Saturday, 24 March 2018

The Accident That Made Me Switch to DirectAsia Insurance 5 Years Ago



My very first motorcycle at 18 years old was a pre-loved KTM200EGS. 


Back then, it didn’t really mattered to me which company I purchased my motorcycle insurance from. Besides, at that young of an age, there were very limited insurance companies to choose from.


As a student then, I went for the cheapest option - 3rd party coverage, which cost me close to $1,000 per annum for my dirt bike.

Yeah, it’s steep. I know. 

I guess the calculation was based mainly on age and having zero riding experience.


Over the next few years, despite obtaining my Class 2 motorcycle license, I remained riding my trusty Suzuki DR200 as I never had the thought of riding bigger capacity motorcycles because they were all so big and heavy.. I just never thought I could handle it.  



Until one day, I decided to..


I wiped out a chunk of my savings, and got myself a Ducati Hypermotard, while having two other bikes - a KTM200EGS and a Suzuki DR200. 


Owning a Ducati was indeed a dream come true.


Now, Ducatis, the Ferrari of motorcycles, are expensive machines, and so are their spare parts which could easily cost $300 and above, per part.

That was when I saw the need to be insured by a fully comprehensive coverage to ensure my pockets won’t go up in flames from motorcycle repairs should an unfortunate incident happen. 


You know.. its an unexplainable feeling of freedom and pleasure riding a motorcycle but we can’t deny the fact that it comes with a pretty high share of risks. 


Furthermore, I was an everyday-rider, which inevitably increases my chances of getting caught in an accident.


From the comfort of my home, I went online to search for the best insurance policy.
It was really convenient that many companies offered instant online quotes! 


The first company I tried gave me a quote of $2,500 for a comprehensive policy with $600 excess, which blew my helmet away.

Next, I tried DirectAsia Insurance and was quoted $1,300 for a $300 excess comprehensive policy. 



What?! That’s almost a whopping 50% difference.

Lastly, just to be sure I found the best deal, I went onto one other insurance company that quoted $2,000 with similar terms. 

My choice was obvious.

DirectAsia had exactly what I needed – It was the most competitive-priced policy with the widest coverage. 

pc: shutterstock
But, like many skeptical motorists out there, I wasn’t sure if DirectAsia would live up to my expectations when it comes to claims. So I asked some people about its attractive pricing but instead of rejoicing, quite a number of them said “So cheap! Sure very hard to claim one if anything happen!”



Well, I was certainly not intending to be ripped off by a $2,500 policy. Hence, with a leap of faith, I purchased my comprehensive policy with DirectAsia


I recalled it being such a breeze – Fill in the basic details, a few clicks, made the payment online and viola! The policy was e-mailed to me within minutes. Faster than me frying scrambled eggs!


As much as none of us wish any motorists to meet with an accident, I unfortunately did, some time later.

That was when the voices of  critics and scepticism about DirectAsia started to sound in my head, and I started to get a little worried.

“How do I go about this?”
“What if they won’t assist me in my claims?”
“What if they’re going to take a few years to settle this?”
“How much would I have to pay for my hospital bills and vehicle repair?”

Then I realize, those who shed negativity on DirectAsia with me weren’t even their policy holders, and have never been.

pc: directasia
Unsure of what I should do, I made the call to DirectAsia and explained the whole situation to Juliana Wee, the claim specialist who attended to me.


Distressed, I told her how unconfident I was in claiming against the third party despite the fault lying in his inconsiderate driving, and if need be I will claim against my own policy before bearing the consequence of my premium soaring upon the next renewal. 

I escaped the accident with some abrasions and the damages on my motorcycle were purely minor cosmetic, but I was just so afraid because I’ve heard so many incidents where even though the third party was at fault, after months or even years of claim processing, the end result was a 50-50. Furthermore, there wasn't any collision between the third party's vehicle and mine, I figured it might be tricky.. though I had a witness.

pc: dailymail
Juliana was caring, first asking me if I was okay and told me to see a doctor if I was injured. I was just miserably wailing away “my bike injured my bike injured OMG HELP”

She calmed me down by patiently advising what is going to happen, what I should do from hereon, filing of the GIA report, how the investigation process would be like and so on.

pc: directasia
Through the next few weeks, I followed her advises as she guided me at every step of the way, muting all the uncertainties and worries that arose initially.


8 weeks later, I rejoiced upon receiving an e-mail from her, stating that DirectAsia have successfully made 100% recovery claim from the third party, (HALLELUJAH) and my premium will not be affected at all, even for the following renewals.


I was so impressed with how DirectAsia professionally and promptly handled my whole case. 


I was extremely satisfied with the final outcome and since 2013, ALL my motorcycles are insured with DirectAsia. #truestory. 


Managing my policies has been such a breeze and needless to say, my latest Ducati 899 Panigale superbike is insured with DirectAsia as well.


Truly believing that DirectAsia have their policyholders’ interest at heart, I’ve definitely gained more confidence when I’m out riding on the roads, knowing in my heart that my precious two-wheel babies are well insured.

Because that's what they deserve.



Good things must be shared!

From being able to now customize your motorcycle policy with premiums as low as $9/month, with 24/7 claim support, enjoy 5% OFF any motorcycle insurance with the link HERE at DirectAsia when you sign up now! This promo runs through the whole 2018! 


DirectAsia Insurance Singapore

Address: 88 South Bridge Road, Singapore 058716
Tel: 6665 5555


Tuesday, 6 February 2018

Saint.CC - Wearing The World's Strongest #Unbreakable Motorcycle Denim



Denim is one of the most common clothing worn around the world; from fashion, to work, to motorcycling.

PC: Matalan

It's such a versatile fabric that could be worn to so many occasions in hundreds of different ways - from jeans, to skirts, to jackets and jumpers varying through different grades of denim.

PC: Saint.cc

Now as we witness the motorcycling culture take a turn towards the direction of lifestyle-based, Saint.cc have claimed to have created the world's first single layer protection for motorcyclists with the world's strongest denim.



That way, neither Fashion or Safety is compromised.


Designed for riders by riders, Saint.cc have produced the latest impact abrasion resistant fibres for motorcycle denims without any bulky layers or liners.


Through stretching, spinning and blending industrial and military application threads with fabrics like merino and cotton, they have created the #Unbreakable Denim, a functional riding apparel for riders who are style-conscious.


Crash test proven, Saint.cc's #Unbreakable 6.0 is their strongest denim to date, with it being 200 times stronger than standard denim.

pc: saint.cc




To back up their statement with their #Unbreakable material, we witness the denim being abused by a belt sander, to being used as a chin-up bar and repeatedly attacked with sharp knives.

Check out their video here .


PC: Dyneema
Adding to the strong factor, Dyneema® fiber technology used in Saint.cc's range of high fashion safety wear is also utilized by both USA and UK military personal and vehicle armor. It is woven through Carbon Fibre to significantly increase resistance, strength and durability.


The Dyneema® fiber is most concentrated on all impact zones on Saint.cc's #Unbreakable collection, such as knees and elbows, while the remaining areas are covered sufficiently to ensure maximum protection while retaining the wearer's flexibility and comfort.


We used to hear about Kevlar denim solutions that has since been outdated and if you've personally tried it like I did, you'd know that it's heavy with little flexibility. Wearing it under Singapore's hot and humid climates makes it even more uncomfortable.


Compare it with Saint.cc's denim that I found to be lightweight and rather breathable, yet offering the same abrasion resistance, I'd take the latter anytime.

It almost feels like wearing your regular denim, just that this is a hundred times stronger!


However, do note that these are fashion apparels that come without armours, unlike the conventional motorcycling gear brands. I think they're great for short city rides but would recommend a more comprehensive safety gear for longer distance touring!


Find out more at Saint.cc here!





Saint.CC

Website - https://www.saint.cc/
Instagram - https://www.instagram.com/saint.cc/
Facebook - https://www.facebook.com/saintridefastridefree

Monday, 4 December 2017

Shiro Aesthetic Clinic - The Importance of Aesthetic Maintenance, Even More So As A Biker


People tend to think that motorcyclists are rugged.


And the truth is that, we are.


However, being rugged can be an attitude, instead of an outlook appearance.

In the Himalayas
Being an everyday motorcyclist who, at multiple times a year, engage in long distances touring through harsh weather conditions, you may think that I'd be too busy having fun to bother about skincare, let alone other aesthetic maintenance.


But no no no.


I love bikes, but I love beauty as well.


Make up is a wonderful tool, it enhances our features (you can see, even while having a helmet on) and it's like art, you can shape your looks with different colors.

But like everything else, building a good foundation is important and that is - Maintaining good skin.

PC: The Straits Times
We're blessed to have 365 days of Summer here in our tropical island where many women are affected by the high level of heat and humidity melting their make up, messing up their skin, or causing the birth of unsightly freckles/lines from the harmful UV rays.


I'm having it a little more intense, considering the fact that I'm always out on the roads where my skin is exposed to tons of dirt, dust and sweat within that full face helmet.


Yet one commonly asked question I tend to receive is: How do I keep my skin clear and fair?


Like many other girls who dig beauty treats, I do keep a look out for places that could help keep my overall aesthetic in place and this time, thanks to a girlfriend's recommendation, I found
Shiro Aesthetic Clinic and decided to give them a try.


Truth be told, I haven't gone for a single facial treatment since my #MotoHimalaya ride in August and with the festive season around the corner, I'd want my skin to be clear, glowing in radiance, brighter than the Christmas tree lights.

One of their cosy treatment rooms
"Shiro" means "White" in Japanese, and that's exactly what I'm always looking to achieve and upkeep - Fair, clear skin.. From face to body :)


Now, even though I have my own transport, location does place an important factor to me especially when I'm going to frequent the clinic on a regular basis.


So it was perfect when Google Maps showed Shiro Aesthetic Clinic conveniently located in the heart of town - at Mandarin Gallery.

Next, we all know what its like when we encounter doctors or beauticians who try to hard sell their products/services just to hit the sales figures, without genuinely caring about our aesthetic needs. Or, simply telling us what needs to be done based on their opinion, shrugging off any concerns that we may have or doubts we'd wish to clear before undergoing any kind of procedure.


So here's why I fancy Dr Zhang Yijun, who heads the sophisticated clinic.

Listen & Educate

During the consultation, what I appreciated most was he listened intently to me when I shared about my skin needs and other aesthetic queries, before educating me on how the different procedures work with the machines they have encompassing the latest technology and lastly, carefully suggesting the treatments I could go for to achieve my desired results.



After that little chat and exploring the rest of their services from Laser to Lifting treatments, Botox to Fillers, I decided to go with their Deep Cleansing Facial for a start because honestly, my poor skin needs to be properly treated first since it has battled through some really rough climates.

God knows how many layers of Himalayan dust and sand are still clogged in my pores! Time to rid them all now.


The main feature of Shiro's 45-minutes Deep Cleansing Facial was the Diamond Micro Dermabrasion treatment that would shed off dead skin cells and reach deep into the pores to effectively exfoliate the skin, reducing the appearance of scars and fine lines.


Got all comfy here before Jamie started the session off by gently removing my face makeup, carefully not touching my eyes because I still have a dinner appointment to attend after.


Next she worked some Diamond magic along with three different solutions that include Glycolic ccid for exfoliation, Salicylic acid for antiseptic/anti-inflammatory purposes and sealing in Hyaluronic acid to purify and ensure my skin's moisture level after that deep cleanse.


The whole diamond micro dermabrasion process was pain-free other than the skin around the nose feeling a little sensitive at times, maybe because mine was on the dry side.


If you know me, you'd know I enjoy my sleep times a lot haha so the final step saw me me happily dozing off to some classical music for 20 minutes while a soothing mask was left on to treat and tighten those pores.


Skin shining as bright as a diamond after one quick session! Woot!


3 Days after Shiro's Deep Cleansing Facial Treatment still had my skin looking super clean and clear, all ready for this coming Christmas!


They're currently running a facial treatment promo for first-timers like me, at just $180.00 for the first session! So you might just wanna check that out, together with the rest of the services you might be keen in.


And maybe, just maybe.. if you start noticing my face and body changing for the better over time (apart from eating healthy and regular exercise), Shiro might just be the reason why ;)



Shiro Aesthetic Clinic

Address: 333A Orchard Road #03-35 Mandarin Gallery
Singapore 238897
Tel: +65 6235 5655
Email: enquiry@shiroaestheticclinic.com.sg
Website: http://www.shiroaestheticclinic.com.sg
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