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)
Insurance Panel Workshop
- Thread starter colebruno
- Start date
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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)...
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.
A
armereth
Guest
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
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
....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...
A
armereth
Guest
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.
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.
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.
A
armereth
Guest
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.
A
armereth
Guest
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
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
Hi Arm,
Thanks again for the info. I now understand what it means.
Care to share the ONE insurance company that waive the betterment fee?
When I shop for insurance, the most valuable service that I want from them is FREE towing service. Some offers on-site repair but I think it's a waste of time and they would probably not touch BMW.
After talking to one owner who sent his car to the panel workshop and got taiwan parts - which is not suitable and cause engine heating, I've decided to shop for an insurance company which offers this. He later changed to original parts and paid out of his own pocket for piece of mind but loose out on the NCB and countless anxieties. Now there is more to consider when choosing an insurance company.
Thanks again for the info. I now understand what it means.
Care to share the ONE insurance company that waive the betterment fee?
When I shop for insurance, the most valuable service that I want from them is FREE towing service. Some offers on-site repair but I think it's a waste of time and they would probably not touch BMW.
After talking to one owner who sent his car to the panel workshop and got taiwan parts - which is not suitable and cause engine heating, I've decided to shop for an insurance company which offers this. He later changed to original parts and paid out of his own pocket for piece of mind but loose out on the NCB and countless anxieties. Now there is more to consider when choosing an insurance company.
A
armereth
Guest
Ha! Name one insurance company. Hmmmm that will be difficult because it does not really matter which one you chooses as long as you know the right people i.e claims manager, GM etc. If you know them, you can get your car repaired in less than 4 days when normally it will take a month. Free towing are pretty common nowadays. If the insurance dont provide the repairer will put it in the claims. Either way, owner dont have to pay.
Anyway, from my experience. I think Takaful Ikhlas is pretty professional. They focuses on customer service and rather new in the market. They are working very closely with AB (as of last year). Plus they are bound by some takaful rule which emphasis on islamic way of doing things (so more ethical I think).
Pan Global is not bad considering they are the first who give installment for insurance premium and roadtax. Very agressive in CustomerRelation. Their people actually called the owner just to find out how happy he is after the he collected his car from the workshop
Uni.Asia is quite like by the repairer for paying them rather fast and dont simply slash the claims without any reason given. Very efficient claims department.
Pacific and Orient (P&O) is sadly unprofessional. Dealt with a lady once when i made a windscreen claim. Treated me like s**i. If I am in front of her, I would have slap her already. Apparently everyone in the office is aware of her bad attitude. A disgrace to the company
Aviva is also quite like by the repairer for being a good pay master and reasonable in approving claims. This is very important because you do not want used/taiwan parts for your car dont you.
Nevertheless, no matter how good is the ins company, we ourselves must be demanding i.e pay surprise visit to workshop, ask for approved parts list from the insurance etc. Btw, do you know that some insurance actually provide an online interface for the car owner to check the repair process themselves! Takaful Ikhlas did this. Go to RepairTracker to take look. Every owner will be provided with the login details via SMS when the claims is submitted. The owner then login to view images, percentage complete and even printout the approval letter from the comfort of your own home!!
All for the rest, I cant say much as to me they dont "stand out" from the crowd.
Anyway, from my experience. I think Takaful Ikhlas is pretty professional. They focuses on customer service and rather new in the market. They are working very closely with AB (as of last year). Plus they are bound by some takaful rule which emphasis on islamic way of doing things (so more ethical I think).
Pan Global is not bad considering they are the first who give installment for insurance premium and roadtax. Very agressive in CustomerRelation. Their people actually called the owner just to find out how happy he is after the he collected his car from the workshop
Uni.Asia is quite like by the repairer for paying them rather fast and dont simply slash the claims without any reason given. Very efficient claims department.
Pacific and Orient (P&O) is sadly unprofessional. Dealt with a lady once when i made a windscreen claim. Treated me like s**i. If I am in front of her, I would have slap her already. Apparently everyone in the office is aware of her bad attitude. A disgrace to the company
Aviva is also quite like by the repairer for being a good pay master and reasonable in approving claims. This is very important because you do not want used/taiwan parts for your car dont you.
Nevertheless, no matter how good is the ins company, we ourselves must be demanding i.e pay surprise visit to workshop, ask for approved parts list from the insurance etc. Btw, do you know that some insurance actually provide an online interface for the car owner to check the repair process themselves! Takaful Ikhlas did this. Go to RepairTracker to take look. Every owner will be provided with the login details via SMS when the claims is submitted. The owner then login to view images, percentage complete and even printout the approval letter from the comfort of your own home!!
All for the rest, I cant say much as to me they dont "stand out" from the crowd.
A
armereth
Guest
No. Totally different. To make is simple
Excess Fee = Fixed amount that the owner have to pay whenever a claims is made. It is irregard to whose fault was it. Some insurance does not apply this for the sake of marketing. If applied, it is make & model dependant. High risk car like Toyota Altis, Mitsu Storm have very high excess whereas Wira has none. It can be negotiated on case by case basis. When I was using my Madza Figther I brought it down to RM1000 from RM 1500
2F excess Fee = Additional excess fee that the owner must pay if :
a) The driver has less than 2 years of driving experience at the time of the accident or:
B) Unamed driver. The driver is someone not mentioned as "Additional Driver" in the policy or:
c) The driver is under the age of 21.
2F excess fee is fixed by Bank negara at RM400. Not negotiatable.
Betterment = Fee you have pay for getting new parts when the original parts on your car was old. Fixed rate by Bank Negara. If dont want to pay betterment, tell workshop to fit used parts or taiwan parts
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