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原文：自行购买车辆保险 (FAQ: Buy Motor Insurance Directly)
作者：Tan Kin Lian
翻译：玖伍贰柒
跨度：0.5天

常见问题：自行购买车险

这是一些可以少付车险的方法

1. 设置一个车险过期日前两个月的备忘提醒

2. 准备车辆的以下信息：

– 车辆规格（型号，引擎容量*，注册年份，市场价值*）
– 车主信息（年龄，驾驶年龄，职业）
– 保险种类（全保，第三方，第三方和防盗防火）
– 前一年的无赔偿折扣
– 这一年是否有任何索赔？
– 前一年的保费

* 这些数据并不是必须的，因为有些保险公司并不要求这些资料（他们可以通过车辆型号查询出相关信息）

通常情况下，你一般要购买全额保险。如果车龄太老，保险公司只愿意让你购买第三方保险。

3. 找到顶尖的车辆保险公司热线，比如：NTUC Income，AIG，AXA

4. 打电话去咨询报价。询问直接跟他们购买是否有折扣，让他们给出理由如果报价比前一年的高。（他们为了取得保单或许会给你折扣）

5. 打热线电话去测试如果你对他们的索赔服务质量不了解的话（不要等到发生车祸的时候才打热线电话），看看是否很容易有人回答你的问题以及职员的服务态度等等。

6. 在现在的保单过期两个星期前做出决定。

7. 以下是在车辆保险行业“比较积极”的保险公司联系信息：

American Home (AIG), Tel No. 6419 1000 Fax No. 6835 7401 http://www.aig.com.sg/
AXA Insurance, Tel: 6338 7288 Fax: 6338 2522 http://www.axa.com.sg/
China Insurance Tel: 6389 6111 Fax: 6222 1033 http://www.chinainsurance.com.sg/
HSBC Insurance, Tel: 6225 6111Fax : 6732 0743 http://www.hsbc.com.sg/
India International, Tel: 6347 6100 Fax: 6225 7743 / 6224 4174 http://www.iii.com.sg/
Mitsui Sumitomo, Tel: 6220 9644 Fax: 6225 6371 http://www.ms-ins.com.sg/
NTUC Income, Tel No. 6336 3322 Fax No. 6338 1500 http://www.income.com.sg/
Tenet Insurance, Tel: 6221 2211 Fax: 6221 3302 http://www.tenetinsurance.com/
Tokio Marine, Tel: 6221 6111 Fax: 6224 0895 http://www.tokiomarine.com.sg/

原文：

FAQ: Buy Motor Insurance Directly

Here are the tips to pay less for your motor insurance.

1. Put a reminder in your diary two months before the expiry date of your motor insurance policy.

2. Get the following particulars of your motor car:

Particulars of car (model, engine capacity*, year of registration, market value*)
Particulars of owner (age, years of driving experience, occcupation)
Type of cover (comprehensive, third party only, third party with fire and theft)
No-claim discount for past year
Any claims during the current year?
Previous year’s premium

* these data are optional and may not be asked by some insurers (as they can figure them out using your car model).

Normally, you ask for Comprehensive cover. If your car is too old, the insurer may offer Third Party cover only.

3. Get the hotline number of the top motor insurers, e.g. NTUC Income, AIG, AXA

4. Give a call to the hotline and ask for a quote. Ask them if you give you a discount for calling them directly. If they charge a higher premium than for your previous year, ask them why they are charging more. (They may give you a discount to attract your business).

5. If you are not sure about the quality of the claim service, call the claim hotline now (i.e. do not wait until you have an accident) and see if it is easy to get through and if the staff is polite and friendly.

6. Make your decision two weeks before expiry.

7. Contact Details

Here are the contact numbers of the insurance companies that are active in motor insurance.

American Home (AIG), Tel No. 6419 1000 Fax No. 6835 7401 http://www.aig.com.sg/
AXA Insurance, Tel: 6338 7288 Fax: 6338 2522 http://www.axa.com.sg/
China Insurance Tel: 6389 6111 Fax: 6222 1033 http://www.chinainsurance.com.sg/
HSBC Insurance, Tel: 6225 6111Fax : 6732 0743 http://www.hsbc.com.sg/
India International, Tel: 6347 6100 Fax: 6225 7743 / 6224 4174 http://www.iii.com.sg/
Mitsui Sumitomo, Tel: 6220 9644 Fax: 6225 6371 http://www.ms-ins.com.sg/
NTUC Income, Tel No. 6336 3322 Fax No. 6338 1500 http://www.income.com.sg/
Tenet Insurance, Tel: 6221 2211 Fax: 6221 3302 http://www.tenetinsurance.com/
Tokio Marine, Tel: 6221 6111 Fax: 6224 0895 http://www.tokiomarine.com.sg/

发现要将其中的句子用最简单而不会曲解原意翻出来很难，一方面对中文的相关术语不了解，另一方面还好是多花时间提高英语词汇量和翻译技巧吧。