereth@Mar 15 2006, 09:42 PM
                What we can do is group together and buy from one insurance and then get the access clause strike off or better still get them to sponsor some of our event.
                ......and better rates perhaps, unless motor insurance premium in Malaysia is governed by tariff...
                TIME YOU ENJOY WASTING, WAS NOT WASTED........JOHN LENNON

                Comment


                • #9
                  Originally posted by fabianyee@Mar 15 2006, 04:57 PM

                  We can't endorse any workshop unless it's authorised by BMW.

                  As for authorised service centers in Malaysia, there's AB, Cartrade and soon-to-come Sapura.
                  ....better still.

                  a) appoint an insurance broker
                  B) instruct them to come up with a scheme
                  c) place business with one insurer
                  d) name the authorised service center under the policy, and in some cases if they reject (car too old etc) send to a secondary list ( by the way we are not endorsing as insurance company has the ultimate right in choosing the workshop)

                  1) bmw club members benefit from superior rate, no access etc
                  2) insurance broker benefit from...ovbviously getting the commission/fee
                  3) insurer benefit from having a bulk business
                  4) authorised service centers benefits from...same as insurer getting a bulk business

                  ...but need members to buy in. still the law of numbers applied...
                  TIME YOU ENJOY WASTING, WAS NOT WASTED........JOHN LENNON

                  Comment


                  • #10
                    Dedi,

                    Yes, the premiun is govern by Bank Negara. So we can only negotiate on waiving the excess clause and perhaps some free gift. BUt then not every member will renew the insurance at the same time.

                    THere is a difference between service center and collision repair center (aka workshop). Service center need no endorsement but workshop need to. They need to be endorsed first by PIAM (Persatuan Insurance Am Malaysia) before they can even be considered as a Panel repairer for an insurance company. And as far as I know, there isnt any independent BMW specialist (like Mspeed, Stuttgart, BM World, M1, etc ) that is endorsed by them. So, even if we authorised a service center it is of no use. The service center must get endorsed first by PIAM. And fyi, it is a very "lenghty" process to get the endorsement and I believe no service center will be interested to do it.

                    So, like I said, when collision happens just send the car to AB (because they are franchise, hence they are in the insurance co panel automatically) if you want to claim but you can send elsewhere if you want to pay out of your own pocket.

                    Comment


                    • #11
                      go back to AB if u prefer work done by professional.

                      but u might need to pay high amount of betterment fees depend on yuour vehicle years of manufactured.

                      hope this help.
                      MSN Messenger : DanielChoong@HotMail.Com
                      Contact : 0122901026

                      Comment


                      • #12
                        Originally posted by colebruno@Mar 15 2006, 12:07 PM
                        AB is a subsidiary of Sime Darby Group. They have a sister company dealing in Islamic Takaful. Most new car buyers with AB bought their takaful insurance. So it's kind of one stop shop for the buyers as AB is doing all the breakdown or accident repairs themselves and nationwide at that (I hope so)...
                        Hi GMeng,

                        Do you have the name and contact of this Takaful insurance company? Is this for car purchased from AB only? Thanks for your help.

                        rgrds,
                        B)
                        Sorry Colebruno. Couldn't come earlier as was not available. I think Armereth has answered your question on the Takaful Ikhlas. Sorry I don't have their contact no but you can call AB to get their info. Just realised I don't have a copy of the cover note as well. I'd call the sales guy to get a copy. If I can get the tel no I'd get back to you.

                        Comment


                        • #13
                          Originally posted by KiNaKa@Mar 18 2006, 04:56 PM
                          go back to AB if u prefer work done by professional.

                          but u might need to pay high amount of betterment fees depend on yuour vehicle years of manufactured.

                          hope this help.
                          Hi Kinaka,

                          How is the SONY clock?

                          True, the owner may need to fork out the betterment but I am not sure whether has AB cut a deal with Takaful Ikhlas or not to waive the. As far as I know, one insurance company already did that. They will waive the betterment if the car is repair by the manufacturer own collision repair center.

                          For those who are interested, you can contact Takaful Ikhlas at 03-2084 1000. The officers in charge of claims are Ramakrishnan, Zazali or Salina. You can always checked with them for more details. On AB side, it should still be Murbarakh Ali.

                          Comment


                          • #14
                            Hi Arm,

                            Thanks for all the info.

                            1. Can you explain more about the "betterment fee"?
                            2. Also how do we go about if our car is not from AB. Will AB workshop accept the car?

                            Rgrds,
                            B)

                            Comment


                            • #15
                              HI.

                              OK. Here you go.

                              "Betterment fee" is what the owner has to pay because of him getting a new parts due to the repair when the actual parts weren't new before the accident. For example, A was driving with a tyre that has 60% of thread left. He then met with an accident and the tyre need to be replaced. So the workshop ask for a new tyre in the claims. However from the insurance point of view, it is their policy to repair the car to its pre-accident condition only (whatever it may be) which means that they will only give you a tyre with 60% thread. But this is not feasible, so what the insurance will do is they approve a new tyre but they will pay 60% of the costand the balance of the 40% has to come from the owner. Go it? Simply put it, an insurance will not allow you to profit from any accident.

                              Now since it is very difficult to determined the percentage, Bank negara came out with a standard percentage i.e. if your car is 6 years old then you need to pay 20% of the cost of all NEW parts, 7 years old you need to pay 25% and so on until a maximum of 55% (10 years). Remember, only NEW parts will have betterment. Old or used parts or non-original parts (aka taiwan parts) will be fully paid by the insurance. But then, franchise service center like AB will not do it because they have to provide warranty.

                              Because of this, franchise service centre like AB sometime are reluctant to repair car that are more than 5 years old because they will need to collect the betterment from the owner. Not a problem if the owner understand the concept of betterment but not all undertands it let alone willing to accept it. So what to do? They cannot put in old parts like what outside workshop do so they ask the owner to go elsewhere i.e outside workshop.

                              Like I said, some insurance already started to waive the betterment if the car is repair by those franchise service center as long as they are getting the bulk business from the particular manufacturer. How true for AB I am not sure.

                              Arms

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