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Strategies for Preventing House Fires

21 January 2015 By Digital Curator Leave a Comment

More than 4,000 people die every year in fires, and more than six times that many people are injured. Keep your family safe by knowing everything you can about fire safety and prevention.

Of the thousands of people who perish each year in fires, the overwhelming majority – 84 percent – succumb in their own homes. House fires can flare for many reasons, including electrical problems, outdoor fires, and unattended candles. The most common cause of death from house fires, however, is from cigarettes that have been left carelessly lit.

Keeping Your Home Safe From Fire

Many house fires start because of carelessness and can be prevented by taking simple fire safety measures to protect your home. Follow these fire safety tips to reduce the risk of house fires:

  • Be careful in the kitchen. Fire safety and prevention is especially important in the kitchen, so keep kitchen appliances unplugged when you’re not using them (of course, that goes for appliances elsewhere in the house, too). Never leave the kitchen while cooking on the stovetop, and keep flammable items away from the stovetop.
  • Use heaters wisely. Have your furnace or heating system inspected annually, and avoid potentially dangerous causes of fire like kerosene heaters. Always use a screen in front of an indoor fireplace to keep flames away from furniture and drapes, and be cautious when using space heaters — follow all directions to the letter.
  • Be vigilant about cigarettes. If you or a guest in your home is a smoker, watch those butts. Always use a deep, sturdy ashtray. For fire safety, never smoke cigarettes in bed. And before bed or heading out the door, do a quick scan around and under the furniture and linens to make sure there are no still-lit cigarette butts.

by Diana Rodriguez

See Full Story on everydayhealth.com

Filed Under: Tips Tagged With: house fire prevention, how to prevent house fire, preventing house fires

Top 5 Tips for Safe Driving in Heavy Traffic

19 January 2015 By Digital Curator Leave a Comment

As an automobile driver, navigating through heavy traffic can be one of the most frustrating experiences in the world. The seemingly endless slowdown can evoke tremendous stress as short trips are turned into extensive waits. Avoiding traffic entirely is impossible, though there are important techniques that can help minimize the frustrating. To make your next slog through a congestion roadway a bit more manageable, here are a few helpful things to keep in mind.

1. Accept the inevitability of the slowdown. When traffic beings to materialize ahead, there is little that can be done to avoid it; unless an alternative route is available and accessible, you will be forced to wait. Contrary to the belief of many drivers, there are no secret lanes that allow you to pass through congestion faster than those on the road with you. As a courtesy to your fellow driver, and as a means of limiting your frustrations, understand that traffic will slow your commute. By becoming angry, not only will the wait seem to increase, but you can be influenced to make dangerous maneuvers that introduce the possibility of an accident; giving you something to really be upset about. Instead, make yourself comfortable, and be patient; things will begin to clear before you know it.

2. In traffic, keep to the same lane. Many drivers attempt to scoot through traffic faster by constantly moving between lanes. Though this may work in putting you a handful of car lengths ahead of where you would be if you remained in the same lane, the slowing effect it has on everyone around you more than outdoes the miniscule improvement in your position on the road. When vehicles are constantly changing lanes, the flow of traffic is repeatedly interrupted, preventing any possibility for a consistent pace to be achieved.

See Full Story on lessonsofsafety.com

Filed Under: Tips Tagged With: driving in heavy traffic, driving safe in public, tips for safe driving

COE quota on the RISE!

15 January 2015 By Alex Tan Leave a Comment

If you read The New Paper today (15 Jan 2015 page 4), there was a section that talks about the increase of COE for the coming months of February – April 2015.  I still remember the last time when COE prices were around the $10k range, it was during the year 2005-2006. 10 years later, most of these vehicles sold during those period are due  to expire. After doing a check on the January 2015 COE price on One Motoring , there will be at least double the no. of COEs for Cat A and Cat B vehicle.

Given that the price of the current Jan 15 COE is $66k+ (for CAT A), will we be able to see the COE to drop at least half? Well I guess that is what everyone hopes for. But then again if we apply the fundamentals of economics, price will still be depends on the Demand and Supply. I don’t remember we have a 5 million population back in 2005-2006, hence while the supply of COEs has at least doubled, the population of Singapore has doubled too.

Well I guess for those who are looking to buy or change their vehicles, probably its best to head down to any car dealer and start enquiring now. My view of an ideal and practical price for COE will be less than $40k for Cat A vehicle. Of course I would hope it will do down o $10k, but then buying a car in Singapore require some speculation skills. We won’t know for sure how much the price can drop, but before it starts rising back up again its better to get it than to regret it. Hence as long as the price drops to a comfortable range that you can afford, my advise is to buy and don’t hesitate.

Oh and if you decides to get a new one, you will need motor insurance quotes right? Well just contact me and I be happy to provide you quotations from my two partners, China Taiping and Tokio Marine. No obligation guys and don’t be shy to ask. Because if you don’t, you will never know which insurer will provide you the best coverage and premium for that particular model of you want.

Filed Under: Happenings

China Taiping is having SG50 Special Promotion from January to June 2015!

12 January 2015 By admin Leave a Comment

Panda CushionOver the last 50 years, China Taiping is proud to grow with Singapore as a nation, providing comprehensive
protection to her people and their properties. In celebration of Singapore’s 50th birthday in 2015, China Taiping is offering a free Panda Cushion (worth $39.90, while stocks last) for every new purchase of any of the following insurance products:

  • Uni Home Safe
  • Personal Accident Safe
  • Panda Safe insurance

Promotion terms and conditions apply

 

Leave your contact details below to find out more!

Filed Under: Products

Motor Accidents

7 January 2015 By Alex Tan Leave a Comment

While the official work day for 2015 starts on 2nd January, most of the local workforce people are still on a holiday mood. Well I would know that because of the traffic while on my way to work. Instead, 5th of January felt more like the start of the work year.

I left my house at 6.45am and the roads were already full of vehicles. It definitely wasn’t nice to drive in this road condition, having to be more alert especially so early in the morning. The KJE was also quite pack and before I got onto the highway, I could already see the slow moving traffic. To my surprise, it wasn’t because of the large number of cars that suddenly appeared on the highway, it was actually caused by two road accidents which were just within 500m between them.

Both accidents were caused by chain collision. The first one was about five cars hitting consecutively on the front and back, while the second accident involved about three cars. I told myself never to drive on the fast/takeover lane during heavy traffic, which there is a higher chance of getting yourself in such accident if you are not focused. On the 6th of January, another similar accident happened on the same highway, this time involving another five to six cars. And on my way home at around 6.30pm, Brickland road had another accident where a car had hit a traffic lamp post at the junction.

So four accidents in two days, I feel driving on the road these days in 2015 seems more dangerous than ever. I decided to write this post to help those who are puzzled on what to do should they be involved in an accident.

Here are some of the FAQ:

1. What to do when you are involved in a car accident?

  1. Stop your vehicle at the scene of the accident
  2. Check if the people involved in the accident are injured. If so dial 995 for ambulance.
  3. Take a photo of the accident if possible
  4. Take down the registration numbers and insurance companies of all vehicles involved in the accident.
  5. Take down the names, NRIC Numbers, addresses and telephone numbers of the drivers, passengers, injured pedestrians and witnesses.
  6. Give your particulars as and when required.
  7. Call your insurer’s hotline for a tow truck or for further advice on the accident whenever necessary.

2. Do I need to make a report?

Yes. All accidents must be reported to your insurer within the next 24 hours, or by the next working day if it falls during a weekend or PH.

3. What if the accident is minor with not much visible damage or when an amicable settlement could be reached with the parties involved, do I still need to go through all the hassle and make a report?

The answer is still YES. In this case it will be just like calling the report centre and you ‘open’ and ‘close’ the case for your accident. Insurers will prefer all accident cases to be reported to them ASAP, so as to avoid any complication should one party decide to file for claim later. Failure to report your accident will result you to be in a position where your claims could be prejudiced or even rejected by insurers.

4. So how do I make a report? Who should I call?

Check your car insurance policy, usually there will be a hotline indicated or telephone numbers of those authorized workshop.

For more information on motor insurance, kindly refer to my product page listed under personal insurance. Or simply drop me an email to enquire.

While you need to make sure you don’t cause accidents, you would also probably need to ‘avoid’ accident by driving smart. Anticipation and vision will play an important part for you to avoid accidents. Even though you know it’s not your fault, still it is too troublesome to go through the process of claims and even having to send your car to workshop for repair.

So remember to drive safe and stay safe

 

References:

  • Source:  1. Singapore Legal Advice
  • Source:  11. One Motoring

Filed Under: Happenings

Behind the scenes of Credence Insurance Agency

4 January 2015 By Alex Tan Leave a Comment

Having started as an individual agent in the general insurance trade (Sorry, we do not deal with life insurance products.), my clientele at that moment comes from my circle of friends, or through referrals. I was once asked by a client if I was working under any insurance company because technically I don’t work under insurer. I told him I was just an individual agent (which sounded like a freelancer to him). Instead, he advised me by quoting a Chinese saying “跑了和尚,跑不了庙”, which simply means (in layman terms) the temple is there to stay and operate even if the monk decides to leave. He explained that if I work as an individual agent, clients may be worried that there might come a day when the agent disappears from the scene and is unable to service his clients’ insurance needs.  In other words, without a company presence, they do not know if they can trust a sole agent. Without further ado, I understood what he meant and hence Credence Insurance Agency was set up.

I was referred to join China Taiping Insurance as an insurance partner. China Taiping Insurance has a long history that dated back to 1938. Formerly known as China Insurance Co. ltd, ever since the company merged with The Tai Ping Insurance Co. Ltd in 2002, the insurance company decided to consolidate their operations and named themselves China Taiping Insurance Co. ltd in 2009. I was told China Taiping are particularly strong in their commercial business insurance, namely work injury compensation, foreign worker medical, public liability etc. While different insurer has different risk appetite, not every insurer is interested to insure in areas where they are not familiar with. However China Taiping has the typical culture of how Chinese businessman do business, which they are open for negotiation in seemingly complicated deals. This is one aspect which I admire most as it is crucial for insurer to insure clients in all kinds of risks. Well, if there is no risk in this world, why would anybody want to buy insurance products? The support from them is tremendous and it allows me to help clients in complex and difficult situation where insurance protection is required. Therefore, I am proud to have China Taiping Insurance as my principal insurer. While every agency/agent is able to represent three different insurers, I am also glad to have joined Tokio Marine, where they are ranked Top 10 in the general insurance trade. Tokio Marine’s products are priced very competitively which also allow us to have a competitive advantage to offer clients with affordable premium. I have yet to select a third insurer as my partner, but will definitely be looking for one which can compliment the other two.

With such strong support, I will be able to meet my clients with confidence and look forward to a bright future with Credence Insurance Agency.

Filed Under: Happenings

Happy New Year 2015!

1 January 2015 By Alex Tan 2 Comments

Alex TanHappy new year to everyone in Singapore! 2014 may have been good or bad for us, but no matter what happened, it will teach us important lessons so that we can make 2015 a better one.

Credence Insurance Agency (General Insurance) will officially operate in this new year. Through this blog, I hope to be able to bring you a different platform in sourcing for insurance needs, as well as to update news on insurance related articles, accidents and in depth knowledge of insurance products.

While insurance subject may be boring to some, I will also talk about my personal experience in life, business ventures and golf.

Look forward to be able to help you in all your insurance needs.

Have a blessed year ahead!

Filed Under: Happenings

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#02-43, Pioneer Center
Singapore 627605

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