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 Which Golfers' Insurance You Prefer

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Which insurance you prefer?
Yearly Premium $50 Excess $200
25%
 25% [ 4 ]
Yearly Premium $100 Excess $50
75%
 75% [ 12 ]
Total Votes : 16
 

AuthorMessage
TigaWood
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PostSubject: Which Golfers' Insurance You Prefer   Thu Jan 21, 2010 9:57 pm

Just need your vote to see which package of insurance you all prefer.
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sunny
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PostSubject: Re: Which Golfers' Insurance You Prefer   Thu Jan 21, 2010 10:45 pm

Seebayho, can clarify how the excess work? Per club? Eg lose entire bag. Excess of 200 would almost mean no claim possible.

But if they consider entire bag worth 1.5k and pay out 1.3 then it is different matter. If they assess individual clubs claim the sum above 200 and add up, then claim sum probably only 1-200 for drivers plus woods only.

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eiji
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PostSubject: Re: Which Golfers' Insurance You Prefer   Thu Jan 21, 2010 11:48 pm

usually with insurance, its excess per claim. so if you lost the entire bag, it will be 200 for that claim, however if you just lost/damaged a single club it would probably be better to not make a claim and just replace/repair the lost/damaged club yourself.

not an expert in this, just my interpretation of insurance

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watermyforrest
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 12:27 am

Does it include claims from injured parties and accidental damage to the golf course's properties?
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TigaWood
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 12:34 am

Scenario 1: Lost whole bag
$100 premium, excess $50 claim up to $3000
$50 premium , Excess $200 can claim up to $2000

Scenario 2: Broke 1 club
$100 premium, Excess $50 can claim up to $300
$50 premium, Excess $200 can claim up to $2000

Insurance are actuarially calculated, it short you pay more you will get more.
When you pay less you will get less.

Eiji is correct, if you want to claim make sure you claim big!
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TigaWood
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 12:38 am

watermyforrest wrote:
Does it include claims from injured parties and accidental damage to the golf course's properties?

Yes, $300,000. for third party personal and property damage
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TigaWood
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 12:44 am

With the new explanation of the excess, you may cancel and do a re vote.
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opus
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 12:46 am

of cos lower excess.
so far i claim my golf and travel insurance higher than the premiums i paid Exclamation
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weesern
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 1:14 am

is there so many things to claim??
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opus
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 1:20 am

yah!
My baggage kana a bit of tear also i claim! LOL alien
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Seiko
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 9:26 am

seebayho wrote:
Scenario 1: Lost whole bag
$100 premium, excess $50 claim up to $3000
$50 premium , Excess $200 can claim up to $2000

Scenario 2: Broke 1 club
$100 premium, Excess $50 can claim up to $300
$50 premium, Excess $200 can claim up to $2000

Insurance are actuarially calculated, it short you pay more you will get more.
When you pay less you will get less.

Eiji is correct, if you want to claim make sure you claim big!

Sorry! I need to clarify something. When u said excess, do u mean that as long as the damage cost is more than $50 or $200, u can make a claim. While it is less than that then no claim?

Am I correct?
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blee67
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 10:36 am

opus wrote:
yah!
My baggage kana a bit of tear also i claim! LOL alien

Hi Opus,

The baggage damage from air travel? If so, some airlines like SQ allows you to claim as well.
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hillgreen
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 11:26 am

Hi ,

Just to clarify if it is a typo error....

under Scenario 2,
$100 premium, Excess $50 can claim up to $300 (should this be $3,000 ?)

seebayho wrote:
Scenario 1: Lost whole bag
$100 premium, excess $50 claim up to $3000
$50 premium , Excess $200 can claim up to $2000

Scenario 2: Broke 1 club
$100 premium, Excess $50 can claim up to $300
$50 premium, Excess $200 can claim up to $2000

Insurance are actuarially calculated, it short you pay more you will get more.
When you pay less you will get less.

Eiji is correct, if you want to claim make sure you claim big!
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Raquel
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 11:36 am

I Join MGK for Hcap maintainance and insurance coverage.

Not sure if it is good enough?

MGK Members, can u enlighten me please?? Very Happy
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TigaWood
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 12:13 pm

Hillgreen, It's limit at $300 per club no error.

Seiko you are correct
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weesern
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 1:08 pm

If not wrong for MGK (NTUC) if u hv HIO, the claim is only $500....
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opus
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 2:54 pm

DELETE TO SAVE MY ASS


Last edited by opus on Sat Jan 23, 2010 12:31 am; edited 1 time in total
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blee67
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PostSubject: Re: Which Golfers' Insurance You Prefer   Fri Jan 22, 2010 3:07 pm

opus wrote:
I claim both on the airlines and insurance company lol!

Wah.. Good one..
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PostSubject: Re: Which Golfers' Insurance You Prefer   Today at 6:27 pm

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