7 Fakta Mengenai Insurans Perjalanan Yang Mungkin Anda Perlu Tahu

Ketika sedang bercuti, banyak kemungkinan buruk boleh berlaku justeru disebabkan itu kita digalakkan untuk mendapatkan insurans perjalanan.

Meskipun ada yang mungkin menganggap ia adalah hal remeh sahaja dan memilih mana-mana pelan yang paling murah, anda perlu ingat bahawa insurans perjalanan terbaik mampu membantu kita menerima pampasan dan dilindungi sekiranya berlaku sesuatu yang diluar kawalan.

Agak mendukacitakan apabila rata-rata pelancong
tidak begitu memahami dengan sepenuhnya mengenai terma
 dalam polisi insurans perjalanan mereka sehingga menyebabkan mereka tidak tahu apa yang dilindungi dan apa yang tidak dilindungi oleh pihak insurans sewaktu sedang bercuti. Akhirnya, berlaku salah faham di antara pemegang polisi dengan pihak insurans apabila tuntutan ingin dibuat.

Justeru itu, berikut merupakan 7 fakta mengenai insurans perjalanan yang anda patut tahu dan fahami bagi kepentingan anda sendiri:

Contents =

Perlindungan bermula dari hari anda membeli polisi insurans
Penerbangan terlepas
Bagasi hilang? Anda layak dilindungi, namun…
Nak insurans barangan berharga? Boleh, tapi ada hadnya
Tahu segala butiran dalam polisi
Usia
Gemar lakukan aktiviti ekstrem? Dapatkan insurans tambahan

Perlindungan bermula dari hari anda membeli polisi insurans

Tahukah anda, meskipun tarikh perjalanan anda mungkin hanya berlaku dalam tempoh 1 bulan lagi, namun sebaik sahaja anda membeli insurans perjalanan, anda telah dilindungi ya.

Contoh, jika penerbangan anda dibatalkan atas sebab-sebab yang munasabah, termasuklah berlakunya hal kecemasan seperti anda sakit atau sebagainya, maka anda layak untuk membuat tuntutan bagi mendapatkan semula sebahagian daripada ganti rugi.

Selain itu, anda juga layak untuk mendapatkan pampasan sekiranya percutian anda dibatalkan akibat bencana alam seperti gempa bumi atau letusan gunung berapi. Jika ia sudah dilaporkan kepada media dan anda baru berhasrat untuk membeli insurans perjalanan, maka ia sebenarnya sudah tiada gunanya lagi kerana anda tidak akan boleh mendapatkan tuntutan. Jadi, lebih baik anda beli insurans lebih awal ya.

Penerbangan terlepas

Anda terlepas penerbangan atas kesilapan diri sendiri? Maaf, anda tidak layak untuk membuat tuntutan atas kesalahan itu. Namun, bagaimana pula jika anda terlepas penerbangan akibat masalah teknikal, lebihan tempahan ataupun pesawat diselenggara? Maka, anda boleh membuat tuntutan kepada insurans bagi mendapatkan ganti rugi. Ini bukan kesalahan anda dan ia adalah tanggungjawab syarikat penerbangan itu.

Bagasi hilang? Anda layak dilindungi, namun…

Ini mungkin pernah terjadi kepada anda, ataupun tidak. Jika bagasi atau barangan peribadi anda hilang akibat dicuri ketika anda bercuti, maka anda layak untuk dilindungi oleh pihak insurans.

Bagaimanapun, lain ceritanya jika kehilangan barangan tersebut berlaku disebabkan oleh kecuaian anda sendiri. Jika begitu, tuntutan anda pastinya akan ditolak. Contohnya tertinggal di dalam teksi, bas atau di tempat pemunggahan bagasi.

Jadi, sila jaga barangan peribadi anda dengan baik ya!

Nak insurans barangan berharga? Boleh, tapi ada hadnya

Anda mungkin gemar untuk membawa banyak barang berharga ketika sedang melancong jadi anda pun mengisuranskan barang berharga itu secara berasingan bersama dengan polisi perjalanan anda.

Namun anda perlu tahu bahawa setiap barang yang diinsuranskan itu mempunyai had tertentu (dari segi jumlah pampasan yang diterima). Jadi, sila semak dulu dengan syarikat insurans bagi memastikan anda tahu berapa jumlah perlindungan yang anda layak peroleh sekiranya barangan berharga yang diinsuranskan telah hilang.

Jika anda berkeras untuk bawa barangan berharga seperti beg berjenama, cincin berlian atau lain-lain yang terlalu mahal harganya, jadi sila insuranskannya di bawah polisi anda ya bagi mengelakkan kerugian melampau.

Tahu segala butiran dalam polisi

Setiap syarikat insurans mungkin menawarkan pelan yang agak serupa namun manfaat yang diberikan adalah berbeza. Jadi, sangat penting untuk anda semak, teliti dan bandingkan terlebih dahulu sebelum mendapatkan sesuatu pelan insurans perjalanan.

Perlu anda tahu bahawa insurans perjalanan biasa (asas) hanya melindungi pemegang polisi dari aspek perubatan sahaja. Jadi, jika anda mahukan perlindungan yang lebih luas termasuklah daripada segi kehilangan barangan peribadi dan lain-lain, sila dapatkan pelan yang mengikut keperluan anda itu.

Usia

Jika ada dalam kalangan ahli keluarga anda yang sakit atau meninggal dunia ketika sedang berada di luar negara, anda perlu tahu bahawa pelan insurans perjalanan komprehensif akan melindungi kos perjalanan balik ke negara anda. Namun, biasanya ia juga tertakluk kepada usia seseorang itu. Biasanya jika sudah melepasi had umur tertentu contohnya 80 tahun, syarikat insurans tidak akan membayar perlindungan. Jadi sila semak dahulu dengan syarikat insurans.

Gemar lakukan aktiviti ekstrem? Dapatkan insurans tambahan

Bercuti ke luar negara mungkin akan membuatkan kita gemar untuk mencabar diri kita dengan mencuba aktiviti ekstrem yang ada di negara itu kan? Boleh, namun ingat tidak semua aktiviti berisiko tinggi ini akan dilindungi insurans. Jadi, jika anda bercadang untuk lakukan aktiviti/ sukan merbahaya tertentu ketika melancong, sila beli perlindungan tambahan yang akan melindungi aktiviti anda itu ya.

Dapatkan pelan terbaik

Semoga perkongsian ini membantu anda. Sila pastikan anda faham beberapa fakta mengenai insurans perjalanan di atas dan dapatkan pelan terbaik bagi manfaat anda. Untuk lebih mudah, anda juga boleh mendapatkan insurans perjalanan menerusi platform Bjak. Ada 15 jenama insurans yang diiktiraf untuk dibandingkan dan pastinya ada 1 yang akan mengikut keperluan anda.

Bjak merupakan platform perbandingan insurans terbesar di Malaysia yang menyediakan 15 syarikat insurans untuk pengguna lakukan perbandingan. Dapatkan
 sebut harga percuma
 di Bjak hari ini
dan beli insurans anda ikut keperluan dan bajet.

Baca juga:

Cara Pilih Insurans Perjalanan Terbaik
5 Perkara yang Perlu Dititikberatkan Sebelum Beli Pelan Insurans Perjalanan
6 Sebab Ini Akan Buatkan Anda Beli Insurans Perjalanan
Insurans Perjalanan: Tahunan VS Tunggal


Accidents Between Cars and Motorcycles: Are Car Drivers Automatically at Fault?

One day, while changing lanes after giving the signal, a motorcycle suddenly knocks on the side of your car. Looking at the dent in your car, you are filled with shock, anger and sadness, especially as you often hear that car drivers will always have to take the blame when accidents between cars and motorcycles happen.

They say that car drivers have to take the blame as motorcyclists are more vulnerable to dangers on the road. Besides, most motorcycles do not come with airbags as a safety feature. But here is the question: will car drivers be automatically at fault in accidents between cars and motorcycles?

Let us look into the issue through this article.

Contents =

What should you do after an accident?
What if you are blamed?
Can you claim your car damage against motorcycle insurance?
How to make a Third Party Property Damage Claim
Car drivers are not automatically at fault?
Dangerous driving resulting in death
What if the dangerous driving did not cause death?
Drive safely and know your rights

What should you do after an accident?

Before deciding who is right or wrong, find out what you need to do when you run into an accident:

Perform an immediate assessment of the damage to your car.
Contact your insurance company
 immediately if your car suffers serious damage that it requires
towing service
.
Take pictures of your car, and the motorcycle involved and record information, including the plate number and road tax.
Obtain the personal information of the motorcyclist including their full name, telephone number, and if possible, identity card number.
Take your car to the nearest police station and make a report within 24 hours.
Take your car to your
insurance panel workshop
.
Prepare and submit the relevant documents to the insurance panel workshop for claims processing. Required documents include:
Police report (original copy)
Insurance policy
Driver & policyholder’s identity card (copy)
Driver & policyholder’s driving license (copy)
Once everything is done, the workshop will take over the insurance claims and car repair process.

What if you are blamed?

If you are charged as guilty but are convinced that the motorcyclist in question is at fault, do not worry.
You have the option of taking the matter to court. You can consult with your insurance company to get a lawyer or get involved in person.

If the accident is due to the motorcyclist’s negligence, the blame will fall on the motorcyclist entirely.

For example, you can refer to the case of
Ali bin Saad v Toyibah bt Ahmad Nordin
in
2017,
 reported by AskLegal. In that case, a car was hit by a motorcyclist from behind on a bridge in Alor Setar. Both parties made police reports but with their own version of it.

The motorcyclist reported that she was travelling on a straight road and that the car that was on her right made a sudden left turn. Meanwhile, the car driver said he was going straight and stopped when the vehicle in front of him stopped. That was when the motorcycle collided with his car.

There was no evidence to suggest that the car driver was changing lanes in the above case. Therefore, the motorcyclist was found to be entirely liable.

Can you claim your car damage against motorcycle insurance?

Image credit: Mann & Elias

Many assume that they cannot make a car damage claim on motorcycle insurance. But you actually can. According to the Road Transport Act 1987, every motor vehicle that uses public roads in Malaysia must have at least third-party insurance.

Motorcycle third-party insurance covers damage to a third party’s vehicle or property in the event of an accident. It also protects the policyholder when liable for the injury or death of a third party.

As such,
you can make a Third Party Property Damage Claim on the motorcycle insurance through the motorcycle insurance company
.

How to make a Third Party Property Damage Claim

The following is a summary of how to make a Third Party Property Damage Claim:

Send your car to an insurance panel workshop.
Appoint an adjuster to assess the cost of damage to your car.
Submit your claim to the motorcycle insurance company along with the following documents:
Police report (original copy)
Driver & policyholder’s identity card (copy)
Driver & policyholder’s driving license (copy)
Vehicle ownership certificate (copy)
Adjuster’s report
Bill of your car repair
Pictures of accidents and damage to vehicles
Police document stating that the party has been compounded for committing a traffic offence

Car drivers are not automatically at fault?

According to AskLegal, car drivers are not automatically wrong in accidents between cars and motorcycles. The Malaysian Highway Code, Section 10, outlines some basic rules on the road, such as being courteous:

The courteous motorist will show consideration to all other road users whether drivers, cyclists or pedestrians. He controls his temper and obeys traffic regulations. You must not allow the rudeness or stupidity of other road users to affect your own good manners, judgement and conduct while driving.

Under the Road Transport Act 1987, Section 68, the above code is enforceable by law and referred to in court.

Dangerous driving resulting in death

In addition,
the Road Transport Act 1987
 provides that if one drives dangerously and carelessly, resulting in death, the driver may be charged under
Section 41
. The driver can be summoned to court and sentenced to imprisonment of not less than 2 years but not more than 10 years and a fine of between RM5,000 to RM20,000. The driver’s driving license may also be suspended.

What if the dangerous driving did not cause death?

Section 42 provides for people who are guilty of driving recklessly and dangerously
 but not causing death. The offender can be imprisoned for not more than 5 years and fined not less than RM5,000, but not more than RM15,000.

Subsequent convictions will lead to longer prison sentences and heavier fines. Sections 43 and 44, respectively, provide for laws against persons found to be driving recklessly and driving under the influence (of drugs and/or alcohol).

Based on the above points, you can see that car drivers are not automatically at fault when they run into an accident with a motorcycle. The court will not simply favour motorcyclists just because of their vehicle type. Instead, the court will examine all available evidence in determining the guilty party.

Drive safely and know your rights

Every road user has rights as a user. Even though you drive a car, you will not automatically be at fault if you run into an accident with a motorcycle.

Please do not be afraid to take legal action, especially when you believe that you are innocent. Speak to the guilty party in an amicable manner and consult with your insurance company for legal assistance.

As a reminder, drive prudently, including maintaining a safe driving distance. Additionally, make sure your car or motorcycle has valid
insurance
 and
road tax
 at all times. If your insurance or road tax is about to expire, do not worry.
Get free motorcycle or car insurance quotes
 and renew both online at Bjak in just 5 minutes.

Get Quotes

Also read:

Rear-End Collision? Follow These Steps to Claim Insurance
Can You Make An Insurance Claim If Someone Hits Your Parked Car?
Why Your Car Insurance Claim Might Get Rejected


新冠变种病毒：Omicron

根据马来西亚卫生部（
Kementerian Kesihatan Malaysia，KKM
）于2021年11月26日发表的媒体声明，卫生部已注意到 新冠病毒的最新变种病毒 B.1.1.529，世界卫生组织（WHO）将之命名为Omicron变种病毒。

我们在此与您分享Omicron变种病毒的重要信息，以供您了解。

Contents =

什么是 Omicron 变种病毒？
马来西亚现首宗Omicron病例
Omicron 变种病毒的风险
国家边境管制以防止 Omicron 变种病毒传播
继续执行SOP预防新冠病毒

什么是 Omicron 变种病毒？

根据
卫生部媒体声明
，Omicron变种病毒的刺突蛋白（spike protein）带有32个突变，是Delta变种病毒（B.1.617）的两倍。除了Delta、Alpha、Beta 和Gamma变种病毒之外，WHO已将Omicron变种病毒列为“值得关切的变种病毒”（Variants of Concern，VOC）。

世卫组织表示，
Omicron 变种病毒最早在南非发现
。世卫组织根据2021年11月9日采集的标本确认了第一例病例。

据了解，
除南非外，博茨瓦纳、比利时、加拿大、澳大利亚、荷兰、丹麦、英国、德国、以色列、意大利、捷克共和国和香港也发现了Omicron变种病毒
。（
CNN
 于2021 年 11 月 29 日报道）。

马来西亚现首宗Omicron病例

12月3日，
马来西亚卫生部证实
一名19岁的南非女子经由新加坡转机入境我国接受检测后初步证实确诊感染Omicron变种病毒。卫生部长凯里表示，这名19岁南非女子是霹雳私人大学的一名学生。

据报道称，该名患者赴南非探亲后，在11月19日经新加坡入境马来西亚。抵达后，在吉隆坡国际机场接受了新冠病毒检测并呈阳性反应。

据悉，这名患者曾经与8人有密切接触，虽皆已在11月29日结束强制性隔离，为求谨慎，目前再召回这9人，并再次进行新冠病毒检测，目前所有人暂无症状。

卫生部长凯里·贾马鲁丁在新闻发布会上。

Omicron 变种病毒的风险

Omicron变种病毒首现南非后，当地确诊病例暴增。世界卫生组织表示，初步证据表明Omicron变种病毒的传播力更强，也更能逃脱人类的免疫系统，令科学家们感到担忧。

世卫组织目前正在进行一项研究，以进一步评估 Omicron 变种病毒。新的调查结果将根据需要传达给成员国和公众。

在马来西亚，马来西亚公共卫生医药专业协会（PPPKAM，Persatuan Pakar Perubatan Kesihatan Awam Malaysia）主席拿督再纳阿里芬博士表示，
专家尚未确定 Omicron 变种病毒的传染性水平以及其特征
。此外，卫生部表示，没有关于 Omicron 变种病毒的潜伏期、症状和传染性的进一步信息。

医学专家正在研究 Omicron 变种病毒。

国家边境管制以防止 Omicron 变种病毒传播

自 2021 年 11 月 27 日起，马来西亚卫生部长凯里·贾玛鲁丁宣布了
四项预防措施和边境管制
，包括入境马来西亚的游客，即：

马来西亚公民不得前往南非、博茨瓦纳、埃斯瓦蒂尼、莱索托、莫桑比克、纳米比亚和津巴布韦；
对所有在 14 天内曾经前往南非、博茨瓦纳、埃斯瓦蒂尼、莱索托、莫桑比克、纳米比亚和津巴布韦的外国人实施临时限制；
从南非、博茨瓦纳、埃斯瓦蒂尼、莱索托、莫桑比克、纳米比亚和津巴布韦返回马来西亚的马来西亚公民和永久居民可以入境，但无论是否接种疫苗，都必须在检疫中心接受 14 天的隔离，而不是在家隔离；
将从南非、博茨瓦纳、埃斯瓦蒂尼、莱索托、莫桑比克、纳米比亚和津巴布韦返回马来西亚的个人采集样本，用于基因组监测。

此外，如果卫生部的风险评估显示一个国家的 Omicron 变种病毒风险增加，马来西亚政府将把该国家列入红色名单，并可能限制出入境。

*
国家译名：南非（South Africa）, 博茨瓦纳（Botswana），埃斯瓦蒂尼（Eswatini）, 莱索托（Lesotho）,                     莫桑比克（Mozambique），纳米比亚（Namibia），津巴布韦（Zimbabwe）

医务人员对机场旅客进行评估与检测。

继续执行SOP预防新冠病毒

马来西亚政府将继续不时通报Omicron变种病毒的防御措施与进展。

除了政府的持续监控外，提醒
您继续执行SOP以预防新冠病毒，包括戴口罩、进行至少一米的社交距离以及定期进行消毒。

此外，
如果您符合条件但尚未接种疫苗，请立即接种疫苗以预防新冠病毒
。请记住，
为了全国人民的健康和安全，请继续执行 SOP并接种疫苗
。

人民应继续严守SOP预防新冠病毒。

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

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
。

在必佳更新车险，您不但可以
一次性比较15家保险公司的报价
，
现在还可以“
先更新后付款
”
，
今天就到必佳了解更多！

延伸阅读：

独留孩童在车内 家长或判坐牢20年
小心车祸黑区，勿成公路亡魂！
驾车人士一定要知道的车祸处理SOP
开车玩手机撞后逃 行车记录仪记一功
车内必备应急物品，您都准备了吗？


Selepas 12 tahun, Perodua Alza dihentikan Produksi pada Jan 2022?

Kereta MPV keluaran jenama tempatan popular, Perodua Alza sememangnya mendapat tempat dan sambutan yang menggalakkan dalam kalangan rakyat Malaysia.

Ia mula diperkenalkan sejak November 2009 dan sepanjang ia dijual, model tersebut telah melalui dua fasa
 facelift
, iaitu pada Januari 2014 dan September 2018.

Contents =

Dihentikan produksi?
Sebab penamatan produksi
Apakah itu piawaian emisi ekzos Euro?
Jumlah unit terakhir yang akan dihasilkan
Jangan risau, MPV lain ada untuk keluarga anda
Perodua Aruz
Proton Exora
Proton X70
Toyota Innova
Toyota Avanza
Nak beli Perodua Alza? Kunjungi pusat jenama Perodua hari ini

Dihentikan produksi?

Namun memetik laporan
Paultan.org
, setelah 12 tahun, model Perodua Alza ini dikatakan akan dihentikan produksi 2 bulan dari sekarang.

Menurut laman portal itu, satu nota telah diedarkan oleh pihak Perodua kepada pengedar-pengedarnya bahawa Alza disahkan akan dihentikan pengeluaran pada Januari tahun depan dan tiada satu unit akan dipasang bermula 1 Februari 2022.

Sebab penamatan produksi

Antara sebab penamatan produksi Perodua Alza adalah kerana pelaksanaan piawaian emisi ekzos Euro 4 yang akan berkuatkuasa pada 1 Januari 2022, berbanding Euro 2 yang dilaksanakan pada ketika ini.

Apakah itu piawaian emisi ekzos Euro?

Untuk memudahkan pemahaman anda, piawaian ini merujuk kepada had yang boleh diterima untuk pelepasan ekzos kenderaan baru yang dijual di negara-negara ahli Kesatuan Eropah.

Ia berdasarkan pengeluaran asap, nitrogen oksida, gas hidrokarbon, karbon monoksida dan partikel asap yang dihasilkan semasa enjin dihidupkan.

Kenderaan yang tidak lulus piawaian ini tidak dibenarkan untuk dijual di Kesatuan Eropah, namun piawaian baharu tidak dikenakan kepada kenderaan sedia ada di jalan raya.

Undang-undang ini mula dikuatkuasakan pada tahun 1992 dengan
standard
Euro 1 sebagai permulaan. Undang-undang Euro 1 menyatakan bahawa semasa beroperasi enjin tersebut tidak boleh melepaskan 2.72g karbon monoksida per km, 0.97g Nitrogen Monoksida dan Hidrokarbon per km, dan 0.14g jelaga bagi setiap km bagi enjin petrol dan juga disel.

Dan bermula dari 31 Desember 1992, semua kereta yang akan dijual di kesatuan Eropah perlu melepasi tahap piawaian ini atau langsung tidak dibenarkan untuk dijual terus.

Di Malaysia pula, emisi Euro 4 mula digunakan bermula Januari 2020 yang dipercayai mampu mengurangkan pencemaran dan pelepasan asap dari enjin kepada alam sekitar bagi menjamin kelestarian alam. Standard Euro 4M yang digunakan merupakan standard yang telah diubah suai untuk memenuhi keperluan pasaran dan keadaan cuaca tempatan.

Jumlah unit terakhir yang akan dihasilkan

Dalam pada itu, notis tersebut juga turut berkongsikan angka-angka untuk produksi unit-unit akhir Alza seperti di bawah:

2,828 unit pada bulan November
2,283 unit pada Disember
1,100 unit pada Januari

Jangan risau, MPV lain ada untuk keluarga anda

Selepas khabar angin mengenai pemberhentian produksi Perodua Alza pada awal tahun depan, mungkin ada yang mula memikirkan kereta MPV/ SUV jenis apakah lagi yang boleh dibeli selepas ini terutamanya untuk kegunaan seisi keluarga.

Jangan risau, sebenarnya terdapat lagi beberapa model lain yang ada di pasaran yang anda boleh pertimbangkan seperti:

Perodua Aruz

Harga: RM72,900 – RM73,226

Boleh memuatkan sehingga 7 orang penumpang
Mempunyai 6 beg udara dan kawalan kestabilan untuk semua varian
Tempat duduk di barisan ketiga menawarkan keselesaan yang baik

Lihat spesifikasi penuh di sini:
https://www.perodua.com.my/files/perodua_aruz_2021.pdf

Proton Exora

Harga: RM59,800 – RM66,800

Boleh memuatkan sehingga 7 orang penumpang
MPC turbocharged termurah di Malaysia
Penyaman udara disediakan untuk penumpang baris kedua dan ketiga

Lihat spesifikasi penuh di sini:
https://www.proton.com/en/find-a-car/exora

Proton X70

Harga: RM94,800 – RM122,800

Boleh memuatkan sehingga 11 orang penumpang
Mempunyai 6 beg udara, ESC, TCS untuk semua varian
Tempat duduk depan berventilasi

Lihat spesifikasi penuh di sini:
https://www.proton.com/en/find-a-car/protonx70

Toyota Innova

Harga: RM111,622 – RM129,677

Boleh memuatkan sehingga 8 orang penumpang
7 beg udara dan kawalan kestabilan untuk semua varian
Sokongan Android Auto dan Apple CarPlay

Lihat spesifikasi penuh di sini:
https://toyota.com.my/vehicles/mpv/innova

Toyota Avanza

Harga: RM77,963 – RM84,848

Boleh memuatkan sehingga 7 orang penumpang
Kunci keselamatan kanak-kanak
Sistem brek anti-kunci

Lihat spesifikasi penuh di sini:
https://toyota.com.my/vehicles/mpv/avanza

Nak beli Perodua Alza? Kunjungi pusat jenama Perodua hari ini

Untuk anda yang masih ingin membeli dan mendapatkan Perodua Alza ini sebagai kereta harian anda, anda bolehlah mengunjungi mana-mana
 showroom
 Perodua sebelum terlambat.

Terdapat tiga varian yang boleh dipilih, sama ada Perodua Alza SE atau AV dan Alza S dengan harga bermula daripada RM52,661 untuk transmisi automatik.

Layari laman web
Perodua
sekarang untuk ketahui lebih lanjut mengenai ciri-ciri bagi setiap varian yang ada.

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


注意！千万别把这9种东西留在车里！

有的车主喜欢将他们的车子变成便利商店，不管什么东西都置放在车内，以方便取用。

然而，马来西亚是常年夏天的国家，几乎每一天的天气都酷热难耐，假若车子经常暴晒在大太阳底下，车内的温度便会提高至50摄氏度以上，犹如一个“烤箱”。

封闭的空间让聚集在车内的热量无法散发出去，在这样的环境中，许多置放在车里的物品便存在安全隐患，像定时炸弹一样，随时都会发生爆炸。

Contents =

不应该留在车里的东西
充电宝或电子设备
罐装喷雾剂
香水
打火机
药物
汽油
老花眼镜
樟脑丸
食物及饮料
做一个谨慎的车主

不应该留在车里的东西

充电宝或电子设备

充电宝、手机、平板电脑、相机等电子设备都不适宜放在车内，尤其是放在太阳晒得到的地方，危险指数更会急剧上升。

当车内温度升高时，这些电子设备的电池热量无法及时散发出去，聚集在车内将会导致车子着火。此外，电池长时间放置在高温环境下容易老化，劣质电池更会出现膨胀现象，甚至会发生爆炸。

2019年2月，一辆停在路边的休旅车突然起火燃烧，怀疑是置放在车内的手机充电器发热爆炸起火，详细新闻可参阅：
疑手机充电器爆炸 路边休旅车起火燃烧
。

罐装喷雾剂

您知道吗？喷发胶、杀虫剂、喷漆及哮喘药物等罐装喷雾剂都是高度易燃的物品。避免将这类易燃物品留在车内，因为罐装内的化学物质会对热产生反应，进而导致爆炸。

香水

一般香水的安全使用环境温度是45摄氏度，而曝晒在太阳底下的车内温度可达50至60摄氏度，加上香水大都拥有酒精成分，若长期放在挡风玻璃下暴晒，香水罐可能会爆裂，从而导致汽车自燃。

打火机

如果您是吸烟者，请确保不要将打火机留在车内，因为打火机内的气体受热后就会爆炸。

您可能认为将打火机放在车内很方便，但这样的行为将对您带来生命危险。

药物

不要将任何药物长时间留在车内。因为药物暴露于高温中将会变质，服用变质的药物将会影响您的身体健康。温馨提醒，药物必须保存于室温之下。

汽油

将汽油储存在汽车后备箱的容器中以备不时之需是非常危险的，因为汽油高度易燃。

您可能认为在车内放置一个装满汽油的容器，不会因为炎热的天气而轻易引起火灾，除非点火燃烧，但是，假若您的汽车不幸发生事故，那么置放在车内装满汽油的容器就会致使您和您的汽车处于危险当中。

老花眼镜

有的上了岁数的车主常在车内备一副老花眼镜，以备不时之需。如果车辆停在阳光曝晒的地方，置放在挡风玻璃下的老花眼镜容易将光线聚焦在一起，导致焦点温度过高，从而烤焦车内的塑料饰板，导致车子自燃。

樟脑丸

像樟脑丸这样的杀虫剂似乎对人体无害，但是置放在车内却会危及您的健康。

不要把这些有毒的物质留在车内，因为它们在受热时容易挥发，从而污染车内的空气。

食物及饮料

您是否有将未喝完的水放在车内，并在几天后饮用的坏习惯？

置放在车内的食物和饮料在高温下可能不再安全食用，因为车内的温度可能达到 60°C 甚至更高，这将导致车内的食物或饮料变质。变质的食物或饮料可能会分解并产生污染物，从而危害您的健康。

做一个谨慎的车主

作为一名车主，您绝对有必要检查车内是否存放着以上所述的物品，千万别掉以轻心，因为这些物品将随时导致车子起火或影响您及车上乘客的身体健康。

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

不要忘记检查您的
汽车保险截止日期
，如果
车险与路税已逾期
，
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：

车内必备应急物品，您都准备了吗？
独留孩童在车内 家长或判坐牢20年
疫情下的车内消毒法
去除车内异味的10种方法
正确使用儿童安全座椅，勿放前座！


Car Underinsurance: The Risks Of Not Insuring Enough

Car underinsurance occurs when the value you insured your assets for falls short or lower than their true market worth. For example, if you own a BMW car worth RM300,000 but instead of purchasing insurance coverage for its true value, you opt for coverage equivalent to that of a Proton Saga worth a mere RM 46,500. So, what does this mean for you?

In the unfortunate event of any mishap, the compensation offer will be based on the value of a Proton Saga, or perhaps even less! It’s crucial to understand the implications of being underinsured and ensure your assets are adequately protected. So, let’s find out some of the risks you may face!

Contents =

What happens when you underinsure?
Car is stolen
Car damage
Be cautious of lower-priced insurance premiums!
How to check a car’s market value?

What happens when you underinsure?

Car is stolen

If your car is ever stolen, you will only be able to receive compensation for your car’s sum insured. But the amount may not be enough to settle your car loan. So you might still owe the bank the amount for your car’s loan. Since your car was not adequately insured,
you still have to make payments to the bank for a car that you no longer own
.

This situation arose because the claim from the sum insured was insufficient to settle your car loan!

Car damage

The same rule applies in the case of your car being damaged. Unless you are wealthy and have enough funds to cover the repairs, you will be responsible for paying the remaining amount not covered by the insurance.

For example, you own a car worth RM60,000. However, a mishap occurred when you made the decision to underinsure your car, settling for coverage of only RM40,000. Fast forward one year, and an unfortunate accident happens, necessitating a claim on your comprehensive policy. To your dismay, the damage requires an amount of RM10,000 to repair, yet the market value of your car has dropped slightly to RM55,000 by the time you submit your claim.

With the implementation of the
average clause
, your reimbursement will be limited to RM7,272 instead of the full loss amount of RM10,000. Consequently, you will be responsible for covering the remaining shortfall of RM2,728 using your own funds.

The application of the
average clause
 is relevant due to the fact that your car is insured for a value lower than its actual worth.

You can find out the average clause figure by using the following formula:

Be cautious of lower-priced insurance premiums!

This is an unfortunate circumstance that can occur to anyone. In reality, numerous individuals are unaware that they have insufficient insurance coverage for their vehicles and heavily rely on agents for policy renewals.

Now, let’s be clear, not all agents are guilty of this, but it’s absolutely vital that you empower yourself with knowledge and ensure your vehicle is safeguarded at its true market value. Don’t let yourself fall victim to the trickery of cheaper premiums – take charge of your protection!

How to check a car’s market value?

When you apply for insurance online, the majority of insurance websites will automatically determine the market value of your vehicle.

Alternatively, you can also use these websites to find out the market value of your car:

CarBase.my
MyCarInfo

Take action now to safeguard yourself and your beloved car from the risks of underinsurance. Don’t wait any longer— secure the proper coverage and shield your vehicle!

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

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


Complete Guide To Takaful Insurance In Malaysia

Conventional insurance and Takaful plan offer financial protection against any untoward incidents happening to the policyholders. The policyholders can seek shelter from the insurance providers and Takaful operators in the following situations:

Road accidents
Critical illness
Loss of property
Death

You may choose to purchase coverage from conventional or Takaful insurance products. Despite both providing financial protection, there are several differences that you need to learn and understand.

Read on as we go in-depth comparing conventional insurance and Takaful policy.

Contents =

What is Takaful?
Differences between Takaful and conventional insurance
Motor Takaful
About motor Takaful
Comprehensive Takaful policy
Third-party, fire, and theft policy
Third-party policy
Can non-muslims purchase motor Takaful?
What is the law for Muslims to buy conventional insurance products?
Guide for the best motor Takaful
Ensure the agent is registered under MTA
Compare multiple companies
Check with the Takaful panel workshop
Compare the quality level and service
Where can you get the best motor Takaful plan?
Etiqa Takaful
Takaful Malaysia
Takaful Ikhlas
Zurich Takaful
Steps to Claim Takaful after a car accident
Own Damage claim
Third-party claim
What is not covered under the motor Takaful plan
Get the best Takaful plan for your vehicle

What is Takaful?

Takaful is an insurance concept that complies with the Shariah law, which is free from the prohibited elements in Islam. These elements include Riba’ (interest), Maysir (gambling), and Gharar (uncertainty).

Unlike conventional insurance, Takaful uses a concept based on cooperation where participants under
its scheme share all risks mutually.

Other than that, Takaful products also implement a no-claim cashback policy. This policy allows you to receive a cash rebate from the company if you do not make any claim during the coverage period. The rebate amount, however, varies by Takaful operators.

Takaful is established as an alternative for Malaysians, mainly Muslims, to switch from purchasing conventional insurance products to more Shariah-compliant products.

Refer to the below image to learn the differences between Takaful policy and conventional insurance.

Differences between Takaful and conventional insurance

Motor Takaful

Takaful coverage provides extensive protection plans to suit your diverse needs. The protection includes medical, home, and motor coverages as well.

Let us run through the motor Takaful products in detail with you.

About motor Takaful

Motor Takaful offers three policies type to vehicle owners:

Comprehensive policy
Third-party, fire, and theft policy
Third-party policy

Comprehensive Takaful policy

A comprehensive car takaful policy offers the most comprehensive protection to car owners. This policy covers the policyholder against loss or damage to their property and third-party claims, including loss or damage to the property of the party involved and injury or death caused by you.

Usually, Takaful operators will suggest new car owners (at least up to 10 years) purchase a comprehensive policy.

Third-party, fire, and theft policy

Third-party, fire, and theft Takaful policies protect drivers against third-party claims. This includes loss or damage to property and injury or death caused by your vehicle.

The policy also offers additional coverage that protects your vehicle in the event of fire or theft.

This policy is fitted for vehicles that are rarely used or more than ten years old.

Third-party policy

The third-party takaful policy is the most basic protection policy and only protects third parties. The coverage provided includes damage or loss to the property of a third party, as well as injury and death of that party due to an accident caused by you.

You need to foot the bill to repair your vehicle damage.

Can non-muslims purchase motor Takaful?

Yes, motor Takaful is not only exclusive to Muslims. The non-Muslims, too, can purchase Takaful products without any worry.

What is the law for Muslims to buy conventional insurance products?

Conventional insurance products have prohibited elements, as stated in Islam. They are namely riba’ (interest), gharar (doubt), and also maysir (gambling).

Therefore, according to Muzakarah of the Fatwa Committee of the National Council for Islamic Religious Affairs of Malaysia (MJFK), it makes all types of conventional insurance illegal for Muslims to purchase.

Guide for the best motor Takaful

Ensure the agent is registered under MTA

To your knowledge, all companies that offer Takaful services register with the Malaysian Takaful Association (MTA) before they can advertise and sell Takaful products.

Hence, please ensure your agent is registered with MTA before purchasing from them. You may check for their validity through the MTA website.

Compare multiple companies

Please survey Takaful operators to get a better insight into the whole market. You can go through their product disclosure sheets to learn about policy details. These sheets are usually available on their website for public reference.

Check with the Takaful panel workshop

Please do a check-up regarding the Takaful panel workshop branch. This is because most insurance and Takaful companies only allow you to repair your car at their panel workshop. This also ensures that the workshop meets the service standards outlined by the Takaful.

You are recommended to get motor Takaful which offers a nationwide’s panel workshop. This is to make it easier for you to get car repair services anywhere.

Compare the quality level and service

It is best to get motor Takaful that can conveniently offer you 24-hour customer service.

On top of that, please also learn the claim procedure offered across Takaful operators.

Where can you get the best motor Takaful plan?

Based on the Malaysian Takaful Association (MTA) website, there are four car takaful companies or operators in Malaysia: Etiqa Takaful, Takaful Malaysia, Takaful Ikhlas, and Zurich Takaful.

Etiqa Takaful

Etiqa Takaful is undoubtedly one of the best Takaful operators in Malaysia. The followings are the principle that it stands by:

Offers all drivers coverage
 – Etiqa Takaful offers free all drivers coverage automatically without any additional premium.

Agreed value, not market value
 – Your claim will be paid according to the agreed value during renewal.

You will be compensated with the full sum insured in the event of car theft or severe car damage (total loss).

No excess
 – Some insurers ask you to pay a portion of the cost for your damages when involved in an accident, which is called an excess. Meanwhile, Etiqa Takaful provides no excess term to the policyholders who are 21 years old and above. This means you do not have to pay a portion of the repair cost.

Free courtesy car after an accident
– Etiqa Takaful offers a free courtesy car within 14 days after the accident.

Takaful Malaysia

Takaful
myMotor
under Takaful Malaysia covers your vehicle against losses or damages and third-party legal liabilities.

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

Comprehensive cover
Third-party, fire and theft cover

Comprehensive coverage
– Comprehensive insurance protects the policyholders’ cars in case of a car accident, fire, or theft. This policy also covers the third party (injury, death, property loss, or damage).

Third-party, fire, and theft insurance coverage
 – Third-party, fire, and theft insurance protects the damage and loss to the third party where you are at fault. It also provides coverage to policyholders’ vehicles in the event of fire and theft.

However, the coverage on your vehicle is limited to any loss or damage caused by fire, explosion, lightning, robbery, burglary, or theft only.

Like Etiqa Takaful, Takaful Malaysia also offers all drivers coverage for free. Besides that, it also provides free personal accident cover of RM15,000 per life in one lump sum for drivers and passengers in the event of accidental death or total permanent disability.

On top of that, policyholders can get cashback of up to 7.5% for making no claims during the coverage period.

Takaful Ikhlas

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

The followings are special benefits offered:

Free ten additional named drivers
Free personal accident coverage up to RM10,000 exclusive for policyholders
Mandatory excess exemption for unauthorised drivers
Fee refund for the use of public transport services up to RM100 while your car is at the panel workshop.

Zurich Takaful

Zurich Takaful protects policyholders from any loss or damage of their property due to accidents, fire or theft, and third party’s claims, including the loss or damage to the third party’s property, injury or death.

Z-Driver Takaful under Takaful Zurich offers the following:

Additional personal accident cover for policyholders with fees as low as RM15 per year for coverage up to RM175,000, subject to terms and conditions
Free coverage of authorised drivers for personal use
Waiver of betterment cost additional cover

Steps to Claim Takaful after a car accident

Own Damage claim

Do an immediate evaluation of your car damage. Call your Takaful company to inform them of the damage severity and ask for towing service
Take photos of your vehicle, including the other involved vehicle
Exchange details with the other involved party in the accident (phone number, full name, MyKad number)
Lodge a police report within 24 hours at any nearby police station
Take your car to a Takaful panel workshop to have the damage repaired under the insurance claim
Provide the necessary documents for the claim process (original copy of police report, Takaful insurance policy, copy of identity card, and copy of driver’s licence)
Upon completion, the workshop will take over your claim process for car repair

*
Note: Personal accident claims can only be made by comprehensive policyholders, and they are for repairing damage to their vehicles.

Third-party claim

Contact your Takaful operator or
Accident Assist Call Centre (AACC)
, which offers 24-hour customer service at their hotline number 15500
Gather details and evidence of the accident (location, time, take photos of the scene)
Exchange details with the other involved party in the accident (phone number, full name, vehicle registration number, insurance company/Takaful operator)
Lodge a police report within 24 hours
Inform your Takaful operator within seven days after the accident to proceed with the claim
Send your car to the Takaful panel workshop
Get an adjuster to assess the damage to your car
Submit the following documents to the other party’s insurance/takaful company:

Original copy of police report
Copy of identity card and driver’s license
Vehicle ownership certificate (copy)
Adjuster report
Your car repair bill
Police document stating the party who was charged for the traffic offence

Upon completion, the workshop will take over your claim process for car repair

*Note: This claim can be made even if you are only a third-party policyholder and not the party at fault.

What is not covered under the motor Takaful plan

Despite taking a comprehensive policy, you may not receive full coverage. Please note that these situations are not covered under the Takaful plan:

1. Injury or death to oneself as a result of an accident caused by oneself

2. Car damage in the event of natural disasters claims
*You may purchase additional special perils coverage for damage claims due to floods, landslides, etc

3. Liability for claims from passengers of your vehicle
*You may purchase additional passenger legal liability coverage

4. Car damage due to an accident while driving under the influence

5. Loss of car accessories
*If you are a car-modifier enthusiast, you may purchase additional car accessories coverage

6. Car damage due to public riots
*You may purchase additional Strikes, Riot, and Civil Commotion (SRCC) coverage

Get the best Takaful plan for your vehicle

We hope you find this article helpful to assist you in making better vehicle coverage decisions in the future. We suggest you compare the following four Takaful brands so you can choose the plan that fits your budget and needs!

Therefore, for your convenience, you can survey them online at Bjak. Get motor Takaful quotes for free in less than 3 minutes.

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 quote

Read more:

Motor Takaful: Definition, Features And Providers In Malaysia
Conventional Car Insurance vs Motor Takaful
Insurance Panel Workshops in Malaysia


从车内向外丢垃圾  最高罚款300令吉

许多人都有乱丢垃圾的坏习惯，就算是在高速公路或大道上，司机或车上乘客从车里向外丢垃圾的情况也屡见不鲜，比如：吐痰、饮料瓶、塑料袋、烟头等等。

这个陋习不仅会影响市容，造成环境污染，还会影响其他的道路使用者，造成意外发生。

Contents =

从车内向外丢垃圾 最高罚款RM300
大马公共卫生：先把垃圾丢在塑料袋
威省市政厅：举报垃圾虫可获RM100奖励
做一个负责任的道路使用者

从车内向外丢垃圾 最高罚款RM300

根据1959年道路交通条规（Kaedah-Kaedah Lalulintas Jalan 1959）第52条文，
从车内向外丢垃圾可被罚款RM300
。重犯者将面临RM4000罚款或坐牢2个月，或两者兼施。

资讯来源：
大马皇家警察PDRM

大马公共卫生：先把垃圾丢在塑料袋

人们随手将垃圾丢出车外，无非就是贪图方便，然而，这个为了一己之利的坏习惯，却有可能导致意外的发生，比如阻挡其他道路使用者的视线，或是其他道路使用者为了躲避垃圾而造成意外等等。

因此，
大马公共卫生（Public Health Malaysia）
建议民众先将垃圾扔在塑料袋里，待停车后再把垃圾扔进垃圾桶。

威省市政厅：举报垃圾虫可获RM100奖励

为了杜绝“垃圾虫”，
威省市政厅于今年2月呼吁民众一起“捉”垃圾虫，举报者还有机会获得RM100奖励
。

威省市议员陈润辉在受访时表示，若民众遇到乱丢垃圾的人士，可以拍下“垃圾虫”的恶行，并向威省市政厅举报，只要基本证据充足，市政厅将提供举报者100令吉奖励金。

他强调，威省市政厅推行举报“垃圾虫”的奖励活动已经很多年，但民众反应并不踊跃，一些举报者提供的视频画面也不够清晰。

因此，他促请举报者提供清晰的视频录影，因为一些照片难以鉴定对方犯罪，除非是连环图。

做一个负责任的道路使用者

保持道路安全，人人有责
，身为道路使用者，我们应该尽可能保持良好的驾驶态度与驾驶方式，以确保自己和其他道路使用者的安全。

做一个负责任的道路使用者，遵守交通规则，为自己的生命负责，同时多为他人着想。

除了不乱丢垃圾，您的汽车或摩托也需要有效的车险及路税，才能上路。

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
。

在必佳更新车险，您不但可以
一次性比较15家保险公司的报价
，还可以“
先更新后付款
”，今天就到必佳了解更多！

索取报价

延伸阅读：

摩托车骑士或乘客不戴头盔 最高罚款RM300
无牌驾驶 最高罚款RM300 交通工具或被充公
违例占用紧急车道 最高罚款2千监禁半年
突然换车道致意外 最高罚款1万令吉
排气管声量太大 可判监半年罚款两千


Prehypertension: A little high, but a world of trouble

As the cumulative death toll reaches 13,713, the Ministry of Health names hypertension as one of the commonest underlying comorbidities, with studies showing that people with it have a higher risk of developing severe illnesses, intensive care admission and death.

Three in 10 Malaysians have hypertension, and half of them are unaware of it. The term prehypertension is what some know as borderline hypertension. If hypertension is defined as pressures above 140/90 mm Hg, prehypertension ranges from 120 to 139 mm Hg. Pretty close right.

What do you do if the next time you check your blood pressure and it consistently reads 120 to 139? Can you control it and avoid hypertension entirely?

You can make a difference.

According to experts, you can control your blood pressure. To help you on your journey, here are three lifestyle changes you can make to turn that frown upside down and live free of a potential myriad of chronic illnesses.

Contents =

#1 DASH
#2 Exercise
#3 Weight control
#4 Stress control
#5 Controlling bad habits

#1 DASH

DASH or Dietary Approaches to Stop Hypertension involves reducing sodium intake to 2,300 mg a day or less. 2,300 mg means that your salt intake cannot be more that one teaspoon. For those with hypertension, a goal of 1,500 mg a day will do a world of good.

The DASH diet also calls for a limited consumption of animal fat and processed foods. What can YOU eat? You can never go wrong with fruits and vegetables, whole grains, and, low or non-fat dairy products. Follow these recommendations and you may look at lowering your blood pressure.

#2 Exercise

Beating prehypertension does not mean that you have to slave away at the gym or train for Sparta. No, no no! All you have to do is get 30-minutes of moderate exercise nearly every day, to affect your prehypertension,.

Studies have shown that even with moderate physical activity, you can lower blood pressure by 4 to 9 mm Hg.

#3 Weight control

Probably the hardest health-related recommendation ever is trying to lose weight, and there is no shortcut to it. The best way to approach this is to go on a calorie-restricted diet and regular exercise. If you can lose, say 10 kg, you are looking at a 5 to 20 mm Hg drop.

#4 Stress control

Studies suggest that meditation and other relaxation techniques can lower blood pressure. Though there are plenty of very laid-back looking people out there who have high blood pressure, it is important to note that when you are under stress, winding down may just be the fix you need.

Yes! Ed Sheeran is not wrong when he says bad habits will lead to things you know that’s bad. Poor nutrition, lack of exercise and alcohol abuse is at the root of Malaysia’s rise in chronic diseases. Control them and stop racking up expensive hospital bills, you may not be able to afford.

#5 Controlling bad habits

Take the first step towards a healthier you. And if you are pessimistic about your chances of turning things around in time, be optimistic once again when you insure your health with
Bjak
. Affordable insurance at your fingertips. Choose our Life and Medical plans from as low as RM150 a month.


Cara Claim Insuran Cermin Kereta

Cermin kereta sudah retak teruk tetapi anda tidak tahu bagaimana
cara claim insuran cermin kereta
 yang perlu dilakukan? Jangan risau, sebenarnya mudah sahaja!

Pada artikel kali ini, kami akan kongsikan kepada anda langkah atau cara paling mudah untuk menghantar claim bagi membaiki cermin kereta yang telah rosak. Namun sebelum itu, jom ketahui dahulu beberapa perkara penting bagi mengelakkan kekeliruan ketika atau selepas tuntutan dibuat.

Semak Sebut Harga

Contents =

Tolak NCD atau TIDAK tolak NCD
Saya bukan pemegang polisi komprehensif, bolehkah saya claim insurans untuk baiki cermin kereta?
Cara claim insuran cermin kereta
Dokumen yang perlu dibawa:
Berapa kalikah tuntutan untuk cermin kereta boleh dibuat?
Kos untuk baiki cermin kereta mahal, jadi dapatkan perlindungan insurans terbaik!

Tolak NCD atau TIDAK tolak NCD

Cermin kereta merupakan antara bahagian atau komponen kereta yang paling terdedah dengan risiko kerosakan. Baik ketika memandu atau memakirkan kereta, bila-bila masa sahaja cermin kereta anda boleh retak atau pecah.

Disebabkan itu, ketika memperbaharui insurans dengan pelan komprehensif anda sangat digalakkan untuk mendapatkan sekali perlindungan tambahan untuk cermin kereta anda pada setiap tahun – dengan kata lain, dapatkan
insuran cermin kereta
 ketika renew insurans.

Mengapa? Ini bertujuan untuk menjaga peratusan/ kelayakan
NCD insurans kereta
 anda walaupun selepas tuntutan dibuat. Secara tidak langsung, ia boleh mengelakkan anda daripada perlu membayar premium insurans yang lebih mahal ketika pembaharuan insurans di tahun berikutnya.

“Adakah ini bermakna jika saya tiada perlindungan tambahan untuk cermin kereta, jadi tuntutan tidak boleh dibuat dan saya perlu gunakan wang sendiri untuk membaiki cermin kereta?”

TIDAK, jangan salah faham! Meskipun anda tidak mempunyai perlindungan tambahan untuk cermin kereta di bawah polisi komprehensif, anda tetap boleh membuat tuntutan insurans bagi membaiki kerosakan cermin kereta anda itu. Namun, satu perkara yang perlu anda ingat. Apabila tuntutan dibuat, maka NCD anda akan terjejas. Dan ini juga bermakna ketika pembaharuan insurans di tahun berikutnya, premium insurans anda akan kembali mahal.

Saya bukan pemegang polisi komprehensif, bolehkah saya claim insurans untuk baiki cermin kereta?

Tidak! Hanya pemegang polisi komprehensif sahaja yang layak untuk membuat tuntutan insurans bagi membaiki kerosakan pada cermin kereta. Melainkan anda ada mengambil perlindungan tambahan cermin kereta di bawah polisi insurans anda ketika pembaharuan insurans tempoh hari, maka barulah tuntutan boleh dibuat.

Cara claim insuran cermin kereta

Tanpa berlengah lagi, jom kami kongsikan cara yang sebenarnya mudah dan ringkas untuk anda claim insuran cermin kereta yang telah rosak, pecah atau retak:

Hantar kereta anda ke bengkel panel yang diiktiraf oleh syarikat insurans anda. Sekiranya anda tidak pasti, segera hubungi talian awam syarikat insurans anda.
Isi borang tuntutan di bengkel tersebut. Pastikan anda beritahu pekerja di bengkel bahawa anda ingin membuat tuntutan daripada syarikat insurans anda.
Selepas pembaikan, anda boleh bawa pulang kereta anda. Anda tidak perlu mengeluarkan duit untuk mana-mana caj pembaikan dan juga kos buruh.

Sebelum itu, pastikan juga anda telah menyediakan beberapa dokumen bagi urusan prosedur tuntutan. Dokumen ini adalah keperluan bengkel yang akan membaiki cermin kereta anda. Kebiasaannya, pihak kedai yang akan berurusan terus dengan pihak insurans.

Dokumen yang perlu dibawa:

Salinan kad pengenalan pemilik kenderaan
Lesen pemilik kereta (salinan)
Salinan geran kereta
Salinan nota perlindungan insurans kereta

Berapa kalikah tuntutan untuk cermin kereta boleh dibuat?

Anda boleh membuat tuntutan beberapa kali selagi had maksima caruman tidak habis digunakan. Contohnya jika anda mengambil perlindungan untuk RM1,000, sekiranya pada claim yang kali pertama anda hanya menghabiskan RM500 sahaja untuk pembaikan cermin kereta, maka anda mempunyai baki lagi RM500 dan boleh membuat tuntutan lagi dalam tempoh polisi itu aktif. –
Namun keadaan ini hanya tertakluk jika anda ada mengambil perlindungan tambahan cermin kereta sahaja ya
.

Kos untuk baiki cermin kereta mahal, jadi dapatkan perlindungan insurans terbaik!

Anda perlu ingat, kos untuk pembaikan cermin kereta bukanlah setakat puluhan ringgit sahaja, malah sebaliknya ia boleh mencecah sehingga ribuan ringgit. Jadi sebaiknya ketika ingin memperbaharui insurans, cubalah dapatkan pelan insurans kpmprehensif (jika masih layak) dan add-on perlindungan tambahan untuk cermin kereta anda.

Premium yang perlu dibayar untuk perlindungan tambahan ini tidaklah begitu tinggi. Sekitar 15% daripada jumlah diinsuranskan untuk cermin kereta anda sahaja. Jadi, andai kata harga untuk cermin kereta anda adalah RM600, anda perlu membayar tidak lebih daripada RM90 untuk premium perlindungan ini, setahun.

Kadar ini sebenarnya lebih menguntungkan dan berbaloi jika nak dibandingkan dengan jumlah wang yang perlu anda keluarkan sendiri untuk membaiki cermin kereta yang telah rosak.

Jadi, sila buat pertimbangan yang sewajarnya dan berikan perlindungan 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!

Semak Sebut Harga

Baca juga:

Cara Claim Insuran Kereta Kemalangan Sendiri (Tuntutan Own Damage)
Soalan Lazim Mengenai Tuntutan Insurans Kereta
Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans & Caranya


Renewing Roadtax for Old Motorcycle? Here’s What You Should Know

Do you have an extra motorcycle at home? However, you may not find the right time to use it outside more frequently… That said, it is no surprise that you may have missed out on the expiration date a long time ago.

Please acknowledge that you still need to keep the
road tax
 activated despite not using it frequently. Riding a motorcycle without a valid road tax can land you in trouble!

So, what can you do in this situation? Read on as we share several essential things that you need to do before renewing the roadtax!

Contents =

Inspection at Puspakom
Clear outstanding summons
Renew insurance first
Renew motorcycle road tax without a grant
Know your motorcycle road tax charge

Inspection at Puspakom

Motorcycle road tax has expired for more than 3 years?

You have to inspect your motorcycle at Puspakom before you can proceed with road tax renewal.

Puspakom inspection is essential to guarantee the vehicle’s safety on the road. Examples of the inspection include brake tests and smoke emissions, among others.

Clear outstanding summons

Make sure you clear the outstanding summons.

To your knowledge, your outstanding summons and blacklist records will be reflected in The Road Transport Department (JPJ) and The Royal Malaysia Police (PDRM) database systems. Failure to clear out summons can hinder your road tax renewal process.

You may refer to our previous article to learn how to
check summons online
.

Renew insurance first

Please take note! You need to activate your insurance first before renewing the road tax.

You can purchase the most basic policy (third-party policy) to cover an old motorcycle.

We assure you that insurance renewal for motorcycles is not complicated! Nowadays, there are many platforms available online, including Bjak. Bjak offers a speedy service to renew your road tax and insurance from anywhere you like!

Renew motorcycle road tax without a grant

Yes, you can renew the road tax without the grant. However, you need to ensure your insurance is activated.

There is no problem. So as long as you have renewed the insurance. You do not have to bring the grant to any JPJ branches or post office during renewal. Upon renewal, your information will be updated on the database system.

In brief, you need to provide your insurance policy to renew your road tax. As simple as ABC!

Know your motorcycle road tax charge

The price for motorcycle road tax is fixed anywhere.

However, the service tax imposed may differ from one another, which will cause your road tax renewal to vary.

Therefore, you may compare the service tax across companies before renewing to know your road tax price in total.

As we shared the above points, we are sure that these are a breeze for you! For your convenience, you may renew your road tax and insurance online at Bjak to save your energy and money!

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:

Can You Renew Roadtax with Outstanding Summons?
What Are The Differences Between Car Insurance and Roadtax
Can You Renew Your Expired Roadtax Over 3 Years?
PUSPAKOM Vehicle Inspections: What You Need to Know


Cukai Jalan JPJ – Tempoh Renew Roadtax Motor

Setiap pemilik motosikal di negara ini wajib untuk memiliki tiga dokumen atau perkara penting ini sepanjang masa iaitu lesen memandu kelas B2, insurans motosikal serta
cukai jalan
. Berbeza dengan lesen memandu yang boleh diperbaharui untuk tempoh sehingga 5 tahun terus, berapakah pula tempoh atau jangka masa yang diberikan kepada anda untuk pembaharuan
cukai jalan JPJ
?

Untuk yang baru pertama kali memiliki motosikal, anda mungkin belum tahu tempoh sebenar renew cukai jalan. Adakah boleh juga renew sehingga untuk tempoh 5 tahun seperti lesen memandu ataupun tidak?

Jom teruskan membaca perkongsian pada artikel ini untuk mengetahuinya.

Contents =

Berapa lama tempoh renew cukai jalan JPJ motosikal?
Mana lebih baik? Renew cukai jalan 6 bulan atau 1 tahun?
Nak renew roadtax motor untuk tempoh 2 tahun, boleh ke?
Apa jadi jika saya terlupa renew roadtax?
Saman
Masalah ketika ingin buat tuntutan insurans
Pastikan cukai jalan diperbaharui ikut tempoh ditetapkan

Berapa lama tempoh renew cukai jalan JPJ motosikal?

Penting untuk anda tahu berapa lama cukai jalan anda boleh diperbaharui agar anda boleh ingat bila ia akan tamat tempoh.

Untuk makluman, sebenarnya anda mempunyai pilihan untuk memperbaharui cukai jalan motosikal bagi tempoh 6 bulan atau 12 bulan (1 tahun).

Insurans tidak boleh ya. Untuk insurans motosikal, anda hanya boleh perbaharuinya untuk tempoh 1 tahun sahaja!

Sebenarnya, selain atas sebab sukarela, ada beberapa keadaan tertentu yang memerlukan
cukai jalan motosikal
diperbaharui bagi tempoh 6 bulan sahaja iaitu:

Pemilik motosikal telah meninggal dunia dan anda sebagai waris ingin renew roadtax bagi membolehkan kenderaan digunakan di atas jalan raya
Tempoh insurans tidak mencukupi tempoh masa roadtax 12 bulan. Keadaan ini biasanya berlaku apabila anda terlupa untuk renew roadtax yang pernah diperbaharui untuk tempoh 6 bulan sebelum ini.

Mana lebih baik? Renew cukai jalan 6 bulan atau 1 tahun?

Sebenarnya, jika anda bukan berada di dalam kategori yang diwajibkan untuk renew cukai jalan JPJ selama 6 bulan, maka sebaiknya anda renew sahajalah bagi tempoh 1 tahun terus. Bukan apa. Tempoh 6 bulan tu sebenarnya singkat sahaja. Apabila ia tamat tempoh, kemudian anda kena renew untuk tempoh 6 bulan lagi. Agak melecehkan, bukan?

Bahkan pula, harga roadtax motosikal tidaklah begitu mahal sebenarnya lebih-lebih lagi jika kapasiti enjin motosikal anda 150cc ke bawah.

Anda boleh lihat jadual di bawah untuk tahu harga cukai jalan JPJ bagi motosikal:

Nak renew roadtax motor untuk tempoh 2 tahun, boleh ke?

Seperti yang dinyatakan tadi, tempoh untuk pembaharuan roadtax hanyalah 6 bulan atau 1 tahun sahaja. Jadi, jika anda bercadang untuk panjangkan tempoh renew roadtax sehingga 2 tahun atau bahkan 1 tahun setengah sekalipun, jawapannya tetap tidak boleh!

Ketetapan ini telah ditetapkan oleh JPJ sendiri. Maksimum 1 tahun, minimum 6 bulan. Jadi, sila ikut sahaja peraturan yang ditetapkan ya.

Apa jadi jika saya terlupa renew roadtax?

Saman

Akibat yang paling jelas sudah tentulah
denda
 yang bakal dikenakan terhadap anda oleh pihak berkuasa polis atau JPJ. Biasanya saman sebanyak RM150 akan dikenakan jika anda dikesan menunggang motosikal tanpa roadtax yang masih aktif. Berbanding mengeluarkan wang untuk membayar saman, sebaiknya anda memperbaharui roadtax dan insurans anda yang pastinya lebih selamat dan menenangkan hati anda sepanjang perjalanan.

Masalah ketika ingin buat tuntutan insurans

Selain saman, anda juga akan mengalami kesulitan khususnya ketika ingin membuat tuntutan insurans jika roadtax telah tamat tempoh dan tidak diperbaharui. Ingat, antara kumpulan yang paling berisiko untuk terlibat dalam kemalangan jalan raya adalah penunggang motosikal ya.

Apabila berlaku kemalangan dalam tempoh itu (roadtax tamat tempoh), anda tidak akan boleh membuat tuntutan insurans bagi menanggung kerugian yang dialami oleh anda. Rugi kan?

Kenapa ada yang tidak renew cukai jalan JPJ?

Meskipun sudah banyak kali diingatkan, ramai pemilik motosikal sebenarnya masih berani menunggang motor tanpa ada roadtax yang sah.

Antara punca cukai jalan enggan diperbaharui adalah kerana:

Menganggap motor tersebut sangat jarang digunakan
Hanya digunakan ke surau, kedai berhampiran sahaja
Tidak mempunyai bajet yang mencukupi (kerana perlu renew insurans dulu baru roadtax)
Mempunyai banyak tunggakan saman
Tidak menggunakan kenderaan tersebut, contohnya motosikal sudah lama
Roadtax telah tamat tempoh lebih 3 tahun dan kenderaan perlu melalui pemeriksaan Puspakom

Pastikan cukai jalan diperbaharui ikut tempoh ditetapkan

Sebagai pemilik kenderaan, sila pastikan anda mengikut segala peraturan yang telah ditetapkan. Ia bukan sahaja untuk mengelakkan anda daripada dikenakan saman, bahkan juga demi kepentingan dan kesenangan anda sendiri.

Renew sahaja roadtax untuk tempoh 6 bulan jika bajet anda tidak cukup untuk renew bagi tempoh 1 tahun. Bagaimanapun, pastikan insurans motosikal anda masih aktif dan telah diperbaharui terlebih dahulu ya!

Ingat, jadilah pemilik kenderaan yang bertanggungjawab sepanjang masa.

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

Renew Online

Baca juga:

Soalan Lazim Mengenai Insurans Motosikal di Malaysia
4 Sebab Kenapa Pemilik Motosikal Perlu Ada Insurans
Cara Claim Insurans Motosikal Dicuri


Important Car Insurance Terms You Should Know

As a car owner, your annual routine includes renewing your car insurance. In the process, you may come across insurance terms or jargon that you do not quite understand. Do not let them slide as you must understand at least some of the key insurance terms to ensure that you choose the right coverage.

Besides, as insurance renewal involves your hard-earned money, it only makes sense that you know what you are paying for. To help you understand your insurance policy better, these are a few important
auto insurance
 terms that you should know.

Contents =

Premium
No Claim Discount (NCD)
Additional coverages
Market value and agreed value
Market value
Agreed value
Excess
Betterment
Loading
Understand key insurance terms to ensure sufficient coverage

Premium

Your car insurance premium is the payment you make to your car insurance provider in exchange for coverage.

Example:
 You purchase
comprehensive insurance
 from your insurer. To enjoy the coverage, you have to pay a premium of RM1,000.

For your information, motor premiums were previously tariffed by Bank Negara Malaysia (BNM). This means that motor premiums by all insurers in Malaysia were standardised by BNM, primarily based on the sum insured and model of the vehicle.

However, since July 1, 2017, motor tariffs for Motor Comprehensive and Motor Third Party, Fire and Theft products have been liberalised. Motor premiums for the products have been determined by individual insurers and takaful operators. Following this motor tariff liberalisation, insurers have taken into account more factors to determine motor insurance premiums. The factors include the driving record, car usage, location of residence, occupation, age and vehicle safety features. To consumers, this means that they can enjoy more options as insurers offer different premiums as well as coverages.

No Claim Discount (NCD)

No Claim Discount (NCD) is a reward scheme for you if you make no claim on your insurance policy on an annual basis. NCD plays a significant role in determining the premium or amount you have to pay to your insurer.

Example:
Your insurance premium is RM1,000. But after your NCD deduction of 55%, you only have to pay RM550 for your insurance premium.

For your information, the NCD rates for private cars range from 25% to a maximum of 55%. Note that if you claim your insurance policy where you are at fault, your NCD rate will return to 0%. This will therefore increase your insurance premium for the following year.

Refer to our visual below for the NCD rates for private cars in Malaysia.

Additional coverages

Additional coverage or optional coverage is any coverage that is not part of your insurance policy ‘package.’ To enjoy what your insurance does not cover, you will have to purchase additional coverage at an additional premium.

Example: A standard motor comprehensive insurance does not cover your additional car accessories. So if you wish to protect your additional accessories such as customised sport rims, you will have to purchase a car accessories cover.

There are a number of additional car insurance coverages that you can get when you buy your insurance. They include:

Windscreen coverage
Special perils (natural disasters) coverage
Additional driver coverage
All drivers coverage
Car accessories coverage
Coverage for riots
Legal Liability to Passengers
Legal Liability of Passengers
Compensation for assessed repair time (CART)
Waiver of betterment cost
Personal accident coverage
E-hailing insurance coverage
Unlimited towing service coverage

You may purchase any of the additional coverages according to your needs and risk assessment. Some of the common add-ons are as illustrated in our visual below.

Market value and agreed value

The sum insured or the amount of coverage for your car insurance is determined by either the market value or the agreed value of your car.

Market value

Market value is the value of your car based on its current market price. Your car market value typically depends on your car brand, model and manufacture year.

Example:
 Assume that the
market value
 of your car is RM45,000. If you choose the market value as the sum insured,
the compensation you will get in the event that your car is considered a total loss or stolen will be based on the market value of your car at the time of the accident
. As car market value depreciates every year, your compensation will likely be lower than RM45,000, in this case.

Agreed value

A
greed value refers to the amount decided by you and your insurance company at the time of insurance renewal. The agreed value remains unchanged despite the decrease in your car market value.

Example:
 Assume that the sum insured for your car is an
 agreed value
 of RM45,000. You will get compensation of RM45,000 if your car is considered a total loss or stolen. The amount remains even though your car market value is lower when you make the claim.

Refer to our visual below for the key difference between a market value and an agreed value.

Excess

Excess refers to the first payment that you need to make whenever you make a claim on your insurance policy, even when you are not at fault. However, note that the excess does not apply to loss or damage caused by fire, explosion,
lightning, burglary, housebreaking, theft, third party property damage or bodily injury claims.

Example:
 Kamal’s insurance policy includes an excess of RM500. One day, Kamal’s car runs into an accident and has to be sent to a workshop for repair that amounted to RM4,000. Given that the excess stipulated in his car insurance policy is RM500, Kamal has to first pay RM500 while his insurer will bear the remaining RM3,500.

Besides, you should also be aware of these two types of excess which are
compulsory excess
 and
voluntary excess
 as explained below.

Compulsory excess

For a compulsory excess, before you can make an insurance claim, you will have to bear an additional excess of RM400 if you or the person driving your car with your consent:
• is under 21 years old;
• holds a Provisional (P) or Learner (L) driver’s licence; or
• is not a named driver in your insurance policy

Voluntary excess

Voluntary excess is how much you choose to pay on top of any excess for all claims and compulsory excess. Some insurers allow you to increase your voluntary excess so you can enjoy a lower premium. Some of the factors that require you to pay a voluntary excess are your vehicle age and the risk of car theft.

The amount of voluntary excess depends on how much you are willing to pay, within a certain range. For example, Zurich Takaful lets its participants choose from RM500 to RM5,000 as a voluntary excess.

Betterment

Betterment refers to a portion of the cost that you have to pay to replace a damaged vehicle part with a brand new original part.

Example:
 You hit a tree that damages the rear bumper beyond repair. As you then get a new and original bumper, you will have to pay an additional charge or betterment cost for the new part.

For your information, you can waive betterment costs by purchasing a waiver of betterment cost as additional coverage.

Loading

Loading

refers to an additional charge imposed on the base premium based on insurers’ risk assessment.

Insurance companies impose different percentages of loading typically ranging between 15% to 35%. Some of the factors that affect a loading charge are the policyholder’s age, driving record, claim history as well as vehicle engine capacity and age. Loading is in place so that the coverage provided commensurates with the risk borne by insurers.

Example:
 Assume that you purchase third party insurance for your 15-year-old car. Given your old vehicle has a higher risk, you have to pay a loading fee of 15% on top of your premium.

Understand key insurance terms to ensure sufficient coverage

We have shared some of the important car insurance terms that you need to be aware of. For instance, knowing what “excess” means is important so you do not get shocked when you are asked to pay an excess when you make an insurance claim.

For more information about car insurance, you can always reach out to friendly and professional insurance experts at Bjak, for free. Besides, you can also get free
car insurance quotes
 online for up to 15 insurance brands in Malaysia. Visit Bjak.my today to get your free quotations.

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

Get Free Quote

Read more:

FAQs About Car Insurance Deductible
Tokio Marine Enhanced Coverage With AutoPro
Renew Car Insurance With ShopBack PayLater


Car Fire: Common Causes and How to Prevent It

Thousands of car fires happen in Malaysia each year. A car may catch fire due to many reasons.

Read on as we share the common factors contributing to car fires, preventive measures, and what to do if your car catches fire.

Contents =

Factors contributing to car fires
Fuel system leakage
Engine overheating
Car accessories
Impact of a car accident
Flammable items
What to do during a car fire
How to prevent car fires
Can you make an insurance claim for car fire damage?
Steps to claim for car fire damage
Get adequate insurance for your car

Factors contributing to car fires

Fuel system leakage

Fuel system leakage is usually cited as the most common cause of car fires in Malaysia.

While fuel materials such as gasoline and diesel are vital necessities to run a car, they are highly flammable. Note that a simple gas leak can easily lead to a fire or explosion.

This can occur if the gasoline comes in contact with a heat source, such as a spark or a very hot surface.

These are two situations that could cause a car fire:

Not working or damaged fuel systems
Connection and fuel injection systems leakage

Engine overheating

Engine overheating
 can cause a wide range of problems. One of the most severe problems it can cause is a car fire. Engine overheating is more prone to happen to old or poorly maintained vehicles.

Engine overheating occurs due to cooling system failures, like a radiator leakage or damage to the radiator and water pump. When your car engine overheats, it can cause one of its many flammable fluids to ignite and start a fire.

Car accessories

Improper car accessories installation, such as improper dashcam installation can cause a short circuit and losses to the vehicle owner if the vehicle catches fire.

Other than that, the use of non-genuine accessories may also cause vehicle fires.

Impact of a car accident

Most vehicles are equipped with a crumple zone that protects important vehicle interiors such as fuel tanks. A crumple zone helps absorb impact energy during a collision so that most of the energy is dissipated across the zone.

A minor fender bender will not cause a leak or fire, so you do not have to worry.

However, a severe collision can sever the crumple zone, damaging other car components such as the battery and alternator and triggering a car fire.

The massive impact will cause fuel and fluid systems to leak. Meanwhile, friction or electrical damage can cause a spark, igniting the fluids and triggering a car fire.

Flammable items

Many vehicle owners prefer to leave some of their belongings in the car. However, some items are risky to be kept in a car as they can cause a fire. Some of the risky items are:

Plastic bottles

It may seem simple but leaving a plastic water bottle in your car is risky.

A plastic bottle filled with water can magnify the intensity of direct sunlight and produce enough heat to start a fire.

Lighters

Lighters can cause fires if left exposed to a high temperature in a car. The heat accumulated in the vehicle can lead to an explosion of the small plastic tubes and potentially pose a fire risk.

What to do during a car fire

If you detect a cloud of smoke from your car hood or smell burning rubber or plastic, please remain calm and safely pull over as soon as possible and do the following:

Turn off your car engine.
Get everyone out of the car and stay at least 100 feet away from the car.
Do not open the hood as flames could flare up.
Immediately call 999.
Do not go back to your car to fetch anything. Wait for the rescue team to arrive.

How to prevent car fires

Prevention is always better than cure. Follow the measures below to avoid car fires:

Get a
fire extinguisher
 for your car and keep it near the driver’s seat.
Do not smoke inside the car. It can lead to fire as the interior of the car contains plastic and other materials which can easily catch fire.
Ensure scheduled car maintenance and annual inspection.
Be careful with gasoline.
Switch off the engine when refuelling the car.

Can you make an insurance claim for car fire damage?

Can you make an car insurance claim if your car is damaged due to a fire
? The answer is yes. However, it is subject to your policy type.

You can only make a car insurance claim due to accidental fire if you have a
comprehensive policy
 or
third party, fire and theft policy
.

Note that you are not eligible to make a claim if you only purchase a
third party policy
.

Steps to claim for car fire damage

You may follow these steps if you are eligible to make an
insurance claim
 for car fire damage:

Take photos of your damaged or burnt car due to the fire.
Lodge a police report within 24 hours.
Provide the required documents for claims processes including the original copy of police report, insurance policy, a copy of your identity card and driving license.
Your insurance company will investigate your case.
Wait for the report from the police, fire department, and insurance company.

Get adequate insurance for your car

As mentioned in the beginning, thousands of car fires happen in Malaysia each year. So, car fires are relatively common.

Therefore, ensure that you protect your car with sufficient coverage, so you will be able to make an insurance claim if your car catches fire. We certainly hope you will not experience such a hazardous situation, but prepare for any possibility.

Visit Bjak, one of the largest insurance comparison sites in Malaysia, for wider options of insurance brands. You can get up to 15
car insurance quotes for free
 in just 3 minutes.


TERKINI! Lesen Memandu Boleh Diperbaharui Untuk Tempoh 10 Tahun

Sebagai pemilik kenderaan, anda pasti sudah sedia maklum bahawa selain
insurans kereta
 dan
roadtax
 yang perlu diaktifkan semula pada setiap tahun, anda juga diwajibkan untuk memperbaharui lesen memandu sebelum ia tamat tempoh.

Jika sebelum ini orang ramai dihadkan untuk perbaharui lesen memandu sehingga tempoh 5 tahun sahaja, kini tidak lagi ya!

Contents =

Tempoh renew lesen memandu dipanjangkan
Kebenaran khas pembaharuan LMM tamat tempoh
Urusan hanya di kaunter JPJ sahaja

Tempoh renew lesen memandu dipanjangkan

Berita baik untuk anda!

Bermula 8 Mei ini, Lesen Memandu Malaysia (LMM) boleh diperbaharui untuk tempoh maksimum 10 tahun di pejabat atau kaunter Jabatan Pengangkutan Jalan (JPJ).

Menerusi pengumuman yang dibuat oleh Menteri Pengangkutan, Anthony Loke hari ini, perkara itu merupakan antara dua inisiatif pembaharuan LMM yang dilaksanakan kementeriannya.

Katanya, mana-mana individu yang berhasrat untuk perbaharui lesen memandu bagi tempoh 10 tahun sekali gus hanya akan dikenakan bayaran bagi tempoh sembilan tahun sahaja.

“Maksudnya ada diskaun 10 peratus. Untuk makluman, bayaran lesen memandu adalah RM30 setahun. Jikalau membayar 10 tahun sekali gus bayaran yang akan dikenakan adalah RM270, penjimatan RM30.

“Bagi orang ramai yang berminat, mereka hendaklah memastikan baki tempoh sah laku LMM semasa adalah tidak melebihi satu tahun,” jelasnya dalam satu sidang media hari ini.

Namun katanya, orang ramai juga masih dibenarkan untuk memperbaharui lesen memandu mereka di antara tempoh 1 sehingga 10 tahun.

Loke dalam pada itu menjelaskan bahawa inisiatif tersebut adalah untuk warganegara Malaysia sahaja dan tidak terpakai kepada warganegara asing.

Kebenaran khas pembaharuan LMM tamat tempoh

Dalam sidang media yang sama, Loke turut mengumumkan inisiatif kedua yang dibuat Kementerian Pengangkutan, iaitu kebenaran khas pembaharuan LMM tamat tempoh.

Katanya menerusi inisiatif itu, kementeriannya akan memberi kebenaran khas kepada mana-mana pemegang LMM yang telah tamat tempoh sah laku untuk memperbaharui LMM masing-masing tanpa perlu menjalani semula ujian.

“Namun, kebenaran khas ini hanya terhad kepada LMM yang mana tempoh sah laku telah tamat mulai 1 Januari 2018 dan ke hadapan sahaja.

“Tempoh kebenaran khas ini hanya berkuatkuasa sehingga 31 Disember 2023 sahaja. Peraturan sedia ada akan berkuat kuasa semula pada 1 Januari 2024,” jelasnya.

Untuk makluman anda, ketika ini dasar sedia ada menetapkan jika lesen memandu sudah tamat tempoh melebihi tiga tahun, maka individu tersebut tidak boleh memperbaharui lagi lesennya dan ujian semula perlu diambil.

Inisiatif kedua ini dilakukan selepas mengambil kira Perintah Kawalan Pergerakan (PKP) di sepanjang pandemik COVID-19 serta kekangan dihadapi rakyat Malaysia di luar negara yang tidak dapat memperbaharui LMM masing-masing kerana tidak berpeluang untuk pulang ke tanah air.

Namun begitu jelas Loke, inisiatif dan kebenaran khas ini hanya boleh dinikmati oleh pemegang LMM yang bebas daripada sebarang sekatan urus niaga JPJ dan tidak disenarai hitam Polis Diraja Malaysia (PDRM). Selain itu, individu tersebut juga perlu  bebas daripada sebarang penggantungan akibat suatu hukuman atau Perintah Mahkamah.

Urusan hanya di kaunter JPJ sahaja

Sebagai makluman tambahan, kedua-dua inisiatif yang baru diumumkan itu hanya boleh dilakukan di pejabat atau kaunter JPJ sahaja buat masa ini.

Manakala, pelaksanaan urus niaga terbabit melalui platform disediakan oleh rakan niaga JPJ seperti Pos Malaysia akan tertakluk kepada kesediaan perubahan sistem oleh pihak berkenaan.

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:

Cara Renew Lesen Memandu
Soalan Lazim Mengenai Lesen Memandu


Car Insurance: Should You Get Legal Liability to Passengers Coverage?

Imagine giving a ride to your colleague from the workplace to her home one evening. As luck would have it, you accidentally hit a car on the way to send her home. As a result of the strong collision, your friend sustains a severe head injury. Even if the incident is unintentional, your friend could take legal action against you because of your driving negligence.

The question is, will your car insurance cover the costs claimed by your friend for her injury?

In order to answer that question, let us understand the legal liability to passengers’ coverage.

Contents =

Definition of legal liability to passengers’ coverage
Exclusions under legal liability to passengers’ coverage
Is it compulsory to get this coverage?
How much do you have to pay for this coverage?
Can you make a claim if you carry passengers beyond the maximum limit?
What are the differences between legal liability to passengers coverage (LLP) and legal liability of passengers coverage (LLOP)?
Get the best car insurance coverage

Definition of legal liability to passengers’ coverage

Before we go any further, you need to know that
legal liability to passengers’ coverage is not included in a basic
car insurance policy
. This is true regardless of whether you take
comprehensive insurance
, third-party, fire and theft insurance or
3rd party insurance
. You will need to obtain this additional coverage separately with an additional premium payment.

But what is a legal liability to passengers’ coverage?

Legal liability to passengers coverage refers to limited coverage to you or the authorised driver from any legal liability for death or bodily injury of a passenger due to your or the authorised driver’s negligence.

If you have this additional coverage, your insurance will cover the loss of your or the authorised driver’s liability against any passengers carried in your car while boarding, entering or disembarking from it.

Based on the situation in the first paragraph, see the example below to understand how this coverage can benefit you.

Example:
 Your friend who suffers a serious head injury due to your driving negligence decides to take legal action against you. You are guilty and therefore have to pay the losses to the passenger. If you have a legal liability to passengers coverage, your insurance will cover the losses incurred due to

this liability.
Without this additional coverage, you will have to pay for the losses out of your own pocket.

Exclusions under legal liability to passengers’ coverage

For your information, this coverage does not cover all situations.

The insurer does not bear the cost of loss in the following situations
:

Death or bodily injury to any
passenger being carried for hire or reward
;
Death or bodily injury to any person where such death or injury arises out of and in the course of the employment of such person by You or Your Authorised Driver;
Damage to property belonging to or in the custody of or control of or held in trust by You or Your Authorised Driver and/or any member of Your or Your Authorised Driver’s Household;
Liability to any person who is a member of Your and/or Your Authorised Driver’s Household who is a passenger in Your Car unless he/she is required to be carried in or on Your Car by reason of or in pursuance of his/her contract of employment with You or Your Authorised Driver and/or his/her employer;
Liability caused by a passenger travelling in or alighting from Your Car;
Any claims brought against You by any driver of Your Car, whether authorised or not;
Any claims brought against any person in any country in courts outside Malaysia, Singapore or Brunei; and/or;
All legal costs and expenses which are not incurred in or recoverable in Malaysia, Singapore and Brunei.

For more information, you can
refer to your car insurance policy to find out the exclusions for this additional coverage and the terms and conditions
.

Is it compulsory to get this coverage?

In Malaysia, it is not compulsory for you to obtain this coverage.

However,
if you want to drive your car in Singapore, you are required by Singapore’s law to have a legal liability to passengers coverage.

How much do you have to pay for this coverage?

Basically, the cost of getting this additional coverage is 25% of what you pay as a premium for a basic third-party insurance policy.

Can you make a claim if you carry passengers beyond the maximum limit?

Suppose you carry passengers beyond the maximum limit at the time of the incident. In that case, the liability incurred by your insurance will be limited to the number of passengers specified for the vehicle registered with the Road Transport Department (JPJ).

Therefore,
if you carry passengers beyond the passenger limit and run into an accident, your insurance will not pay the claim in full
. Instead, your insurance will divide claims made under legal liability to passengers’ coverage according to the formula below:

What are the differences between legal liability to passengers coverage (LLP) and legal liability of passengers coverage (LLOP)?

Do not confuse the two additional coverages mentioned above. The following are the differences between the two coverages in terms of their meanings, examples and premiums:

Coverage type
Legal liability to passengers coverage (LLP)
Legal liability of passengers coverage (LLOP)
Meaning
This cover protects you or the authorised driver from legal liability taken against you for the death or bodily injury of a passenger due to
 your or your authorised driver’s driving negligence
This coverage protects you from legal liability taken by a third party for
negligence committed by your passengers
Example
The car you drive runs into an accident that injures your passenger. If the passenger can prove your negligence causes the accident, they can sue you.
This cover protects you from the risk mentioned by paying the cost of losses incurred as a result of this liability
Without looking back, your car passenger opens the car door and injures a motorcyclist passing by your car. You can be sued for damaging the rider’s property and injuring the rider.
This cover protects you from such liability
Premium
25% of the premium for a basic third-party insurance policy
RM 7.50 per vehicle

Get the best car insurance coverage

In conclusion, legal liability to passengers coverage protects you or the authorised driver from legal liability taken against you by any of your passengers for injury or death resulting from your or your authorised driver’s negligence. By having this coverage, your insurance will cover the losses due to such liability, limited to the situations covered.

Although this cover is not mandatory in Malaysia, you must get this cover if you wish to drive in Singapore.

If you would like to get legal liability to passengers coverage or other additional car insurance coverages, simply
renew your insurance
 at Bjak and add the coverage needed to your policy. Start by getting car insurance quotes on Bjak’s website for free.

Get A Quote

Read more:

Additional Coverages For Car Insurance
All Drivers Coverage: Do You Need It?
Car Insurance Guide In Malaysia


Travel Insurance For Bus: What Is It And Why You Need One?

When we talk about
travel insurance
, we often associate it with domestic or international flight trips. But what about local bus trips? Have you ever considered purchasing a comprehensive insurance plan when travelling on a bus?

Unless you’re a frequent traveller, you probably don’t know that travel insurance can also be bought for bus trips. In this article, we’ll discuss travel insurance for bus trips and why you should get one the next time you plan to travel by bus.

Contents =

What is bus travel insurance?
What is covered in it?
Why you should get one?

What is bus travel insurance?

In simple terms, bus travel insurance is a form of financial protection for passengers who travel by bus. It is similar to the insurance you’d purchase when booking a flight trip. You pay a certain fee to reimburse losses that may arise from a potential event during your trip.

What is covered in it?

Bus travel insurance is quite similar to that of flight. Passengers will be compensated for various things such as death, injuries, medical expenses, unexpected travel delays, damage to luggage and more. A comprehensive insurance plan includes but is not limited to the items listed below:

Accidental Death & Permanent Disablement
Accidental Medical Expenses
Hospital Allowance
Travel/Bus Delay
Damage or Loss of Baggage
Trip Cancellation
Hijacking & Looting

Why you should get one?

Bus travel insurance is often overlooked. Although many people don’t consider getting it when travelling by bus, it is important. Since bus trips during bad weather can be dangerous, taking one can protect you and your belongings if anything happens.

The media frequently report accidents involving express buses in Malaysia all year round. This happens mainly due to reckless driving, negligence of drivers, and poor road conditions. Today, taking insurance for bus trips is ever so important, especially for long-distance journeys.

Similar to taking flights, bus trips, too, have inevitable risks. So, getting protection before you start travelling is always a good idea.

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:

Why Do You Need Domestic Travel Insurance?
Compare The Best Travel Insurance In Malaysia
Car Insurance Add-Ons: Types of Extra Protection


Roadblock Ahead? Here’s What You Should Do

As you drive, your road map warns you of a police roadblock less than one kilometer away. It is probably just police officers may be on duty to examine for traffic. However, it may appeal to be intriguing and worrying for some despite not doing anything wrong. Yes, we know that!

Roadblocks can be set up anytime and anywhere. You may run into one on the highway or even on an unfamiliar road where you would least expect it to be.

So, don’t be nervous. Calm down, and overcome your fear with our tips!

Contents =

What should you do at a roadblock?
Prepare your documents
Slow down your vehicle and stop if required
Worry less, stay calm
Don’t worry if you do not commit any traffic offence

What should you do at a roadblock?

First and foremost, do not play with your cell phone! It is an offence to use a cell phone during driving.

As you wait in line at a roadblock, stay away from your cell phone if you do not wish to get into trouble. By trouble, we mean summons!

Other than that, the followings are other tips that you can use!

Prepare your documents

Make sure to check your documents before you hit the road. As a legal driver, you are required to own a valid driving licence and road tax as well. If you have neither of these two, then know that you are in trouble.

Whoever is caught driving without a valid driving licence and road tax will be liable for fines between RM300 – RM2000. You do not want to waste your money on that!

Other than that, please stick your road tax sticker properly. Make sure it is not crooked on either side!

Slow down your vehicle and stop if required

Stopping at the roadblock may take time. However, do not speed and abide by the law. Slow down your car near the roadblock area. Do not overtake the lane and wait for your turn.

During the inspection, roll down the window and turn on the light (at night) to facilitate the police officer checking your car.

Park your car on the roadside if you are asked to do so and wait for further instructions if there is any.

Worry less, stay calm

Your facial expression can display personal emotions within a social situation. Do not appear too worried. Breathe in and relax. Just answer any questions addressed to you.

Please bear in mind that the police officer will not do any harm to you if you are not guilty. So what is there to worry about so much?

Don’t worry if you do not commit any traffic offence

The followings are the offences that can lead to a summons.

Not renewing road tax and insurance
Do not possess a valid roadtax
Unlawful car modification such as fancy plat numbers, exceeding maximum window tint

You may refer to our previous article to learn more about the
regulation of the use of car window tints according to the JPJ
.

If you do not commit any of the offences, do not worry about getting a summons!

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

Also read:

7 Major Offences Causing Road Accidents
6 Traffic Offences That You May Have Overlooked


Road Sign Boards in Malaysia: What Do They Mean?

You are on the road every day to drive to the office, malls, markets, and other places. You may have seen sign boards along the road.

However, have you noticed how some road signs on a roadside differ from one another? You may find the differences in shape, font size, colour, placement, and symbol.

The differences carry different purposes for road users’ facilities.

Contents =

What do these Malaysian sign boards mean?
Meaning of road signs in Malaysia
Blue sign board
Federal roads
State roads
Green sign boards
‘E” code sign boards
Sign boards with yellow lettering
Sign boards with white lettering
Sign boards with white lettering on maroon background
Sign boards with orange lettering on green background
The arrangement of destinations on sign boards

What do these Malaysian sign boards mean?

The purpose of road signs alongside the road is to display information to road users. You can find most road signs placed or hung in an easily accessible and safe area.

In this article, Bjak will share more about the meaning of road signs in Malaysia to enhance our understanding.

Meaning of road signs in Malaysia

The followings are the types of road signs in Malaysia that you should know:

Blue sign board

Blue traffic signboards represent non-tolled federal, state, and municipal roads.

Federal roads

Federal roads are labelled with numbers.

Digit
Penjelasan
001 – 249
Main federal route number
250 – 479
Institutional facilities federal routes
EXIT 1 – EXIT 99
EXIT 201 – EXIT 299
Federal road exit numbers
1-1 – 1-59
3-1 – 3-99
Main federal route numbers (Sarawak)
A01 – A99
Main federal route numbers (Sabah)
700 – 799
Main federal route numbers (Labuan)
1000 – 1999
2000 – 2999
 FELDA/FELCRA federal route number
3000 – 3999
Industrial federal route numbers

State roads

The state road system uses a letter of the alphabet for its route number.

A- Perak

B- Selangor

C- Pahang

D- Kelantan

J- Johor

K- Kedah

M- Melaka

N- Negeri Sembilan

P- Pulau Pinang

R- Perlis

SA- Sabah

T- Terengganu

Green sign boards

Green traffic signboards represent toll expressways or highways. It is used for the Malaysian Highway System.

‘E” code sign boards

The letter ‘E’ is an abbreviation for an expressway. It is only known as highways.

Sign boards with yellow lettering

Yellow lettering indicates the
road name
.

Sign boards with white lettering

White lettering indicates the
name of the town or area
.

Sign boards with white lettering on maroon background

This signboard indicates the place as a
tourist attraction
.

Sign boards with orange lettering on green background

This signboard indicates
government institutions
.

The arrangement of destinations on sign boards

Destinations on signboards are placed according to the distance.

The furthest location is placed at the bottom. Meanwhile, the nearest location is placed at the top.

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

Get A Quote

Baca juga:

Tips Keselamatan Memandu Ketika Hujan Lebat
Kenderaan Langgar Haiwan Liar? Ini Yang Anda Kena Tahu
Claim Insurans Kemalangan: Kereta Terlanggar Divider, Bolehkah Buat Tuntutan?


汽车上的10种灯，你用对了吗？

很多开车人士其实并不清楚如何正确使用车灯，汽车灯光除了用于照明，还是司机与司机之间交流的重要工具，起到提醒与警示的作用。灯光的使用与安全行车有着直接的关系，所以了解和正确使用车灯尤为重要。

汽车灯光有很多种，每种车灯都有不同的用途，正确使用车灯有利于行车安全，如果车灯使用不当就容易造成危险，引起交通意外，甚至危害到开车人士及其他道路使用者的生命安全。

Contents =

车灯的类型与功能
汽车大灯
尾灯
刹车灯
日间照明灯
转向灯
雾灯
示宽灯/小灯
倒车灯
双闪灯
车内照明灯
正确使用车灯
非法改装或故障 当心坐牢或罚款
氙气车灯
刹车灯故障
做一个负责任的道路使用者

车灯的类型与功能

汽车大灯

汽车大灯，也叫汽车照明灯，主要用于夜间照明。汽车大灯包括近光灯和远光灯，都是用来照亮前方道路，区别只是一个照射的近，一个照射的比较远。通常情况下，近光灯的照射距离约30-40米，照射范围大约160°，远光灯则光线较为集中，亮点大，可以照射到更高更远的地方。

近光灯：在夜间正常驾驶时使用，不会使其他驾驶员眼花缭乱。
远光灯：仅在黑暗中使用，并且在您的路线或对面路线上前方没有其他车辆时使用。如果在前方有车辆时使用远光灯会干扰其他道路使用者的视线。

尾灯

尾灯将发出红光，并在前灯打开时亮起。就像汽车大灯一样，汽车的尾灯可以帮助后面的道路使用者在黑暗中确认前方车辆的存在。

此外，尾灯还可以让开车人士与前车保持合适的安全距离，以免发生意外事故。

刹车灯

与汽车尾灯不同的是，刹车灯仅在踩刹车时才会亮起，通常为红色。

刹车灯可作为警示标志，以提醒后方车辆您的车辆正在减速或想要停车，因此，开车人士务必确保刹车灯随时都处于良好的状态。

日间照明灯

日间照明灯是白天行车时开启的一种灯光，其主要作用是提高车辆在白天的辨识度，它通常会在启动汽车引擎后自动开启。

这种灯并不能取代汽车大灯的功能，它存在的主要目的是提高行驶中车辆的可视性，让其他道路使用者更容易看到您的车辆，尤其是在汽车大灯未亮起时。

转向灯

转向灯位于汽车大灯和尾灯旁边，是车辆在转弯或变道时给其他车辆及行人有提醒功能的警示灯。转向灯开启时会不停地闪烁，以引起对方的注意，以免发生事故。

转向灯是开车人士最常使用到的灯光，它可以明确提示周围车辆您即将行驶的方向。在超车、变道、掉头、靠边停车、进入高速时应提前10-20秒的时刻打灯，以便给后面的道路使用者有足够的反应时间。

开车需要变道时一定要开启转向灯
，但不少道路使用者却不愿意开灯示意，这样的驾驶习惯很容易出意外，让后方车辆无法临时减速而直接撞上来。

另外，很多驾驶者以为开启了转向灯就可以直接变换车道，别的道路使用者就一定得让路，然而，就算开启了转向灯，也得先确保后方的车子处于安全车距的情况，才可以变换车道，否则也很容易导致意外发生。

雾灯

雾灯是在雨雾天气时开启的车灯，它具有在雾中穿透性强，识别度高的特点，有警示和减低意外事故发生的几率。雾灯不能当照明灯来使用，在能见度高的情况下使用雾灯，其恶劣程度等同于滥用远光灯，会影响其他道路使用者的视线。

只有在雨雾天气，能见度比较低的情况下才使用雾灯。

示宽灯/小灯

示宽灯的作用是在夜间显示出车身宽度和长度，以便车辆在会车或超车时判断出彼此的相对位置以及车辆体积，正常的示宽灯前白后红，一般安装在汽车前后、两侧的边缘位置。

倒车灯

倒车灯跟刹车灯都装在车尾，但刹车灯是红色的，倒车灯是白色的，它的主要作用是照亮车后面的路，方便倒车视野，并且跟刹车灯一样，能够起到一定的警示作用。

双闪灯

双闪灯是汽车上的一个信号灯，主要作用是提醒其他道路使用者注意本车发生了特殊情况，让其他道路使用者及时避让。

作为一个信号灯，双闪灯的使用范围大概是这几种情况：临时停车、车辆发生故障或交通事故、拖车等。

如果您发现前方有危险物品，您也可以打开双闪灯，以“通知”后面的车辆您正在减速。

车内照明灯

车内灯，通常由车内的开车人士或乘客在黑暗中需要时开启。车内灯一般是暗黄色的，这样的亮度才不会干扰开车人士的视线。需要注意的是，请在不需要使用时关闭车内灯，因为它可能会导致您的汽车电池的电量被耗尽。

正确使用车灯

车灯除了在晚上开车时需要开启之外，其实在以下5种情况下也需要开灯，以确保自己的视野清晰，同时提醒他人您的位置，以便减低意外风险。

需要开启车灯的情况：

傍晚及夜晚
起雾时
下雨天或阴天
进隧道
进入地下停车场

非法改装或故障 当心坐牢或罚款

氙气车灯

氙气车灯（或称HID，High Intensity Discharge）也是许多改车爱好者喜欢改装的车灯，这款车灯让视野更清晰，能见度更广，但却非常刺眼，严重影响前方或对向驾驶者的视线，尤其是晚上或雨天，白光散射更加扰乱其他道路使用者的视线。

大马公共健康（Public Health Malaysia）亦曾于其专页脸书上发文指出
，
政府已全面禁止任何交通工具安装氙气车灯
（HID），违例者可被罚款RM2000，或监禁不超过6个月。

大马公共健康（Public Health Malaysia）
发文告促请公众若发现有车辆违例安装白灯，可向陆交局投诉。

刹车灯故障

马来西亚皇家警察（PDRM）较早前于脸书专页发贴文提醒所有司机，
汽车的第三刹车灯（Lampu Brek Ketiga）若故障不亮灯
，司机将在1987年陆路交通法令第119（1）条文下，面临高达2000令吉罚款或监禁不超过6个月。

若重犯则会被判罚款4000令吉或监禁不超过1年，或两者兼施。车主若不重视第三刹车灯的情况，可能对其他公路使用者造成一定的危险，尤其是在夜间，从后面被撞的几率更高。

马来西亚皇家警察于脸书专页发贴文提醒所有司机，汽车的第三刹车灯（Lampu Brek Ketiga）若故障不亮灯，将面临高达2000令吉罚款或监禁不超过6个月。

做一个负责任的道路使用者

 灯光的使用与安全行车有着直接的关系，因此开车人士务必了解及正确使用车灯。无论是白天或晚上，晴天或雨天，驾驶人士都应该打起十二分精神，做一个负责任的道路使用者，为自己的生命负责，同时也为他人着想。

保持道路安全，人人有责
，身为道路使用者，我们应该尽可能保持良好的驾驶态度与驾驶方式，以确保自己和其他道路使用者的安全。

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
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延伸阅读：

改车爱好者必须知道的改车条规
突然换车道致意外 最高罚款1万令吉
您一定要知道的汽车警示灯
晚上开车需要注意的10件事