5 Cara Anda Boleh Jimat Wang Bulanan untuk Minyak Kenderaan

Memiliki kenderaan sememangnya merupakan suatu keperluan pada hari ini. Selain dapat memudahkan pergerakan, ia juga menjadi sumber pengangkutan yang utama lebih-lebih lagi jika tempat tinggal tidak memiliki pengangkutan awam dan jauh dari pejabat.

Namun, memiliki kenderaan juga bererti individu tersebut perlu bersedia dengan bermacam-macam lagi komitmen tambahan lain. Duit pinjaman dengan bank yang perlu dibayar setiap bulan, wang untuk kos servis kereta, wang kecemasan untuk kerosakan mengejut, wang untuk perbaharui insurans serta roadtax, minyak dan juga tol.

Berdasarkan komitmen-komitmen
basic
 yang dinyatakan di atas, ada yang tidak boleh dikawal, seperti bayaran bulanan tetap kepada pihak bank dan yang boleh dikawal oleh kita, seperti kos servis kereta dan penggunaan minyak.

Justeru pada artikel kali ini, Bjak ingin kongsikan kepada anda tips yang boleh dilakukan bagi menjimatkan wang untuk minyak kenderaan anda setiap bulan. Mana tahu, ia sedikit sebanyak dapat membantu anda lebih jimat selepas ini.

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Kurangkan beban/ barang dalam kereta
Jangan biarkan enjin hidup terlalu lama ketika menunggu
Kawal penggunaan aircond
Jangan memecut laju secara tiba-tiba
Servis kereta ikut waktu ditetapkan
Semoga bermanfaat

Kurangkan beban/ barang dalam kereta

Sesetengah daripada kita sering menjadikan kereta sebagai ‘stor’ bagi menyimpan barang-barang. Ada yang meletakkan kotak, beg, kasut dan pelbagai lagi sehingga membuatkan kereta dilihat semak dengan barang yang tidak penting.

Ia mungkin tidak nampak berbahaya memandangkan barang yang disimpan itu hanyalah barang-barang dalam kategori selamat. Namun tahukah anda, ia sebenarnya boleh merosakkan kereta pada jangka masa panjang? Menurut
Automotive Fleet
, lebihan 200 paun (kira-kira 90.7kg) boleh mengurangkan kecekapan bahan api sebanyak satu batu atau kira-kira 1.6km.

Selain menyebabkan petrol anda kehabisan dengan lebih cepat, kereta yang mempunyai atau membawa lebih muatan ini (terlalu berat) juga boleh merosakkan sistem suspensi kenderaan tersebut. Jadi nasihat untuk anda, pastikan anda arif atau mengetahui tentang beban maksimum yang boleh ditanggung oleh kenderaan anda dan cuba elak daripada melebihi had tersebut. Jangan hanya kerana berasa lebih ‘senang’ menyimpan barang dalam kereta, anda akhirnya terpaksa mengeluarkan kos untuk perkara yang anda boleh kawal dan elak dari awal.

Jangan biarkan enjin hidup terlalu lama ketika menunggu

Anda perlu memarkirkan kereta untuk menunggu seseorang dalam tempoh yang agak lama? Jika begitu, matikan dulu enjinkan kereta anda bagi mengelakkan enjin kereta anda berjalan dalam tempoh yang lama.

Dalam pada itu, anda dinasihatkan untuk tidak hidup dan matikan enjin kereta berulang kali dengan kerap dalam tempoh menunggu itu. Ini kerana, ia boleh menyebabkan minyak kereta ‘telan’ dengan lebih banyak.

Hanya matikan enjin kereta sekiranya anda pasti anda akan tunggu lama pada waktu itu dan buka sedikit tingkap untuk mendapatkan udara luar.

Kawal penggunaan
aircond

Anda sendiri pasti sudah tahu bahawa penggunaan penghawa dingin atau
 aircond
 kereta dikuasakan oleh bahan api. Ya, gunakan
aircond
 ketika memandu bukanlah satu isu, namun pastikan anda tidak kerap menggunakannya pada kelajuan/ tahap yang tertinggi.

Lebih sejuk
aircond
anda, bermakna lebih banyak bahan api yang digunakan. Sebaiknya, kekalkan ia pada kelajuan/ tahap yang biasa (lebih rendah). Bagi memastikan kereta anda lebih sejuk supaya tidak perlu membuka
 aircond
 pada tahap yang tinggi laju, anda boleh terlebih dahulu meletakkan kenderaan di kawasan yang teduh.

Jangan memecut laju secara tiba-tiba

Untuk makluman anda, memecut/ mempercepatkan kelajuan kenderaan secara tiba-tiba akan menyebabkan lebih banyak bahan api digunakan.

Selain itu, minyak juga akan cepat habis sekiranya anda terlibat dalam kesesakan jalan raya dan menekan pedal brek dan pedal gas dengan kerap.

Jadi untuk menjimatkan wang anda daripada kerap mengisi minyak, jangan kerap memecut dan jika boleh elak daripada memandu pada waktu puncak.

Servis kereta ikut waktu ditetapkan

Jangan terlepas sebarang janji temu servis kereta anda. Anda pasti tahu kepentingan untuk memeriksa kereta anda dengan kerap. Tukar minyak hitam,
 timing belt, coolant
dan sebagainya apabila diperlukan bagi memastikan anda dapat memandu dengan selamat.

Selain itu, beberapa perkara lain yang perlu diganti semasa pemeriksaan ialah penapis udara dan penapis bahan api.

Kegagalan anda untuk memasukkan penapis baharu apabila tiba masanya bermakna kereta anda akan membakar petrol secara tidak cekap. Selain hanya menggunakan terus bahan api anda tanpa mengikut keperluan, anda juga pada akhirnya sekadar melepaskan gas berbahaya ke udara.

Semoga bermanfaat

Semoga tips yang dikongsikan ini dapat membantu anda menjimatkan minyak kereta selepas ini.

Dalam pada itu, anda juga dinasihatkan untuk memastikan komponen-komponen kereta lain sentiasa berada di tahap yang baik bagi mengelakkan kerosakan. Untuk mengetahui lebih banyak tips mengenai kereta, sila baca artikel-artikel yang telah dikongsikan Bjak sebelum ini.

Bjak menyediakan 15 syarikat insurans untuk pengguna lakukan perbandingan sebelum memperbaharui insurans. Dapatkan
 sebut harga percuma
 di Bjak hari ini dan renew insurans kereta atau motosikal anda dengan mudah dan pantas.


‘How Do I Find Out My Car Insurance Expiry Date?’

As you are aware, your
car insurance
 has an expiry date and has to be renewed every year. If you drive around with an expired insurance policy, beware! You may get an RM300 fine from JPJ, and you don’t want that! So how do you check your car insurance expiry date? Easy. Let’s show you how.

Contents =

Check through the insurance policy or cover note
Check car insurance expiry date online
Step 1: Fill in the particulars at MyCarInfo
Step 2: Check the car insurance expiry date
Bonus: Check the insurance policy status
Step 1: Fill in the particulars at MyCarInfo
Step 2: Get insurance policy information
Renew car insurance at Bjak

Check through the insurance policy or cover note

Still, remember where you keep your insurance policy or cover note?

Your insurance policy or cover note contains important information about your car, including your car’s sum insured, insurance premium, excess amount and insurance expiry date.

So if you can’t remember your car insurance expiry date, simply refer to your insurance policy or cover note. For your future use, make a digital copy of your
car insurance policy
 and cover note. Whether it’s a scanned copy or a photo, just ensure you have a copy that you can access easily.

Check car insurance expiry date online

Can’t recall where you keep your car insurance policy or cover note?

No problem! You can actually check your expiry date online using
MyCarInfo
 for free.

Step 1: Fill in the particulars at MyCarInfo

Head over to
MyCarInfo (NCD Online Enquiry)
. Key in the plate number and IC number of the car owner. Once done, click on the button “GET MY NCD REPORT.”

If your car is registered under a company, please key in the company registration number.

This free service can be used for any vehicle, including motorcycles and rented vehicles.

Step 2: Check the car insurance expiry date

And you’re done! Simply refer to the
“Current Policy Period of Cover”
 to know the coverage period of your existing insurance.

You’ll also obtain the following information:

Next No Claim Discount (NCD) percentage
Next NCD effective date
Current NCD percentage
Current NCD effective date

Bonus: Check the insurance policy status

Say that you would like to know more about your existing insurance, you can use “I-Search”, another free service by MyCarInfo.

Some of the information you can get through “I-Search” includes your:

Insurance provider
Type of cover
Status of insurance policy

Step 1: Fill in the particulars at MyCarInfo

Head over to MyCarInfo (I-Search). Key in your plate number, name and email address. Once done, click on the button “ENQUIRE.”

Step 2: Get insurance policy information

Done! You can view your insurance provider, type of coverage and your insurance policy status whether it is still active or no longer active.

Renew car insurance at Bjak

So the next time you forget your
auto insurance
 expiry date, simply refer to your insurance policy or cover note. An easier way is to check the expiry date online using NCD Enquiry or I-Search at MyCarInfo.

At Bjak, you can renew your car insurance online from the comfort of your home. If you can’t remember your expiry date, just contact Bjak, anytime!

Get Free Quote

Read more:

Risks Of Driving Your Car With Cracks In Windshield
How To Claim Motorcycle Insurance After An Accident
Common Misunderstandings About Comprehensive Insurance


Tukar Warna Cat Kereta? Ini Cara untuk Anda Daftar JPJ

Warna kereta sememangnya menjadi salah satu kriteria utama sebelum kita membeli kereta. Ada yang menggemari warna terang seperti biru atau merah, tidak kurang ada juga yang sukakan warna-warna gelap seperti hitam dan sebagainya.

Berdasarkan data yang diperoleh daripada
Carsome Insight 2020
, warna akromatik (putih dan perak) merupakan warna kereta paling popular di Malaysia, diikuti dengan warna hitam, kelabu, biru dan lain-lain.

Walau bagaimanapun, ada kalanya
taste
 kita mulai berubah dan untuk beberapa tempoh selepas membelinya, justeru perasaan untuk menukar warna cat kereta mulai timbul.

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Perlu dapat kelulusan JPJ
Panduan tukar warna cat kenderaan
Kenapa anda perlu dapatkan kelulusan JPJ?

Perlu dapat kelulusan JPJ

Namun tahukah anda, pengubahsuaian pada warna cat kereta sebenarnya perlu mendapat kelulusan daripada Jabatan Pengangkutan Jalan (JPJ) selari dengan Seksyen (12) Akta JPJ 1987 – Pemeriksaaan Kenderaan Motor dan Pemberian Maklumat kepada Ketua Pengarah.

Permohonan kelulusan pengubahsuaian warna kenderaan ini perlu dilakukan dalam tempoh 7 hari bagi mengelakkan kenderaan daripada dikenakan tindakan undang-undang seperti saman.

Panduan tukar warna cat kenderaan

Untuk pengetahuan anda, proses pendaftarannya adalah sangat mudah malah anda tidak akan dikenakan sebarang bayaran.

Anda hanya perlu mengikut langkah-langkah seperti di bawah ini sahaja:

Sebelum ingin mendapatkan kelulusan daripada JPJ, anda terlebih dahulu perlu mengecat kenderaan anda kepada warna yang baru. Jika lebih daripada satu warna, warna yang paling banyak akan dianggap sebagai warna utama kenderaan anda
Selesai mengecat, anda perlu datang ke pejabat JPJ untuk tujuan pemeriksaan dan kemas kini maklumat
Isikan borang JPJ K8 (pindaan butir-butir kenderaan) dan serahkan kepada pegawai yang bertugas. (Untuk lebih mudah dan pantas, anda boleh download dahulu borang ini di portal rasmi JPJ bagi mengelakkan kesesakan)

Pegawai JPJ akan memeriksa warna pada kenderaan anda sebelum kelulusan diberikan. Jika lulus, maklumat anda kemudiannya akan dikemas kini di dalam sistem MySikap.

Jika anda menukar warna kenderaan secara wrap (dibalut dengan pelekat khas), proses yang sama juga perlu dibuat.

Untuk makluman anda juga, berdasarkan Seksyen (12) Akta Pengangkutan Jalan 1987, setiap pemilik kenderaan yang menukar warna kereta perlu diberi suatu Notis Arah Periksa atau PG1.

Notis tersebut diberikan supaya pemilik boleh memaklumkan kepada JPJ mengenai perubahan warna kenderaan yang dilakukan. Pihak JPJ biasanya tidak mengeluarkan saman atas sebab pemilik menukar warna sesebuah kenderaan. Namun, saman dikeluarkan apabila pemilik ingkar Notis Arah Periksa atau PG1.

Kenapa anda perlu dapatkan kelulusan JPJ?

Mesti ada yang tertanya-tanya mengapa kelulusan daripada JPJ perlu dilakukan sedangkan ia hanyalah penukaran warna cat kereta bukan?

Sebenarnya, ia penting supaya andai kata berlaku insiden tidak diingini seperti kemalangan, kecurian atau sebagainya, maka warna kenderaan yang didaftarkan boleh dijadikan sebagai rujukan. Contohnya daripada aspek tuntutan insurans. Perbezaan antara rekod pendaftaran dan keadaan semasa kereta mungkin boleh menjadi sumber pertikaian semasa
tuntutan insurans
.

Jika kenderaan anda terlibat dalam kemalangan dan pihak insurans mendapati warna kereta yang dinyatakan dalam rekod pendaftaran tidak sama dengan warna semasa kenderaan, pihak insurans mungkin tidak mahu menanggung kerugian yang dialami oleh pemilik. Jadi, ia pasti akan merugikan anda.

Sebaiknya jika anda sudah tukar warna cat kereta, segeralah dapatkan kelulusan daripada JPJ kerana ia tidak sukar dan rumit!

Bjak merupakan platform perbandingan insurans kereta terbesar di Malaysia yang menyediakan 15 syarikat insurans untuk pengguna lakukan perbandingan. Dapatkan
 sebut harga percuma
 di Bjak hari ini dan renew insurans kereta atau motosikal anda dengan mudah dan pantas.


关于 1 号车险常见的误解

相信大家都知道一号车险，即综合型保险是给车主们最完善的保障，其中包括第三方、失火及失窃，还有车主本身因意外造成的损坏或损失。简单来说，这份保险不仅保障投保者，也保障第三方。

但是，还是有很多车主对综合型保险存有误解，所以我们在这篇文章会和大家分享大部分车主对综合型保险的一些常见误解，希望可以让你更好地了解自己的车险保单。

索取报价

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误区一：所有损坏和损失都有保障
误区二：本身受伤也能索赔
误区三：保障车内财物
误区四：若全损保证赔偿一辆车子
误区五：保障所有司机

误区一：所有损坏和损失都有保障

这是很多车主对综合型保险的一个常见误解，尽管综合型保险确实涵盖了各种保障，但要记得的是，并不是所有损坏都能索赔。例如：汽车故障、轮胎损坏、因喝酒影响下驾驶造成的车子损坏等等。

误区二：本身受伤也能索赔

综合型保险主要是集中在车辆损坏，而不是个人手上。想要保障自身安全，你需要的是医疗保险。

误区三：保障车内财物

综合型保险主要只是涵盖车子本身以及出厂时安装的原装配件，并包括车里的个人财物。

误区四：若全损保证赔偿一辆车子

当你的车子被盗或被宣布汽车全损（Total Loss）后，综合保险并不会自动赔偿你一辆车子。必须强调的是，保险公司只会根据市场价值或约定价值做出赔偿，且不会负责你车子的贷款余额。

误区五：保障所有司机

综合型保险只覆盖保单上列出的司机名字，若你将车子借给不在保单上的家人或朋友使用时发生意外，并不能索取赔偿。

所以，不要再误以为综合型保险就是保障所有了！在更新车险时，先了解保单上的细节和条规，以免日后发生意外时才发现不能索赔，损失更多。

在更新车险和路税，选择
全马最大的线上车险平台——必佳Bjak
，在这里你可以一次过比较15家保险公司报价，并根据自己的需求和预算选择合适的保险配套。付款后，车险立即生效，省时方便！今天就到必佳了解更多吧！

索取报价


Bolehkah Tukar Nama Hak Milik Motor Jika Roadtax Mati Lebih 3 Tahun?

Urusan jual beli motor terpakai hampir selesai, namun selepas beberapa ketika anda baru sedar bahawa roadtax motor tersebut sudah lebih tiga tahun tidak diperbaharui. Alamak! Macam mana ya? Bolehkah teruskan dengan proses tukar nama hak milik motor nanti kalau roadtax motor tersebut sudah lama tamat tempoh.

Ya, sehingga ke hari ini, masih ada pemilik motosikal yang memilih untuk tidak
memperbaharui roadtax
 motor mereka kononnya dengan alasan “
nak guna motor ke kedai sahaja
”, “
motor ni tak digunakan sangat dah pun
”, dan banyak lagi. Namun tahukah anda, selagi anda pemilik motor tersebut, anda wajib untuk memperbaharui cukai jalannya pada setiap tahun tidak kiralah sama ada ia jarang digunakan ataupun tidak.

Ini bagi mengelakkan berlakunya sebarang masalah di kemudian hari, termasuklah jika ingin melakukan proses jual beli motor tersebut. Apa yang akan menjadi isu, bolehkah tukar nama motor roadtax mati lebih tiga tahun?

Renew Insurans & Roadtax

Contents =

Apa perlu anda semak sebelum beli motor terpakai?
Semak saman lampau
Roadtax mati tidak lebih tiga tahun
Roadtax mati lebih tiga tahun, bolehkah tukar nama pemilik motor?
Pastikan anda renew roadtax

Apa perlu anda semak sebelum beli motor terpakai?

Selain hanya memberi tumpuan kepada kondisi motor (untuk memastikan ia masih elok dan berada dalam keadaan terbaik), jika anda ingin beli motor terpakai daripada mana-mana individu lain, pastikan anda turut menyemak beberapa perkara di bawah ini:

Semak saman lampau

Sebagai pembeli yang bijak, pastikan anda semak dahulu sama ada terdapat sebarang tunggakan saman yang belum dilunaskan oleh pemilik asal dan lihat jika motor tersebut ada sebarang saman senarai hitam. Mengapa ia penting? Ini bagi mengelakkan sebarang masalah selepas proses tukar nama dilakukan.

Jika ada, pastikan pemilik asal motor tersebut membayar segala saman yang ada terutamanya saman yang disenarai hitam sebelum anda teruskan dengan proses tukar nama.

Roadtax mati tidak lebih tiga tahun

Kebiasaannya, proses tukar nama tidak memerlukan pemeriksaan Puspakom untuk pembelian motor terpakai. Namun, jika anda mendapati bahawa roadtax untuk motor tersebut sudah tidak diperbaharui lebih dari tempoh tiga tahun, maka anda ataupun pemilik asal wajib membawa motor tersebut untuk menjalani pemeriksaan Puspakom.

Pemeriksaan ini adalah wajib bagi memastikan kenderaan tersebut masih berada dalam keadaan baik dan selamat untuk digunakan di jalan raya.

Roadtax mati lebih tiga tahun, bolehkah tukar nama pemilik motor?

Ya, anda masih boleh teruskan dengan proses jual beli motor terpakai dan lakukan tukar nama hak milik motor nanti walaupun roadtaxnya telah expired lebih tiga tahun. Namun begitu, pastikan motor tersebut sudah dihantar ke pemeriksaan Puspakom terlebih dahulu dan jika segalanya telah selesai dan diluluskan, barulah anda boleh meneruskan dengan tukar nama hak milik motor.

Untuk proses tukar nama, pemunya asal motosikal perlu terlebih dahulu hadir ke mana-mana cawangan JPJ dengan membawa dokumen pengenalan diri seperti myKad/ myTentera/ myPR/ passport beserta Borang JPJK3 yang lengkap diisi untuk pengesahan identiti secara biometrik. JPJ akan keluarkan slip rujukan Tukar Milik yang menunjukkan anda telah selesai urusan pengesahan biometrik Tukar Hak Milik (THM).

Kemudian, pembeli pula hendaklah hadir sendiri bagi urusan pengesahan cap jari secara biometrik ke mana-mana JPJ berhampiran yang menjalankan perkhidmatan kaunter dan membawa bersama dokumen pengenalan diri beserta Borang JPJK3 yang lengkap diisi bersama dokumen sokongan seperti JPJK2 atau VOC (geran kenderaan) dan Sijil Puspakom B5.

Selepas selesai THM, secara automatiknya roadtax dan insuran atas nama pemilik lama terbatal. Anda sebagai pemilik baharu pula perlu memperbaharui insurans dan roadtax untuk motor tersebut.

*Pemilik baru disarankan untuk membeli insurans atas namanya sendiri sebelum datang ke JPJ. Ini bagi memudahkan urusan anda di mana akan membolehkan anda untuk menerima roadtax secara terus ketika buat urusan cap jari di JPJ.

Pastikan anda renew roadtax

Jika anda adalah seorang pemilik motor, sila pastikan motosikal anda itu sentiasa memiliki roadtax dan insurans yang sah meskipun ia jarang digunakan. Selain bagi memudahkan urusan jual beli motor (jika perlu kelak), ia juga akan memastikan motor anda dilindungi sepanjang masa.

Untuk memudahkan urusan anda, renew roadtax
 motor serta insurans
 di Bjak. Hanya 5 minit sahaja yang diperlukan!

Semoga perkongsian ini membantu dan bermanfaat untuk anda.

Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan
sebut harga percuma
 di Bjak dan pilih pelan terbaik hari ini!

Renew Insurans & Roadtax

Baca juga:

Cara Tukar Nama Hak Milik Kenderaan Secara Online
Cara Tukar Nama Pemilik Kenderaan yang Sudah Meninggal Dunia
Roadtax Expired Lebih 3 Tahun: Bagaimana Nak Renew?


Car Insurance Deductible: Answers To Frequently Asked Questions

A deductible in car insurance is a predetermined amount you agree to pay before your insurance company starts compensating for losses resulting from an accident.

We covered the basics of a
car insurance deductible
, such as how it works and when you should pay for it before. In this article, we will continue the discussion of deductibles by addressing some common questions people have about them.

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Do different deductible levels affect the insurance premium?
What’s the downside of high deductibles?
Does driving record affect the choice of deductible?
Do I pay a deductible if I hit a car?
Do I pay the deductible if I’m not at fault?
Is it better to have doesn’t deductible and a higher premium?
Understanding car insurance deductible

Do different deductible levels affect the insurance premium?

Yes, your deductible amount certainly affects the insurance premium that you have to pay. Generally, a higher deductible usually means a lower premium, as you agreed to take up more of the expenses by yourself.

The deductible-premium ratio may also vary across insurance companies as each company may have different rules regarding how a deductible is incorporated into a
car insurance
 policy. But on the whole, increasing the deductible from, say, RM500 to RM1,000 will reduce insurance premium costs.

What’s the downside of high deductibles?

Assuming that an unknown driver has accidentally sideswiped a car, costing the owner RM500 worth of damage. The owner has a deductible amount of RM1,000. So, the RM500 will be an out-of-pocket expense for the owner. But, if the owner’s deductible were RM200, the out-of-pocket expense would be only RM200. This means the owner can save the remaining RM300 as the insurance company will cover it.

Does driving record affect the choice of deductible?

Driving record does affect deductible decisions. A clean record merits a higher deductible for lower premiums, while a less-than-clean record warrants a lower deductible at the cost of additional premiums. At the same time, if you reside or frequently drive around an accident-prone area, it would be better to consider the lower deductible/higher premium option as it would save you the trouble of constant out-of-pocket expenses.

Do I pay a deductible if I hit a car?

You won’t have to pay a deductible if you get into an accident without damaging your car. In this case, your liability coverage will cover the other driver’s injuries and property damage, which doesn’t require a deductible. But if your vehicle is damaged and you decide to file a collision claim, you must pay your collision deductible as stated in your policy.

Do I pay the deductible if I’m not at fault?

If the other driver is deemed at fault, their insurance company can pay for your repairs if you file them, and you won’t have to pay your deductible. If you have collision coverage, you can also go through your insurer, who will seek reimbursement (including your deductible) from the other driver’s insurance company. (including your deductible) When the fault is shared, you may pay all or part of your
auto insurance
 deductible.

Is it better to have doesn’t deductible and a higher premium?

This really depends because someone with a low deductible and a higher premium can go through a 10-year period without filing an insurance claim. In this case, the person will have paid more money over that time than someone with a higher deductible.

Assuming that both parties didn’t counter any accidents, the person with a lower deductible would have paid much more insurance premiums. Alternatively, if a person files several insurance claims within a year, driver’s better to have a lower deductible as they don’t have to bear most of the repair costs.

Understanding car insurance deductible

Deductible can be confusing to some, but having the proper understanding of it ensures you choose the right amount when purchasing an insurance policy. Learning about the possible scenarios involving deductibles is an excellent way to strengthen your knowledge and how insurance coverage works.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

Get Free Quote

Read more:

Allianz Motorcycle Insurance Plans
Tokio Marine Car Insurance: Top 3 Plans To Consider
Kurnia Car Insurance: Third-Party Coverage Options


What Happens If You Skip Your Car Insurance Renewal?

As a car owner, it is your responsibility to adhere to the law by ensuring your car has valid insurance and road tax. Read on as we explain car insurance renewal and the consequences of delaying the renewal.

Contents =

Is it an offense if you delay or skip your car insurance renewal?
What are the consequences if you delay/skip renewing insurance
Subject to summons
NCRD rate is reduced
Financial strains
Don’t delay your car insurance renewal
Where can you renew your vehicle insurance?

Is it an offense if you delay or skip your car insurance renewal?

You need valid insurance to ensure that you can renew the road tax for your vehicle to be legally used on the road, according to the Road Transport Act 1987. The absence of insurance may cause failure in your application process for road tax renewal.

Driving without valid insurance will put your life as a driver and your vehicle at high risk. For instance, if the event of incidents like road crashes. Therefore, make sure to renew your insurance to ensure your vehicle is protected in case of any untoward events happen.

What are the consequences if you delay/skip renewing insurance

The followings are the consequences for delaying or skipping insurance renewal:

Subject to summons

This is a common risk for those who fail to renew their insurance coverage.

Be careful, it is not easy to escape from the authorities with the spring up of roadblocks held today.

Therefore, we advise you to renew your expired insurance immediately to avoid your vehicle from getting summonsed at the roadblock.

Isn’t it better to spend the money to renew insurance, rather than having to pay summons? Plus, you can drive past any unexpected roadblocks at ease!

*Note: As of December 31, 2021, there is an exemption for road tax renewal for private vehicles provided your insurance is still valid. You need to provide an e-policy to present it to the authorities in case you run into a roadblock.

NCRD rate
is reduced

NCD can last for a year.

Please note that your car’s NCD will reduce little by little, by year if you delay renewing the insurance.

Example:

Your previous car NCD has reached 55%. However, you skip the insurance renewal for a year after that. Your NCD will drop to 45% and further as long as you don’t renew it.

Financial strains

Delaying the insurance renewal will only cost you more risks and financial burdens.

Remember, your vehicle is not protected under any insurance coverage within the period that you do not renew it. In the event of accidents to your vehicle resulting in severe damages, you will not be able to claim for repair. Instead, you will need to use your money to foot the bill.

Don’t delay your car insurance renewal

Please make sure to get your vehicle covered immediately. Putting the renewal off will only jeopardise your NCD rate.

Activate your vehicle insurance following the set period to avoid the shared consequences.

Where can you renew your vehicle insurance?

You may renew your vehicle insurance at any certified insurance company or Takaful operators. For your convenience, kindly visit Bjak’s website for more options for insurance brands.

You may compare across 15 insurers to get the best insurance coverage. You need to provide your vehicle details and
receive a free quote in just 3 minutes
 through WhatsApp.

Get A Quote

Also read:

A Guide To No Claim Discount (NCD)
Car Insurance Guide In Malaysia


5 Tips To Save Your Submerged Car In Floods!

The monsoon season has arrived again!

The Malaysian Meteorological Department (Met Malaysia)
 has forecasted the monsoon season to occur in early November and end in March next year.

Met Malaysia has reported that heavy rainfall is expected in Kelantan, Terengganu, Pahang, and Johor from November until early January 2022. For Sarawak and Sabah, heavy rainfall is expected in early January and February next year.

It is dangerous and life-threatening if heavy rainfall and high tides occur at the same time.

Contents =

Concerns for car owners
Tips to save your submerged car in floods
Don’t start your car engine
Check gearbox and engine oil level
Unplug and dry electrical components
Flush fuel tank (if necessary)
Preventive measures in a flood risk area
Protect your car with special perils coverage

Concerns for car owners

Other than fearing for the safety of their properties such as houses, individuals with cars will also be concerned that their vehicles will have to wade through heavy rain on the road.

As a car owner, what if you get stranded in floodwaters? What should you do in such a situation? Should you wade through the water or wait until the flood recedes and the rain subsides?

These tips that we will share in the article may be useful for you when your car is stuck in flood.

Tips to save your submerged car in floods

Don’t start your car engine

Do not start your car engine, although the flood has begun to recede.

What should you do in this situation?

Leave your vehicle first and when the floodwaters recede, immediately call a tow truck to take your car to the workshop. Remember, don’t start your car engine.

There may be parts of the engine that have been damaged by the floods that will pose a high potential for short circuits.

Check gearbox and engine oil level

Check your fuel dipstick level. If it is higher than the average level, it means that the water has somehow found its way into your engine.

Please ensure that you flush your car fuel, such as transmission fluid, motor oil, or brake fluid. This is so that there will be no contaminants in the system when fresh fluid is put in.

Take note that the water in motor fuel can cause serious damage to your engine.

Unplug and dry electrical components

Do not forget to unplug all electrical components such as radio, battery, HUD Display and dry them under the sunlight.

Also, wash your car seat cushions and dry them to avoid unpleasant odours.

Flush fuel tank (if necessary)

You must also watch out for your fuel tank. The water may have slipped into the tank when submerged in the floods.

As a precaution, we advise you to bring your car to a workshop for inspection to avoid further damage.

Preventive measures in a flood risk area

Park your car in a higher area to prevent the risk of sinking in the floodwaters.
For safety purposes, cover your car’s exhaust hole with something compact so that water cannot penetrate in the event of a flood
Remove the car battery terminals
Do not leave important things in your car

Protect your car with special perils coverage

Your insurance does not cover damage to your vehicle due to floods or other natural disasters.

However, you can make an insurance claim for the damage if you purchase
special perils cover
. It is an important coverage, especially if you live in a flood-prone area.

If you wish to purchase special perils cover, the premium set for this additional coverage is usually 0.5% of the sum insured.

We recommend you consider adding the special perils add-on cover to your comprehensive policy. You can do so at Bjak, one of Malaysia’s largest car insurance comparison platforms. Compare across 15 leading insurers and get the right coverage for your car. Get your free
car insurance quotes online
 at Bjak.my today.


Claiming Motorcycle Insurance: What to Do After Accidents Involving Cars

Startling data reveals that over 60% of road accidents in Malaysia in the past two decades have involved motorcyclists. Malaysian Institute of Road Safety Research (MIROS) states that on average, 20% out of 500,000 reported accidents annually involve motorcycles.

According to the report, victims of motorcycle accidents are often riders aged between 16 to 30 years old, and the incidents usually occur on main roads. Sadly, most motorcycle accidents often involve four-wheeled vehicles such as cars. Protect yourself and your motorcycle on the road by getting the right motorcycle insurance. Learn the steps in claiming motorcycle insurance in case of a collision with a car!

Get Free Quote

Contents =

Stay calm and take note
Snap pictures
Get the info on accident witnesses
Make a police report
Get in touch with your insurance company
Insurance panel workshop

Stay calm and take note

If you ever find yourself involved in a motorcycle accident, it’s crucial to keep your cool and not panic. Stay calm and take note of all the important details surrounding the incident. These
include the location of the accident, the license plate numbers of all involved vehicles, the names of drivers, and their contact numbers
 for easy communication.

Furthermore, if possible, take note of
the make and model of all involved vehicles
. By doing so, you can make the claims process much smoother and faster.

Snap pictures

After a motorcycle accident involving other vehicles, be sure to take pictures of the incident and the vehicles involved. This step is crucial as the pictures can serve as evidence in case of any problems during the accident investigation process. Don’t let a lack of evidence hinder your claim – snap and secure the proof you need!

Get the info on accident witnesses

Consider yourself lucky if there were witnesses to the accident you were involved in. Try to gather information such as their name and phone number if possible. This information could come in handy if any issues arise during the investigation process. Don’t let a lack of witnesses or information stop you from getting the insurance claim you deserve.

Make a police report

Don’t delay! After gathering all the important information, make sure you report the accident to the police within 24 hours. It’s crucial to provide an accurate and complete report to avoid any potential problems in the future. Make sure no detail is overlooked.

Get in touch with your insurance company

After filing a police report, make sure to contact your insurance company right away to report the accident. This is crucial to avoid any financial losses, including third-party claims. You should also provide a written report to your insurance company and attach supporting documents, such as a copy of the police report, your insurance policy, a copy of your identification card, and your driving license.

Don’t hesitate to take action and reach out to your insurance provider – they’re there to help you in times of need.

Insurance panel workshop

To ensure that your claim can be processed smoothly, make sure to
send your motorcycle to your insurance company’s panel workshop for repairs
. If you choose to repair your bike at a non-panel workshop, you may have to bear the cost of damages using your own funds, even if you’re not at fault during the accident.

And that’s it! Once an insurance panel workshop repairs your motorcycle, you have completed your claim!

As a motorcycle owner, it’s crucial to have valid insurance and road tax at all times. With the right coverage, claiming
motor insurance
 in the event of an accident while riding on the road becomes hassle-free! Don’t take any chances with your safety – ensure you have the proper protection and documentation to ride confidently and safely.

Visit Bjak now to enjoy exclusive discounts, attractive prices and benefits for your motor insurance without any hassle!

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your
free insurance quote
 from Bjak today!

Get Free Quote

Read more:

Comparing Car Insurance: Why You Must Do It Before Purchasing
Car Insurance Add-Ons: Types of Extra Protection You Can Pick
Guide to Car Insurance: The Must-Know Things


Risau Bayar Bil Perubatan Mahal? Ikut 6 Langkah ini

“
Habis duit gaji aku bulan ni….”

Gaji masuk pukul 9.00 pagi, 9:05 habis. Rasanya ramai yang macam ni kot. Mana taknya, macam-macam nak kena bayar bila dah sampai hujung bulan. Bil air, eelektrik, sewa rumah, duit kereta… kalau ikut
 list
 ni baru yang
basic
. Rasanya ada lagi yang lain nak kena bayar kan?

Tapi… lagi ‘sakit’ kalau tiba-tiba anda pula kena masuk wad kecemasan. Tambah pula kalau terpaksa dapatkan rawatan di hospital untuk tempoh yang agak lama.
Confirm!
 Bila tengok bil hospital, mesti selit rasa menyesal bila tak buat benda yang kita patut buat bila sihat dulu.

Jadi, di bawah ini kami kongsikan beberapa langkah yang anda boleh ambil untuk memastikan anda masih boleh tarik nafas lega dengan ‘bil yang tidak dijangka ini’.

Contents =

#1 Dapatkan insurans, ‘kaji’ betul-betul insurans anda
#2 Tahu tahap ‘rangkaian’ syarikat insurans anda
#3 Dapatkan penjelasan
#4 Dapatkan pra-kebenaran
#5 Bersiap sedia dengan segala kemungkinan/ kecemasan
#6 Dokumentasikan semuanya!

#1 Dapatkan insurans, ‘kaji’ betul-betul insurans anda

Pastikan anda ada membuat survey dan meniliti pelan anda. Bukan sign dan bayar je tau! TELITI betul-betul, baca satu per satu. Fahamkan apakah pelan dan perlindungan yang anda telah ambil.

Anda  pasti ingin mengetahui perbelanjaan perubatan  yang akan dilindungi oleh penyedia insurans anda, jadi sebab itulah anda perlu tahu segalanya. Barulah mudah urusan anda nanti.

#2 Tahu tahap ‘rangkaian’ syarikat insurans anda

Syarikat insurans pada kebiasaannya mempunyai hubungan dan akan bekerjasama dengan penyedia penjagaan kesihatan, makmal, hospital dan lain-lain dalam industri yang menawarkan rangkaian perlindungan – di mana pelanggan insurans yang akan memperoleh manfaat daripada rangkaian perlindungan ini.

Apakah maknanya untuk anda? Sebenarnya, jika anda memilih untuk mendapatkan rawatan selain daripada apa yang ditawarkan, anda mungkin perlu berdepan dengan dengan bebanan kewangan yang lebih besar. Ingat, syarikat insurans hanya akan membayar sehingga jumlah yang ditawarkan oleh penyedia perkhidmatan dalam rangkaian mereka, dan anda perlu membayar yang selebihnya.

#3 Dapatkan penjelasan

Tanya, tanya, dan tanya doktor atau hospital pilihan anda sama ada prosedur yang anda perlu lakukan di hospital itu akan ditanggung oleh syarikat insurans.

Ingat! Sekiranya doktor meminta anda untuk melakukan ujian air kencing atau sebarang ujian lain, tanya mereka sama ada ia akan dilindungi insurans, dan berapakah kos untuk prosedur berkenaan.

#4 Dapatkan pra-kebenaran

Elakkan bil melambung. Dapatkan pra-kebenaran sebelum menjalani sebarang pembedahan dan cadangkan pengesahan bertulis daripada doktor bagi memastikan anda mendapat perlindungan insurans.

#5
 Bersiap sedia dengan segala kemungkinan/ kecemasan

Sememangnya, tiada sesiapa yang inginkan perkara di luar jangkaan berlaku pada diri kita. Namun, sekiranya berlaku sesuatu kecemasan, anda tidak akan mempunyai masa untuk log masuk ke laman web syarikat insurans dan mencari hospital manakah yang dilindungi syarikat insurans anda.

Sila ambil tahu tentang hospital terdekat yang manakah ada menawarkan perlindungan insurans buat diri anda, dan jika perlu, tahu juga perkhidmatan ambulans yang dilindungi syarikat insurans anda. Ingat, kos perkhidmatan ambulans juga agak mahal, jadi lebih baik anda bersiap sedia.

#6 Dokumentasikan semuanya!

Telefon penanggung insurans dan doktor anda bagi mendapatkan penjelasan mengenai pelan perlindungan insurans adalah bagus, tetapi mengapa anda tidak mengambil langkah awal dengan mendapatkan semuanya secara bertulis. Ini bukan sahaja dapat mengurangkan kekusutan anda apabila berlaku pertelingkahan mengenai perlindungan insurans yang anda cuba dapatkan, malah anda juga boleh gunakan ia untuk membantah sebarang perkara yang dirasakan tidak sesuai dan betul nanti.

Dapatkan perlindungan insurans terbaik hanya di
bjak.com/life/
. Berhubung dengan
ejen kami untuk tahu lebih lanjut mengenai pelan yang disediakan.


Car Insurance And Takaful Offered At Bjak

Bjak is
one of the biggest insurance comparison sites in Malaysia
. Due to its convenience, over three million users have chosen Bjak to compare multiple insurers all on a single platform.

In order to help you secure the best car insurance or
takaful
, we are sharing some of the key and special benefits of car insurance and takaful providers available at Bjak.

Contents =

Etiqa Takaful
Takaful Malaysia
Takaful Ikhlas
Zurich Takaful
Allianz
Pacific & Orient
RHB
Liberty
Lonpac
MSIG
MPI Generali
Tokio Marine
Chubb
Get car insurance and takaful at Bjak

Etiqa Takaful

Etiqa Takaful offers Shariah-compliant comprehensive coverage that covers your car against damages and losses due to car accidents, fire or theft. It also provides coverage to the third party in the event of bodily injury, death, damages and losses to the third party.

Through comprehensive coverage by Etiqa Takaful, you can enjoy the following key benefits:

Cash rebates up to 30% with the “Drive Less Save More” add-on
Reimbursement according to the
agreed value
,
not
market value
Automatic coverage for all authorised drivers
24/7 emergency hotline
Cash back when you make no claims
Free towing
 up to 200km

Special benefits:

Free
all drivers coverage
No
excess
 for drivers above 21 years old

Further information:
Etiqa Takaful’s product disclosure sheet for private cars (comprehensive)

Takaful Malaysia

Takaful
myMotor
under Takaful Malaysia provides cover to your vehicle against losses or damages as well as third party legal liabilities.

For your information, there are two coverage options under Takaful
myMotor
 which are:

Comprehensive cover
Third party, fire and theft cover

Through comprehensive coverage by Takaful Malaysia, you can enjoy the following key benefits for free:

Unlimited 24-hour towing up to 50km (one-way trip)
24-hour roadside assistance
Battery jumpstart or replacement
Emergency delivery of petrol when your car is out of fuel
Service for change of flat tires
Extensive
panel workshops
 all over Malaysia

Special benefits:

Free all drivers coverage
Free
personal accident cover
 of RM15,000 per life in one lump sum for driver and passengers in the event of accidental death or total permanent disability
Cashback up to 7.5% for making no claims during coverage period

Further information:
Takaful Malaysia’s product disclosure sheet for private cars (comprehensive)

Takaful Ikhlas

Takaful Ikhlas offers Shariah-compliant comprehensive coverage for policyholders’ cars against damages and losses due to accidents, fire and theft. It also provides coverage against third party legal liabilities in the event of bodily injury, death, damages or losses of the third party’s property.

Through this takaful plan, policyholders enjoy the following key benefits for free:

24-hour towing up to 100km
Roadside assistance by
Bantuan IKHLAS Road Assist

Battery jumpstart or replacement
Service for change of flat tires
Emergency delivery of petrol when your car is out of fuel
Locksmith service when you are locked out of your car

Special benefits:

Free 10
additional named drivers
Free personal accident coverage up to RM10,000 exclusive for policyholders

Further information:
Takaful Ikhlas’ product disclosure sheet for private cars (comprehensive)

Zurich Takaful

Comprehensive policy by Zurich Takaful gives protection to policyholders from any loss or damage of their property due to accidents, fire or theft, and third party’s claims, which include the loss or damage to the third party’s property, injury or death.

Through comprehensive coverage by Zurich Takaful, you can enjoy the following key benefits:

Free 24-hour towing up to RM200
Free additional named driver coverage
24-hour claims assistance

Special benefits:

Waiver of betterment cost
 additional cover
E-hailing additional cover

Further information:
Zurich Takaful’s product disclosure sheet for private cars (comprehensive)

Allianz

Comprehensive policy by Allianz also gives protection to policyholders from any loss or damage of their property due to accidents, fire or theft, and third party’s claims including the loss or damage to the third party’s property, injury or death.

Through comprehensive coverage by Allianz, you can enjoy the following key benefits:

Free 24-hour emergency towing up to 150km
Free one additional named driver
24-hour claims assistance

Special benefit:

E-hailing additional coverage
 is available

Further information:
Allianz’s product disclosure sheet for private cars (comprehensive)

Pacific & Orient

Comprehensive policy by Pacific & Orient also provides insurance against loss or damage to your vehicle, liability to third parties for bodily injury or death, and damage to third parties’ property.

You can enjoy the following benefits for free through their comprehensive plan:

24-hour towing up to RM350
24-hour roadside assistance
Battery jumpstart or replacement
Petrol delivery when your car is out of fuel
Service for change of flat tires
One additional named driver
24-hour claims assistance

Special benefits:

Unlimited coverage for total liability for third party bodily injury and death
The total liability is limited to RM3 million for third party property loss or damage in respect to one claim or series of claims arising out of one event
Legal cost cover up to a maximum of RM2,000 for defense of any charge including the charge of causing death by driving the vehicle

Further information:
Pacific & Orient’s product disclosure sheet for private cars (comprehensive)

RHB

RHB Insurance also offers comprehensive coverage that provides coverage for the policyholders and third parties.

Some of the key benefits that you can enjoy for free include:

24-hour towing up to RM300
24-hour roadside assistance
Battery jumpstart or replacement
Petrol delivery when your car is out of fuel
Service for change of flat tires
One additional named driver
24-hour claims assistance

Special benefits:

E-hailing additional coverage is available
Full body spray painting additional coverage is available

Further information:
RHB Insurance’s product disclosure sheet for private cars (comprehensive)

Liberty

Like most motor insurers, Liberty Insurance also offers three coverage plans as follows:

Comprehensive (EZY Plus)
Third party, fire and theft
Third party

For comprehensive coverage, some of the key benefits provided for free are:

24-hour emergency towing up to 150km
Roadside assistance
Battery replacement or jump start
Petrol delivery when your car is out of fuel
Service for change of flat tires
One additional named driver
12-hour claims assistance

Special benefits:

Complimentary personal accident coverage for poliycholders up to RM10,000
Free medical expenses reimbursement for poliycholders up to RM1,500
Free child seat replacement when it is damaged due to an accident or stolen

Further information:
Liberty’s product disclosure sheet for private cars (comprehensive)

Lonpac

Lonpac also offers three coverage plans for private cars which are:

Comprehensive
Third party, fire and theft
Comprehensive (
Motor ezSecure
)

Through Lonpac’s comprehensive policy, you can enjoy the following key benefits:

Complimentary 24-hour towing service up to RM200
Free 24-hour roadside assistance
24-hour claims assistance

Special benefits:

Free all drivers coverage
Transportation allowance
Impact damage cover caused by falling objects due to convulsion of nature
Document replacement allowance during smash and grab incident while driving

Further information:
Lonpac’s product disclosure sheet for private cars (comprehensive)

MSIG

MSIG is another insurer at Bjak that also offers three coverage plans as follows:

Comprehensive
Third party, fire and theft
Third party

Some of the key benefits that MSIG’s comprehensive policyholders enjoy for free are:

24-hour towing service up to RM200
One additional named driver
24-hour claims assistance

Special benefit:

E-hailing additional coverage

Further information:
MSIG’s product disclosure sheet for private cars (comprehensive)

MPI Generali

MPI Generali also offers comprehensive coverage that provides insurance coverage against liabilities to the third party for bodily injury and death, third party property loss or damage and loss or damage to your own vehicle due to accidental fire, theft or an accident.

Through MPI Generali’s comprehensive policy, you can enjoy the following key benefits for free:

24-hour towing up to RM300
One additional named driver
24-hour roadside assistance
24-hour claims assistance

Special benefit:

E-hailing additional coverage

Further information:
MPI Generali’s product disclosure sheet for private cars (comprehensive)

Tokio Marine

Tokio Marine also offers three coverage plans as follows:

Comprehensive
Third party, fire and theft
Third party

Through Tokio Marine’s comprehensive policy, you can enjoy the following key benefits for free:

24-hour towing service up to RM200
One additional named driver
24-hour roadside assistance
24-hour claims assistance

Special benefit:

Waiver of betterment cost additional coverage

Further information:
Tokio Marine’s product disclosure sheet for private cars (comprehensive)

Chubb

MY Car
 comprehensive insurance by Chubb provides insurance against liabilities to third parties for injury or death, damage to other parties’ property, as well as accidental or fire damage to your vehicle or theft of your vehicle.

Through Chubb’s
MY Car
 comprehensive, you can enjoy the following key benefits:

24-hour towing up to RM400
One additional named driver
24-hour roadside assistance
24-hour claims assistance

Special benefits:

Full body spray painting additional coverage is available
Car cleaning service additional coverage is also available
Temporary replacement car service and hotel accommodation reimbursement are available

Further information:
Chubb’s
MY Car
 product disclosure sheet for private cars (comprehensive)

Get car insurance and takaful at Bjak

We have shared above some of the key and special benefits offered by car insurance and takaful providers at Bjak. In order to gain more information, please refer to the respective product disclosure sheets and policy wordings. Before you purchase any insurance plan, you are advised to compare the coverages, complimentary benefits as well as premiums offered by different insurers.

In order to easily compare across insurers, simply use Bjak as you can get up to 15
car insurance quotes for free
. Once you find the best plan that meets your budget and needs, you can proceed to
renew your car insurance online
 and get your policy activated in just 5 minutes.


你了解汽车保险里的“附加保费”（loading）吗?

尽管每年都需要更新车险，但有的车主对于保单里的一些重要
条款
仍然不太了解，就像：
额外修车费用（Betterment）
、
自付金额（excess）
、
额外修车费用豁免保障”（Waiver of Betterment）
，以及附加保费（loading）。

Contents =

什么是“附加保费”（loading）？
投保人需要付多少的“附加保费”？
更新车险前仔细了解车险条款

什么是“附加保费”（loading）？

附加保费指的是高风险车主需要支付的额外费用。保险公司将根据一些风险向投保人收取一定的保费，以确保与保险公司将承担的风险相对称。

保险公司所考虑的风险因素包括：司机的年龄、驾驶习惯、引擎容量（cc）、驾驶记录、索赔记录、车龄等等。

投保人需要付多少的“附加保费”？

针对相同的风险，每家保险公司的附加保费率也有所不同，一般为15%至35%。保险公司承担的风险越高，所需支付的附加保费率就越高。

举个例子：

阿明有一辆2007年注册的XX牌汽车，已使用将近15年。在过去的15年里，阿明从未提出过任何索赔，其
无索偿折扣率
也达到了55%。然而，由于车子太老旧，当他更新车险时，保险公司向他收取了30%的附加保费。

因此，阿明在2022年更新车险时所需付得保费如下：

加了附加保费但未扣
无索偿折扣率（NCD）
之前：

基本保费
RM427.30
附加保费
RM128.90
总数
RM555.49

扣掉
无索偿折扣率
后：

RM555.49-RM305.50（无索偿折扣率55%）=RM249.97

附加SST税（6%）和印花税后需支付的保费金额：

RM249.97 + RM15 （SST）+RM 10（印花税）=RM 274.97

因此，阿明2022年更新车险需付 RM 274.97。

更新车险前仔细了解车险条款

一般而言，保险公司收取的附加保费（loading）越高，所需缴付的保费就越贵。因此，在
更新车险
之前，车主最好比较每家保险公司所收取的附加保费，以确保你需缴付的保费是最低的。

我们建议你在
更新车险
前，先深入了解
保险的类型
及保单上的
条款
。千万别为了省小钱而损失更多，
全面保障的保险
才能有效减轻你的负担。

如果想要
更新车险
，可以到全马领先的车险比较平台——必佳。在必佳，你可以一次性比较15家保险公司的报价，这不但能让你省下更多时间，还能找到符合自己需求的最佳方案！

今天就到必佳了解更多！

获取报价

延伸阅读：

汽车保险：更新车险前要考虑的5个重要问题
汽车保险：影响保费价格的10个因素
汽车保险：更新车险的7大省钱方法
汽车保险保费提高的原因
汽车保险完整指南


2.4CC 车子路税价格大解析！

相信大部分的车主们都清楚，马来西亚路税是根据车子的引擎容量CC来计算价格。简单来说，汽车引擎容量CC越大，所需要缴付的金额就越高。

那么对于2.4CC的车子，路税价格是多少呢？引擎容量2.4CC的大多都是大车，像是丰田Vellfire、三菱Triton或丰田Hilux，如果您是第一次为2.4CC车子更新路税，不妨参考以下的预算价格。

索取报价

Contents =

2.4CC 车子的路税估价
如何检查路税价格
必佳更新路税非常方便

2.4CC 车子的路税估价

这里必须提醒大家，马来西亚半岛和东马沙巴、砂拉越的路税价格是不一样的，东马的路税价格比半岛地区更加便宜。

1. Perodua Perdana 2.4CC 路税价格

虽然现在可能已经很少人驾驶宝腾将相，但肯定也有部分拥有宝腾将相2.4CC汽车的车主，想要知道它的路税价格。这里就告诉您，若是西马搬到，那么一年的露水价格是RM734，至于东马沙巴和砂拉越则是RM451。

注意，以上价格只是路税，不包括车险费用。您可以为爱车更新一年或6个月的路税。如果您选择更新6个月，那只需要支付一半的价格，即RM367。但是，不要忘了6个月后需要再一次更新。

2. Honda Accord 2.4CC 路税价格

据说本田雅阁在马来西亚相当受欢迎，如果您也拥有一辆本田雅阁2.4CC轿车，那么您需要支付的路税价格是西马半岛RM736，东马沙巴和砂拉越为RM451。

只要您拥有的是同一辆车，那么您每年需要支付的路税价格通常都是一样的，只有车险价格就会发生变化。当然，记得先更新车险，这样才能顺利更新路税。

3. Vellfire 2.4CC 路税价格

接下来，我们将告诉您丰田威尔法2.4CC的路税价格，在西马半岛是RM729.60，至于沙巴、砂拉越则是RM410。

如果您拥有的丰田威尔法引擎容量是2.5CC，那么您需要支付的价格就会有所不同。西马半岛为RM874，沙巴和砂拉越则是RM521。

4. Hilux 2.4CC 路税价格

如果您拥有类似于Hilux的四轮驱动车，且引擎容量是2.4CC的，那么半岛的路税价格大约是RM775，至于东马则是RM470.50。

如何检查路税价格

如今，市场上已经有越来越多汽车品牌推出2.4CC引擎容量的车子，但尽管引擎容量一样，车型不一样，即轿车和非轿车，如：SUV、MPV或小型客货车等等，路税价格就会有所不同。

或许，您没有意识到，其实您可以通过现有的路税贴纸或电子路税查询路税价格。贴纸上都会注明6个月或12个月的路税价格，具体价格取决于您的路税期限多长。

必佳更新路税非常方便

必佳不只提供在线更新路税的便利，您还可以选择是要收到贴纸，或政府自今年2月推出的电子路税。

在必佳更新路税非常简单、安全，只需要根据以下步骤，5分钟就能获取车险和路税！

1. 浏览必佳官网
www.bjak.my
 。

2. 选择汽车或摩托保险，然后点击“索取免费报价”。

3. 输入车牌、姓名、身份证等个人资料。

4. 5分钟内通过WhatsApp或电邮获取18家保险公司报价。

5. 根据需求选择合适的保险配套。

6. 选好保险公司后，同时选择【更新路税】。

7. 然后就是付款啦！您也可以选择分期付款。

8. 付款后，车险和路税即时生效！

注意：如果您选择路税贴纸，那么您将会在2-3个工作天内收到。

更新车险和路税上，当然是选择
全马最大的线上车险平台——必佳Bjak
，在这里你可以一次过比较18家保险公司报价，并根据自己的需求和预算选择合适的保险配套。付款后，车险立即生效，省时方便！今天就到必佳了解更多吧！

索取报价


How to Renew Car Insurance

When it comes to renewing car insurance, you can choose to do it either online or offline. For your guide, we are going to explain both ways to renew car insurance in this article.

Contents =

Renew car insurance online through insurance comparison sites
Renew car insurance online directly with insurance providers
Renew car insurance offline
Why using insurance comparison sites is the best way to buy car insurance
Convenience and accessibility
More insurance policies to choose from
Cheaper insurance premiums
Compare insurance policies before you buy car insurance

Renew car insurance online through insurance comparison sites

Use insurance comparison sites to renew car insurance online

To secure the most coverage at the best price, we recommend you use insurance comparison sites. These sites enable you to easily obtain and compare quotations from multiple insurers. One of the biggest insurance comparison sites in Malaysia is Bjak.

You can compare and renew your car insurance at Bjak in 5 simple steps:

Request free car insurance quotes at Bjak’s website
Receive your free quotations via WhatsApp or email
Compare insurance quotations and choose your preferred insurance
Customize your insurance policy and include any
 add-ons that you need
Proceed to make payment

Done! You will get your insurance e-cover note through WhatsApp or email in under 5 minutes! As an added service, Bjak can also help you renew your road tax. Easy, right?

Renew car insurance online directly with insurance providers

You may also renew your car insurance directly with insurance providers of your choice. For example, say that you want to get insurance from Insurance XYZ, you simply have to go to Insurance XYZ’s website to renew your insurance.

Most insurance providers today do offer online insurance renewal, but do check whether your preferred insurance provider offers this service. The main benefit of renewing car insurance online directly with insurance providers is the automatic 10% rebate.

These are the steps to buy car insurance online directly with insurance providers.

Key in your vehicle registration number
Check the particulars of your car and your personal particulars
Enter the postcode of your car location
Key in your IC number
Add any
motor insurance
 add-ons that you need
Proceed to make payment

You will receive your insurance cover note and policy through email.

Renew car insurance offline

To renew your car insurance offline, you can visit the outlet of any registered agents of your preferred insurance.

An insurance agent’s outlet that provides car insurance renewal service

Visit the outlet of any agent registered with the insurance of your choice
You
may
 be asked to provide your insurance cover note or policy and vehicle ownership certificate (VOC)
Choose your insurance type: (1)
Comprehensive Insurance
, (2) Third Party, Fire and Theft Insurance, and (3) Third Party Insurance
Determine the sum insured for your car based on the market value or agreed value
Get quotations from the agent
You can ask the agent to add any motor insurance add-ons that you need
Proceed to make payment

Get a physical copy of the insurance cover note and policy from the agent.

Why using insurance comparison sites is the best way to buy car insurance

The best way to renew car insurance is through insurance comparison sites as you can enjoy the following benefits:

Convenience and accessibility

As long as your electronic device is Internet-connected, you can get your insurance renewed anywhere, anytime. You can also spare yourself the hassle of queuing at a counter.

More insurance policies to choose from

You can get multiple quotations from various insurers all at once. If you choose offline insurance renewal, you may have to visit a few outlets because a physical agent may not be an agent to most insurance providers.

Cheaper insurance premiums

Insurance premiums vary after the liberalization of motor insurance tariffs in 2017. By using insurance comparison sites, you can easily compare insurers in terms of the benefits and premiums they offer.

Compare insurance policies

before you buy car insurance

We have shared the steps to renew your
vehicle insurance
, both online and offline. We hope our sharing can help you renew your insurance conveniently.

Please remember to first compare insurance policies before you buy any.  For your convenience, you are highly encouraged to use Bjak to compare up to 15 insurance quotations for free. Bjak can even help renew your road tax and deliver it to your doorstep.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

Get Free Quote

Read more:

Risks Of Driving Your Car With Cracks In Windshield
How To Claim Motorcycle Insurance After An Accident
Common Misunderstandings About Comprehensive Insurance


微型交通工具禁上路  最高罚款RM300

交通部长拿督斯里魏家祥指出，
特定微型交通工具（mikromobiliti）不得在公路上使用，其中包括住宅区和旅游区的的公路。

交长：只要是公路都禁止使用

本月26日
，魏家祥在布城交通部召开记者会
，他援引2021年颁布的2021道路交通条规（禁止使用微型交通工具），即日起禁止特定的微型交通工具在公路上行驶，以保护骑行者及其他道路使用者的安全。

被禁止在公路上行驶的微型交通工具包括：

轻便摩托车（MOPED）
特定的微型机动车，如：电动滑板车，引擎滑板车，人力滑板车
行动辅助工具（PMA）

交通部所列举的3种类型的微型交通工具。

此举引起热议，因为许多旅游胜地如吉胆岛、邦咯岛、适耕庄、吉隆坡市中心、马六甲及槟城等都会有商家提供旅客租赁轻便摩托车或电动滑板车的服务。

针对这一点，部长强调，只要是公路都禁止使用，除了马路和桥之外，这类交通工具能在任何地方行驶，如私人场地或室内游乐园。

他举例，如果度假村的范围很大，游客们可以在度假村范围内使用轻便摩托车。

资讯来源：
马来西亚交通部（Ministry of Transport Malaysia ）

违规者最高罚款RM300

任何人士一旦被发现在公路上（包括人行道）使用被禁止的特定微型交通工具，将被视为触犯1987年陆路交通法令（333法令），违规者会被罚款最高300令吉。

此外，若在骑行微型交通工具时不小心撞到人，涉及意外，骑行者也抵触陆路交通法令第41至45及51条文。

部长指出，虽然脚踏车没有被禁止上路，但使用者必须遵守1987年陆路交通法令（333法令）的相关条文。

他指出，只有符合MS 2514-马来西亚标准，即时速低于25公里的电动脚车，才获允许在公路上使用。此外，此类电动脚车不能装置油门，且需有永久固定在车身的脚车踏板。

大马道路交通安全研究院（MIROS）已推出
使用脚踏车的安全指南
，公众可以到其官方网站下载相关的指南。

——————————————————————————————————————————————

拥有一份有效的汽车保险也是驾驶者的责任，而车险存在的最大意义就是为了让车主在遭遇意外时有所保障，减轻财务负担。

全面保障的汽车保险
不仅保障驾驶者本身，同时也保障第三方，因此车主在
更新车险
时，务必深入了解
保险的类型
及保单上的
条款
。

在必佳更新车险，您可以
比较15家保险公司的报价
，还可以“
先更新后付款
”，今天就到必佳了解更多。

索取报价

延伸阅读：

开斋节安全行动29日开跑 5交通违规需上庭
陆交局邀全民监督 开斋节安全驾驶
开斋节假期前后 30条大道过路费豁免或折扣


有了车险，就不怕爆镜？

你知道吗？汽车大镜是最脆弱的汽车配件之一，在高速行驶中很容易就因为各种原因破裂。如果车镜出现裂痕后置之不理，长时间下来只会导致裂痕加大，最后完全破裂，危及驾驶员和车上的乘客安全。

正因为如此，综合型保险都有提供汽车大镜保障，所以车主在维修时可以向保险公司提出索赔。但，相信很多车主最关注的问题就是会否失去无索偿折扣率（NCD）呢？继续阅读本文，将为您分享索赔手续。

索取报价

Contents =

为什么车大镜出现裂痕后不更换会有危险？
汽车大镜爆裂，可以索赔吗？
汽车大镜的索赔方法
为爱车提供保障

为什么车大镜出现裂痕后不更换会有危险？

在了解索赔的信息之前，我们先来谈谈汽车大镜损坏后带来的风险。

1. 影响视线

当车镜出现裂痕，可能会影响驾驶者视线模糊、扭曲，或视野受阻，从而影响驾驶者的观察能力，无法准确察觉其它车子、行人或障碍物，增加发生交通事故的风险。

2. 影响车子功能

实际上，完好无损的挡风镜可以增加车顶40%的强度，所以要记得，挡风镜真的是非常重要的汽车部件。当车大镜出现裂痕时，若再发生车子翻转，车顶可能会坍塌，并导致车内乘客严重受伤。

3. 致命意外

车大镜的设计是为了可以在发生事故时保护您、您的乘客和爱车。但，如果车镜已经出现裂痕，再发生碰撞的话，只会对您和车内乘客造成威胁。更糟糕的是，如果没有系好安全带，还可能因此甩出车外！

所以，真的不要开玩笑！开车路上请务必确保车子挡风镜完好无损，如果发现裂痕，就必须马上送到维修厂更换。

汽车大镜爆裂，可以索赔吗？

只要是持有综合型保单，都是“可以”向保险公司提出索赔的哦！

但，这里要注意的是，
如果您是没有给“汽车大镜”购买附加保险，那么一旦提出索赔，就会失去无索偿折扣率（NCD）。

若是有给车大镜购买附加保险，那么提出索赔后，也不会影响无索偿折扣率（NCD）。温馨提醒，一年只能索赔一次哦！

汽车大镜的索赔方法

1. 将车子送到保险公司指定的汽车维修厂。如果您不确定是哪一家，请拨打保险公司的热线电话。

2. 填写保险索赔表格，确保您已经通知汽车维修厂的工人您会向保险公司提出索赔。

3. 待车镜修好后就可以离开，无需支付任何维修费用和工钱。

在提出索赔时需要准备的文件：

– 车主身份证副本

– 车主驾驶执照副本

– 车卡副本

– 保单副本

为爱车提供保障

车镜碎裂问题随时都可能发生，所以一定要确保按时更新车险。更新车险时，也可以选择添加附加保险，这样一来万一汽车大镜碎裂，需要提出索赔时，也不用担心失去NCD。不过，添加附加保险就需要额外付费，所以车主可以根据自己需求和预算来添加。

更新车险和路税，当然是选择
全马最大的线上车险平台——必佳Bjak
，在这里你可以一次过比较18家保险公司报价，并根据自己的需求和预算选择合适的保险配套。付款后，车险立即生效，省时方便！今天就到必佳了解更多吧！

索取报价


汽车保险：为旧车购买综合型保险，有必要吗？

作为一名车主，除了需要花一笔钱给头期，还要花7至9年的时间把车贷还清，加上其他的开销比如保养汽车、汽油等等，在这种情况下，你肯定会希望你的爱车能够拥有保障最全面的车险，对吗？万一发生意外，至少还有车险减轻你的财务负担。

然而，在供完车贷后，你的爱车同时也成了一辆旧车，如果车龄超过10年就更加不在话下。这10年来，你都为爱车购买了全面保障的
综合型保险
，那10年后呢？还需要为车龄超过10年的车子购买
三种车险
中价格最贵的车险吗？

Contents =

谁可以购买综合型保险？
是否有提供给旧车的综合型保险？
为旧车提供的综合型保险最高期限是几年？
车龄超过15年，需要购买综合型保险吗？
让爱车获得全面保障

谁可以购买综合型保险？

一般来说，
综合型保险
（或称1号车险）适用于通过银行贷款购买且车龄不超过10年的新车，以确保车子获得最全面的保障。

然而，对于车龄10年至15年以上的汽车，大多数保险公司只会提供2号车险，即
第三方、失火及失窃保险
。

尽管你的旧车看起来像新的一样，但对于保险公司来说，承保旧车是有风险的，因为汽车的零部件存在着损坏的风险。

是否有提供给旧车的综合型保险？

事实上，仍然有一些保险公司仍然会为旧车提供
综合型保险
，但并不多。因此，如果你是旧车的车主，你可以花一些时间上网搜索或向保险公司询问。

为旧车提供的综合型保险最高期限是几年？

不同的保险公司所提供的期限将会有所不同。有的保险公司为最多10年的汽车提供
综合型保险
，有的则最高15年。

车子越旧，可能面临的风险就越高。然而，就算你的汽车已经开了15年，你仍然需要为它购买一份最基本的车险，即
第三方车险
。

车龄超过15年，需要购买综合型保险吗？

如果你的车子已经超过15年，且很少使用或只是到家附近的商店或巴刹而已，那就不需要购买
综合型保险
，但你可以选择购买
第三方、失火及失窃保险
或
第三方保险
。因为这两种保险都比综合型保险便宜。

让爱车获得全面保障

即使你的车子已经超过20年，想要在公路上行驶，都务必拥有最基本的
第三方车险
。

车险的存在意义不仅是为了让车子合法地在路上行驶，更重要的是让车主在遭遇意外时有所保障，并有效地减轻财务负担。

另外，不要忘记检查你的
汽车保险截止日期
，想要
更新车险
？你无需出门，
你可以使用全马第一的线上更新车险平台——必佳
，简单、轻松地更新你的车险。

在必佳，你可以
一次性比较超过15家保险公司的报价
，这将为您大大节省时间与精力。不仅如此，只需使用 WhatsApp，就可以在 10 分钟内完成更新。更重要的是，你的保单将立即生效！

索取报价

延伸阅读：

汽车保险：全面了解综合型保险
汽车保险：更新车险前要考虑的5个重要问题
汽车保险：第三方保险，值得买吗？
关于汽车保险的常见问题
汽车保险：购买车险前常犯的错误


老爷车也需要保障！一定要更新车险

你的家里是否停放着久久才启动一次的旧车或古董车？这些车子还应不应该更新车险呢？有些人或许会抱着侥幸的心态，想说开到马路上的次数不多，发生意外的几率也很小，不如就省下这笔钱。这样做可以吗？

Contents =

车子再久依然需要更新车险
旧车是否可以购买综合型保险？
就算是老爷车也需要给它保障

车子再久依然需要更新车险

对于少使用的轿车，你还是会定时送去车厂检查、维修，那自然也不能少了更新车险哦！因为有了车险，你才能更新路税，也才能在路上合法行驶。

当然，车险的存在，不仅是可以让车子在路上合法行驶，更重要的是万一发生了意外，也有所保障，能多少减轻维修所需的费用。

旧车是否可以购买综合型保险？

综合型保险，即1号车险，一般上都适用于车龄不超过10年的轿车。一旦车龄越大，车子的风险也会跟着提高，就算你将车子保养得好好的，但对于保险公司来说，旧车都是存有风险，特别是汽车零件都存在着损坏的风险，所以
大多数的保险公司都不太愿意为旧车提供综合型保险
。

不过，不同的保险公司在提供综合保险的期限上都会有所不同，有的保险公司只是为最多10年的汽车提供综合型保险，有些则是最高15年。这一方面，自然需要车主花些时间上网搜索，或向保险公司询问。

对于车龄较高的汽车，大多数保险公司只提供2号车险
，即第三方、失火及失窃保险。

就算是老爷车也需要给它保障

对于车龄已经20年，且已经很少行驶的车子，也必须拥有最基本的
【第三方车险】
。万一不幸发生意外，虽然你还是必须自行承担维修费，但你的保险会帮你赔偿给被撞的第三方。

和其它新车一样，你同样可以在
全马第一的线上更新车险平台——必佳Bjak
，简单、轻松地更新你的车险。今天就直接到我们的网站查询，索取报价！只需要使用WhatsApp，就可以在10分钟内完成更新，而且保单是立即生效！

索取报价


FF Number Plate Series Records Highest Revenue Since JPJeBid’s Launch

In Malaysia, owning a car is a luxury, especially when bidding for your favourite number plate. Every year, car owners spend tens of thousands of ringgits to try and get their preferred or fancy number plates for various reasons.

This is certainly true with the latest Putrajaya number plate series, “FF”, launched last week to mark JPJ’s 77th anniversary.

FF number plate series record highest revenue

Putrajaya’s special “FF” number plate created a buzz among new vehicle owners last week. The fancy number plate series records RM34,296,327 in revenue.

According to Transport Minister Anthony Loke, this was the highest revenue ever generated since the launch of the JPJeBid system on 15 April 2019. The highest bid is worth nearly a million ringgit at RM950,000 for the “FF8” number plate, followed by RM911,999 for “FF9”.

Image credit: Jabatan Pengangkutan Jalan Malaysia

The third and fourth highest bids were RM639,000 and RM638,000 for the “FF3” and “FF2” number plates, respectively. The fifth highest bid was for the “FF7” number plate at RM633,000.

The most popular numbers from the FF series with the highest bidders were:

“FF199” – 34 bidders
“FF51” – 32 bidders
“FF155” – 29 bidders
“FF555” – 29 bidders
“FF1688” – 29 bidders

Loke also said that the response to this special number plate was incredible, seeing some 34,032 bidders in total. Of the 9,999 available numbers, 8,348 were bid upon and won over.

Fancy number plates in Malaysia

Getting a fancy number plate may not be a thing for everyone, but it’s good to see what people are into. This special series is said to be popular among Ferrari owners and people who like registration numbers that have the same alphabet.

Did you or anyone you know manage to get the FF numbers plates? Let us know by sharing this article.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

Get Free Quote

Read more:

10 Common Types Of Road Accidents In Malaysia
5 Fuel-Saving Tips To Help You Save More Money
Car Insurance Deductible: What Is It And How It Works?


摩托骑士在公路上保护自己的方法

大马公共卫生发出文告，提醒摩托车骑士避免在车辆之间的马路白线上骑行，因为这将引发意外的发生，且提高死亡的风险。

Contents =

大马公共卫生：摩托车应远离重型交通工具
摩托骑士在公路上保护自己的方法
让自己更为显眼
避免在车辆的盲区内骑行
远离大型车辆
警惕转弯的车辆
保持安全车距
必要时鸣笛
保持道路安全，人人有责

大马公共卫生：摩托车应远离重型交通工具

较早前，
在巴生地区发生了一起死亡车祸
，一名中学生骑摩托超越罗里不果，结果与轿车碰撞并跌倒，惨遭罗里辗过毙命。

在交通拥挤的道路上，摩托车利用汽车与汽车之间狭窄的道路骑行是一件很常见的事，然而，“人包铁”的摩托车虽然行动自如，却比汽车来得更容易受到伤害。

根据数据显示，每年平均有4000名摩托骑士死于交通事故。去年首8个月，
摩托意外在所有车祸中占了最大比例
，而碰撞意外经常发生在车辆的盲点区域。

为此，大马公共卫生提醒摩托车骑士避免在车辆之间的马路白线上骑行，尤其要远离重型交通工具。

另外，文告也指出，摩托骑士在骑行时超车，发生意外的风险相比没有超车的摩托要高12%。

资讯来源：
大马公共卫生（Public Health Malaysia）专页

摩托骑士在公路上保护自己的方法

相对于其他的道路使用者，摩托车骑士及其乘客面临意外的风险更高，那么，摩托车骑士在公路上骑行时应该如何保护自己呢？

摩托车骑士保护自己的方法：

让自己更为显眼

摩托车骑士在选择装备的时候应尽量以亮色为主，如：亮色的服装或者佩戴颜色鲜艳的头盔，因为颜色鲜艳就会让人更加注意。假如穿着暗色系的车服，也可以穿一件反光背心或外套在外面，以增加自己的辨识度。

避免在车辆的盲区内骑行

由于摩托车比车辆更小，当车辆需要改换车道，或左右转时，可能会因为视线盲点（或称死角）而看不见和他们一起并道的摩托车，因而导致意外事故的发生。

因此，不管什么时候，摩托车都应避免在其他车辆（尤其是重型车辆）的
盲区内
停留太久，因为对方无法察觉你的存在。

如想要了解更多关于车辆的盲点，可参阅：
驾车人士一定要知道的车辆盲点
，以及：
远离大型罗里的盲区，降低意外风险
。

远离大型车辆

由于摩托车体积小、车身位置低，在骑行过程中与大型交通工具等车身较高的车辆并行时常常形成视线死角，不宜被驾驶员发现。

因此，摩托车在骑行过程中不宜接近大型车辆，更不宜长时间与大型车辆并行。

警惕转弯的车辆

汽车在转弯时，司机可能会有一定的视线死角，无法注意到体积较小的摩托车，为此骑士们在遇到转弯的汽车时，一定要提高警惕，降低车速，并做好司机看不到你的心理准备，随时准备躲闪有危险的汽车。

保持安全车距

摩托车因体积小、加速快，很容易被汽车司机低估其距离和速度，因此骑士们应该与前、后车辆保持一段安全距离，如果后方车辆跟得太紧，摩托车应变换车道或者减速，让尾随的车辆超越。

必要时鸣笛

假如骑士在过路口或者认为司机没有发现自己，可鸣笛提醒周围的车辆注意自己的存在。

保持道路安全，人人有责

如上所述，相对于其他的道路使用者，摩托车骑士及其乘客面临意外的风险更高，因此，作为摩托车骑士，应更着重于保护自己的人身安全。

骑行在路上时，希望以上几点可以帮助你安全地与其他道路使用者共用道路。

保持道路安全，人人有责
，无论是开车或摩托车，都应该做一个负责任的道路使用者，为自己的生命负责，同时多为他人着想。

另外，不要忘记检查你的
汽车或摩托保险截止日期
，务必使用有效的车险及路税，才能在公路上合法骑行。

想要
更新汽车或摩托车险
？到马来西亚领先的线上汽车保险平台——必佳，轻松更新您的汽车保险，只需到必佳官网便可
免费获得多达15 家保险公司报价
。

索取报价

延伸阅读：

汽车与摩托车共用道路的安全提示
为什么你需要购买摩托车险？
摩托保险索赔须知
摩托车险须知
摩托车险不受保的5种情况


Motorcycle Theft: Can You Make an Insurance Claim?

Motorcycles are the go-to mode of transport for daily commutes and errands in our country. With traffic snarls during peak hours, motorcycles are the fastest way to get to your destination. But with great speed comes great responsibility, and motorcycle owners have to deal with the risk of theft. So, if your prized possession is stolen, what can you do? Can insurance help? Find out by reading this article.

Get Free Quote

Contents =

Can claim insurance for motorcycle theft?
How to make the insurance claim?
What else can motorcycle insurance cover besides theft?
Protect your ride!

Can claim insurance for motorcycle theft?

The good news is
YES
.

As long as you have a comprehensive or third-party insurance policy that includes theft and fire, and a valid motorcycle license, you can make an insurance claim with confidence.

How to make the insurance claim?

Let us get right into it! We’re here to help you understand the steps involved in making an insurance claim for a lost motorcycle.

File a police report within 24 hours of the incident, and don’t forget to bring along your valid identification card and motorcycle license.
Obtain copies of your motorcycle registration and insurance policy.
Report to your insurance company and provide all necessary information before submitting it to the officer in charge.
Wait for the insurance company to contact you for a testimony session.
If your claim gets approved, be prepared to provide some important documents
Offer acceptance letter (attached with offer letter)
JPJ TM-AB Form (stamp of oath and certified copy of identification card by JPJ officer)
JPJ K3 Form (2 copies) and JPJ K8 Form (1 copy)
Release the key from the leasing company if the loan has ended
Vehicle key (notification letter if the key is lost)
Original Vehicle Registration Card (vehicle grant)

Finally, remember that the insurance company considers the claim process complete once they pay or compensate you.

What else can motorcycle insurance cover besides theft?

Typically,
motorcycle insurance
 covers (also with add-ons):

Physical injury or death to a third party caused by an accident.
Any damage to a third party’s vehicle caused by an accident.
Damage to your motorcycle in the event of fire, explosion or lightning.
Any damage to your motorcycle in the event of burglary, theft or robbery.
Any damage to your motorcycle in the event of an accident.

But remember, not all insurance policies provide the same level of coverage. So, it’s important to choose the protection you need. Don’t take any chances!

Protect your ride!

Motorcycle theft can happen at any time without warning. That’s why it’s important to ensure you have the best insurance protection for your motorcycle. After all, making an insurance claim if your motorcycle is stolen ensures that you can avoid feeling more burdened, especially financially. Don’t take the risk, protect your ride!

Visit Bjak now at
https://bjak.my
/ to enjoy exclusive discounts, attractive prices and benefits for your motor insurance without any hassle!

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your
free insurance quote
 from Bjak today!

Get Free Quote

Read more:

Comparing Car Insurance: Why You Must Do It Before Purchasing
Car Insurance Add-Ons: Types of Extra Protection You Can Pick
Guide to Car Insurance: The Must-Know Things


马来西亚保险公司热线电话总汇

如果您的汽车突然发生事故或在路边受损，请不要惊慌！

您所要做的就是
联系您的保险公司，让他们协助您获得紧急道路援助或拖车服务。
 因此，我们将分享一份马来西亚保险公司的免费热线电话列表，您可以在车辆发生紧急情况时联系这些保险公司。

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马来西亚保险公司免费热线电话列表
Allianz – 1 800 22 5542
Tokio Marine –  1 800 88 1301
MSIG – 1 300 88 0833
Zurich – 1 300 88 6222
Liberty – 1 300 88 5005
Lonpac – 1 300 88 1138
Pacific & Orient – 1 800 88 2121
RHB – 1 300 88 0881
MPI Generali – 1 800 22 2262
AIG – 1 800 88 8811
Kurnia – 1 800 88 3833
AXA – 1 800 88 1033
AmAssurance – 1 800 88 6333
AIA – 1 800 88 8733
CHUBB – 1 300 88 0218
Berjaya Sompo – 1 800 18 8033
Takaful Malaysia – 1 800 88 8788
Etiqa Takaful – 1 800 88 6491
Takaful Ikhlas – 1 800 88 1186
意外援助呼叫中心 （Accident Assist Call Centre (AACC)）
时刻做好准备

马来西亚保险公司免费热线电话列表

Allianz – 1 800 22 5542

Tokio Marine –  1 800 88 1301

MSIG – 1 300 88 0833

Zurich – 1 300 88 6222

Liberty – 1 300 88 5005

Lonpac – 1 300 88 1138

Pacific & Orient – 1 800 88 2121

RHB – 1 300 88 0881

MPI Generali – 1 800 22 2262

AIG – 1 800 88 8811

Kurnia – 1 800 88 3833

AXA – 1 800 88 1033

AmAssurance – 1 800 88 6333

AIA – 1 800 88 8733

CHUBB – 1 300 88 0218

Berjaya Sompo – 1 800 18 8033

Takaful Malaysia – 1 800 88 8788

Etiqa Takaful – 1 800 88 6491

Takaful Ikhlas – 1 800 88 1186

意外援助呼叫中心 （Accident Assist Call Centre (AACC)）

此外，您还可以拨打 15500 联系马来西亚保险协会提供的
意外援助呼叫中心（Accident Assist Call Centre (AACC)）
，以便在发生意外事故时立即获得援助。

此呼叫中心 24 小时提供以下服务：

道路紧急援助
拖车服务（自费）
帮助检查车险保障范围并协助您与保险公司联系
 一般车辆保险索赔查询
意外事故程序调查
投诉通知
任何诈骗行为的通知

时刻做好准备

身为一名车主，我们强烈建议您保留保险公司的24 小时热线电话号码，以便在路上发生紧急情况时，立即与他们联系。

为了获得更全面的保障，您还可以在必佳更新车险时成为必佳的VIP会员。使用
必佳VIP
，您可以享受更多保障及更吸引人的福利。


Jangan Biar Penjenayah Godam Akaun Bank Anda! Elak Muat Turun Aplikasi Mencurigakan

Pada 10 Februari lalu,
Jabatan Siasatan Jenayah Komersil (JSJK) Polis Diraja Malaysia (PDRM)
 mendedahkan taktik baharu penipuan yang membolehkan penjenayah menggodam atau
hack
akaun bank mangsa. Setakat kelmarin, pihak polis telah menerima lima laporan membabitkan taktik penipuan tersebut yang mengakibatkan kerugian keseluruhan berjumlah RM58,844! Laporan kes tersebut melibatkan tiga laporan di Johor dan masing-masing satu laporan di Pulau Pinang dan Sabah.

Bayangkan segala penat lelah anda mengumpulkan wang yang akhirnya dilesapkan oleh penjenayah! Perasaan marah dan sedih pastinya akan menyelubungi sesiapa sahaja yang menjadi mangsa penjenayah.

Sebagai langkah berjaga-jaga, Bjak akan kongsikan modus operandi jenayah berkenaan dan cara untuk mengelakkan diri daripada menjadi mangsa jenayah siber.

Contents =

Taktik baharu penjenayah menggodam akaun bank
Jangan muat turun aplikasi mencurigakan
Beringat sebelum terkena

Taktik baharu penjenayah menggodam akaun bank

Kredit imej:
Harian Metro

Seperti yang dilaporkan media, penggodam licik melakukan pelbagai cara untuk menggodam akaun bank dan seterusnya merompak wang mangsa. Antara taktik yang digunakan ialah penyamaran sebagai pihak berkuasa seperti pegawai polis, pegawai LHDN dan pihak insurans.
Taktik baharu penggodam yang didedahkan oleh JSJK kelmarin ialah melalui pengiklanan di media sosial.

Menurut Pengarah Jabatan JSJK Bukit Aman, Datuk Mohd Kamarudin Md Din menerusi
kenyataan di Facebook rasmi JSJK
, siasatan yang dijalankan mendapati
penjenayah menggunakan laman sosial untuk mengiklankan penjualan barangan atau perkhidmatan saluran televisyen berbayar
. Tambah beliau, penggodam akan sentiasa mengubahsuai tawaran iklan bagi menawan lebih ramai mangsa.

Jelas Mohd Kamarudin,
mangsa yang berminat untuk mendapatkan produk berkenaan akan diminta oleh penjenayah untuk memuat turun fail APK (
Android Package Kit
).
 Penggodam akan menghantar fail APK tersebut kepada mangsa melalui aplikasi WhatsApp.

Mangsa kemudiannya akan diminta untuk memasang fail APK tersebut pada telefon pintar dan membuka akaun
 untuk menggunakan aplikasi tersebut.
Mangsa perlu memasukkan butiran seperti nombor kad pengenalan, butiran akaun bank dan butiran kad kredit.

Aplikasi tersebut juga dikesan akan menggantikan sistem khidmat pesanan ringkas (SMS) di telefon pintar berkenaan.

Tanpa menyedari pemasangan aplikasi yang mencurigakan tersebut, mangsa akan mendedahkan maklumat perbankan mereka kepada penjenayah. Seterusnya,
penjenayah akan menggunakan maklumat tersebut untuk menggodam dan memindahkan wang milik mangsa
.

Jangan muat turun aplikasi mencurigakan

Merujuk kepada
kenyataan
 yang sama, Mohd Kamarudin mengingatkan orang ramai untuk
tidak memuat turun aplikasi daripada sumber yang meragukan
.

Tambah beliau,
keselamatan sistem SMS pada telefon pintar mesti sentiasa dipelihara
. Hal ini kerana sistem SMS digunakan untuk menghantar OTP (
One-Time Password
) atau TAC (
Transaction Authorisation Code
) daripada pelbagai aplikasi yang dipasang di telefon pintar anda.

Dalam pada itu, jika anda mempunyai sebarang keraguan, nasihat atau penyaluran maklumat berkaitan jenayah komersial, anda diminta untuk menghubungi CCID
Response Center
 di talian 03-26101559/03-26101599.

Beringat sebelum terkena

Pelbagai maklumat peribadi seperti butiran akaun boleh diakses melalui telefon pintar atau peranti elektronik anda. Seandainya butiran akaun bank anda terdedah kepada penjenayah, anda boleh kehilangan wang anda dalam sekelip mata. Jangan biarkan kejadian ini berlaku kepada anda.

Untuk mengelakkan diri daripada menjadi mangsa, tolong jangan muat turun aplikasi atau tekan apa-apa pautan yang mencurigakan. Semak dahulu kesahihan sumber aplikasi atau pautan berkenaan. Selain itu, sekiranya anda dihubungi oleh sesiapa yang mendakwa sebagai pihak berkuasa dan meminta maklumat peribadi anda, jangan berikan sebarang maklumat. Sebaliknya, letakkan panggilan dan dapatkan pengesahan daripada pihak berkuasa.

Pengarah Jabatan Siasatan Jenayah Komersial (JSJK) Bukit Aman, Datuk Mohd Kamarudin Md Din mendedahkan taktik baharu penjenayah menggodam akaun bank dalam sidang media kelmarin, 10 Februari 2022 (Sumber:
Harian Metro TV
)

Bjak menyediakan 15 syarikat insurans untuk pengguna lakukan perbandingan sebelum
memperbaharui insurans
. Dapatkan

sebut harga insurans kereta atau motosikal percuma
 di Bjak hari ini.


2 Juta Kenderaan Dijangka Guna Lebuh Raya Plus Sempena Aidilfitri 2023

Kurang 10 hari lagi umat Islam akan meraikan sambutan Hari Raya Aidilfitri selepas sebulan berpuasa. Bagaikan rutin, rata-rata mereka yang berada di kota akan pulang ke kampung halaman masing-masing untuk beraya bersama yang tersayang.

Justeru pada tahun ini, PLUS menjangkakan sebanyak 2 juta kenderaan akan menggunakan rangkaian lebuh rayanya pada hari-hari puncak sempena sambutan Aidilfitri.

Renew Insurans

Contents =

Jumlah kenderaan meningkat 20% berbanding hari biasa
Rancang perjalanan anda
Persiapan sebelum pulang ke kampung
Servis kenderaan anda
Top up kad ‘Touch ‘n Go
Pastikan kenderaan memiliki insurans dan roadtax yang masih sah

Jumlah kenderaan meningkat 20% berbanding hari biasa

Ketua Pegawai Operasi PLUS, Datuk Zakaria Ahmad dalam satu kenyataan berkata, jumlah tersebut merupakan peningkatan sebanyak 20% berbanding jumlah trafik pada hari biasa.

“Kami menjangkakan kira-kira 2 juta kenderaan akan menggunakan semua rangkaian lebuh raya kami setiap hari pada Hari-Hari Puncak (hari-hari yang dijangka mencatatkan jumlah trafik tertinggi) iaitu pada
20 April hingga 21 April, 24 April hingga 25 April, 29 April hingga 1 Mei dan 4 Mei hingga 7 Mei 2023. Ia
merupakan peningkatan sebanyak 20% berbanding jumlah trafik pada hari-hari biasa,” katanya.

Disebabkan itu ujarnya, PLUS telah membuat persediaan dan mengatur pelbagai strategi untuk membantu pengguna lebuh raya menikmati perjalanan yang lebih selamat dan selesa.

Ia juga termasuk aspek keselamatan lebuh raya, pengurusan trafik dan kesesakan, pengagihan trafik, pengurusan trafik di plaza tol, pengurusan kemudahan di kawasan rehat dan hebahan maklumat trafik.

Selain itu, dalam memastikan aspek keselamatan pengguna lebuh raya sentiasa berada pada tahap yang baik, PLUS akan terus berkolaborasi bersama Polis DiRaja Malaysia (PDRM) dan Jabatan Pengangkutan Jalan (JPJ) untuk melaksanakan penguatkuasaan undang-undang dan advokasi di lebuh raya sepanjang musim perayaan ini.

Ia termasuk menempatkan Pasukan Bantuan Kecemasan (ERT) yang terdiri daripada anggota PDRM, JPJ, Angkatan Pertahanan Awam (APM), St John Ambulans, dan Persatuan Bulan Sabit Merah (PBSM) di 11 lokasi strategik di lebuh raya dengan lebih daripada 500 petugas.

PLUS juga akan menempatkan 269 pasukan peronda lebuh raya merangkumi PLUSRonda dan LPT2Ronda di rangkaian Lebuhraya PLUS termasuklah di Lebuhraya Pantai Timur 2 (LPT2) pada musim perayaan ini .

Rancang perjalanan anda

Melihat kepada jangkaan peningkatan jumlah kenderaan yang akan berlaku, PLUS seterusnya menyarankan orang ramai yang akan menggunakan lebuh rayanya supaya merancang perjalanan dengan baik dan pulang ke kampung lebih awal bagi mengelak terperangkap dalam lonjakan trafik pada hari-hari puncak.

Dalam pada itu, PLUS juga akan mengeluarkan Jadual Cadangan Waktu Perjalanan (TTA) dalam masa terdekat untuk perjalanan di lebuh raya Utara-Selatan. Ia sebagai strategi untuk mengagihkan trafik dan membantu orang ramai merancang perjalanan mereka untuk pulang ke kampung atau kembali semula ke Lembah Klang pada musim perayaan ini.

Persiapan sebelum pulang ke kampung

Sabar! Sebelum ingin meninggalkan rumah dan mulakan perjalanan ke kampung halaman, pastikan anda buat persediaan-persediaan ini terlebih dahulu ya!

Servis kenderaan anda

Sila pastikan kenderaan anda sudah diservis sebelum memulakan perjalanan ke kampung pada raya ini. Periksa kondisi tayar, brek, minyak enjin, aircond, bateri, lampu dan lain-lain bagi memastikan perjalanan anda selamat. Jika anda tidak begitu arif atau pakar untuk servis sendiri kereta anda, sila hantar sahaja ia ke pusat servis pada kadar segera sebelum terlambat.

Top up kad ‘Touch ‘n Go

Mungkin nampak remeh, namun jangan lupa untuk menambah nilai kad Touch ‘n Go anda supaya perjalanan lancar dan tidak mengganggu pengguna jalan raya lain. Untuk lebih mudah, top up sahaja secara online dengan menggunakan aplikasi Touch ‘n Go eWallet.

Pastikan kenderaan memiliki insurans dan roadtax yang masih sah

Ini sangat penting ya! Sebelum memulakan perjalanan jauh, sila pastikan kenderaan anda sudah dilindungi dengan i
nsurans kereta
/ motor dan mempunyai
roadtax
 yang masih sah. Selain untuk mengelak daripada dikenakan saman, ia juga bagi memastikan kenderaan anda dilindungi insurans jika berlaku sesuatu yang tidak diingini ketika memandu.

Moga perjalanan anda untuk ke tempat yang ingin dituju lancar dan selamat. Sila ikut peraturan jalan raya untuk keselamatan bersama.

Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan
sebut harga percuma
 di Bjak dan pilih pelan terbaik hari ini!

Renew Insurans

Baca juga:

Tips Pulang ke Kampung Dengan Selamat Sempena Hari Raya Ini
Elak Microsleep Ketika Memandu, Ini Tips untuk Kekal Fokus & Segar
6 Tips Berguna Memandu Waktu Malam


Why Car Mirrors Keep Fogging Up and How to Fix Them

As a driver, we believe it is common for you to find your car mirrors foggy, especially in cold or rainy weather. Foggy mirrors can interfere with your vision while driving and put you and other drivers at risk.

So, you may be wondering: why do car mirrors keep fogging up? More important, how to keep the mirrors from fogging up?

Read on as we answer your questions.

Contents =

Why do car mirrors fog up?
Tips to keep car mirrors from fogging up
Apply toothpaste on mirrors
Apply hair shampoo on mirrors
Use hair oil on mirrors
Rub a potato on the inside of car mirrors
Keep your car mirrors fog-free

Why do car mirrors fog up?

For your information, one of the main causes of foggy car mirrors is car air conditioning.
Your car cabin can become humid due to water particles released from the air conditioning.
 This causes your car mirrors to become foggy.

Additionally,
your car cabin can become more humid during or after rain.

The humidity causes a buildup in water that turns into water vapor
, causing the mirrors to fog up.

Tips to keep car mirrors from fogging up

Foggy car mirrors can indeed interfere with your vision. As such, Bjak has rounded up tips and tricks to keep car mirrors from fogging up.

Apply toothpaste on mirrors

Did you know that fluoride in toothpaste can help keep your car mirrors from fogging up?

Simply apply toothpaste on the inside of your car mirrors and wipe the surfaces with a microfibre cloth.

Apply hair shampoo on mirrors

Aside from using shampoo for your hair, you can also use shampoo to keep your mirrors fog-free.

Apply a small amount of shampoo on the mirrors without water and rub the surfaces evenly. Gently wipe the surfaces with a microfibre cloth, newspaper or tissue to remove the shampoo.

Use hair oil on mirrors

This may surprise you, but hair oil can also keep your mirrors from fogging up.

Ensure that you use liquid, clear hair oil and not hair cream or gel. Apply hair oil the same way to apply toothpaste on car mirrors as shared above.

Rub a potato on the inside of car mirrors

This may surprise you the most. Potatoes, too, can help keep your car mirrors from fogging up.

Just follow the simple steps below:

Take a potato and cut it in half.
Rub the inside of the potato on the inside of your car mirrors.
Let the mirrors dry.
Wipe the mirrors with a dry tissue.

Keep your car mirrors fog-free

We hope our practical tips to avoid your car mirrors from fogging up can help you keep your mirrors fog-free.

When your car mirrors are fog-free, you will be more comfortable driving. More important, having fog-free mirrors can ensure safer driving.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

Get Free Quote


汽车动力转向失灵前的5个征兆

汽车转向系统（steering system），是用来改变或保持汽车行驶或倒退方向的一系列装置，其功能就是按照驾驶员的意愿控制汽车的行驶方向。

当车辆在路上行驶时，方向盘让您控制车辆。使用方向盘，您可以轻松地将前轮朝您想要的方向转动，即使在不平坦的道路上，方向盘也将帮助您完美控制车辆。

Contents =

汽车动力转向失灵前的征兆
转弯时发出异响
轮胎震动
动力转向漏油
动力转向油颜色变化
方向盘控制困难
损坏动力转向的驾驶习惯
在颠簸和破损的路面鲁莽驾驶
高速驶上斜坡
原地转向
缺乏保养
做一个谨慎负责的车主

汽车动力转向失灵前的征兆

如果说轮胎是汽车与地面接触的唯一媒介体，那方向盘就是和驾驶者接触的唯一媒介体了。与轮胎一样，方向盘及动力转向也需要定时的保养与维修，以确保它处于最佳的工作状态。动力转向是驾驶者控制汽车的主要媒介，若失灵就会带来极大的危险，甚至可能危机驾驶者本身及其他道路使用者的安全。

以下是几个动力转向失灵前的征兆，开车人士若发现车子出现这些问题，应立即将车子送往检查。

转弯时发出异响

如果您发现汽车在转弯时发出不寻常的声音，可能意味着汽车的动力转向出现了问题。这也可能是因为叶片泵不再以最佳水平运行。

轮胎震动

汽车轮胎的震动有两个可能，一是汽车的轮胎或轮辋损坏，二是汽车的动力转向损坏。

动力转向漏油

如果转向系统泄漏，会导致您的汽车动力转向无法正常操作。

动力转向油颜色变化

动力转向油在确保方向盘平稳运动方面起着非常重要的作用。动力转向油发生颜色变化可能表明它不再处于良好状态。车主应该使用优质的动力转向油，以保证汽车的动力转向能正常工作。

方向盘控制困难

如果您发现在试图转弯时感觉沉重等困难，那么这可能意味着您的汽车的动力转向已经损坏。这也是动力转向最严重的问题之一。

损坏动力转向的驾驶习惯

就算车子的动力转向没有问题，驾驶者也有责任将它维持在最佳的状态，而良好的驾驶习惯就是保养汽车的其中一个方法。

以下是会损坏汽车动力转向的驾驶习惯，驾驶人士开车时要注意了。

在颠簸和破损的路面鲁莽驾驶

转向系统的部件能够承受一定的冲击，但其承受能力还是有限的。碾过一个小小的坑洞或减速带不会造成太大的伤害，但驶过一个大坑的冲击力就可能会严重地损坏转向系统。此外，对系统反复地进行冲击也会造成转向系统故障。

尽量避开坑洞，在接近减速带时也要减速慢行，因为这些都会对转向和悬吊系统带来您意想不到的伤害。

高速驶上斜坡

与减速带和坑洞一样，以一个极大的转向角度冲上斜坡，同样会对转向系统的部件造成极大的冲击，因此，遇上斜坡时要减速慢行，好好照顾您的车子。

原地转向

原地转向是指在汽车静止的情况下打方向盘。

如果您在原定转向的同时还踩死了刹车，那么车子就会被锁在原地，这样对转向系统的球头和球笼就会造成损伤。

如果车子是在平坦的路面上，而且您没有踩死煞车，那么即便您原地转向，车子也会有一点移动。在这种情况下，因为刹车没有踩死，所以车子并没有被锁在一个位置上，而轮胎和转向系统受到的外力也会被分散。

缺乏保养

转向系统的核心是转向齿条和齿轮，而它们是密封的，但密封也有开裂的可能，尤其是转向器与拉杆之间的区域。密封装置失效会造成动力转向液泄漏，因此要定期检查与保养。

做一个谨慎负责的车主

定期维修及保养汽车转向系统，以确保转向系统处于最佳的工作状态，同时延长其使用寿命。

此外，
作为一名合格的车主
，定时将车子送往维修与保养是重要的功课，因为这样才能确保汽车的性能和零件都保持最佳状态。车主平时
驾车的一些“坏习惯”
，比如：没有预热引擎等，久而久之也可能会减短汽车部件的寿命。

因此，拥有一辆汽车并不是拥有而已，好好爱护及对待您的爱车，才能让您的爱车持久耐用。

更重要的是，不要忘记检查您的
汽车保险截止日期
，如果
车险已逾期
，
您可能会被罚款不超过1000令吉，并吊销驾照12个月
。

想要
更新车险
？到马来西亚领先的线上汽车保险平台——必佳，轻松更新您的汽车保险，只需到必佳官网便可
免费获得多达15 家保险公司报价
。

延伸阅读：

损害汽车的5个坏习惯
延长汽车电池寿命的6个方法
汽车自动变速箱失灵前的征兆
刹车器失灵前的7大征兆
汽车上的10种灯，你用对了吗？


Jail Time, Fine Not More Than RM50,000 for Leaving Children Unattended in Vehicles

Some parents, without ill attention, may leave their children unattended in vehicles. This may happen when parents have to stop for a quick grocery shopping at a mini-market.

Do not normalise this, as it can put your children at risk. There are many reported death cases of children being left in vehicles unattended.

Regrettably, some parents do not take the news seriously and leave their children unattended in their vehicles, consciously or unconsciously.

Contents =

Jail time and fines for leaving children unattended in vehicles
The danger of leaving your child in your vehicle unattended
Reported cases of parents leaving their children unattended in vehicles
Be a responsible parent

Jail time and fines for leaving children unattended in vehicles

Know that leaving your children unattended in your vehicle is an offence. You are liable for prosecution if proven guilty.

According to the Royal Malaysia Malaysia (PDRM)
, parents who carelessly leave their children unattended in the car can face a fine of not more than RM50,000 or a jail time of up to 20 years
.

“No excuse. No compromise. Your carelessness has a price. The negligence of an individual in leaving their child in a vehicle unattended is an offence under Section 31 (1) (a) of the Children Act 2001.

“If convicted, they will be fined not more than RM50,000 or jailed not more than 20 years or both.”

Image credit: PDRM Facebook

The danger of leaving your child in your vehicle unattended

There are several reported cases of parents’ negligence. These include parents leaving their children in the car unattended, resulting in their children’s death due to lack of oxygen.

Understand that leaving the car windows open slightly does not help dissipate the heat. Therefore, the accumulated heat can cause a person to have a stroke at any time.

With scorching weather in Malaysia, children’s body temperature may rise to 70% within an hour if left unattended in a vehicle. Therefore, please avoid leaving your child in the car for your children’s safety.

Reported cases of parents leaving their children unattended in vehicles

Below are a few reported cases of parents leaving their children unattended in vehicles:

A three-year-old girl died after being left unattended in a car for two hours by her mother.
A three-year-old girl was found dead after being left in a car for several hours by her grandmother.
A two-year-old girl was trapped in her father’s car for almost an hour after accidentally pressing the door lock button.

Be a responsible parent

Please do not leave your children in your vehicle unattended. You surely do not want any of the tragedies to occur to your children.

If you need to run some errands and have to leave your children in the car, please ensure that other adults accompany your children in the car. If there is no one to look after them, it is best to bring them together with you.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!

Get Free Quote

Read more:

FAQs About Car Insurance Deductible
Tokio Marine DriveSafe PA & Auto Partner Plans
Tokio Marine Enhanced Coverage With AutoPro


Why Does Car Windscreen Crack?

Minor chips to deep-seated cracks may appear on the surface of your windscreen glass. It could happen regardless of when you drive or park your car. A broken or cracked windscreen may affect your vision when driving. You could compromise your safety significantly if you delay replacing your windscreen.

Many reasons can cause either your front or rear windscreen to shatter or break. Read on as we share several reasons behind the chip, break or shatter of your windscreen.

Contents =

Causes of broken or cracked windscreen
Windscreen hit by pebbles or foreign objects
Windscreen crushed by tree branches or twigs
Windscreen cracks due to the weather
Improper installation of windscreen
Windscreen damage because of an accident
Can you make an insurance claim for windscreen damage?
How to claim insurance for a cracked windscreen?
What are the required documents?
Fix your cracked windscreen with an insurance claim

Causes of broken or cracked windscreen

A car windscreen does not only protect you from rain, dust and wind. It also reduces the risk of injury in the event of an accident.

A windscreen is made of annealed glass via a thermal tempering process that further strengthens the glass structure in terms of its durability.

However, damages such as a crack or breakage could still happen in an unforeseen situation. These are some causes that may cause your windscreen to shatter or break.

Windscreen hit by pebbles or foreign objects

Our vehicles are exposed to risks when we drive on the road.

The risks include being hit by foreign objects such as fragments of stone, wood, sand and others. These objects could hit your windshield or ‘bounce’ onto other vehicles like trucks and indirectly cause your windshield to crack.

As a precaution, do not drive too close to heavy vehicles, especially lorries. The loads that they carry may harm your vehicle. In addition to protecting your windscreen, you are also saving your life from an untoward incident.

Windscreen crushed by tree branches or twigs

People usually prefer to park their cars under a tree to avoid the scorching sun.

While the shade may save your car paint, it is risky for your car. Your car may be at risk of being hit by tree branches or twigs, especially if there is a sudden strong wind or heavy rain. This will damage your windscreen.

Windscreen cracks due to the weather

Temperature alone can be the cause of a crack in your windscreen.

Each side of the windshield has a different rate of shrinkage and expansion. For example, the heat rate of the windshield on the side is faster than in the middle.

Your windscreen can crack unexpectedly if your car is often exposed to heat. This is because of the high potential of the metal material on the car frame to quickly heat the mirror’s edges.

Improper installation of windscreen

Poor installation quality may contribute to windscreen damage.

Improper installation may lead to vibration and pressure, which in turn causes the windscreen to crack or break.

Although it is rarely damaged because of the installation quality, you still have to be careful. You are advised to use a windshield specialist’s service to reduce this risk.

Windscreen damage because of an accident

In addition to vehicle-to-vehicle accidents, your windscreen can also crack or break if you have an accident with animals such as birds or others.

Therefore, we advise you to drive carefully to protect your vehicle and life.

Can you make an insurance claim for windscreen damage?

Yes. You may claim from your insurer to repair your windscreen damage if you have
comprehensive insurance coverage
.

However, you will lose your
No-Claim Discount (NCD)
 if you do not have additional windscreen cover when claiming insurance.

For your information, you are only eligible to claim insurance (with windscreen add-on cover) once a year without affecting your NCD rate.

Usually, the premium for windscreen coverage is 15% of the amount of your mirror. You may refer to our previous articles to know the premium windscreen coverage for local and imported cars.

How to claim insurance for a cracked windscreen?

Send your car to your
insurance panel workshop
. If you are unsure, please call your insurer to seek confirmation.
Furnish the claim form at the workshop. Please make sure you inform the workshop that you want to claim from your insurer.
After the windscreen repair or replacement, you can take your car. You do not have to foot the bill if you claim from your insurer

What are the required documents?

A copy of the policyholder and driver’s MyKad and driving license
A copy of the car grant
Insurance cover note

Fix your cracked windscreen with an insurance claim

Windscreen damage is sometimes inevitable and could happen at any time. The damage can endanger the driver and passengers.

Although you can claim insurance to repair your windscreen damage (for comprehensive policyholders), it will still be to your detriment if the claim is made without having additional windshield coverage. The claim will affect your NCD and cause your premium in the following year to soar.

Therefore, we advise you to include additional windscreen coverage in your policy plan to avoid financial losses in the future. Visit Bjak to renew your car insurance with comprehensive coverage.

Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your
free insurance quote
 from Bjak today!

Get Free Quote

Read more:

Risks Of Driving Your Car With Cracks In Windshield
How To Claim Motorcycle Insurance After An Accident
Common Misunderstandings About Comprehensive Insurance


Pengecualian Bayaran Ganti Roadtax, Lesen Memandu & Sijil Pemilikan Kenderaan untuk Mangsa Banjir

Susulan musibah
banjir di lapan negeri di Semenanjung
, Menteri Pengangkutan Datuk Seri Ir. Dr. Wee Ka Siong telah mengumumkan
pengecualian bayaran ganti Lesen Kenderaan Motor (
roadtax
), Lesen Memandu Malaysia serta Sijil Pemilikan Kenderaan kepada mangsa banjir
.

Pengumuman tersebut dibuat semalam, 21 Disember, dalam satu sidang media selepas perasmian Anugerah Kecemerlangan Kuala Lumpur International Logistics dan Transport (KiLAT).

Contents =

Kadar penggantian lesen memandu dan salinan cukai jalan
Tiada penetapan tempoh bagi menggantikan dokumen berkenaan
Laporan polis diperlukan untuk mendapatkan pengecualian
Agensi di bawah Kementerian Pengangkutan digerakkan untuk membantu mangsa banjir
Renew roadtax secara online di Bjak

Kadar penggantian lesen memandu dan salinan cukai jalan

Untuk makluman anda,sebelum ini terdapat bayaran tertentu yang dikenakan oleh JPJ bagi  menggantikan lesen memandu atau cukai jalan seperti berikut:

Penggantian lesen memandu: RM20
Salinan cukai jalan motosikal: RM20
Salinan cukai jalan kereta: RM50

Tiada penetapan tempoh bagi menggantikan dokumen berkenaan

Namun menurut Wee, Kementerian Pengangkutan memutuskan untuk tidak mengenakan sebarang bayaran untuk penggantian dokumen-dokumen berkenaan. Malah katanya, tiada sebarang penetapan
tempoh pengecualian pembayaran bagi menggantikan dokumen berkenaan
, menyedari bahawa mangsa-mangsa banjir mempunyai pelbagai urusan mustahak lain seperti menguruskan rumah dan keluarga.

Laporan polis diperlukan untuk mendapatkan pengecualian

Menurut Wee, mangsa banjir yang ingin mendapatkan pengecualian bayaran dokumen tersebut perlu membuat laporan polis, namun tidak perlu tergesa-gesa. Katanya, beliau juga telah meminta pihak Jabatan Pengangkutan Jalan (JPJ) untuk membantu mereka yang terjejas dalam urusan ini.

Setelah mendapatkan laporan polis, mangsa perlu berurusan di JPJ.

Tambah Wee, pihaknya bercadang untuk turut meletakkan kaunter mobil JPJ untuk memudahkan urusan mangsa banjir

Agensi di bawah Kementerian Pengangkutan digerakkan untuk membantu mangsa banjir

Dalam pada itu, Wee memaklumkan bahawa agensi-agensi di bawah Kementerian Pengangkutan seperti JPJ, Agensi Pengangkutan Awam Darat dan Jabatan Laut Malaysia telah digerakkan untuk turut sama-sama membantu mangsa-mangsa banjir.

Renew
roadtax
 secara
online
 di Bjak

Diharapkan pengecualian pembayaran yuran penggantian
roadtax
, Lesen Memandu Malaysia serta Sijil Pemilikan Kenderaan dapat memberikan sedikit kelegaan kepada mangsa-mangsa banjir.

Untuk anda yang ingin
renew roadtax,
kami cadangkan anda untuk
renew roadtax
secara
online
untuk memudahkan anda. Ikuti langkah mudah untuk
renew roadtax secara online
di Bjak
seperti yang telah kami kongsikan dalam artikel yang lepas.

Sebagai peringatan,
pelanjutan tempoh memperbaharui
roadtax

akan tamat tidak lama lagi.
Renew roadtax
hari ini atau selewat-lewatnya pada 31 Disember ini.

Bjak menawarkan kemudahan memperbaharui
insurans
 kenderaan dan
roadtax
 secara online. Renew insurans dan roadtax anda di Bjak.my di mana sahaja anda berada. Dapatkan
sebut harga insurans kereta percuma
 dalam hanya 3 minit hari ini.