Talking about death is eerily uncomfortable for many of us. So naturally, it’s not a topic people often bring up in a ‘normal’ conversation. But however uncomfortable it is, we can’t just sweep it under the rug. Death won’t escape anyone, including you.

Let’s bring this topic to the table, starting with how life insurance can help you after your passing.

Contents =

What is life insurance?
How does life insurance work after death?
1. Financing funeral costs
2. Clearing outstanding debts
3. Providing a lifeline to dependents
Life insurance is a protection, not a financial burden

What is life insurance?

First, let’s understand what life insurance is in a nutshell.

Life insurance is
a contract
 between the insured (
that would be you
) and the insurance company, whereby you regularly pay a set amount to the insurance company, in exchange for a lump-sum payout to your beneficiaries upon your death.

Most life insurance policies today also provide a lump-sum payout for total permanent disability. This is to protect you and your dependents should you permanently lose your physical ability to earn income.

You can read more on life insurance
here
.

How does life insurance work after death?

1. Financing funeral costs

If talking about death is already uncomfortable, talking about funerals is even more so. But let’s think of it this way: everyone on this Earth shall have a taste of death, and will part ways with this world at one point.

We can’t plan how we die, but we can (and should) plan how our funeral is to be managed. As life insurance will pay out a lump sum to your beneficiaries when you pass on, the money can be used to finance your funeral costs.

Depending on funeral rites,
funerals in Malaysia
 can cost hundreds or even tens of thousands of Ringgit. So with the cash payout from your life insurance, your loved ones won’t have to be burdened by expensive funeral costs.

2. Clearing outstanding debts

There’s a saying that goes “
when you die, your debts die with you
.” This couldn’t be further from the truth as your surviving guarantors will continue to shoulder the burden of repaying your debts. While you hope to clear your debts before you leave this world, some long-term debts like housing or property loans and other commitments may outlive you.

It’s true that your guarantors have entered into such agreements knowing full well that they have to bear the liabilities should anything happen to you as the borrower, but would you have the heart to leave them high and dry?

Your beneficiaries can help clear your outstanding debts with a cash payout from your life insurance.

3. Providing a lifeline to dependents

If you’re the sole breadwinner in your household, think hard and long about the future of your spouse and children when you’re no longer around to provide for them.

It’s a mountain-heavy responsibility indeed, but one that you can’t afford to put aside. If you’ve been saving consistently for your family’s future use, that’s a very responsible act. But would the savings be enough to cover your family expenses? Can the savings adequately fund your children’s education?

Life insurance is a protection, not a financial burden

You may not directly receive the benefits of your life insurance in your lifetime, but your beneficiaries will be financially relieved when you’re no longer around to watch over them.

Let
Bjak
 help you get the life insurance that you and your loved ones need. You can get started here: https://bjak.com/life/en/.

(Source:
iMoney.my
)


国内12条大道 料9月落实开放支付系统

从9月开始，如果开车出门忘了带Touch ‘n Go卡也没关系，只要有扣账卡（Debit Card）或信用卡（Credit Card），一样可以“通关”了！

综合各大媒体报道，马来西亚工程部长拿督斯里南达林奇指出，国内12条大道将在9月开始落实开放支付系统（Open Payment System）。

这12条大道包括了：

1. 安邦-吉隆坡高架大道（AKLEH）

2. 为牙直利走廊大道（GCE）

3. 新街场大道（BERSRAYA）

4. 新班底大道（NPE）

5. 槟城大桥（JPP）

6. 北海-居林大道（BKE）

7. 白沙罗-蒲种大道（LDP）

8. 西部疏散大道（SPRINT）

9. 莎阿南大道（KESAS）

10. 精明隧道（Terowong SMART）

11. 吉隆坡-布城大道（MEX）

12. 大使路-淡江大道（DUKE）

拿督斯里南达林奇说，开放支付系统是政府其中一项迈向多车道快速流动系统（MLFF）的过渡措施，先实施开放支付，让大道使用者更容易支付过路费，之后再落实没有任何收费站的MLFF。

在开放支付系统下，驾驶人士除了可以使用Touch ‘n Go卡或电子钱包支付外，也可以使用扣账卡和信用卡付费。


Kadar Kemalangan Pemandu Lelaki 2.4 Kali Lebih Tinggi Dari Wanita

Bila sebut mengenai cara pemanduan pengguna di atas jalan raya, ramai yang lebih skeptikal mengenai
 skill
pemanduan golongan wanita berbanding lelaki. Ada segelintir yang menganggap bahawa pemanduan wanita adalah lebih berbahaya dan tidak selamat.

Contents =

Kadar kemalangan lelaki lebih tinggi
Dipengaruhi beberapa faktor
Kematian pemandu lelaki lebih ramai
Tahu 7 kesalahan utama yang menyebabkan kemalangan jalan raya
Pandu dengan cermat

Kadar kemalangan lelaki lebih tinggi

Namun tahukah anda, statistik yang didedahkan melalui laporan
Utusan
baru-baru ini menyatakan bahawa pemandu lelaki mencatatkan angka kemalangan jalan raya jauh lebih tinggi berbanding wanita.

Menurut Ketua Penolong Pengarah Penguatkuasaan Jabatan Siasatan dan Penguatkuasaan Trafik (JSPT) Bukit Aman, Superitendan Dr. Bakri Zainal Abidin, pemandu lelaki kekal mencatatkan angka kemalangan jalan raya paling banyak dengan jumlah yang cedera 19,077 kes berbanding wanita hanya 3,992 kes sahaja.

Menurut beliau, statistik yang dikumpul untuk tempoh tiga tahun dari 2018 hingga 2021 itu juga mendapati bahawa bilangan pemandu lelaki yang terlibat dalam nahas jalan raya adalah 2.4 kali ganda lebih tinggi berbanding wanita.

“Mengambil kira bilangan penduduk, lelaki mempunyai purata kadar nahas jalan raya sebanyak 1,351.74 untuk setiap 100,000 penduduk berbanding 537.97 bagi wanita, sekali gus membuktikan
 lelaki 2.4 kali lebih berisiko berbanding wanita
.” katanya.

Dipengaruhi beberapa faktor

Walaubagaimanapun, Dr. Bakri menjelaskan bahawa risiko tersebut turut dipengaruhi oleh beberapa faktor.

Antaranya adalah faktor pendedahan lelaki di atas jalan raya memandangkan majoriti mereka adalah ketua keluarga, dan golongan suami yang lebih kerap memandu berbanding isteri.

“Risiko ini juga dipengaruhi oleh faktor pendedahan lelaki di atas jalan kerana majoriti mereka merupakan ketua keluarga yang keluar mencari rezeki setiap hari. Dalam aspek keluarga pula, suami selalunya lebih kerap memandu berbanding isteri,” katanya.

Sementara itu, memetik laporan yang sama, Pakar Keselamatan Jalan Raya Universiti Putra Malaysia (UPM), Prof Dr. Law Teik Hua berkata angka kemalangan yang lebih tinggi terhadap pemandu lelaki turut disumbang oleh peranan kumpulan itu yang majoritinya memandu jarak jauh.

“Kebanyakan lelaki yang bekerja seperti memandu lori dan sebagainya memerlukan mereka untuk memandu jarak jauh dengan kerap sekali gus meningkatkan risiko kemalangan.

“Namun, tidak dinafikan sikap semula jadi pemandu lelaki yang lebih agresif berbanding wanita yang kebiasaannya lebih bersopan di atas jalan raya turut menyumbang kepada angka kemalangan,” ujarnya.

Kematian pemandu lelaki lebih ramai

Dalam pada itu, statistik Polis Diraja Malaysia (PDRM) turut mendedahkan bahawa berlaku perbezaan ketara angka kematian di antara pemandu lelaki dengan pemandu wanita.

Statistik yang dikeluarkan itu menyatakan kadar kematian untuk pemandu lelaki adalah lebih tinggi iaitu sebanyak 3,965 kes berbanding wanita, 574 kes.

Dr. Bakri berkata, ciri berbeza pada lelaki dan wanita mempengaruhi pemanduan seperti persepsi keselamatan dan keselesaan dalam kereta sendiri. Namun ujarnya, kes kemalangan jalan raya sering berlaku tanpa mengira jantina.

Katanya, sikap memandu dengan terlebih yakin sehingga berbahaya dan di luar kawalan menyebabkan kemalangan jalan raya selain faktor lain seperti memandu menggunakan telefon bimbit dan melebihi had laju.

Tahu 7 kesalahan utama yang menyebabkan kemalangan jalan raya

Sebelum ini, Bjak sudah menjelaskan kepada anda mengenai
kesalahan-kesalahan utama yang menyebabkan berlakunya kemalangan jalan raya
 seperti yang dikongsikan
hantaran Facebook Jabatan Pengangkutan Jalan (JPJ) Pulau Pinang

Untuk ketahui ringkasan
kesalahan yang sering dibuat
 dan
denda serta hukuman yang boleh dikenakan
 kepada pemandu jika didapati melakukannya, sila teruskan membaca di bawah:

Guna telefon bimbit
 – mengikut
peraturan 17A, LN166/59
, tindakan memandu sambil menggunakan telefon bimbit tanpa alat bebas tangan (
hands free
), anda akan didenda sehingga RM1,000 atau penjara tidak melebihi tiga bulan. Bagi sabitan kedua pula, anda akan didenda sebanyak RM2,000 dan penjara sehingga enam bulan atau kedua-duanya sekali.

Tidak berhenti di lampu isyarat merah
 – Sekiranya anda melanggar lampu isyarat merah, anda boleh didenda sebanyak RM300.

Potong barisan
 – Jika didapati bersalah memotong barisan, pemandu boleh didenda sehingga RM300 oleh pihak berkuasa.

Memotong di garisan berkembar
 – Jika didapati bersalah, pemandu boleh dikenakan saman sebanyak RM300 serta-merta.

Tidak pakai
 seat belt
 atau
helmet

– Denda maksimum RM2,000 atau penjara tidak melebihi setahun atau kedua-duanya sekali jika penumpang kereta tidak pakai
 seat belt
belakang. Untuk penunggang motosikal, denda sebanyak RM300 akan dikenakan jika
helmet
 tidak dipakai.

Memandu di lorong kecemasan
 –  pengguna jalan raya yang didapati menggunakan lorong kecemasan boleh dikenakan denda sehingga RM2,000 atau penjara tidak melebihi enam bulan atau kedua-duanya sekali.

Memandu lawan arus
 –  Pemandu boleh didenda sehingga RM300, atau lebih dan boleh dipenjarakan jika menyebabkan kemalangan maut, mengikut Akta Pengangkutan Jalan 1987.

Pandu dengan cermat

Kemalangan jalan raya boleh berlaku pada sesiapa sahaja tanpa mengira jantina. Sebenarnya, ia bergantung kepada sikap pemandu itu sendiri. Jika lebih cermat seseorang itu memandu, maka risiko untuk terlibat dalam kemalangan juga adalah lebih rendah.

Buang sikap pentingkan diri sendiri dan jangan lakukan kesalahan-kesalahan seperti yang dikongsikan di atas sehingga boleh mendedahkan diri kepada kemalangan jalan raya.

Ingat, pandulah dengan cermat dan sentiasa patuhi peraturan jalan raya untuk keselamatan bersama.

Dalam pada itu, pastikan juga kenderaan anda mempunyai perlindungan insurans yang sah. Ingat, anda boleh turut dikenakan tindakan undang-undang jika didapati
memandu kenderaan tanpa insurans
. Untuk memudahkan serta menjimatkan wang anda, anda disarankan untuk

mendapatkan insurans kereta atau motosikal secara
online
di Bjak yang menawarkan sehingga
 15 jenama insurans
.


Complete guide: What is term life insurance?

Let us go through everything you need to know about term life insurance so you can make an informed decision to protect your future.

Contents =

What is term life insurance?
Why should I get term life insurance?
What is the difference between term and whole life insurance?
Term life insurance vs. whole life insurance
What are the benefits of term life insurance?
Pros & cons of term life insurance:
Pros:
Cons:
How does term life insurance work?
How much term life insurance should I get?
How do I get term life insurance?
Term life insurance payout
Decreasing Term Insurance/Reducing Term Insurance
Family Income Benefit
Read the fine print
Research & compare first!

What is term life insurance?

Term life insurance (also known as
pure life insurance
) is one of the most common forms of life insurance that offers a lump sum payout in the event of your death or total permanent disability (TPD) which is pretty similar to whole life insurance. It all boils down to a few key reasons why some might prefer term life insurance over whole life insurance.

Why should I get term life insurance?

These are a few common reasons motivating people to get term life insurance:

Cost of education for their children
Wanting their family to still be cared for financially
Outstanding mortgages and loans
Not wanting to financially burden those they leave behind
Some may worry about becoming permanently disabled because of a high-risk occupation, hence turning to insurance for peace of mind.

What is the difference between term and whole life insurance?

Term life insurance
covers you for a specific amount of time, from as short as five years to as long as several decades. Most insurers offer protection for up to 5 , 10, 15, 20, 25, or 30 years based on the plans chosen (
Axa
,
FWD
,
Etiqa
,
Prudential
) starting from the age of 16. Typically cheaper than whole life insurance, the catch with term life insurance is the increase in premium as you age and as you extend your coverage.

Whole life insurance
 is designed to provide coverage for your entire life, and premiums will not increase with age. Typically, whole life insurance is more expensive as premiums help build cash value. This cash value, or known as
guaranteed payment
, can be withdrawn during your policy term, or be paid as your policy term ends.

Term life insurance vs. whole life insurance

Here are some of the differences between the two insurance policies that you should know:

Term Life Insurance
Whole Life Insurance
Protects for a limited amount of time such as 10, 15, 20, 25 or 30 years.
Designed to provide lifelong coverage – can be extended up to 100 years old.
Provides no cash value
Cash value accumulates over the life of the policy
Lower premiums
Higher premiums
Premium might increase depending on the policy structure/extension
Premium generally stays the same throughout the entire policy
Payout guaranteed
Payout guaranteed
No dividends
Eligible for dividends

What are the benefits of term life insurance?

Pros & cons of term life insurance:

Pros:

Affordability
It is cheaper than whole life insurance at least in its first year, as it is temporary and has no cash value.
Flexible tenure
Free to choose your coverage term.
Convertible
You can renew or convert your policy into a whole life insurance policy (at a higher premium).
Hassle-free
A policy can be bought online without medical examination.
Customizable
Options to customize a range of coverage for better protection are available.
Simple
It has no linked investment plans or additional policies.

Cons:

No maturity benefit
If you outlive your term insurance, the premiums paid to the insurer remain with them because it has done its job of providing you security during its term.
Escalating premiums
Unlike life insurance, you do not have the option to lock in the premium you pay, which means if they hike up the premium due to age and perceived risk upon renewal, you will have to honour the new price or discontinue the policy.
Limited coverage
Once the tenure of the policy has been decided, if you need additional coverage down the line, you’ll be forced to repurchase a new term life insurance policy at a higher price OR to purchase a whole life insurance policy which will also be at a higher price due to your age.
Inflexible
Unlike a whole life insurance policy, term insurance policies are extremely rigid. It has zero leeway for unpredicted changes such as loss of jobs or needing an increased coverage because you have additional dependents down the line.

How does term life insurance work?

The concept is simple. Decide on an amount you want to be insured for, the years you’d like to insure for (minimum at 5) then a premium will be calculated for you to start paying.

For example, Hassan has a term life insurance policy that covers death and total permanent disability (TPD) with a sum assured of RM500,000 for a duration of 15 years. The insurer gives Hassan the amount of the premium and it is to be paid monthly for the next 15 years. Naming his wife as the beneficiary of his policy, upon his passing within his coverage period, his wife will receive the sum assured. If Hassan becomes totally or permanently disabled within his coverage period, he will be given RM500,000 instead.

Note:
How premiums are calculated varies based on the insurer and the type of term insurance itself. So it is best to talk to a few insurers before making a decision.

How much term life insurance should I get?

Understanding how much you need to be insured should be gauged after assessing your present and future financial requirement. This is applicable for level term insurance only. This amount that you decide is very important because you
 will not
 be able to change the sum assured once your term insurance is in force.

Usually, to mitigate the risk of this, people who purchase term LIFE insurance will also purchase rider policies (add-ons) to get extra coverage for areas that term life insurance does not cover such as critical illness.

Two main things you need to calculate are:

Sum assured
This is how much you think you need (to be given to you or your family) in the event of total permanent disability or death.
Term
 (duration)
This depends on how long you want the policy to protect you in the event of premature death. It is important to note that once your policy ends, the premium may increase significantly if you’d like to extend it or purchase a new term policy.

These are things you need to take into consideration when calculating the sum assured :

Monthly commitments/cost of living (day-to-day expenses, loans for essentials such as housing and car) for you and dependents (if any).
How many dependents require special care? (pre-existing conditions, long-term medications, frequent hospital visits, etc.)
Future obligations such as the cost of tertiary education
Outstanding non-essential loans (personal loans, credit cards, etc.)

Here is how you calculate the sum assured you need:

1. Calculate your yearly running cost
First, determine your
household monthly commitment
. This is the cost of living for you and your dependents (if any). This includes mortgages, car loans, recurring bills and daily living expenses for essentials. Take that number and multiply it by 12 months to get the yearly running cost.

2. Determine basic sum assured

So the coverage amount you’re looking for should be your yearly running cost multiplied with how long you expect the funds to last until your family can get back on their feet in the event of your death or total permanent disability.

3. Total sum assured

Take your basic sum assured, and determine whether you have other costs such as special care for yourself or dependents, other loan repayments or future obligations such as tertiary education that you’d need to include.

This final amount will be the minimum amount of what you will need to get insured for. Some may add 20% – 30% to this final amount taking inflation into account as term life insurance does not have inflation protection rider options.

How do I get term life insurance?

Applying for term life insurance can be done online or through an agent. Note that there are a few things that insurers will look out for before approving or rejecting your application:

Medical history
Family medical history
Your job
Lifestyle habits

Here are things you should avoid when applying for your insurance as they may be used against you to void the entire policy:

Mispresentation
Fraud
Concealment of material facts

These are some riders that you can add to your term life insurance to get the most out of your policies:

Critical illness rider
 – a lump sum paid to the insured upon a diagnosis of critical illness
TPD premium waiver
 – pays all the premiums due when the policyholder is disabled during its term
Accelerated death benefit
– where the policyholder receives cash advances against the death benefit when he/she is diagnosed with a terminal illness during the policy
Accidental death and dismemberment
 – provides an additional payout of
rider sum assured
in situations of dismemberment of accidental deaths

Term life insurance payout

Generally, most term life insurance pays out in a lump sum if you have chosen a
level term
insurance which is the
most common type of term life insurance
 in Malaysia. However, there are two other lesser-known types that have different payout structures.

Decreasing Term Insurance/Reducing Term Insurance

This is a type of term life insurance that is purchased specifically to cover mortgages in the event of death or total permanent disability of the insured. This is one of the cheapest forms of term life insurance as the payout decreases over the term according to your outstanding mortgages/loans.

Family Income Benefit

This is where the payout is done monthly for a set amount of years in the event of total permanent disability or death of the insured. This is not a common standalone term insurance that is offered in Malaysia. However, options to add it as a rider on top of existing policies are available.

Read the fine print

Some insurers may have clauses or fine prints that they might not highlight. Some insurers have a clause whereby payments due to natural death will be subjected to a sliding scale.

Example: If you die from natural causes within the first 6 months of your term life insurance policy, your beneficiaries may only receive a payment that consists of the premiums you have paid to date.

Research & compare first!

Term life insurance is among the policies that people consider when they want to provide immediate financial relief for the ones they love after their death or total permanent disability.

Doing your research on other policies will help you make an informed decision on how best to protect the future of your loved ones and yourself.

We suggest reading more about
life insurance
,
critical illness insurance
 and
medical card
 before deciding on what kind of insurance you need to protect your future.

(Sources:
Affinbank
,
Takaful
,
Great Eastern
,
Trusted Malaysia
,
AXA
)


如何更新汽车保险？线上 VS 线下

根据1987年陆路交通法令，所有在路上行驶的汽车和摩托都必须是拥有有效的车险和路税。那你每年更新车险、路税时，都是自己找保险公司，还是让代理当跑腿，又或是自己上网更新车险呢？其实，现在网上更新汽车保险已经非常方便省时，尤其是在全马第一的更新车险平台——必佳Bjak，就可以一次过比较15家保险公司的保单，真的是让你省时、省钱、省掉麻烦。

索取报价

更新汽车保险的方法：

线下——保险公司或保险代理

尽管网络更新车险已经很方便，但还是有人会担心网络转账受骗等等，所以宁愿选择最传统的方法，交由保险代理更新车险。

以下就和大家分享线下更新车险的过程：

1. 前往任何一家注册汽车保险代理商。

2. 需要提供你的保单，以及你的车卡（VOC）。

3. 选择你要的保险类型，如一号车险、二号车险或三号车险。

4. 根据市场价值或约定价值来决定你的汽车保险金额。

5. 向代理索取不同保险公司的报价，比较价格和福利。

6. 若需要任何附加保险，需要求代理帮忙处理。

7. 一旦所有东西准备好，就可以付款。

8. 别忘了从代理手上获取你的保单！

总结来说，通过保险代理更新车险可能需要一段时间，因为你必须和他约时间见面，还要交文件、填表格，以及等待批准的过程，都是需要一些时间。

线上更新——必佳Bjak

只需要一台可以上网的手机，输入资料后索取报价、选择配套，马上付款，车险就即时生效了！

可是担心网上更新车险不靠谱？选择Bjak就不用怕了！因为这是经过以下机构审核认可的：

– 陆路交通局（JPJ）

– 国家银行（Bank Negara）

– 马来西亚保险工会（PIAM）

– 马来西亚伊斯兰教保险协会（MTA）

最重要的是，线上更新车险，是
不用被征收 10% 代理费用
哦！

1. 只需要在必佳网站上输入你的车牌、身份证号码。

2. 5分钟内就可以通过WhatsApp或电子邮件获取报多达15家保险公司的报价。

3. 比较并选择合适你的保单。

4. 若有需要可添加附加保险。

5. 选择好后付款即可。（必佳现有先买后付计划，3个月分期付款0利息）

6. 你将会通过电邮收到临时保单，以此证明你的汽车已经成功受保！

不只是更新车险，你还可以一次过在必佳更新路税哦！真的是非常方便！

在必佳更新车险，你不用出门，也不用到各家保险公司网站询问报价，就可以轻轻松松更新车险了！今天就到必佳线上更新车险和路税吧！

索取报价


普险公会：仅4%国人购买水灾险

最近几年，闪电水灾似乎成了我国许多地区的家常便饭，几乎可以说逢雨必灾。

马来西亚地理位置处于热带，每年会经历两次季候风，水灾可说是最常见的自然灾害。在全球气候变化的影响下，降雨量增加，加上城市高速发展导致排水系统不负重荷，种种原因加剧了水灾的发生。

去年12月，
半岛多个地区发生严重大水灾
，至少八个州沦陷，不仅导致灾民失去家园，成千上万的车子也浸泡水中。

Contents =

普险公会：全马仅4%国人购买水灾险
AXA：许多大马人尚未醒觉水灾险的重要性
关于自然灾害保障的相关信息
让爱车得到全面保障

普险公会：全马仅4%国人购买水灾险

身为车主，应该清楚知道就算购买的是
综合型保险
，也无法保障车子因自然灾害造成的损坏，比如：汽车被倒下的大树压坏，或是遭遇土崩、水灾等，这些特别情况都不在综合型保险的保障范围内。

照理来说，在经历了惨痛的教训后，车主们应该会提高预防意识，逐渐理解保险的重要性，但实际上，愿意额外付费购买水灾险或
自然灾害保障
的车主仍属少数。

根据大马普通保险协会（PIAM）的数据显示，目前全马有购买水灾险或天灾险的汽车仅为4%
。

AXA：许多大马人尚未醒觉水灾险的重要性

根据
安盛艾芬普通保险有限公司（AXA Affin General Insurance Berhad）的数据显示
，去年因水灾需要向保险公司呼叫拖车服务的受保汽车当中，只有18%的汽车有购买水灾险或天灾险，而82%被水灾损坏的汽车需要车主自付维修费。

虽然在经历水灾后，水灾险的投保率稍有增加（
3.9%AXA用户今年增加了水灾险
），但是许多大马人仍然未投保水灾险，尚未理解水灾险的重要性。

AXA首席执行长伊曼纽尔尼维特表示：“事实上，人们通常在发生重大事件及经历巨额损失后，才理解到保险的重要性。这样的想法要改变，购买保险的目的是为了保障自己的权益，而不是投资或单纯的为了可以更新路税，它是为了在突发状况下提供车主基本保障，保护车主免受不可预见的风险，无需面对突如其来的巨额经济损失。”

关于自然灾害保障的相关信息

以下是与自然灾害保障相关的信息：

自然灾害保障
又称“特殊灾害保险”（Special Perlis）。
此类
附加保险
专门为因水灾、倒下的树木等自然灾害造成的车辆损坏提供保障。
有了额外的自然灾害保障，你可以就自然灾害造成的车辆损坏提出保险索赔或获得赔偿。
此承保范围包括修理汽车损坏的费用。
此保险的保费一般为保额的 0.5%。但是，它可能因各家保险公司而异，想要了解更多关于保费的内容，可参阅：
自然灾害保障保费
只有购买
综合型保单
，你才能额外添加
自然灾害保障
。

让爱车得到全面保障

自然灾害随时都会发生在你我的身上，作为保障，建议你在更新
综合型车险
时，额外添加
自然灾害保障
。我们需要未雨绸缪，为爱车选择
全面保障的车险
，以便降低灾难发生所造成的财物损失。

另外，不要忘记检查你的
汽车保险截止日期
，假若车险逾期未更新，就算拥有水灾险，也无法提出索赔。

想要更新车险，全马领先的汽车保险平台——必佳是你的首选。在必佳，你可以
一次性比较15家保险公司的报价
，然后根据你的需求与预算选择适合的汽车保险，大约5分钟，你就可以轻轻松松更新汽车保险。

现在就到必佳了解更多！

索取报价

延伸阅读：

闪电水灾导致汽车浸泡水中？你应该这么做！
为什么您的车子需要“自然灾害保障”？
您的车子需要“自然灾害保障”吗？
凌晨狂风暴雨 雪隆接连3宗树倒压车事件
雨季停车危险区，小心车被淹！


KL Traffic Jam: Contraflow Lanes At Three Locations From July 3

KL is known for so many things worldwide, including traffic jams. Every year tens of thousands of people flood the capital city of Malaysia in search of job opportunities. So, traffic conditions in many parts of Kuala Lumpur weaken as millions of cars move in and out daily.

The federal government is aware of this problem and actively seeks ways to curb the unbearable traffic congestion. Hence, it will implement contraflow lanes at three locations within KL from 3 July 2023.

Contents =

Contraflow at three locations
Short-term fix to ease traffic jam
KL traffic jam

Contraflow at three locations

Following Kuala Lumpur City Hall’s (DBKL) proposal, the transport ministry will add three contraflow lanes to ease the traffic jam in KL, reports
The Star
. The first one will be from the
Sungai Besi Toll Plaza to the Besraya intersection,
 which covers a distance of 2.4 km.

The second one will extend an existing contraflow lane southbound from
Jalan Maharajalela to Taman Connaught
. This route will extend to a 4km stretch during evening peak hours.

Meanwhile, the third contraflow lane will run from
Ampang Point to Jalan Tun Razak
 over a 3km stretch on Jalan Ampang.

Short-term fix to ease traffic jam

According to the transport ministry, the first and second routes will be accessible to all private vehicles except motorcycles. However, the third route is only for public transport vehicles such as buses.

Authorities will take action against private vehicle owners that use this lane during peak hours. All contraflow lanes will be activated daily from
6 am to 9 am
 and
5 pm to 7 pm
.

In case you wonder, there are no structural changes to the existing roads in KL. Authorities will mark the designated lanes by placing cones along the route.

This will be a short-term fix to the problem. At the same time, the government is looking for ways to improve traffic conditions throughout Klang Valley, such as changing people’s attitudes and improving public transportation.

KL traffic jam

Most of us agree that driving around KL during peak hours can be daunting as the traffic jams worsen daily. So, it’s best to consider public transportation or carpooling as an alternative.

It’s good that the government is implementing temporary measures to ease the weakening traffic conditions in Klang Valley. Hopefully, there will be long-term solutions to benefit everyone in the near future.

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 A Quote

Read more:

5 Fuel-Saving Tips To Help You Save More Money
NKVE Lane Closure & Contraflow Between Shah Alam-Subang
MyEG Roadtax Renewal Guide For Beginners


Semak Insurans Kereta Etiqa: Pelan Terbaik Untuk Kenderaan

Mendapatkan pelan takaful untuk kenderaan khususnya bagi individu yang beragama Islam adalah amat digalakkan. Ini kerana pelan takaful bebas daripada unsur yang dilarang dalam Islam iaitu riba, gharar (ragu-ragu) dan masyir (judi).

Di Malaysia, antara pengendali takaful kenderaan yang dipercayai dan terkenal dalam kalangan pemilik kenderaan adalah Motor Etiqa. Jadi, di sini kami akan kongsikan kepada anda mengenai manfaat dalam pelan insurans kereta Etiqa dan cara
semak insurans kereta Etiqa
 yang mungkin anda ingin dan perlu tahu.

Contents =

Fahami dahulu beza takaful dengan insurans konvensional
Bolehkah orang bukan Islam semak insurans kereta Etiqa dan dapatkannya untuk kenderaan?
Kenapa anda perlu semak insurans kereta Etiqa dan dapatkannya untuk kenderaan?
Tiada excess
Ikut nilai yang dipersetujui bukan nilai pasaran
Semua pemandu akan dilindungi
Kereta ihsan percuma selepas kemalangan?
Cara semak insurans kereta Etiqa
Kebaikan semak insurans kereta Etiqa di laman web Etiqa:
Kebaikan semak insurans kereta Etiqa di platform Bjak

Fahami dahulu beza takaful dengan insurans konvensional

Apa bezanya insurans kereta konvensional dengan takaful? Kenapa pula kita lagi digalakkan untuk ambil pelan takaful berbanding konvensional?

Sebenarnya, kedua-duanya mungkin akan memberikan manfaat yang sama. Namun apa yang paling membezakannya adalah insurans konvensional mungkin mengandungi unsur-unsur yang dilarang dalam Islam iaitu riba, gharar (ragu-ragu) dan masyir (judi), manakala takaful pula tidak ada dan bebas daripadanya.

Perlu anda fahami, tujuan takaful ditubuhkan adalah sebagai satu alternatif bagi individu khususnya umat Islam beralih daripada membeli produk insurans konvensional kepada produk yang lebih patuh syariah.

Ayuh lihat perbezaan lanjut di antara takaful dan insurans konvensional menerusi rajah di bawah:

Bolehkah orang bukan Islam semak insurans kereta Etiqa dan dapatkannya untuk kenderaan?

Sudah tentu! Pelan takaful termasuk Etiqa tidak hanya boleh diperoleh orang yang beragama Islam sahaja. Semua individu daripada pelbagai agama lain juga layak untuk mendapatkan pelan takaful insurans ini buat kenderaan mereka. Bukan sahaja jenama Etiqa, bahkan pengendali takaful lain seperti Takaful Malaysia, Zurich Takaful dan Takaful Ikhlas juga boleh diperoleh oleh setiap pemilik kenderaan di Malaysia.

Kenapa anda perlu semak insurans kereta Etiqa dan dapatkannya untuk kenderaan?

Insurans takaful kereta Etiqa khususnya pelan komprehensif akan menawarkan perlindungan menyeluruh dan menarik buat peserta (pemegang polisinya). Pelan insurans komprehensif takaful motor Etiqa akan membolehkan anda dilindungi daripada kerugian atau kerosakan kenderaan anda, kehilangan kenderaan akibat dicuri atau terbakar atas perbuatan khianat, serta liabiliti terhadap pihak ketiga.

Selain perlindungan hampir menyeluruh yang akan diberikan untuk pemegang polisinya, pelan ini juga menawarkan manfaat-manfaat yang sangat menarik bagi memastikan anda mendapatkan perlindungan yang lebih menguntungkan berbanding insurans/ takaful lain.

Tiada excess

Tahukah anda, tidak banyak syarikat insurans mahupun takaful yang menawarkan pengecualian excess buat pemegang polisinya. Kebanyakan syarikat insurans akan meminta anda untuk membayar sebahagian kos untuk kerosakan sendiri apabila terlibat dalam kemalangan, yang mana inilah dipanggil sebagai excess. Namun berbeza dengan Motor Etiqa, ia mengenakan prinsip ‘tiada excess’. Dengan prinsip ini, maka anda (pemandu berusia 21 tahun ke atas) tidak perlu membayar sebahagian kos untuk kerosakan tersebut.

Ikut nilai yang dipersetujui bukan nilai pasaran

Lebih menguntungkan, tuntutan anda akan dibayar mengikut nilai yang dipersetujui semasa pembaharuan. Ini bermakna sekiranya kereta anda dicuri atau
total lost
 akibat kemalangan, anda akan diberi pampasan dengan jumlah penuh yang diinsuranskan.

Semua pemandu akan dilindungi

Anda tidak perlu membayar premium tambahan jika ingin meletakkan lebih daripada dua nama pemandu di dalam polisi anda ketika renew dengan pelan takaful ini. Ini kerana Etiqa menyediakan manfaat perlindungan untuk semua pemandu secara percuma dan automatik tanpa tambahan premium.

Kereta ihsan percuma selepas kemalangan?

Pernah tak anda dengar mengenai manfaat ini ketika
renew online
 dengan syarikat-syarikat insurans yang lain? Ya, mungkin hanya di Etiqa, anda akan ditawarkan dengan manfaat kereta ihsan percuma selama 14 hari sekiranya kereta anda terbabit dalam kemalangan dan perlu dibaiki di bengkel. Menarik, bukan?!

Cara semak insurans kereta Etiqa

Nak dapatkan satu pelan takaful insurans kereta Etiqa sebenarnya mudah sahaja. Sama seperti insurans kereta lain seperti
 RHB insurans kereta
, Allianz dan lain-lain, anda boleh juga dapatkan pelan takaful ini secara online terus menerusi website Etiqa ataupun pilihan yang baik juga, menerusi platform Bjak.

Kebaikan semak insurans kereta Etiqa di laman web Etiqa:

Anda boleh menerima rebat 10% dengan segera berserta NCD anda apabila renew online di website pengendali Takaful Etiqa
Cepat dan mudah yang mana hanya 3 langkah sahaja diperlukan untuk anda dapatkan perlindungan insurans terbaik.

Kebaikan semak insurans kereta Etiqa di platform Bjak

Anda boleh bandingkan juga dengan lebih 10 jenama insurans dan takaful lain dalam satu masa yang sama
Anda boleh renew insurans  serta roadtax sekaligus dalam hanya 5 minit
Anda ada pilihan untuk dapatkan roadtax digital ataupun pelekat roadtax
Peluang untuk bayar sehingga 12 kali ansuran dengan pelbagai pilihan Buy Now Pay Later yang ada
Penghantaran roadtax terus ke rumah jika anda pilih untuk dapatkan pelekat roadtax
Peluang untuk jimat sehingga RM400 apabila anda buat perbandingan

Jadi, tunggu apa lagi? Jom dapatkan pelan terbaik dengan insurans takaful kereta Etiqa hari ini!

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

Renew Online

Baca juga:

Takaful Malaysia Insurans Kereta – Beli Pelan Komprehensif Terbaik Untuk Kenderaan
Senarai Syarikat Insurans Kereta & Takaful di Malaysia
Senarai Talian Hotline Syarikat Insurans di Malaysia Yang Boleh Dihubungi (2023)


什么时候应该买保险？

关于保险规划，邀请你思考三个人生问题。

第一、如果明天你就不在了，家里的财务会受影响吗？

第二、如果你突然发生意外，无法工作，你的储蓄足够你维持多久？

第三、如果你活到80岁，生了一场大病，会为你的家人造成经济负担吗？

人生有很多事情我们无法预算与控制，但我们可以提前做准备。

或许你会说，“哎呀，人算不如天算，该来的还是会来，哪里顾得了那么多？活在当下最重要！”

确实如此，人生有很多事情是我们无法预算与控制的，可是，我们可以提前做准备，
买保险，就是为自己和家人的未来提前做准备
。

Contents =

那或许你会问，什么时候买保险最好？
保险，越早买越好
妥善处理个人财务
回到前面提到的三个人生问题，你有答案了吗？
买保险，对自己与家人负责任

那或许你会问，什么时候买保险最好？

如果你知道你60岁会离开，那59岁买最好；如果你知道你50岁会发生意外，49岁买最好；如果你知道你40岁会大病一场，39岁买最好。

这个时候你就会说：“你以为我是印度神童咩？可以预知未来！”

保险，越早买越好

对啊，现实生活中一切都无法确定，什么时候买保险最好？就是
越早买越好
。如果你现在年轻有活力且身体健康，请为自己买一份合适的保险，因为保费将随着你的年龄增长而逐渐增加，等到年龄渐长，身体出现越来越多状况时再买保险，恐怕已经来不及了。

妥善处理个人财务

此外，买保险就是理财规划的一部分，开始工作后，我们都应该妥善处理个人财务，尤其随着人生阶段的改变，比如成家生子、买车买房、父母退休等，所承担的责任也随之改变，而购买保险不仅对资金进行合理安排与规划，还可以防范与避免因疾病或灾难带来的财务困难。

回到前面提到的三个人生问题，你有答案了吗？

如果你突然离去，人寿保险可以保障你家人的生活不会因为你的离世而瞬间崩塌。如果你因为重疾或意外失去收入，重疾收入替代险、意外险或储蓄保险可以帮助你渡过难关。如果你突然生了一场大病急需一笔医药费，医疗保险或疾病保险就能够让你放心住院，安心休养。

买保险，是对自己和所爱的人负责任。

买保险，对自己与家人负责任

俗话说得好：
未雨绸缪
！买保险是对自己和家人负责任，万一出状况，
不拖累生你的人，也不拖累你生的人，更不拖累跟你一生的人
。

当你觉得你不需要保险的时候，就是买保险的最佳时候，千万别等到你需要保险的时候才想到要买保险，到时候你很有可能已经买不到保险了！


Signs Your Car Engine Oil Needs Changing

The primary role of
minyak hitam
 or car engine oil is to lubricate moving parts in an auto engine. It helps reduce friction which tends to increase the wear of engine parts.

Regular maintenance service can avoid problems, such as oil leaking under the car engine, which may risk damaging other components of your car engine.

But how do you know when to change your car engine oil?

Some experts say that engine oil has to be changed every 5,000 or 10,000 km depending on its type and grade. Read on as we explain several signs your engine oil needs changing.

Contents =

Signs you need to change engine oil
The oil colour turns darker or black
Failing car engine
Increased fuel consumption
Burning smell
Tips to choose suitable engine oil
Choose the right type of engine oil
Check the viscosity level of the oil
Check the engine oil certification standards
Change car engine oil regularly

Signs you need to change engine oil

The oil colour turns darker or black

Despite being called
minyak hitam
, the colour is not solid black.

The actual colour of new engine oil is clear and yellowish-orange or amber. The colour will turn black and thick over time after exposure to dirt or dust contaminants due to internal engine combustion.

You may not notice the
colour change
 initially, so you should occasionally inspect the viscosity of your engine oil. How do you do that? Easy. Follow the steps below:

Remove the dipstick and clean it
Then, dip it into the engine oil
Remove the dipstick again
Smear the dipstick on a white cloth to check the viscosity level

Additionally, do not forget to check the engine oil level.

Make sure it does not exceed or fall short of the proper level. If it exceeds the level, you need to remove some of it to ensure it does not interfere with the engine system.

If the engine oil is below the level, you need to add more oil to avoid damage to the engine components.

Failing car engine

Engine oil serves as a protective layer to prevent friction between metal components in the engine. The oil helps reduce the noise level.

If you leave the engine oil unchanged, it will become sludgy and darker. Your car engine may then start making a knocking noise.

Increased fuel consumption

An increase in fuel consumption indicates the engine oil is no longer effective thus needs to be changed.  Engine oil that is not viscous enough will increase the stress on your vehicle’s engine.

This means your car engine component has to work harder to enhance the driving performance. It will indirectly increase the consumption of gasoline or fuel.

Burning smell

A burning smell while driving may indicate a problem with the engine.

If you smell something burning or notice a cloud of smoke coming from your car hood, immediately stop your car at a safe area. You need to check your engine to address the problem.

Usually, the burning smell is caused by the fuel leakage in the engine. It could also be due to engine overheating that causes the fuel to burn in the exhaust system. This can cause the colour of the exhaust smoke to change to blue or grey over time.

You are recommended to replace the engine oil immediately to avoid extensive damage to your engine.

Tips to choose suitable engine oil

Here is a guide that you may follow to choose the type of engine oil that suits your engine:

Choose the right type of engine oil

There are 3 types of engine oil:
mineral
,
synthetic
and
semi-synthetic
 oil. Each engine oil serves its own purposes. Hence, you should know which type of engine oil is suitable for your car.

Mineral oil

Mineral oil is a type of refined petroleum crude oil. Usually, mineral oil is not durable because there is no formula mixture. It is cheaper than other engine oils.

Synthetic oil

Synthetic oil contains a mixture of synthetic base oil (not exceeding 30%) and mineral base oil. It serves as a good engine protector and is more durable than mineral oil.

Fully synthetic oil

Fully synthetic oil can last long but costs higher than the other two engine oils.

Check the viscosity level of the oil

Two numbers indicate the viscosity level of engine oil:

The first number ends with the ‘W’ alphabet. It refers to oil’s flow in cold (winter) temperatures – when the engine is turned on
The second number refers to oil’s temperature in normal temperature

Engine oil with low viscosity flows smoothly to protect engine parts at cooler temperatures. On the other hand, engine oil with thick and high viscosity protects the engine better at higher temperatures.

You can choose the right viscosity rate for your car by referring to your car’s manual.

Check the engine oil certification standards

Other than that, engine oil also comes with engine oil certification standards:

API (
American Petroleum Institute
)
ACEA (
European Automobile Manufacturers Association
), ILSAC (
International Lubricant Specification Advisory Committee
)
JASO (
Japanese Automotive Standards Organization
)

A certification standard shows the product has passed the prescribed requirements. In addition, it is also one of the ways to ensure performance and quality assurance.

Change car engine oil regularly

Do not forget to monitor your car’s engine oil regularly. Any delay in replacing the engine oil will damage the car components, and the repairs can cost you severely.

Please do not forget to
renew your car insurance
 before the expiry date. Visit Bjak to compare various leading insurance brands in Malaysia and save up to RM480! Start by getting your
free car insurance quotes
 in 3 minutes today.


How Is Car Insurance Premium Calculated?

Effective July 1, 2017, premium rates for Motor Comprehensive and Motor Third Party, Fire and Theft products have been liberalised. Following the
motor tariff liberalisation
 by Bank Negara Malaysia (BNM), premium rates are determined by individual insurers and takaful operators. This liberalisation causes car insurance premiums to vary, giving more options to consumers. For your awareness, we share in this article the factors that affect car insurance premiums and how to calculate car insurance premiums.

Contents =

Factors that affect car insurance premiums
Car market value
Car’s manufacture year
No Claim Discount (NCD)
Type of car insurance
Car location
Driving record
Occupation
How to calculate car insurance premiums
Compare before you buy car insurance

Factors that affect car insurance premiums

Car market value

One of the factors that affect car insurance premiums is
car market value
. Typically, cars with a higher market value will have a higher sum insured and therefore a higher premium. For instance, a brand new BMW 2 Series Gran Coupe with a market value of RM199,177 will have a higher insurance premium than a brand new Honda Jazz with a market value of RM75,300.

Nevertheless, note that car market value depreciates every year. This will thus lower your insurance premium as your car market value depreciates. You can check your
vehicle market value
 for free at MyCarInfo.

Car’s manufacture year

Car’s manufacture year also affects car insurance premiums. For example, a Proton Saga manufactured in 2016 will have a lower insurance premium compared to a Proton Saga manufactured in 2021. In other words, insurance premiums for older cars tend to be lower than insurance premiums for newer cars.

No Claim Discount (NCD)

Your No Claim Discount (NCD) also affects your car insurance premium.
NCD is a ‘reward’ scheme
 that you earn if you do not make any claim on your insurance policy on an annual basis.

The NCD rates vary according to different classes of vehicles. For private cars, the NCD rates range from 25% to a maximum of 55%. The higher your NCD rate gets, the lower your car insurance premium becomes. Refer to our visual below for the
NCD rates for private cars in Malaysia
.

Type of car insurance

The
type of car insurance
 that you choose also affects your car insurance premium.
Comprehensive insurance
 is more expensive than the most basic insurance that is
third party insurance
. Meanwhile,
third party, fire and theft insurance
 is cheaper than comprehensive insurance but more expensive than third party insurance.

For your information, it is compulsory for cars aged 10 years old and below to have comprehensive insurance. For cars older than 15 years old, it is encouraged for the cars to have third party, fire and theft insurance.

Car location

Typically, insurance premiums for cars in city areas are higher in comparison to the premiums for cars outside of city areas.

Other than that, car insurance premiums are also higher for cars in West or Peninsular Malaysia than cars in East Malaysia (Sabah and Sarawak).

Driving record

If you are a good driver and have a squeaky-clean driving record, your car insurance premium will likely be lower. In contrast, if you often violate traffic rules and run into road accidents, your insurance premium will likely be higher as your insurer will consider you a high-risk driver.

Occupation

If your occupation requires you to drive often to high-risk areas such as construction sites, your car insurance premium may be higher. This is because your car usage due to your occupation exposes your car to a higher risk of accidents and damages.

How to calculate car insurance premiums

The basic formula to calculate car insurance premiums is as follows:

Car insurance premium = Premium (after NCD, if any)  +
Additional coverage
 (if any) + Service tax (6%) + Stamp duty (RM10)

Compare before you buy car insurance

In conclusion, a few factors affect car insurance premiums. The factors include your car market value, type of car insurance and your No Claim Discount (NCD). As your insurance premiums are also based on the risk assessment by insurers, it is crucial that you compare the coverages and premiums offered by different insurers.

To help you easily compare insurers and their offerings, we recommend that you use Bjak,
one of the biggest insurance comparison sites in Malaysia
. At Bjak, you can
get up to 15 car insurance quotes for free
. You can renew your insurance online and have it activated in just 5 minutes.

Get free quote


Pothole Fatalities: Here’s What You Need To Know

Accident cases due to potholes or bad roads are not new.

As many as 223 accidents caused by poor road conditions in Selangor were recorded between 2018 and 2020. According to the
Selangor Traffic Enforcement and Investigation Department
 chief Superintendent Azman Shari’at, 148 cases resulted in death. Out of these fatalities, 116 cases involved motorcyclists.

Contents =

Cases of pothole fatalities
Can you claim insurance or sue in the event of a road accident due to potholes or damaged roads?
Know your rights as a road user

Cases of pothole fatalities

The followings are among the reported accidents due to potholes in 2021:

3 January 2021

A 75-year-old folk died
 after the motorcycle he rode hit a pothole at Jalan Tengah heading to Mid Valley at 7.30 am.

4 January 2021

A 31-year-old food delivery rider died
 as he lost control of his motorcycle when it hit a pothole on Jalan PJU 7/2, Mutiara Damansara.

18 March 2021

A form six student
 claimed that she missed her Sijil Tinggi Persekolahan Malaysia (STPM) examination paper after being involved in an accident due to a pothole at Kilometer 8, Jalan Lipis-Padang Tengku, Kuala Lipis, Pahang.

16 June 2021

A Wira driver faced an anxious moment when his
car sank into a hole due to road sediment
 at Jalan Lampam, Tanjung Puteri Resort, Pasir Gudang.

18 November 2021

An old folk fell on the road when the motorcycle he rode fell into a sewer hole in Johor.

Can you claim insurance or sue in the event of a road accident due to potholes or damaged roads?

Image credit:
Soundofhope

If you have been practising safe driving, is it not unfair for you to bear the consequences of a road accident due to a damaged or potholed road?

According to Prof Madya Dr Ahmad Marthada, any individual can claim damages or file a suit in court if they are involved in road accidents following negligence in maintaining and repairing any road damage.

The Universiti Utara Malaysia lecturer said they could claim for damage from the involved department.

For example, one can claim from the Public Roads Department (JKR) due to negligence resulting in accidents or injuries to road users.

Meanwhile, AskLegal states that
public roads are constructed and maintained by the state government
 as described in the Roads, Drains and Buildings Act 1974,
except
 for highways with their own concession companies such as PLUS and private roads owned by a company or strata-certified roads such as in condominiums.

Therefore, road users who are victims of the situation
can file a suit against the relevant party (authorities/government) under Section 5 of the Government Proceedings Act
.

However, you still have to fulfil the criteria when filing a lawsuit. The suit for negligence requires sufficient evidence so that compensation may proceed to the relevant party.

You need to keep in mind that filing a suit will take quite some time. This is because the case needs to show that negligence is indeed on the part of the sued party.

Know your rights as a road user

Accidents due to road damage such as a pothole often occur, especially to motorcycle users. If it happens to you, make sure you know your rights to get compensation.

Do not take this matter lightly. Consult an expert for professional consultation or get advice from your insurer to help you if you are unsure.

Please also make sure your car insurance is active to ensure that you are covered.

Simply visit Bjak to get the best insurance plan for your car.
Get free car insurance quotes
 within 3 minutes and compare up to 15 insurance brands.


Maksud Simbol Amaran Pada Dashboard – Ini Yang Anda Perlu Tahu!

Ketika sedang memandu di atas jalan raya, tiba-tiba anda melihat simbol amaran menyala pada dashboard anda. Tentu anda mengagak terdapat masalah pada kenderaan anda bukan?

Namun, adakah anda tahu maksud setiap simbol amaran tersebut? Sebenarnya sebagai seorang pemandu, penting untuk anda fahami maksud simbol-simbol tersebut untuk memastikan kereta anda dalam keadaan baik.

Lampu amaran akan menyala bagi menandakan bahawa terdapat masalah pada bahagian-bahagian tertentu komponen kereta. Baca artikel ini untuk ketahui maksud lampu amaran yang terdapat pada dashboard anda.

Contents =

Lampu tekanan minyak enjin
Lampu enjin
Lampu amaran suhu
Lampu amaran sistem brek
Lampu bateri
Lampu amaran minyak
Lampu kawalan daya tarikan
Fahami lampu amaran pada dashboard anda

Lampu tekanan minyak enjin

Lampu tekanan minyak enjin menyala pada dashboard anda boleh disebabkan oleh beberapa perkara. Ia tidak sahaja menunjukkan bahawa anda kehabisan minyak, tetapi ia juga boleh menandakan bahawa minyak kereta anda kotor ataupun terdapat kebocoran minyak.

Anda disarakan untuk berhenti di tepi jalan dan tutup enjin kereta terlebih dahulu untuk pemeriksaan sebelum menyambung perjalanan.

Jangan teruskan pemanduan sekiranya lampu ini menyala kerana ia boleh menyebabkan kerosakan yang lebih serius pada enjin kereta anda.

Lampu enjin

Simbol enjin ini akan menyala apabila komputer enjin dapat mengesan masalah pada sistem kereta anda. Ia berkemungkinan disebabkan oleh masalah enjin, transmisi, suspensi atau brek kereta anda.

Cara terbaik untuk mengenalpasti masalah ini adalah menerusi pemeriksaan menyeluruh terhadap kereta anda. Masalah mungkin berbeza mengikut jenis, model dan tahun pengeluaran kereta.

Tetapi, bolehkah anda meneruskan pemanduan sekiranya lampu enjin ini menyala? Ya, anda masih boleh terus memandu.

Bagaimanapun, anda perlu segera memeriksa kereta anda. Jika anda mengesan sebarang masalah besar seperti enjin kereta bergetar, anda perlu pandu ke kawasan yang lebih selamat dan dapatkan bantuan perkhidmatan tunda. Hubungi
talian bebas tol syarikat insurans
 anda kerana kebiasaannya, perkhidmatan tunda juga disediakan secara percuma sebagai sebahagian daripada perlindungan insurans kereta anda.

Lampu amaran suhu

Apabila lampu amaran suhu menyala, ini menandakan bahawa enjin kereta anda terlalu panas. Air sejuk yang tidak mencukupi atau sistem penyejukan yang tidak berfungsi boleh menyebabkan enjin menjadi terlalu panas.

Walaupun kereta masih boleh dipandu, ia boleh menyebabkan kerosakan enjin yang lebih besar jika anda terus memandu dengan enjin yang panas.

Sekiranya anda mendapati lampu amaran suhu ini menyala, hentikan kereta anda dengan segera ke bahu jalan untuk mengelakkan enjin menjadi lebih panas.

Lampu amaran sistem brek

Apabila lampu amaran sistem brek ini menyala, ia boleh menandakan dua masalah berkenaan iaitu, cecair hidraulik (bendalir brek) dalam silinder induk adalah rendah, atau brek letak kereta digunakan.

Sekiranya anda mendapati lampu amaran ini menyala semasa sedang memandu, segera hentikan kereta ke kawasan yang selamat dan tutup enjin kereta anda. Perkara yang pertama sekali anda perlu lihat adalah brek kecemasan anda. Sekiranya brek anda sudah dilepaskan, pantau cecair hidaraulik anda pula.

Lampu bateri

Lampu amaran bateri ini menandakan terdapat masalah pengecasan bateri. Ia menunjukkan bateri kereta anda tidak lagi dicas oleh alternator tetapi sebaliknya hanya menggunakan kuasa yang sedia ada.

Lampu bateri ini mungkin akan menyala selama sesaat atau dua tetapi ia akan hilang dengan cepat. Sekiranya simbol ini tetap menyala semasa enjin dihidupkan, ini bermakna terdapat masalah dengan alternator anda. Kereta anda hanya dihidupkan dengan kuasa bateri yang ada yang mana akan kehabisan juga lambat-laun.

Ini apa yang anda perlu lakukan sekiranya lampu bateri ini menyala:

Matikan semua komponen elektrik seperti radio dan penghawa dingin
Cari bengkel atau pusat servis yang berdekatan
Jika tiada bengkel yang berdekatan, pandu kereta anda ke lorong kecemasan dan matikan enjin kereta
Dapatkan perkhidmatan tunda daripada syarikat insurans anda

Lampu amaran minyak

Kebanyakan pemandu mesti sudah tahu fungsi simbol ini. Simbol amaran ini menandakan minyak kereta anda sudah hampir kehabisan,

Agak berbahaya sekiranya anda memandu dengan tangki minyak yang kosong. Bayangkan jika anda terperangkap dalam kesesakan trafik? Kereta anda mungkin akan kehabisan minyak di tengah jalan!

Jadi, kami nasihatkan anda untuk sentiasa pastikan tangki minyak anda sentiasa penuh.

Lampu kawalan daya tarikan

Lampu ini menandakan sistem kawalan daya tarikan kereta anda sudah diaktifkan. Sistem kawalan ini menggunakan sistem anti-kunci brek anda untuk menentukan sama ada satu roda berputar lebih laju daripada roda yang lain.

Jika ia mengesan bahawa roda sedang tergelincir, ia menggunakan brek sehingga ia mendapat cengkaman semula. Ini sangat membantu apabila anda memandu dalam hujan atau salji.

Fahami lampu amaran pada dashboard anda

Di sini, kami telah sertakan beberapa amaran yang sering muncul pada dashboard anda, yang wajib anda ketahui. Sekiranya anda tidak pasti, anda boleh merujuk panduan manual yang terdapat dalam kereta anda.

Selain itu, pastikan juga insurans kereta anda sentiasa aktif. Sekiranya tarikh tempoh insurans anda sudah hampir tamat, anda perlu segera memperbaharui insurans kereta agar tidak terlewat.

Kunjungi Bjak, salah satu laman perbandingan insurans yang terbesar di Malaysia, untuk dapatkan
sebut harga insurans kereta anda secara percuma dalam masa 5 minit sahaja.


保险索赔：车子在暴乱中损坏，可以索赔吗？

罢工或暴动事件很少在马来西亚发生，但这并不代表它不会发生。

万一真的发生了这样的不幸事件，而你的车辆也那么不幸地牵涉在其中，并遭到严重损坏，这样的情况是否可以提出
保险索赔
？

Contents =

车子在暴乱中损坏是什么意思？
车子在暴乱中损坏，可以索赔保险吗？
骚乱或民事破坏保障（Strikes, Riot, and Civil Commotion (S.R.C.C) ）
如何计算此类附加保险的保费？
你需要添加骚乱或民事破坏保障吗？
根据个人需要添加附加保险

车子在暴乱中损坏是什么意思？

罢工运动、暴动或骚乱事件等都会对车辆造成损坏。假设你的车辆停放在发生暴乱的地区，车辆损坏的几率非常高。

2018年，
斯里马哈马里安曼兴都庙（Kuil Sri Maha Mariamman ）发生了骚乱事件
，多达18辆停放在该处的轿车被烧毁！

在这种情况下，车主是否可以向保险公司提出赔偿？

车子在暴乱中损坏，可以索赔保险吗？

你可能以为
综合型汽车保险
会为你的爱车提供最全面的保障。然而，你需要了解，任何因罢工、骚乱或暴动所造成车辆的损失或损坏都不包含在内。

大多数保单都拥有“例外条款”，声明保险公司在发生以下情况时
不会
做出赔偿：

罢工（strike）
暴动（riot）
骚乱（civil commotion）

你可以在保单中找到类似的段落：

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.

译文：

任何由侵略、战争（无论是否宣战）、外敌行为、敌对行动、内战、恐怖主义行为、罢工、骚乱、内乱、起义、革命、军事政变或任何此类事件直接或间接造成的损失、破坏及责任。

换句话说，若你的车辆因以上的任何一种情况而遭到破坏或损失，你都无法提出保险索赔。

骚乱或民事破坏保障（Strikes, Riot, and Civil Commotion (S.R.C.C) ）

假如你在
综合型保险
中加入额外的
骚乱或民事破坏保障
，结果会有所不同。此类附加保险将为你的爱车在发生上述情况时提供保障，即你可以因为骚乱或暴动等事件造成车辆损坏而提出保险索赔。

如何计算此类附加保险的保费？

骚乱或民事破坏保障的保费为保额的0.3%。

举个例子，你的汽车保额为RM50,000，在添加了
骚乱或民事破坏保障
后，你只需额外支付0.3%，即RM150。

然而，保费的价格因各家保险公司而异，若想了解实际价格，请向你的保险公司查询。

你需要添加骚乱或民事破坏保障吗？

很少车主会购买此类附加保险，因为这种事件并不常发生。

如果你选择不购买此类附加保险，请时时刻刻确保你的车辆停放在安全的地区，避免停放在路边或政治场所。

根据个人需要添加附加保险

作为一名车主，你清楚知道其实
综合型保险
也不足以保障自己的车辆规避所有风险。因此，你可以通过添加
附加保险
来“升级”保险。

罢工、骚乱或暴动事件都是不可预测的，我们无法提前知道这样的事件会在什么时候或什么地方爆发。

如果您有额外的预算，建议你在综合型保单中添加
骚乱或民事破坏保障
，以让你的爱车获得全面保障。

另外，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。

在必佳，你可以
一次性比较15家保险公司的报价
。根据你的需求与预算选择适合自己的汽车保险，然后付款。大约10分钟，你就可以轻轻松松更新汽车保险。

现在就到必佳更新车险！

索取报价

延伸阅读：

汽车保险里的附加保险
为什么您需要综合型保险？
为什么你需要购买汽车保险？
汽车保险完整指南
汽车保险所承保与不承保的保障


Emergency Items In Your Car: 8 Things That You Must Pack

Emergencies and accidents can occur anytime, anywhere, so it’s crucial to have a well-stocked emergency car kit. Instead of waiting idly for help to arrive, packing the following 10 items can significantly improve your situation and even save lives. Read on to discover the checklist of essential items you should pack in your car.

Contents =

First aid kit
Spare charger
Jumper cables
Fire extinguisher
Spare tyre
Torchlight with spare batteries
Snacks and drinkable water
Swiss army knife

First aid kit

Having a comprehensive first aid kit is of utmost importance. You can either purchase a pre-packed kit from a pharmacy or assemble one yourself. Ensure your kit includes bandages, band-aids, medical gauze, antiseptic wipes, burn and antiseptic cream, painkillers, allergy tablets, cotton wool and swaps, and saline solution. A well-stocked first aid kit can provide immediate care until professional help arrives.

Spare charger

In today’s smartphone-dependent world, staying connected is crucial. Keep a portable spare charger in your car to ensure your smartphone remains functional even in emergencies. Running out of battery power during a car breakdown is the last thing you need. With a spare charger, you can make important calls and access helpful information when needed.

Jumper cables

Experiencing a dead car battery can be frustrating, especially if you don’t have jumper cables. Make sure to keep a pair of jumper cables in your car for such situations. Choose cables that are long enough to connect two cars and have rubber handles for safety. Jumper cables allow you to revive your battery with the assistance of another vehicle.

Fire extinguisher

Though car fires are uncommon, they can happen unexpectedly. It’s useful to have a fire extinguisher readily available in your car. When purchasing one, select a type suitable for petroleum fires, avoiding water extinguishers. This precautionary measure can help you tackle small fires and prevent them from escalating.

Spare tyre

Every car must have a spare tire as a fundamental safety measure. Alongside knowing how to change a flat tire, ensure your spare is in good condition. Tires can degrade over time, even if they haven’t been used. As a rule of thumb, consider replacing your spare tire every five years to ensure its reliability when needed.

Torchlight with spare batteries

If you find yourself stranded on the side of the road during night-time, a working flashlight can be the most important emergency item in your car. While your phone’s flashlight may serve as an alternative, it often lacks the reliability and power of a dedicated flashlight. Having a reliable flashlight with spare batteries ensures that you can navigate through dark surroundings, signal for help, and assess your situation more effectively.

Snacks and drinkable water

When you’re stranded on a highway, it’s impossible to predict how long it will take for help to arrive. By packing snacks and drinkable water in your car, you can satisfy your hunger and quench your thirst until rescue comes. These provisions can provide comfort and nourishment during unexpected delays.

Swiss army knife

This is an invaluable item to have in your car during emergencies. This versatile tool can assist in tightening screws, cutting wires and threads, and providing quick fixes in various situations. Its compact size and functionality make it a practical addition to your glove compartment.

Being prepared for emergencies on the road is crucial for every driver. By packing these 8 essential emergency items in your car, you significantly increase your ability to handle unexpected situations and ensure your safety and well-being.

And if you’re looking to renew your car insurance, visit Bjak to enjoy exclusive discounts, attractive prices and benefits.

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


Soalan Lazim Mengenai Takaful Motor

Sama seperti insurans motor konvensional, insurans Takaful Motor juga berfungsi dengan konsep yang sama, iaitu menyediakan perlindungan kepada kenderaan.

Walau bagaimanapun, kedua-duanya berbeza dari segi prinsip yang mereka pegang. Meskipun kedua-duanya melindungi pihak yang diinsuranskan, tetapi Takaful mengenakan konsep patuh Syariah. Takaful wujud sebagai pengganti kepada insurans konvensional versi ‘halal’ untuk orang Islam.

Mungkin masih ramai yang belum begitu memahami konsep Takaful. Jika anda salah seorang daripadanya, apa kata anda teruskan membaca artikel ini untuk mengetahui dengan lebih lanjut beberapa persoalan mengenai Takaful bagi pemahaman anda.

Contents =

Apakah itu Takaful Motor?
Apakah ciri-ciri utama Takaful?
Bagaimanakah Takaful Motor berfungsi?
Apakah perbezaan utama di antara Takaful dengan insurans konvensional?
Apakah itu Perkongsian Lebihan dalam Takaful?
Apakah yang dilindungi oleh Takaful Motor?
Bolehkah orang bukan Muslim membeli pelan Takaful Motor?
Mengapakah insurans konvensional dilarang dalam Islam?
Apakah itu Gharar (ragu-ragu)?
Apakah itu Masyir (judi)?
Apakah itu Riba’ (faedah)?
Di manakah saya boleh membeli pelan Takaful?

Apakah itu Takaful Motor?

Takaful Motor merujuk kepada pelan insurans yang mematuhi undang-undang dan menggunakan konsep patuh Syariah. Secara amnya, pelan takaful motor bebas daripada 3 prinsip yang dilarang oleh Islam iaitu:

Riba’ (faedah)
Masyir (judi)
Gharar (ragu-ragu)

Apakah ciri-ciri utama Takaful?

Bagaimanakah Takaful Motor berfungsi?

Dalam insurans konvensional, risikonya ditanggung sepenuhnya oleh syarikat insurans selepas bayaran yang dipanggil sebagai premium dibuat oleh pemegang polisi. Namun berbeza dengan takaful, ia adalah berdasarkan konsep perkongsian risiko. Setiap peserta akan menderma ke dalam dana takaful; dan sekiranya berlaku sebarang kerugian, peserta akan menerima jumlah tuntutan yang diperlukan oleh mereka.

Selain itu, peserta Takaful mengekalkan kepentingan pemilikan dalam dana. Sumbangan daripada peserta kemudiannya dilaburkan ke dalam tabung/ dana patuh Syariah bagi memperoleh pendapatan pelaburan.

Jika dana menjana lebihan, ia akan dikongsikan bersama dalam kalangan peserta dan pengendali Takaful (untuk sesetengah kes). Bermakna, ia mewujudkan situasi ‘menang-menang’ untuk semua peserta.

Apakah perbezaan utama di antara Takaful dengan insurans konvensional?

Apakah itu Perkongsian Lebihan dalam Takaful?

Lebihan merujuk kepada ‘lebihan’ (baki) ke atas tuntutan, ditambah dengan pulangan pelaburan. Perkongsian Lebihan justeru merujuk kepada tindakan mengagihkan keuntungan dan pendapatan pelaburan antara pengendali Takaful dan peserta.

Apakah yang dilindungi oleh Takaful Motor?

Pelan Takaful motor menyediakan perlindungan terhadap kehilangan atau kerosakan pada kenderaan anda sendiri akibat kebakaran, kecurian atau kemalangan; dan/atau kecederaan badan atau kematian pihak ketiga serta kehilangan atau kerosakan harta benda pihak ketiga.

Secara amnya, terdapat dua jenis perlindungan di bawah pelan takaful motor iaitu polisi pihak ketiga dan polisi komprehensif.

Polisi pihak ketiga
 melindungi anda daripada kematian, kecederaan badan dan/atau kerosakan harta benda pihak ketiga.
Polisi komprehensif
 melindungi anda daripada kematian pihak ketiga, kecederaan badan dan/atau kerosakan harta benda, dan kerugian dan/atau kerosakan pada kenderaan anda akibat kebakaran, kecurian atau kemalangan yang tidak disengajakan.

Bolehkah orang bukan Muslim membeli pelan Takaful Motor?

Takaful bukanlah produk perlindungan yang hanya dikhususkan kepada orang Islam sahaja. Individu bukan Islam juga layak dan boleh membeli produk takaful tanpa sebarang keraguan dan masalah. Ini kerana produk Takaful adalah berasaskan konsep koperasi yang memberi manfaat kepada semua anggota masyarakat tanpa sebarang diskriminasi terhadap etnik, kepercayaan mahupun warna kulit.

Mengapakah insurans konvensional dilarang dalam Islam?

Insurans konvensional mungkin memiliki elemen yang dilarang oleh Islam iaitu Riba’ (faedah), Masyir (judi) dan Gharar (ragu-ragu). Orang Islam wajib mencari yang halal dan patuh dengan ajaran Islam.

Apakah itu Gharar (ragu-ragu)?

Ia merujuk kepada elemen ketidakpastian sepenuhnya atau risiko ke atas sesuatu. Gharar wujud memandangkan terdapat ketidakpastian mengenai perkara yang ‘dibeli’ atau dibayar oleh pemegang polisi jika tiada sebarang kerugian berlaku dan pemegang polisi tidak menerima apa-apa.

Apakah itu Masyir (judi)?

Ia adalah perjudian atau satu bentuk ‘permainan peluang’. Masyir wujud kerana pembayaran jumlah yang diinsuranskan adalah bergantung kepada peluang (jika ada) terhadap pemegang polisi.

Apakah itu Riba’ (faedah)?

Ia merujuk kepada faedah (tambahan). Riba berlaku apabila wujudnya tambahan atas jumlah pokok hutang akibat penangguhan tempoh, sama ada penambahan itu dijanjikan oleh peminjam atau ditetapkan oleh pemberi pinjam ketika memeterai kontrak atau pelanggaran kontrak.

Di manakah saya boleh membeli pelan Takaful?

Anda boleh melayari laman web Bjak untuk mendapatkan pilihan yang lebih menyeluruh bagi pelan Takaful. Bjak menawarkan sehingga
empat jenama Takaful
 terkemuka di Malaysia untuk anda bandingkan.

Contohnya, Etiqa Takaful, Takaful Malaysia, Takaful Ikhlas dan Zurich Takaful.

Baca juga:

Panduan Lengkap Insurans Takaful di Malaysia
Senarai Syarikat Insurans Kereta & Takaful di Malaysia
Panduan Lengkap Insurans Kereta


更新车险零负担！Grab PayLater享有RM15 OFF！

汽车保险快到期了，但手头紧？别忘了在必佳更新车险，可以选择“先买后付”，分期几个月付款，这样就不用担心一次过付完，月底要吃白面包啦！

而且，从即日起至8月31日，在必佳更新车险时，选择“先买后付”时还能享有额外折扣哦！马上来看看！

索取报价

Contents =

什么是先买后付？
必佳更新车险，享有RM15折扣
使用Grab PayLater的好处
谁能使用Grab PayLater？
选择必佳，最简单、最方便、最低价

什么是先买后付？

自从2021年11月，必佳和Atome合作推出先买后付（BNPL）管道后，上个月我们又提供了其它分期付款方法，包括Grab PayLater和SpayLater，让大家在更新车险时变得更方便、更简单，也能大大减轻负担。

必佳更新车险，享有RM15折扣

现在，只要在必佳更新车险时，点击“先买后付”，并选择Grab PayLater，就可以将保费分成4个月分期付款。

付款时输入Promo code
【
PLD15
】
就可以享有RM15的折扣，优惠有效期至2023年8月31日！只有1500份，所以想要省钱的车主，要快哦！

只需消费最低RM180就能享有这项优惠了！而且，还能获得高达1.5%的 Grab Rewards积分！机会难得，不要错过！

使用Grab PayLater的好处

✨ 4个月分期付款

✨ 零利息

✨ 只要准时付款，就不会征收额外费用

✨ 简单、安全、可靠

谁能使用Grab PayLater？

✨ 成为Grab用户至少6个月时间

✨ 21岁以上

✨ 通过验证的Grab账号

✨ Platinum、Gold或Silver GrabRewards用户

选择必佳，最简单、最方便、最低价

政府规定所有车辆都必须拥有有效的车险和路税，才能在路上行驶。但，如今经济不景气，很多人都陷入经济困难，但没车代步又不太方便，所以必佳的“先更新后付款”消费模式，旨在于帮助更多车主可以在最低负担情况下，为他们的爱车购买最佳的车险保障。

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15家保险公司报价，并根据自己的需求和预算选择合适的保险配套。付款后，车险立即生效，省时方便！今天就到必佳了解更多吧！

索取报价


Rakan Cedera Ketika Anda Memandu, Bolehkah Claim Insurans untuk Tanggung Kos Rawatannya?

Setiap hari, anda berkongsi kereta atau
‘carpool’
bersama seorang rakan anda ke tempat kerja. Namun pada suatu hari, nasib anda kurang baik apabila kereta yang dipandu oleh anda itu terlibat dalam kemalangan sehingga menyebabkan rakan anda mengalami kecederaan yang agak teruk terutama di bahagian tangan dan kepala.

Akibatnya, rakan anda ingin meminta anda menanggung kos rawatannya di hospital. Bagaimanapun persoalannya, bolehkah anda membuat tuntutan
insurans kereta
 bagi membantu membayar kos rawatan rakan anda itu? Untuk mengetahuinya, teruskan sahaja membaca artikel ini.

Renew Insurans

Contents =

Bolehkah tuntutan insurans dilakukan bagi menanggung kos rawatannya?
Apa jadi jika anda tidak memiliki perlindungan tambahan liabiliti undang-undang kepada penumpang?
Dapatkan perlindungan tambahan liabiliti undang-undang kepada penumpang

Bolehkah tuntutan insurans dilakukan bagi menanggung kos rawatannya?

Selain daripada rasa bersalah, anda juga sedikit sebanyak pasti akan terasa ‘pening’ memikirkan kos rawatan yang ‘dituntut’ oleh rakan anda itu bukan?

Namun jangan risau, kekal tenang. Anda sebenarnya boleh membuat tuntutan insurans bagi menanggung kos rawatan rakan anda itu. Tetapi ada syaratnya, iaitu
polisi insurans kereta
 anda pada ketika itu mempunyai perlindungan tambahan liabiliti undang-undang kepada penumpang.

Perlindungan tambahan ini akan melindungi anda daripada sebarang liabiliti undang-undang atas kecederaan tubuh atau kematian penumpang akibat pemanduan anda. Dengan kata lain, pihak insurans membantu anda untuk menanggung kos rawatan bagi kecederaan rakan anda itu, namun had jumlah tuntutan adalah bergantung kepada apa yang telah ditetapkan oleh syarikat insurans anda.

Apa jadi jika anda tidak memiliki perlindungan tambahan liabiliti undang-undang kepada penumpang?

Anda perlu tahu bahawa perlindungan liabaliti undang-undang kepada penumpang ini tidak termasuk dalam polisi asas insurans kereta. Justeru, untuk memastikan anda lebih dilindungi khususnya daripada tuntutan seperti ini, anda perlu menambah/ membelinya ketika membeli insurans anda.

Jika insiden seperti contoh situasi di atas berlaku dan secara kebetulan anda tidak memiliki perlindungan tambahan ini, maka anda perlu tahu bahawa
kos rawatan rakan anda itu perlu dibayar oleh anda menggunakan wang sendiri
. Pihak insurans tidak akan menanggungnya bagi pihak anda memandangkan ia tidak termasuk dalam perlindungan polisi insurans anda.

Dapatkan perlindungan tambahan liabiliti undang-undang kepada penumpang

Meskipun di Malaysia tidak diwajibkan untuk pemegang polisi memiliki perlindungan tambahan ini, namun anda amat digalakkan untuk mengambilnya bagi melindungi anda daripada sebarang tuntutan yang tidak dijangka.

Secara dasarnya, anda hanya perlu membayar sekitar 25% daripada jumlah premium polisi pihak ketiga bagi mendapatkan perlindungan ini. Ia tidaklah begitu mahal jika dibandingkan dengan kos rawatan yang perlu ditanggung menggunakan wang anda sendiri. Ingat, dengan adanya perlindungan tambahan ini, pihak insurans anda akan menanggung kos kerugian akibat liabiliti tersebut terhad kepada situasi-situasi yang diberikan perlindungan.

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

Renew Insurans

Baca juga:

Insurans Kereta: Perlukah Ambil Perlindungan Liabiliti Undang-Undang kepada Penumpang?
Jenis-jenis Perlindungan Tambahan untuk Insurans Kereta
Perlindungan Semua Pemandu: Perlu atau Tidak?


Mengapa Harga Cukai Jalan Kenderaan Berbeza-beza?

Setiap pemilik kenderaan bertanggungjawab untuk memperbaharui
roadtax
 atau juga dikenali sebagai
cukai jalan
 pada setiap tahun dengan harga yang tertentu. Bagi kadar harga cukai jalan, ianya tidak sama untuk semua kenderaan dan adalah berbeza mengikut beberapa faktor yang tertentu.

Apakah faktor-faktor tersebut? Jom baca maklumat dibawah untuk maklumat lebih lanjut.

Contents =

Saiz Kapasiti Enjin
Lokasi Geografi (Semenanjung Malaysia, Malaysia Timur, atau Labuan / Langkawi / Pangkor)
Jenis Kenderaan (Saloon vs Non-Saloon)
Pemilikan dan Kegunaan Kereta
Kiraan kadar harga roadtax di Malaysia

Saiz Kapasiti Enjin

Kapasiti enjin kereta anda mempengaruhi jumlah yang perlu anda bayar untuk roadtax anda.

Sebagai contoh, nombor yang terdapat pada setiap model kereta tersebut (1.0 / 2.0 / 3.0). Setiap nombor ini sebenarnya merujuk kepada kapasiti enjin sesebuah kereta itu.
Pihak berkuasa telahpun menetapkan senarai harga roadtax mengikut kapasiti enjin. Secara amnya, lebih tinggi kapasiti enjin anda, maka lebih tinggi bayaran roadtax yang akan dikenakan.

Kapasiti enjin kereta

Lokasi Geografi (Semenanjung Malaysia, Malaysia Timur, atau Labuan / Langkawi / Pangkor)

Harga roadtax berbeza bagi lokasi yang berbeza.

Secara ringkasnya, harga roadtax di Semenanjung Malaysia paling mahal berbanding dengan lokasi-lokasi yang disenaraikan di atas.

Bagi penduduk yang mempunyai kereta berdaftar di Labuan, Langkawi, dan Pangkor, mereka dikenakan roadtax tetap sebanyak RM20 untuk kapasiti enjin dibawah 1000cc. Tetapi sekiranya kenderaan mereka melebihi kapasiti enjin iaitu 1000cc dan keatas, kos roadtax yang akan dikenakan adalah 50% daripada pemilik kenderaan di Semenanjung Malaysia.

Jenis Kenderaan (Saloon vs Non-Saloon)

Faktor seterusnya yang akan menentukan perbezaan kadar kos roadtax kenderaan di Malaysia adalah jenis kenderaan tersebut. Jenis kenderaan ini dibahagikan kepada dua kategori iaitu
saloon
 dan
non-saloon
.

Kereta jenis yang tergolong dalam kategori non-saloon kebiasaannya akan dikenakan lebih mahal berbanding kereta yang berada dalam golongan saloon.

Rujuk gambar di bawah untuk membezakan kereta saloon dan non-saloon.

Jenis-jenis kenderaan

Pemilikan dan Kegunaan Kereta

Sekiranya kereta anda berdaftar di bawah nama syarikat, kereta anda dikelaskan sebagai kereta komersil. Maka, roadtax yang perlu dibayar oleh anda adalah lebih mahal berbanding roadtax kereta persendirian.

Kiraan kadar harga roadtax di Malaysia

Seperti yang sudah dijelaskan di atas, perbezaan harga roadtax ditentukan oleh beberapa faktor, dan ia termasuk mengikut kapasiti enjin kenderaan, jenis kenderaan dan juga lokasi. Bagi kapasiti enjin, semakin tinggi kapasiti enjin sesebuah kenderaan itu, semakin tinggi harga roadtax yang akan dikenakan.

Berikut adalah kadar pengiraan harga roadtax di Semenanjung Malaysia:

Kadar harga untuk model
saloon
 di Semenanjung

Kadar harga untuk model
SUV/MVP/Pickup
 di Semenanjung

Kadar harga roadtax untuk model saloon (daftar atas nama syarikat) di Semenanjung

Kadar harga untuk model saloon (persendirian) di Sabah & Sarawak

Kadar harga untuk model SUV/MVP/Pickup di Sabah & Sarawak

Semoga bermanfaat!

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

Renew Online

Baca juga:

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


Senarai Panel Workshop Insurans di Malaysia

Tengah seronok memandu, tiba-tiba “gedegang”! Rupa-rupanya terlibat dalam kemalangan jalan raya.

Selepas terlibat dalam kemalangan, perkara yang selalu dirunsingkan oleh pemilik kereta adalah di bengkel mana yang perlu dihantar untuk baiki kenderaan. Nak hantar ke bengkel panel ke nak hantar ke bengkel pilihan sendiri?

Sebagai pemilik kereta, anda mestilah inginkan agar bengkel tersebut menyediakan kualiti servis yang terbaik! Iyalah, siapa tak sayang kereta kan? Mana-mana pemilik kereta pun mesti nak kereta dibaiki dengan baik dan cepat.

Jadi, untuk membantu anda mendapatkan servis
repair
kereta terbaik, kami kongsikan di sini senarai panel
workshop
 insurans di Malaysia.

Contents =

Apakah maksud panel workshop (bengkel panel)?
Kenapa perlu hantar kereta ke bengkel panel?
Untuk buat claim insurans
Untuk dapatkan servis yang berkualiti
Untuk dapatkan warranty 6 bulan
Proses dapatkan bantuan khidmat tunda untuk dihantar ke bengkel panel
Senarai panel workshop insurans kereta di Malaysia
Allianz
RHB
Pacific & Orient
Liberty
Lonpac
MSIG
Tokio Marine
Great Eastern
Chubb
Takaful Malaysia
Takaful Ikhlas
Zurich Takaful
Etiqa Takaful
Dapatkan insurans kereta di Bjak

Apakah maksud panel workshop (bengkel panel)?

Sekiranya kereta anda terlibat dalam kemalangan, pihak insurans lazimnya akan mewajibkan anda untuk menghantar kereta tersebut ke bengkel panel dan bukan sebarang bengkel.

Bengkel panel

ialah bengkel membaiki kenderaan yang diberi kuasa oleh insurans untuk membaiki kenderaan yang diinsuranskan oleh insurans tersebut. Sebagai contoh, anda membeli
insurans kereta 1st party
 daripada Allianz. Sekiranya kereta anda kemalangan berpunca daripada anda atau pemandu lain, anda mesti menghantar kereta anda ke bengkel panel Allianz.

Untuk pengetahuan anda,
bengkel panel insurans mesti mendapat kelulusan daripada Persatuan Insurans Am Malaysi
a (PIAM). PIAM meluluskan bengkel panel

insurans melalui “PIAM Approved Repairers Scheme (PARS).” Setakat Oktober 2021, PIAM telah meluluskan sebanyak 675 bengkel

PARS yang beroperasi di seluruh negara. Anda boleh semak senarai bengkel panel nsurans mengikut negeri melalui laman web PIAM (Baca artikel kami sampai habis untuk dapatkan senarai panel
workshop
insurans terbaik di Malaysia).

Kenapa perlu hantar kereta ke bengkel panel?

Dalam banyak-banyak
workshop
, kenapa kena hantar kereta ke bengkel panel juga? Ini sebab-sebabnya:

Untuk buat
claim
 insurans

Sekiranya kereta anda kemalangan yang berpunca daripada pihak anda (“Own Damage”), anda mesti menghantar kereta anda untuk dibaiki di bengkel panel untuk membuat tuntutan insurans. Jadi, pihak insurans yang akan membayar segala kos pembaikan atau pampasan kereta anda, mengikut polisi insurans anda.

Apa jadi kalau hantar kereta ke bengkel bukan panel? Besar kemungkinan, anda tidak dapat
claim
kos pembaikan atau bayaran pampasan untuk kereta anda. Jadi
check
dengan insurans anda dulu. Jangan hantar kereta anda ke sebarang bengkel
okay
.

Untuk dapatkan servis yang berkualiti

Seperti yang disebutkan, panel
workshop
insurans telah pun mendapat kelulusan daripada PIAM. Menurut PIAM, objektif utama skim “PIAM Approved Repairers Scheme (PARS)” ialah untuk meningkatkan standard perkhidmatan, kualiti serta profesionalisme bengkel-bengkel yang membaiki kenderaan-kenderaan akibat kemalangan.

Bukan senang untuk
workshop
dapatkan kelulusan PIAM.
Workshop
berkenaan perlu memenuhi kriteria yang ditetapkan oleh PIAM dan lulus pemeriksaan tertentu setiap tahun.

Jadi kalau kereta anda dibaiki di bengkel panel, anda akan rasa lebih yakin dan tenang kerana bengkel tersebut telah mendapat kelulusan PIAM. Kalau servis kurang memuaskan, anda ada
warranty
, iaitu manfaat seterusnya.

Untuk dapatkan
warranty
6 bulan

Ini sebab yang paling penting! Kalau kereta anda dibaiki di panel
workshop
, anda akan dapat
warranty
selama 6 bulan. Jadi kalau kereta anda ada apa-apa masalah setelah dibaiki, tak perlu risau. Pergi semula ke bengkel tersebut untuk periksa kereta anda dan
repair
atau ganti bahagian yang berkenaan. Dah nama pun
warranty
, anda tak perlu keluarkan apa-apa wang. Ini memang hak anda, yang dilindungi oleh PIAM dan juga insurans anda.

Proses dapatkan bantuan khidmat tunda untuk dihantar ke bengkel panel

Jika anda terlibat dalam kemalangan dan memerlukan bantuan khidmat tunda untuk menghantar kereta ke bengkel panel, anda hanya perlu menelefon talian
hotline
 syarikat insurans anda sahaja dan meminta bantuan yang diperlukan.

Prosesnya adalah mudah seperti di bawah:

Senarai panel workshop insurans kereta di Malaysia

Untuk memudahkan anda, kami kongsikan di sini senarai panel
workshop
insurans terbaik di Malaysia. Kami nasihatkan anda untuk simpan artikel ni sebagai rujukan anda nanti.

Allianz

Senarai panel workshop Allianz di seluruh Malaysia

RHB

Senarai panel workshop RHB Insurance di seluruh Malaysia

Pacific & Orient

Senarai panel workshop Pacific & Orient di seluruh Malaysia

Liberty

Senarai panel workshop Liberty di seluruh Malaysia

Lonpac

Senarai panel workshop Lonpac di seluruh Malaysia

MSIG

Senarai panel workshop MSIG di seluruh Malaysia

Tokio Marine

Senarai panel workshop Tokio Marine di seluruh Malaysia

Great Eastern

Senarai panel workshop Great Eastern di seluruh Malaysia

Chubb

Senarai panel workshop Chubb di seluruh Malaysia

Takaful Malaysia

Senarai panel workshop Takaful Malaysia di seluruh Malaysia

Takaful Ikhlas

Senarai panel workshop Takaful Ikhlas di seluruh Malaysia

Zurich Takaful

Senarai panel workshop Zurich Takaful di seluruh Malaysia

Etiqa Takaful

Senarai panel workshop Etiqa Takaful di seluruh Malaysia

Dapatkan insurans kereta di Bjak

Diharapkan perkongsian kami kali ini dapat membantu anda untuk mencari bengkel panel berdekatan anda. Ingat, sebelum hantar kereta anda untuk dibaiki di mana-mana bengkel akibat kemalangan, pastikan bengkel

yang dipilih merupakan bengkel panel

kepada insurans anda. Jangan lupa
check
tarikh tamat insurans kereta. Kalau insurans dah
expired
, memang tak boleh buat
claim
la alamatnya.

Anda boleh renew insurans kereta di Bjak iaitu antara laman perbandingan insurans terbesar di Malaysia. Dapatkan sehingga 15 sebut harga insurans untuk membuat perbandingan sebelum membeli mana-mana insurans. Tak perlu lengah lagi, layari Bjak hari ini.

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

Renew Insurans

Baca juga:

Fahami Jenis-jenis Polisi Insurans Kereta
Insurans Kereta: Panduan Lengkap Untuk Pemilik Kenderaan
Nak Claim Insurans? Ketahui Dulu Jenis-Jenis Tuntutan Insurans & Caranya


Why Is Your Car Overheating?

Have you ever experienced a sudden rise in car temperature meter while driving? If it were to happen to you, please remain calm. There are several reasons your car temperature meter can go up dramatically. We shall look into some of the causes of car overheating and how to overcome them in this article.

Contents =

Car cooling system
Symptoms of car overheating
Causes of car overheating
Faulty radiator fan
Leaking rubber hose
Broken car thermostat
Leaking head gasket
Clogged car radiator
Do these if your car overheats
Stop your car
Turn off the engine
Open the radiator cap
Check the water level
Visit a nearby workshop
Maintain your car to avoid car overheating

Car cooling system

A car cooling system plays a critical role in ensuring an optimal car temperature and avoiding overheating. If your car temperature meter gets too high or the engine is smoky, it may indicate a problem with your car cooling system.

Symptoms of car overheating

The following are some of the symptoms of car overheating:

White smoke forming at the front bonnet of the car
The engine temperature needle on your dashboard rising in the ‘H’ direction or entering the red zone. For certain cars, you may notice the engine temperature warning light up if the engine temperature is high
Charred smell coming from the engine

Causes of car overheating

Typically, car overheating occurs due to any engine or cooling system component problems.

Bjak shall explain the causes of rising car temperature in our following points.

Faulty radiator fan

A radiator fan in a car engine controls the engine temperature. Therefore, a faulty radiator fan can overheat your car.

Damage to the radiator fan can usually occur due to:

Problems with the wiring system of the radiator fan motor circuit
Damaged relay
Damage to the switch or car temperature sensor
Damage to the fan motor where the carbon brush on the fan motor is worn out
Blown, loose or broken fuse

Leaking rubber hose

A rubber hose is a crucial component of a car engine cooling system. As the rubber hose is placed near the car engine, it is highly exposed to the engine heat.

Given that the rubber hose is exposed to the engine heat, this can cause the hose to leak and, in turn, drive your car temperature to rise sharply.

Broken car thermostat

Car overheating is also usually caused by a damaged car thermostat.

Therefore, if your car thermostat is faulty, it can cause the car temperature to rise.

How do you know whether the thermostat is faulty?

You can tell by the valve opening; consider it faulty if the valve opening is either too small or not opening.

Leaking head gasket

A leak in the car head gasket can cause gas from the cylinder to enter the coolant duct continuously when the engine is running. It indirectly causes the pressure in the coolant duct to increase.

The high pressure in the coolant duct will push the coolant water into the reservoir until it is full before it is drained out. This decreases the amount of coolant water in the coolant duct, which, in turn, causes the car to overheat.

Clogged car radiator

Rust deposits in the radiator duct cause the coolant water cycle in the radiator to be interrupted or clogged. The rust deposits in the radiator duct potentially reduce the efficiency and performance of the radiator.

A clogged car radiator can affect the coolant water cycle in the car cooling system and cause the car temperature to rise.

Do these if your car overheats

Stop your car

If your car temperature rises while driving, please stay calm. Stop your car at the roadside immediately.

Turn off the engine

After parking your car, immediately turn off your engine before opening the front bonnet to identify the cause. Failure to turn off the engine will further damage your engine.

Open the radiator cap

Let your car engine cool before opening the radiator cap. If you open it while the engine is still hot, hot steam may come out and cause you burns.

Check the water level

After opening the radiator cap, check the water level in the radiator. In this situation, your water tank will likely be dry. If it is dry, pour coolant into the radiator when the car engine is cold. Once the radiator is full, restart your engine.

Visit a nearby workshop

After restarting your engine, we advise you to visit any workshop for inspection immediately. Remember not to drive too fast, and please regularly check your car temperature meter.

Maintain your car to avoid car overheating

We hope our sharing can help you identify the causes of car overheating and overcome the situation if it occurs to you.

Additionally, ensure that your vehicle is always in good condition for safer driving.

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

Get Free Quote


Rear-End Collision? Follow These Steps to Claim Insurance

Road accidents can happen anytime, anywhere. Despite practising safe driving, you could still run into any untoward incident on the road.

For example, you could, unfortunately, get hit by a car from behind. It frequently happens, moreover, during heavy traffic congestion.

It is normal for both parties to panic in such an accident. They may panic especially if they find the steps and procedures to deal with the situation confusing.

But do not worry as Bjak will share the steps that you need to take in the event of rear-end collision.

Contents =

Rear-end collision? Follow these steps to claim insurance
Turn on hazard lights
Check your surrounding
Jot down the details of the other vehicle
Take their phone number
Ask for the guilty party’s cooperation to lodge a police report
You have to make a police report too
Look for an insurance panel workshop
From whom should you claim insurance in the event of rear-end collision?
Will your NCD rate be affected if you make a third party insurance claim?
Settle an insurance claim in an amicable manner

Rear-end collision? Follow these steps to claim insurance

Image credit:
Ben Crump

Some regard rear-end collision as a minor incident that could be settled quickly.

However, it may not be as simple. The concerned parties may suffer losses such as
over-compensation (the party at fault)
 or
under-compensation for the repair cost (the party whose car is hit)
.

To protect your right, let us explain the steps in dealing with such a situation.

Turn on hazard lights

Image credit:
Your Mechanic

First, turn on your hazard lights (especially if the incident occurs at night) to warn other road users that something has happened to your vehicle.

Check your surrounding

Look at your surrounding. If the accident happens on a highway, immediately move your car to an
emergency lane
 to avoid inconvenience to other road users.

Please do the same if the accident happens in a traffic jam. Please use your turn signal before moving your car to the roadside.

Avoid staying on the main road to avoid traffic congestion and for safety purposes.

Jot down the details of the other vehicle

Take note of their plate number and roadtax to enable insurance claims later.

Immediately write down the vehicle registration number and roadtax of the car to make an insurance claim against the party at fault. If you can, get their permission to snap a photo of their MyKad.

Besides, take photos of your car and the other car to ensure a smooth procedure to claim insurance.

Take their phone number

Take their phone number to make it easier for you to contact them later.

Ask for the guilty party’s cooperation to lodge a police report

Image credit:
Kraft & Associates

Discuss with the involved party nicely. Do not get violent, and please try to settle it reasonably. Ask for their cooperation to lodge a police report.

You have to make a police report too

You should also lodge a police report immediately within 24 hours after the accident (even if the guilty party has provided compensation in money form).

There may be cases where the innocent party is suddenly contacted by the police and charged as guilty. Meanwhile, the actual guilty party claims that they have been hit and run.

Therefore, lodge a police report so the policy can certify that you are not the party at fault.

Look for an insurance panel workshop

Send your car to a
panel workshop
 immediately for damage repair.

You may also seek their help to manage your insurance claim against the third party (
third party insurance claim
) to repair your car.

From whom should you claim insurance in the event of rear-end collision?

You are eligible to claim insurance from the guilty party if your car gets hit from behind, using a
third party claim
.

You do not have to claim insurance under your policy
if it is proven that you are not the guilty party.

Ensure that you explain the entire incident to the insurer so you can make an insurance claim against the guilty party smoothly.

Will your NCD rate be affected if you make a third party insurance claim?

No. Your
No Claim Discount (NCD) rate will not be affected
 after you make a third party insurance claim as you are not the party at fault.

For your information, you will lose your NCD only if you are proven guilty of an accident and a claim is made against your insurance. Additionally, you will also lose your NCD if you make an
Own Damage claim
 when you run into an accident caused by you.

Note that you can only make an Own Damage claim
if you purchase
comprehensive insurance
.

Settle an insurance claim in an amicable manner

Rear-end collision can happen regardless of place and time. If this happens to you, please remain calm while dealing with the other involved party. Make sure you follow the steps shared above, so you do not miss out on the important details.

Additionally, please discuss the matter with the guilty party in an amicable manner. We would also like to remind you to lodge a police report to avoid any accusation from any party.

Other than that, make sure that your insurance and roadtax are still active to avoid any problems in your claims process.

If your insurance and roadtax are expiring, renew them immediately.

Visit Bjak to
renew your insurance
 and
roadtax
 for your convenience. Start by getting
free car insurance quotes
 in just 3 minutes and compare 15 insurance brands to get the best insurance policy.


Vehicle Total Loss: Things That You Must Know

Ever wondered what happens when a vehicle gets completely wrecked in an accident? Can you make an insurance claim for it? And how much compensation can you expect?

Well, don’t worry! This article will walk you through all the essential details about claiming insurance for total loss vehicles. Get ready to uncover everything you need to know!

Contents =

What is a total loss vehicle?
When will your vehicle be considered a total loss?
How much compensation will you get?
Who is eligible to make a claim?
What will happen to the total loss vehicle?

What is a total loss vehicle?

There are two situations that can determine it:

The vehicle gets stolen.
The vehicle is involved in an accident and gets damaged to the point where it can’t be fixed or used anymore.

Most vehicle owners usually get concerned about the second situation mentioned above.

When will your vehicle be considered a total loss?

It’s important to grasp that a vehicle becomes a total loss when the repair expenses surpass the vehicle’s current worth. When an insurance company certifies a car as a total loss, it means the vehicle is considered “Beyond Economic Repair”.

This basically means the car is either unsafe, cannot be fixed, or the cost to repair or replace it is more than its actual value.

How much compensation will you get?

Simply put, the insurance company determines how much money you’ll receive based on the coverage amount for your vehicle. Remember, when you renew your vehicle insurance, you choose either the market value or agreed value for your coverage. If you chose market value, your compensation will match the current market value of your car during a total loss or accident.

On the other hand, if you have agreed value coverage, you’ll receive the exact amount specified in your policy. For example, if your agreed value is RM30,000, your compensation will also be RM30,000.

Who is eligible to make a claim?

If you have comprehensive insurance, you can make a claim with your insurance company when your vehicle gets completely wrecked in an accident.

If you have a third-party, fire or theft policy, or just a basic third-party policy, sorry to break it to you, but you can’t make that kind of claim.

What will happen to the total loss vehicle?

If the insurance company says your car is completely wrecked and you agree with them, you have two options:

Keep the car for yourself.
Give the car back to the insurance company.

If you decide to keep the car, the insurance company will pay you less money than they should.

We hope this article has provided you with enough information to prepare yourself to face unexpected situations. Always be safe on the road and secure yourself and your vehicle with the right auto insurance!

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

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

Get Free Quote

Read more:

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


Nak Insurans Nyawa dan Perubatan terbaik? Ini 5 Perkara Anda Perlu Tahu

Kesedaran untuk memiliki insurans dalam kalangan rakyat Malaysia nampaknya sudah meningkat meskipun masih berada dalam tahap yang rendah berbanding negara lain. Perlindungan insurans kini dianggap sebagai suatu keperluan bagi setiap individu lebih-lebih dalam kehidupan yang serba mencabar pada hari ini.

Anda tidak akan tahu apa yang akan menanti diri anda pada masa akan datang. Jika anda sihat pada hari ini, tidak semestinya kondisi atau tahap kesihatan anda akan berada dalam keadaan yang sama beberapa tahun akan datang. Malah tidak mustahil, fizikal dan kehidupan anda boleh berubah dalam sekelip mata sekiranya berlaku kecelakaan seperti kemalangan ke atas diri atau keluarga anda. Justeru, pada ketika inilah perlindungan insurans nyawa dan perubatan akan memainkan peranannya.

Namun, untuk memiliki atau membeli insurans, anda tidak bolehlah mengambilnya secara somberono dan sambil lewa. Jika ingin memastikan anda mempunyai perlindungan insurans terbaik, sila pastikan anda mengikuti beberapa panduan yang disediakan ini.

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1. Kenal pasti keperluan jumlah perlindungan
2. Fahami ciri-ciri pelan
3. Tahu bajet anda
4. Nak beli kad perubatan? Dapatkan kad perubatan yang tidak terhad kepada hospital tertentu
5. Tiada pembahagian pembayaran antara anda dan syarikat insurans

1. Kenal pasti keperluan jumlah perlindungan

Setiap individu mempunyai keperluan jumlah perlindungan yang berbeza. Sebelum membeli insurans, pastikan anda tahu berapakah jumlah perlindungan yang anda perlukan.

Namun, anda sangat disarankan untuk mendapatkan jumlah perlindungan sebanyak 10 kali ganda daripada pendapatan tahunan anda. Matematiknya mudah, sekiranya pendapatan tahunan anda adalah sebanyak RM60,000, maka jumlah perlindungan yang anda perlukan anda sepatutnya RM600,000.

Dengan cara ini, sekiranya sesuatu berlaku kepada anda, wang pampasan yang bakal diterima akan membantu menyelamatkan anda untuk ‘pulih’ dalam tempoh masa yang agak panjang.

2. Fahami ciri-ciri pelan

Sangat penting untuk anda memahami dan meniliti setiap ciri-ciri pelan yang ditawarkan. Walaupun kebanyakan pelan insurans memiliki asas yang sama, namun setiap penyedia insurans mungkin mempunyai keistimewaan atau perbezaan dalam pelan mereka.

Jadi, berbincanglah elok-elok dengan ejen anda. Tanya apa sahaja soalan yang anda ingin tahu dan pastikan setiap ciri dalam pelan yang dipilih anda difahami sepenuhnya.

3. Tahu bajet anda

Elakkan daripada membeli insurans lebih daripada keperluan dan kemampuan anda.  Tanya diri anda, berapakah jumlah yang anda sanggup/ boleh bayar setiap bulan untuk perlindungan insurans?

Kenalpasti jumlah tersebut, dan dapatkanlah perlindungan insurans yang bersesuaian dengan bajet anda itu. Kadar peratusan yang disarankan untuk perlindungan insurans pada kebiasaannya adalah sekitar 10% daripada pendapatan bulanan anda.

4. Nak beli kad perubatan? Dapatkan kad perubatan yang tidak terhad kepada hospital tertentu

Seperti yang anda mungkin sedia maklum, sesetengah penyakit memerlukan pesakit untuk mendapatkan prosedur/rawatan di hospital tertentu kerana mempunyai peralatan yang lebih lengkap dan canggih.

Jadi, di sinilah pentingnya untuk anda memiliki kad perubatan yang boleh menanggung anda untuk mendapatkan rawatan di mana-mana hospital sekalipun. Malah sebaiknya, kad perubatan tersebut perlulah juga memberi perlindungan bagi kedua-dua kos rawatan hospital dan ubat-ubatan. Ini kerana terdapat sesetengah polisi yang hanya akan menanggung kos ubat-ubatan sahaja dan tidak kepada kos prosedur rawatan.

5. Tiada pembahagian pembayaran antara anda dan syarikat insurans

Memiliki perlindungan insurans terutamanya kad perubatan pastinya akan mengurangkan beban kewangan anda jika anda menghidap penyakit suatu hari nanti. Namun, anda tidak akan lega sepenuhnya sekiranya kad perubatan anda memerlukan anda untuk membayar sebahagian daripada kos rawatan.

Kad perubatan yang terbaik adalah di mana anda tidak perlu membayar sebahagian daripada kos rawatan sekiranya anda memilih hospital anda sendiri. Jadi, teliti and baca betul-betul kontrak polisi insurans anda!


胎压不足对行驶汽车的影响

很多开车人士经常忽视他们的轮胎状况，比如让轮胎在胎压不足的情况下行驶。轮胎胎压不足会导致许多驾驶问题，比如爆胎或翻车，非常危险。

轮胎是最重要的汽车配件之一，因为这将影响驾驶人士和乘客的生命安全，建议开车人士最好每个月检查一次轮胎的气压。

Contents =

如何查看轮胎胎压不足？
胎压不足对行驶汽车的影响
耗油
排放更多废气
增加刹车时间
容易导致爆胎
影响汽车的稳定性
定期检查您的汽车轮胎

如何查看轮胎胎压不足？

除非轮胎几乎是瘪了，否则几乎不可能用肉眼看到轮胎胎压不足，也无法准确地估计轮胎内的空气量。

可是，当轮胎胎压不足时，您的车轮可能会出现以下的征兆：

方向盘振动：驾驶时您可能会感觉到方向盘有异常振动，这是因为轮胎充气不当而导致轮胎错位。
胎侧有裂缝：汽车轮胎一旦使用时间长，就会开始破裂。然而，如果胎压不足，轮胎会更快出现裂缝，因为扁平的轮胎与路面的摩擦力更大，从而使它们磨损得更快。
操控性差：胎压不足会导致胎侧变形，这将影响汽车的操控性，可能需要更长的时间刹车。

胎压不足对行驶汽车的影响

胎压不足会对汽车产生许多不良影响，其中包括：

耗油

您有没有试过在轮胎胎压不足的情况下骑自行车？驾驶胎压不足的汽车也是同样的情况。

胎压不足会导致您的汽车更耗油。

由于轮胎压力过低，导致轮胎变形，轮胎与地面的接触面积变大，从而促使轮胎和地面的摩擦力增加，滚动阻力也随着增加，因此您的汽车需要更多的能量才能行驶，最后导致车辆的油耗增加。

排放更多废气

由于胎压不足导致车辆更耗油，这也将导致汽车排出更多的废气。

增加刹车时间

踩刹车时，胎压不足需要更长的时间才能让汽车停止，此外，如果在潮湿的路面上行驶，汽车将更容易打滑而发生意外。

容易导致爆胎

胎压过低时，会导致轮胎侧面受到重力的挤压变形，轮胎最薄弱的侧面部位，直接突出来与地面接触，并产生很大的摩擦，继续行驶时，轮胎温度快速上升，导致轮胎性能急剧降低，轮胎变得软绵绵的，很容易发生爆胎意外。

影响汽车的稳定性

汽车有多个轮胎，出现胎压异常的情况，往往不是所有的轮胎都同时出现，而是其中一个出现。这样将造成汽车无法保持直线行驶，驾驶的时候需要经常控制方向盘费力调整方向，这时后也会感觉方向盘很沉，还会感觉车子有左右摇晃、非常飘，在平整的路面也会感觉颠簸。

定期检查您的汽车轮胎

汽车的轮胎犹如汽车的脚，汽车的动力再强也还是需要轮胎才能发挥它的性能。

此外，轮胎一旦疏于照顾，不仅耗油、操控表现欠佳，还可能发生爆胎、失控打滑等意外的发生，这与驾驶人士、车上乘客及其他道路使用者的性命攸关。因此，确保轮胎处于良好状态非常重要。

作为一名合格的车主
，定时将车子送往维修与保养是重要的功课，因为这样才能确保汽车的性能和零件都保持最佳状态。

另外，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
。

索取报价

延伸阅读：

汽车行驶中爆胎的自救方法
换轮胎的简单方法
您一定要知道的轮胎代码
保养轮胎的4个方法
您需要紧急道路支援吗？