Major Exclusions In Insurance Policy

Policyholders can avoid unexpected circumstances by purchasing an insurance policy. Unfortunately, some people overlook the exclusion clauses within insurance policies until it’s too late, but they are essential parts of the
insurance policy
. One example of exclusion is driving a car that is not roadworthy, being involved in an accident, or having excessive alcohol in your system. When you purchase an
insurance policy
, you should know all the
exclusions
 and your obligations as the insured.

What Is An Exclusion In Insurance?

In
insurance policies
,
exclusions
 are provisions that eliminate coverage for particular occurrences, properties, types of damage, or locations. The policy does not cover a plan that excludes any items or costs, and excluded fees are not included in the plan’s out-of-pocket maximum.
Life insurance
 contracts, for example, have specific clauses and provisions to meet before filing a valid claim.
Insurance providers
 are generally liable for paying claims if the insured dies. For the sake of avoiding adverse selection, insurance providers won’t provide benefits if an insured person commits suicide. Clauses of this nature must be clearly stated on the contract at the beginning of the policy period to inform the policyholder. An exclusion is also a waiting period during which they cannot claim insurance benefits.

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The Reasons For Exclusion

Exclusions in insurance policies serve numerous purposes, but they are commonly used to cover risks:

A Cataclysmic Event

Some risks are not insured because they are catastrophic. An example of this is war. If a bomb damages your
business
 property during a war, your commercial property insurance will not cover it. Most property policies exclude war damage.

Covered By Another Policy

Some risks are excluded because they are covered under another type of policy. For example, general liability policies exclude auto liability claims because they are covered under commercial auto policies. In the same way, liability and auto policies do not cover benefits the employer owes under a workers’ compensation law since workers’ compensation
insurance
 must protect them.

Maintenance Issues

Several risks are excluded, including wear and tear, because they are naturally occurring phenomena that can be controlled by the insured through routine maintenance. Both commercial property and auto physical damage policies exclude wear and tear damage. Regular maintenance can also prevent rust, corrosion, and insect infestations.

Against Public Policy

Crimes, violations of laws, and intentionally causing injuries are usually excluded from insurance policies because they violate public policy. In this situation, liability policies do not cover incidents involving the insured’s intentional, harmful actions such as shooting a gun or defrauding someone.

Exclusions And Buybacks

In many exclusions, some exceptions restore a limited amount of coverage. One example is the contractual liability exclusion found in the standard general liability policy, which exempts liability assumed under a contract. The policy provides an exception for liability carried under contractual obligations (a defined term).

As long as you’re willing to pay more, you can remove some exclusions from your policy. General liability policies, for example, do not cover accidents caused by an employee to another employee. In addition, many businesses purchase co-employment insurance to cover claims made by co-workers.

Tags:
Buybacks
Cataclysmic Event
Exclusions
Insurance Exclusions
Insurance Policy
Life Insurance
Major Exclusions
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Tips For Buying Travel Insurance No One Will Tell You

Travel insurance
 is no longer as ambiguous as it once was. Now, more people have discovered the vast benefits of getting this vital coverage when on the go. That being said, much about getting this type of coverage remains unknown to some. We’ll be shedding more light on the best-hidden tips for getting quality
travel coverage
 in the country today.

Have a peace of mind for your next holiday with travel insurance

The Best Tips For Getting Travel Coverage

Before delving into some of the little-known guidelines for getting top-notch
travel insurance
, we recommend that you familiarize yourself with the terrain first. It means learning the meaning of basic terms like coverage area, deductible, and premium and how these terminologies apply. With this, you’ll be able to use better the information we’ll be sharing now! Some great tips for getting good travel insurance are;

1. Prioritize Good Customer Service

Contrary to public belief, it isn’t only when things go wrong that you have to enlist the aid of customer support. This personnel is there for many reasons, not least to explain the meaning of convoluted
insurance terms
 to you. It’s always good to go with a travel insurer with excellent customer service as this indicates that they’re a trustworthy and reliable bunch.

2. Never Underestimate a Good Travel Insurance Policy

While many people know to get travel insurance now, they’re still not sold on why it’s worth it. What’s more, most insured parties tend to mistake value price. Because expensive coverage doesn’t mean it’ll appropriately cover all your needs. Go for insurers that offer you a service with a value worth the price. That way, you ensure that you get total value for your money and put yourself in safe hands.

3. Always Account For Customer Testimonials

The argument is that happy customers are consistently less likely to remember to leave a review than dissatisfied ones. And that may be true, up to a point. With this, do not easily disregard what previous customers of an insurer have to say about their services. It is because travel
insurance
 is no joke, and you’ll be relying on the
insurance
 company for many things – many of which you don’t even know yet! So, take the time to go through as many online reviews about the company as possible. We’re not asking you to believe it all completely. However, seeing too many positive or negative reviews may be all you need to point you in the right direction sometimes.

Takeaway

Travel insurance can be a true lifesaver when you’re on a trip. So, make sure that you engage the services of an insurer who shares your vision of keeping you safe while you’re in unfamiliar territory. If you’re searching for an insurer for your next trip, you can check here to see one of the best options in the country at the moment.

Tags:
Coverage
Insurance Policy
Travel Insurance
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Cara Untuk Pindahkan NCD Kepada “Insurer” Atau Kenderaan Baharu

Ada tak di antara anda semua yang ingin menukar syarikat insurans kerana ingin mencuba polisi dari syarikat lain yang lebih menarik? Atau mungkin anda ingin membeli kenderaan baharu dan mahu menggunakan polisi insuran dari kenderaan lama? Jika anda sedang memikirkan untuk dua perkara ini, jangan lupa pula untuk memindahkan ‘No Claim Discount’ (NCD) atau
Diskaun Tiada Tuntutan
 anda kepada syarikat insurans atau kenderaan baru anda. Kalau tidak, rugi nanti! Bagi anda yang masih belum tahu apa itu NCD,
NCD
 adalah diskaun yang diberikan kepada pemilik insurans sekiranya pemilik insurans tidak membuat apa-apa tuntutan dalam tempoh 12 bulan daripada tarikh pembelian polisi tersebut. Anda juga layak menerima NCD sekiranya tidak ada sebarang tuntutan yang dibuat terhadap anda daripada pihak ketiga. Untuk maklumat anda, anda boleh mendapat diskaun NCD sehingga 55% selepas 5 tahun. Banyak bukan? Kerana itu, anda perlu sentiasa berhati-hati dan memandu dengan cara yang berhemat agar tidak berlaku sebarang
kemalangan
 yang menyebabkan anda terpaksa membuat tuntutan kepada syarikat insurans. Sekiranya anda ingin
bertukar syarikat insurans
 dan juga kenderaan baharu, anda boleh
memindahkan NCD
 lama anda kepada pihak insurans dan juga kenderaan baharu itu. Ini kerana
NCD
 akan kekal kepada penama insurans tersebut. Jadi, kalau anda nak bertukar syarikat insurans atau kenderaan baharu pun, anda tidak perlu risau
NCD anda
 terbatal.

3 Keadaan NCD Tidak Boleh Dipindahkan

-Pindahkan kepada nama orang lain.

-Guna pihak ketiga untuk pindahkan NCD

-Tukar NCD daripada kenderaan peribadi kepada kenderaan komersial.

Perkara Yang Tidak Akan Mempengaruhi NCD

Mungkin ramai yang beranggapan, kalau berlaku sahaja
kemalangan
 atau pun tuntutan dibuat, anda tidak akan mendapat NCD. Sebenarnya ia bergantung kepada siapa yang menyebabkan kemalangan, cara tuntutan dan banyak lagi faktor. Berikut merupakan situasi yang tidak akan menjejaskan NCD.

Kos kerosakan ditanggung sendiri dan tidak memohon pampasan dari syarikat insurans.

Kos kerosakan ditanggung oleh pihak ketiga tanpa membuat
tuntutan kepada syarikat insurans anda
.

Untuk kes langgar lari, pemilik boleh memohon ‘No Fault Own Damage’ (NFOC) pada syarikat insurans anda. Ia tidak akan memberikan kesan kepada NCD anda.

Bergantung kepada keputusan pihak polis selepas kemalangan dilaporkan. Siapa yang bersalah dalam kemalangan tersebut?

Jika perlu menukar cermin hadapan, dan anda telah membeli
pelindungan tambahan
 untuk cermin hadapan, anda boleh membuat tuntutan insurans tanpa memberi kesan kepada NCD.

Jika memang terbukti anda yang bersalah, tentulah anda tidak akan mendapat diskaun NCD. Berbalik kepada topik asal, bagaimana caranya untuk
memindahkan NCD
?

Sediakan dokumen peribadi seperti salinan kad pengenalan dan juga maklumat bank. Jika tidak pasti dokumen apa yang diperlukan, hubungi sahaja ejen insurans anda. Jangan lupa untuk sediakan duit tambahan, mana tahu ada baki
premium insurans
 yang perlu anda bayar nanti.

Isi borang pemindahan NCD. Jika insurans anda itu
telah luput
, anda perlu nombor ‘cover note’ pelindungan insurans. Pastikan anda simpan salinan ‘cover note’ yang ada kadar NCD paling tinggi. Bila sudah selesai semuanya, bolehlah anda periksa kadar NCD anda itu dengan pihak insurans. Mudah bukan?

Jadi, selepas ini, anda tidak perlu risau untuk menukar syarikat insurans sekarang kepada syarikat insurans yang lain. Bolehlah anda mula membandingkan
polisi insurans
 yang ditawarkan di Malaysia di laman web Fincrew sekarang juga. Fincrew memberi peluang kepada anda untuk
membandingkan pelindungan kenderaan
 yang ditawarkan di Malaysia. Jadi apa tunggu lagi? Klik dan cari pelindungan terbaik hari ini!

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Tags:
Insurans Kereta
No Claim Discount (NCD)
Syarikat Insurans
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Criteria That Will Affect Car Insurance Policy Rates

Did you compare the cost of your car insurance to the friend’s policy and discovered that your rates are considerably higher? Motor insurance prices depend on multiple factors. Let’s take an in-depth look at the primary considerations that affect your
car insurance policy rates
!

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Driver Age

If you only acquired a driving license and you haven’t spent a lot of time behind the wheel, you are at a higher risk of getting into a
road accident
. That is why car insurance companies often increase the
car insurance policy rates
 for this driver group. Those younger than 25 will likely face a higher
policy cost
 than older drivers.

Driver Gender

The statistics related to road accidents in Malaysia doesn’t go in favor of males. The fatalities and vehicle accidents in this country involve men more often than women. It is why the agencies might increase your
car insurance policy
 rates if you are a male.

Driving History

If we say driving history, we are talking about your history of traffic offenses. The more time you spend behind the wheel without a single offense, the better the odds of lowering the
car insurance policy
 rates. But if you have multiple claims or caused accidents on your name, the odds are that the agency will be more cautious when determining the price.

Your Location

The Annual Transport Statistics published by the Ministry of Transport of Malaysia reveal information about the number of road accidents in various states. The reports show that the highest risk of an accident is in Wilayah Persekutuan, Johor, and Selangor. That is because of the busy highways and congested roads. On the other hand, Kelantan, Terengganu, and Perlis carry the lowest road accident risk. That is because these states aren’t as populated.

Car insurance
 agencies take these statistics into consideration, which is why your location affects your car insurance policy rates. If you live in a big city and plan on driving the busy highways frequently, the cost will increase. However, the price will go down if you are in a neighborhood where accident risk is lower.

Car Make and Model

New vehicles often have safety features you won’t find in old cars. If you have additional safety functions, that might lower the
car insurance
 policy rates. Another thing that could affect the car insurance cost is the make and model of your car. Once again, statistics play an essential role. According to the details published by the General
Insurance
 of Malaysia, Toyota Hilux and Proton Wira are two vehicles that the thieves most frequently steal in this country. In 2017, thieves stole 537 Hilux vehicles and 654 Wira units. Some other models that are popular among the thieves include Peugeot 508, BMW 7, Ford Courier, and Lexus RX350.

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Other Factors That Affect Car Insurance Policy Rates

Here are some other things that could affect your
policy price:

Add-ons –if you want some additional perks added to your policy, such as
legal liabilities
 of and to passengers, you might need to pay extra.

Driving experience – you might not be a young driver, but if you don’t have any experience, the rates could increase.

Mileage – the distance you usually cover with your vehicle might affect the price, too.

While comparing prices offered by different agencies is essential, make sure to choose a reputable
insurance company
. That way, you will be safe that they will honor their obligations and help you resolve any
claim
 in the shortest possible time frame.

Tags:
General Insurance of Malaysia
Insurance Policy
Ministry of Transport
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Cukai Jalan Kenderaan Yang Telah Luput Lebih 3 Tahun

Semua orang tahu bahawa pemilik kenderaan di Malaysia ini wajib
memperbaharui cukai jalan
 dan juga insurans kenderaan bagi setiap kenderaan milik mereka. Tetapi ada juga situasi di mana pemilik kenderaan gagal
memperbaharui cukai jalan
 dan juga insurans sehingga bertahun lamanya. Kalau dahulu,
cukai jalan
 yang luput melebihi tempoh setahun perlu membuat pelbagai pemeriksaan sebelum dibenarkan untuk membuat permohonan
cukai jalan
 yang baru. Kini, bermula 4 September 2020, kerajaan memberi peluang kepada rakyat untuk
memperbaharui cukai jalan
 mereka seperti biasa walaupun tarikh cukai jalan telah luput asalkan tidak melebihi tempoh 3 tahun.Macam mana pula kalau cukai jalan tersebut telah luput melebihi 3 tahun. Apa yang perlu anda lakukan?

1. Bawa Kenderaan Ke PUSPAKOM

Perkara pertama yang perlu anda lakukan adalah menghantar kenderaan anda ke
Pejabat PUSPAKOM terdekat
 bagi tujuan pemeriksaan. Anda boleh melayari laman web PUSPAKOM atau menghubungi terus pejabat mereka untuk menempah slot temujanji. Bayaran yang dikenakan untuk pemeriksaan ini adalah RM20. Tetapi anda boleh mengurangkan lagi bayaran ini dengan cara membuat pemeriksaan pada waktu Raya Aidilfitri dan juga Tahun Baru Cina. Sebelum ke Pejabat PUSPAKOM untuk pemeriksaan, pasti anda telah memperbaiki segala kerosakan yang ada pada kenderaan anda bagi melancarkan segala urusan pemeriksaan.

2. Dapatkan Permit Perjalanan Sementara

Memandu tanpa cukai jalan yang sah merupakan satu kesalahan jalan raya yang serius. Jadi, kalau cukai jalan kenderaan anda telah mati, bagaimana caranya untuk anda membawa kenderaan anda itu ke PUSPAKOM? Anda perlu memohon untuk mendapatkan permit perjalanan sementara (JPJ K12) dari pejabat Jabatan Pengangkutan Jalan (JPJ) yang terdekat. Permit ini ibarat cukai jalan sementara dan hanya boleh digunakan sekali sahaja. Selain daripada permit ini, anda juga perlu bersedia dengan geran original kenderaan, kad pengenalan dan juga lesen memandu untuk dibawa bersama ke PUSPAKOM.

3. Pemeriksaan Kenderaan

Selepas mendaftar dan membuat bayaran di PUSPAKOM, anda hanya perlu menunggu pegawai mereka untuk datang dan memeriksa kenderaan anda itu. Antara perkara yang akan mereka lakukan adalah membandingkan nombor chasis pada kenderaan sama atau pun tidak dengan yang ada pada geran. Kemudian mereka akan melakukan pemeriksaan terhadap kenderaan seperti cermin, lampu, lampu signal, brek dan sebagainya. Jika semuanya berfungsi dengan baik, mereka akan mengeluarkan laporan kelulusan pada hari yang sama. Laporan ini hanya sah dalam tempoh sebulan sahaja. Jadi, anda perlu segera memperbaharui cukai jalan dalam tempoh tersebut. Jika kenderaan anda gagal dalam pemeriksaan ini, anda perlu kembali untuk membuat pemeriksaan semula dalam tempoh 30 hari. Sebab itulah, kami menyarankan supaya anda memperbaiki sebarang kerosakan kenderaan sekiranya ada bagi memudahkan urusan.

4. Perbaharui Cukai Jalan Dan Insurans

Apabila selesai segala urusan di PUSPAKOM, bolehlah anda memperbaharui cukai jalan dan juga insurans dengan melakukannya sendiri atau dengan bantuan ejen. Tetapi di zaman serba maju ini, anda boleh melakukannya sendiri pada bila-bila masa di mana jua mengikut keselesaan anda. Jika anda melakukannya urusan ini sendiri, anda bukan sahaja boleh membuat pilihan insurans terbaik mengikut keperluan anda. Anda juga boleh menjimatkan lebih banyak duit tanpa penggunaan oleh tengah.

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Di dalam internet, terdapat pelbagai pilihan
pelan insurans
 dari
syarikat insurans yang berbeza
. Di Fincrew.my anda boleh membuat
perbandingan insurans kenderaan
 dengan lebih mudah dan pantas. Proses untuk memperbaharui cukai jalan dan juga insurans kenderaan boleh dilakukan dalam tempoh sepantas 3 minit sahaja! Jadi buat apa nak bersesak serta beratur panjang untuk mendapatkan cukai jalan dan juga insurans. Lakukannya di Fincrew hari ini juga!

Tags:
Cukai Jalan
Insurans Kenderaan
Insurans Kereta
JPJ
PUSPAKOM
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What Are Some Advantages Of Progressive Car Insurance?

You might have come across this term –
Progressive car insurance
. If you haven’t, you might find yourself asking, what is this
Progressive car insurance
? What are the benefits at all compared to other basic
insurance plans
 and coverage?

Hi and welcome to yet another episode of the Insurance360 Video Series. I’m Stella and I’m Fincrew brand ambassador. Together, we’ll be delving into only some of the numerous benefits that make Progressive car insurance a great idea for your automobile. Dealing with
car insurance
 isn’t easy, which is why you need all the help you can possibly get! We’re constantly uploading videos to help you make sense of auto insurance in the country! You don’t need to miss another video update from Insurance360 Video Series when you click the subscribe button and enable notifications! This is your sure guide to navigating the seas of auto insurance with ease! All good? Now let’s get to it. So, what is this Progressive car insurance and why is it good for you? Well, progressive car insurance has been around for a very long time, and the fact that it remains so relevant in today’s world is a testament to the fact that it’s reliable and highly dependable. But what exactly do you stand to gain from opting for
Progressive auto insurance
?

It Offers Ease Of Access And Use

For vehicle owners who aren’t too familiar with auto insurance and the internet,
Progressive auto insurance
 can be regarded as a veritable godsend. Through the online platform, you can readily access the online quote tool. Unlike other platforms, you are allowed to use any number of variables when you’re requesting a free quote! For instance, you could use your:

Price bracket or simply find a policy based on what you’re willing to pay,

Input data, or you could just use,

The level of your current coverage.

You Get Convenience And Speed

You won’t find many other places where you can receive a comprehensive
quote for your auto insurance
 policy within just 6 minutes of providing your details! What’s more, Progressive auto insurance helps you further fine-tune your search parameters to help you save money. For example, you will be promptly notified right on the spot if
Comprehensive coverage
 isn’t the best route to go with your policy due to age or any other factor.

Affordability Is Consistently Prioritized

Lastly and perhaps most importantly, there are only a precious few other platforms where affordability is so strongly prioritized for vehicle owners. Over the years, Progressive auto insurance has successfully garnered a reputation for always providing insurance quotes that are low priced and highly pocket-friendly. As you know, this is very important, because no matter how good the
auto insurance policy
 sounds, it does you no good if you can’t actually buy it.

So after watching this video, what do you now think about Progressive auto insurance? Would you get it? Let us know in the comments section below! If you think videos like this one are useful and help you make better decisions regarding purchasing insurance, be sure to Like this video, Subscribe and enable notifications to our channel, so you get more videos like this upon release. Catch you later!

Tags:
Auto Insurance
Car Insurance
Progressive Auto Insurance
Progressive Car Insurance
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Fallen Trees Damaged My Car

It was a windy evening in Bandar Puchong Jaya when a huge tree fell on several cars parked in front of a building. That scared the residents so much that many of them woke up to see what’s happening. One of the residents noticed that the tree fell on her vehicle and damaged it. She said that she is thankful no one was in the car at that moment. This is the most recent case, but it is not uncommon that trees fall on cars. Fortunately, it often occurs when vehicles are parked, which means drivers are not behind the wheel. That is the vital thing, but it doesn’t change the fact that the tree damaged your car. Do you have the right to
file a claim
 to the insurance company
 and receive compensation for the damages? That is what we are trying to clarify in this article.

Can I Claim For Damage If A Tree Falls On My Vehicle?

Yes, there are
insurance policies
 that allow you to
file a claim
 for damage in these situations. We will focus on two different policy types that exist:

Third-party

Comprehensive

Let’s get the bad news out of the way first. If you have a third-party
insurance policy
, there is no way for you to claim the damage from a
fallen trees
. The nature of these policies is that they don’t cover special perils, which means you need to look for an alternative. If you have a
comprehensive policy
, there are still other conditions to fulfill before filing a claim. Apart from a comprehensive
insurance deal
, it would help if you also had an add-on that covers special perils. That means the comprehensive policy doesn’t cover damages from
fallen trees
 by default. Your only option is to acquire a Special Perils add on. That will protect you in case of damages from rainstorms, windstorms, floods, landslides, earthquakes, hurricanes, typhoons, landslip, and subsidence. Tree damage usually falls in one of these categories, which is why you can file the claim based on this add-on.

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How Much It Costs to Acquire A Special Perils Add-On?

It depends on the insurance agency, but this additional premium should be around 0.5% of your
insured coverage
 sum. For example, if your
sum insured
 is placed at RM100,000, you will have to pay RM500 yearly for this add-on. That is not a huge expense, which is why you should consider it. That is particularly true if you live in areas where strong wind is a common occurrence or park in a neighborhood filled with trees.

Do I Have Any Alternative For Damage Compensation?

If a tree fell on your car, you can try an alternative way of filing a damage claim. The experts suggest asking the local authorities to compensate you for the damage. The idea is that the authorities didn’t do an excellent job of maintaining the trees and pruning branches, which is what caused the fall. However, please note that you might need to pay for the damage first, and consider asking for compensation. Try to establish from which property the tree fell on your vehicle. In some cases, that will be
private property
. That will give you an option to
file a claim
 against the property owner.

Tags:
Comprehensive Coverage
Coverage
Insurance Claims
Third-Party Coverage
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Everything You Need To Know About Bankruptcy In Malaysia

Studies indicate that every day, at least 60 Malaysians between the ages of 35 and 44 file for bankruptcy. Despite this, not much is known about this phenomenon in the country. Here, we’ll be detailing everything from what bankruptcy is to how it affects your credit report.

What Is Bankruptcy In Malaysia?

A
debtor
 is declared legally unable to pay back what they owe. It is also done with the court order, commonly referred to as the Adjudication Order, obtained after due process from the High Court.

Requirements a Person Must Meet Before They Can Be Declared Bankrupt

Some criteria that need to be met are;

The individual must be unable to pay back a sum of RM30,000.

The sum owed must be ascertainable. It means that the credit must be a liquidated sum.

The debt must have defaulted for at least six months first.

The
debtor
 must have resided in Malaysia for at least 12 months.

For many, the question is, once a person has finally been declared bankrupt, how long will this fact remain in their credit report? We’ll be delving into that now!

How Long Will, a Bankruptcy Record, Remain Visible On a Debtor’s Credit Report?

This record will remain visible on all
credit reports
 obtained until two years after full payment must’ve lapsed. In addition to this, it takes CTOS up to 14 working days to update the new information in their database.

Documents Needed To Effect The Update

This update won’t happen as you will need to present a few documents first to show that you are, in fact, no longer bankrupt. Some of the items you’ll be required to tender to that end include;

A letter of settlement for legal matters or cases.

A release letter from MDI effectively frees you from the
bankruptcy
 claim.

What Happens To a Bankrupt In Malaysia

Anyone who has filed for
bankruptcy
 and had the claim approved is referred to as a bankrupt. Some things that may happen to such individuals include but aren’t restricted to:

Assign to the Director-General of
Insolvency
 or DGI.

Have a travel ban imposed on them.

Have restrictions imposed on their credit line.

Have to forfeit their assets.

Have employment restrictions placed on them due to the policies of several professional organizations and licensing bodies.

How To Deal With Bankruptcy

While becoming bankrupt is a grave situation, it’s not a death sentence. You can slowly find your way back by taking advantage of resources like the Credit and Debt Management Agency (AKPK). It’ll take a lot of discipline and hard work, but there’s no doubt that it’s certainly doable if you put your mind to it.

Tags:
Adjudication Order
AKPK
Bankruptcy
Credit and Debt Management Agency
CTOS
DGI
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汽车保险的种类 ？

欢迎收看保险360, 我是 Cassandra。汽车保险是什么？到底有多少种汽车保险呢？为什么车主必须购买车险呢？相信通过前几个视频，大家都知道要在马来西亚开车，除了需要有效的驾照和道路税之外，就是需要
汽车保险
！汽车保险是必须先购买才能缴付道路税的。所以，为汽车投保是一件强制性的事情。除此之外，从长远来看， 购买车险最大好处就是让你在发生事故后，你可以无后顾之忧， 无需为事故而造成过大的损失，因为保险公司会依据不同的情况而进行理赔。

在知道汽车保险的好处后，就是选择适合的保险配套。在马来西亚，主要有三大种类。其中就包括了：3号保险 （3rd party Car Insurance）、2 号保险（Third Party, Theft and Fire Car Insurance) 和 综合型保险（comprehensive car Insurance）。那现在我们简单地解释这三种类型的汽车保险。首先，3号保险就是我们所说的 3rd party Car Insurance。3rd party 顾名思义就第三方。此车险仅限于第三方本身和其汽车。车主本身无法索取理赔。这个车险也是在这三个保险当中最便宜的，因为发生事故后，只会为第三方和其汽车所造成损失进行理赔。第二种就是2 号保险，也就是我们Third Party, Theft and Fire Car Insurance。除了像3号保险的覆盖范围之外，这个保险添加一些因盗窃或火灾因素而造成的损失而进行理赔。但是此保险并不包括因车祸发生后，对车主本身或汽车进行理赔。

最后一个也就是综合型保险又或是1号保险，就是大家熟知的 comprehensive
car Insurance
。这个保险是为了得到更完善的保障。这个保险的覆盖范围就是综合了2号和3号保险，再加上车主的汽车。一般上，综合性保险都会比较贵，原因是因为此保险的理赔覆盖范围比其他保险的覆盖范围还来的更广一些。希望通过今天的视频，你已经明白基本的车险种类，也可以好好考虑哪一个种类的车险更适合你！

如果你喜欢我们的保险360系列，记得按赞与分享！记得订阅我们的频道还有开启小铃铛，这样你就不会错过新影片的通知。我们下次见！

Tags:
Comprehensive Coverage
Fire and Theft Cover
Third Party Insurance
汽车保险
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Adakah Insurans Kereta Menanggung Kerosakan Tayar

Kita semua tentu sudah tahu apa yang boleh diharapkan pelbagai polisi
insurans kereta
 sekiranya kita terlibat dalam kemalangan atau kenderaan tersebut dicuri atau rosak. Tapi, bagaimana pula dengan perkara-perkara kecil? Bolehkah
insurans kereta
 merangkumi kos perbelanjaan seperti tayar yang rosak? Ketahui tentangnya dan banyak lagi dalam episod hari ini dari siri Video Insurans360!

Selamat datang! Saya duta jenama Fincrew (nama). Setiap Ringgit dikira! Ketahui jika anda dilindungi bagi kerosakan tayar serta kos kecil lain akan benar-benar membantu mengurangkan apa yang perlu anda bayar dari poket sendiri. Siri Insurans360 memberi penerangan tentang aspek-aspek yang kurang diketahui dalam dunia insurans kereta. Belajar tip dan nasihat berguna bila anda ‘Subscribe’ saluran kami dan aktifkan notifikasi untuk menerima video terbaru dari kami. Jika anda sudah melakukannya, mari kita lihat isi dari video hari ini.

Polisi Insurans Kereta Menanggung Kerosakan Tayar?

Sama ada anda dilindungi kerana kerosakan tayar atau tidak, ia bergantung pada beberapa faktor. Sebagai permulaan, hanya polisi Pihak Ketiga, Kebakaran dan Kecurian serta polisi insurans kereta komprehesif akan menerima faedah seperti ini.
Polisi insurans
 paling asas iaitu polisi Pihak Ketiga tidak merangkumi apa-apa jenis pembaikan pada kereta anda. Selain itu, walaupun dengan polisi Pihak Ketiga, Kebakaran dan Kecurian serta polisi kenderaan Komprehensif, anda masih perlu meneliti secara terperinci mengenai spesifikasi polisi pelindungan anda bagi melihat dengan tepat apa pelindungan anda, di mana isu seperti kerosakan tayar kenderaan anda itu akan diambil kira.

Sebagai contoh, jika lokasi geografi anda mempunyai banyak lubang dan keadaan jalan yang teruk dipertimbangkan semasa anda mengambil polisi, pelindungan seperti
insurans Komprehensif
 akan membayar pampasan jika lubang jalan merosakkan tayar anda. Seperti yang kami telah terangkan, situasi di mana tayar rosak telah mempengaruhi sama ada insurans akan menanggung perbelanjaan tersebut atau pun tidak. Satu lagi contoh, tayar anda boleh rosak akibat kebakaran. Dalam keadaan seperti ini, polisi pelindungan Pihak Ketiga, Kebakaran dan Kecurian akan membayar untuk pembaikan tersebut, sekiranya anda memfailkan tuntutan. Sama juga jika tayar kereta anda di toreh atau dicuri, anda akan dibayar balik oleh syarikat insurans bagi membaiki atau menggantikan barang-barang ini jika anda menggunakan
polisi insurans kereta Pihak Ketiga
, Kebakaran dan Kecurian atau polisi Komprehensif.

Ini disebabkan kedua-dua polisi ini membuat peruntukan untuk melindungi kerosakan untuk situasi yang tidak melibatkan perlanggaran. Oleh itu, dengan syarat tayar anda rosak disebabkan situasi yang dijelaskan tadi,
Polisi insurans kereta Pihak Ketiga
, Kebakaran dan Kecurian dan juga polisi Komprehensif akan memastikan anda tidak perlu mengeluarkan duit anda untuk membaiki kerosakan tersebut. Tapi, jika kerosakan tersebut berlaku disebabkan masalah haus, anda perlu mengambil tanggungjawab kewangan untuk menggantikannya sendiri tanpa mengira polisi mana yang anda ambil. Prinsip yang sama juga diguna pakai apabila tayar kereta anda rosak disebabkan melanggar objek tajam. Ingat bahawa beberapa syarikat
insurans
 mungkin menawarkan pakej-pakej tambahan yang boleh anda ambil yang akan memberikan pelindungan kepada anda untuk situasi seperti ini.

Tags:
Insurans Auto
Insurans Kenderaan
Insurans Kenderaan Pihak Ketiga
Insurans Kereta
Polisi Insurans
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Cash Loss In Car Insurance Claims

The world of motor insurance offers many different options. For starters, you can choose from various types of car insurance deals, including multiple add-ons. If you happen to participate in an accident, numerous outcomes are a possibility. You might have encountered
cash loss
 as an option for your settlement with the
insurance company
. It’s the term you see for the first time, and you want to know what it means. Here is a detailed guide on what to know about the topic.

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What Is Cash Loss In Car Insurance Claims Means?

If we explain
cash loss
 settlements adequately, it’s vital to set the basics first. Now, let’s say that there has been an accident, and you
filed an insurance claim
. It’s time to settle with the
insurance company
, and they can offer you three settlement options. Those options include:

Paying the sum required to replace your vehicle

Replacing or reinstating your vehicle

Paying the sum that compensates for the damages or vehicle loss without repairing the car.

The last option describes a cash loss settlement. That is why the definition of a cash loss would be a settlement where the insurance company agrees to pay for the damage caused on a vehicle without the repair.

When Can You Get A Cash Loss Offer?

A cash loss settlement is frequent if your car has suffered a constructive total loss in the accident. A
total loss
 occurs when the required repair goes over 75% of the vehicle’s estimated market value [A1]. That means the sum necessary to compensate for the damage is over 75% of what you agreed to value the car in the signed
insurance policy
. Now, it’s worth noting that a cash loss offer might also consider situations where the vehicle is beyond repair. It might have crashed entirely in the accident, and the only option is to get a new car. Those are situations when the insurance company might choose to pay the sum insured in cash. They don’t require you to repair the vehicle for that money – instead, you can use it to purchase a new car yourself.

The idea of a cash loss settlement is to follow the principle of indemnity. That is a principle that ensures that you return to the financial situation before the accident occurred. Now, the
insurance company
 might replace the vehicle or its components with similar ones, and it also has the option to offer you a cash loss settlement. The sum should follow the indemnity principle and ensure that you are not damaged or rewarded. Instead, it should estimate the situation realistically and return you to the financial position you found yourself in before the accident occurred.

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How To File An Insurance Claim

The first thing to note is that you can only file any damage to your vehicle with your insurance company if you have your damage claim. It covers first-party damages, which means the damages on your vehicle. Here are the simple steps to follow:

Take photos of the accidents, write down the culprit’s license plates, look for witnesses and ask them to support your
claim
 if necessary.

File a police report if required.

Reach out to the insurance company as soon as possible. Ask about the documents required to
file your particular claim
.

Make sure the documents offer
comprehensive
 and accurate information.

Once you
file the claim
, wait for the insurance company to assess it and respond. From there, you can discuss the settlement specifics.

Tags:
Car Insurance
Cash Loss
Insurance Claims
Total Loss
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What Can I Do To Lower My Auto Insurance Premium?

Have you noticed that what you’re paying as a premium is a little on the high side? Ever wondered if there’s anything you could do about that? Well, worry no more! By the time you’re done watching this video, you’ll know virtually all you need to know to reduce or eliminate the cause of those high premiums!
 Auto insurance
 is the financial buffer you fall back on when the worst happens, and you have to pay for the cost of
repairs and other expenses
. So even without being mandated by law, getting
insurance
 for your vehicle is a pretty smart move. But how do you deal with that pesky high
insurance premium
 problem? Just follow our lead!

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A post shared by FinCrew (@fincrew.my)

Hi! I’m Stella, product ambassador of Fincrew, and today, I’ll be disclosing the secrets behind how to get the lowest premiums for the best coverage! In our Insurance360 Video Series, we always upload great videos like this. So, if you don’t want to miss out on the action, quickly hit that Subscribe button and enable the notifications right away! Now that you’ve got that out of the way let’s jump right in. So quick question–how do you successfully reduce the high cost of your premiums? Here are some practical practices and tips for you to follow!

Tip Number 1– Compare Rates

One of the surest ways to keep what you pay as a premium down is to have an outstanding driving record. Now, whether or not you have that perk, you can never go wrong by comparison-shopping
premium rates between insurers
. The great thing about premiums is that they aren’t set in stone. So prices can vary greatly from one
insurance company
 to another. You can use this to your advantage and simply pick the most pocket-friendly premium!

Tip Number 2–Make Your Deductibles Higher

Before you say it, we already know what you’re thinking; getting higher deductibles is counter-productive to your goal of reducing
insurance premium costs
. In reality, that is far from true! Let us explain. Basically, your deductible is what you have to pay before your
insurance coverage policy
 becomes active. Now, what many vehicle owners don’t know or generally overlook is that the higher your deductible, the lower your premium gets. In fact, a sufficiently high enough deductible could lead to as much as a 30 – 40% reduction in your
Third Party
 or Third Party, Fire and Theft coverage premiums! Great, right?

But there’s just one SMALL catch – To properly use this tactic, you need to make sure you’ve got enough funds set aside in the event, you have to
file a claim
.

Number 1: Consider Reducing Coverage on Older Cars

Again, we know; you mightn’t like the idea of reducing coverage on your vehicle. However, try to analyze the situation objectively; Keeping in mind that most insurers raise premium rates for older cars, and some even refuse to offer coverage outright, are you better off with your current policy? You might discover you are better served to opt for reduced coverage.

Number 2: Take Advantage of Discounts

With
auto insurance
, discounts and bonuses literally abound! It might take a little doing, but you could try looking for one you can leverage to reduce your premiums.

Fincrew.my provides some of the most competitive premium rates you’ll find on the market today. Follow the link below this video to see which ones you can take advantage of today! If you enjoyed this video, then don’t forget to Like it and Subscribe to our channel! See you in our next video!

Fincrew Official Youtube

Tags:
Fire and Theft Cover
Insurance Premiums
Third-Party Coverage
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Comprehending The Essentials Of Commercial Property Insurance

You may find it challenging to think about devastating events that can happen to your business, but sometimes it’s unavoidable. It is why you should invest in the right insurance coverage. For example, a commercial property insurance policy covers the structures of your business, the contents contained within them, and outdoor fixtures such as fences or signs. It can help you prevent accidents or tragedies such as fires,
thefts
, wind damage, or even the collapse of a building due to heavy snowfall.

What’s Commercial Property Insurance?

A
commercial property insurance
 policy covers your business’s physical assets in the event of a fire, explosion, burst pipe, storm, theft, or vandalism. However, most
commercial property insurance
 policies don’t cover earthquakes and floods unless those perils are added to the procedure.

Understanding Commercial Property Insurance

If your
business
 is dependent on equipment worth a billion or trillion dollars, not buying commercial property insurance can prove to be an expensive affair. Commercial property insurance plans’ protection for their clients is typically similar to property insurance. The value of a business’s assets, including its building, is the main factor that determines the amount of commercial property insurance an entity should purchase. Therefore, a company should take an inventory of the physical assets located on their property before meeting with an agent about coverage. It is essential to find out what to purchase. As natural disasters become more frequent, the weather conditions in the building are located also play an essential role in determining the premiums for commercial property insurance. Typically, insurance rates for commercial properties are higher when located near or inside geographic areas that
risk
 weather-related catastrophes.

How Much Does Commercial Property Insurance Cost?

The value of your building plays a significant role in how much commercial property insurance you will have to pay. However, other factors affect your premium, such as:

Location: Are storms or other natural disasters likely in this area?

Construction: Do you have a fireproof building? Are the electrical systems, plumbing, and HVAC systems new or upgraded?

Occupancy: What is your industry? Generally, realtor offices carry less risk than restaurants or repair shops.

Fire and theft
 protection: Are there nearby fire hydrants and fire stations? Have you installed a fire alarm and sprinkler system at your place of business? Have you installed a security system as well?

How To Choose An Insurance Provider

Businesses with successful
insurance providers
 can tailor a range of policy options to fit their needs, making obtaining the coverage they need easier. To find the best
insurance provider
, consider the following:

Level of service: An excellent
insurance provider
 is always available and responds quickly in an emergency. As soon as your provider sends a representative, it can help minimize the loss associated with your claim.

Financial
 stability: As a business owner, you must be confident in the ability of your provider to pay your claim and fund your rebuilding as quickly as possible.

Risk management:
 The risk management options you choose help you create a safety culture within your company. They may also be referred to as safety services or loss control programs. The right plan can provide you with access to an expert team that will work with your company, guide your team through risk scenarios, and assess your environmental and occupational health hazards. In this way, they can help you prevent problems from occurring in the first place, thus reducing losses.

Are getting your business back to work after a loss depends on having the right commercial property insurance coverage. Work closely with your insurer to identify the best solution for your business, your employees, and your provider so that you can avoid costly losses and business interruptions-or, ideally, recover from them.

Tags:
Commercial Property Insurance
Insurance Coverage
Property Insurance
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VTL And Travel Insurance Requirements

Getting away has been on your mind – the excitement of checking into the departure hall, the aroma when you step onto the plane, and the breathtaking view from the window.
Vaccinated Travel Lane
 (VTL) agreements allow Malaysians to travel two-way without fear of quarantine. So stir-crazy Malaysians are dusting off their passports and making up for the lost time. Vaccinated travellers can now travel to Malaysia with ease after more than a year of border closures. Here are the
VTL
 and
Travel Insurance requirements
 you should know.

Vaccinated Travel Lane (VTL) Countries

Many countries are now opening their borders to fully vaccinated travellers, thus expanding the list of
vaccinated travel lane
 (VTL) countries. The list of some of these countries is below. Enjoy quarantine-free travel to these
VTL
 countries (as of the 7th of December 2021):

Australia

Germany

Spain

Brunei

India

Sri Lanka

Cambodia

Indonesia

Sweden

Canada

Italy

Switzerland

Denmark

Malaysia

Thailand

Fiji

Maldives

Turkey

Finland

Netherlands

United Kingdom

France

South Korea

United States of America

In November 2021, ten countries opened their vaccinated travel lanes to the first holders of Vaccinated Travel Passes. Five more countries joined the VTL program shortly afterwards. If your intended destination does not appear in the above list, VTL is not applicable, and you will need to contact the country’s equivalent of the Ministry of Health for the approved providers of COVID-19 PCR tests.

Do I Need To Be Fully Vaccinated To Travel?

Passengers who are fully vaccinated won’t have to undergo quarantine or testing, including pre-departure and on-arrival testing, when they travel across the land border between Singapore and Malaysia. You will also be able to travel across the Woodlands Causeway and Tuas Second Link using any mode of transportation, including private cars and the old Bus 170 once restored. With this change, day trips to JB will now be very feasible. Shortly, long-distance buses will connect to other cities in Malaysia as well.

Do I Need COVID-19 Travel Insurance?

It’s wise to
buy travel insurance
 before COVID-19, but isn’t it almost indispensable? Travel insurance during a global pandemic can pose a lot of risks. Certain VTL countries like Malaysia and South Korea have required that
foreigners buy travel insurance with Covid-19
 medical expense
coverage
 before entering the country.

Conclusion
: there is no doubt that Covid-19 coverage is now under most travel
insurance companies
 either as an add-on rider or integrated into the primary policy. You will also not have to burn a hole in your pocket to get it either. The requirement to buy mandatory travel insurance no longer applies to fully-vaccinated short-term visitors. However, it may be wise to cover your medical/treatment costs and hospitalization under COVID-19.

In Malaysia, can travellers without or with partial vaccinations enter? In Malaysia, not fully vaccinated or unvaccinated travellers are allowed entry. Upon arrival, they will be under quarantine. The quarantine days will be five as of the 1st of April 2022. Within 24 hours of arrival, they must have a COVID-19 antigen rapid test administered by a professional. Also, on the 4th and 5th day, they must have another RT-PCR test administered by a professional.

What Happens If You Get COVID-19 After Returning?

You should first check whether COVID-19 is under your travel
insurance
. You must notify travel insurance providers such as
RHB
,
AXA
 and
Zurich
 within 14 to 30 days of receiving COVID-19 to qualify for benefits. After that, you should submit an online claim via your insurer’s mobile app or website with the appropriate documents:

A note from your doctor informing you that you caught COVID-19 and need treatment

The boarding pass or flight itinerary

Inpatient discharge summary or medical report

The original medical bills

Tags:
COVID-19
Travel Insurance
Vaccinated Travel Lane
VTL
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6 Things To Know Before Getting a Personal Loan

When taking out your first
personal loan
, you must know specific information so that potential lenders can verify it and be aware of it. It may include some familiar things, like your income. However, you may want to check others first, such as your credit score, before applying for the loan. Let’s discuss what you should know before you apply:

Credit History And Score

You demonstrate to lenders that you pay off your credit obligations on time if your credit score and credit history are good. An excellent
credit score
 will increase obtaining a loan with favourable terms. You can save thousands of money over the
loan’s
 lifetime by getting the best times.

Interest Rate

Several factors determine your interest rate, including your credit score, the loan amount and the term. Interest rates are from 3.49% to 29.99%. Of course, you’ll get the lowest rate when you have an excellent or good credit score and choose the shortest repayment term.

Is It Affordable For Me To Make The Monthly Payment?

Personal loans
 offer you repayment plans that work best based on your income level and cash flow. In some cases, lenders will provide incentives for using autopay, lowering your APR by 0.25 to 0.50 per cent. Many people prefer to reduce their monthly payments by paying back their loans over a long period. Others choose the highest monthly payment to pay off their loan as soon as possible. Choosing a longer repayment term and low monthly payments come with the highest interest rates. However, you may not realize it since the monthly payments are smaller, but you pay more for the loan in the long run. They recommend borrowers shouldn’t spend more than 35% to 43% of their income on debt, such as mortgages, car loans, and
personal loans
. So, if you earn RM4,000 each month, you should ideally keep your total debt obligations at or under RM1,720 each month.

Instant credits to repair your car from RM1,000 to RM5,000

When Do You Need The Funds?

Funds from some
personal loan
 lenders are delivered electronically the same day you are approved or the next business day. Other lenders may take ten days. Choose lenders with fast delivery if fast access to funds is vital to your situation.

Are There Fees Associated With The Personal Loan?

Most personal loan lenders do not charge fees other than interest. However, a sign-up fee, or origination fee, may be charged by some lenders. A lender deducts an origination fee from your loan as a one-time upfront charge to cover administration and processing costs. Prices usually range from 1% to 5%, although sometimes they are flat rates.

Employer’s Contact Details

Most likely, you’ll have to provide your current employer’s contact information and maybe information about a past employer. Your lender may contact your present and past employers for references or verify your income and employment dates.

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Final Thought

There are many advantages to
getting a personal loan
 instead of 0% APR credit cards. However, you are most likely to benefit from them when you have a plan. You can see options without
hurting your credit score
 by making a soft inquiry on the lender’s website or a third-party lending marketplace once you have reviewed the above questions. Once you see what you prequalify for, you should make a hard inquiry.

Tags:
APR
Credit Score
Debt To Income
Interest Rate
Personal Loan
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Personal Accident Insurance Coverage

Personal accident insurance
 protects you from accidents resulting from no fault of your own, which another person’s policy can never claim. Even though an unexpected accident is not pleasant to think about, prepare your finances for such events since no one can be 100% certain they will not happen. Without personal accident coverage, if the worst does happen, it can make things difficult financially for you (e.g., loss of income, unexpected bills, and expenses) as well as physically and emotionally for your family. Your accident cover may pay out compensation to you and your family if you are involved in a severe auto accident that causes injury or even death. Usually, this kind of coverage includes life and car insurance policies.

Which Incidents Are Covered By Personal Accident Insurance?

Many
personal accident insurance
 policies cover
 injuries and accidents, but the exact coverage depends on the policy you choose. It typically covers incidents by individual accident policies include:

Accidents or injuries occurring at work

A
road traffic accident
 that results in an injury or death (with no fault assigned)

Accidents caused by slips and spills

Loss of (or inability to use) any body part

Why Do You Need Personal Accident Insurance?

It is essential to consider personal accident insurance
 if you are a self-employed person. You may lack the benefits of a company
insurance
 policy if you’re self-employed or work in a hazardous environment, or your finances and work could make it impossible for you to support yourself financially if you were injured and unable to work. Whether you obtain
personal accident insurance
 is entirely up to you, but some people like to know that should the worst happen, their finances are at least a little bit better protected.

What Is The Coverage In A Personal Accidental Insurance Policy?

With a personal accident insurance policy, you can receive the following coverage benefits:

Accidental Death Cover

Accidental
death insurance
 is intended for dependent family members not to experience a tragic accident’s emotional and financial effects. As stated in the policy document, the entire sum assured is paid to the nominee in the event of a fatal injury.

Permanent/total Disability Cover

In case of disability or
total loss
, the company will pay a specific sum insured if the policyholder suffers permanent impairment.

Permanent Partial Disability Cover

An insured person is entitled to a percentage of the benefits (up to 100%) if bodily injuries result in permanent partial disability.

Temporary Total Disability

In a temporary total disability and bed-bound state, the insurer will compensate the insured for lost income with a weekly allowance. It can pay EMIs if the insured fails earnings.

What Personal Accident Insurance Covers And What It Doesn’t?

Knowing the terms
 and conditions of such a policy before you purchase it always works in your favour. Let’s look at the inclusions and exclusions:

Inclusion

Exclusion

Accidental death

Natural death

Total/partial disability that is permanent

Disability or injury that exists before the damage occurs

Dismemberment by accident

Having a child or being pregnant

Hospitalization costs/medical expenses

Suicides or self-inflicted injuries

Support for education of children

Non-allopathic treatments

Life support benefit

Influence of intoxicants

Tags:
Accidental Death
Coverage
Permanent Partial Disability
Personal Accident Insurance
Temporary Total Disability
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你应该更换你的汽车保险公司吗？

欢迎收看保险360, 我是 Cassandra。许多人在习惯一家
保险公司
后，并不太会更换他们的
保险公司
，因为可能已经习惯保险公司的服务或是不想办复杂的转换手续。但也因此，很有可能会缴付过多的保险费和错过更好的配套。所以今天我们就一起来探讨你是否需要换保险公司和一些注意事项。更换保险公司的最大好处，也就是部分人换保险公司最大的原因，就是其他保险公司可以提供更加多优惠的
保险配套
。举个例子，相同的覆盖范围，但保险费却比较低，而且也有更多的好处。好处可能就包括了免费拖车和更换轮胎服务、免费24小时道路救援等。因此，在更换保险公司前，车主都要事先做好功课，了解各家保险公司的利与弊，列下你对
保险配套
的要求，再进行评估和考虑是否需要更换保险公司。在马来西亚，汽车为人们代步是一件非常普遍的事情。而车险也是在拥有车子前，一件必要的事情。一般上，大家会想到换保险公司的另一个原因就是保险公司效率低、服务差、程序复杂。 多数人都会比较倾向于规模较大的保险公司，因为大规模保险公司人力资源充足、办事效率高、服务态度良好。同时，他们也提供方便简洁的程序让车主或是投保人更容易完成理赔或是续保程序。

再来，就是保险公司之间的竞争强烈。就因为如此，保险公司也会不断推出新的优惠配套以符合大家需求。假设你更换职业， 变成的士司机，那一般保险配套可能就无法达到你的需求。你可能需要附加选项，以确保在事故发生后，你和你的乘客都获的保障。所以，更换保险公司另一个原因也可能是因为车主或投保人对保险的覆盖范围有了新的要求。最后，如果你无意要更换保险公司，你可以向你的保险中介获取一些续保的折扣或是给予你更多的一些好处。但是如果你有意更换保险公司，请记得提前告知你的保险中介，因为保险公司需要提前知道来完成断保程序。也请记得，询问是否有取消费用或是退款。希望通过今天的视频，你已经了解更多车险的咨询。如果你喜欢我们的保险360系列，记得按赞与分享！

记得订阅我们的频道还有开启小铃铛，这样你就不会错过新影片的通知。我们下次见！

Tags:
保险公司
保险配套
汽车保险
汽车保险公司
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Apakah Jenis Diskaun Untuk Insurans Auto?

Masanya sudah tiba lagi untuk tahun ini, dan anda sedang bersiap sedia untuk
memperbaharui insurans kenderaan
 anda. Setiap Ringgit perlu dikira, jadi anda perlu pastikan bahawa anda mendapat nilai yang paling banyak untuk wang anda.Adakah anda sedar bahawa terdapat banyak ciri diskaun yang ada untuk pemilik kenderaan? Adakah anda tahu jika anda layak untuknya? Bagaimana anda boleh memanfaatkan faedah ini untuk keuntungan anda? Dapatkan jawapan untuk persoalan-persoalan ini dan banyak lagi sekarang!

Anda perlu memiliki insurans supaya dapat memandu di negara ini. Bagaimanapun, anda mungkin mendapati kos standard untuk membiayai
insurans kenderaan
 adalah agak tinggi. Harga ini boleh menjadi lebih murah jika anda dapat memanfaatkan banyak ciri diskaun di hujung jari anda! Beberapa diskaun
insurans auto
 yang perlu anda tahu adalah:

Diskaun Pemanduan Defensif

Insurans berfungsi ke atas risiko. Sekiranya anda merasakan dapat mengurangkan tahap risiko kepada syarikat insurans anda, mereka biasanya bersedia untuk memberikan potongan harga kepada anda. Mengambil kelas memandu secara defensif boleh memberikan anda diskaun sehingga 15% dengan pelbagai
syarikat insurans
. Apa yang perlu anda lakukan adalah mendapatkan sijil kelulusan dari sekolah memandu dan anda sudah bersedia!

Diskaun Memandu Tanpa Kemalangan

Seperti yang kami nyatakan tadi, dengan insurans segalanya berkaitan dengan risiko. Atas sebab ini, jika anda mempunyai rekod memandu tanpa pernah
kemalangan
, mana-mana syarikat insurans diluar sana pasti akan memberikan diskaun bonus yang hebat kepada anda. Kerana ciri ini, ramai pemandu tidak akan mendapat manfaatnya. Juga, ‘standard’ kelayakan yang ditetapkan untuk diskaun ini bergantung kepada setiap syarikat insurans. Ini bermakna, nilai sebenar yang anda dapat jika memenuhi syarat perjanjian itu adalah berbeza-beza dari satu syarikat insurans ke satu syarikat insurans yang lain.

Diskaun ‘Mileage’ Rendah Dan Penggunaan Kenderaan

Salah satu faktor utama yang akan menentukan berapa yang anda perlu bayar untuk insurans adalah lokasi geografi anda serta sejauh mana dan berapa kerap anda memandu kenderaan anda. Semakin selamat kawasan tempat tinggal anda, semakin tinggi diskaun yang anda akan dapat. Begitu juga, semakin pendek jarak perjalanan harian kereta anda semakin tinggi kadar diskaun yang anda terima.

Diskaun Kesetiaan Pelanggan

Ciri diskaun ini juga berbeza antara satu syarikat insurans dengan satu syarikat insurans yang lain. Sekiranya anda dapat mengekalkan polisi anda tanda sebarang masalah, biasanya pihak insurans akan memberikan anda diskaun sebagai tanda penghargaan dan insentif bagi mendorong anda untuk terus kekal bersama mereka.

Diskaun Untuk Kenderaan Berganda

Anda juga secara automatik berhak untuk mendapat diskaun, jika anda menggunakan polisi insurans auto ke atas beberapa kenderaan dengan syarikat insurans yang sama. Anda boleh mendapat diskaun sebanyak 25% untuk semua polisi yang anda ambil. Syarat yang diikuti oleh kebanyakan syarikat insurans adalah, kereta yang diinsuranskan merupakan milik individu yang memiliki ikatan kekeluargaan yang kuat. Ingin tahu lebih banyak lagi tentang diskaun yang boleh anda manfaatkan? Jadi. ‘Like’ video ini supaya ketinggalan video seterusnya! ‘Subscribe’ dan aktifkan notifikasi sekarang supaya anda akan mendapatkannya sebaik saja video disiarkan! Jumpa lagi!

Tags:
Diskaun Kesetiaan Pelanggan
Diskaun Memandu Tanpa Kemalangan
Diskaun Pemanduan Defensif
Diskaun Untuk Kenderaan Berganda
Insurans Auto
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Malaysia Motor Insurance Pool (MMIP)

If most Malaysian drivers and vehicle owners were asked this question, they’d most likely say no. As a concept and an operating system, the
Malaysia Motor Insurance Pool
 isn’t very well known. There is a good reason for this. If you use a vehicle for commercial or private purposes in the country, you know you have to get
insurance coverage
 before you can put the vehicle on the road legally, right? For the average vehicle owner, this is a relatively simple process. All you have to do is get in touch with an insurance agent or better, access an
auto insurance
 agency online and handle all your details there. However, for some vehicle owners, the process of getting coverage isn’t quite so simple. As such,
Malaysia
Motor Insurance
 Pool
 or MMIP for short comes into play.

What precisely is MMIP, and why is it so important?

What exactly makes it different from the regular insurance drivers get? We’ll be answering these questions and many more shortly.

What It The Malaysia Motor Insurance Pool?

Put concisely, it is an
insurance
 pool specifically designated for high-risk insured property which is operated directly in the insurance industry through the guidance and instructions of regulators. Earlier, we mentioned that getting auto insurance is simpler for some vehicle owners than it is for others. The reason some automobile owners encounter difficulty while trying to get insurance for their vehicles is largely owing to the perceived risks of insuring those vehicles. Here is what we mean.

For example, any vehicle owner operating a vehicle that has been inactive for fifteen (15) years or more is likely to encounter some serious difficulty when trying to get
insurance coverage
 for such a vehicle. As you can imagine, a vehicle of over 15 years, even properly maintained is still very likely to take damage more easily and need more repairs when compared to vehicles that haven’t been used as long. This is a factor that most insurers consider very important. These types of vehicles are seen to pose a higher risk, and as such, the average insurer is likely to stay away from them. Malaysia Motor Insurance Pool
 (
MMIP) was specifically created to cater for vehicles that pose a higher than normal level of risk.

Why Is It Important?

In Malaysia, regardless of how old your vehicle is or what the situation is, you must have vehicle insurance–if you want to be able to use the roads freely.
MMIP
 is indispensable in that it affords individuals whose vehicles have a higher than normal level of risk the opportunity to continue using their vehicles. Without offering these vehicles the insurance they need, it wouldn’t be possible for them to stay on the road.
MMIP
 was specially created to cater to vehicles that other insurers won’t provide insurance for so they can get coverage with relative ease.

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What Type Of Coverage Policy Does Malaysia Motor Insurance Pool Offer?

Similar to normal insurance, regular drivers have access to, Malaysia Motor Insurance Pool
 (
MMIP) also offers access to packages like the basic
Third Party insurance
 and Comprehensive insurance coverage.

Conclusion

Malaysia Motor Insurance Pool (MMIP) offers a wider selection of favorable options for automobile owners to choose from. So if you find that the regular
insurance packages
 don’t quite fit the bill, you can always check Malaysia Motor Insurance Pool
 (
MMIP) for something more adequate.

Tags:
Malaysia Motor Insurance Pool
MMIP
Motor Insurance
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5 Jenis Pelindungan Tambahan Dalam Polisi Insurans Kereta

Bagi anda yang memiliki kereta, pastinya anda boleh dikatakan sudah biasa dengan proses memperbaharui insurans berserta dengan
cukai jalan
 setiap tahun. Selalunya untuk pelindungan yang menyeluruh, pemilik kenderaan akan mengambil
polisi komprehensif
. Tetapi tahukah anda? Polisi ini sebenarnya tidaklah begitu sempurna. Anda mungkin masih perlu untuk membeli
polisi tambahan
 lagi bagi mendapatkan pelindungan terbaik. Tetapi ini semua bergantung situasi serta keperluan anda. Berikut merupakan 5 jenis pelindungan tambahan bagi
insurans kereta
:

1. Insurans Cermin Hadapan

Ramai yang menyangka bahawa
polisi insurans
 komprehensif kereta akan turut merangkumi kerosakan yang berlaku pada cermin hadapan kereta. Sebenarnya, jika anda mahu untuk melindungi cermin hadapan kereta, anda perlu membeli
polisi tambahan
. Jika cermin hadapan ini retak atau pecah, kos untuk menukar cermin ini boleh mencecah ribuan Ringgit. Bayaran tambahan untuk mengambil pelindungan tambahan bagi cermin hadapan biasa adalah di antara 10% hingga 15% bergantung kepada nilai cermin kereta anda itu sendiri. Mahal memang mahal, tetapi berbaloi jika anda menukarnya dengan duit poket sendiri. Tapi, jika anda jarang memandu atau hanya memandu dalam lingkungan jarak yang dekat di kawasan yang kurang berisiko, anda mungkin tidak perlu untuk menambah pelindungan cermin hadapan dalam pelan
insurans kereta
 anda.

2. Rusuhan Dan Mogok

Kita beruntung kerana di negara ini, sangat jarang berlaku kejadian yang tidak diingini seperti rusuhan dan mogok. Jika kejadian ini berlaku, tentunya kita tidak dapat menjamin harta benda kita selamat dan tidak dirosakkan oleh para perusuh. Jadi kebanyakan kita merasakan tidak memerlukan pelindungan tambahan ini. Tetapi kalau anda ingin mengambilnya, tidak ada masalah. Anda perlu membuat bayaran tambahan sekitar 0.3% daripada jumlah yang diinsuranskan ke atas kereta anda tadi. Untuk maklumat lanjut, anda boleh berhubung terus dengan wakil insurans anda. Nasihat kami cuma satu sahaja, berhati-hati semasa meninggalkan kereta anda. Elakkan meninggalkan kenderaan anda di kawasan yang berisiko seperti lokasi demonstrasi politik, perlawanan bola sepak dan sebagainya.

3. Bencana Alam

Di Malaysia, banjir merupakan salah satu bencana alam yang perlu kita hadapi saban tahun terutamanya di negeri-negeri Pantai Timur seperti Kelantan, Terengganu dan Pahang. Anda juga pastinya tahu, kos untuk membaiki kerosakan kereta yang diakibatkan oleh banjir adalah tinggi. Jadi, sekiranya anda tinggal di kawasan rendah dan sering mengalami banjir, penting untuk anda mengambil pelindungan tambahan.

4. Aksesori Kenderaan

Tidak semua orang perlu menambah polisi ini di dalam pelan insurans kereta mereka. Pelindungan ini diutamakan kepada pemilik kenderaan yang gemar mengubah suai dan menambah aksesori pada kereta. Pihak insurans bukan sahaja tidak akan memberi bayaran ganti rugi sekiranya aksesori ini dicuri, tetapi juga tidak akan menanggung kerugian jika aksesori mahal ini mengalami kerosakan
akibat kemalangan
. Pelindungan insurans cuma akan di peruntukkan untuk komponen kenderaan yang asli serta standard sahaja. Jadi, sekiranya anda sayangkan aksesori mahal anda itu, lebih baik ambil tambahan polisi untuk aksesori supaya tidak menyesal di kemudian hari!

5. Legal Liabiliti Undang-Undang

Terdapat dua jenis pelindungan yang ditawarkan bagi kategori ini iaitu:

Liabiliti Undang-undang Untuk Penumpang – Katanya penumpang kenderaan anda membuka pintu kereta secara tiba-tiba sehingga menyebabkan pemandu kenderaan di sebelah terkejut lalu mengelak sehingga berlaku kemalangan. Anda akan terlepas tanggungjawab daripada menanggung kos kerugian yang dialami oleh pemandu tadi. Pihak insurans akan membayar pampasan kepada pemandu tadi.

Liabiliti Undang-undang Kepada Penumpang – Pelindungan tambahan ini akan mengelakkan anda daripada disaman oleh penumpang kereta anda. Bagaimana? Katakan anda sedang memandu dan mengalami kecelakaan jalan raya sehingga menyebabkan penumpang anda mengalami kecederaan. Pihak insurans anda akan membayar kos perubatan sebagai ganti rugi kepada penumpang anda itu.

Untuk menambah pelindungan di atas ke dalam pelan
insurans kenderaan
 anda pastinya memerlukan kos tambahan. Layari laman web Fincrew bagi mencari
pelindungan insurans
 terbaik hari ini juga.

Tags:
Insurans Cermin Hadapan
Insurans Kereta
Liabiliti Undang-Undang
Pelindungan Tambahan
Polisi Insurans
Rusuhan Dan Mogok
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What Is Zero Depreciation In Auto Insurance?

Insurance
 lingo can be tough! Still, you’ve got to try to understand it as it is essential. One crucial aspect of
auto insurance
 vehicle owners aren’t very familiar with is Zero Depreciation or Nil Depreciation. What is this exactly? And how does it work? How can you benefit from this resource as a vehicle owner? Well, let’s find out!

Hello, and welcome. I’m Fincrew brand ambassador, Stella, and you’ll be receiving an extensive rundown of what this insurance is and how it works today. Also, I’ll be letting you know if it’s for you and, if so, how you can leverage it fully! Insurance is a big part of your experience as a driver! Use the Insurance360 Video Series to get more familiar with it today! Subscribe to our channel to learn more about how various aspects of
insurance work
 and repurpose them to your advantage! Don’t forget to enable notifications too! Now that you’ve done that, let’s get to it.

In
auto insurance
, depreciation refers to the process through which your vehicle or specific parts lose value over a set duration of time. This loss of value often occurs as a result of the influence of variables such as:

Wear and tear,

Age, and

Obsolescence

A classic instance is a fact that brand-new cars are always more expensive than older vehicles. One thing you should note is the fact that different parts of a car are influenced by different depreciation rates. For example, the rate of depreciation applied to the metal parts of a vehicle is different from that applied to the glass parts of the same car.

Zero depreciation
 is vital in vehicle insurance because should your vehicle sustain major damage due to an accident, regular insurance will only pay out after the value of depreciation has been removed from the automobile repair costs. In essence, when you take on
zero depreciation
 insurance cover, should your vehicle ever suffer damage, you are given the full value of the costs of any parts that need repairs. Some major differences you’ll observe between zero depreciation insurance and your regular insurance are;

You get a full settlement with zero depreciation while traditional insurance pays out after standard depreciation rates have been deducted.

What you pay as a premium for zero depreciation is significantly higher than what you pay for regular insurance premiums.

With regular insurance, you’d have to bear the costs of repairs relating to fiber, glass, and rubber parts of your vehicle out-of-pocket. The insurer covers those expenses when you’re on zero depreciation insurance.

Only cars below the age of 3 are eligible for zero depreciation, while that is not the case with regular insurance.

Considering these factors, what comes next is determining whether zero depreciation insurance is for you. While you are free to put in for this insurance provided your car is not above the 3 years old, zero depreciation works best for you if you fall under any of these categories:

Your car is still brand new,

You drive a classic or exotic car,

You’re not a very experienced driver yet,

Your area experiences a high frequency of accidents,

Your car has very pricey spare parts, and

You don’t like dings and dents on your vehicle at all.

All in all, be sure you’ve covered your bases before opting for this
auto insurance
 option. Like this video? Don’t forget to Like and Subscribe to our channel and stay tuned for all upcoming episodes from this Insurance360 video series. See you next time. Thanks for watching!

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Tags:
Auto Insurance
Nil Depreciation
Zero Depreciation
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2022 Thailand Pass Test & Go Application Guide For Malaysians

If you haven’t taken it personally, surely you’ve heard tales of those who’ve applied for the
Thailand Pass
 and had to wait days or even weeks to hear back. However, we’ve found a clear and straightforward way Malaysians can apply and get approval within 24 hours! Here, we’ll be highlighting all the tools you’ll need and the steps to take to ensure you encounter minimal, if any, delay.

Basic Requirements For Malaysians To Apply Thailand Pass Test & Go Plan

Before anything else, you need to log on to the
Thailand Pass
 website. Another thing you need to know before you proceed is that you need to meet these two essential criteria before the approach we’re about to highlight will work for you;

You need to be a Malaysian.

You must’ve been fully vaccinated.

If you’re not Malaysian or haven’t been vaccinated yet, there’s a column on the website you can follow to guide you on what to do.

For people who meet the two criteria highlighted above, some documents you’ll need to have at the ready include;

A valid ticket to Thailand.

Your SHA Extra Hotel invoice or receipt.

A valid PCR Test Appointment Invoice of receipt for the First Day in the country (Thailand).

A Valid
travel insurance plan
 with COVID-19 coverage.

A valid MySejahtera Vaccination Certificate.

A Malaysian Passport that’s still valid for more than 6 months, at least.

Please keep in mind that you need to make sure that you have them in JPG format as you’ll be uploading these documents online. For emphasis, do not prepare any of these documents in PDF or other format. With these prepared, you can follow a simple guideline to get your approval fast and easy!

Step One – Pick Your Means Of Arrival

Are you coming in by air or land? Whatever the case may be, pick the appropriate means of travel for you and then ensure you choose the options “NON-Thai” and “English.” This will go a long way in ensuring that all the information that’s subsequently brought to you is the right one for Malaysians.

Step Two – Get Your Travel Insurance With COVID Coverage

We recommend you
do that here
 as you’ll get all the flexibility you need to choose the right package for yourself and be cost-effective while you’re at it.

Step Three – Familiarize Yourself With Malaysia Border Rules

This step is crucial as it’ll help you order your plans and keep you from getting caught. You can find out all Malaysian regulations regarding travel
here
.

Step Four – Begin The Test & Go Application Process Proper

With all the preamble seen, you can now click on “Test and Go.” Since you’ll be filling in a lot of data here, you’ve got to be especially careful, as even one mistake or oversight could lead to your application being denied or delayed. Here you’ll start by filling the “Purpose of Travel” page. First, input the name of the port you’ll be arriving, don’t forget to include the details of your flight number. Next, you’ll need to input the details of your Passport. You can do this by simply uploading the JPG format of the Passport Detail you prepared earlier. After this, you’ll move to the next page, where you’ll be asked to supply your
COVID-19
 vaccination details. Simply upload that as well. The next page is where you’ll put the details of the hotel you made reservations with. You’ll have to include the invoice of the transaction here. Keep in mind that they’ll be checking the information you put here. Also, any accommodation you book has to be an SHA Extra plus lodging or hotel. The next page will require you to show evidence you’ve secured a purchase of your RTK-PCR first-day test. How much you pay for this will vary, depending on where you’re going and what clinic you visit.

Step Five – Check Your Application Status

Upon completing all the above steps, you’ll be issued a serial number. This is what you’ll use to check the status of your Thailand Pass application. To avoid any hassle, make sure you don’t lose this information. If you’ve followed all the outlined steps, you’ll have no problems securing approval fast!

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Conclusion

As the process of applying for the
Thailand
 Pass Test and Go Plan is constantly changing, travelers need to stay updated on transpiring events. We’ll be constantly revising the information on this page to reflect current events, so make sure you check back for more information! We wish you a happy stay in
Thailand
!

Tags:
COVID-19
Thailand
Thailand Pass
Thailand Pass Test & Go
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What Should I Do If I Can’t Afford My Car Insurance?

Every vehicle owner in Malaysia knows that
car insurance
 is like oxygen in the country; so far, you have a car you drive, you simply must have it. However, the nation’s economic situation is continually evolving, and simply put, times are tough. That being said, what’s the way out if you can’t afford to support the current insurance package on your vehicle? More importantly, what should you expect to happen moving forward?

Hello! I’m Stella, Fincrew brand ambassador, and I’ll be your go-to person for answers in this video.
Car insurance
 is vital. So, what opportunities can you leverage if you can’t live up to the responsibilities of fulfilling your car’s needs? We’ll be offering some pro tips on how best to proceed now! The right information is what makes the difference between making the right decision and a poor choice. Know all you need to know about
insurance
 in Malaysia today when you watch the Insurance360 Video Series! It is highly educative and attacks pressing car insurance issues in the country head-on! Catch up on the series so far, and don’t miss another episode by hitting the Subscribe button now and enabling the notifications! Got that? Great? Now let’s get started. If you can’t afford the
car insurance package
 you’re on right now, here are a few tactics you can employ. First:

Consider Comparison Shopping For Better Rates With Online Insurers

You might not know this, but slowly and surely, online
insurance companies
 are taking center stage in the country today. There are a lot of reasons these institutions are becoming the preferred choice where insuring automobiles is concerned. The first and perhaps most important reason is that they offer the same services as you would find with standard
insurers at cheaper rates
 and with greater convenience. You might be surprised to find more than a few
online insurers
 who’ll extend you the exact same coverage you have on your vehicle right now at a far more pocket-friendly rate.

Take Advantage Of Discount Features

There is a literal abundance of discount and bonus features you can easily key into to reduce your currently paying as car insurance. For example, a driver who obtained their coverage when they were single and didn’t update it after marriage may discover that they’re losing out on the car insurance marriage discount feature! Similarly, households that operate more than one vehicle with independent insurance packages are also losing out on the massive discounts they can get from a multi
car insurance package
. There are several other discounts like this that vehicles don’t accord much regard that could, in reality, help with the insurance bills. Find out what some of these discounts are and see if you qualify for them. Leverage them as best you can as it may help reduce your premium to a more reasonable level.

Consider The Vehicle

Since the make and model of a vehicle also influence what you pay as a premium, merely changing your vehicle might result in a drastic decrease in what you pay as insurance. What’s more, removing accessories and customized parts can also help you in this department. Now, if you’ve adopted all these measures and you still can’t afford to pay for
auto coverage
, your only other option is to park the car and start considering other transportation options as you simply can’t drive in the country without insurance.

We hope this video was helpful! For more informational videos like this, don’t forget to Like, Subscribe, go to your Settings and turn on your notifications, so you can stay tuned in all upcoming episodes from this Insurance360 video series. Till next time, have a great day!

Tags:
Auto Insurance
Car Insurance Discounts
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What Happens To Your Cryptocurrency & Digital Assets When You Die?

What happens to your
cryptocurrency
 value when you die? Do you have any idea? Is it included in your beneficiary’s retirement account and personal property? Unless your heirs have clear instructions on accessing crypto assets, the funds will be trapped somewhere in the cloud and of no use to them. Dying with no plan for your cryptocurrency or
digital assets
 is like letting it disappear. In case of
death
, you should take specific steps to ensure you can leave your
cryptocurrency
 to the people you love in case of death.

Ensure Your Cryptocurrency is Safe and Secure, But Make It Accessible

Cold wallets are small physical storage devices that are easy to lose. Cold wallets require a PIN code and a recovery phrase if the key is lost. It’s good to keep a fireproof safe at home or a safe deposit box at a bank, but don’t keep the key, PIN, and recovery phrase on the same shelf as your cold wallet. If the items are together, Bitcoin is doomed. The most important feature is to create a sensible storage method. Do not make some complicated system that you cannot remember just for the sake of being cute. For example, people have written down their keys and cut them into three pieces, hiding each part separately. “It seems like a good concept, but it’s a bad one. Once you lose one, you lose them all. So now the risk is tripled.”

The Best Way To Protect Your Heirs

To make sure your cryptocurrency is of value to your loved ones after you die, take the following steps:

Updating Legal Documents

Regulation of crypto assets falls under federal laws governing digital currencies. No matter what legal documents you have in place, you can name a beneficiary (or beneficiaries) on your online account, which will prevail over other documents, such as a will, trust, or power of attorney. Say you have a cryptocurrency account that you opened years ago. You were not married and did not have any children, so you named your brother the beneficiary. Since then, you have been married, and your spouse has been named the primary beneficiary. In the absence of updating your beneficiary designation on your crypto account, your brother will still be entitled to the cryptocurrency when you die. It’s essential to make sure the beneficiary on each cryptocurrency account is who you want them to be.

Draw Up a Will

By
creating a will
, you can give your beneficiaries a legal say over what they get and help protect them. You should make sure the lawyer who writes the choice includes all of your
digital assets
 and names a digital executor. If you have never
written a will
, the first
thing to know
 is that it is your executor’s responsibility to meet your last financial obligations and distribute the remaining assets to your beneficiaries. The executor and digital executor may be the same person, but that’s up to you. The digital executor is the person who has access to valuable information about your cryptocurrency. As soon as you determine who the digital executor will be, make sure you have a backup who can step in if the initial digital executor cannot serve.

You should notify your digital executor of where they can find information about the cryptocurrency. For example, imagine that you have purchased cryptocurrency on different crypto exchanges. In addition, you should ensure that your digital executor can easily retrieve user names, passwords, digital keys, and any two-factor authentication you’ve selected.

Tags:
Crypto Exchange
Cryptocurrency
Digital Assets
Online Will Writing
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Premium Insurans Kenderaan

Adakah anda berminat untuk mendapatkan
insurans kereta
? Tahukah anda, harga premium yang harus anda bayar untuk sesuatu polisi adalah bergantung kepada beberapa faktor?
Premium insurans kenderaan
 tidak mempunyai ‘default cost’. Sebaliknya ia dikira secara berasingan untuk mengikut individu. Berikut merupakan faktor-faktor yang boleh mempengaruhi premium anda!

Jenis Perlindungan

Pilihan paling asas hanya akan melindungi liabiliti dan ini merupakan
pelan insurans
 paling ringkas yang boleh anda miliki. Polisi lain mungkin akan merangkumi pelanggaran, pembayaran perubatan dan beberapa lagi pelindungan lain. Semakin banyak pelindungan yang diberikan, semakin mahal
polisi insurans kenderaan
 anda.

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Kereta Apa Yang Ingin Anda Insuranskan?

Jenis kenderaan yang ingin anda insuranskan akan mempengaruhi harga
polisi insurans kenderaan
 anda. Premium untuk kenderaan mewah lebih mahal berbanding dengan kenderaan biasa. Walaupun begitu,
syarikat insurans
 tetap akan menilai sejarah pemanduan anda (jika boleh), contohnya pemilik kenderaan mempunyai rekod pemanduan yang tidak bertanggungjawab. Ini akan menyebabkan mereka mengenakan harga polisi insurans yang lebih tinggi. Syarikat insurans juga akan melihat kepada statistik dan ciri perlindugan daripada kecurian yang ada pada kenderaan anda untuk menentukan risiko kereta anda dicuri. Sekiranya mereka menjangkakan risiko tersebut adalah tinggi, mereka mungkin akan mengenakan caj tambahan untuk polisi tersebut.

Berapa Kerap Anda Memandu Dan Ke Mana?

Mileage kenderaan anda juga akan mempengaruhi
premium insurans
. Jika tempat kerja anda tidak begitu jauh dan anda hanya menggunakan kenderaan anda untuk perjalanan pergi dan balik dari tempat kerja sahaja, premium yang dikenakan adalah lebih murah. Tetapi sekiranya anda sering melakukan perjalanan jarak jauh, kos pelan insurans anda juga akan bertambah. Kawasan bandar yang berpenduduk padat lebih terdedah kepada risiko kemalangan dan juga kecurian berbanding dengan kawasan pinggir bandar yang lebih selamat. Tempat di mana anda selalu memakir kenderaan juga boleh mempengaruhi harga polisi insurans. Sebagai contoh, garaj lebih selamat berbanding jika anda memakir kenderaan di kawasan yang terbuka.

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Maklumat Peribadi Dan Statistik Pemanduan

Selain daripada maklumat yang berkaitan dengan kenderaan anda, perincian dan statistik pemanduan anda akan menentukan kos polisi insurans kenderaan tersebut. Berikut merupakan faktor yang akan mempengaruhi harga premium:

Umur
 – Statistik menunjukkan bahawa kadar kemalangan yang tertinggi adalah melihatkan pemandu yang berumur kurang daripada 25 tahun dan lebih tua daripada 65 tahun.

Status perkahwinan
 – Pemandu yang telah berkahwin dipercayai lebih bertanggungjawab, ia boleh mengurangkan kos polisi insurans.

Sejarah pemanduan
 – Berapa lama anda telah memiliki lesen? Pernahkah anda terlibat dengan kemalangan sebelum ini? Sudahkan anda membayar saman melebihi had laju atau terlibat dengan apa-apa sabitan trafik? Syarikat insurans akan menggunakan kesemua maklumat ini untuk mengira berapa kos premium insurans kenderaan anda.

Akhir sekali, jika anda bercadang untuk menginsuranskan beberapa buah kenderaan serentak, selalunya anda akan berpeluang untuk menerima diskaun. Kos untuk
premium insurans kenderaan
 bagi kenderaan kedua akan dikurangkan.

Tags:
Insurans Kereta
Polisi Insurans
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Membuat Tuntutan No Fault Own Damage

Kerosakan akibat kemalangan bukan hanya berlaku apabila anda sedang memandu di atas jalan raya sahaja. Kemalangan juga boleh berlaku walaupun anda tidak memandu kenderaan anda itu. Contohnya, kenderaan lain melanggar kereta anda dalam keadaan kereta anda itu berada di tempat parkir. Jika ini berlaku, apa yang boleh anda lakukan? Kos nak membaiki bahagian yang kemik atau calar bukannya murah. Bolehkah anda membuat
tuntutan
 kepada pihak
insurans
?

1. Siapa Yang Langgar?

Perkara pertama yang perlu anda lakukan apabila berdepan dengan situasi ini adalah, periksa dahulu cermin hadapan kereta anda. Lihat sama ada terdapat sebarang nombor telefon atau pun kad nama diselitkan pada wiper. Kalau anda bernasib baik, anda boleh menyelesaikan hal ini secara baik diluar mahkamah atau terus membuat
tuntutan insurans
 daripada pelaku tersebut.

2. Tidak Tahu Siapa Pelaku?

Bagi kebanyakan kes, pelaku selalunya akan terus melarikan diri setelah melakukan kerosakan. Jadi, anda tidak tahu siapa yang menyebabkan kereta anda kemik atau calar. Jika ini berlaku, anda boleh memfailkan ‘
No
 Fault Own Damage
’ (NFOC) dari
syarikat insurans
 anda. Adakah ini akan menyebabkan anda kehilangan ‘No
Claim
 Bonus’ dalam polisi insurans? Jawapannya, tidak. Ini kerana kemalangan yang berlaku ini bukan disebabkan oleh salah anda.

3. Hubungi Syarikat Insurans

Anda perlu membuat laporan kepada pihak polis dalam tempoh 4 jam setelah anda sedar tentang kerosakan tersebut. Setelah itu, barulah anda membuat laporan kepada syarikat insurans anda dan menghantar kenderaan anda ke bengkel panel yang terdekat. Pastikan anda menghantar kereta anda ke bengkel panel insurans untuk memastikan tuntutan anda berjaya. Dokumen yang diperlukan untuk
memfailkan tuntutan

No Fault Own Damage
 (NFOC) adalah :

Tuntutan rasmi daripada syarikat insurans

Salinan asal laporan polis

Salinan asal hasil siasatan polis

Salinan kad pengenalan

Salinan lesen

Kad pendaftaran kenderaan terkini

Resit bagi kos pembaikan

Gambar kerosakan kenderaan sewaktu kemalangan tersebut berlaku (jika ada)

4. Ketahui Kos Baik Pulih

Setiap bengkel panel akan mempunyai pelaras kerugian berlesen bebas (independent licensed adjuster) yang akan menilai segala kos kerosakan yang dialami
akibat kemalangan
 tersebut. Kemudian mereka akan mengeluarkan laporan kerugian untuk kenderaan anda. Jadi, simpan laporan ini untuk rujukan pihak insurans. Pelaras kerugian ini juga boleh membuat anggaran tempoh masa bagi menyiapkan kenderaan anda. Ini dipanggil ‘
Compensation for the Actual Repair Time
’ (CART) dan anda boleh tuntut dari syarikat insurans. Ia biasanya akan mengambil masa di antara satu ke dua minggu sebelum laporan tuntutan ini diluluskan. Jadi anda terpaksa menggunakan duit anda sendiri untuk menanggung kos kerosakan sebelum anda berjaya mendapatkan pampasan dari syarikat insurans.

5. Tidak Bertangguh

Jangan berlengah untuk melaporkan
tuntutan kepada syarikat insurans
. Lebih lama anda tangguh, lebih lambat anda akan mendapat pampasan yang sepatutnya. Jika perlu, anda boleh menghubungi terus syarikat insurans anda untuk memahami prosedur yang harus anda lakukan bagi menyiapkan dokumen yang diperlukan secepat mungkin. Kalau anda mempunyai kenderaan lain, mungkin anda tidak akan begitu terkesan. Tetapi sekiranya itu adalah satu-satunya kenderaan untuk anda berulang-alik ke tempat kerja, menghantar anak ke sekolah dan lain-lain, ia pasti akan menyukarkan hidup anda. Anda mungkin terpaksa mengeluarkan belanja lebih untuk menggunakan pengangkutan awam atau Grab.

Malang itu tidak berbau, tetapi kita boleh mengambil langkah berjaga-jaga bagi mengelakkan masalah yang lebih besar. Contohnya dengan mengambil
pelindungan insurans kenderaan
 komprehensif. Anda boleh mula membandingkan sebut
harga insurans
 kenderaan di Fincrew.my. Laman ini mempunyai pelbagai
polisi insurans
 dari syarikat insurans yang berbeza. Anda juga boleh memperbaharui insurans kenderaan dan
cukai jalan
 di sini dengan percuma. Menarik bukan?

Tags:
CART (Compensation for Assessed Repair Time)
NFOC
No Fault Own Damage
Tuntutan Insurans
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Kesilapan Semasa Membeli Insurans Kereta

Memilih pelan insurans kereta adalah sangat penting seperti memilih untuk membeli kereta itu sendiri. Anda perlu memilih perlindungan yang tepat supaya anda bukan sahaja mendapat perlindungan yang sesuai dengan keperluan anda tetapi juga memberikan perlindungan terbaik pada nilai yang berpatutan. Berikut merupakan 6 kesilapan yang perlu anda elakkan semasa membeli insurans kereta:

1. Tidak Membuat Kajian

Sama juga seperti anda nak membuat pembelian untuk barangan atau produk lain di pasaran. Anda perlu meluangkan masa untuk membuat sedikit ‘research’ bagi memastikan adakah syarikat insurans tersebut merupakan syarikat insurans yang bertauliah dan boleh dipercayai? Periksa juga sama ada terdapat sebarang aduan tentang perkhidmatan yang mereka tawarkan itu. Pada zaman ini, anda sangat beruntung kerana semua ini boleh dilakukan dengan pantas di hujung jari sahaja.

2. Tidak Membuat Perbandingan

Kenapa kena buat perbandingan? Jawapannya sangat mudah. Dengan melakukan perbandinganlah baru anda dapat melihat kelebihan-kelebihan yang ada pada setiap pelan di luar sana. Walaupun pelan tersebut mempunyai nama yang sama, tetapi mungkin ia akan memberikan perlindungan mahupun nilai premium yang berbeza. Anda juga boleh mendapatkan gambaran yang lebih jelas tentang jumlah tuntutan yang mampu anda terima antara satu
syarikat insurans
 dengan satu syarikat insurans yang lain. Sebagai pengguna, kita tentunya mahukan pelan yang paling menguntungkan bukan?

3. Tidak Memahami Keperluan Diri Sendiri

Semua orang mahukan
perlindungan insurans
 terbaik bagi jaminan masa hadapan mereka. Pelan insurans yang mahal tidak bermakna anda sudah cukup dilindungi dan pelan insurans yang agak murah memberi perlindungan yang terlalu sedikit. Anda perlu mempertimbangkan keperluan anda dalam memilih pelan insurans yang sesuai. Ada sesetengah situasi tidak memerlukan anda mengambil polisi tambahan untuk pelan insurans. Sebagai contoh, jika anda tidak melakukan sebarang ubahsuai pada kenderaan anda, anda tidak perlu menambah polisi perlindungan aksesori. Kaji serta pertimbangkan apa yang anda memang perlukan sebelum mengambil mana-mana pelan perlindungan.

4. Memberi Maklumat Palsu

Jangan pernah cuba untuk berbohong kepada syarikat insurans terutama sekali semasa mendapatkan sebut harga atau pun ketika cuba membuat tuntutan. Jika anda didapati memalsukan maklumat insurans, pihak insurans bukan sahaja akan menolak tuntutan tetapi mereka juga mungkin akan membatalkan polisi sedia ada. Bukankah ini akan memberikan masalah lain di masa hadapan?

5. Tidak Mempunyai Cukup Maklumat

Mengetahui jenis perlindungan yang diperlukan sahaja tidak cukup. Masih ada perkara lain yang perlu dilihat dalam membeli sesuatu pelan insurans itu seperti:

Nilai semasa kenderaan – Harga satu polisi insurans itu bergantung kepada harga semasa kereta serta kondisi kereta tersebut.

Kurang/lebih perlindungan – Anda perlu memberikan perlindungan yang sewajarnya untuk kereta anda. Cari polisi yang sesuai dengan keperluan serta kemampuan anda.

No Claim Discount
 – Merupakan satu ganjaran yang diberikan oleh syarikat insurans bila anda memperbaharui insurans kereta dengan syarat anda tidak pernah membuat sebarang tuntutan kepada mereka. Memahami syarat NCD ini akan membantu anda untuk menjimatkan lebih banyak lagi wang dalam mendapatkan perlindungan terbaik.

6. Kekal Dengan Syarikat Yang Sama

Setia itu memang bagus, tetapi dalam mencari perlindungan terbaik, anda perlu serta membandingkan setiap pelan yang ada di luar sana. Ini kerana setiap tahun, ada sahaja syarikat insurans yang berlumba-lumba menawarkan khidmat yang lebih baik dengan harga yang berpatutan. Jadi, rugi sekiranya anda tidak mengambil peluang ini untuk mendapatkan perlindungan terbaik untuk kereta anda.

Cara terbaik untuk
membandingkan sebut harga
 serta perlindungan yang ada di luar sana adalah dengan melayari internet. Cara ini lebih mudah dan efisien. Antara laman web yang memberikan khidmat perbandingan insurans adalah Fincrew. Di sini terdapat banyak pelan insurans daripada pelbagai syarikat yang boleh anda pilih.

Tags:
Insurans Kereta
No Claim Discount (NCD)
Syarikat Insurans
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Additional Driver Name To Your Car Insurance

It might be time to renew your
car insurance
, or you are acquiring it for the first time. Perhaps the circumstances change in the meantime, but whatever happened, your current plans are to add an extra driver’s name to your
car insurance
. Here is everything that you should know about this process and what are its benefits.

Is It Legal To Add Another Driver To My Car Insurance Policy?

Yes, the Malaysian laws suggest that it is legal to add other drivers to your auto insurance policy. The key thing to note is that you will still be the owner of the document. As the car owner, you are the legal policy owner, too. That means that other drivers included in the policy don’t have any special rights.

Why Would You Need To Add Other Names To Your Auto Insurance Policy?

Although other drivers don’t enjoy special rights like claiming for damage, there is an important reason why you should consider adding their name(s) to your policy. If an accident occurs, and they are behind the wheel, there is no penalty that they (or you) have to pay when claiming the damage. Allow us to explain this by using an example. Let’s say that you borrowed your car to a friend. They needed it to run some errands around the city, but they participated in an accident. They weren’t guilty of the accident, which means the policy owner (you) has the right to
file for a damage claim
. However, if the driver behind the wheel isn’t included in the
insurance policy
, there will be an RM400 penalty. It is also called an unnamed driver
excess
, and that sum will be deducted from the damage you receive. If you file a claim for RM10,000, you can only get RM9,600 because a driver that wasn’t in the policy was driving at the time of the accident. That is the critical reason why you should consider adding an extra driver name to your policy.

Is Adding Additional Driver Name To Your Insurance Free?

Yes, most
insurance
 agencies in Malaysia allow you to add
additional driver
‘s name for free. That is a benefit provided to families so that the policy owner doesn’t have to pay an extra fee to add a family member to the list of drivers. It is why a parent might decide to add their child, especially if the kid is often driving the vehicle. That is a common situation when a child goes to college. The car will still be in the parent’s ownership, but the kid will be allowed to drive it. It is possible to add other drivers’ names, too, with the maximum usually set at five people. However, only the first extra driver is included for free. You will need to pay a fee of RM10 for every
additional driver
 you incorporate in the policy. If you consider that the unnamed driver excess is RM400, you realize that this can be a smart investment, too.

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The best time for adding extra drivers is when you are
renewing your insurance
. The process is a bit more complicated after you receive the cover note. However, it is still possible to add new names to the driver list. Make sure to contact your
insurance company
 to learn more about the details of the process and how to prepare the relevant documentation.

Tags:
Additional Driver
Malaysian Law
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