Expired Driving Licence: Can You Make Accident Insurance Claim?

Can you make an insurance claim if your vehicle was
involved in an accident while your driving licence had expired?

Read this article to learn more about this!

Contents =

Many still drive with expired driving licence
Penalties for driving without a valid license
Can you claim insurance if you get involved in an accident with an expired driving licence?
1. Expired driving licence
2. Do not possess a driving licence
Penalty rate for late renewal of driving license
Get a driving licence
Prices of driving licenses for cars and motorcycles

Many still drive with expired driving licence

The number of traffic offences – driving without valid licences committed in Malaysia has been constantly high.

For example, the majority of summon
ses issued by the Transport Road Department (JPJ) in Negeri Sembilan
 involved the offences of driving without licences or with expired licences.

Despite countless advocacies carried out by the authorities, it deems to have no effect as many still take the matter lightly.  Some still drive without a valid licence and have zero knowledge of the possible consequences.

Penalties for driving without a valid license

Attention to all drivers and potential drivers!

You are liable for fines of RM300 if found
driving without a license
, according to
section 26(1) of the Road Transport Ac
t.

Parents or guardians who allow their underage children to drive a car or ride a motorcycle without a licence
 shall be
held guilty under section 39(5) APJ for a fine of not less than RM2,000
.

Meanwhile, those who drive without valid insurance are liable for penalties under section 90(2) APJ – fines not exceeding RM1,000 and the license can be suspended for 12 months if detained at roadblocks and found guilty.

Can you claim insurance if you get involved in an accident with an expired driving licence?

The punishments and fines given for the above offenses are aimed at curbing the rate of road accidents and ensuring that road users are more responsible towards themselves and others.

However, some may have committed the mistake unintentionally at times.

For example, you forgot to renew your driver’s license and unknowingly drive without a valid licence. Then, an accident occurs during the period that you are driving with an expired licence? What can you do? Can you make an insurance claim?

Continue reading this article for further explanations based on the two situations below:

1. Expired driving licence

Given situation:

Akmal has already possessed a licence since 5 years ago. Recently, Akmal w
as
 involved in a road crash, not knowing that his licence has expired. However, Akmal’s vehicle insurance and roadtax are still not expiring yet.

Based on the situation above, you need to understand:

Akmal has a driving licence
Akmal’s driving licence has expired when the accident takes place (let’s assume that Akmal forgot to renew his licence)
Akmal’s car has valid insurance coverage

In this situation, Akmal is eligible to claim although his driving licence has already expired. Akmal’s insurer will not deny his claim as his vehicle insurance is valid.

According to the law, Akmal is still possessing a valid driving licence. It is just that Akmal ‘forgot’ to renew his licence.

However, Akmal can be compounded a fine of up to RM300, according to Section 26 (1) APJ.

2. Do not possess a driving licence

Given situation:
Gambaran situasi
:

Zack did not have a driver’s license and drove his father’s vehicle illegally. Unfortunately, he was involved in an accident. However, his father’s car has valid insurance coverage.

Based on the situation above, you need to understand:

Zack did not have a driving licence
Zack drove his father’s car and bumped into an accident
His father’s car has valid insurance coverage

In this situation, the insurance company will not entertain any claim application if the accident involves a driver who does not have a licence. The owner has to cover the cost of their vehicle damage.

The vehicle owner will also be compounded for allowing those without a driving licence to drive their car.

Based on these two shared situations above, we conclude that:

An individual is eligible to claim insurance for an accident although their licence has expired
An individual is not eligible to claim insurance for an accident if their car was driven by someone who does not have a driving licence

Penalty rate for late renewal of driving license

To your knowledge, you have to pay a fine if you late renew your driving licence. Please refer to the table below for the fee amount.

Get a driving licence

Please make sure to renew your licence before the expiry date to avoid getting summonsed by the authorities for driving illegally.

Meanwhile, for those who are yet to have a driver’s license, make sure you get your licence in the first place. You will not only trouble yourself if you get caught, but you will also trouble the vehicle owner if anything happens.

Prices of driving licenses for cars and motorcycles

The followings are the estimated prices for motorcycle lincences and car licences.

Note: Please be careful and be sure not to get a
‘Lesen Terbang’ syndicate
 that is clearly wrong in law.

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

Get A Quote

Also read:

Beware of ‘Lesen Terbang’ Syndicate
‘Operasi Khas Motosikal’: Riding Motorcycle Without License Records Highest Summonses


Nak Buat Hibah? Ketahui Dulu Rukun dan Syarat-syaratnya

Fahami makna

Hibah

Hibah merupakan pemberian atau ‘hadiah’ yang dilakukan oleh pemberi kepada penerima secara sukarela tanpa mengharapkan sebarang balasan ketika hayatnya. Hibah hanya berlaku apabila pemberi meninggal dunia sahaja.

Sebelum melakukan hibah, anda perlulah mengetahui mengenai syarat-syarat dan rukunnya terlebih dahulu.

Tanpa berlengah lagi, ayuh kita lihat apakah rukun dan syarat hibah yang perlu diikuti:

Terdapat empat rukun hiba
h iaitu:

Pemberi hibah
Penerima hibah
Barang/ harta hibah
Akad

Syarat bagi pemberi hibah adalah:

Pemberi mestilah merupakan pemilik harta
Dilakukan dengan rela hati dan tanpa paksaan
Waras
Cukup umur
Layak untuk menguruskan hartanya

Syarat bagi penerima hibah

pula adalah:

Mestilah masih hidup ketika hibah berlaku
Layak (cukup umur) untuk terima barang hibah. Sekiranya masih belum cukup umur, barang atau harta tersebut akan dipegang dahulu oleh pemegang amanah yang dilantik.

S
yarat bagi barang atau harta yang boleh dihibahkan
:

Harta tersebut perlulah disahkan oleh syarak
Harta tersebut perlu wujud ketika ijab dan qabul berlaku
Harta tersebut perlulah bernilai
Harta tersebut merupakan milik pemberi hibah

S
yarat a
kad hibah

Lafaz ijab dan qabul
Lafaz ijab – lafaz yang diungkapkan oleh pemberi hibah kepada penerima
Lafaz qabul – lafaz yang diungkapkan oleh penerima sebagai tanda menerima harta tersebut

2. Tidak bertempoh

Hukum

hibah

Hukum melakukan hibah adalah
sunat
dan digalakkan dalam Islam.

Kadar yang boleh diserahkan

Berbeza dengan faraid atau wasiat, kadar harta yang boleh diberikan kepada penerima adalah tidak terhad kepada 1/3 sahaja dan ia boleh dilaksanakan tanpa persetujuan waris.

Perlu juga anda ketahui bahawa hibah boleh diberikan kepada penerima tertentu samada ahli keluarga atau bukan ahli keluarga atas dasar kasih sayang.

Jadi, lakukanlah perancangan dari awal dan uruskan harta pusaka anda dengan baik dan menurut syarak.

Bjak
 turut menyediakan pelan perlindungan Takaful dari harga serendah RM150/ bulan. Dapatkan perlindungan Takaful dari sekarang dan lakukan hibah untuk yang tersayang. Jika anda terdapat persoalan mengenai perlindungan Takaful, sila jangan teragak-agak untuk bercakap ejen tanpa komisen kami pada bila-bila masa.


Takaful dan Hibah -Antara Produk dan Kaedah

Takaful dan hibah merupakan dua perkara yang tidak asing lagi dalam kalangan kita. Kedua-duanya mempunyai hubung kait dan peranan yang tersendiri.

Contents =

Takaful
Hibah
Hibah Takaful

Takaful

Majoriti penduduk Malaysia yang beragama Islam akan memilih perlindungan Takaful berbanding insurans konvensional kerana ia bebas daripada tiga unsur yang dilarang oleh Islam iaitu unsur riba’, gharar (ragu-ragu) dan masyir (judi). Namun perlu diketahui bahawa perlindungan Takaful tidaklah hanya terhad kepada umat Islam malah turut boleh digunakan oleh agama lain.

Melalui Takaful, pemegang-pemegang polisi yang juga dikenali sebagai peserta akan bersama-sama membuat sumbangan secara bulanan ke dalam tabung. Wang yang dikumpul itu kemudiannya akan dilaburkan ke dalam pasaran saham patuh syariah agar ia dapat memberi manfaat kepada peserta pada masa akan datang.

Selain itu, untuk pengetahuan anda Takaful menggunakan konsep kerjasama dan perkongsian risiko yang mana segala risiko ditanggung bersama oleh semua pihak di bawah perlindungan Takaful terbabit.

Hibah

Secara mudahnya, hibah membawa maksud pemberian atau ‘hadiah’ yang dibuat secara terus oleh pemberi hibah ketika hayatnya kepada penerima sebagai tanda kasih sayang.

Melalui hibah, penerima tidak lagi perlu melalui proses faraid dan harta/ barang tersebut menjadi milik penerima secara terus. Bagaimanapun, manfaat hibah hanya akan diperoleh oleh penerima setelah pemberinya meninggal dunia.

Hibah Takaful

Anda perlu faham bahawa hibah takaful bukanlah sejenis produk.

Tetapi, hibah Takaful adalah kaedah bagaimana manfaat daripada pampasan itu akan diagihkan.

Dengan kata mudahnya, melalui hibah Takaful, sekiranya pemegang polisi Takaful meninggal dunia, pengagihan wang pampasan oleh syarikat Takaful akan diberikan secara hibah iaitu secara terus kepada penerima manfaat.

Melalui hibah, penerima sekurang-kurangnya akan dapat meneruskan kehidupan yang lancar dan baik menggunakan wang pampasan yang diterima.

 Dapatkan perlindungan Takaful melalui
Bjak
 dan lakukan hibah untuk yang tersayang. Jika anda terdapat persoalan mengenai perlindungan Takaful mahupun hibah, sila jangan teragak-agak untuk bercakap ejen tanpa komisen kami pada bila-bila masa.


Why do you need to be honest on your life insurance application?

You’ve finally realized that you need life insurance. So you do your research and compare insurance quotes from a range of insurance providers, in search of the best coverage and premium in town.

After getting the best match, your eyes quickly scan your life insurance application form. You pause at the question that asks:
Are you a smoker?

You ponder the question:
I can get a lower premium as a non-smoker. So what if I just lie? I’m planning to quit smoking soon anyway
.

Bury that thought.
Lying on your life insurance application is a fraud
 that comes with a hefty price.

Contents =

What is ‘insurance fraud’?
What is ‘application fraud’?
What happens if you lie on your life insurance application?
1. Your life insurance application may be denied
2. You may be charged a higher life insurance premium
3. Your death benefit may be reduced or denied
You don’t have to lie on your life insurance application to get a lower premium

What is ‘insurance fraud’?

It helps to first understand what insurance fraud means.
It’s an intentional deception or dishonesty on the part of either the buyer (insured party) or seller (insurance provider or insurance agent) of an insurance policy, for unjustified financial gain
. If the buyer or seller deceives the other party, this will deem the policy that they enter into invalid.

For insurance buyers, one of the most common frauds that you must stay away from is
application fraud
.

What is ‘application fraud’?

When you knowingly withhold information or plainly speaking, lie on your life insurance application, that’s application fraud.

For instance, on your life insurance application, you claimed that you’re a non-smoker. However, your medical reports reveal otherwise. You’re actually a smoker and have in fact been smoking long before you applied for your life insurance.

What happens if you lie on your life insurance application?

Lying on your insurance application can land you in big trouble when your secret is out in the open. These are some of the serious consequences of lying on your life insurance application.

1. Your life insurance application may be denied

When filling in your life insurance application, you may think that it’s safe to lie. There’s a chance that your insurance provider won’t find out about it. But don’t be mistaken.

Insurance providers have extensive resources that allow them to verify the information that you submit to them. Among other resources, they can access your medical records. When you apply for life insurance, you also sign a medical records release authorization. This authorization permits your insurance provider to access and review your medical records.

Say that you declare you’re a non-smoker (when you’re actually a smoker), be rest assured that
your insurance provider will sooner or later find out about it and penalize you by denying your application
. In this case, you may have to start from scratch and get fresh insurance from another provider if you’re qualified.

2. You may be charged a higher life insurance premium

Most applicants lie on their insurance applications in a bid to get a lower premium. For instance, declaring that you’re a non-smoker can get you a lower premium based on the risk assessment done by the insurance underwriter. Sure, you can enjoy a lower premium now, but what if your insurance provider finds out that you lied on your application?

The worst-case scenario is your policy will be deemed invalid, which means you won’t get a cent out of your insurance that you’ve been paying for years.

The best-case scenario is
you
may
 still be approved for coverage but would be charged a higher premium
.

In any case, lying on your application is not worth taking as you could lose all your hard-earned money spent on your insurance as soon as your insurance provider finds out about your fraud.

3. Your death benefit may be reduced or denied

You pay for your life insurance so that your dependents would be financially protected even after you’re no longer around. Imagine how devastating it would be for your dependents to learn that they can’t get any cash payout from your insurance because you lied on your application.

Understand that every life insurance policy comes with a ‘contestability period’ of usually one to two years after your policy is active. During this period, your insurance provider is allowed to review your policy and coverage.

Say that you pass away during this period; your insurance provider has the right to investigate.
Should they find out that you lied on your life insurance application, they have valid grounds to either reduce or completely deny the cash payout to your beneficiaries
. Surely, you won’t want any of these to happen to your beneficiaries, right?

You don’t have to lie on your life insurance application to get a lower premium

Whether it’s lying about tobacco use, medical history, or your occupation, don’t ever attempt to lie on your life insurance application.

There’s a legitimate way to get a lower insurance premium. At Bjak, you can get an all-in-one life and medical insurance policy that won’t hurt your wallet. Customize your policy to nicely fit your budget and needs here:
https://bjak.com/life/en/

(Sources: Insuranceopedia, PolicyMe, ratehub.ca, RinggitPlus)


Road Accidents: 7 Types of Collisions You Must Know

From collisions with other vehicles to hitting objects or people, road accidents can be major or minor depending on the level of damage or injury caused. But even though each accident is one-of-a-kind, there are seven collisions that can help you determine just how serious it was.

By getting to know these collisions and the risk factors involved, you’ll be better equipped to stay safe on the road and prevent accidents from happening in the first place. So, let’s explore these collisions and learn how to steer clear when danger approaches!

Get Free Quote

Contents =

Head-on
Rear-end
Side-impact or T-Bone
Rollover
Sideswipe
Single vehicle
Multiple vehicles

Head-on

When it comes to car accidents, head-on collisions are no joke. These crashes involve two vehicles coming at each other at full speed, creating a devastating impact that can be fatal. Unfortunately, these types of accidents are often the deadliest on the road, especially when they happen at high speeds.

Rear-end

This accident occurs when a vehicle crashes into the back of another car that is either stopped or moving slower. Sometimes it happens due to sudden acceleration of the rear vehicle or rapid deceleration of the front vehicle.

Side-impact or T-Bone

Picture this: you’re cruising along in your car, minding your own business, when out of nowhere, another vehicle comes crashing into you at a perpendicular angle.

That’s what we call a T-bone collision or a side-impact crash. These types of accidents often happen at intersections, where one driver jumps the traffic light and slams into another unsuspecting car.

Rollover

Imagine your car flipping, tumbling, and ending up on its roof – that’s what a rollover accident looks like. Sadly, these types of crashes are usually incredibly violent and can cause extensive damage, serious injuries, or worse, death. It’s not something anyone wants to experience, which is why it’s crucial to drive safely and take precautions to avoid such accidents.

Sideswipe

This happens when one vehicle accidentally collides with the side of another vehicle that’s heading in the same direction. Unfortunately, many drivers don’t even realize they’re drifting or skidding into your lane until it’s too late. And when a sideswipe collision occurs, things can quickly spiral out of control, causing the vehicle to veer off the road or even smash into other cars, people, or objects.

Single vehicle

When it comes to car accidents, single-vehicle collisions are unfortunately all too common. These types of incidents happen when a driver loses control of their vehicle and crashes into something or drifts off the road. And, more often than not, these accidents occur due to errors, such as recklessly speeding or driving under the influence.

Multiple vehicles

Well, simply put, it’s when three or more cars are tangled up in a single collision. Typically, the first collision causes these accidents, which quickly spiral into a massive vehicle pileup due to a chain reaction.

Now that we’ve explored the seven types of collisions you must know, it’s time to take action and protect yourself on the road. Remember, accidents can happen to anyone, anywhere, at any time. That’s why car insurance is so crucial – it can provide you with financial protection and much-needed security. Don’t take any chances on the road – make sure you have the right coverage to keep you and your loved ones safe.

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

Get Free Quote

Read more:

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


ShopBack PayLater 让您更新车险零负担！

准备更新车险的车主们，这里有个好消息要告诉大家！如今，我们的先买后付（BNPL）管道又多了一个选项，那就是——ShopBack PayLater！

自从2021年11月，我们和Atome合作推出先买后付（BNPL）更新车险的管道后，陆续增加了Grab PayLater和SpayLater，如今再增添ShopBack PayLater，势必让您在更新车险上，变得更方便、更简单，也更安全！

继续阅读本文，了解更多关于在必佳使用ShopBack PayLater更新车险的详细信息！

索取报价

Contents =

什么是ShopBack PayLater？
ShopBack PayLater 如何运作？
在必佳如何使用ShopBack PayLater付款？
使用ShopBack PayLater的好处
现在就使用ShopBack PayLater更新车险

什么是ShopBack PayLater？

大马领先的导购和现今回馈平台ShopBack在去年7月正式推出PayLater先买后付服务，让用户可以通过分期付款方式购买需要的东西，这和Grab PayLater以及SpayLater非常相似。通过ShopBack PayLater，用户可以在免利息的情况下，分期3个月完成付款。

ShopBack PayLater 如何运作？

欲使用ShopBack PayLater，首先必须是拥有ShopBack账号。若没有，则可以按照以下简单步骤完成手续。

1. 从Google Play商店或Apple App Store下载ShopBack手机应用程式

2. 创建ShopBack账号

3. 登录并设置PayLater功能

4. 绑定银行卡或信用卡，并完成身份验证

5. 完成后，即可开始使用ShopBack PayLater进行线上购物

在必佳如何使用ShopBack PayLater付款？

使用ShopBack PayLater付款更新车险非常简单、方便，只需要：

1. 向必佳免费索取18家保险公司报价

2. 选择合适的车险配套，然后点击付款

3. 在付款页面点击ShopBack的标志

4. 结账时只需付1/3的费用，其余2/3的费用将在接下来2个月支付

使用ShopBack PayLater的好处

1. 可分期3个月付款

如果手头紧，不必担心一次过付清全款，可以使用ShopBack PayLater分期3次付款，帮您减轻财务负担。

2. 零利息

更重要的是，ShopBack PayLater的分期付款是0利息，也没有任何隐藏收费，所以可以安心使用它来分期付款车险和路税。

3. 现金回馈

ShopBack除了可以获得现金回馈，您也可以提取账户里面的现金，用于支付首期付款，从而减少开支。

现在就使用ShopBack PayLater更新车险

必佳提供的分期付款更新车险，已经帮助很多车主在最低负担的情况下，给爱车购买最好的车险保障。所以，更新车险和路税，当然要选择
全马最大的线上车险平台——必佳Bjak
，在这里你可以一次过比较18家保险公司报价，并根据自己的需求和预算选择合适的保险配套。付款后，车险立即生效，省时方便！今天就到必佳了解更多吧！

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保险索赔：把车子送去授权车厂的重要性

当不幸发生意外并造成车子损坏时，如果需要提出索赔，你就得把车子送往授权车厂（Panel Workshop）。

授权车厂指的是保险公司授权的汽车维修厂，专门维修保险公司所承保的汽车。

授权车厂和一般更换黑油或轮胎的车厂不同，授权车厂必须获得
马来西亚普通保险协会（Persatuan Insuran Am Malaysia (PIAM)）的授权批准
，且必须通过PIAM所设定的维修计划（PIAM Approved Repairers Scheme (PARS）。

截至2022年3月，
PIAM已批准了678 家在全国范围内运营的 PARS 维修商
， 你可以在其网站上查询
马来西亚每个州的授权车厂
列表。

Contents =

为什么一定要把车子送去授权车厂？
让索赔过程更顺利
可以得到更专业的维修服务
可享有6个月的维修保修（Repair Warranty）
在必佳线上更新车险

为什么一定要把车子送去授权车厂？

让索赔过程更顺利

如果你的汽车因为意外而损坏（你本身是肇事者），你必须将汽车送到保险公司的授权车厂以提出
保险索赔
。

授权车厂对处理索赔的程序更为熟悉，这样才能让你的索赔过程更加快速
，并能及早取回维修好的车辆。

你的
综合型保险
将根据你的保单负担你的汽车维修费或做出赔偿。如果你把损坏的车子送往任何一家没有授权的维修厂进行维修，你可能无法提出保险索赔或得到任何赔偿。

可以得到更专业的维修服务

每家授权车厂必须先获得 PIAM 所制定的PARS标准，而
PARS 的主要目标
就是“提高汽车维修厂的服务水平、质量和专业水平。”

因此，与一般的车厂相比，授权车厂具有维修损坏车辆的专业知识，同时拥有更好的设施及设备维修车辆，这样就能让顾客在更快的时间内取回修好的汽车。

在提出保险索赔时，
保险公司将会派出理赔师对你的车辆进行维修费估价，他们也将密切关注整个维修过程，以保证你在索赔过程中没有任何欺诈行为
。

另外，授权车厂与许多汽车经销商合作密切，因此他们会更容易找到车辆的原厂配件。对于不熟悉汽车及配件的人来说，在一般车厂维修车辆可能就很容易被欺骗。

可享有6个月的维修保修（Repair Warranty）

如果将车子送往授权车厂维修，你就可以享有6个月的维修保修。

假如你的损坏车辆在汽车配件或维修上出现问题，
你可以在6个月内将车子送回授权车厂。授权车厂有义务将车子维修至你满意为止。

另外，保险公司每年都会对授权车厂进行年度审查，以保证所有的授权车厂都符合他们的要求及标准。

如果投保人对维修工作不满意并提出投诉，保险公司将正视对待那些投诉，以确保投保人能从授权车厂得到高质量的服务。

因此，如果你的汽车在授权车厂维修后出现故障，请返回授权车厂并让他们处理。由于仍处于保修期，你无需为任何维修工作或零件更换支付任何费用。

在必佳线上更新车险

如果真的不幸遭遇车祸，车主切记要冷静处理，第一时间联系保险公司以获得最好的解决方法，同时确保将车子送往授权车厂，并按照程序
索赔保险
，才能将损失减到最低。

另外，千万不要忘记检查你的
汽车保险截止日期
。如果
保险已过期
，你将无法提出保险索赔。

想要
更新汽车或摩托车险
？到必佳就可轻松线上更新，你还可以选择“
先更新后付款
”，免利息分期付款，今天就到必佳了解更多！

索取报价

延伸阅读：

保险索赔：我一年可以索赔多少次？
保险索赔：酒驾意外，可以索赔吗？
保险索赔：车子被撞后逃，可以索赔吗？
保险索赔：避免索赔被拒的方法
保险索赔：汽车配件被偷，可以索赔吗？


Can You Claim Insurance for Riot-Related Damage to Your Car?

Strikes, riots, and civil commotion somewhat seldom happen in Malaysia. It is unfortunate and unpredictable. Despite not experiencing one anywhere near you, it may happen regardless of the place or time. In this untoward event, you or your motor vehicle could be badly damaged in a riot. But can you claim compensation for riot-related damage to your insured vehicle?

Read on as we explain in detail in this article.

Contents =

What is car damage resulting from riots?
Can you claim insurance to cover your car damage resulting from riots?
Additional Strikes, Riot, and Civil Commotion (S.R.C.C) coverage
How to calculate the premium for this additional coverage?
Should you purchase this additional coverage?
Get S.R.C.C coverage to claim for riot-related damages

What is car damage resulting from riots?

It is damage to your vehicle that happens following a riot, strike, or civil commotion. If your car happens to be parked in an area where a riot breaks out, the probability of your car getting damaged is very high.

Let’s refer to previous news that occurred in 2018. A scuffle between two rival groups triggered an all-out riot at the site of the Seafield Sri Maha Mariamman temple at USJ 25, Putra Heights. As a result, up to 18 vehicles in the vicinity were set alight by dozens of brawlers at the site.

In this case, can you claim compensation from your insurer for damage to your insured vehicle? Read the following point for further explanation.

Can you claim insurance to cover your car damage resulting from riots?

You may think that your comprehensive car insurance policy gives the utmost protection to your car. However, please note that it actually does cover damages caused by strikes, riots, and civil commotions.

Most insurance policies have included a clause stating they will not compensate for the car damages caused by: 1)
strike
, 2)
riot
 or 3)
civil commotion
 in the General Exceptions section.

For example, you may find a similar paragraph (refer to below) written in the policy:

If any loss, damage, or liability is caused by the invasion, war (whether war is declared or not), warlike operation, acts of foreign enemies, hostilities, civil war, acts of terrorism, strike, riot, civil commotion, mutiny, rebellion, revolution, insurrection, military or usurped power or by any direct or indirect consequences of any of the said occurrences.

Therefore, you are not liable to claim insurance for any riot-related damage.

Additional Strikes, Riot, and Civil Commotion (S.R.C.C) coverage

However, the outcome is different if you have added additional Strikes, Riot, and Civil Commotion (S.R.C.C) add-on coverage on top of your comprehensive coverage. This additional coverage covers the repair costs to your vehicle for damages caused by any of the situations mentioned above.

If you have already purchased S.R.C.C add-on coverage then you can claim compensation due to riots.

How to calculate the premium for this additional coverage?

The premium can cost around 0.3% of the insured sum.

Say that you would like to get the extensive S.R.C.C cover. As the sum insured for your car is RM50,000, you will have to pay 0.3% of the amount to enjoy the coverage. Therefore, the amount you have to pay is RM150 for a one-year coverage
.

However, the premium amount may vary across insurers. It is best to check with your preferred insurer for the accurate sum.

Should you purchase this additional coverage?

Not many people may purchase this additional S.R.C.C coverage because incidents such as riots or civil commotion are rare. It is up to you to prepare your vehicle against the unseen events.

However, if you do not opt for this add-on coverage, please ensure to park your car in a safer area. Do avoid potential areas such as political rallies. Please also avoid parking your vehicle by the roadside too.

Rallies or riots are unpredictable, we cannot know where they may occur in advance.

Get S.R.C.C coverage to claim for riot-related damages

Above all, please be safe and ensure your vehicle is parked in a safe and well-lit area. As we have mentioned multiple times, nobody can predict when and where a riot will break out.

If you have an extra budget, you may want to use it to purchase the S.R.C.C add-on coverage in your comprehensive policy plan. Anything that prepares your vehicle in the event of unfortunate events does not go wasted.

Would you like to add this additional coverage to your
car insurance
 policy? You may visit Bjak to
renew your car insurance online
 now.

Get Free Quote

Read more:

Why Your Car Insurance Claim Might Get Rejected
How To Claim Motorcycle Insurance After An Accident
Common Misunderstandings About Comprehensive Insurance


Bolehkah Syarikat Insurans Menolak Untuk Menginsuranskan Kenderaan Anda?

Apabila tiba masa untuk
renew insurans kereta
, anda semestinya mahu mendapatkan pelan daripada syarikat insurans yang boleh dipercayai dan boleh membantu anda dengan pantas dan mudah sekiranya berlaku kecemasan. Sebagai pengguna, anda boleh memilih dan menolak mana-mana pembekal insurans. Namun, bolehkah mereka, pembekal insurans melakukan perkara yang sama kepada anda? Bolehkah
syarikat insurans
 kereta menolak untuk menginsuranskan kenderaan anda?

Anda mungkin beranggapan bahawa syarikat insurans kereta menyediakan perkhidmatan kepada anda dan menjana wang untuk setiap pelanggan, jadi mereka tidak akan menolak mana-mana pemilik kenderaan yang ingin menggunakan khidmat mereka. Namun tahukah anda, syarikat insurans kereta boleh menolak untuk menerima anda sebagai pelanggan dan menginsuranskan kenderaan anda dalam keadaan tertentu. Mengapa ia boleh berlaku?

Teruskan membaca artikel ini untuk mengetahui dengan lebih lanjut mengenainya.

Renew Insurans Online

Contents =

Mengapa syarikat insurans enggan menginsuranskan kenderaan anda?
Sejarah kelewatan membayar insurans tepat pada masanya
Melanggar peraturan lalu lintas
Berbohong ketika memohon insurans
Kereta mahal
Tiada lesen memandu
Apa yang boleh anda lakukan jika permohonan insurans anda ditolak?

Mengapa syarikat insurans enggan menginsuranskan kenderaan anda?

Sejarah kelewatan membayar insurans tepat pada masanya

Masalah mungkin terletak pada sejarah pembayaran anda. Sebagai contoh, kelewatan anda membuat pembayaran untuk insurans boleh menyebabkan
 insurans kereta
 anda dibatalkan. Oleh itu, perlindungan tidak lagi sah untuk kenderaan anda.

Syarikat insurans mungkin menganggap anda sebagai tidak bertanggungjawab dan tidak mampu untuk memperbaharui insurans. Secara amnya, anda akan menerima amaran terlebih dahulu kerana tidak membuat pembayaran dan sedikit masa akan diberikan kepada anda untuk membayarnya sebelum polisi anda dibatalkan. Walau bagaimanapun,  ia bergantung pada setiap pembekal insurans.

Bilakah pembayaran anda dianggap lewat?

Pembayaran biasanya dianggap lewat selepas ia melepasi hari selepas tarikh tamat sebaik sahaja jam berdetik pada 12.01 pagi. Pembayaran lewat boleh menyebabkan perlindungan anda tamat, dan akhirnya polisi dibatalkan secara keseluruhan.

Pelan insurans yang telah tamat bermakna anda akan kehilangan perlindungan untuk kenderaan anda. Apa-apa sahaja yang berlaku selepas insurans kereta anda tamat adalah di luar tanggungjawab syarikat insurans. Sekiranya berlaku kemalangan kereta, anda perlu membayar kos pembaikan menggunakan wang anda sendiri, bahkan juga kepada pihak lain yang terlibat dalam kemalangan tersebut.

*Sila semak dengan pembekal insurans anda dan maklumkan mereka bahawa anda terpaksa melewatkan pembayaran. Setiap syarikat mungkin mempunyai peraturan yang berbeza mengenai penangguhan pembayaran.

Melanggar peraturan lalu lintas

Mempunyai beberapa saman kesalahan lalu lintas boleh menjejaskan permohonan insurans anda. Di sini kami menyenaraikan beberapa rekod trafik yang boleh menyebabkan pembekal insurans menafikan perlindungan kepada anda.

1. Kerap terlibat dengan kemalangan jalan raya – terlibat dalam beberapa kemalangan jalan raya mungkin menggambarkan anda sebagai individu yang berisiko. Syarikat insurans anda akan melihat anda sebagai liabiliti dan akan menjadi sangat berhati-hati sama ada untuk menerima permohonan anda atau tidak.

2. Kesalahan serius – memandu di bawah pengaruh merupakan salah satu kesalahan yang serius. Ia boleh menyebabkan permohonan anda ditolak walaupun anda hanya melakukan kesalahan tersebut sekali sahaja.

Berbohong ketika memohon insurans

Sila jujur apabila anda ingin memohon dan membeli insurans kereta. Maklumat yang lengkap dan tepat diperlukan supaya anda layak untuk mendapatkan perlindungan. Jika anda didapati melakukan pembohongan, syarikat insurans berhak untuk menolak permohonan anda itu.

Sekiranya maklumat anda tidak lengkap, syarikat insurans mungkin akan mengembalikannya semula kepada anda untuk melengkapkannya. Namun jika anda didapati berbohong, polisi insurans kereta anda boleh dibatalkan serta-merta jika ia dikesan.

Kereta mahal

Sesetengah syarikat insurans mungkin tidak dapat menyediakan perlindungan untuk kereta mahal yang datang dengan kos pembaikan yang tinggi.

Itulah sebabnya anda perlu mencari agensi insurans yang bersedia untuk menginsuranskan kenderaan mewah yang bernilai tinggi.

Tiada lesen memandu

Anda dilarang sama sekali untuk memandu tanpa lesen memandu yang sah. Jika didapati melakukannya, anda pastinya bakal dikenakan saman oleh pihak berkuasa. Berikut merupakan jumlah saman atau denda yang perlu dibayar dari semasa ke semasa:

Tempoh masa
Jumlah
1-15 hari
RM150
16 – 30 hari
RM200
31 – 60 hari
RM300

Untuk pengetahuan anda, lesen memandu adalah antara dokumen yang perlu anda kemukakan semasa memohon perlindungan insurans. Syarikat insurans tidak akan memberikan perlindungan kepada individu tanpa lesen yang sah.

Apa yang boleh anda lakukan jika permohonan insurans anda ditolak?

Anda mungkin tiada pilihan lain jika syarikat insurans enggan menginsuranskan kenderaan anda. Secara dasarnya, anda mungkin dianggap sebagai individu berisiko untuk menerima perlindungan insurans. Syarikat insurans berhak untuk menafikan perlindungan anda jika mereka berpendapat bahawa anda tidak jujur atau anda seorang pemandu yang berisiko tinggi.

Oleh itu, apa yang boleh anda lakukan di sini ialah mencari pembekal insurans yang lain. Masih terdapat syarikat insurans lain yang boleh memberikan perlindungan insurans kepada anda. Setiap syarikat insurans menilai permohonan dengan cara yang berbeza, jadi mungkin ada yang akan menerima permohonan anda, mungkin juga tidak.

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

Renew Insurans Online

Baca juga:

Risiko Pemandu: Adakah Anda Pemandu Berisiko Tinggi Atau Rendah?
Kesilapan Yang Perlu Dielakkan Semasa Memfailkan Tuntutan Insurans Kemalangan Kereta
4 Jenis Caj Tambahan Yang Akan Dikenakan Dalam Premium Asas Insurans Kereta Anda


Does Auto Insurance Cover Car Fires?

Car fires can happen at any time. It may happen accidentally or be carried out by an irresponsible party.

When this happens,
a question may arise whether you will be eligible to make an insurance claim for car fires.

Contents =

Car fire accidents
Can you make an insurance claim for car fires?
You are eligible to claim from your insurer, but..
Can one claim for car fires caused by other cars?
Steps to claim for car fires
Get adequate coverage

Car fire accidents

The followings are some of the car burning incidents that happened last year:

14 December 2021

Four cars parked
near Block E, Apartment P5R3, Presint 5,
were on fire. The fire involved Proton Persona, Perodua Myvi, Honda City, and Honda BRV cars. While both Honda City and Honda BRV were charred, the Proton Persona and Perodua Myvi were slightly burnt.

26 November 2021

Four cars parked under the parking area tent near a block in Taman Melati Flats were destroyed in a fire. The fire involved Proton Persona, Mercedes, Perodua Kancil and Nissan Almera.

According to a report, the Proton Persona and Mercedes were 100% burnt. The Perodua Kancil burned 60%, while the Nissan Almera burned 30%.

29 April 2021

There was also a fire involving four vehicles parked on the side of the road near the Angsana Flats, Hilir Ampang, Ampang.

The incident at about 1:30 pm involved a Nissan Vanette van, Daihatsu Feroza, Perodua Kancil, and Proton Persona.

Can you make an insurance claim for car fires?

The accidents shared above are just a fraction of recorded car fire cases. It is undoubtedly a concern for car owners whether such an incident (car fire) is covered under their policy plan.

Read on as we help you clarify the matter in this article.

You are eligible to claim from your insurer, but..

You may claim from your car insurer for car fires, subject to your policy type.

To make a car insurance claim due to accidental fire, you need to have any of the following policies:

Comprehensive policy
Third party, fire & theft (TPFT) policy

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

Can one claim for car fires caused by other cars?

In most cases, people would claim from their insurer first if their car catches fire caused by another car. This is as the claim process is faster than a claim against the guilty party’s insurance company.

Such a claim is what we call a
knock-for-knock claim
 whereby your insurance company will reclaim from the third party insurance company later.

But don’t worry. Even if a claim is made on your insurance first, your NCD eligibility will remain as you are not the party at fault.

However, this knock-for-knock claim can only be made if you are a comprehensive policyholder.

Steps to claim for car fires

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

Take a photo 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
a copy of your driving license
The insurance company will investigate your case
Wait for the report from the police, fire department, and insurance company

Get adequate coverage

You may be able to save some money with the most basic coverage that is a third party policy.

However, you also need to think about all the possibilities that may occur in the future.

Fires can occur anywhere, anytime. Therefore, we advise you to get sufficient coverage for your vehicle. As such, get a comprehensive or
 third party, fire & theft (TPFT)
 policy if your car is below 20 years old.

You can purchase insurance easily at Bjak. Choose from 15 leading insurance brands in Malaysia to secure the best price. Start by getting your free
car insurance quotes
 at Bjak today.


游子返乡庆虎年  南北大道车流量料增17%

南北大道公司（PLUS）主席莫哈末纳西尔预计
，在来临的农历新年将迎来一波返乡潮，大道上的车流量将比平时增加大约17.4%，即达到160万辆车次。

该公司估计，大道车流量的峰值将出现在1月28日、29日以及2月2日和5日。为了减缓大道堵车的情况，南北大道公司将在这个月28日到2月6日期间，推出“出行时间表”，并呼吁民众按照所建议的时间出行。

Contents =

新年掀返乡潮  南北大道车流量达160万车次
农历新年期间增10%大道巡逻车
做好汽车常规检查  平安回乡最重要
确保您的车险与路税有效

新年掀返乡潮  南北大道车流量达160万车次

莫哈末纳西尔于24日与全国副总警长拿督纳沙鲁丁一同在南北大道双溪毛糯天桥餐厅（往北）方向主持安全行动17仪式时指出，大道平日的车流量约为140万车次，但在来临的农历新年期间将预计达到160万车次，主要是因为已经两年没有回家过年的民众会趁这次农历新年回乡与家人团聚。

农历新年期间增10%大道巡逻车

莫哈末纳西补充，大道公司在农历新年期间将比平时增加了10%的大道巡逻车，对汽车抛锚的开车人士给予协助，他同时呼吁民众在出行前应确保车况良好，避免发生事故。

此外，他补充，根据研究显示，很多汽车追尾事故发生都是因为司机打瞌睡或超速等原因导致的，因此开车人士出行前应确保养足精神与体力，以免发生车祸。

做好汽车常规检查  平安回乡最重要

无论是北上还是南下，为了让整个自驾旅途更安心、舒适，开车人士在出发前千万要做好汽车的
常规检查
，以确保您和您所爱的人平安回乡。

轮胎
 – 确保轮胎处于良好状态，包括检查胎压及轮胎胎面花纹。
刹车片
 – 检查刹车片和制动液处于令人满意的水平。
黑油
 – 检查黑油以确保您的汽车在整个长途旅行中都安静且平稳地行驶。
雨刷器
 – 确保您的汽车雨刷器能够正常擦拭挡风玻璃上的雨水或灰尘。有故障的雨刷器将会为开车人士带来阻碍，尤其是在雨天。
灯
 – 检查每种类型的灯并确保灯泡处于良好状态。
充值 Touch ‘n Go 卡
 – 为您的 Touch ‘n Go 卡充值，以确保您的旅程顺利，不会卡在收费站，也不会阻扰其他的道路使用者。

确保您的车险与路税有效

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

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

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

延伸阅读：

做好汽车常规检查，平安回乡最重要
滥用紧急车道，小心被举报！
违规驾驶，小心警察找上门！
导致交通意外的7大违规行为
小心车祸黑区，勿成公路亡魂！


How to Get Rid of Unpleasant Car Odour

Imagine sitting in a car with an unpleasant car odour. Yes, a bad smell can cause discomfort to the driver and passengers.

But do not worry. You can easily eliminate the smell.

Read on as Bjak will share how you can get rid of the foul odour easily and affordably.

Contents =

Roll down your windows
Use charcoal
Keep pandan leaves in your car
Use baking soda
Use coffee powder
Use car freshener
Wash your car regularly
Ensure your car is clean and does not have bad odour

Roll down your windows

First, we recommend rolling down your car windows slightly to improve air circulation. This helps remove the bad smell inside the car.

Meanwhile, please do not switch on the air conditioning. Let the outside air slip through your car cabin. It will provide better ventilation in the car.

Use charcoal

Charcoal helps remove foul smells, including bad car odours.

Just take a few chunks of charcoal and place them in a container. Make a medium-sized hole on the container’s lid and leave it open on the car floor.

You may also wrap the charcoal with a tissue or cloth bag and place it close to the smelly spot. But for your convenience, you could just buy a charcoal-scented perfume and put it in your car!

Either way works on getting rid of bad car odour.

Keep pandan leaves in your car

Pandan leaves can also help remove unpleasant car odours.

They are commonly used for their fragrance to overcome foul odour. Tie three or four pieces of pandan leaves and place them under car seats.

Their fragrance lasts for 2 to 3 weeks, so replace them with fresh pandan leaves when needed.

Slice the pandan leaves into small pieces and place them in a perforated cloth bag if you want the smell to linger.

The fresh aroma will linger around your car longer.

Use baking soda

Can you use baking soda to remove the foul odour? The answer is yes!

Follow the simple steps below:

Sprinkle the baking soda powder on your car floor or the smelly spot. Leave it for 2-3 hours before vacuuming your car.
You may use a container containing baking soda and leave it on the car floor in the open.

Easy, right?

Use coffee powder

Ground coffee helps neutralise the air and eliminate unpleasant smells. Make sure you use actual coffee beans (ground coffee), not instant coffee.

Put the coffee powder in a sachet and leave it in the car. It is
that
 easy!

Use car freshener

You can also put a liquid-based car freshener in your car to eliminate the musty smell.

You are not recommended to use a gel-type freshener as it could affect the car air conditioning.

There are many brands of car fresheners that you can pick, such as Ambi Pur, Glade and Fleur.

Wash your car regularly

Not washing a car regularly is one of the reasons for a smelly vehicle. It causes your car to smell bad and invite unwanted guests such as termites and cockroaches.

We advise you to wash your car once a week. You could wash it at home or use a carwash service. Make sure that both your car exterior and interior are clean!

Ensure your car is clean and does not have bad odour

We hope the tips above can help you keep your car clean and smell nice.

Do not turn a blind eye to your car’s cleanliness. Do take care of your car for your comfort as a driver.

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


Kereta Total Loss, Ini Apa Yang Anda Perlu Tahu

Banjir besar
 yang melanda beberapa buah negeri di Semenanjung Malaysia pada Disember lepas dan awal tahun ini sesungguhnya memberikan kesan yang mendalam kepada mangsa.

Salah seorang mangsa, Hazalizan Ramli, 37, terpaksa menerima hakikat apabila Perodua Myvi miliknya
total loss
akibat banjir di Jelebu, Negeri Sembilan pada 17 Disember lepas. Berkata kepada
Utusan Malaysia
, Hazalizan hanya mampu melihat keretanya ditenggelami banjir sebelum dibawa arus air yang deras.

Banjir yang menimpa Hazalizan sehingga membuatkan Perodua Myvi miliknya
total loss
boleh berlaku kepada sesiapa sahaja. Sekiranya kereta anda mengalami kerosakan sehingga
total loss
, apakah yang perlu anda lakukan?

Untuk membantu anda, kami akan terangkan maksud kereta
total loss
, jumlah pampasan serta prosedur tuntutan insurans kereta
total loss
.

Contents =

Apakah maksud total loss?
Pampasan untuk kereta total loss
Market value
Agreed value
Prosedur tuntutan insurans kereta total loss
Prosedur am tuntutan insurans kereta
Prosedur tambahan untuk tuntutan insurans kereta total loss
Jika kenderaan anda dipandu orang lain dan terlibat dalam kemalangan sehingga total loss, bolehkah claim insurans?
Pilih insurans kereta terbaik

Apakah maksud
total loss
?

Kredit imej:
Lapeze & Johns

Secara amnya, jika sesebuah kereta disahkan oleh syarikat insurans sebagai
total loss,
 ini bermaksud
kenderaan tersebut “Tidak Berhemat Dibaiki” atau
Beyond Economic Repair
 (BER).
Maksudnya,
kenderaan tersebut tidak selamat atau tidak dapat dibaiki lagi atau kos anggaran untuk membaiki atau menggantikan kereta tersebut melebihi nilai tunai sebenar

kenderaan tersebut
. Nilai tunai sebenar kenderaan anda merujuk kepada amaun yang akan dibayar oleh syarikat insurans anda jika kenderaan anda
total loss
.

Untuk memberikan gambaran kepada anda, antara situasi kenderaan
total loss
 ialah apabila:

1) Kenderaan mengalami kerosakan yang teruk sehingga tidak selamat atau tidak dapat dibaiki lagi

Sebagai contoh, andaikan kereta Proton Saga Ahmad terlibat dalam kemalangan dengan sebuah lori. Akibat pelanggaran tersebut, kereta Ahmad dihantar ke bengkel panel. Setelah diperiksa segala kerosakan,
 adjuster
 insurans mengesahkan bahawa kereta Ahmad
 total loss
 kerana sudah tidak selamat dan tidak dapat dibaiki.

Nota:

Adjuster

merujuk kepada orang atau entiti yang berdaftar di bawah Akta Perkhidmatan Kewangan 2013 yang dilantik oleh syarikat insurans berkenaan untuk menyiasat sebab dan keadaan berlakunya kerugian dan untuk menentukan amaun kerugian.

2) Kenderaan masih boleh dibaiki tetapi kos anggaran pembaikan melebihi nilai tunai sebenar kenderaan tersebut

Bayangkan pula kereta Ahmad yang dilanggar lori tersebut masih boleh dibaiki. Setelah dinilai, kos anggaran pembaikan termasuk alat ganti kereta Ahmad melebihi nilai tunai sebenar

kereta Ahmad. Sebagai contoh, kos anggaran pembaikan kereta Ahmad ialah sebanyak RM20,000, sedangkan nilai tunai sebenar

keretanya hanyalah RM10,000. Dalam situasi ini, kereta Ahmad disahkan sebagai
total loss
kerana kos anggaran pembaikan melebihi nilai tunai sebenar

keretanya.

Pampasan untuk kereta
total loss

Sekiranya kereta anda
total loss,
anda boleh menuntut pampasan daripada syarikat insurans anda, tertakluk kepada polisi yang dipilih.

Anda hanya boleh membuat tuntutan
total loss
jika kereta anda dilindungi
polisi komprehensif
. Sekiranya anda mendapatkan
polisi pihak ketiga, kebakaran atau kecurian
 ataupun
polisi pihak ketiga
, anda tidak boleh membuat tuntutan tersebut kepada syarikat insurans anda.

Bagaimanakah pula jumlah pampasan untuk kereta
total loss
dikira?

Asasnya, pihak insurans menentukan jumlah pampasan berdasarkan jumlah perlindungan atau
sum insured

kenderaan anda. Sebelum memperbaharui insurans kenderaan, anda perlu memilih jumlah perlindungan kenderaan sama ada mengikut
market value

(nilai pasaran) atau
agreed value

(nilai dipersetujui).

Sekiranya anda memilih
market value
, jumlah pampasan akan mengikut
market value
kereta anda ketika kereta anda
total loss,
bukan
market value
ketika anda
renew
insurans anda.

Berikut merupakan senario jumlah pampasan jika anda memilih
market value
atau
agreed value
:

Market value

Sum insured
 mengikut
market value
ketika
renew
insurans: RM20,000

Jumlah pampasan
total loss
: RM12,000 (mengikut
market value
 kereta ketika kejadian)

Untuk makluman anda, jika
sum insured
 kereta anda kurang daripada
market value
 pada masa kerugian, syarikat insurans anda hanya akan menanggung sebahagian daripada kerugian mengikut nisbah perbezaan antara
market value
 dan
sum insured
. Walaubagaimanapun, ini hanya akan terpakai jika jumlah terkurang diinsuranskan (
under-insurance
) melebihi 10% daripada
 market value
.

Agreed value

Sum insured
mengikut
agreed value
ketika
renew
insurans: RM20,000

Jumlah pampasan
total loss
: RM20,000 (tidak terjejas oleh
market value
 kereta ketika kejadian)

Seperti yang anda dapat lihat, jumlah pampasan
total loss
akan mengikut
sum insured
kenderaan anda, jika anda memilih
agreed value
.

Untuk pengetahuan anda, tidak semua syarikat insurans menawarkan
sum insured
mengikut
agreed value
. Salah sebuah syarikat insurans yang menawarkan
sum insured
mengikut
agreed value
ialah Allianz. Sebagai contoh, jika anda memilih
agreed value
sebanyak RM20,000 iaitu nilai yang dipersetujui oleh anda dan Allianz, anda akan menerima pampasan sebanyak RM20,000 sekiranya kereta anda
total loss
, walaupun
market value
kereta anda telah susut.

Prosedur tuntutan insurans kereta
total loss

Prosedur di peringkat awal untuk membuat tuntutan insurans sekiranya kereta anda
total loss
adalah sama seperti
prosedur untuk membuat tuntutan insurans kereta kemalangan
. Namun begitu, anda perlu menyertakan beberapa dokumen dan item tambahan sekiranya kereta anda disahkan
total loss
oleh syarikat insurans.

Prosedur am tuntutan insurans kereta

Hubungi syarikat insurans
 untuk melaporkan kemalangan serta mendapatkan
khidmat tunda
 ke
bengkel panel
Ambil gambar kenderaan, kenderaan lain yang terlibat (jika ada) serta tempat kejadian dan catat maklumat lengkap termasuk nombor pendaftaran dan
roadtax
 kenderaan
Buat laporan polis dalam tempoh 24 jam
Lengkapkan borang tuntutan atau
claim form
serta surat akuan
Serahkan dokumen yang telah dilengkapkan beserta dokumen berikut kepada bengkel panel untuk dilanjutkan kepada syarikat insurans anda:
Laporan polis (salinan asal)
Polisi atau nota perlindungan insurans (salinan)
Geran atau sijil pemilikan kenderaan
 (salinan)
Kad pengenalan pemegang polisi (salinan)
Lesen memandu pemegang polisi (salinan)
Kad pengenalan pemandu (salinan) – sekiranya anda tidak memandu kenderaan anda ketika kejadian
Lesen memandu pemandu (salinan) – sekiranya anda tidak memandu kenderaan anda ketika kejadian
Salinan surat akuan
Kenyataan daripada pemandu (jika boleh)
Gambar kenderaan dan tempat kejadian
Bengkel panel serta
adjuster
insurans akan menilai kerosakan dan membuat anggaran kos pembaikan dan alat ganti

Prosedur tambahan untuk tuntutan insurans kereta
total loss

Sekiranya kereta anda
total loss
, tuntutan perlu dibuat di bawah
Own Damage Claim
. Setelah syarikat insurans meluluskan tuntutan
total loss
dan membuat penawaran jumlah pampasan dan anda bersetuju dengan pampasan yang ditawarkan, anda perlu menyertakan dokumen-dokumen tambahan di bawah:
Borang Penyata Pertukaran Milikan Kenderaan Motor Selain Daripada Pindah Milik Secara Sukarela Oleh Pemunya Berdaftar (
JPJ K3A
) (dua salinan)
Borang Permohonan Pembatalan Pendaftaran Kenderaan (
JPJ K1C
) (salinan) – jika berkenaan
Polisi insurans (salinan asal)
Geran atau sijil pemilikan kenderaan (salinan asal)
Surat pelepasan daripada syarikat sewa beli – jika berkenaan
Salinan kad pengenalan (disahkan oleh Pesuruhjaya Sumpah)
Kunci kenderaan asal (dua set)
Seterusnya, syarikat insurans anda akan membuat pembayaran kepada anda
Sekiranya kereta anda masih mempunyai hutang dengan bank, pihak insurans akan membuat pembayaran kepada bank tersebut mengikut jumlah pampasan yang dipersetujui. Sebagai contoh, jumlah pampasan yang diluluskan ialah sebanyak RM20,000. Sekiranya hutang kereta anda ialah sebanyak RM30,000, pihak insurans akan membayar RM20,000 kepada bank anda sementara anda perlu menjelaskan baki RM10,000 kepada bank anda mengikut ansuran bulanan yang ditetapkan. Jika jumlah pampasan melebihi hutang kereta anda pula, anda akan menerima baki pampasan setelah ditolak pembayaran kepada bank anda

*Penafian:
Dokumen yang diperlukan mungkin berbeza antara satu syarikat insurans dengan yang lain. Sila hubungi syarikat insurans anda untuk mendapatkan proses dokumentasi terperinci.

Jika kenderaan anda dipandu orang lain dan terlibat dalam kemalangan sehingga
total loss
, bolehkah
claim
insurans?

Ya. Sama ada kemalangan tersebut berpunca daripada anda atau pemandu kereta anda, anda boleh
claim
daripada insurans anda.

Walaubagaimanapun, jika pemandu tersebut tidak dinamakan di dalam polisi anda atau anda tidak mempunyai
perlindungan semua pemandu
 (
all driver coverage
), anda perlu membayar dahulu
ekses
 wajib sebanyak RM400 kepada syarikat insurans anda.

Pilih insurans kereta terbaik

Kesimpulannya, sekiranya kereta anda mengalami kemalangan sehingga tidak boleh dibaiki lagi atau kos anggaran pembaikan melebihi nilai tunai sebenar kereta anda, itu bermaksud kereta anda
total loss
.

Jika kenderaan anda dilindungi polisi komprehensif, anda bernasib baik kerana anda boleh menuntut pampasan daripada syarikat insurans anda. Perit dibayangkan jika kereta anda sudah tidak dapat digunakan, tetapi anda masih terikat dengan hutang bank. Jika anda mendapatkan polisi komprehensif, sekurang-kurangnya, syarikat insurans anda dapat membayar pampasan kepada bank anda.

Jika anda ingin
renew
insurans kereta anda, guna sahaja platform Bjak untuk
renew
insurans secara
online

sepenuhnya. Bandingkan sehingga 15 syarikat insurans dan dapatkan pelan yang terbaik untuk anda. Dapatkan
sebut harga insurans kereta secara percuma
 di Bjak dalam hanya 3 minit.


3月1日起可申请购买儿童安全座椅补贴

相信很多人都听闻过类似的不幸事件：儿童因缺乏安全装置导致在车祸中身亡或严重受伤，比如：
飞脱母怀抱 撞车女童抛车外死
、
满月婴被抛出车 少妇惨死
……看到这样的新闻，无不让人不胜唏嘘。

这些不幸事故暴露出许多本地父母在乘车时没有为孩童使用儿童安全座椅的问题，同时也可以看到我国人民缺乏安全意识。

根据大马道路安全院（MIROS）的调查显示，低于40%的家长会在车上配置儿童安全座椅给孩童，不少家长会选择把孩子抱在腿上。

事实证明，如果孩子没有被安置在适当的儿童安全装置上，一旦发生车祸，车内的儿童受伤或死亡的几率比有使用安全装置的儿童来得更高。

根据MIROS的多项研究显示
，国内孩童涉及交通事故死亡率极高，每53名涉及车祸的孩童中，有31人或58%死亡，因为在碰撞时，体重低于7公斤的孩童，向前抛的冲撞力相当于成年人从5楼坠落。

MIROS也指出，1至4岁的孩童使用安全座椅，将能降低54%至80%的死亡风险，4至7岁孩童的死亡率也能降至59%。

Contents =

大马交通部：强制规定儿童乘坐儿童安全座椅
B40 家庭购买儿童安全座椅可获得 50% 或高达 RM150 的补贴
申请条件
如何申请补贴？
如何查看申请结果？
别让孩童成为牺牲者

大马交通部：强制规定儿童乘坐儿童安全座椅

2020年1月1日起，
大马交通部强制性规定所有身高135公分或以下的儿童
，乘车时必须坐儿童安全座椅。此外，儿童安全座椅需符合欧洲EN ECE R44/04和R129儿童安全座椅认证。

以下是
百格
根据马来西亚道路安全研究所（MIROS）提供的儿童安全座椅使用指南：

资料来源：
百格Pocketimes

想要知道如何正确使用安全座椅，可观看视频：
https://www.youtube.com/watch?v=FG1a50JmHAo

B40 家庭购买儿童安全座椅可获得 50% 或高达 RM150 的补贴

为了确保人民在车内使用儿童安全座椅，政府通过 2022 年财政预算案拨出 50% 或高达 RM150 的补贴，让 B40 家庭购买儿童安全座椅。

如果儿童安全座椅的价格在 RM300 或以下，民众将可享有 50% 的补贴；如果价格在 RM301 或以上，民众将可获得最高 RM150的补贴。

根据财政部长东姑拿督斯里扎夫鲁东姑阿都阿兹的说法
，政府已拨出 3000 万令吉用于这项补贴，这将使 188,000 个 B40 家庭受益。

申请条件

申请人必须满足以下的条件才能申请补贴：

属于 B40 家庭
21岁及以上
有一个 12 岁及以下的孩子或领养/寄养的孩子
居住在马来西亚的公民
1个家庭只能申请1个儿童安全座椅补贴

如何申请补贴？

如果想要申请这项补贴，申请人必须通过
www.mycrs.gov.my
 提交申请。

该网站将于 2022 年 3 月 1 日起开放申请。

如何查看申请结果？

从 2022 年 4 月 1 日起，您可以通过
www.mycrs.gov.my
 查看您的申请结果。

如果您的申请获得批准，您可以通过 MIROS 网站上所列出的授权卖家以折扣价购买儿童安全座椅来兑换补贴。

MIROS 将批准已接受儿童乘员安全顾问 (COSA) 培训的商店和供应商。这是为了确保买家了解在车内安装儿童安全座椅的正确方法。

别让孩童成为牺牲者

相信没有父母愿意拿孩子的生命来冒险。购买儿童安全座椅的费用可能是一种负担，但请尽量为孩童安装基本的儿童安全座椅。

如果符合条件，请从 3 月 1 日开始申请购买儿童安全座椅的补贴。这项补贴将会在一定程度上减轻您的经济负担。

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

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：

儿童安全座椅比”baby on board”标志更重要
正确使用儿童安全座椅，勿放前座！
独留孩童在车内 家长或判坐牢20年


When Is The Right Time To Renew Insurance?

Owning a car means you will be bound to some important commitments. Let us list down a few: monthly instalment payments to the bank (the period depends on the agreement), annual car services, and last but not least – renewing
car insurance
 and
road tax
 every year.

Everything on the list falls under priority. But in this article, we would like to explain insurance renewal.  The Road Transport Department (JPJ) has made it compulsory for every vehicle owner to renew it annually.

However, when should you renew it? Is there any particular timeframe that you should be following? Read on as we discuss the matter.

Contents =

When should you renew car insurance?
How to check the expiration date for an insurance policy
What happens if you delay renewing insurance?
Insurance premium increases
NCD rate decreases
Renew insurance before it expires

When should you renew car insurance?

Do you have to renew insurance despite buying a second-hand car? Yes, you are required to renew it every year.

Car insurance protects against third-party liability and in case of untoward events. Examples are accidents, fire, and theft.

To renew your insurance, you can do it
as early as two months before the expiration date
. You may get a reward discount for renewing early, thus lower insurance premiums.

Make sure you renew your insurance before the expiration date to avoid summons.

How to check the expiration date for an insurance policy

What is in store if you are late or skip renewing insurance?

You will be liable for summons at a roadblock for driving without a valid licence. Some people would use common excuses to escape the situation. Examples of cliches baits are:

“
I did not realise the expiration date
“, or “
I forgot to renew
“.

You can check the expiration date through:

Check the expiration date in the policy

Check the policy or insurance cover note to confirm the expiration date.

For further ease, you can keep the cover note and policy in digital form. You may either scan the document or snap a photo as copies.

Check online

Secondly, if you prefer an easy way, you can check it online using I-Search at MyCarInfo. No service is charged.

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

Insurance provider
Type of cover
Status of insurance policy

What happens if you delay renewing insurance?

Insurance premium increases

Your insurance premium will increase upon late renewal past the expiration date. Some insurance companies may charge a higher premium if your insurance has expired.

Hence, the best time to renew insurance is as early as two months before it expires. In addition, your clean records every year may get you a good discount. Who knows?

NCD rate decreases

To your knowledge, each NCD can remain for only a year.

Your delay in renewing insurance (exceeding the expiration date – usually a year and above) will affect the percentage of your accumulated NCD rate over the years.

Example:

Say if your NCD has reached 55%. However, you have not renewed your insurance for a year. As a result, your NCD will reduce to 45% and continue to decrease for as long as you do not renew.

Renew insurance before it expires

Make sure to renew your vehicle insurance before it expires to prevent losses. Gap insurance also means that your vehicle is not covered. Should anything happens to your vehicle during the period you do not renew the insurance, you will not be able to claim for the damage. So be careful!

In brief, always check your expiration date. Renewing insurance has been made a breeze today, thanks to the internet! You can do it online at Bjak for a speedy service. Kindly visit Bjak’s website now to get up to 15 quotes and choose the lowest one!

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:

What Happens If You Skip Your Car Insurance Renewal?
‘How Do I Find Out My Car Insurance Expiry Date?’


Car Insurance: Compulsory Excess Explained

In a
car insurance policy
, you will come across a term or clause named “excess.” So what does excess in car insurance mean? We shall explain the term excess, including compulsory excess, in this article.

Contents =

What is excess?
Types of excess
Voluntary excess
Compulsory excess
Do policyholders get a refund on compulsory excess?
Waiver of compulsory excess
How much does the waiver of compulsory excess cost?
Do all insurance companies offer waivers of compulsory excess?
Understand your insurance policy

What is excess?

Excess is the first payment you need to make when you claim your insurance
 before your insurer covers the remaining amount. You will have to pay an excess
even
when you are not at fault
.

However, note that excess does not apply to any loss or damage caused by fire, explosion, lightning, burglary, housebreaking, theft, third-party property damage or bodily injury claims.

Types of excess

There are two types of excess which are
compulsory excess
 and
voluntary

excess
.

Let us go through the meaning of each excess type.

Voluntary excess

Voluntary excess is
the amount you volunteer to pay when you make a
car insurance claim
.
Though some insurers require voluntary excess, some insurers do not impose voluntary excess. However, your insurance premium may be higher. For your information, the amount of voluntary excess varies across insurers.

There are several reasons as to why you are required to pay for excess:

The vehicle owner is below 21 years old
A high risk of the car being stolen
An old vehicle

The excess amount is a certain percentage of the car sum insured.

Compulsory excess

For a compulsory excess, before you can make an insurance claim, you will have to bear an excess fixed at RM400, if you or the person driving your car with your consent:

Is below 21 years old
Holds a provisional (P) or Learner (L) driver’s license
Is not named in your insurance policy as a named driver

Example:

Aida runs into an accident while driving her father’s car. Although Aida is the named driver of the car, her father still has to pay the compulsory excess of RM400 as she is below 21 years old.

Do policyholders get a refund on compulsory excess?

Policyholders must pay the compulsory excess of RM400 for the situations mentioned above. Therefore, the money will not be refunded to the policyholders even if they are not the party at fault.

Waiver of compulsory excess

Even though it is mandatory to pay compulsory excess, some insurers offer waivers of the excess as additional coverage for comprehensive policyholders.

The waiver of compulsory excess will relieve the financial burden of the policyholders.

Example:

Let us consider the situation experienced by Aida in the earlier example. With the waiver of compulsory excess, Aida’s father will not have to pay for the RM400 excess as he is exempted from it.

Refer to our visual below for a better understanding:

The total amount of the accident claim caused by Aida is RM3,000
.

How much does the waiver of compulsory excess cost?

The additional premium for the waiver of compulsory excess is only between RM20 to RM30 for private cars. Instead of paying RM400 for the excess, we recommend that you get this additional coverage to save your money.

Do all insurance companies offer waivers of compulsory excess?

Not
 all insurers offer this additional coverage in their comprehensive policy.

If you are looking to get this add-on coverage, MSIG, Liberty Insurance, and Tokio Marine are among the insurance companies that offer this coverage.

In addition, some insurers offer waivers of compulsory excess for their comprehensive policyholders for
free
 such as Takaful Ikhlas.

Understand your insurance policy

As a car owner, it is crucial that you understand the important clauses in your policy to ease your insurance claim in the future. For instance, if you are not aware of the excess clauses in your policy, you may question why you have to pay RM400 when making an insurance claim where you are not at fault.

Besides, understanding the important insurance clauses will help you secure a better and cheaper insurance plan. This is because not all insurance companies offer similar additional coverages for car insurance.

Hence, it is always best that you
compare car insurance
 policies before you purchase any insurance plan. For your convenience, you can compare up to 15 insurance brands at one of the largest insurance comparison sites in Malaysia, Bjak. Start by getting your
free

car insurance quotes
 online at Bjak.my today.

Get Quote

Read more:

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


想省钱？及时更新保险很重要！

不管你开的是新车还是二手车，只要作为一名车主，就有必要每年更新汽车保险。这样做除了可以确保这次在路上合法行驶，最重要的是万一发生意外时，也有个保障。

如果车险已经过期没有更新，那你不仅不能更新路税，还可能面临这些风险和后果！

索取报价

Contents =

无法更新路税
遭执法当局开罚单
无索偿折扣率（NCD）受影响
经济负担更重
什么时候更新汽车保险最好？

无法更新路税

一定要记住！你的汽车保险和路税是相辅相成，缺一不可。若没有有效的车险，就无法在陆路交通局（JPJ）更新路税了。所以，一般上我们都建议在更新车险时，一并更新路税，这样就不用担心被开罚单啦！

遭执法当局开罚单

根据1987年陆路交通法令，每辆汽车都必须拥有有效的车险和路税，才能在路上行驶。若是没有车险，一旦被取缔，将面对不超过RM1000的罚款，同时驾照也会被吊销12个月。与其花钱付罚单，还不如乖乖更新车险。此外，一旦发生意外，车主在没有保险保障下，就必须自掏腰包承担维修费。

无索偿折扣率（NCD）受影响

若是没有在规定期限内更新汽车保险，将会导致无索偿折扣率减少。举个例子，如果你的车子的无索偿折扣率是55%，但如果你没有更新车险一年后，你的无索偿折扣率就会下降至45%，以此类推。

经济负担更重

你以为不更新车险就是车险？万一发生意外，车子损坏，可是要自掏腰包承担维修费，这笔维修费分分钟笔你的保费更高。另外，当你车险失效，保险公司也会将你归类为“潜在高风险车主”，这意味着你接下来需要支付更高的保费。还有，如果保单过期时间太长，保险公司也有权拒绝你投保。

什么时候更新汽车保险最好？

我们建议你在汽车保险过期的两个月前就更新汽车保险。要知道，如果车险已经过期才来更新，一些保险公司可能会征收更高的保费。所以，提前更新，可避免支付更高的保费。

今天就到
全马第一的线上更新车险平台——必佳Bjak
，只需输入资料就能获取15家保险公司的报价，可根据自己的需求和可负担的价格做出选择。若觉得一次过付款太重本，还能选择【先买后付】，分期3个月零利息，非常方便！现在就到必佳了解更多，索取报价！

索取报价


Can You Renew Your Expired Roadtax Over 3 Years?

Have you still not renewed your long expired roadtax yet? Has it been a year, two, or three years already since it expired?

Can you still renew it? What should you do? Are there any penalties?

Read on as we share more information regarding road tax expiry and renewal.

Get Free Quote

Contents =

Puspakom inspection for expired roadtax exceeding 3 years
Steps required to renew expired roadtax (above 3 years)
Book an appointment with Puspakom
Make sure your vehicle is in good condition
Get a temporary travel permit
Inspection day
Renew roadtax & insurance at Bjak

Puspakom inspection for expired roadtax exceeding 3 years

Previously, the original grace period for an expired road tax before the
Pusat Pemeriksaan Kenderaan Berkomputer
 (PUSPAKOM) inspection was mandatory for one year.

Starting September 2021,
private cars and motorcycles with expired road tax for a period of no more than three years will be able to renew their road tax without having to undergo a Puspakom inspection
. The relaxation was made following financial constraints faced by vehicle owners in light of the Covid-19 pandemic.

If your vehicle road tax has exceeded 3 years/36 months, your vehicle must undergo and pass the necessary inspection by Puspakom.

The inspection is compulsory to ensure that your vehicle is still in a good condition and safe to be used on the road.

Steps required to renew expired roadtax (above 3 years)

The followings are the steps before you may proceed to renew your roadtax and insurance.

Book an appointment with Puspakom

The Puspakom inspection is compulsory as a condition to renew your vehicle road tax that has expired more than 3 years old.

Note that you can only renew your road tax at Puspakom through an appointment. You are not allowed to walk in without a prior appointment.

Visit
Puspakom’s official website
Click ‘Make an appointment now’
Choose the state and your preferred Puspakom centre
Choose date and time
Fill in your details and click ‘Book’
Complete. You will receive a confirmation email for the appointment

*Note: Please set the appointment 2 days earlier before the inspection date

Make sure your vehicle is in good condition

Make sure your vehicle is in good condition. You may want to avoid any trouble to ensure your vehicle can pass the Puspakom inspection at ease!

As such, please check your car headlights, tires, brake, and others.

Get a temporary travel permit

Some may feel that this is unnecessary and the procedure is time-consuming. Therefore, they prefer to skip this step and just drive illegally without a valid road tax.

Beware, you may not want to test your luck and get summoned on a roadblock for driving without an active road tax.

Therefore, we advise you to be a responsible driver by getting the permit first.

You can go to any nearby JPJ branch to request a
temporary travel permit at JPJ
. You will need to fill in the form (JPJ K12). For your convenience, you may download the form (JPJ K12) from the JPJ website before coming to the branch.

Other than that, you will need to provide these documents:

Original vehicle grant
MyKad
Driving licence

Inspection day

On the inspection day, make sure you bring the necessary documents:

Vehicle grant
MyKad
Driving licence
Temporary travel permit.

You need to register at the counter first, make payment and wait until the inspection is complete. Usually, the procedure will include an inspection of the brake, signal lights, and others.

You will receive the inspection report/certificate on the same day if your vehicle passes the examination. Upon receiving the certificate, make sure you renew your vehicle road tax within 30 days.

But if your vehicle failed the examination, you may come again to sit for a re-examination within the next 30 days. Please make sure you identify your car problem in the first place and take the necessary step to repair it before the inspection.

Renew roadtax & insurance at Bjak

Once you have completed the steps, you may proceed with the renewal process! You may choose to renew it physically by going to a nearby JPJ branch or post office to do so.

For your convenience, you can renew it instantly through an online platform like Bjak!

Renew your vehicle road tax and insurance at once from anywhere you like in just 10 minutes at Bjak. There are more than 10 top insurance companies in Malaysia for you to choose from.

Do compare across insurers to enjoy more savings!
Receive a free quote in just 3 minutes only
.

Get Free Quote

Also read:

PUSPAKOM Vehicle Inspections: What You Need To Know
How To Renew Roadtax: Bjak, MyEG, MySikap, JPJ
What You Need To Know About Roadtax
Roadtax Renewal: Frequently Asked Questions


Travel Insurance Claims: How To Avoid Rejection

Travel insurance
 can sometimes be hard to claim, even if you follow all the procedures and terms and conditions of your policy. Because insurers look for several aspects before approving a claim, you must be familiar with the claims process. Let’s have a look at some of them in this article.

Contents =

Declare pre-existing medical condition
Notify the insurer of any changes
Contact the insurer as soon as possible
Know what information you need to provide
Get the policy when you book your trip
Travel to a safe country
Check what is covered
Travel insurance claims

Declare pre-existing medical condition

Declaring your pre-existing medical condition is a must when buying travel insurance. Failure to do so can result in your claims being rejected or your policy voided.

Do not assume that the policy covers a condition that you may have. If you have doubts, check with your insurance provider about the type of medical condition they can cover. Also, do not lie about your medical condition! This can lead to unwanted problems when you’re submitting a claim.

Notify the insurer of any changes

Keep your policy up to date with the changes to your health. If you have been diagnosed with a new condition after purchasing the insurance, inform the insurer. This ensures the provider knows your current medical status and can assist should a medical emergency arise while you’re on holiday.

Contact the insurer as soon as possible

If you fall sick abroad, but it is not an emergency, remember to contact the insurer before receiving treatment. By doing so, the insurer can guide you on the available medical facilities near you and confirm what your travel insurance covers.

Keep supporting documents such as medical certificates, receipts, and prescriptions as proof to support your claim later.

Know what information you need to provide

Remember to provide accurate information when making an insurance claim. You can submit your claim online or manually by filling in a form. For medical-related claims, include documents signed by a certified doctor confirming your treatment during vacation.

Get the policy when you book your trip

One of the perks of purchasing travel insurance with your ticket is trip cancellations. Most other times, you aren’t compensated if you plan to cancel your trip suddenly. Also, if you have an annual travel insurance policy, ensure it stays active during booking to cancel your trip at your convenience.

Travel to a safe country

Though it may seem obvious, you must travel to safe destinations for vacation, so your insurer can provide cover without any problems. Avoid countries at war, have ongoing riots or natural disasters, and have humanitarian crises such as endemics, health emergencies, or an outbreak.

Check what is covered

Make sure you read the fine print of your insurance policy carefully to understand the scope of coverage. To avoid possible misunderstandings, always keep a copy of your policy on your mobile device for quick reference when needed.

Travel insurance claims

Getting your claims rejected is certainly not a good feeling. Not knowing the ins and outs of your insurance policy can cause such rejections. So, be sure to take note of the pointers mentioned above to navigate the claims process.

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:

Travel Insurance FAQ: Answers To Your Questions
Travel Insurance For Bus:
Why You Need It?
MyEG Roadtax Renewal Guide For Beginners


Perkara Yang Perlu Diisytiharkan Ketika Beli Insurans Perjalanan

Biasanya ketika ingin membeli insurans perjalanan, sesetengah daripada kita mungkin masih teragak-agak untuk mengisytiharkan maklumat tertentu dan memberikan info yang tepat, terutamanya membabitkan penyakit sedia ada atau
‘pre-existing illness’
.

Sebenarnya, adalahnya sangat penting untuk memastikan bahawa segala maklumat yang dinyatakan/ diisi ketika pembelian insurans tepat agar tuntutan insurans anda berjalan lancar di kemudian hari.

Dengan mengisytiharkan keadaan perubatan anda pada polisi, insurans perjalanan sekurang-kurangnya boleh melindungi anda sekiranya perlu membatalkan perjalanan akibat daripada keadaan perubatan anda, atau memerlukan rawatan perubatan di luar negara.

Contents =

Apakah keadaan perubatan yang perlu anda isytiharkan ketika beli insurans perjalanan?
Apakah keadaan perubatan yang biasanya dilindungi pihak insurans?
Perlukah anda maklumkan kepada syarikat insurans tentang sebarang perubahan pada keadaan perubatan anda?

Apakah keadaan perubatan yang perlu anda isytiharkan ketika beli insurans perjalanan?

Anda perlu mengisytiharkan semua keadaan perubatan sedia ada semasa ingin mengambil insurans perjalanan. Kegagalan anda untuk menyatakan tentang keadaan perubatan anda bermakna anda berisiko untuk melancong tanpa perlindungan yang sah dan lebih teruk, tuntutan anda juga berisiko besar untuk ditolak.

Meskipun anda mungkin beranggapan penyakit anda itu adalah ringan sahaja dan tidak akan mendatangkan sebarang masalah ketika melancong, anda tetap perlu isytiharkannya ya.

Bahkah jika anda pernah mengalami mana-mana keadaan penyakit yang berikut, pastikan anda isytiharkannya pada insurans perjalanan anda:

Keadaan kardiovaskular – termasuk tekanan darah tinggi atau kolesterol
Sebarang masalah/  keadaan jantung
Strok atau serangan iskemia sementara (TIA)

Perlu anda fahami, keadaan perubatan sedia ada bermaksud sebarang keadaan perubatan masa lalu atau semasa (terkini) di mana anda mengalami mana-mana yang berikut dalam dua tahun lepas:

Simptom
Rawatan
Ubat yang ditetapkan
Rundingan perubatan
Rawatan susulan

Jadi, contohnya jika anda mengalami masalah kardiovaskular atau peredaran darah dalam tempoh sebelum membeli insurans atau sebelum percutian dimulakan, adalah sangat penting untuk anda memberitahu syarikat insurans mengenainya.

Apakah keadaan perubatan yang biasanya dilindungi pihak insurans?

Ia mungkin berbeza-beza mengikut pelan serta syarikat insurans. Namun, antara penyakit yang lazimnya dilindungi di bawah insurans perjalanan adalah:

Sakit sendi
Asma
Kanser payudara
Kanser
kencing manis
Epilepsi
Keadaan jantung
Hernia
Darah tinggi dan kolesterol tinggi
Batu karang
Sklerosis berbilang

Perlukah anda maklumkan kepada syarikat insurans tentang sebarang perubahan pada keadaan perubatan anda?

Ya, adalah sangat penting untuk anda memberitahu syarikat insurans tentang sebarang perubahan pada keadaan kesihatan atau perubatan anda. Ia termasuk diagnosis baharu supaya polisi anda boleh melindungi anda untuk semua yang anda perlukan sebelum anda bertolak untuk bercuti nanti.

Meskipun menambah keadaan perubatan baharu pada polisi anda mungkin memerlukan kos tambahan, tetapi kebaikannya adalah anda akan dilindungi jika mengalami sebarang keadaan perubatan kecemasan ketika sedang bercuti!

Bjak merupakan platform perbandingan insurans terbesar di Malaysia dan telah dipercayai lebih 3 juta pengguna. Dapatkan
sebut harga percuma
 di Bjak hari ini
dan beli insurans anda ikut keperluan dan bajet.

Semak sebutharga

Baca juga:

Pilih Insurans Perjalanan? Tanya Dulu Diri Anda 4 Soalan Ini
Insurans Perjalanan – Apakah Ciri Polisi Yang Terbaik?
Cara Jimat Beli Insurans Perjalanan


What To Do If Your Car Breakdown On The Highway

A car breakdown can occur at any time, even when you drive.

It is common to panic when your car suddenly comes to a halt, moreover if it is your first time experiencing it. So, what must you do in the event of a car breakdown?

Should you continue to drive and put yourself at risk? Or should you stop the car to take a quick check on the damage?

Read on as we share tips and necessary steps that you should take if your car breaks down while on the road.

Contents =

Tips for car breakdown while driving
Slow down vehicle, turn on hazard lights
Push the car
Wear high visibility (safety) vest
Display a warning triangle
Check your vehicle
Seek roadside assistance from your insurance company
Call 15550
Get towing service assistance
What causes quick damage to cars?
Don’t panic if your car breaks down!

Tips for car breakdown while driving

Slow down vehicle, turn on hazard lights

Make sure to slow down your car if the car seems off while driving. Do not forget to use hazard lights to let other motorists notice your car situation.

Avoid a sudden brake. Move your car slowly to the left lane to avoid traffic congestion.

Keep the danger warning light on even if the car has stopped or is parked on the side of the road.

Push the car

What if the car stops in the middle of the highway? Try to push the car to the roadside (if you can). Doing so will help to ensure the traffic flow unbothered.

Use your left shoulder to move the car while controlling the steering wheel with your right hand.

Please seek help from the others if you cannot push the car alone.

Wear high visibility (safety) vest

The high visibility vest is a mandatory safety element in every vehicle. You can wear the vest before getting out of the car when it breaks down, preferrably at night or during bad weather.

The vest will help make you more visible to other people on the road and prevent any untoward incident.

Display a warning triangle

Make sure you keep a warning triangle in your car to be used at such times. You will have to place the warning triangle on the road at least 45 meters behind your vehicle on the same side of the road to signal other road users.

Check your vehicle

Check your car damage as an early measure. You may open the front bonnet of your car to find out the problem.

Seek roadside assistance from your insurance company

Roadside assistance offers various services and varies among insurers. Their assistances include repairing (jumpstart, flat tyre replacement, and gas delivery), towing service, and others.

For example, if your car runs out of fuel, you may contact your insurer. Phone their hotline number to seek gas delivery service. However, please check your assistance coverage as the service offered varies across insurance providers.

To your knowledge, roadside assistance is usually made available to comprehensive policyholders only. You may purchase additional roadside assistance coverage if your policy does not cover it.

Call 15550

You may also dial Accident Assist Call Centre (AACC) at 15500 to get immediate help in the event of a car breakdown. This service is offered under Insurance Industry and Takaful Malaysia.

The hotline is available for 24 hours and covers other services as followed:

Roadside Emergency Assistance
Towing Service (to be paid by you)
Assistance to review coverage and connect you with the insurance company
General vehicle insurance claim inquiries
Accident procedure investigation
Notification of Complaint
Notification of any fraud

Get towing service assistance

Comprehensive policyholders can usually enjoy benefits and towing service assistance for free. Call your insurance company to inform your car breakdown situation.

You can request towing service to help tow your car to the workshop.

To your knowledge, most insurance companies offer towing service benefits for free (limited distance and coverage amount). If your workshop’s location exceeds the set distance, you will have to pay for the remaining balance.

Do not use a private towing service. Their services are usually more expensive than your insurance company.

Please refer to our previous article to learn more about towing service assistance.

What causes quick damage to cars?

Several factors may cause your car to break down frequently. The followings are the ‘unhealthy habits’ that most drivers often do while driving.

Do not warm up the car engine before driving
Often press the brakes when going downhill
Only refuel when the tank is almost depleted
Ignore the unusual noises in the car
Rest your hands on the gear often

Note that your car may also be prone to break down due to failure to perform car maintenance according to the proper period.

A regular car service is vital to ensure your car performs at an optimum level. Read our previous article to learn more about car maintenance service tips that every driver should know.

Don’t panic if your car breaks down!

Car breakdown may happen regardless of place and time. Please do not panic if this situation happens to you. Follow these shared tips to help you manage the situation better.

Make sure to service your car regularly to prevent any possible damage. Do not take this matter lightly for your safety on the road.

Meanwhile, ensure the validity of your vehicle insurance to enable you to get access to roadside assistance from your insurer in case of any untoward incident.

We advise you to purchase comprehensive insurance for your car. For your convenience, visit Bjak to compare across 15 insurance companies. Get a free quote in just 3 minutes.

Get A Quote

Also read:

What Is Roadside Assistance? Do You Need It?
Emergency Hotlines Of Car Insurance Companies
Make Sure To Have These 11 Items In Your Car Emergency Kit!
Car Maintenance Routines Every Driver Should Do


别成为克隆车集团受害者！

克隆车（Clone car），又称复制车，与原车高度相似，不但车牌、车型、引擎号码、颜色与原车相同，连车辆持有人的身份证、驾驶执照等都高度相仿。

由于克隆车的车价比市面上便宜一倍或数倍，
因此深受购车族欢迎
，也因此导致我国克隆车问题日益严重。据大马陆路交通局透露，在2015年共充公了1290辆克隆车。

Contents =

什么是克隆车/复制车？
一条龙服务低价出售克隆车
非法车换报销车底盘号码 克隆车集团首脑落网
购买克隆车会有什么后果和风险？
拥有克隆车会面临什么刑罚？
如何避免买到克隆车？
当一名精明消费者

什么是克隆车/复制车？

不法集团从邻国购买来历不明的二手车、报失车或报废车，然后寻找一辆外表和颜色几乎一样的合法轿车，伪造文件或盗用该轿车的合法身份，如路税、车卡、车牌等，套用在来历不明的二手车或报废车等轿车上，再转售卖出。

他们一般在社交媒体寻找买主，克隆车价比市面同款车子便宜，如价格超过7万令吉的二手本田思域，仅售6900令吉。

一条龙服务低价出售克隆车

他们通过各种各样的分期付款配套
，如低分期付款和短暂还款期“双好康”，吸引购车族低价购买新加坡报废的豪华“克隆车”。

据《马来西亚前锋报》记者向一名“克隆车集团”中介了解后发现，除了全额付款的方式，顾客也可以选择每月缴付低至300令吉的租赁配套（为期不超过4年，按车款）拥有一辆车子。

这名中介透露，其公司拥有超过100种类型的汽车，包括马赛地、宝马、丰田等。顾客若有意购买，必须准备近千令吉、大马卡、驾驶执照和其他账单作为抵押。

非法车换报销车底盘号码 克隆车集团首脑落网

2021年3月，
警方逮捕6名本地男子，起获19辆克隆车
。这6名男子皆来自克隆车集团，其中一名男子还是集团的首脑。

根据警方的资料，克隆车集团从非法管道取得大批车辆，比如：失车、来自新加坡的轿车，以及拖欠银行贷款的车辆，再换上报销轿车的汽车底盘号码以进行复制后，再以低价出售。

购买克隆车会有什么后果和风险？

由于克隆车使用另一辆车子的合法资料和证件“借尸还魂”，因此在陆路交通局系统内是没有任何资料记录的，因此车主无法更新路税，也没有车卡正本。

基于没有合法的文件及保险，克隆车一旦发生车祸，保险公司将不受保。此外，克隆车亦将损及原车主的合法权益，导致原车主在交通规则违法、意外事故处理等方面无辜受害。

另外，克隆车也容易成为犯罪工具，匪徒会利用克隆车进行盗窃或抢劫，使执法单位无法跟踪匪徒。

拥有克隆车会面临什么刑罚？

任何拥有克隆车的人都可能因拥有未注册车辆的罪行而受到起诉
。克隆车的车主可根据 1987 年道路交通法令第 7（1）条文被检控，罚款最少2,000令吉，以及不超过3万令吉。

不仅如此，如果被发现使用假车牌和他人车辆的路税，罪成可被判至少5000令吉，及不超过2万令吉，或监禁至少1年及不超过5年，或两者兼施。

除了被起诉之外，克隆车将被充公，克隆车的车主也将间接遭受比购买二手车或新车双倍的损失。

如何避免买到克隆车？

您可能永远不会打算购买克隆车，但是，您却有可能成为诈骗集团的受害者而在不知情的情况下购买了克隆车。

因此，为了避免您成为克隆车诈骗集团的受害者，在购买二手车时，请注意：

购买之前，您可以通过各种线上平台查询并比较价格，以
了解您所要购买的汽车的市场价格
。
如果您发现对方所提供的汽车价格比市场价格便宜太多，请停止交易。一般上，
克隆车的售价会比市场价格低50%
。
检查车辆识别号码（VIN）
并确保文件中列出的号码与您的汽车上列出的号码相同。
车辆识别号
可以在汽车的引擎盖、挡风玻璃和驾驶员座椅上看到。
避免以现金支付
。如果发现您买的是克隆车，警方将很难调查。
避免以大量现金支付抵押金
。
检查对方提供的所有文件。
如果对车辆状态有任何疑问，可到陆路交通局检查文件真伪或轿车引擎编号。
在进行买卖之前，请先
向卖家询问您要购买的汽车的注册号、生产年份和型号
。
避免向不明人士购买二手车
，最好从二手车经销商或授权的汽车经销商商店购买。

当一名精明消费者

如果您要买的是一辆新车，那么您将不会面临买到克隆车的风险。反之，如果您决定购买二手车，那么您就会面临买到克隆车的风险。

无论购买的是新车或二手车，您都应该做一个精明的消费者，小心查证汽车的来源，不急于购买，更不该贪小便宜。

在购买汽车之前，请
慎重考虑
。此外，您还必须知道，拥有一辆汽车还需要承担其他责任，比如每年
更新保险
和
路税
。

如果想要更新车险，您可以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：

网购二手车，小心被骗
购买二手车要考虑的10个因素
损害汽车的5个坏习惯
拥车族一定要知道的省钱方法
您是一名合格的车主吗？


汽车自动变速箱失灵前的征兆

引擎和变速箱（俗称牙箱）是汽车最昂贵的两个组成部份，不只是成本最昂贵，维修费也最贵，因此引擎和变速箱的保养成了大部分车主最关注的问题。

然而，引擎若出了问题，仪表盘上的引擎警示灯会亮起，但变速箱若除了问题，开车人士要如何知道呢？

Contents =

自动变速箱失灵前的征兆
换挡困难
有强烈的震动
RPM变高
引擎声音很大
车无法开动
仪表上的档位转到 N 或 D
为什么自动变速箱会损坏？
如何保养汽车自动变速箱？
定期检查及更换变速箱油
更换汽车变速箱滤清器
做一个谨慎负责的车主

自动变速箱失灵前的征兆

汽车变速箱的维修费可能高达数千令吉。因此，知道变速箱故障的前兆，或许可以让您在事情变糟糕之前就解决，从而省下庞大的维修费。

换挡困难

汽车变速箱损坏的早期迹象之一就是尝试换档时出现问题，或者档位难以进入，比如要开始驾驶时，换档的过程变得缓慢而不像往常一样。

有强烈的震动

当您想要换档，比如从 P 档到 D 档或 N 档到 D 档时，牙箱发出很响亮的震动声，请立即将汽车送到维修厂进行检查。

RPM变高

当汽车上的 RPM 读数上升到很高，即使换档后也不会恢复到原来的水平，也是表示汽车变速箱出现问题的前兆之一。

引擎声音很大

如果您发现汽车每次换档时引擎都发出很大的噪音，可能表示汽车变速箱中的离合器片已磨损或变薄。

车无法开动

在汽车启动后将挡位换成D或者R挡后，松开刹车，车辆没有任何反应，完全无法移动，这表示您的汽车变速箱已经严重损坏。

仪表上的档位转到 N 或 D

如果您发现仪表上的档位突然切换到 N 或 D，也可能是您的变速箱即将发生故障的迹象。这种情况实际上在驾驶中也非常危险，可能会损坏汽车变速箱的阀体。

为什么自动变速箱会损坏？

汽车自动变速箱损坏的原因包括：

没有更换汽车变速箱机油滤清器
没有按时更换黑油
没有检查变速箱油的油位
没有更换变速箱油

一般上，车辆在行驶20000公里后需要更换汽车黑油，以免对汽车变速箱造成严重损坏。

如何保养汽车自动变速箱？

保养自动变速箱并不容易，但您仍然需要细心呵护，以确保您的变速箱处于最佳状态，同时拥有较长的使用寿命。

定期检查及更换变速箱油

自动变速箱内注入的是一种叫ATF（Automatic Transmission Fluid）的润滑油，它的作用除了润滑降温，更主要的是要传递引擎和变速箱之间的动力。ATF机油的工作温度一般在120摄氏度左右，因此对机油的质量要求很高，还必须保持清洁。

如果您在开车换挡时发现震动很大，换挡速度比较慢，那就说明应该给变速箱换油了。一般建议最长12个月或2万公里更换一次自动变速箱油。

因为车子在使用过程中不断自动换齿轮，齿轮难免出现磨损，自动排挡润滑油剂会在变速箱的各部件外层“包”上一层保护膜，排挡移动时就会更顺畅，如果长时间没有换油，车子容易出问题。

目前较好的换润滑油方法是动态换油，采用专用的变速箱清洗设备，在变速箱运转的过程中，将旧油充分循环、排放干净后再加入新的变速箱油，从而使换油率高达90%以上。

更换汽车变速箱滤清器

如果长期不更换滤清器，会使滤清器因污垢沉积而堵塞，污染物就会直接进入变速箱，加剧变速箱各个零部件的磨损，油液的通过性变得越来越差，这时就算换了变速箱油也没有意义。

此外，过滤网上的杂质可能会进入新的油液重新参与变速箱油的循环，迅速污染了新油，减低了换油的效果。如果滤网已经堵塞，变速箱油就会不经过滤网而直接从滤清器的旁通阀提供给变速箱，这样变速箱滤清器根本起不到变速箱油过滤作用，从而降低变速箱的寿命。

因此，在定期更换变速箱油时，也别忘了更换变速箱的滤清器。如您不确定您的汽车变速箱是否有可更换的滤清器，请向专业的维修人员咨询。

做一个谨慎负责的车主

定期维修及保养汽车自动变速箱，以确保变速箱处于最佳的工作状态，同时延长其使用寿命。

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

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

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

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

延伸阅读：

延长汽车电池寿命的6个方法
您一定要知道的汽车警示灯
损害汽车的5个坏习惯
汽车无法启动的5个原因
您是一名合格的车主吗？


Road Tax Rates: Find Out How Much It Will Cost

Get ready to hit the road in Malaysia, but before you do, make sure you’re up to speed on the latest updates! It’s not just about driving skills and fuel in your tank, there’s one essential thing you can’t overlook: renewing your
roadtax
.

It’s a must-do for every vehicle user in the country, and failure to do so can land you in some serious trouble. But don’t’ worry let’s dive into this road tax rates guide and make sure you stay on the right side of the law while driving in Malaysia!

Get Free Quote

Contents =

What is road tax?
What will happen if you don’t renew your road tax?
Road tax rates
Private Registered Saloon Cars in Peninsular Malaysia
Company Registered Saloon Cars in Peninsular Malaysia
Company and Private Registered Non-Saloon Cars in Peninsular Malaysia
Company and Private Registered Saloon Cars in East Malaysia
Company and Private Registered Non-Saloon Cars in East Malaysia
Company and Private Registered Saloon Electric Vehicles
Company and Private Registered Non-Saloon Electric Vehicles
Motorcycles in Peninsular Malaysia
Motorcycles in East Malaysia
Electric motorcycles
How to renew road tax?

What is road tax?

In Malaysia, every vehicle owner is required to possess a road tax document in order to drive on the road. Neglecting to renew this tax document will lead to a penalty. The road tax rates are determined by considering factors such as the vehicle’s engine capacity, location, body type, and ownership.

What will happen if you don’t renew your road tax?

If you drive without a valid road tax, it is considered a serious violation and will lead to penalties imposed by the Road Transport Department Malaysia (JPJ). Moreover, in case of an accident, you will be unable to make an insurance claim unless you renew both your road tax and
vehicle insurance
 prior to that.

Road tax rates

Wondering how much you need to pay for your car’s road tax? Here is the price list:

Private Registered Saloon Cars in Peninsular Malaysia

Cubic Capacity (cc)
Base Rate
Progressive Rate (per cc)
1000 and below
RM20.00
–
1001 to 1200
RM55.00
–
1201 to 1400
RM70.00
–
1401 to 1600
RM90.00
–
1601 to 1800
RM200.00
RM0.40 (for every cc increase from 1600)
1801 to 2000
RM280.00
RM0.50 (for every cc increase from 1800)
2001 to 2500
RM380.00
RM1.00 (for every cc increase from 2000)
2501 to 3000
RM880.00
RM2.50 (for every cc increase from 2500)
3001 and above
RM2130.00
RM4.50 (for every cc increase from 3000)

Company Registered Saloon Cars in Peninsular Malaysia

Cubic Capacity (cc)
Base Rate
Progressive Rate (per cc)
1000 and below
RM20.00
–
1001 to 1200
RM110.00
–
1201 to 1400
RM140.00
–
1401 to 1600
RM180.00
–
1601 to 1800
RM400.00
RM0.80 (for every cc increase from 1600)
1801 to 2000
RM560.00
RM1.00 (for every cc increase from 1800)
2001 to 2500
RM760.00
RM3.00 (for every cc increase from 2000)
2501 to 3000
RM2260.00
RM7.50 (for every cc increase from 2500)
3001 and above
RM6010.00
RM13.50 (for every cc increase from 3000)

Company and Private Registered Non-Saloon Cars in Peninsular Malaysia

Cubic Capacity (cc)
Base Rate
Progressive Rate (per cc)
1000 and below
RM20.00
–
1001 to 1200
RM85.00
–
1201 to 1400
RM100.00
–
1401 to 1600
RM120.00
–
1601 to 1800
RM300.00
RM0.30 (for every cc increase from 1600)
1801 to 2000
RM360.00
RM0.40 (for every cc increase from 1800)
2001 to 2500
RM440.00
RM0.80 (for every cc increase from 2000)
2501 to 3000
RM840.00
RM1.60 (for every cc increase from 2500)
3001 and above
RM1640.00
RM1.60 (for every cc increase from 3000)

Company and Private Registered Saloon Cars in East Malaysia

Cubic Capacity (cc)
Base Rate
Progressive Rate (per cc)
1000 and below
RM20.00
–
1001 to 1200
RM44.00
–
1201 to 1400
RM56.00
–
1401 to 1600
RM72.00
–
1601 to 1800
RM160.00
RM0.32 (for every cc increase from 1600)
1801 to 2000
RM224.00
RM0.25 (for every cc increase from 1800)
2001 to 2500
RM524.00
RM1.00 (for every cc increase from 2000)
2501 to 3000
RM880.00
RM2.50 (for every cc increase from 2500)
3001 and above
RM1024.00
RM1.35 (for every cc increase from 3000)

Company and Private Registered Non-Saloon Cars in East Malaysia

Cubic Capacity (cc)
Base Rate
Progressive Rate (per cc)
1000 and below
RM20.00
–
1001 to 1200
RM42.50
–
1201 to 1400
RM50.00
–
1401 to 1600
RM60.00
–
1601 to 1800
RM165.00
RM0.17 (for every cc increase from 1600)
1801 to 2000
RM199.00
RM0.22 (for every cc increase from 1800)
2001 to 2500
RM243.00
RM0.44 (for every cc increase from 2000)
2501 to 3000
RM463.00
RM0.88 (for every cc increase from 2500)
3001 and above
RM903.00
RM1.20 (for every cc increase from 3000)

Company and Private Registered Saloon Electric Vehicles

Motor Output (W)
Base Rate
Progressive Rate (per 50W)
50000 and below
RM20.00
–
50001 to 60000
RM44.00
–
60001 to 70000
RM56.00
–
70001 to 80000
RM72.00
–
80001 to 90000
RM160.00
RM0.32 (for every 50W increase from 80000)
90001 to 100000
RM224.00
RM0.25 (for every 50W increase from 100000)
100001 to 125000
RM274.00
RM0.50 (for every 50W increase from 100000)
125001 to 150000
RM524.00
RM1.00 (for every 50W increase from 125000)
150001 and above
RM1024.00
RM1.35 (for every 50W increase from 150000)

Company and Private Registered Non-Saloon Electric Vehicles

Motor Output (W)
Base Rate
Progressive Rate (per 50W)
50000 and below
RM20.00
–
50001 to 60000
RM42.50
–
60001 to 70000
RM50.00
–
70001 to 80000
RM60.00
–
80001 to 90000
RM165.00
RM0.17 (for every 50W increase from 80000)
90001 to 100000
RM199.00
RM0.22 (for every 50W increase from 90000)
100001 to 125000
RM243.00
RM0.44 (for every 50W increase from 100000)
125001 to 150000
RM463.00
RM0.88 (for every 50W increase from 125000)
150001 and above
RM903.00
RM1.20 (for every 50W increase from 150000)

Motorcycles in Peninsular Malaysia

Cubic Capacity (cc)
Base Rate
150 and below
RM2.00
151 to 200
RM30.00
201 to 250
RM50.00
251 to 500
RM100.00
501 to 800
RM250.00
801 and above
RM350.00

Motorcycles in East Malaysia

Cubic Capacity (cc)
Base Rate
150 and below
RM2.00
151 to 200
RM9.00
201 to 250
RM12.00
251 to 500
RM30.00
501 to 800
RM40.00
801 and above
RM42.00

Electric motorcycles

Motor Output (W)
Base Rate
7500 and below
RM2.00
7501 to 10000
RM9.00
10001 to 12500
RM12.00
12501 to 25000
RM30.00
25001 to 40000
RM40.00
40001 and above
RM42.00

Source:
JPJ – Motor Vehicle License (LKM) Rates Calculation Guidelines

How to renew road tax?

There are several options for you to renew your road tax. You can use the mySIKAP portal or visit the nearest JPJ office or go to a Pos Malaysia branch with documents such as your IC, insurance cover note, and vehicle ownership certificate.

Alternatively, if you prefer the convenience of renewing or finding out your road tax rates online, you can do so through
Bjak’s website
. It is important to note that owning a road tax, whether in physical or digital form, is mandatory for vehicle owners to ensure compliance and safety on the road.

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:

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


如何查询汽车保险的截止日期？

拥有有效的汽车保险，不仅仅是为了避免被有关当局开罚单，更重要的是确保您和车子随时受到保障，并在有需要时，减轻您的财务负担。因此，每年更新车险可说是拥车族必须完成的重要事情。可是，要如何查询汽车保险的截止日期呢？

Contents =

检查您的保单或临时保单（cover note）
上网查询车险的截止日期
在必佳更新车险，简单又方便

检查您的保单或临时保单（cover note）

是否还记得您把保单或临时保单收在家里的哪个抽屉里？

保单上记录了许多重要资讯，如：保额、保费、垫底费及车险的截止日期等，因此收藏好保单就方便随时可以查询。

如果收藏保单是一件很困难的事，那么把保单的电子版（soft copy）储存在电脑或手机里应该可以帮到您。

上网查询车险的截止日期

您还可以通过
MyCarInfo
上网查询车险的截止日期，而且这项服务是免费的。

你可以通过以下方法上网查询：

浏览
https://www.mycarinfo.com.my/
点击“NCD enquiry”
点击“Find out your NCD online”
输入资料 (车牌号码 & 身份证号码)
点击“Get my NCD report”

通过这个方法，您不但可以查询车险的截止日期，还可以知道您的无索偿折扣率。

在必佳更新车险，简单又方便

在科技先进的时代，我们只要上网就可以查询汽车保险的截止日期，同样的，更新车险其实也可以通过手机在网上处理。

只要到必佳获取报价单，比较并选择符合您需求的保单，然后付款就可以了！今天就到
必佳更新车险
。