您需要“全司机保障”吗？

一般上，保险公司仅提供保障于投保人或保单持有人。如果您的车子经常由别人驾驶，或者您和家人不时交换车子使用，那么您需要添加“全司机保障”吗？

Contents =

谁可以驾驶您的车子？
额外司机保障与全司机保障的差别
全司机保障需要支付多少保费？
添加全司机保障的方法
在必佳添加附加保险

谁可以驾驶您的车子？

基本上，只要拥有合格的驾驶执照并得到您的允许，无论是谁都可以驾驶您的车子。然而，
并不是所有驾驶您的车子的人都能获得保险保障，除非您在更新车险时添加了“额外司机保障”或“全司机保障”
。

在没有添加“额外司机保障”或“全司机保障”的情况下，当别人驾驶您的车子发生了意外时，您的保险仍会在汽车维修方面提供承保。可是，
您将被强制性被收取超过RM400，因为在事故发生时驾驶您汽车的人不是保单上的指定司机
。

举个例子，您的朋友驾驶您的车子发生了意外，维修费是RM10,000，那么您必须支付RM400，而保险公司将负责RM9600。

额外司机保障与全司机保障的差别

额外司机保障：提供额外保障予您所授权的司机。

全司机保障：提供保障予所有驾驶您的车子的司机。

“额外司机保障”仅保障您所授权的司机，其名字将记录在您的保单上（名字不在保单上的则不受保障）；而“全司机保障”保障所有驾驶您的车子的司机（名字无需记录在保单上），但
驾驶您车子的人必须得到您的允许
。

全司机保障需要支付多少保费？

您只需要额外支付RM20以获取全司机保障。

至于额外司机保障，添加首两名授权的司机（包括您本身）是免费的，第三名或以上的授权司机则每名司机额外收取RM10。

选择全司机保障比额外司机保障相对节省更多，因为您只需支付RM20就能获得所有司机保障。令人欣喜的是，一些保险公司还提供免费的全司机保障。

添加全司机保障的方法

当您更新车险时，您就可以选择添加
附加保险
，比如：汽车大镜保障、全司机保障等。无论您是在
线上更新车险
或者交由保险代理处理，您都可以在保单里增加这项保障。

在必佳添加附加保险

在让别人驾驶您的汽车之前，先在保单里添加“全司机保障”，否则不幸发生意外，您就需要支付RM400了。在必佳线上更新车险，非常简单，现在就到必佳了解更多！


Motorcyclist Safety Tips for Long-Distance Travel

Riding a motorcycle for long-distance travel can be exciting. However, motorcyclists have a
higher risk of fatal accidents
 than car drivers. They are presented with some unique challenges on the road. However, it does not necessarily guarantee a fatal accident if they ride a motorcycle. They can still ensure their safety by taking the necessary measures while on the road. Read on as we share some motorcyclist tips for a safe long-distance trip that may be useful!

Contents =

Motorcyclist Tips for Safe Long-Distance Travel
Ensure motorcycle in a good condition
Find the appropriate time and weather to leave
Bring extra equipment, tools
Ride with friends
Prepare enough money
Clear visibility
Rest if you feel tired
Keep safe distance
Follow these motorcycle safety tips

Motorcyclist Tips for Safe Long-Distance Travel

Ensure motorcycle in a good condition

Please ensure the motorcycle is in top condition before embarking on a long-distance journey ahead. This is helpful to prevent any problems while on the road.

Make sure that your motorcycle has undergone all required maintenance. Check the tyre, engine oil, coolant, and other components.

If you do not know how to check your motorcycle, send it to the workshop for inspection. Remember, do not skip this step to ensure the safety of you and other road users.

Find the appropriate time and weather to leave

Plan your journey and leave at the right time. Make sure to check for the weather as well.

Avoid riding your motorcycle in rainy weather as the condition can distract your focus on the road. Other than that, please also avoid riding in scorching hot or windy weather.

Bring extra equipment, tools

Prepare essential equipment like gloves, small towels and raincoats, screwdrivers, spanners, and others that deem necessary.

You are prepared for any unexpected incident that may happen on the road.

Ride with friends

You are not advised to ride along, especially for a long-distance journey. Ride together with the other riders.

At least, you will not be alone in case of any untoward incidents. You can get help from your friends if something is wrong with your motorcycle.

Prepare enough money

Don’t forget to prepare for extra cash. We never know what may happen during our long-distance trip.

Say if something is wrong with your motorcycle and needs to be repaired at the workshop. You can easily send it without worry if you stand by enough cash!

Clear visibility

You will be exposed to extreme heat. Therefore make sure you wear the right sunglass to improve your visibility on the road.

You are also recommended to use a helmet equipped with a visor to assist your riding.

Rest if you feel tired

Riding a motorcycle is more tiring than driving a car, especially on a long trip. You are encouraged to stop at any rest area to rest and cool down the engine.

Do not speed to reach your destination early. Your safety comes first.

Pull into a rest stop and take a quick catnap. Get rest for at least 20 minutes before continuing your ride on highways.

Keep safe distance

If you ride together with other riders, please
be mindful of the following distance
. Avoid moving too close to each other for a potential collision.

You do not only put yourself in danger but other road users as well.

If you need to communicate while riding, use hand signs to give a signal.

Follow these motorcycle safety tips

We hope this article is helpful to assist motorcyclists in planning a long-distance journey safely.

Please do not forget to ensure your road tax and insurance coverage are still active before you hit the road! Save yourself from trouble if you bump into a roadblock.

Do not ride your motorcycle without active insurance and roadtax
 to avoid getting summonsed by the authorities.

For your convenience, you may renew them easily at Bjak.
Visit Bjak to receive a free quote
.

Get A Quote

Also read

How To Keep A Safe Following Distance on the Road?
What Happens If You Skip Your Car Insurance Renewal?
How to Enhance Your Car’s Visibility on the Road


从排烟颜色，辨别汽车引擎问题

汽车引擎正常工作时，燃料在气缸内燃烧后生成废气通过排气管排出车外。当燃料完全燃烧时，排出的废气中主要含有水蒸气、二氧化碳和氮气，因此废气的颜色一般为浅灰色或是无色透明的。

当引擎工作不正常或燃料燃烧不完全时，废气中会伴有碳氢化合物、一氧化碳、氮氧化合物及碳烟等有害物质，这会使废气呈现出黑色、蓝色、白色等异常的排烟颜色。

汽车的排烟颜色直接反映了引擎的状况及燃料的燃烧情况。因此，车主可以通过排烟颜色来判断引擎操作是否正常。

Contents =

黑烟
汽车排出黑烟将被罚款
白烟
蓝烟
灰烟
做一个谨慎负责的车主

黑烟

排气管冒黑烟的情况大家应该见过不少，尤其是行驶在老货车或罗里后方时，被笼罩在浓浓黑烟里，那种感觉实在很不好受。

如果踩油门时，排气管冒出浓浓黑烟，说明引擎内混合气过浓，燃烧不完全。这有可能是由于汽车引擎超负荷、气缸压力不足、空气滤芯堵塞、个别气缸不工作及点火过迟等情况。

此时引擎会产生较大的抖动，有发生危险的可能，这种情况下应立即送往
汽车维修厂
检查。

汽车排出黑烟将被罚款

另外，车主需要注意，若汽车喷出黑烟污染环境的话，
将触犯环境素质法令
，可以被判罚款高达RM2000。

环境局可以援引1974年环境素质法令对付违规的车主，抵触该法令的违规行为包括排放黑烟、排放污染气体，以及噪音排放超出环境素质条例的规定。

违规者将受到对付，包括接到最高2000令吉的罚单。没有在规定期限内缴付罚单的车主，将被控上法庭，最高刑罚为罚款不超过10万令吉，或监禁不超过5年，或两者兼施。环境局官员将对违规车辆发出暂禁上路通知，直至该车辆在指定期限内改善为止。

白烟

启动引擎几秒钟后时汽车排气管冒白烟是正常的现象。如果您的汽车排气管冒出浓浓的白烟，则应当注意。

白色的烟是汽车引擎燃烧引擎油所产生的气体。排气管冒出浓浓白烟可能是活塞和气缸松动，或是气阀的油封出现了破裂等问题。

引擎会出现这些故障是因为长时间没有更换引擎油，或者长时间让引擎处在高负荷的工作状态所产生的。

如果发现到排气管出现白烟的现象，记得要时刻留意引擎油的水平，或是找专业的技术人员处理。

蓝烟

排气管喷蓝烟，并且会伴随烧焦的味道，如果发现这种情况，一般是由于车辆的引擎油已经流入了燃烧室，与汽油参与了燃烧，俗称“吃黑油”（或称烧机油）。

这很可能是由于引擎的活塞环与密封出现了问题。这种情况下车辆不仅会在引擎油消耗上产生异常，同时还会加剧引擎内零件的磨损程度。

为了安全起见，请立即将您的车辆带到维修厂进行检查。

灰烟

如果排气管冒灰烟，表示引擎已经烧机油，上面提到冒蓝色的烟也是烧机油，那跟灰烟有什么区别呢？排气管冒蓝烟说明烧机油没那么严重，但冒灰烟则说明情况非常严重，引擎油油量进入燃烧室特别多，所以冒出来的是灰色的烟。

这时候，您会发现机油消耗得特别快，而且汽车动力也不足。

如果发生这种情况，您需要立即到汽车维修厂进行补救措施。

做一个谨慎负责的车主

汽车排气管排出的气体颜色是显示汽车健康状况的指标，排烟异常就表示汽车可能生病了，车主应多加留意。

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。另外，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。

另外，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：

保养轮胎的4个方法
拥车族一定要知道的省钱方法
车内必备应急物品，您都准备了吗？
车主必知！保养车漆的4个方法
我可以随意更换汽车颜色吗？


Zurich Takaful Car Insurance: Is It Worth It?

Are you looking forward to switching your existing conventional motor insurance policy to a motor takaful plan? If the answer is yes, then look no further than Zurich Takaful car insurance.

This Shariah-compliant
car policy
 has a lot of incredible benefits for vehicle owners and is one of the best plans available in the market. Continue reading as we share why it’s worth considering this your preferred
car insurance
.

Contents =

What’s covered under Zurich Takaful?
Key benefits
Get Zurich Takaful policy

What’s covered under Zurich Takaful?

Zurich Takaful is a comprehensive policy that protects policyholders from loss or damage to their cars due to accidents, fire or theft, third-party bodily injury and death, and third-party property loss or damage.

It uses the Shariah concept of Wakalah and Tabarru. Hence, the policy is free from elements of Al-Gharar (uncertainty), Al-Maisir (gambling), and Riba (interest).

The policy also offers the following benefits to policyholders:

Temporary Courtesy Car Cover (Non-Tariff)
Towing and Cleaning due to Water Damage (Non-Tariff)
Key Replacement (Non-Tariff)
Waiver of Betterment (Non-Tariff)

Key benefits

Less payment for drivers’ in the low-risk segments

Discounts of up to 10% on the motor contribution for cautious drivers.

Up to 20% discount with a voluntary excess

Choose the offered limit that you wish to self-pay during claims to get discounts on motor contributions.

Water Damage Cover for as low as RM10 per year

Reimbursement of up to RM5,000 on towing and cleaning of the vehicle due to flood.

PA Cover up to RM175/car for as low as RM15 per year

Protects the policyholder and their whole family or any other passengers in the car.

60% discount off the tariff rate for Special Perils coverage

Savings on your contribution for special perils coverage such as earthquakes, sinkholes, landslides and floods.

Complimentary cover extension to unlimited named drivers for private use

Extend your coverage to an unlimited number of additional named drivers free of charge.

Waiver of Betterment

Replace damaged vehicle parts with new, original parts at no extra cost with Zurich’s Waiver of Betterment.

Enhanced Windscreen Cover

Your windscreen cover will not be terminated after a replacement claim. The sum covered will be reduced by deducting the windscreen claims amount.

*Option to reinstate the claims amount portion of your windscreen cover at a pro-rated contribution rate.

Get Zurich Takaful policy

Zurich Takaful car insurance is a Shariah-compliant car policy that offers complete coverage for car owners. If you are looking for the best place to get your motor takaful plan, Bjak is the one for you.

We have up to four takaful brands, including Zurich Takaful, to compare. Enjoy huge savings of up to RM500 on top of all the benefits you can get when signing up for motor takaful plans. Visit our website to get your free
car insurance quotes
 in minutes and own your ideal policy.

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:

MSIG Car Insurance: Top 3 Plans For Private Cars
Etiqa Comprehensive Coverage For Private Cars
MyEG Roadtax Renewal Guide For Beginners


Risiko Jika Anda Under-Insured Kereta

Berjaya perbaharui
insurans kereta
 dengan harga yang murah adalah satu perkara yang pastinya menggembirakan buat sesiapa sahaja. Jika ia disertakan bersama perlindungan yang mencukupi dan terbaik, maka ia bukanlah satu masalah. Namun, jika kenderaan itu sebenarnya terkurang perlindungan atau
 under-insured
, maka ia mungkin berisiko buat pemilik kenderaan tersebut.

Contents =

Apakah itu under-insured?
Bagi kes kemalangan kereta
Bagi kes kecurian kereta
Apakah risiko anda under-insured kenderaan?
Kerugian untuk diri anda
Dapatkan perlindungan yang mencukupi

Apakah itu under-insured?

Ali memiliki sebuah kereta jenama A dan nilai pasaran keretanya pada ketika ini adalah berjumlah RM40,000. Walau bagaimanapun ketika memperbaharui insurans, Ali hanya menginsuranskan keretanya sebanyak RM27,000, iaitu di bawah harga pasaran semasa kerana premiumnya lebih murah.

Inilah yang dimaksudkan dengan
under-insured
. Dengan kata lain,
under-insured
 merupakan suatu keadaan di mana nilai perlindungan insurans adalah kurang daripada nilai pasaran sebenar bagi melindungi harta yang diinsuranskan, seperti kereta.

Jika berlaku kemalangan, kecurian atau kebakaran, nilai pampasan yang bakal diperoleh bukan sahaja akan kurang daripada harga pasaran semasa kereta anda, malah lebih rendah daripada jumlah yang telah anda insuranskan ketika memperbaharui insurans.

Formula pengiraan:

Bagi kes kemalangan kereta

Kita ambil contoh daripada situasi Ali di atas tadi. Ketika memperbaharui insurans, nilai pasaran semasa untuk keretanya pada ketika itu adalah sebanyak RM40,000 bukan?

Namun 10 bulan berlalu dan Ali terlibat dalam kemalangan. Pada ketika ini, nilai pasaran bagi keretanya telah menurun ke RM36,000 dan dia memerlukan nilai tuntutan sebanyak RM5,000 bagi menampung kos pembaikan keretanya.

Berikut merupakan jumlah tuntutan yang Ali layak perolehi daripada syarikat insurans:

Pihak insurans mungkin hanya akan membayar pampasan kepada Ali sebanyak RM3,750 manakala baki lagi RM1,250 perlu ditanggung oleh Ali sendiri.

Bagi kes kecurian kereta

Ketika memperbaharui insurans, Ahmad memperbaharui insurans mengikut nilai pasaran semasa, katakan berjumlah RM40,000. 10 bulan berlalu dan kereta Ahmad dicuri. Pada ketika itu, nilai pasaran semasa bagi keretanya adalah sebanyak RM35,000 sahaja.

Maka Ahmad tidak akan mendapat pampasan penuh dan bahkan mungkin lebih rendah daripada jumlah RM35,000 itu!

Apakah risiko anda under-insured kenderaan?

Kerugian untuk diri anda

Jika berlaku kemalangan, anda tidak akan mendapat pampasan yang penuh daripada syarikat insurans. Bahkan, anda mungkin terpaksa menggunakan wang sendiri bagi menambah kos pembaikan kereta anda (bagi kes kemalangan) dan tidak menerima pampasan penuh (bagi kes kecurian kereta/ total lost akibat kebakaran atau kemalangan).

Ini adalah sangat merugikan berbanding jika anda menginsuranskan kenderaan anda mengikut
 agreed value
 ketika memperbaharui insurans.

Dapatkan perlindungan yang mencukupi

Pastikan kenderaan anda dilindungi dengan polisi insurans yang terbaik. Jika anda kurang arif, dapatkan bantuan daripada pasukan khidmat pelanggan syarikat insurans pilihan anda itu bagi mendapatkan penjelasan lanjut. Ketahui perbezaan jika anda
renew insurans kereta
 mengikut market value, agreed value atau kurang daripada harga pasaran. Selepas itu, barulah anda nilaikan mana yang terbaik untuk kereta 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

Baca juga:

Sum Insured Insurans Kereta: Market Value vs Agreed Value
Renew Insurans: Berbaloikah Insuranskan Kereta Ikut Nilai Pasaran?
Bagaimana Harga Insurans Kereta Dikira?


5 Tips To Save Money on Vehicle Fuel

Owning a vehicle has become a necessity for many people these days. It has become a primary mode of transport, especially if one’s residence is not accessible to public transport and is far from the workplace.

However, vehicle owners must be prepared to bear a host of additional commitments that come with having a vehicle. Bank loan monthly repayments, vehicle services, vehicle breakdowns, insurance and roadtax annual renewals, toll payments, and vehicle fuel all add to your financial commitments.

Some of the commitments above are beyond your control, such as the bank loan repayment amount. There are also commitments that you can control, such as vehicle service cost and vehicle fuel usage.

In this article, Bjak will share a few tips to save money on vehicle fuel.

Contents =

Reduce load in your vehicle
Do not let the engine run too long while waiting
Adjust your air conditioner’s temperature
Do not accelerate suddenly
Service your vehicle as scheduled
Follow fuel-saving tips

Reduce load in your vehicle

Some of us may be guilty of making our vehicles a storage place. Boxes, bags, shoes, and more stored in a car make a car a mess.

Stuffing items in your car may not seem dangerous as the things are safe. However, did you know that excessive carload can damage your vehicle in the long run?  According to Automotive Fleet, an excess of 200 pounds (about 90.7 kg) can reduce fuel efficiency by a mile or about 1.6 km.

Besides causing your vehicle fuel to run out faster, excessive carload can damage the vehicle’s suspension system.

As such, please do not exceed the maximum carload. You may find it convenient to store many items in your car. However, doing that may require you to spend more money on your car repair for damage that could be well avoided.

Do not let the engine run too long while waiting

Do you need to park your car and wait for someone in your for quite some time? If so, turn off your engine to prevent it from running for too long.

Please do not turn on and off your car engine repeatedly while waiting as it can consume more fuel.

Turn off the engine if you are sure you will be waiting for a long time. Additionally, roll down your windows slightly to let air enter your car.

Adjust your air conditioner’s temperature

As the
air conditioner
 is powered by fuel, ensure that you do not often set it to the lowest temperature.

A lower air conditioner’s temperature means more fuel consumption. As such, try to keep an average or slightly higher temperature to save your fuel. To keep your car less warm, so you do not have to set your air conditioning to the lowest temperature, park your vehicle in a shady area.

Do not accelerate suddenly

Accelerating your vehicle suddenly consumes more fuel.

Other than that, if you frequently press the brake and gas pedals in a traffic jam, that, too, will consume more fuel.

Therefore, do not make accelerating your vehicle a habit to save your vehicle fuel. Additionally, avoid driving during peak hours, if you can.

Service your vehicle as scheduled

Please do not miss any car service appointments as
regular car maintenance
 is essential. Regularly changing engine oil, timing belt, coolants, and others are necessary for safe driving.

Other items that you should regularly replace upon inspection are the air filter and fuel filter.

Failure to replace the fuel filter regularly will burn fuel inefficiently. Inefficient fuel consumption may lead to the release of harmful gases into the air.

Follow fuel-saving tips

We hope the above tips can help you save more money on your car fuel.

In addition, you are advised to keep your car components in good condition to avoid any damage to your vehicle. To learn more car tips, feel free to take a look at past articles by Bjak.

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


Road Tax Exemption for EVs and Motor Vehicles for OKU

Good news to electric vehicle (EV) owners and persons with disabilities (OKU) who own motor vehicles!

The government, through the Road Transport Department (JPJ), will offer a
full motor vehicle licence fee (road tax) exemption for electric vehicles (EVs) and motor

vehicles for OKU
.

The road tax exemption for EVs will take effect from January 1, 2022, to December 31, 2025. The road tax exemption for vehicles for OKU will also take effect from January 1, 2022.

Contents =

Road tax exemption for electric vehicles (EVs)
Road tax exemption for vehicles for persons with disabilities (OKU)
Eligible vehicle owners who have obtained a road tax after January 1, 2022, but before the application opening date, can get a rebate
Get in touch with JPJ for further information

Road tax exemption for electric vehicles (EVs)

Transport minister
Datuk Seri Dr Wee Ka Siong
 said the motor vehicle licence exemption only applies to full EV vehicles. The EVs must be fully battery or fuel cells powered to qualify for the exemption.

Explained Wee, the exemption does not apply to hybrid vehicles equipped with either petrol or diesel-powered internal combustion engines.

EV owners can apply for the road tax exemption from February 15, 2022.

Road tax exemption for vehicles for persons with disabilities (OKU)

Wee said the motor vehicle licence exemption for vehicles for persons with disabilities (OKU) only applies to motor vehicles specially modified for OKU. For motor vehicles not specially modified for OKU, the exemption only applies to Completely Knocked Down (CKD) vehicles and national cars.

According to Wee, eligible motor vehicles must be registered and licenced under the particular OKU. The OKU must also be registered with and have a valid OKU card issued by the Social Welfare Department (JKM).

Wee added they also
extend the motor vehicle licence exemption to motor vehicles registered or owned by registered OKU parents or guardians and have OKU children and disabled spouses registered with JKM
.

Road tax exemption application for motor vehicles for OKU will begin on March 15, 2022.

Eligible vehicle owners who have obtained a road tax after January 1, 2022, but before the application opening date, can get a rebate

Eligible vehicle owners who have obtained a new or renewed their motor vehicle licence after January 1, 2022, but before the application opening date
for either exemption
 are eligible for a rebate.

The vehicle owners or representatives may visit any JPJ counter to surrender their road tax. Following that, they can get a rebate to a prescribed amount.

“Subsequently, the vehicle owner or representative can proceed to apply for the motor vehicle licence exemption,” said Wee.

Get in touch with JPJ for further information

You may contact JPJ customer service for further information on the motor vehicle licence exemption.

Bjak offers 15 insurance brands on its
insurance comparison site
 for consumers to compare before renewing their insurance. Get your
free motorcycle or car insurance quotes online
 at Bjak today and
renew your insurance
 easily and quickly
.


三号车险是明智选择吗？给您详细优缺点分析

购买汽车保险是每一个车主的责任，以作为司机或第三方在遭遇意外时的保障。在完善的保障下，车主可以在意外发生时无需自掏腰包，而是由保险公司承担所需的费用，有助于减轻车主负担。

相信大家也知道，汽车保险可分成：

1. 一号车险或综合型保险

2. 第三方、失火及失窃保险

3. 三号车险或第三方保险

相信大部分车主也知道，如果您购买的是综合型保险，自然会获得更全面的保障。但，如果您只为爱车购买三号车险呢？值得吗？继续阅读本文了解更多！

索取报价

Contents =

为爱车购买三号车险或第三方保险，值得吗？
什么时候可以更新第三方保险？
购买第三方保险，能添加附加保险吗？
持有第三方车险，遇到以下情况，不能提出索赔！
让您的爱车获取最好的保障

为爱车购买三号车险或第三方保险，值得吗？

您需要知道的是，一号车险和三号车险有着相当大的区别。如果您购买的是三号车险，意味着这份保单只是保障“第三方”，而不是保障您本身。

第三方指的是和您一起发生意外的“对方”，也就是您撞到的那辆车子的车主，而第三方保险只会保障对方财物上的损失或损坏。至于您自己的维修费，则需您自行负责。

建议您在以下情况下，才给爱车投保三号车险：

1. 车子已经很旧，车龄超过15年

2. 很少使用这辆车子

相反的，如果您的车子还很新，或经常会用它上下班，又或是市场价格还很高的情况下，不建议您购买三号车险。

什么时候可以更新第三方保险？

就像上文提到的，如果您的车子
车龄已经大约15年以上
，才考虑购买第三方保险。然而，如果您有能力购买其它类型的保险，建议您考虑第三方、失窃及失火保险。

至于车龄10年及以上的，建议选择综合型保险。

购买第三方保险，能添加附加保险吗？

大多数的保险公司不会为第三方保险提供额外保障，但是也有保险公司会让投保第三保险的车主添加附加保险，像是为乘客提供额外法律责任保护的安联保险公司。

持有第三方车险，遇到以下情况，不能提出索赔！

1. 您的车子被偷

2. 您的车子着火

3. 您开车时撞到交通灯，造成车子严重受损

4. 您和另一辆车子相撞并严重损坏

5. 您开车撞到动物

注意：当您的汽车和另一辆汽车相撞时，对方就可以向您所持有的三号车险提出索赔。

让您的爱车获取最好的保障

尽管第三方保险比其它类型的保险更便宜，但记住它只是保障第三方，对您的车子是没有任何保障的。作为一名精明的车主，请确保您的爱车获得最好的保障，避免发生意外时遭受任何财务上的损失。

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


Kesalahan Sering Dilakukan Ketika Renew Insurans

Memilih perlindungan insurans yang terbaik untuk kenderaan adalah sangat penting. Dengan kewujudan pelbagai jenama insurans dan takaful pada hari ini, pemilik kenderaan perlu lebih bijak dan peka dalam memilih pelan yang bagus untuk kenderaan mereka.

Ingat, harga kereta bukan seringgit dua. Tanpa perlindungan yang mencukupi, anda sebagai pemiliknya mungkin perlu menanggung beban kewangan yang lebih berat jika berlaku sesuatu pada kenderaan anda kelak.

Bagaimanapun, memilih pelan insurans kadang-kala memang agak mengelirukan. Dengan
langkah liberalisasi tarif insurans motor
 yang dilaksanakan
sejak 2017
, pengguna kini boleh melihat pelbagai manfaat dengan harga yang berbeza ditawarkan oleh setiap syarikat insurans dan takaful.

Jadi, anda sebagai pengguna perlu bijak.
 Goal
anda pastinya ingin mendapatkan pelan insurans yang menawarkan manfaat paling menarik pada harga yang paling menguntungkan. Di sini, Bjak akan kongsikan beberapa
kesilapan yang sering dilakukan oleh pemilik kenderaan ketika membeli insurans kereta
.

Semoga boleh dijadikan panduan!

Contents =

Main beli je, tak buat research dulu
Terlalu banyak perlindungan atau terkurang perlindungan
Tak bandingkan insurans
Tak faham keperluan anda sebelum renew insurans
Tipu maklumat
Tak renew insurans secara online

Main beli je, tak buat
research
 dulu

Dalam apa jua perkara, kajian atau
research
perlu dilakukan lebih-lebih lagi jika ia melibatkan wang ringgit, keselamatan, dan manfaat anda. Sama jugalah seperti insurans, anda sebenarnya perlu buat
 research
 terlebih dahulu sebelum memilih untuk mendapatkan perlindungan daripada syarikat terbabit.

Research
 bagaimanakah yang dimaksudkan?

Anda boleh pergi ke laman media sosial syarikat tersebut dan lihat maklum balas yang diberikan oleh pengguna sebelum ini. Lihat sama ada manfaat dan harga yang ditawarkan
 okay
 atau tidak, proses tuntutan mudah atau tidak, urusan pembaharuan insurans dan roadtax ambil masa atau tidak dan lain-lain lagi.

Kadang-kala, ramai dalam kalangan kita yang mengambil remeh mengenai hal pembaharuan insurans dengan sekadar mengambil pelan yang menawarkan harga terendah tanpa mempedulikan faktor lain. Pada akhirnya, mereka rasa kerugian apabila berlaku sesuatu kerana banyak perkara yang tidak boleh dituntut atau dilindungi oleh syarikat insurans.

Lakukan
research
 ini sampailah anda berpuas hati. Jangan buat secara tergesa-gesa tanpa mempedulikan perlindungan dan manfaat yang sepatutnya boleh diperoleh.

Terlalu banyak perlindungan atau terkurang perlindungan

Ini juga antara salah satu kesilapan lain yang sering dilakukan oleh segelintir daripada kita apabila membeli insurans. Ada yang terlalu bersikap berjaga-jaga sehingga terlebih pula perlindungan ketika membeli insurans, namun ada juga yang jenis tidak kisah, sehingga tidak langsung mempedulikan perlindungan tambahan lain yang sepatutnya dimiliki.

Contohnya, jika anda mengambil perlindungan insurans paling asas iaitu polisi pihak ketiga sahaja, kereta anda sendiri tidak akan dilindungi, dan ia hanya akan memberi perlindungan terhadap kereta yang dilanggar oleh anda sahaja. Walaupun polisi pihak ketiga ini sememangnya lebih murah, namun ia tidak memberikan perlindungan yang mencukupi. Pada akhirnya, anda sendiri yang rugi dan terpaksa menanggung masalah kewangan yang lebih besar.

Tak bandingkan insurans

Ada segelintir daripada kita yang lebih gemar
auto-renew
 insurans atau renew insurans dengan syarikat yang sama pada setiap tahun.

Rugi ya jika anda buat begini! Mana tidaknya, manfaat atau harga yang ditawarkan oleh syarikat insurans tersebut mungkin bukanlah yang terbaik ada di pasaran pada ketika itu. Sepatutnya, anda perlu membuat perbandingan dengan sekurang-kurangnya 3 syarikat insurans sebelum memilih mana-mana perlindungan insurans untuk kereta anda.

Rasa leceh nak kena banding satu per satu? Mana ada lah.. Sekarang ni pelbagai platform perbandingan insurans kereta disediakan untuk pengguna, seperti Bjak. Contohnya dengan menggunakan Bjak, anda boleh buat perbandingan sekaligus dengan lebih 10 jenama insurans dalam satu masa. Mudah kan? Jadi, pastikan anda buat perbandingan dulu bagi memastikan anda boleh mendapatkan pelan insurans terbaik pada harga terendah.

Tak faham keperluan anda sebelum renew insurans

Setiap pemandu atau pemilik kenderaan memiliki keperluan yang berbeza-beza. Jadi, pentinglah untuk anda memahami apa yang diperlukan oleh anda sebelum memperbaharui insurans.

Cuba baca atau lihat jenis-jenis polisi insurans yang ada di pasaran. Jika kereta anda berusia kurang daripada 10 tahun dan masih di bawah pinjaman bank, maka anda sememangnya perlu mengambil pelan jenis komprehensif untuk kereta anda. Di dalam pelan itu pula, anda boleh membeli pelbagai jenis perlindungan tambahan lain seperti perlindungan untuk
windscreen
, bencana alam dan lain-lain. Tanya diri anda soalan-soalan ini antaranya:

Apakah risiko cermin kereta anda untuk retak atau pecah? Jika berisiko (anda selalu buat perjalanan jauh, atau parking di luar), maka anda digalakkan untuk beli perlindungan tambahan
windscreen
 ini.
Adakah tempat anda berisiko alami bencana alam seperti banjir? Jika ya, anda perlu dapatkan perlindungan peril khas di dalam polisi komprehensif anda
Ada tak anda tukar atau ubah suai mana-mana bahagian kereta dengan yang baru? Contohnya
sport rim
baru ke? Jika ya, dapatkan perlindungan tambahan aksesori kereta untuk
sport rim
 baru kereta anda itu.
Kereta anda sering bertukar-tukar pemandu? Mudah kata, ramai yang gunakan kereta anda? Jika ya, dapatkan perlindungan tambahan untuk semua pemandu untuk kereta anda ketika renew insurans.

Untuk memahami lebih lanjut mengenai jenis-jenis perlindungan tambahan yang boleh anda ambil dan patut pertimbangkan ketika renew insurans, sila rujuk
artikel
 yang pernah dikongsikan kami sebelum ini.

Tipu maklumat

Dalam apa jua keadaan sekalipun, anda tidak boleh menipu. Jangan tipu syarikat insurans anda ketika menerima sebut harga atau membuat tuntutan insurans, kerana pada akhirnya anda juga yang akan rugi.

Jika penipuan anda diketahui, anda pada akhirnya mungkin tidak layak untuk membuat tuntutan insurans, malah mungkin terpaksa membatalkan polisi sedia ada anda.

Berlaku jujur dalam apa jua perkara. Jangan hanya kerana ini menjimatkan wang, anda akhirnya makan diri anda. Ketika tuntutan insurans, berikan maklumat yang betul seperti umur kenderaan, sejarah tuntutan, keadaan kemalangan, sejarah kemalangan lampau, maklumat ubah suai kenderaan dan lain-lain. Ini bagi memastikan syarikat insurans tidak menolak tuntutan insurans anda. Jika anda memberikan maklumat yang tidak betul, maka syarikat insurans ada alasan untuk menolak tuntutan insurans anda. Siapa yang rugi?

Tak renew insurans secara
online

Tahukah anda, anda sebenarnya lebih beruntung jika memperbaharui insurans secara
online
. Banyak syarikat insurans yang menyediakan perkhidmatan ini bagi memudahkan pengguna.

Dengan memperbaharui insurans secara
online
, anda juga berpeluang untuk mendapatkan diskaun sebanyak 10% seperti yang ditawarkan oleh kebanyakan syarikat insurans mahupun takaful. Lagi pula, anda tidak akan ditekan untuk memilih pelan-pelan tertentu jika membeli secara online. Anda boleh ambil masa, lihat, periksa, banding dan pilih pelan yang anda ingin miliki.

Untuk lebih mudah, anda boleh juga
renew secara online
 di Bjak. Di platform kami, lebih 10 syarikat insurans dan takaful terkemuka disediakan untuk anda banding dan pilih. Selepas anda banding, anda bukan sahaja boleh mendapatkan insurans dengan manfaat menarik, malah juga berpeluang untuk jimat sehingga RM480. Berbaloi bukan?

Secara amnya, kesilapan-kesilapan di atas mungkin banyak dilakukan oleh kita. Jadi, cuba elak daripada melakukannya lagi untuk pembaharuan insurans pada tahun ini. Ini bagi kepentingan dan keuntungan anda juga.

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.

Baca juga:

Fahami Liberalisasi Tarif Insurans Motor
Jimat Lebih Bila Renew Insurans Kereta Dengan 5 Cara Ni!
Bandingkan Insurans Kereta Terbaik di Malaysia
Cara Pilih Insurans Kereta


JPJ限制重型车辆  尖峰时段禁入隆市主要大道

陆路交通局JPJ发出禁令，
所有重量超过7500公斤的重型交通工具，禁止于每天早上6时30分至9时，以及下午4时30分至7时30分在吉隆坡的主要道路行驶
。

陆交局于6月2日在其官方脸书专页发文告指出，根据监测显示，重型车辆在高峰时段进入市中心，导致交通拥堵，并影响巴生河流域的交通流畅。

Contents =

入口处设置告示牌列明时间段
在上午和下午时段禁止重型车辆行驶的路段
在下午时段禁止重型车辆行驶的路段
违规者或被控上庭最高罚款RM2000

入口处设置告示牌列明时间段

文告表示，在特定时段限制行驶的道路将是距离市中心至少5公里的道路，当局将在市中心的入口处设置告示牌，列明禁止重型车辆进入市中心的时间段。

文告也补充，重型车辆禁止进入城市主要道路的禁令已经执行 了一段时间，但自我国进入地方流行病过渡阶段后，重型车辆司机似乎无视这个规定，以致重型车辆的通行量增加，造成隆市出现交通拥堵的问题。

在上午和下午时段禁止重型车辆行驶的路段

所有吉隆坡市中心的道路
古晋路（Jalan Kuching）从怡保路的华友花园（Taman Wahyu）到市中心路段
云顶吉冷路（Jalan Genting Klang）从拉曼理工大学到市中心路段
蕉赖路从美达花园（Taman Midah）到市中心

在下午时段禁止重型车辆行驶的路段

甲洞路
怡保路从甲洞交通圈到峇都喼路（Jalan Batu Caves）
加叻大道（Karak Highway）
鹅唛路（Jalan Gombak）从甘榜班达达南（Kampung Bandar Dalam）路至吉隆坡交界处
云顶吉冷路（Jalan Genting Kelang）
蕉赖路（Jalan Cheras）从富都路（Jalan Pudu）至登特朗路（Jalan Tenteram）

违规者或被控上庭最高罚款RM2000

任何违反禁令的重型交通工具司机和公司业者，可被罚款不超过RM300，被控上法庭罚款不少于RM300至不超过RM2000。

资料来源：
Jabatan Pengangkutan Jalan Malaysia

资料来源：
Jabatan Pengangkutan Jalan Malaysia

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

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，才能在公路上合法行驶。

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：

汽车与大型罗里共用道路的安全提示
远离大型罗里的盲区，降低意外风险
3月起，E、E1、E2重型车驾照合并
安全开车：在交通拥挤的道路上开车的6个技巧


Parking Payments in Selangor to Go Fully Digital Starting April 1

The parking payments will go fully online in Selangor from April 1 in all districts, except for Sabak Bernam and Hulu Selangor, according to a report by
Free Malaysia Today
.

Public transport and new village development committee chairman Ng Sze Han said Selangor has begun implementing the system in stages since January 1 to give motorists adequate time.

He said the use of paper parking coupons and manual payments using coin machines will end on March 31.

Public can download the Smart Selangor Parking (SSP) app on their smartphones

He said the public can pay the parking fees digitally through the Smart Selangor Parking (SSP) mobile app. The app is available for download via the Apple App Store, Google Play, and the Huawei App gallery.

The app requires users to fill in their car registration numbers and pay according to the parking hours.

“For drivers who do not have a smartphone or online banking accounts, they can make payments and purchase top-up credits for e-coupons through 100 shops recognised by the local authority,” he said.

He added the shops will display the signs “SSP” and “e-coupons sold here”.

Ng said motorists can convert the unused coupons into credit through the SSP app from March 16 to April 30.

“Unlike before, senior citizens need not walk back to their car and place the printed receipts as payment is recorded online for enforcement officers to check virtually,”
 Ng added.

Special two-hour parking zones in busy commercial areas

Meanwhile, Subang Jaya Municipal Council (MBSJ) will soon implement the
special two-hour parking zones
 called “Zon 2 Jam”.

Subang Jaya Mayor Johary Anuar said MBSJ will implement it at selected busy commercial areas in Subang Jaya and Puchong.

The special parking zones that are currently under review include:

USJ 9
USJ 10
SS19
Bandar Puteri Puchong
Bandar Sunway

The rates for these zones will be 60sen (RM0.60) for half an hour or RM1.20 per hour.

“We aim to make the street-parking facility available to visitors to the areas rather than being dominated by those who work there,” he said.

He said private and commercial vehicles can only park for a maximum of two hours at these places. After reaching the two-hour limit, they must vacate their spots.

MBSJ is also looking to implement special parking zones on other roads and areas.

Bjak is
one of Malaysia’s biggest insurance comparison sites
, offering 15 insurance brands.
Get your
free motorcycle or car insurance quotes online
 at Bjak and
renew your insurance
 in 5 minutes.


做好汽车常规检查，平安回乡最重要

年关将至，尽管疫情反复，但人们似乎已做好准备回乡过年，还有不少人更是选择在新年期间出游cuti-cuti Malaysia。无论是北上还是南下，为了让整个自驾旅途更安心、舒适，开车人士在出发前千万要做好汽车的常规检查。

Contents =

汽车常规检查
检查轮胎
检查刹车油及刹车片
检查黑油
检查变速箱油（gearbox oil）
检查雨刷器
检查电箱水
检查车灯
汽车仪表盘
准备车内应急物品
为Touch’n Go 卡充值
若发生事故，请联系您的保险公司
确保您的车险与路税有效

汽车常规检查

检查轮胎

轮胎
作为唯一和路面接触的汽车部件，绝对不可以忽略。如果汽车在高速行驶时爆胎，不只会危害到自己和车上乘客的性命，还会危害到其他的道路使用者。因此，在出门前必须检查轮胎，包括胎压，还有汽车表面是否出现磨损、鼓包、外伤或划痕。

轮胎的坑面是唯一让能水排过的管道，当轮胎行驶到一定的里数后，表面的纹路会慢慢减少，轮胎的坑面也会渐渐变浅，那么在抓地力和排水性的表现就会随之下降。

一般上新轮胎的坑面高度介于10mm，轮胎坑面内侧的凸点也能提醒您轮胎坑面的高度，当磨损到少于3mm，或和凸点同样高度时，就是时候更换新轮胎了。

检查刹车油及刹车片

刹车油也是需要检查的一环，透过刹车油才能确保刹车系统做到刹车的效果。一般上，刹车油的工作周期可以耐很久，大概每6万公里替换一次，但也取决于用车习惯。刹车油不会自己消耗，主要是在
刹车片
变薄后，才会减少至一定的油量，所以只需要打开盖子查看油量，就可以推测刹车片的磨损程度。

检查黑油

汽车
黑油
（引擎油）作为润滑引擎内部的唯一物质需要定期更换，否则对引擎会造成损伤。

虽然引擎油称为黑油，但它的颜色并不是黑色的，干净或新的黑油通常是琥珀色（黄橙色）。汽车引擎在燃烧时产生污垢和异物，所以使用过的黑油颜色才会变成深黑色。

建议您至少每个月检查一次黑油的颜色及透明度。只要拉起油尺擦拭干净后再将油尺插回，然后再将油尺拉起检视油量位置是否在标准规定的上限（MAX）和下限（MIN）之间即可。

如果车子的车龄较老旧，平日有吃油的现象，最好在车尾箱准备一罐规格相同的备用黑油，以备不时之需。

检查变速箱油（gearbox oil）

变速箱油
主要是润滑变速箱内部的机械结构，同样需要定期更换，一般的更换期限介于2万公里。检查方式和检查黑油一样，正常的油量介于上下限之间，只要不少过或不多过就为标准。

检查雨刷器

雨刷器
在雨中驾驶扮演着重要的角色。想要确保雨刷器可否正常运作，记得要检查胶条和挡风玻璃是否紧密结合。另外，别忘了为车子添加雨刷水。

检查电箱水

现在的市售车多半配备免加水、免保养的
电箱
，因此要检查电箱只需检查电箱上的视窗，看看视窗裡的颜色就可以知道电箱的状况，呈绿色或蓝色代表良好，白色代表电力不足。如果是黑色，那就得换新电箱了。

如果车辆是使用传统式电箱，电箱水也要维持在上下限的标准之间，如果过低就要赶快添加蒸馏水，记得只能使用蒸馏水，否则会缩短电箱寿命。

检查车灯

出远门走长途路时，难免会
走夜路
。在走夜路时，
车灯
就会是为你指引方向的必备品。车灯不仅能照明道路，还能成为警示灯。

因此，出发前记得检查汽车的前后灯、刹车灯、转向灯等都操作正常。

汽车仪表盘

仪表盘是汽车和司机传递信息的重要管道，仪表盘上的
警示灯
将提醒您车子出现的问题。建议您在回乡或出游前，到汽车维修中心检查车子，以确保一切都操作正常。

准备车内应急物品

一旦开车上路，就算十分谨慎小心，意想不到的事情仍然随时都会发生，如：汽车抛锚、爆胎等等。因此，作为一名明智而谨慎的车主，最好在车里置放应急物品，比如：急救箱、换胎工具、备胎等等。

陆路交通局JPJ提醒车主应在车内准备的应急用品
。

想要知道详细的车内应急物品有哪些，可参阅：
车内必备应急物品，您都准备了吗？

关于换轮胎的简单步骤，可参阅：
换轮胎的简单方法

为Touch’n Go 卡充值

不要忘记为您的 Touch ‘n Go 卡充值，以确保您的旅程顺利并避免收费站拥堵。

如果您的旅程将通过南北高速公路 (PLUS)，还请确保您的车辆已安装
RFID标签
。

若发生事故，请联系您的保险公司

若在高速公路或大道上发生状况，比如：意外、汽车抛锚、轮胎爆胎等，请立刻拨打
保险公司的热线
或
大道公司的热线
需求帮助。

确保您的车险与路税有效

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。

延伸阅读：

5个超实用开车省油的方法
开车违规插队，小心接罚单！
汽车引擎过热，怎么办？
小心驾驶 别让野生动物成为轮下亡魂
突然换车道致意外 最高罚款1万令吉


Renew Roadtax: Apa Yang Anda Perlu Tahu

Setiap pemilik kenderaan yang berdaftar di Malaysia wajib untuk renew roadtax dan insurans pada setiap tahun bagi memastikan kenderaan dapat dipandu secara sah di atas jalan raya. Justeru, penting untuk anda tahu segalanya tentang roadtax agar urusan anda berkaitan hal pembaharuan roadtax berjalan dengan lancar.

Baca artikel untuk tahu dengan lebih lanjut segalanya mengenai roadtax.

Contents =

Apakah itu roadtax?
Apakah kaitan antara roadtax dan insurans kereta?
Berapakah harga untuk renew roadtax?
Apakah penalti sekiranya tidak renew roadtax?
Bilakah pemilik kenderaan perlu renew roadtax?
Bagaimanakah cara menyemak roadtax?
Pengecualian pembaharuan roadtax berakhir 31 Disember 2021. Patutkah saya renew sekarang?
Apa jadi sekiranya anda lewat renew roadtax anda?
Apakah cara renew roadtax motosikal?

Apakah itu roadtax?

Roadtax merupakan sejenis cukai yang dikenakan ke atas setiap pemilik kenderaan bermotor di Malaysia sebelum kenderaan berkenaan dibenarkan untuk dipandu di jalan raya secara sah.

Roadtax wajib diperbaharui setiap tahun, seperti yang telah ditetapkan oleh
Jabatan Pengangkutan Jalan (JPJ)
di bawah Akta Pengangkutan Jalan 1987. Roadtax atau cukai jalan yang dibayar oleh anda itu akan digunakan sebagai keperluan utama pihak Jabatan Kerja Raya Malaysia (JKR) bagi membaiki, membina, dan menaik taraf jalan raya di Malaysia.

Roadtax kenderaan perlu diperbaharui dalam tempoh masa yang ditetapkan dengan harga tertentu pada setiap tahun bagi mengelakkan daripada dikenakan tindakan penalti.

Apakah kaitan antara roadtax dan insurans kereta?

Covernote
 insurans

Sama seperti roadtax, insurans kereta adalah perlindungan yang wajib diambil oleh setiap pemilik kenderaan.

Insurans wajib dihidupkan terlebih dahulu sebelum anda membuat roadtax untuk kenderaan anda. Sekiranya insurans belum dibuat, maka proses untuk membuat roadtax tidak akan dapat diteruskan baik secara
online
 mahupun
offline
.

Berapakah harga untuk renew roadtax?

Harga roadtax di Malaysia adalah berbeza
 berdasarkan
kapasiti enjin
,
lokasi geografi
,
jenis kenderaan
 serta
pemilikan kenderaan
. Anda boleh mengetahui
 harga roadtax
 untuk kenderaan anda dan jenama lain menerusi perkongsian yang telah dibuat sebelum ini.

Apakah penalti sekiranya tidak renew roadtax?

Penting untuk anda renew roadtax anda sebelum tarikh tamat untuk mengelakkan dikenakan saman terutamanya ketika melalui sekatan jalan raya. Berdasarkan peruntukan undang-undang, pemilik kenderaan yang gagal menghidupkan cukai jalan boleh didakwa mengikut Seksyen 15(1) dan Seksyen 90(1) Akta Pengangkutan Jalan Raya (APJ) 1987.

Semakan tarikh luput roadtax semasa sekatan jalan raya

Bilakah pemilik kenderaan perlu renew roadtax?

Roadtax perlu diperbaharui pada setiap tahun. Anda boleh mengambil tahu tarikh tamat tempoh roadtax anda dengan menyemak tarikh yang tertera di atas sticker roadtax anda.

Roadtax anda boleh diperbaharui 60 hari, bersamaan dengan 2 bulan sebelum tarikh tamat tempohnya. Bagaimanapun ingat, sila perbaharui insurans anda dahulu barulah anda boleh renew roadtax anda ya!

Bagaimanakah cara menyemak roadtax?

Sekiranya anda tidak dapat menyemak tarikh yang tertera di atas kertas roadtax, anda boleh menyemak tarikh tersebut dengan mudah menerusi
portal JPJ
. Pihak JPJ akan memberikan butiran maklumat seperti tarikh permulaan dan tarikh luput roadtax anda, bersama dengan tarikh luput insurans.

Semakan roadtax boleh dibuat di portal JPJ

Pengecualian pembaharuan roadtax berakhir 31 Disember 2021. Patutkah saya renew sekarang?

Ada yang masih belum dapat memperbaharui roadtax lagi walaupun dah melepasi tarikh luput? Bukan anda sahaja, memang ramai orang yang mengalami kesukaran untuk perbaharui roadtax, lebih-lebih lagi dalam keadaan negara yang dilanda pandemik Covid-19.

Tapi jangan risau. Pihak kerajaan telah mengumumkan
pelanjutan terhadap tempoh pembaharuan Lesen Kenderaan Motor (LKM)
 dan Lesen Memandu Malaysia sehingga 31 Disember 2021 ini. Bagi pemilik LKM dan LMM yang telah tamat tempoh sah, mereka akan dikecualikan daripada dikenakan tindakan penguasaan pihak JPJ dan Polis Diraja Malaysia (PDRM) sehingga akhir tahun.

Pemilik LKM yang telah tamat tempoh sah perlu memastikan kenderaan masing-masing dilindungi insurans yang sah. Sijil Perlindungan Insurans (e-cover note) yang sah perlu dipaparkan dan ditunjukkan bagi tujuan pemeriksaan.

Apa jadi sekiranya anda lewat renew roadtax anda?

Selepas tempoh pengecualian berakhir, anda akan dikenakan denda sekiranya anda memandu dengan roadtax yang telah tamat lebih dari 1 tahun. Bagi kesalahan tiada/tamat lesen memandu, denda adalah sebanyak RM300 tanpa kompromi.

Bagi pemilik kenderaan yang telah melebihi 3 tahun/36 bulan daripada tarikh luput roadtax, anda perlu membawa kenderaan anda ke PUSPAKOM untuk menjalani pemeriksaan.

Ini adalah pemeriksaan wajib untuk memastikan kenderaan dalam keadaan baik. Anda boleh layari laman web
PUSPAKOM
 atau hubungi cawangan terdekat untuk menempah slot temujanji.

Apakah cara renew roadtax motosikal?

Sama seperti kereta, pengguna motosikal juga harus memperbaharui roadtax setelah tamat tempoh agar dapat digunakan secara sah di atas jalan raya. Pastikan tiada tunggakan saman sewaktu anda ingin perbaharui roadtax anda.

Anda juga boleh renew insurans dan roadtax motosikal anda secara online. Roadtax akan dihantar ke rumah.

Senang kan? Jom
semak harga insurans dan roadtax secara online
 di Bjak hari 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.

Baca juga:

Tempoh Renew Roadtax Kereta yang Anda Kena Tahu – Bukan 1 Tahun Je!!
Soalan Lazim Mengenai Insurans & Roadtax. Penting untuk Anda Tahu!
Saman Tertunggak, Bolehkah Anda Renew Roadtax?
Cara Renew Roadtax Online & Offline


更新驾驶执照的方法

作为一名开车人士，每年更新车险及路税是你必须做的功课。

然而，想要合法开车上路，除了需要拥有有效的车险及路税，你还需要拥有有效的驾驶执照。

为了方便开车人士，陆路交通局（JPJ）把驾驶执照的截止日期定在个人生日当天，这样就不会忘记更新驾照了。

Contents =

更新驾驶执照的费用
驾照逾期后更新 陆交局澄清不会罚款
更新驾驶执照的方法
线下更新
上网更新
持有有效驾照，才开车上路

更新驾驶执照的费用

驾驶执照持有者可以选择更新驾驶执照的期限，即一年、三年或五年。

以下是汽车驾驶执照（D 级别）按年限更新的费用：

有效年限
费用
1年
RM30
3年
RM90
5年
RM150

驾照逾期后更新 陆交局澄清不会罚款

今年1月，陆路交通局澄清，驾驶执照逾期后更新不会被罚款。

陆路交通局官员告诉
《南洋商报》
，目前当局是以生日日期作为更新驾照的日期，因此逾期者若前往更新驾照，那么将会自动被更新多1 年。

官员解释，若逾期者更新1 年期限驾照，基于期限不足1年，因此需要再加1 年。换言之，更新者需缴付多30令吉，以支付多1 年的驾照期限，而
这并非是罚款，而是接下来1年的驾照费用
。

他举例：“如果生日日期落在1 月1 日，而有关人士在1 月3 日或4 日才去更新驾照1 年，由于不足1 年期限，因此需要再加多1 年，让驾照的届满日期落在2024年的1 月1 日。”

然而，
如果驾照逾期超过3年，就会被吊销，并需要重新通过考试才能获得驾照
。

另外，
陆交局也在其脸书专页上发文
，提醒
四种马来西亚驾驶执照
（获准延长更新或自 2021 年 1 月 13 日起到期）的持有人，需在6月30日之前更新驾照，否则将需要重考。

更新驾驶执照的方法

线下更新

你可以到以下几个地点更新你的驾驶执照。

邮政局
陆交局
城市转型中心（UTC）

到上述地点更新驾照时，
你需要出示 MyKad 和现有的驾驶执照
。若想要知道他们的营业或地址，你可以到他们的网站查看。

上网更新

如果想要节省精力和时间，上网更新驾驶执照是一个不错的选择。

以下是到
MyEg
 线上更新驾照的步骤：

点击“登录”进入
如果没有帐户，可以点击“立即注册”按钮创建一个帐户
填写所需的详细信息
点击“更新驾驶执照”按钮
填写所有必填信息并选择你的付款方式
MyEG 会将你的新驾驶执照发送到你所提供的地址

寄送费用可能因地点而异：

巴生 – RM5
马来西亚半岛 – RM6
沙巴和砂拉越 – RM10

持有有效驾照，才开车上路

请务必在驾照到期前更新你的驾照，以免逾期太久而需要重考。

同时，对于那些尚未考取驾照的人，请确保以合法的方式考取驾照，
向非法驾照说不！

另外，别忘了检查你的
汽车保险截止日期
，如果要
更新保险
和
路税
，只需到全马第一的线上更新车险平台——必佳，就能简单、轻松地更新你的车险及路税。

在必佳，你可以
一次性比较超过15家保险公司的报价
，通过比较，你将可以找到最符合你需求且价格最低的车险。

此外，你还可以选择“
先更新后付款
”，今天就到必佳了解更多！

索取报价

延伸阅读：

驾照逾期超过3年未更新 需要重考
以为不用考车可获驾照 男子被骗RM490
没有驾照，可以买汽车保险吗？
保险索赔：发生意外时，驾照过期，可以索赔吗？
向非法驾照说不！


Not Renewing Car Insurance: What Will Happen

As a car owner, it’s important to understand that valid insurance and road tax coverage are necessary for driving on public roads. Failing to renew your car insurance could result in serious consequences that you don’t want to face. Let’s explore some of the risks you may encounter by not renewing your
car insurance
 in this article.

Contents =

Is it an offence to not renew car insurance?
The consequences of not renewing car insurance
Fines and summons
Trouble renewing road tax
No-Claim Discount (NCD) is at risk of decreasing
Insurance lapse
Financial troubles
What do you need to do?

Is it an offence to not renew car insurance?

YES! You need insurance to ensure that you can renew your
road tax
 and legally use your vehicle on the road as stipulated under the Road Transport Act 1987. If you don’t have insurance, you will fail to renew your road tax as it cannot be processed.

Driving without valid insurance puts your life as a driver, your vehicle, and other road users at high risk, especially in the event of an accident.

The consequences of not renewing car insurance

Delaying or choosing not to renew your car insurance can expose both you and your vehicle to various risks, including:

Fines and summons

Yes, getting fined by the authorities is the most common consequence or risk you’ll face if you fail to get valid car insurance protection. As authorities conduct roadblocks every day, the risk of getting fined or summoned is even greater. Especially if they find that the road tax displayed on the left corner of your car’s front mirror has expired.

Trouble renewing road tax

It’s essential to remember that your road tax and auto insurance go hand in hand. Don’t forget that without valid insurance, you won’t be able to renew your road tax at the Road Transport Department (JPJ).  Plus, Section 14(4) of the Road Transportation Act (RTA) 1987 states if you’re caught driving without it, you could face a hefty fine of RM3,000! Keep in mind that you typically have to renew both your road tax and insurance simultaneously. So, it’s best to sort them out on the same day.

No-Claim Discount (NCD) is at risk of decreasing

Every NCD is only valid for a period of one year. Failing to renew your insurance on time (more than a year) will cause your car’s NCD to decrease gradually each year you don’t renew your car insurance. For example, if your car’s NCD was previously at 55%, after a year of not renewing your insurance, your NCD will decrease to 45% and will continue to decrease until you renew it.

Remember, every NCD is only valid for one year, and if you fail to renew it, your discount will decrease each year. So, if your car’s NCD was 55%, and you don’t renew your insurance for a year, it will drop to 45%.

Insurance lapse

It happens when you forget to renew your
motor insurance
 or fail to make payments on time. And when your coverage is deficient, the insurance company will not protect you for a certain period.

But before you panic, here’s some good news: insurance companies usually offer a grace period to policyholders to pay their premiums and avoid a lapse in coverage. The length of this grace period may vary depending on your provider. So be sure to double-check with them to avoid any unwanted surprises.

Remember, letting your insurance lapse is not only risky but also illegal in many places, so stay on top of your payments and make sure you’re always protected on the road.

Financial troubles

Don’t get caught with a heavy financial burden! If you fail to renew your car insurance on time, you could be putting yourself at risk for even more trouble. It might seem like skipping insurance payments could save you some cash, but that’s far from the truth.

Without insurance protection, any damages to your car caused by an accident will be entirely your responsibility. That means you’ll have to pay out of your own pocket and let’s face it, the costs can skyrocket.

What do you need to do?

Make sure your vehicle is protected by insurance as soon as possible. Don’t procrastinate renewing your car insurance as it won’t provide any benefits or advantages. Renew your insurance according to the appropriate time period to prevent incidents like those mentioned above.

Your insurance policy is your best friend in times of need. Make sure you protect your vehicle and yourself by staying up-to-date. Don’t wait until it’s too late to insure your ride!

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:

Renewing Road Tax with Summons: What You Should Kn
ow
Road Tax Renewal Period: What You Need to Know


逾期超过5年！更新路税步骤详解

虽然1987年陆路交通局法令已经指明，每辆车子和摩托都必须拥有有效的车险和路税，才能在路上行驶，但时至今日，依然有一些人胆敢在没有路税，或路税逾期的情况下继续在路上开车。

路税逾期情况下开车，不只会被罚款，如果发生意外，还可能因此没有资格获得保险索赔。

索取报价

Contents =

为什么会有人不愿意更新路税？
刚刚才意识到路税逾期超过3年了，怎么办？
1. 送到PUSPAKOM检查
2. 办理临时许可证
3. 检查日
4. 缴清所有罚单
5. 更新车险和路税

为什么会有人不愿意更新路税？

除了驾照、车险，路税也是每个车主必须持有的文件之一。如果没有有效的路税，分分钟会被有关当局罚款RM300。尽管如此，还是有些人抱着“无所谓”的态度，认为这只是一个小小的错误，不会带来太大的影响。

实际上，现在网上更新路税已经非常方便。如果在必佳平台，还可以同步更新车险和路税，并根据自己可负担的范围分期付款。但，还是有些人不按时更新路税，主要原因可能是：

– 平时很少开这辆车

– 有很多逾期未缴的罚单

– 没有注意到路税逾期

– 已经逾期超过3年，车子需要通过Puspakom检查太麻烦

刚刚才意识到路税逾期超过3年了，怎么办？

不管车子是否经常使用，都不应该在没有有效路税的情况下开车。如果路税逾期过久，超过3年或5年，是否还可以再次更新路税？答案是“当然可以”。

1. 送到PUSPAKOM检查

从2021年9月起，路税逾期没有超过3年的车辆和摩托无需接受PUSPAKOM检查，即可更新路税。但，如果您的路税已经逾期超过3年，就必须先将车子送往PUSPAKOM检查。这项检查是“强制性”的，以确保您的车子处于良好状态，且可以安全在路上行驶。

所以，记得和PUSPAKOM预约时间检查车子。为了可以顺利通关，在车子送往PUSPAKOM之前，请先确保您的车子处于良好状态。

2. 办理临时许可证

您可以到附近的陆路交通局（JPJ）申请临时通行证，只需要填写JPJ K12表格即可。为了方便，您可以在前往JPJ之前，在网站下载表格。

另外，您也需要提供车卡、身份证和驾照证明。

3. 检查日

在车子送往PUSPAKOM检查当天，记得带上车卡、身份证、驾照还有临时许可证。一般上，这检查包括刹车、信号灯检查等等。如果您的爱车顺利通过检测，当天就会收到报告证明。在收到这份报告证明后，请记得在30天内赶紧更新路税。

如果不幸没有通过检查，可以在接下来的30天内再次进行检查。

4. 缴清所有罚单

请确保您已经缴清所有罚单欠款！因为在更新路税时，若有未缴清的罚单及黑名单记录，都会在陆路交通局（JPJ）和马来西亚皇家警察（PDRM）的数据系统中显现。所以，必须缴清所有罚单，才能更新路税哦！

5. 更新车险和路税

现在您可以更新车险和路税了！通过必佳，不只是可以用更低的价格更新车险，也能同步更新路税，而且可以分期高达12个月。是不是很方便呢？所以，如果预算不足，就来必佳先更新后付款吧！

在更新车险和路税上，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


Car Insurance: What Happens When Your Insurance Agent Quits?

So, you are getting used to purchasing your car insurance policy through an agent for many years. But, your trusted insurance agent might decide to move agencies or leaves the biz. When that happens, what would happen to your insurance policy?

Do you need to move with them? Are you contractually obligated to that agency? Read on to learn what it means if your agent decides to call it quits.

Contents =

What happens to your policy if your insurance agent quits
Who will be your new agent
Why do insurance agent leaves?
Should you follow your agent to his/her new insurance company?
Save yourself a trouble, buy insurance online

What happens to your policy if your insurance agent quits

Your agent helps convey the information from the company, renew the policy plan, expedite the claims process, make appeals, etc.

But your policy’s contract is an agreement between you and the insurer, not the agent. An agent works as an intermediary between the insurer and the insured.

Hence, your insurance policies will remain intact if your agent leaves the company.

Who will be your new agent

A responsible agent will seek out their willing colleagues to take on their soon-to-be ex-clients before leaving. An agent who wishes to maintain a healthy relationship with the clients who supported them, inform their clients personally beforehand, explaining their decision to leave.

However, some may quit without informing and leave you unattended. Their clients will probably receive a letter from the insurer with regards to the departure of their agent.

Do not worry too much about what would happen to your insurance policy. You are still a customer of your insurer, hence they will take care of you. Your insurer will honour the policy as long as your premiums are accounted for.

The insurer can allot any of the orphan insurance policies to their active individual insurance agents in the event of an agent ceasing to be part of the insurer. You will receive a letter informing you that your policy is taken up by another representative from the insurance company.

Why do insurance agent leaves?

Your insurance agent may have other plans in store for them. There are mainly two reasons why agents leave.

They want to leave the industry as a whole to look for better opportunities, away from insurance.
They are moving to work with another company that gives them more benefits.

Should you follow your agent to his/her new insurance company?

Some agent who has a long way relationship with their loyal customer may use the chance to bring them into the fold. Some may tell you that the new insurance company that they are working have better offers and coverage. Of course, he would claim his insurance is better as he wants to sell.

But it would be an ‘unhealthy’ attitude trying to weaponise the networking for that purpose.

But it is up to you to decide. Do not decide to follow your agent just because you have known your agent.

Therefore, do your research before determining whether it is worth the switch. After all, you’re the one paying for it.

Save yourself a trouble, buy insurance online

We recommend you
purchase your insurance online
 and save yourself from trouble in the future.

Simply use the
biggest insurance-comparison website in Malaysia
, Bjak to purchase your insurance. You can do it easily from anywhere you like online.

We provide more than 10 insurance brands for you to choose from. You can survey and make comparisons across multiple insurers conveniently. We help you get the best policy plan for your vehicle according to your budget and needs.

Bjak is
one of Malaysia’s biggest insurance comparison sites
, offering 15 insurance brands. Get
free car insurance quotes
 at Bjak and
renew your insurance
 and
road tax
 in just 5 minutes
.

Get A Quote

Car Insurance: Buy Online vs Agent
Renew Insurance: Buy Now, Pay Later at Bjak!
How to Renew Car Insurance
Benefits of Buying Car Insurance Online


Insurance Coverage: 1st Party vs 3rd Party Insurance

As you may be aware, motor insurance is a form of coverage provided to registered vehicle owners. All drivers must renew their car insurance and road tax annually.

Before renewing your insurance, you must know the types of policies available in the market. There are three types of policies that provide different coverages: i)
comprehensive insurance
, ii)
third party, fire, and theft insurance
, and iii)
third party insurance
.

In this article, Bjak will explain the differences between comprehensive insurance (1st party) and third party insurance (3rd party).

Contents =

1st party insurance
3rd party insurance
The differences between 1st party insurance and 3rd party insurance
Get the best car insurance coverage

1st party insurance

1st party or comprehensive insurance provides extensive coverage to the insured. It covers the damage to the insured’s car due to an accident, fire or theft. The policy also covers third-party liability in vehicle damages, bodily injury, or death.

To help you better understand 1st party insurance, refer to several situations below covered by a 1st party policy:

Your car is damaged for running into a traffic pole
. You can apply for an insurance claim under the
Own Damage claim
. However, you will lose your
No Claim Discount (NCD)
.
Your car hits a wild animal while driving
. You can apply for an Own Damage claim. However, you will lose your NCD.
Your windscreen is damaged
. You can apply for an Own Damage claim  (if you do not have
additional windscreen coverage
). However, your NCD rate will return to 0% after the claim.
Your windscreen is damaged. You can make a claim without affecting your NCD. However, this only applies to policyholders who have additional windscreen coverage in their policy.
Your car catches fire accidentally
 or as a result of sabotage (your NCD remains if the fire is caused by other parties).
Your car is stolen
 (you are proven not guilty).
You run over another car. The third party can claim under your policy. You may also repair your vehicle damages under this policy. However, your NCD will return to 0%.
You car gets hit by another car.
Someone hits your car. You may claim under a
third party claim
 (there is no need to claim under your insurance). Your NCD will not be affected.

3rd party insurance

Third party insurance is the most basic car insurance policy with the minimum level of coverage. It only covers the third party, who is the claimant.

With a third party policy, you have to cover the cost of your vehicle damage (if you cause the accident). You are not entitled to claim for your vehicle damage because the insurance policy will only compensate the third party.

Check the examples below for better understanding:

You run into a traffic pole which causes damage to your vehicle. Can you claim if you own a third party insurance policy? –
NO
You run into a wild animal while driving. Can you claim under a third party policy? –
NO
Your car catches fire. Can you claim under a third party policy? –
NO
Your car is stolen. Will the insurance company compensate you if you own a third party policy? –
NO
Your car runs over another vehicle, causing severe damage. Can you claim to repair your car damage? –
NO
Your car runs into another vehicle (third party). Is the owner allowed to claim under your third party insurance? –
YES

The differences between 1st party insurance and 3rd party insurance

Let us learn the differences between 1st party and 3rd party insurance:

Coverages
1st

party

insurance
3rd party insurance
Own vehicle damage
/
X
Fire
/
X
Theft
/
X
Vehicle damages, injury or death of a third party
/
/
Towing service
/
X
(Available with a charge)
Emergency assistance such as jumpstart, tyre and battery replacement
/
X
Windscreen coverage
/
X
Additional coverage
/
Limited
(Windscreen and special perils coverage cannot be added)
Price
Higher
Lower
Purchase eligibility
Car owners with a 10-year-old vehicle purchased through bank loans are required to get this policy.
Some insurers set a maximum age limit of vehicles between 16 – 25 years for 1st party insurance.
Owners with vehicles aged 15 and over
This sign (/) means the policy provides coverage, while (X) means that the policy does not provide the coverage.

Get the best car insurance coverage

We hope you find this article helpful to give you insight regarding 1st party and 3rd party insurance.

For more information on car insurance, check out our other articles on Bjak’s blog. Watch this space as we provide tips and tricks on motor insurance and more!

Bjak is
one of Malaysia’s biggest insurance comparison sites
, offering 15 insurance brands.
Get your
free motorcycle or car insurance quotes online
 at Bjak and
renew your insurance
 in 5 minutes.

Get Quote


保险，是家庭经济的负担还是备胎？

李先生出门办事，他把车子泊在一排店屋前的停车位上。下车前，李先生心想：我只去一下就要付停车费，太不值得了，附近又没有执法人员，我快去快回，就可以省下停车费了！

于是，李先生便下车办事去了。不料，李先生办完事回来，却惊见一张新鲜热辣辣的“牛肉干”夹在车子的雨刷下。“Saman？！RM300！天啊！早知道我付停车费就好了！”李先生欲哭无泪，但已经来不及了。

你是否对这样的情况感到熟悉？可人生哪有这么多“早知道”？！

人生没有早知道

其实，买保险也是一样啊！尽管保险已经渐渐普及化，但依旧还有很多人认为，买保险根本是多余，尤其对有家室的人来说，更觉得是家庭经济的负担。

“奶粉钱都不够了，哪里还有钱买保险？”
 “我没病没痛，为什么要买保险？”
“每个月开销那么大，我一个人做工，哪里还有闲钱买保险？”
“保险的钱要等死了才可以用，我买来干嘛？”

有句话说：“买保险不是为了改变生活，而是防止生活被改变。”

保险为家庭经济的救生圈

准备家庭经济的备胎

保险，不是家庭经济的负担，而是家庭经济的备胎。人生不如意的事十之八九，突如其来的意外，不请自来的疾病，如期而来的老去……
唯有保险，才能够让人们在发生风险以后，继续他们的人生计划
。

风平浪静时，您可能觉得要支付的保费好像一座大山，压得您喘不过气。然而，当不幸发生意外躺在医院病床上，或是因为重疾失去收入时，保险却能发挥它的效用，支撑起您的家，成为您家庭里的最佳备胎。
因为保险，您的家才没有被压垮；因为保险，您才不至于一无所有
。

财富不是永远的朋友，保险才是永远的财富
。钱不是万能，但没有钱却万万不能。这是一个残酷的现实。如果一名家庭之主突然不幸离世，留下的遗孤除了失去最亲的人，还将会失去他们美好的未来，此时，逝者生前购买的保险便能保障他们继续好好地生活下去。

关爱自己，关爱您的家人，
尽早购买保险，让保险成为您家庭经济的最佳备胎
，让保险这个忠诚的朋友在您最困难的时候，有机会对您说一声：“
别担心，有我在
。”

尽早购买保险，让保险成为您家庭经济的最佳备胎


5 Perkara yang Anda Kena Tahu Jika Ingin Memandu di Jalan Raya Malaysia

Apabila mencapai usia yang selayaknya, ramai daripada kita pasti memilih untuk mempunyai kenderaan sendiri seperti kereta atau motosikal dan memandu di jalan raya.

Namun, sebelum memandu terdapat beberapa perkara penting yang anda perlu tahu dan berikan perhatian. Jom ketahuinya dengan lebih lanjut menerusi artikel ini.

Contents =

Papan tanda
Undang-undang jalan raya
Lesen Memandu
Roadtax
Insurans kenderaan

Papan tanda

Di setiap negara termasuk Malaysia, pelbagai
jenis papan tanda dengan warna dan bentuk
yang berbeza dipaparkan sebagai tanda amaran atau pemberitahuan kepada pengguna jalan raya.

Untuk pemanduan yang selamat, pastikan anda mengenali dan memahami dulu setiap maksud pada papan tanda yang ada di jalan raya. Sebelum mendapatkan lesen memandu, anda pastinya sudah mengambil ujian berkomputer dan mengetahui serba sedikit mengenai maksud papan-papan tanda jalan raya bukan? Jadi, sila fahaminya dan ingat apa yang anda perlu lakukan jika melihat papan tanda tersebut.

Undang-undang jalan raya

Setiap jalan raya di semua negara pastinya mempunyai undang-undang yang tersendiri.

Adalah penting untuk anda sebagai pemandu memahami dan mengikut setiap peraturan serta undang-undang jalan raya yang ditetapkan. Contohnya, peraturan memotong, parkir kenderaan, had laju, kesalahan menggunakan telefon bimbit ketika memandu dan lain-lain.

Jadi, sila fahamkan undang-undang jalan raya bagi mengelakkan anda daripada melakukan kesalahan ketika memandu.

Lesen Memandu

Sebelum memandu, anda perlu memastikan bahawa diri anda mempunyai lesen kenderaan dengan kelas yang betul. Contohnya, lesen memandu kelas D membolehkan anda untuk memandu kereta.

Anda dilarang sama sekali untuk memandu kenderaan jika tidak mempunyai lesen yang sah. Jika ada dalam kalangan anda yang belum ada lesen memandu dan berhasrat untuk mendapatkannya, sila dapatkannya segera menerusi saluran yang betul.
Jangan terpedaya dengan sindiket lesen terbang
. Lesen terbang adalah tidak sah disisi undang-undang dan anda boleh berdepan tindakan oleh pihak berkuasa jika didapati memilikinya.

Dapatkan lesen yang sah mengikut langkah-langkah sepatutnya. Baca
artikel
 yang pernah dikongsikan kami sebelum ini untuk mengetahuinya. Dalam pada itu, jika anda sudah mempunyai lesen memandu, pastikan tarikhnya tidak tamat dan sentiasa aktif ya!
Renew lesen
anda setiap tahun bagi mengelakkan dari didenda.

Roadtax

Untuk membolehkan anda memandu dan menggunakan jalan raya secara sah di Malaysia, anda perlu memastikan kenderaan anda mempunyai roadtax atau cukai jalan yang masih aktif. Setiap jenis kenderaan perlu ada roadtax yang sah dan ia perlu diperbaharui setiap tahun. Ia peraturan yang ditetapkan oleh
Jabatan Pengangkutan Jalan (JPJ)
di bawah Akta Pengangkutan 1987.

Jika didapati memandu tanpa roadtax yang sah, anda akan berdepan saman sebanyak RM150 oleh pihak berkuasa.
Harga roadtax
 adalah sama setiap tahun selagi anda tidak menukar kereta. Jadi, jika sudah ada kenderaan sendiri, pastikan anda renew roadtax anda ya!

Insurans kenderaan

Insurans kenderaan adalah berbeza dengan roadtax. Jadi jangan salah faham. Anda perlu memiliki insurans kenderaan bagi membolehkan anda memperbaharui roadtax setiap tahun. Tanpa insurans yang sah, anda tidak akan dapat meneruskan proses pembaharuan roadtax.

Kenapa perlu ada insurans?

Jawapannya mudah. Ia bagi melindungi kenderaan anda dan juga anda sebagai pemilik kenderaan khususnya daripada tuntutan pihak ketiga akibat kejadian seperti kemalangan.

Tidak seperti roadtax, harga insurans berbeza adalah berbeza setiap tahun. Anda boleh memilih pelan insurans daripada syarikat insurans yang anda inginkan mengikut keperluan dan bajet anda. Kini tiada alasan untuk anda tidak renew insurans anda. Anda boleh melakukannya secara online sahaja, seperti di Bjak. Melalui Bjak, anda boleh
membandingkan dengan lebih 10 jenama
 dan pilih ikut bajet anda.

Minta Sebut Harga

Baca juga:

Beza Roadtax dan Insurans Kereta
5 Ciri Pemandu yang Baik di Atas Jalan Raya
Cara Renew Lesen Memandu
Maksud Papan Tanda Jalan Raya di Malaysia
Kenali Maksud Warna 5 Papan Tanda Ini Di Jalan Raya


Car Insurance Fraud: How To Prevent Yourself From Being A Victim

Having car insurance in Malaysia is extremely important, and it can save you a significant amount of money and time in the long term. While the concept is beneficial, there is a downside to the industry where some individuals exploit the insurance system.

Car insurance
 is not exempt from this. Authorities are constantly working to combat car insurance fraud, but it’s essential to stay informed about car insurance fraud! Read on to find out how you can prevent yourself from falling victim to this scam!

Contents =

Staged Accident
How can you prevent this?
Tow Truck Scam
How can you prevent this?
Fake Insurance Agent
How can you prevent this?

Staged Accident

You may have come across these situations on social media or even witnessed them while driving: cars or motorcycles suddenly hitting the brakes or slowing down dramatically at exits or in the fast lane, hoping to surprise other drivers.

These culprits rely on a common belief in road accidents: the vehicle that rear-ends another vehicle is typically considered at fault. Once a collision occurs, these individuals become aggressive and insist that the innocent driver immediately pays them, leaving little room for discussion. It’s a deliberately hostile tactic designed to pressure the victim into quickly giving in to their demands for a swift resolution.

How can you prevent this?

To start, it’s important to develop good habits on the road. Make sure to maintain a safe distance from the car ahead of you at all times. While the three-second rule is helpful, it’s crucial to adapt based on road conditions and your vehicle’s capabilities, as they can affect the distance needed to stop.

Also, always keep your cool. I understand it’s challenging during traffic accidents, but do your best to ignore the pressure. Remember, this is how they operate. You know their intentions, so don’t give in. Involve the authorities right away, as that will likely scare them off. And most importantly, if you can safely do so, try your best to note down their personal information and car plate details.

Consider getting a dashcam as well. If you find yourself unable to stop in time, having video evidence will prove that it was a deliberate scheme. Moreover, just having a dashcam can discourage criminals from targeting your vehicle.

Tow Truck Scam

The tow truck scam operates by preying on people’s emotions during road incidents. These deceitful individuals hide the tow trucks out of sight, patiently waiting for unsuspecting drivers to enter areas they’ve previously scattered with dangerous debris like oil or nails.

Once the drivers unknowingly run over these road hazards and damage their tires, these scam artists swoop in to “rescue” the affected vehicles and tow them away to specific workshops.

Here’s the tricky part: they will then charge outrageous fees for the towing service, and the workshops they take you to, which are likely part of the scam, will probably do the same thing.

How can you prevent this?

Once more, let’s emphasize the importance of staying calm in these situations. In Malaysia, having car insurance is a must, and the good news is that many reputable insurance companies not only provide coverage but also offer towing services and a reliable roster of authorized repair shops.

Remember, it’s crucial to avoid allowing dubious or unknown tow trucks to tow your vehicle without your consent. Always make sure the truck is genuinely dispatched by your insurance provider.

Fake Insurance Agent

A prevalent form of
auto insurance
 fraud involves cunning imposters posing as insurance agents. These crafty individuals employ various tactics to deceive and exploit unsuspecting victims. Armed with counterfeit badges, forged papers, and tempting low prices, they lure you into their trap.

You unwittingly sign up and pay for non-existent premiums, only to discover later that you’ve been scammed. In some cases, they might even cancel your legitimate insurance policy without your consent before vanishing without a trace.

How can you prevent this?

Don’t underestimate a billion-ringgit scam that occurs every year; it’s a serious matter. Make sure you’re thorough in your investigations! It’s crucial for you to personally verify the credibility of any agent or company you plan to engage with. We know cost matters, but if an offer seems too good to be true, it probably is!

Navigating the world of car insurance in Malaysia requires vigilance and awareness. While having car insurance provides peace of mind and protection, it’s important to be aware of the darker side of the industry – insurance fraud. Remember, a little extra diligence can save you from falling victim to scams that occur far too often. Stay informed and protect yourself from car insurance fraud.

Bjak is one of Malaysia’s biggest insurance comparison sites, with more than 10 insurance brands to choose from. Get your
free insurance quote
 at Bjak today!

Get A Quote

Read more

No-Claim Discount (NCD): Drive Safely and Save More
Accident With An Uninsured Vehicle? Learn What To Do
Car Insurance Premium: The Affect of Car Accident on It


省省省！这样做可帮助您更新车险时省更多！

每年更新车险都是大破费，想到就怕！

实际上，还是有方法可以帮助您省下一些车险保费，所以本文将会和大家分享更新车险的8大省钱方法，希望可以帮助到大家有效减轻财务负担。

索取报价

Contents =

增加无索偿折扣率（NCD）
选择适合的保险类型
选择需要的附加保险
不要改装汽车
不要过度投保
购买经济实惠的汽车
定期维修和保养车子
更新车险前先比较

增加无索偿折扣率（NCD）

这是保险公司给没有发生意外、没有索赔车主提供的奖励。只要在1年里没有提出索赔，就可以逐年累积折扣率，最高可达55%。所以，记得安全驾驶很重要，不只可以预防意外发生，更重要的是在更新车险时，也能更省钱。

选择适合的保险类型

汽车保险共有三中类型，即

– 综合型保险

– 第三方、火灾和盗窃保险

– 第三方保险

身为一名新手司机，建议选择购买综合型保险，因为它提供最全面的保障。但，如果您开的是旧车，或是不经常开车上路，那就可以考虑第三方、火灾和盗窃保险，又或是最基本的第三方保险即可。在做出选择之前，一定要先考虑驾驶习惯和车龄等等因素。

选择需要的附加保险

不要浪费钱在不必要的附加保险！只需要考虑有需要的附加保险，例如：您开车的路上有很多碎石，那么额外购买车大镜的保障是明智的。记得，一切要从实际层面出发，购买需要的保险就好。

不要改装汽车

改装车子或许可以让爱车变得更炫、更酷，但这样只会增加被盗风险，还可能导致保费更贵！而且，若是改装没有符合陆路交通局（JPJ）的规则，也没有事先通知保险公司，可能会面临保险索赔被拒。

不要过度投保

根据汽车的市场价值或约定价值来为您的爱车选择合适的保额，千万不要过度投保，同时也不要为了节省保费而投保不足，以避免发生交通意外时，需要自掏腰包。更多详情，可浏览：
《市场价值还是约定价值？更新车险时怎么选》

购买经济实惠的汽车

从长远来看，购买经济实惠的车子可以为您节省一大笔开支。要知道，名贵豪华的车子所需的维修费用更贵，所以保费往往也比较高。所以，买车前先调查，选择一辆不会让您破费的车子吧。

定期维修和保养车子

定期维修和保养车子，可以确保汽车的性能和零件处于最佳状态，也能减少汽车在驾驶途中发生故障，减低发生意外的风险。

更新车险前先比较

先比较，后更新，可以帮助节省更多！因为各家保险公司提供的配套和保费都不同，所以更新前先比较，就有机会选择便宜又符合自己需求的车险。

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


提出索赔时，应避免以下4个常见错误！

相信车主们都知道汽车保险的重要性，但关于索赔的过程却不一定了解。因为有太多的案例显示，车主抱怨他们索赔被拒，或获得的赔偿不足。实际上，会发生这样的事情，往往都是因为不了解实际的索赔程序，或是在提交索赔的过程中有失误。

所以，希望通过本文的分享，可以让您避免在索赔时出错。

索取报价

Contents =

错误1：迟报案
错误2：提出索赔时间过长
错误3：文件不齐全
错误4：意外发生后逃离现场

错误1：迟报案

发生意外后，不要先花时间去联系保险公司，相反的，您必须在意外发生后的24小时内到警局报案。就算事故发生在周末，也不要等到下一个工作日才报警。要知道，
只要你没有在24小时内报案，保险公司就有理由拒绝您的索赔。

除非您有官方医疗信函证明，您因为意外后住院，或必须接受治疗，才可以推迟报案手续。

有时候，事故发生后，另一方会试图要求您私下解决，不要报警。实际上，您不应该同意这样的做法，因为发生意外后没有报警是违犯的。

错误2：提出索赔时间过长

和报警一样，不管意外造成的损坏是轻微或严重，您地必须先告知保险公司。
一般上，您可以在意外发生后的1周内（相当于7天）提交索赔。
记得，没有及时提交索赔申请，只会增加索赔被拒的风险。

如果没有通知保险公司会怎样？您就必须自己承担车子的维修费用。如果他人提出第三方索赔，但您的保险公司迟迟没有收到您的通知，那么您就必须自行承担他人的损失了。

错误3：文件不齐全

如果您在提出索赔时，没有提交所有必要的证明文件，索赔自然会被拒绝。如果您希望保险公司做出对您有利的索赔，自然就需要有足够的文件证明自己是无辜的。

需要提交些什么证据？最重要的是，拍下事故现场的照片、车子损坏的情况，以及涉案车子的车牌。此外，您也需要以下文件：

– 填写完整的索赔表格

– 报案纸原件

– 身份证和驾照副本

–
车辆所有权证书副本

– 警方调查报告（告知哪一方需承担意外责任）

what to do after a car accident

错误4：意外发生后逃离现场

发生意外时，惊慌失措是正常的，但千万不要以此为借口逃离现场。注意，
您必须拍下现场的照片，作为提出索赔的证据，而不是逃离事故现场。

如果有必要，您可以向现场附近的目击者了解事实或向他们要求陈述，这反过来有助于帮助您索赔成功。

所以，不要忘了检查汽车保险、路税和驾照的截止日期。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


5 Ciri Pemandu yang Baik di Atas Jalan Raya

Memandu di jalan raya sememangnya agak memenatkan lebih-lebih lagi jika berdepan dengan situasi yang mendukacitakan. Pelbagai kerenah pengguna jalan raya terpaksa ditelan sehingga kadang-kala memberi tekanan kepada emosi dan secara tidak langsung memberi kesan kepada pemanduan kita.

Meskipun sudah memandu dengan baik, namun hari kita mungkin akan menjadi ‘malang’ dan menyedihkan apabila perlu berdepan dengan pemandu lain yang tidak bertanggungjawab.

Justeru untuk artikel kali ini, Bjak akan kongsikan kepada anda 5 ciri untuk menjadi seorang pemandu yang baik supaya anda tidak menyusahkan pengguna jalan raya lain.

Contents =

Ciri pemandu yang baik
Beri signal ketika ingin menukar lorong
Memandu ikut kelajuan yang ditetapkan
Tidak memotong
Tidak buka lampu tinggi ketika cuaca gelap
Mempunyai roadtax dan insurans yang sah
Ikut peraturan jalan raya, jadi pemandu bertanggungjawab

Ciri pemandu yang baik

Beri signal ketika ingin menukar lorong

Nampak remeh dan mudah sahaja, namun masih ramai pemandu yang dilihat tidak gemar menggunakan
 lampu signal
ketika ingin menukar lorong atau membelok. Situasi seperti ini banyak dirakam dan dikongsikan di laman media sosial. Kegagalan memberi lampu signal ketika menukar lorong atau membelok boleh menyebabkan kenderaan lain khususnya motosikal terlibat dalam kemalangan.

Sebagai contoh dalam kejadian pada Ogos tahun lalu, seorang penunggang motosikal terbabas sebelum melanggar sebuah kereta apabila pemandu van
gagal memberikan lampu signal ketika ingin membelok
. Kejadian yang tular di media sosial itu mengundang kemarahan orang ramai atas sikap pemandu van terbabit.

Jadi untuk memastikan anda tidak menyusahkan pengguna jalan raya lain dan menjadi seorang pemandu yang berhemah, sila pastikan lampu signal kereta anda dinyalakan sebelum ingin menukar lorong atau membelok.

Memandu ikut kelajuan yang ditetapkan

Jangan hanya kerana ingin cepat sampai ke destinasi, anda sampai melupakan peraturan jalan raya. Sila pastikan kenderaan anda dipandu mengikut had kelajuan yang ditetapkan. Sebagai contoh, jika berada di kawasan sekolah, sila pastikan anda tidak memandu lebih daripada
 30km/j
. Ini bagi mengelakkan kejadian tidak diingini daripada berlaku seperti contoh kemalangan.

Biar lambat, asalkan ia tidak membahayakan nyawa anda, penumpang dan pengguna jalan raya lain. Ketahuilah bahawa sudah terlalu banyak kes kemalangan maut berlaku akibat sikap mementingkan diri di mana pemandu membawa kenderaan melebihi had laju.

Tidak memotong

Bagi memastikan anda memiliki ciri pemandu yang baik di atas jalan raya, sila pastikan anda tidak memotong di kawasan yang dilarang. Jika anda didapati memotong barisan, anda bukan sahaja boleh
disaman sebanyak RM300
, malah turut berisiko menyebabkan kemalangan dengan kenderaan lain.

Sebagai pemandu, anda juga mesti sudah tahu bahawa tindakan memotong di garisan berkembar atau ‘
double line
’ merupakan suatu kesalahan. Contoh kawasan yang mempunyai garisan berkembar adalah seperti jalan selekoh, jalan curam, jalan sempit, jalan yang mempunyai terowong, kawasan persimpangan serta kawasan sekolah.

Jadi, sila pastikan anda faham dan ikut peraturan agar tidak menyusahkan pengguna jalan raya yang lain.

Tidak buka lampu tinggi ketika cuaca gelap

Prihatinlah terhadap keselesaan pemandu lain. Anda sama sekali tidak digalakkan malah dilarang untuk membuka lampu
high

beam
 ketika memandu dalam cuaca gelap (kecuali jika tiada kenderaan lain langsung).

Jika anda menyalakan lampu tinggi ini, ia boleh membuatkan penglihatan pemandu lain di arah bertentangan atau di hadapan anda menjadi silau. Risikonya, ia mungkin boleh mendorong kepada berlakunya kemalangan.

Jangan bersikap mementingkan diri sendiri ya. Hanya nyalakan lampu ini jika tiada kenderaan lain di jalan itu.

Mempunyai roadtax dan insurans yang sah

Untuk memiliki ciri pemandu yang baik di atas jalan raya, sila pastikan kenderaan yang dipandu oleh anda mempunyai roadtax dan perlindungan insurans yang sah.

Ia bukan sahaja bagi mengelakkan anda daripada dikenakan saman oleh pihak berkuasa, malah ia juga bagi memastikan kenderaan anda dilindungi insurans sekiranya berlaku sesuatu seperti kemalangan.

Sehingga kini, masih ramai pemilik kenderaan yang mengambil ringan akan perkara ini walaupun sudah diketahui ia diwajibkan. Jangan hanya kononnya ingin berjimat, pada akhirnya anda terpaksa menanggung kerugian. Anda bukan sahaja disaman, bahkan terpaksa menanggung kerugian bagi membaiki kerosakan pada kereta akibat kemalangan menggunakan wang sendiri.

Ikut peraturan jalan raya, jadi pemandu bertanggungjawab

Sebenarnya, setiap daripada kita boleh menjadi seorang pemandu yang baik, berhemah dan bertanggungjawab. Caranya adalah dengan mengikuti setiap peraturan jalan raya yang telah ditetapkan.

Buang sikap mementingkan diri sendiri ketika memandu. Ia sangat penting bagi menjamin keselamatan anda sebagai pemandu dan pengguna jalan raya lain. Kemalangan jalan raya juga mungkin boleh dielakkan sekiranya ciri-ciri di atas diikuti oleh anda ketika memandu.
Ingat, pandu selamat nyawa anda selamat!

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.

Minta Sebut Harga

Baca juga:

7 Kesalahan Utama Penyebab Kemalangan Jalan Raya
Tips Keselamatan Memandu Ketika Hujan Lebat
Kadar Kemalangan Pemandu Lelaki 2.4 Kali Lebih Tinggi Dari Wanita


Car Sum Insured: Market Value vs Agreed Value

When you renew your
car insurance
, you will have to decide on the sum insured for your car. So how do you determine the sum insured? Do you choose the market value or the agreed value? Let’s find out in this article.

Contents =

What is “sum insured”?
What does “market value” mean?
What does “agreed value” mean?
Market Value vs Agreed Value
Premium
Risk of over-insurance/under-insurance
Is the agreed value or market value better?
When is choosing the agreed value better for you?
When is choosing the market value better for you?
Can you insure your car below the market value?
Get professional advice before renewing your car insurance

What is “sum insured”?

Before we go into the details, let’s first understand the meaning of “sum insured.”

The
sum insured
for a car refers to
the maximum amount for which your car is insured
. According to the General Insurance Association of Malaysia or Persatuan Insurans Am Malaysia (PIAM), the basis for assessing the true worth of a car is its market value at the time of a loss. Further, the sum insured should not be below the market value. If the sum insured is below the market value, then the policyholder will have to bear the difference.

When deciding on the sum insured for your car, you may choose either the market value or the agreed value.

What does “market value” mean?

Market value refers to the current calculated worth of your car.
 If you choose the market value, your car is covered for what it is
currently
 worth in the market. Say that you choose the market value as the sum insured for your car,
your insurer will give you a payout according to the market value of your car at the time of theft or loss
 (not the market value at the time of your insurance renewal). Refer to our example below.

Example: You have chosen the market value of your car as the sum insured. At the time of insurance renewal, your car was valued at RM100,000. 11 months after the insurance renewal, your car met with an accident and was completely wrecked. Instead of getting RM100,000, you only received RM85,000 in compensation as your car market value has depreciated by 15% at the time of loss.

What does “agreed value” mean?

Agreed value

is the value agreed upon by both the insurer and policyholder at the time of insurance renewal.
Insurers determine the agreed value based on a few underwriting factors and risk assessment. Say that you choose the agreed value as the sum insured for your car,
your insurer will give you a payout exactly as the agreed value.
  Below is an example.

Example: You have chosen the agreed value of RM100,000 as the sum insured for your car. 11 months after the insurance renewal, your car met with an accident and became a total wreck. You received the full amount of the agreed value, RM100,000, even though your car’s market value has depreciated by 15% at the time of loss.

Market Value vs Agreed Value

Premium

Many users may consider that the insurance premium following the agreed value is fairer. Many would think that they should get compensation as per the sum insured for their car, not the market value of their car at the time of theft or loss.

However, you actually have to
pay a lower premium if you choose the market value than the agreed value as your car sum insured.
Despite being able to pay a lower premium, here’s the risk: car market value depreciates around 10-15% annually. So as mentioned earlier, you can expect a lower payout or compensation at the time of theft or loss due to the value depreciation.

On the other hand, if you choose the agreed value as your car sum insured, the premium you have to pay may be higher. But the upside is the compensation following a loss or theft is not affected by the market value, so you’ll get the full amount as your insurer and you have agreed at the time of insurance renewal.

Risk of
over-insurance/under-insurance

The biggest risks of following the market value are over-insurance and under-insurance.

Say that the sum insured of your car is above the market value (over-insurance), the compensation you will get will still follow the market value at the time of theft or loss. Meanwhile, if the sum insured is below the market value (under-insurance), the compensation you will get will be lower than the market value.

Before you agree to any sum insured, ensure that you check your car’s market value.

Is the agreed value or market value better?

Understand first the risks of choosing either the agreed value or market value before deciding on your car sum insured.  Let’s help you understand the risks.

When is choosing the agreed value better for you?

Say that you have just bought a brand new car, with a bank loan. Choosing the agreed value may be a better option. Why? Say that your car is stolen or wrecked by an accident, you will get the amount as agreed earlier when you buy or renew your
auto insurance
. You can use the payout to pay the car loan or even buy a replacement car.

Note that not all insurers offer the option of setting the car sum insured following an agreed value. Do check with your preferred insurers whether they offer this option.

When is choosing the market value better for you?

On the other hand, if your car is rather old (say, more than 15 years old) and debt-free, you may consider choosing the market value. The compensation you can get will be lower, but the premium you will have to pay is lower than choosing the agreed value as the sum insured.

Can you insure your car below the market value?

You are not encouraged to set the sum insured below the market value. In fact, some insurers do not allow their policyholders to under-insure their cars.

For example, the market value of your car is RM20,000. However, in order to get a lower premium, you choose to insure your car for only RM15,000, which is below the market value. Some insurers may not allow this. Even if some do allow this, the compensation you will get at the time of theft or accident will also be lower than the market value.

Get professional advice before renewing your car insurance

Having read the above, we strongly encourage you to understand first the risks and benefits of choosing either the agreed value or market value as the sum insured for your car. This is to ensure that the coverage you will get is sufficient.

Would you like to get some advice before renewing your
vehicle insurance
? We are happy to help. Just reach out to Bjak to get exclusive customer assistance from insurance experts, anytime you need.

Bjak is one of Malaysia’s biggest insurance comparison sites, with more than 10 insurance brands to choose from. Get your free insurance quote at Bjak today!

Get A 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


Kereta Rosak Sebab Banjir atau Dihempap Pokok – Layak ke Claim Insurans?

Sejak kebelakangan ini, beberapa kejadian bencana alam dilihat sering berlaku susulan daripada cuaca hujan lebat yang melanda.

Sebagai contoh beberapa hari lalu, banjir kilat setinggi antara 0.3 meter hingga 1.5 meter melanda beberapa kawasan di Ampang iaitu Taman Hillview, Kampung Lembah Jaya Utara dan Lembah Jaya Selatan.

Akibatnya, sebanyak tiga pusat pemindahan sementara (PPS) telah dibuka bagi menempatkan mangsa-mangsa yang terjejas.

Selain bencana banjir kilat yang berlaku di Ampang, di Cameron Highlands pula berlaku 11 kejadian tanah runtuh dan pokok tumbang pada Isnin, 22 November 2021 yang lalu.

Ia berlaku pada kira-kira jam 2 petang ekoran daripada hujan lebat yang berlarutan hampir dua jam.

Akhirnya, seorang mangsa cedera selepas kereta yang dinaikinya dihempap oleh pokok tumbang.

Contents =

Boleh ke tuntut insurans?
Perlindungan peril khas boleh selamatkan anda
Berapakah premium yang perlu dibayar?
Berbaloikah ambil perlindungan peril khas?
Dapatkan perlindungan insurans

Boleh ke tuntut insurans?

Kejadian-kejadian bencana alam seperti di atas sememangnya berlaku tanpa sebarang amaran sehingga boleh memusnahkan harta benda dalam sekelip mata. Ia termasuklah kenderaan seperti kereta yang sememangnya sangat bernilai untuk sesiapa sahaja.

Untuk anda yang sudah sekian lama memiliki kereta, anda pasti tahu bahawa perlindungan
insurans kereta
 asas yang diperbaharui setiap tahun tidak menawarkan perlindungan jika kereta rosak atau hanyut akibat sebarang kejadian bencana alam.

Perlindungan peril khas boleh selamatkan anda

Anda hanya boleh membuat tuntutan insurans untuk pembaikan kereta akibat banjir atau bencana alam lain sekiranya anda ada atau telah membeli perlindungan tambahan peril khas (bencana alam) di dalam
polisi insurans kereta 1st party
 anda.

Bagaimanapun, tuntutan anda itu perlu dibuat di bawah tuntutan kerosakan sendiri
(own damage)
 yang mana ia akan memberi kesan kepada kadar
NCD insurans kereta
semasa anda. NCD anda akan kembali ke angka sifar dan insurans akan menjadi mahal pada tahun berikutnya.

Berapakah premium yang perlu dibayar?

Jangan risau kerana ianya tidaklah semahal berbanding jika anda perlu membaiki kerosakan pada kenderaan menggunakan wang anda sendiri.

Pada kebiasaannya, premium bagi perlindungan ini hanyalah 0.5% daripada jumlah yang diinsuranskan sahaja.

*Kadar premium ini bagaimanapun berbeza mengikut syarikat insurans.

Berbaloikah ambil perlindungan peril khas?

Tiada siapa dapat mengagak apa yang akan berlaku pada masa akan datang. Kejadian bencana alam seperti di Ampang dan Cameron Highlands yang berlaku pada baru-baru ini menunjukkan bahawa sesiapa sahaja terdedah dengan risiko-risiko ini.

Perlindungan peril khas hanya perlu dibeli setiap kali anda memperbaharui insurans. Jika difikirkan semula, kosnya tidaklah begitu mahal berbanding jika anda perlu mengeluarkan wang anda sendiri untuk pembaikan kereta.

Sebaiknya anda persiapkanlah sahaja diri dan kenderaan anda dengan perlindungan tambahan peril khas ini. Ia berbaloi dan anda mungkin memerlukannya suatu hari nanti. Jangan anggap bahawa kejadian seperti ini tidak akan berlaku pada anda ya.

Dapatkan perlindungan insurans

Perlindungan insurans adalah amat penting dan mampu membantu anda ketika keadaan mendesak kelak. Seeloknya, dapatkan perlindungan insurans komprehensif (jika layak) dan
add-on
perlindungan tambahan seperti perlindungan peril khas untuk melindungi kereta anda.

Untuk perbaharui insurans kini tidaklah susah. Anda boleh sahaja
 renew
 secara
online
di Bjak yang menawarkan harga terendah. Selain itu, 15 syarikat insurans disediakan untuk anda pilih dan bandingkan dalam satu masa yang sama. Pastinya lebih pantas dan menyenangkan. Layari Bjak hari ini untuk dapatkan dulu sebut harga secara percuma.

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:

Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?
5 Perkara Yang Perlu Anda Tahu Sebelum Membuat Tuntutan Insurans
Kesilapan Yang Perlu Dielakkan Semasa Memfailkan Tuntutan Insurans Kemalangan Kereta


MSIG Car Insurance: Add-On Coverage For Cars

More often than not,
car insurance
 companies only provide a limited number of add-on coverage that policyholders can purchase. But some brands, like MSIG, offer various add-ons to fit the needs of car owners better, as people have different needs.

MSIG car insurance
 is quite popular in Malaysia because it offers a ton of add-on coverage for private car owners. This ranges from the usual special perils and windscreen coverage to tailor-made add-ons like Smart Key Shield and E-Hail E-Zee exclusive to MSIG. In this article, we will look at the add-on coverage provided by MSIG to its comprehensive policyholders.

Contents =

Accident Repair Allowance (ARA)
Driver’s Accident
Special Perils
Waiver of Compulsory Excess
24-Hour Unlimited Towing Service
E-Hail E-Zee
Smart Key Shield
Waiver of Betterment Cost
Compensation for Assessed Repair Time (CART)
Windscreen
Strike, Riot and Civil Commotion
EZ-Mile
Current Year “NCD” Relief
Legal Liability of Passengers
Inconvenience Relief Allowance
Loss or Damage to Personal Belongings
Transportation Allowance
MSIG car insurance add-ons

Accident Repair Allowance (ARA)

One-time allowance for loss of use when the vehicle is laid up in the motor workshop for repairs (excluding windscreen damage, theft, and total loss).

Limited to one claim in each period of insurance

Driver’s Accident

Coverage for drivers and passengers against death or permanent disability due to road accidents.

Up to RM35,000 in the event of accidental death and/or permanent disablement*
Medical Expenses Ambulance Fees
Hospital Income Facial/Dental Cosmetic Surgery

*The Insured will also receive Double Indemnity for accidents during nationwide Malaysian public holidays.

Special Perils

Complete coverage for loss or damage due to floods, typhoons, hurricanes, storms, tempests, volcanic eruptions, earthquakes, landslides, landslips, subsidence, or sinking of the soil/earth or other convulsions of nature.

Limited Special Perils (Non-Tariff) are also available (Limited to 25% of the Total Sum Insured).

Waiver of Compulsory Excess

Waiver of compulsory excess of RM400 if policyholder or drivers are:

Under 21 years old
Holds a Provisional (P) or Learner (L) driver’s licence
Is not named in the Policy Schedule as a named driver

24-Hour Unlimited Towing Service

Unlimited towing service that benefits those who travel on the road frequently, both short and long distances.

➢ No Limit:

Anywhere in Malaysia, including these islands only: Penang, Langkawi, Labuan, Pangkor and Redang
Singapore

➢ 130KM Round Trip

Thailand
Brunei

E-Hail E-Zee

Protects car, driver and passenger when in e-hailing mode:

Personal accident cover for driver
Damage to your car, third-party property and third-party bodily injury
Legal liability to passengers
Legal liability of passengers

Smart Key Shield

Covers the cost to repair, replace and/or reprogramme your Smart Car Key in case of theft, loss, or accidental damage.

Limited to one (1) Smart Car Key per car
No-Claim-Discount (NCD) entitlement will not be affected

Waiver of Betterment Cost

Betterment charges are waived from the original spare parts’ cost for vehicles.

Limited to private cars aged 5 to 15 years

Compensation for Assessed Repair Time (CART)

Covers the cost of alternative transportation after an accident based on the estimated repair time by the loss adjuster.

Available plans:

7, 14, or 21 days
RM50, RM100, or RM200 per day
Payable for partial loss (excluding windscreen damage, theft and total loss)
No-Claim-Discount (NCD) entitlement will not be affected

Windscreen

Covers glass breakage in windscreens, windows, sunroofs and lamination or tinting film—windscreen replacement without affecting the NCD.

Strike, Riot and Civil Commotion

Protect the car against loss or damage due to strikes, riots and civil commotion.

EZ-Mile

A choice of plans with different mileage that lets motorists pay as they drive and save on premiums to suit annual car usage.

Current Year “NCD” Relief

Protects No-Claim-Discount (NCD) that may forfeit for claims under your policy.

Legal Liability of Passengers

Protects car owners and passengers against legal liability sought by a third party due to their negligence.

Inconvenience Relief Allowance

One-time lump sum payment for total loss, car theft, or damage due to flood.

Loss or Damage to Personal Belongings

One-time compensation for loss or damage to driver’s items due to snatch theft or car accident.

Transportation Allowance

Allowance to cover transportation expenses after an accident and when the vehicle is sent for repair.

MSIG car insurance add-ons

Owning a car policy can be expensive, especially when you need to consider a ton of different add-on options for different purposes. MSIG is one of the best car insurance brands in the country, but owning a policy with lots of add-ons can be a cause for concern.

To get the best value from your purchase, we highly recommend renewing your
car policy
 on Bjak, Malaysia’s No.1 insurance portal. Get free quotes and compare policies from 18 different brands, including MSIG, at your fingertips. Click the button below to learn more on our website.

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


Kurnia Car Insurance: Comprehensive Plans For Cars

Many of us recognise Kurnia as a well-known insurance provider in our country since it has been around since 1978. To date, the company offers various insurance products to cater to the different needs of Malaysians for decades.

Kurnia car insurance
 is a popular choice for auto insurance because it offers
comprehensive coverage
 to protect vehicles and their owners from potential risks and financial losses.

We will explain the insurance plans available for car owners by Kurnia in a third-part series. In this article, we will look at the comprehensive policies for private vehicles and reasons to choose Kurnia as your insurance provider.

Contents =

Kurnia Car Insurance plans
Private Car Comprehensive
auto365 Comprehensive Plus
auto365 Comprehensive Premier
Why choose Kurnia?
Get Kurnia auto insurance

Kurnia Car Insurance plans

Kurnia offers three comprehensive plans with different coverage options for private cars. They are Private Car Comprehensive, auto365 Comprehensive Plus and auto365 Comprehensive Premier.

All three plans cover own damage claim, third party property damage claim and third party bodily injury claim. The components of each plan are stated below.

Private Car Comprehensive

This is a basic plan that provides essential protection for cars. The plan comes with the following benefits:

24/7 towing assistance for breakdown (free up to 50km for West Malaysia / 30km for East Malaysia)
24/7 towing assistance for accidents (up to RM200*)
24/7 emergency roadside assistance
Naming additional drivers (free for the second driver)
Three years warranty for workmanship

auto365 Comprehensive Plus

Auto365 Plus offers the best value for money with extra protection for cars. This plan has four additional coverage compared to the Private Car Comprehensive plan.

24/7 towing assistance for breakdown (free up to 100km for West Malaysia / 60km for East Malaysia)
24/7 towing assistance for accidents (up to RM200*)
24/7 emergency roadside assistance
Naming additional drivers (free for all authorised drivers)
Three years warranty for workmanship
Ambulance fees (up to RM500*)
Window snatch theft (up to RM500*)
Key care cover (up to RM500*)
Flood relief allowance (RM1,500*)

auto365 Comprehensive Premier

Auto365 Premier is the third type of comprehensive
car insurance
 by Kunia. It has the broadest coverage among all other plans.

24/7 towing assistance for breakdown (free up to 365km*)
24/7 towing assistance for accidents (up to 365km*)
24/7 emergency roadside assistance
Naming additional drivers (free for all authorised drivers)
Three years warranty for workmanship
Ambulance fees (up to RM1,000*)
Window snatch theft (up to RM1,000*)
Key care cover (up to RM1,000*)
Flood relief allowance (RM3,000*)
Compassionate Allowance for Loss of Vehicle (CALV) (up to RM5,000*)

Why choose Kurnia?

Trusted since 1978

Kurnia is one of the largest motor insurers in Malaysia. On average, it protects one in seven cars in the country. Currently, it serves over four million general insurance policies nationwide.

Wide support network

The brand has a network of 30+ branches, 6,000+ agents, 300+ panel workshops nationwide, and various online channels to attend to customers.

24-hour assistance

Kurnia Auto Assist is available 24 hours to assist policyholders for claims, inquiries and emergencies.

Workmanship warranty

Comprehensive policyholders get a 3-year warranty for workmanship on repairs done by approved panel workshops.

Long-distance free towing

Kurnia’s customers get free towing of up to 365km in case of breakdowns or accidents.

Policy personalisation

Customise your policy with road tax and other essential extensions like windscreen cover easily.

Get Kurnia auto insurance

Kurnia has extensive coverage options for private vehicle owners. To know more about Kurnia’s auto insurance plans, visit their official website for the terms and conditions.

If you want to own one of the policies stated above, visit Bjak.my to compare prices for free. Our platform offers all the above benefits plus huge savings on your vehicle insurance.

Renewals can be made in 5 minutes, and your policy will be activated on the same day. Click the button below for more details.

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:

MSIG Car Insurance: Top 3 Plans For Private Cars
Etiqa Comprehensive Coverage For Private Cars
Motorcycle Insurance: Top 5 Brands To Consider In 2023