#Motor-insurance avg. premium collected last year was $1,250, down from $1,280 in 2012

The average motor-insurance premium collected last year was $1,250, down from $1,280 in 2012. Furthermore, insurers made their smallest payout in motor-insurance claims in 5 years last year. They paid $712.4 million in claims, $29.7 million less than the $742.1 million the previous year.

Reason? Measures to tackle inflated or fraudulent claims, such as its Motor Claims Framework, are taking effect.

Implemented in 2008, the scheme requires motorists to inform insurers of accidents within 24 hours and makes it mandatory for insurers to conduct pre-repair inspections.

Mr Derek Teo, executive director of GIA, said: "It's now more embraced by motorists. In the beginning, motorists were not so used to it so not many adhered to it."

He added: "Timely reporting gives insurers a better chance to investigate."

Inspections by third-party insurers before the repair works start also cut down the chances of cheating and inflated claims.

So what does this mean to us?
I hope our car insurance premium will fall much more year on year.
However, I also believe that it is our responsibility as an individual driver, to drive defensively and safely to reduce the possibility of an accident on the road. As such, then insurers will have less claims and they should be able to pass on the some of their profit margin to us such that all motor-insurance premium will be lowered.

In summary, if we hope our car insurance premium can drop to a lower level that deem more affordable and reasonable to all of us, we also should do our part by

1) Report any accident timely, but touch wood, hopefully no need to report forever will be best.

2) Drive defensively and safely to reduce the risk and possiblity of accident on the road.

Happy driving!

I am inspired to write about my views by the report in MyPaper. Check that news out:
http://mypaper.sg/top-stories/war-motor-claims-bears-fruit-20140319

#MH370 Speculations on the internet closing in? 'Stalked SIA flight to the north through India airspace' ; '3 airports in India are in the flight simulator software'???

'Stalked SIA flight to the north through India airspace' 

According to The Malaysian Insider, a Reddit social network contributor named "Sweeperguy" and hobbyist pilot Keith Ledgerwood suggested the theory that lost Malaysia Airlines Boeing 777-200ER had shadowed the Barcelona-bound SQ68 for most of the seven hours it remained in the air.

Sweeperguy said if MH370 had followed SQ68 along a north-west path over India, which he speculated, the missing passenger jet would be near the SIA jetliner over Pakistan five hours from its last known position at 2.15am.

"So, by closely following SQ68 at a similar altitude and speed, it's likely that any Indian radar operator would not notice or question two closely placed primary radar returns as long as he had the expected squawk from SQ68," he added.

In his Tumblr post, Ledgerwood came to the same conclusion that flight MH370 had flown to all the navigational waypoints disclosed by the Malaysian authorities until it was near the vicinity of SQ68 at about 2.15am.

He said it became apparent that when inspecting SQ68’s flight path history that MH370 had positioned itself directly behind the SIA plane "at approximately 18:00UTC and over the next 15 minutes had been following SIA68".

"It is my belief that MH370 likely flew in the shadow of SIA68 through India and Afghanistan airspace. 

"As MH370 was flying 'dark' without transponder / ADS-B output, SIA68 would have had no knowledge that MH370 was anywhere around and as it entered Indian airspace, it would have shown up as one single blip on the radar with only the transponder information of SIA68 lighting up ATC and military radar screens," Ledgerwood wrote in a post that has gone viral.

Click the link below for the full report.

http://www.themalaysianinsider.com/malaysia/article/could-missing-mh370-have-stalked-sia-flight-to-the-north-possible-say-netiz

'3 airports in India are in the flight simulator software'

Another Yahoo News posted The Malaysian Insider report, that investigations into the flight simulator taken from the missing pilot's home showed a software for five practice runways, including one belonging to the United States, Berita Harian reported today.

"Among the software we checked so far is the Male International Airport in Maldives, three airports in India and Sri Lanka, and one belonging to the US military base in Diego Garcia. All have a runway length of 1,000 metres," a source told the Malay daily.

Click the link below for this piece of news.

http://sg.news.yahoo.com/us-military-south-asian-airports-mh370-pilot-simulator-020501547.html

Are all these speculations really piecing the puzzles up and are we closing in nearer to the missing plane?

Why did someone want to go through so much hassle to detour the flight towards this direction that is being speculated wildly online?

If there is a motive, let's hope it will keep the passengers and crew alive for negotiation towards a win-win outcome. I am hopeful.

Let's carry on to pray for #MH370

#Suarez is my NEW Robbie Fowler! #LFC

Luis Suarez scored the 3rd goal to seal today's away match against Manchester United. The match ended Manchester United 0 Liverpool 3. The first 2 goals were both scored by Steven Gerard from the penalty spot.

Liverpool has definitely made the correct and worthwhile effort to keep Luis Suarez after the 'Bite' incident in 2013. He is definitely a World-Class striker and he is going to be another Liverpool legend in the likes of Robbie Fowler (my all-time favorite player), Ian Rush and John Aldridge. However, I felt Suarez is much stronger physically and he is insanely passionate about the game. His passion has overflown so much so that he bit and abused in attempt to win a game, although it is morally wrong in this world and we should only learn from his mistakes.

Like any other individuals, no matter a successful sportsman or businessman or actors, when he is passionate about his career, he shown it with his outward attitude and his every efforts that he made, is single-mindedly towards 1 goal, that is to be spot on his goals for SUCCESS.

His energetic performances and achievements never fail to inspire me. I am constantly learning and striving to embrace this passionate attitude and turn it into realistic actions and hopefully consistently successful results.

Kudos to Suarez!

Another video below is about Robbie Fowler and do check out the similarities of the 2 of my favorite players of all times. Both have instinctive visions and strike power to score amazing goals as they not only use their eyes and legs but their hearts to play the game. Enjoy!

  

We welcomes heavy rainfall in #Singapore today!

After 8 weeks of long drought, it finally rains heavily in Singapore since early in the morning today.
Since 9:30am this morning, my facebook's News Feed has received so many of my friends' posting of pictures of the rain from Woodlands to Pasir Ris, expressing their joy and relief. Hurray! What a cool rest day!

#MH370 could have landed on a runway based on data >>> GOOD NEWS!

Could Malaysia Airlines flight MH370 have landed on a runway in a remote area somewhere?

Wall Street Journal airline industry reporter Andy Pasztor said in an interview with Here & Now’s Jeremy Hobson that while it is not clear where the plane is, the consensus among US investigators is that the plane did not crash but had landed on a runway.
He said that data had indicated that the plane remained intact and flew for up to four hours and during that time it could have landed.
"Satellite transmissions indicated that it could have landed for some period, perhaps a short period," he told Hobson.
Pasztor had created a stir worldwide with his story that missing Malaysian Airlines flight 370 could have flown for four more hours after its last confirmed contact, based on information routinely relayed from its Rolls Royce engines.
Pasztor said that while it was not clear what had happened on the plane, something weird and bizarre had happened in the cockpit and the plane did not drop out of the sky.
"What the pilot or someone else was doing is unclear but data indicated that the plane was intact and that it could have landed," he said in the radio interview which is available on Here & Now’s website.

Verfiy this news on
http://sg.news.yahoo.com/missing-mh370-plane-could-landed-runway-based-data-090314442.html

This news is implying that the missing flight #MH370 did changed course abruptly and flew for another 4 hours and may have landed somewhere and did not crash.
This is super good news for all of us!
Now, the authorities and the nations must search out the plane and rescue all surviving passengers and crews as soon as possible. There is hope and I believe the light is getting nearer.

Let's continue to pray for GOOD NEWS concerning #MH370

#MH370 flown delibrately towards Andamans. Are we coming to the end of the search soon? UPDATED

The current update from various news portal is that military radar-tracking evidence suggests a Malaysia Airlines jetliner missing for nearly a week was deliberately flown across the Malay peninsula towards the Andaman Islands, a chain of isles between the Andaman Sea and the Bay of Bengal sources.

The last sighting of the aircraft on civilian radar screens came shortly before 1:30 a.m. Malaysian time last Saturday (1730 GMT Friday), less than an hour after it took off from Kuala Lumpur, as the plane flew northeast across the mouth of the Gulf of Thailand. That put the plane on Malaysia's east coast.

Malaysia's air force chief said on Wednesday an aircraft that could have been the missing plane was plotted on military radar at 2:15 a.m., 200 miles (320 km) northwest of Penang Island off Malaysia's west coast.

The fact that the aircraft - if it was MH370 - had lost contact with air traffic control and was invisible to civilian radar suggested someone aboard had turned its communication systems off, the first two sources said.

They also gave new details on the direction in which the unidentified aircraft was heading - following aviation corridors identified on maps used by pilots as N571 and P628. These routes are taken by commercial planes flying from Southeast Asia to the Middle East or Europe and can be found in public documents issued by regional aviation authorities.

In a far more detailed description of the military radar plotting than has been publicly revealed, the first two sources said the last confirmed position of MH370 was at 35,000 feet about 90 miles (144 km) off the east coast of Malaysia, heading towards Vietnam, near a navigational waypoint called "Igari". The time was 1:21 a.m.

The military track suggests it then turned sharply westwards, heading towards a waypoint called "Vampi", northeast of Indonesia's Aceh province and a navigational point used for planes following route N571 to the Middle East.

From there, the plot indicates the plane flew towards a waypoint called "Gival", south of the Thai island of Phuket, and was last plotted heading northwest towards another waypoint called "Igrex", on route P628 that would take it over the Andaman Islands and which carriers use to fly towards Europe.

The time was then 2:15 a.m. That's the same time given by the air force chief on Wednesday, who gave no information on that plane's possible direction.

The sources said Malaysia was requesting raw radar data from neighbours Thailand, Indonesia and India, which has a naval base in the Andaman Islands.

Last radar signal detected off #MH370

Are we coming to the end of the search soon?
With all the above information and the unceasing efforts of all the nations that are helping to find #MH370, we shall pray that whatever the reason the flight was flown off track and hidden for so many days, all passengers and crews will be found well and safe soonest.

The light will be shining bright and the route will be clear for all to see and this time it will be The Truth.

Verify the news on
http://www.straitstimes.com/the-big-story/missing-mas-plane/story/radar-data-suggests-missing-malaysia-airlines-mh370-flown-deli

#TravelInsurance MUST BUY EARLY!

When booking for an overseas holiday, buying travel insurance might not be the first priority on your mind right?
Instead, you may first be thinking of increasing your flight baggage allowance to cater to your overwhelming shopping loots or pondering if you should go buy more winter clothing for the unexpected change in climate, etc, etc. I am not saying that these considerations are not important but I felt that getting a travel insurance as early as you confirm your holiday booking should come FIRST. Why do I say so?

It is because Travel Insurance covers 'Trip Cancellation'.
Normally, the insurance companies will reimburse the insured person up to the maximum limit applicable to the selected plan for irrecoverable travel, accommodation expenses and cost of entertainment tickets, that were paid in advance consequent upon the cancellation of the trip within a stated time frame (usually is 30 days) before the commencement of the trip as a result of:
1) Death, serious injury or illness or compulsory quarantine of the insured person or his/her relative or travel companion.
2) Unexpected strike, riot or civil commotion, not arising from political unrest and beyond the control of the insured person at the planned destination.
3) Bankruptcy of the Singapore travel agent which the insured person has booked his/her travel and accommodation package.
4) Serious damage to the insured person's residence in Singapore from fire, flood or similar natural disaster (typhoon, earthquake, etc) occurring usually within 1 week before the departure date and which required the insured person to be present at the premises on the departure date.
This coverage is only effective if the travel insurance is purchased before the insured person becomes aware of any circumstances which could lead to the disruption of his'her trip.
5) The insured person being summoned by the Court of Law to be a witness.

If those who were hit by the recent closure and bankruptcy of a big travel agency that you should have already known by now, they will be able to claim their travel insurance for the above reason #3).

Travel insurance has become essential to safeguard one against unforeseen circumstances when overseas. It provides peace of mind should things go wrong, and offers recourse and protection against inconveniences. The recent spate of natural disasters, calamities and civil commotions around the world has made travelers even more aware of the need to have a good travel insurance coverage.

And another very important reason, with respect to the recent #MH370 incident, that I liken with the quote below,

"INSURANCE IS NEEDED not because we must die
But we or our loved ones must LIVE!"

Travel insurance also covers accidental death and disablement benefits on top of other life and personal accident insurance coverage that one might already have.

There are still many other benefits that are covered by a travel insurance policy like
+ Medical expenses incurred during the trip
+ Loss or theft of money and personal belongings while oversea
+ Travel delay
+ Emergency Medical Evacuation
+ Hijack
and many more benefits that might vary among insurance companies.

Hope my inputs will help you to have a better peace of mind, to enjoy for your next holiday.
Cheers!

#MH370: Let's Pray and JOIN IN the 'CROWDSOURCING' search too!

Instead of just praying for #MH370, we may want to join in the search for this missing flight.

Go to http://www.tomnod.com

Above is my laptop screenshot of the website whereby I am allocated a photo of the ocean at the time when #MH370 is believed to have gone missing.
Each pixel on the computer screen represents half a metre of ocean surface. We can zoom in and tag anything that raises suspicion. If multiple people tag the same spot, it will marked and the top 10 marked spots will be inspected.

#PRAYFORMH370

#MH370: Oil rig worker off Vietnam says he saw the burning plane TRUE or FALSE?

An email is being circulated in the internet currently.

It is about an email from an oil rig worker claiming that he saw a burning plane coming down near the oil rig off Vung Tau, Vietnam. 

I hope if this news is true then the authorities must quickly look at the geographical details that are mentioned in the email and take actions to search out and rescue.

For us, let's carry on to pray for all the passengers and crew on board #MH370...

#Car Accidents - 3 to 4 in 1 hour during Peak Hours

Lately, I have been observing Land Transport Authority tweets and found out that there were averaging about 3 to 4 accidents reported in an hour during peak hours. To me, this is alarming. If we can exercise some patience and tolerance, give way and forgive, maybe there will be lesser accidents in a day or hopefully none. Is it because we are KIASU? Scared to lose in English. Actually the more we scare to lose, the more we will lose.

One of the factors that contribute to the determination of car insurance premiums is the claim ratio of the insurance companies. If there are more accidents and more claims, no matter who is right or who is wrong, as long as the whole claim experience is bad, the whole population of cars will be affected by higher car insurance premiums. It is just a matter of the degree of impact. Anyway, all lose, car workshops win!

So, let's be nicer to each other on the road and drive safely and calmly.

Happy driving!