I can’t deny it, I’m part of the “I want it now!” generation where everything is (supposed to be) instantaneous, whether it’s food or services. I can’t stand waiting and my patience is constantly put to the test when it comes to stuff like renewing passports or car insurance.
I think of them as life’s necessary evils. :S
However, more often than not I forget to renew my car insurance. It’s a recurring problem, much like my cell phone bills – I wait for it to be terminated before I call them up and pay. I think of it as a shortcut since I never check my mailbox (either due to pure laziness or being too tired from work is an open question).
It does have its price though – I need to pay for the reconnection fee every time. I also couldn’t claim an accident that wasn’t my fault coz I didn’t know my insurance expired. It’s just like my road tax, except the price is higher. I got caught once by during a routine roadblock and didn’t even realize my road tax has expired. This resulted in a summons. >.<
This is exacerbated by the fact that my car is registered in Sarawak and I haven’t changed the postal address ever since I moved to KL so after that roadblock I just decided to get my old office runner to help me renew my road tax. He tells me when it’s due and I use e-banking to transfer the funds to him and he mails it to me, the services of which I pay him a token amount.
Unfortunately, I also have a tendency of running afoul of traffic offenses…I have always reminded my runner to tell me if that’s the case so I can pay up before he renews it. However, for some Godforsaken reason which is unbeknownst to me, he didn’t tell me that I had an outstanding traffic violation and renewed it for six months instead.
I have an account with HSBC and up till now I didn’t know that they do road tax and car insurance renewal online. You can apply and receive an E-cover note on the spot within 10 minutes!
You can also pay for it via credit card and download and print your insurance policy online! The NCD (No Claims Discount) can also be automatically transferred without hassles if you switch over.
The best thing about it is that you can also get HSBC to automatically remind you when you need to renew your car insurance. It’s easy and very user friendly too! You can check it out here.
Have you ever been in the same situation where you only realize that you haven’t renewed your car insurance or road tax until the last minute?
You’ll love this commercial. Heh!