{"url": "https://blog.fincrew.my/2022/10/10/4-tips-for-buying-travel-insurance/", "title": "4 Tips For Buying Travel Insurance", "body": "Would you like to know how to get \ntravel insurance\n? There\u2019s a lot to review with the various plans, the jargon associated with insurance, and are you really planning to spend your money on something you can\u2019t touch and may not even use?\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nTips For Buying Travel Insurance\n\n\n\u00a0\n\n\n1. Look For Insurers That Offer Excellent Customer Service\n\n\nEven though you can have a fantastic time, it\u2019s not uncommon to wish you had a friend. Similarly, you can purchase trip insurance without guidance, but you might feel safer and avoid a few headaches if you have someone on your side. It\u2019s common to have questions when deciding what \ntravel insurance\n is right for you. Some of the terms might need clarification or a refresher. A unique situation might make you wonder whether or not a particular benefit will apply to you. Before you buy anything, Fincrew Insurance offers a team of experts who can answer those questions. We put your experience first at Fincrew \nInsurance\n. In the \ntravel insurance\n industry, we hold ourselves to the highest customer service standards so that you can travel comfortably, knowing you have support from when you buy to when you return home.\n\n\n2. Recognize The Value Of Travel Insurance\n\n\nWe hear a lot of questions about whether travel insurance is worthwhile. In the end, if you\u2019re lucky, you won\u2019t need travel insurance. We understand, however, that you may still feel like discarding fresh produce even if you are not using your coverage. You might look for a bargain to avoid spending money on something you might not use. The cost of that might be enough for you, depending on your budget and travel style. But, keep in mind that value differs from price. The quality of what you get depends on your budget. If you pay less, you can expect a lower-quality product. You might find a great fare on a budget airline, but you\u2019ll probably miss out on complimentary in-flight snacks, have little leg room, and have extra pay to check luggage. When you buy a plane ticket on a different airline that includes these amenities, you will pay more and get more. The more expensive airfare is, the better value if the extras are essential to you. Travel insurance is no different. Don\u2019t confuse price with value. You will have to pay for additional travel insurance depending on the \ncoverage\n and the provider. Nevertheless, the plan may be worth the price if you \nreceive better coverage\n that meets your needs or better customer service.\n\n\n3. Trust The Experts\n\n\nAs much as we want you to bring us along on your trip, we believe having a community of experts helps you make some decisions and makes your vacation safer, easier, and more enjoyable.\n\n\n4. Review Customer Testimonials\n\n\nLook for reviews if you are still not convinced about a specific plan or \ninsurance provider\n in your research. For example, \nFincrew\n Insurance also provides customer reviews. Additionally, \ninsurance\n providers may have more detailed testimonials that show a customer\u2019s experience from beginning to end on their website.\n\n\nTags:\nInsurance Provider\nTravel\nTravel Insurance Benefits\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/04/13/excess-in-auto-insurance/", "title": "Excess In Auto Insurance", "body": "It might be tricky to understand a auto insurance policy if you never used it before. These contracts include professional terms that you might not be familiar with, and one of them is \nexcess\n. If you come across the term \nexcess\n, or someone requires you to pay it as a part of the \ninsurance policy\n, you want to know what it is first. Here is a detailed guide on what you should know about a \nauto insurance excess\n and how much you need to pay for it.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat Is Excess On Your Car Insurance?\n\n\nThe critical thing to know about the \nauto insurance excess\n is that it is the sum you have to pay per claim because the provider doesn\u2019t cover it. Your policy will determine the potential excess cost for any payable claim. Here are some factors that could be considered excess:\n\n\n\n\nPaying damage to a third-party because you were liable for damages to their vehicles, property, etc.\n\n\nAny expenses you need to pay as a part of processing and conducting the claim.\n\n\nThe insurance only agrees to pay a certain sum, and you need to invest personal funds for repairing the damages on your vehicle or property.\n\n\n\n\nThere isn\u2019t an exact definition of all expenses that could fall into the excess category. However, it is safe to say that those are \u201cthe insurance policy owner\u2019s expenses that the provider isn\u2019t required to pay.\u201d\n\n\nHow Much Will Your Auto Insurance Claim Excess Cost?\n\n\nLet\u2019s imagine a situation \u2013 you participated in a vehicle accident that wasn\u2019t your fault. Therefore, you decided to \nfile a claim to your insurance company\n. Now, the total claim sum might be MYR2,500, but your excess is MYR250. That could happen because the \ninsurance company\n agreed to pay MYR2,500, but it also happened that you are liable for the third-party damage. That\u2019s the MYR250 part that the provider refuses to pay. The insurance provider might have a policy that you need to pay for filing a claim, or they might have other expenses related to the claim. You could count them towards the excess sum, too.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhat Is a Compulsory Excess Fee?\n\n\nThe previous section referred to the excess related to your policy. However, there is also the so-called CED \u2013 Compulsory Excess Fee. That\u2019s a sum that the law requires certain persons to pay. Here are the categories of drivers who fall into that category:\n\n\n\n\nDrivers who are younger than 21\n\n\nDrivers that only have an L (probational) license\n\n\nDrivers with P license\n\n\nThose that are not policy owners and drive someone else\u2019s vehicle.\n\n\n\n\nSome people consider this a fine, and that would be a reasonably acceptable explanation. It doesn\u2019t matter which category you fall into because the compulsory excess charge is always MYR400. If anything, you will always know how much this fee is since it cannot vary unless changed by the regulations. The compulsory excess charge is something to consider if you drive a friend\u2019s car or someone else\u2019s vehicle. That covers the basics of \ncar insurance\n excess details. As you can see, they are not complicated, but they will be a hit to your budget. The exact amount will depend on many factors. That is why you should analyze the policy and claim carefully or consult an expert to reveal more about this area.\n\n\nTags:\nCompulsory Excess Fee (CED)\nExcess\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/10/04/how-to-sue-an-insurance-company-thats-not-approving-your-claim/", "title": "Sue An Insurance Company That\u2019s Not Approving Your Claim", "body": "You have the right to sue any \ninsurance company\n that has failed to live up to its agreed-upon responsibilities, especially when you find yourself in an unusual scenario. However, before going up against your \ninsurance company\n, you should be aware of a few things. The worst has just happened. Either you\u2019re the victim of \ntheft\n, or you find your property has been severely damaged. You\u2019ve followed due process, contacted the police and your \ninsurance company\n at the appropriate time. You\u2019re waiting patiently for your claim to be approved so you can begin piecing yourself back together, only for your insurance company to deem your claim invalid! What do you do? Here\u2019s all you need to know about suing your insurance company for not approving your claims.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhy would an Insurance Company Not Approve Your Claim?\n\n\n\\Keeping in mind that \ninsurance companies\n are established to turn a profit, your insurer may invalidate your claims for any number of reasons. Listed below are a few of them.\n\n\n1. Coverage\n\n\nYour insurance company may claim that your policy doesn\u2019t cover the damage payout you want to receive. Go through the fine print of your \ninsurance policy\n to determine what you are and aren\u2019t insured for yourself. The good news here is that any ambiguities in court will be judged in your favor, not your insurers.\n\n\n2. Application Oversight\n\n\nThe \ninsurance company\n may capitalize on any error in your original application and use it as grounds for nullifying your entire coverage.\n\n\n3. Claim Errors\n\n\nDepending on the requirements that your insurer employs, sometimes, merely notifying your \ninsurance\n provider of an accident after 24 hours may lead to your claims being denied.\n\n\n4. Incident of Insurance Fraud\n\n\nSubmitting an insurance claim\n with falsified or exaggerated information could not only result in your claims being denied but also carries some severe legal penalties.\n\n\n5. Bad Faith Denial\n\n\nWhen your insurer is fully aware your claims are valid but hides under confusing insurance lexis, so that they don\u2019t pay; your insurer is in bad faith denial. Once you\u2019re certain you\u2019ve kept up your end of the policy duly, you can start preparing for your day in court.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nFour Things to Keep in Mind when Suing Your Insurance Company\n\n\nIf you\u2019ll be suing your insurance company for violating the term of your \ninsurance policy\n, it\u2019s always helpful to be prepared. The more information and proof you have, the higher the chances of winning and claiming what is rightfully yours. Here are four things to bear in mind when suing your insurer:\n\n\n1.\u00a0 Keep Proof of all Interactions with Your Insurer\n\n\nBe proactive! Make sure you can tender proof of all conversations that transpired between you and your insurance company. Keep everything, including information on your representatives, such as their names and dates.\n\n\n2. Keep Records of Everything Relating to the Insured Property\n\n\nKeep every document relating to the insured property. It\u2019s especially helpful if you can present an image of the insured property as it is after the accident.\n\n\n3. Document your Expenses\n\n\nBe as truthful as you can be when recording all the expenses you incurred, resulting from the accident. Keep everything from the \ncost of repairs\n and lost wages to medical expenses.\n\n\n4. Pick a Skilled Attorney\n\n\nThe wealth of experience your lawyer has factored into how well this case will swing your way. This is why you need someone with extensive knowledge to interpret the nuances of insurance law in your favor.\n\n\nConclusion\n\n\nEven when you\u2019re right and your claim is valid, suing your insurer is a delicate process. The sooner you can involve an attorney to help you wade through these murky waters, the higher your chances of winning in court.\n\n\nTags:\nAttorney\nInsurance Policy\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/02/07/compensation-for-assessed-repair-time-cart/", "title": "Compensation For Assessed Repair Time (CART)", "body": "If you are signing a new car insurance policy, your provider could offer a wide range of add-ons. You\u2019ll have the option to pick compensation for assessed repair time, which is more famous than CART. Before you decide whether you need this add-on, it\u2019s crucial to learn more about it. That way, you can make an informed decision whether that\u2019s an extra option to use in your insurance policy.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nWhat Does CART Mean?\n\n\nThe term \ncompensation for assessed repair time\n refers to how much time your car spends in the workshop during the repair process. If you participate in an accident and your car gets damaged, you\u2019ll have to take it to the mechanic. Those will usually be workshops that work with that \ninsurance\n agency. They might take two or seven days to finish the repair process. You won\u2019t be able to use your car during that time frame, which is why you have the right to CART. The compensation you receive serves to reimburse you for alternative transportation options and other adjustments you had to make during that time.\n\n\nWho Determines CART?\n\n\nTwo factors are crucial to determine \ncompensation for assessed repair time\n:\n\n\n\n\nEstimation of the appointed licensed adjuster\n\n\nSpecifics of your \ninsurance policy\n\n\n\n\nIf you participate in an accident, you file a police report and \ninsurance claim\n. You take the vehicle to the agreed workshop, and an independent adjuster comes into play. They estimate how long the workshop should take to finish the repair and determine the days of CART to pay. Some repairs take only two days, and others might take 14. The adjuster will estimate that and give a recommendation that the insurance agency will honor. However, the exact sum you receive might depend on your insurance policy\u2019s specifics. Once you signed the coverage, you agreed to specific terms for this add-on. Most \ninsurance companies\n offer a selection from different packages, and factors to choose from include:\n\n\n\n\nAmount to be paid per day (RM50-200 in most cases).\n\n\nCoverage days (from seven to 21 days or more).\n\n\n\n\nNow, let\u2019s say that you agreed to a 14-day policy with RM50 per day. That means the total value is RM700. It depends on the company, but the usual rate you are paying is \u201c10%\u201d of the entire value, which means this add-on will cost you RM70.\n\n\nCan You Use CART For Multiple Accidents?\n\n\nYes, but the condition is there are days available in your add-on policy. Here is an example \u2013 let\u2019s say your car was damaged in an accident in February. You signed the policy in January and included CART in your deal. The adjuster estimated it takes five days to repair your vehicle. If we follow the deal specifics above (14-day CART policy with RM50 per day), you\u2019ll receive RM250 for five days. The next accident occurred in August, and the adjuster estimated repair time at nine days. That means you\u2019ll receive RM450 for all nine days. However, if the estimation is ten days, you\u2019d still receive only RM450 because you have nine days left on your deal. Please note that renewing your agreement means you can count the \nCART\n days from zero. As you can see, \nCART\n is a useful addition to your \ncar insurance policy\n. However, it all comes down to your decision because you aren\u2019t mandatory to include it in the deal.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nCar Insurance\nCART (Compensation for Assessed Repair Time)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/16/top-auto-insurance-companies-in-malaysia/", "title": "Top Auto Insurance Companies In Malaysia", "body": "Insurers that offer the cheapest rates aren\u2019t necessarily the best. Insurance is a tricky business, and it\u2019s tempting to shop based on price alone, but you\u2019ll need a company that will help you if you need to file a claim. It\u2019s not worth picking the cheapest coverage only to find out it doesn\u2019t offer you the protection you need. For 2022, we have compiled our list of the best \nauto Insurance companies\n for you to choose from for your insurance needs.\n\n\n\n\nWhich Auto Insurance Companies Are The Best In Malaysia?\n\n\nAcross the country, we talked to real customers at four of the largest \nauto insurance companies\n. These reviews offer valuable insight into how well a company serves its customers, which can help determine the best company for you. We analyzed this data to determine the best insurance companies in the country and those with the best claims handling, customer service, and loyalty programs. Additionally, it identifies the \ninsurance companies\n whose policies are most likely to be renewed and recommended by their policyholders.\n\n\nTop Ranked Auto Insurance Companies In Malaysia\n\n\n1. Allianz Car Insurance\n\n\nThere are many \nauto insurance\n companies in Malaysia, but we found \nAllianz\n to be the best. This \ninsurance provider\u2019s\n customers are delighted with its customer service. In addition to its ease of \nfiling claims\n, initial response service, the Allianz tow trucks, as well as its quick approval time of 10 minutes, and they also offer frequent updates on each claim\u2019s progress. Their customers also appreciate the company\u2019s claims handling process.\n\n\n2. AXA Car Insurance\n\n\nAccording to most survey respondents, \nAXA\n makes filing a claim easy, so many intend to renew their coverage. In addition, customers appreciated de tariffing rates and the more significant number of add-on options offered by the \nbusiness\n. As part of AXA\u2019s unique offerings, we offer SmartDrive Enhanced Private Cars with Telematics. If you add AXA FlexiDrive to your policy, your \npremium rates will be lower\n! Generally, insured drivers through AXA believe that the company is a good value.\n\n\n3. Etiqa Car Insurance\n\n\nAt the top of our list, \nEtiqa\n is the third-best \nauto insurance\n company. In general, consumers who have \nfiled a claim\n agree that Etiqa makes the process easy. They offer a 10% rebate on top of your \nNCD\n if you renew online. The company provides \ninsurance\n and 24-hour roadside assistance, emergency medical assistance abroad, and unfound friends and family assistance in every insurance company. It is Etiqa\u2019s customer assistance system that gives you the feeling of security and safety. According to the survey, most respondents plan to \nrenew their policy\n and are likely to recommend Etiqa to friends and family.\n\n\n4. Zurich Car Insurance\n\n\nAlthough \nZurich Car Insurance\n generally earns good ratings across the board, it did not stand out in any area as being exceptionally superior to the competition. There are a few packages they offer that are particularly interesting, such as:\n\n\n\n\nDrivers with low risk can receive a 10% discount on their premium\n\n\nWith voluntary \nexcess\n, you can receive a discount of up to 20%\n\n\nWater damage coverage as low as RM10 per year\n\n\nDriver and passengers can get an accident insurance policy for as little as RM15 per year\n\n\nAccess to a courtesy car on an unlimited basis\n\n\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nTags:\nAllianz\nAXA\nAXA FlexiDrive\nEtiqa\nNo Claim Discount (NCD)\nSmartDrive Enhanced Private Cars\nZurich\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/12/12/total-loss-dalam-syarat-insurans-kereta/", "title": "Total Loss Dalam Syarat Insurans Kereta", "body": "Apabila bercakap tentang soal \ninsurans kereta\n, ramai orang menganggap ia perkara yang membosankan. Ini kerana terdapat terlalu banyak istilah yang mengelirukan. Namun, penting untuk anda mengetahui dan memahami beberapa istilah atau terma berkaitan dengan \ninsurans kenderaan\n. Salah satu perkara yang paling penting yang perlu anda tahu adalah tentang \u2018\ntotal loss\n\u2019 atau kerosakan sepenuhnya.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nApa Itu Total Loss?\n\n\nBagaimana ia berlaku, dan apa yang boleh anda lakukan? Kami akan membantu anda untuk memberikan jawapan terhadap semua persoalan ini. Sebelum pergi lebih dalam lagi, anda perlu tahu yang sesebuah kenderaan itu akan dianggap \ntotal loss\n disebabkan dua keadaan. Yang pertama, kereta tersebut dicuri. Kedua,kenderaan tersebut \nterlibat dalam kemalangan\n dan mengalami kerosakan sehingga tidak dapat digunakan lagi.\n\n\n\n\nDalam artikel ini, kami akan menerangkan secara lebih mendalam tentang senario yang kedua. Agensi \ninsurans\n akan menganggap kenderaan yang terlibat dalam kemalangan itu mengalami kerosakan sepenuhnya anggaran nilai untuk membaiki kenderaan tersebut lebih tinggi daripada actual cash value (ACV) semasa kenderaan tersebut. Apa yang menariknya di sini, setiap negeri memberikan nilai yang berbeza untuk kerugian yang dianggap sebagai total loss. Setiap negeri mengguna pakai kaedah yang unik dan berbeza untuk menentukan jumlah kerugian total loss. Sebagai contoh, sesetengah negeri menggunakan kaedah Total Loss Formula TLF. Ini bermakna, kenderaan anda itu akan dianggap total loss sekiranya kos untuk membaik pulih kereta tersebut melebihi ACV kereta tersebut. Ada juga beberapa buah negeri yang menggunakan kaedah Total Loss Threshold\u2019(TLT). Dalam kes ini, kerosakan pada kenderaan hanya perlu lebih besar daripada peratusan yang ditentukan berdasarkan nilai anggaran yang dirasakan sesuai untuk kereta tersebut dianggap total loss.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nApa Yang Akan Terjadi Kepada Kenderaan Yang Diisytiharkan Total Loss?\n\n\nSekiranya kereta anda diisytiharkan sebagai total loss, dan anda bersetuju dengan penilaian ini, anda boleh memilih untuk menyimpan atau menyerahkan kereta tersebut kepada syarikat insurans anda. Jika anda memilih untuk menyimpan kenderaan tersebut, \nsyarikat insurans\n akan memberikan bayaran yang lebih rendah daripada yang sepatutnya. Tambahan pula, kalau anda yakin bahawa kereta anda itu tidak mengalami total loss. anda boleh meminta pelaras menilai semula kereta anda itu berpandukan bukti-bukti yang ada. Untuk kes yang lebih ekstrim lagi, sekiranya anda masih tidak berpuas hati, anda boleh mendapatkan khidmat peguam untuk menyokong tuntutan anda. Sebelum anda menerima bayaran, jika kenderaan anda adalah total loss, nilai tunai sebenar kenderaan anda akan ditentukan terlebih dahulu. ACV dan juga faktor-faktor lain seperti keadaan kenderaan dan sebagainya akan dikira. Setelah itu, nilai ini akan diberikan oleh pihak insurans kepada anda. Sekiranya anda bersetuju dengan dengan nilai yang ditawarkan itu, anda akan dibayar dengan segera.\n\n\nNah! Sekarang anda sudah pun tahu tentang apa yang perlu diketahui mengenai total loss dalam \ninsurans kereta\n.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nTags:\nInsurans Kereta\nTotal Loss\nTotal Loss Formula (TLF)\nTotal Loss Threshold (TLT)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/07/why-is-renewing-auto-insurance-on-time-important/", "title": "Why Is Renewing Auto Insurance On Time Important?", "body": "Your \nauto insurance\n policy is not a lifetime policy, and it comes with an expiry date. Most policies come with a 12 months validity. Therefore, to keep your insurance policy valid, you have to renew the policy before it expires. But why is it essential to \nrenew your auto insurance\n on time? Read on to know more.\n\n\nThe Significance Of Renewing Your Auto Insurance On Time\n\n\nAs the common saying goes, \u201cIt is of no use crying over spilled milk.\u201d Most people don\u2019t either buy auto insurance policies or don\u2019t bother renewing them when it expires. Thus, when an \naccident happens\n, they end up with a big financial mess. Renewing your \nauto insurance\n is essential and should be taken seriously. Simply buying the policy once is not enough. Keep renewing the policy and do not lose sight of the expiry date.\n\n\nNon-renewal Of Auto Insurance Is Illegal\n\n\nDriving around the street with an expired auto insurance policy is the same as driving around with no policy at all when it comes to legal matters. And if you manage to attract the attention of \npolice officers\n, he isn\u2019t going to ask you if you had a policy; he is going to ask if you have one. Failure to produce one will attract stiff penalties as an expired policy is synonymous with lack of \ninsurance\n. To make matters even more terrible, if you are involved in an accident and your car gets damaged, you must brace yourself for a major financial crisis.\n\n\nZero Protection\n\n\nYour auto insurance policy protects you and your car against any financial liability as a result of an accident. Auto insurance also proves to be helpful if you get injured by somebody, or your vehicle gets damaged by another car. Thus, it guarantees freedom from every financial commitment. On the off chance that your vehicle insurance policy expires, all the protection likewise stops, rendering you financially powerless in such situations.\n\n\nProspect Of Inspection\n\n\nIf you wait for your auto insurance policy to expire before renewing it, then you also face the prospect of your car passing through the time-consuming process of inspection before a new policy can be issued in your name. For this to happen, an official would visit your home, carrying out a thorough examination of your vehicle. Based on the report of the assessment, a new policy is issued. These processes are tedious, time-consuming, and inconvenient.\n\n\nHigh Premium\n\n\nWhenever you want to renew your \nauto insurance policy\n, your insurance company will ask you whether your earlier policy has expired or not. It is mainly to determine your new premium. If you\u2019re the type that renews your policy before it expires, you can quickly get lower \npremiums\n. But, if you wait to renew after the policy\u2019s expiration, you probably would be charged a higher premium.\n\n\nLoss of No Claim Bonus\n\n\nInsurers give a \nNo Claim Bonus\n (NCB) as a bonus for safe driving. If you manage not to make any \nclaim\n throughout the policy year, you get an NCB during subsequent renewal. It can be accrued over the years, and it can rise to 50% of your total pay for not \nmaking any claim\n for five successive years. However, a discount will be given if your \nauto insurance policy\n is renewed on time.\n\n\nFinal Thought\n\n\nThe quick renewal of your auto insurance is vital because of legal and financial implications. So, be very fast with the renewal of your auto insurance.\n\n\n\n\nTags:\nInsurance Premiums\nNo Claim Bonus (NCB)\nRenewal Discount\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/12/07/langkah-langkah-penting-semasa-mengemukakan-tuntutan-insurans-kereta/", "title": "Langkah-langkah Penting Semasa Mengemukakan Tuntutan Insurans Kereta", "body": "\n\nMengikut statistik, pemandu yang paling berhati-hati pun akan terlibat dalam kemalangan kenderaan sekurang-kurangnya sekali dalam sejarah pemanduan mereka. Adakah anda tahu apa yang perlu dilakukan sekiranya berlaku kejadian buruk? Kesalahan apa yang harus anda hindari dalam proses mengemukakan \ntuntutan insurans\n kenderaan anda? Teruskan menonton untuk mengetahui maklumat tentang ini danncd banyak lagi!\n\n\nHai! Saya Yuna duta jenama Fincrew, dan dalam video ini saya akan menunjukkan kepada anda bagaimana untuk berjaya dalam proses mengemukakan \ntuntutan insurans\n untuk kenderaan anda! Adakah anda ingin berjimat dalam \ninsurans kenderaan\n? Jadi, anda tidak boleh ketinggalan walau satu video dalam siri Video Insurans360 kami! Cukup sekadar klik butang \u2018Subscribe\u2019 dan aktifkan notifikasi supaya anda dapat menonton semua video terdahulu dan mengakses video akan datang dari kami sebaik sahaja ia dimuat naik! Sekarang, sudah selesai semuanya, mari kita mulakan.\n\n\nHari ini di negara ini, anda boleh menuntut salah satu daripada dua \njenis insurans\n ini. Anda boleh mengemukakan Tuntutan Kerosakan Sendiri atau tuntutan Pihak Ketiga bergantung pada jenis kemalangan. Berikut merupakan penerangan ringkas bagaimana anda boleh mengemukakan tuntutan tersebut!\n\n\nTuntutan Insurans Kerosakan Sendiri\n\n\nPenting untuk diingatkan bahawa anda tidak boleh mengemukakan tuntutan ini terhadap mana-mana sahaja \npelindungan insurans kenderaan\n. Anda mesti memiliki polisi insurans kenderaan komprehensif sekiranya kemalangan tersebut berlaku bukan diakibatkan oleh anda. Tapi, anda mungkin akan kehilangan hak istimewa \nDiskaun Tanpa Tuntutan (NCD)\n. Berikut merupakan cara bagaimana proses ini berjalan. Pertama, anda perlu:\n\n\nHubungi Syarikat Insurans Anda\n\n\nLebih cepat anda lakukannya, lebih baik. Ini kerana mereka bertanggungjawab untuk memberitahu anda langkah-langkah seterusnya yang perlu anda ambil termasuk bengkel mana harus anda bawa kenderaan anda itu untuk dibaiki. Lebih cepat anda lakukannya, lebih cepat kenderaan anda itu bakal kembali ke jalan raya.\n\n\nFailkan Laporan Polis\n\n\nLangkah ini sangat penting dan anda perlu peka dengan masa. Anda akan didenda sekiranya tidak melakukannya semasa diminta! Pastikan anda menghubungi polis selewat-lewatnya dalam tempoh 24 jam setelah kemalangan berlaku!\n\n\nDokumenkan Kemalangan Tersebut\n\n\nAmbil bukti fotografi semua kenderaan yang terlibat dalam kemalangan, kumpulkan maklumat lesen, perincian plat kenderaan, dan semua maklumat lain yang berkaitan.\n\n\nSediakan Dokumen Berkaitan\n\n\nDi bengkel yang telah ditentukan, anda akan diminta untuk melampirkan dokumen tertentu. Sebahagiannya merangkumi salinan asli laporan polis dan laporan penyiasatan anda, borang tuntutan daripada \nsyarikat insurans\n anda, bil pembaikan, kad pengenalan anda dan pihak ketiga. Anda juga akan diminta untuk menyerahkan dokumen yang sama kepada \nsyarikat insurans\n anda dan juga entiti lain yang diperlukan.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nTuntutan Insurans Pihak Ketiga\n\n\nSetelah anda membuat laporan polis dalam tempoh 24 jam, anda juga mesti:\n\n\nMenyediakan Dokumen Yang Diperlukan Untuk Tuntutan Pihak Ketiga\n\n\nSecara asasnya, ia merangkumi dokumen seperti gambar kenderaan anda yang rosak, plat lesen, dan nombor plat kereta.\n\n\nPindahkan Kenderaan Anda Ke Bengkel Insurans Pihak Ketiga\n\n\nLangkah ini juga sangat menitik beratkan soal masa. Pastikan anda memindahkan kenderaan anda ke bengkel pembaikan pihak ketiga yang ditetapkan sebaik sahaja kemalangan berlaku dengan secepat mungkin.\n\n\nDapatkan \u2018Adjuster\u2019 Bebrlesen Untuk Menilai Kerugian\n\n\nAnda juga perlu membawa \u2018adjuster\u2019 berlesen untuk membantu anda menilai kos pembaikan dan Pampasan untuk Waktu Pembaikan yang Dinilai atau CART.\n\n\nKumpulkan Semua Dokumen Yang Berkaitan\n\n\nFail-fail ini merangkumi item asal seperti salinan asal laporan polis dan laporan penyiasatan anda, borang tuntutan dari \nsyarikat insurans\n anda, bil pembaikan, kad pengenalan anda dan juga pihak ketiga serta laporan keputusan yang diberikan polis kepada anda.\n\n\nDengan ini, anda boleh mengemukakan tuntutan ganti rugi khas dan am untuk menampung semua perbelanjaan akibat kemalangan tersebut. Sekiranya anda ingin menonton lebih banyak lagi video bermanfaat seperti ini, jangan lupa untuk \u2018Like\u2019 video ini \u2018Subscribe\u2019 dan aktifkan notifikasi. Jadi anda akan dapat menonton video akan datang kami dengan segera! Terima kasih kerana menonton!\n\n\nTags:\nAdjuster\nCART (Compensation for Assessed Repair Time)\nInsurans Pihak Ketiga\nTuntutan Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/05/23/how-do-insurance-companies-handle-hit-and-run/", "title": "How Do Insurance Companies Handle Hit And Run?", "body": "Finding yourself to be a hit and run victim is always stressful. A \nhit and run\n situation can vary from an unpleasant one, like somebody hitting your parked car and leaving the scene, to accidents that involve injuries and death. It\u2019s vital to prepare yourself for these situations since you never know when they might occur. Here is a guide to how the \ninsurance\n companies handle \nhit and run\n.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat You Should Know About Hit And Run\n\n\nThese are accidents that involve vehicles where the culprit that causes the accident leaves the scene without being identified. It might be that they got scared, or they already have law problems, and they are running from the police. Whatever the reason, victims end up with vehicle damage or worse. It\u2019s vital to act immediately and memorize the car\u2019s license plate number. If it\u2019s possible, write it down right away, so you don\u2019t forget it. Here is what you do when you are a hit and run victim:\n\n\n\n\nFile a police report. The law requires doing this in max 24 hours from the accident. Provide the police the license plate number you wrote down (if possible) and other evidence you might have.\n\n\nCall the \ninsurance provider\n. It\u2019s vital to consult with a professional to consider the next steps that are best for you and the company. It\u2019s vital to look for potential evidence at the scene. You might ask eyewitnesses to back up your story or look for security footage on nearby properties. It can play an important role in finding the culprit but also help if they try to turn the story and claim you are to blame for the accident.\n\n\n\n\nWhat To Do If You Have The Vehicle Registration Number?\n\n\nThat simplifies things, especially if you want to involve the police. If there are significant damages or injuries, the experts advise filing a police report immediately. Some cases even require you to call the police and wait for them at the scene. Now, you have several options if a hit and run occurs:\n\n\n\n\nPay for the damage \u2013 it might be a smart decision with minor damage cases. When it comes to \ninsurance companies\n, don\u2019t forget to consider the no-claim discount. It ensures a lower price when renewing your policy. If you estimate that the \nNo Claim Discount (NCD)\n is higher than the potential damage, it might be smart to pay yourself.\n\n\nFile a claim against the \ninsurance provider\n \u2013 the next option is to \nfile an insurance claim\n. That means the insurance company will pay for the damage (as long as you are the victim). However, you won\u2019t be eligible for a no-claim discount next time you renew the contract.\n\n\nAsk the other party to compensate \u2013 it\u2019s more of a request than a plea because you file a police report and an \ninsurance claim\n. However, you request the other party to pay for the damage. It allows you to keep your no-claim discount and not pay for your own damages.\n\n\n\n\nJoin Fincrew Official Youtube Channel\n\n\nHowever, this is only an option if you have the culprit\u2019s license plate number. If they don\u2019t have valid insurance, you might request them to pay for the damage themselves. However, these processes often end up lasting for months. If you don\u2019t have the registration number, you might look for properties with cameras that are close to the accident scene. Ask the owners for the video as it can help identify the potential culprit. The police will conduct the investigation themselves, but it\u2019s a question of how successful it will be. It helps if you have an own damage claim within your \ninsurance policy\n. That allows you to file a claim, but please note you can\u2019t use the \nNo Claim Discount (NCD)\n anymore.\n\n\nTags:\nHit And Run\nInsurance Policy\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/15/apakah-perbezaan-pelindungan-pihak-pertama-dan-pelindungan-pihak-ketiga/", "title": "Apakah Perbezaan Pelindungan Pihak Pertama Dan Pelindungan Pihak Ketiga", "body": "Bagi pemilik-pemilik kenderaan bermotor di Malaysia, anda pasti sudah biasa mendengar tentang pelindungan \u2018first party\u2019 (pihak pertama) dan juga \u2018third party\u2019 (pihak ketiga). Anda pasti sedar bahawa harga premium untuk kedua-dua jenis pelindungan ini adalah berbeza-beza. Jadi, tentu dari segi khidmat yang diberikan juga adalah berbeza. Tetapi tahukah anda apakah \nperbezaan di antara dua jenis pelindungan\n ini?\n\n\nPerbezaan Lain Di Antara Dua Jenis Pelindungan Ini\n\n\n1. Kerugian\n\n\nSecara umumnya, \npelindungan pihak pertama\n akan menanggung hampir kesemua kerugian yang di alami oleh kereta anda sekiranya berlaku kemalangan tidak kiralah anda yang melanggar orang itu, atau anda yang dilanggar. Jika anda yang dilanggar, anda boleh membuat tuntutan pihak ketiga kecuali untuk kes langgar lari. Anda juga masih boleh membuat tuntutan \nsekiranya kemalangan tersebut berlaku\n disebabkan kecuaian anda sendiri. Contohnya kemalangan tersebut berlaku disebabkan anda tertidur atau sedang menggunakan telefon bimbit. \nPelindungan pihak ketiga\n pula merupakan, pelindungan yang paling asas yang wajib diambil oleh setiap kenderaan di Malaysia. Tetapi \npelindungan pihak ketiga\n ini cuma akan menanggung kos kerugian yang dialami oleh pihak lain di dalam kemalangan tersebut. Katakanlah anda mengalami kemalangan, kos baik pulih yang dialami oleh pihak satu lagi akan ditanggung oleh \nsyarikat insurans anda\n. Untuk kerugian yang anda alami pula, anda harus mengeluarkan duit poket anda sendiri.\n\n\n2. Trak Tunda / Road Assistance\n\n\nUntuk \npelindungan pihak pertama\n, syarikat insurans akan memberikan pelindungan kepada anda sekiranya anda kenderaan anda rosak akibat kemalangan atau pun mengalami masalah enjin dan juga tayar. Mereka akan menghantar bantuan trak tunda atau \u2018road assistance\u2019 ke lokasi kejadian untuk membantu menyelesaikan masalah anda. Semua kos baik pulih serta upah trak tunda ini akan ditanggung sepenuhnya oleh \npolisi insurans\n anda. Tetapi bagi pelindungan pihak ketiga pula, pemilik insurans tidak akan menerima manfaat seperti ini. Sekiranya berlaku kemalangan atau kerosakan, segala kos untuk mengupah trak tunda atau kos baik pulih, perlu ditanggung sendiri oleh pemilik polisi. Tetapi ada juga sesetengah \nsyarikat insurans\n yang menawarkan khidmat trak tunda kepada pemilik polisi pelindungan pihak ketiga. Namun begitu, pemilik polisi masih perlu membuat bayaran tertentu.\n\n\nAda juga yang memberikan manfaat servis trak tunda dengan syarat pemilik insurans perlu melanggan polisi \u2018Driver Passenger Accident\u2019. Apa-apa pun, anda boleh merujuk terus kepada syarikat insurans untuk mendapatkan kepastian tentang manfaat ini.\n\n\n3. Pelindungan Tambahan\n\n\nPolisi \ninsurans kenderaan\n pihak pertama memberikan pelindungan yang lebih menyeluruh kepada pemegang polisi. Sebagai contoh, mereka yang mengambil polisi insurans pihak pertama boleh memohon \npelindungan tambahan\n daripada banjir, rusuhan, cermin hadapan dan banyak lagi. Untuk pemegang polisi pelindungan pihak ketiga pula, pelindungan yang diberikan adalah terhad. Sebagai contoh, untuk kes banjir dan juga kerosakan cermin kenderaan, pemilik tidak boleh membuat tuntutan kepada syarikat insurans. Ini bermakna segala kos perlu ditanggung sendiri oleh pemilik kenderaan. Disebabkan oleh perbezaan ini, anda akan mendapati insurans pihak ketiga lebih murah berbanding dengan insurans pihak pertama. Tetapi dari segi pelindungan yang ditawarkan, tentulah polisi insurans pertama lebih baik. Terdapat satu lagi jenis pelindungan insurans kenderaan yang ada di Malaysia iaitu pelindungan \ninsurans kenderaan komprehensif\n yang menawarkan pelindungan paling menyeluruh kepada pemilik kenderaan.\n\n\nUntuk mendapatkan maklumat lanjut, anda boleh terus ke laman web \nFincrew\n yang memberikan peluang kepada anda mencari polisi insurans terbaik mengikut kemampuan anda. Seperti yang kita semua sedia maklum, kos untuk membaik pulih kenderaan adalah tinggi. Jadi, tidak salah untuk melabur lebih bagi menjamin kewangan anda di masa hadapan.\n\n\nTags:\nPelindungan Pihak Ketiga\nPelindungan Pihak Pertama\nPelindungan Tambahan\nPolisi Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/11/04/car-insurance-for-taxi-drivers/", "title": "Car Insurance For Taxi Drivers", "body": "Do you want to be a taxi driver or find ways to bolster and add to your income by using your car for e-hailing services? You\u2019re all prepared for the intrigue, the uneven tips, and the exciting conversations. Though your license is all squared away, you\u2019re concerned about the proper insurance you need. Whether you\u2019re a commercial taxi driver or an e-hailing driver, you need to carefully note the best \ncar insurance\n coverage\n that will suit your needs. I am sure you wouldn\u2019t want to be surprised by a rejected claim after an incident.\n\n\nWhat Is Taxi Insurance?\n\n\nTaxi insurance\n is a specialist vehicle insurance policy designed to cover cars used for commercial hire. As a taxi driver, you are required by the law to have \ntaxi insurance\n for you and your vehicle, so comprehensive insurance is crucial to protect your livelihood.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat Does Taxi Insurance Cover?\n\n\nJust like every other regular \ninsurance\n, taxi insurance policy varies between policies and providers. However, the main features often remain the same, except for some specific taxi add-ons. Taxi insurance is intended to cover cars used as a taxi for public and private hire cars. So if you\u2019re an experienced taxi driver or Uber driver, taxi insurance will keep you protected. However, for e-hailing services such as Uber or Grab, you should note that your \npersonal insurance\n doesn\u2019t stand in for taxi insurance.\n\n\nThree main types of \nvehicle insurance\n available in Malaysia, and these coverage are the same for taxi insurance. Third-Party cover is the minimum required by law and covers all third party liabilities. There is \nThird Party\n, Fire & Theft, which provides the same protection as Third Party but with the addition of fire and theft cover. The final cover is Comprehensive Insurance; this offers the same cover as Third Party, Fire & Theft, but includes protection for you and your vehicle. Thus providing the most comprehensive level of coverage.\n\n\nDo Personal Insurance Policy Covers Grab Or Uber Drivers?\n\n\nWhether \u2018comprehensive\u2019 or \u2018third party,\u2019 all personal \ncar insurance policy\n does not cover happenings that occur during commercial activities. This mainly implies that if you are using your vehicle to generate income either by driving for Grab or other similar services, you can\u2019t make a claim if an accident occurs during the trip. Someone might be thinking of filing a false claim since your insurer is not at the accident scene. Well, an essential piece of advice for such a person: Trying to file false claims with your \ncar insurance\n provider is a big NO as it can land you in serious trouble. Recall that you must first lodge a police report before \nmaking a claim from your car insurance policy\n. So if you make false claims in your account, such as saying that you were driving your car for personal reasons when you were not, you can probably be fined, jailed \u2013 or both! So think twice before making a false claim.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhat Are The Insurance Options For Grab Or Uber Drivers?\n\n\nThe coverage options for an e-hailing driver right now is somewhat limited. There is a considerable gap between the companies\u2019 coverage; for instance, Grab usually only provides \npersonal accident insurance\n and conventional private \ncar insurance\n. However, several \ninsurance companies\n do offer better insurance add-ons for an e-hailing driver. So you definitely need to get an e-hailing add-on for your own protection.\n\n\nTags:\nGrab\nTaxi Insurance\nThird-Party Coverage\nUber\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/05/25/car-insurance-policy-price-for-young-drivers/", "title": "Car Insurance Policy Price For Young Drivers", "body": "We all know that having a valid \ncar insurance policy\n is mandatory in Malaysia. If you drive without one, you can pay a fine, and even bigger problems occur if an accident happens. If you are the vehicle\u2019s owner, you are the one who should sign a policy with the insurance company. Numerous factors determine the price that the driver pays for the insurance. The general rule is that \ncar insurance policy\n is high for young drivers, but why is that the case? In this article, we will reveal several reasons that might be behind the high cost of your car insurance policy.\n\n\nNo Information About The Type Of Driver You Are\n\n\nIf you are young, the odds are that you recently acquired your \ndriving license\n. It might be your first time dealing with that insurance agency, or it is the first \ncar insurance cover\n you ever sign. Whatever the reason, the provider doesn\u2019t have any information about the type of driver you are. That is why they employ the approach better safe than sorry. You might be a reckless driver who is irresponsible on the road, which increases the risk of an accident. Until they learn more about you, they will keep the \npolicy cost\n higher than usual. The good news is that the \ncar insurance\n policy price will reduce over time. However, you will need to show them you are a responsible driver, which means avoiding claims and accidents as much as possible.\n\n\nThe Statistics Don\u2019t Speak In Your Favor\n\n\nThe authorities are keeping track of the \naccidents and casualties on the road\n throughout Malaysia. Unfortunately, the statistics don\u2019t speak in favor of your drivers. The data shows that those who are young or recently obtained a driving license are at more risk of participating in a road accident than others. According to the reports, the Malaysian Government even considers increasing the minimum driving age. When it comes to \ncar insurance\n agencies, they look at the things from their angle. If there is a higher risk of an accident happening, the policy cost will be higher. That is why young drivers often pay more than their more experienced colleagues.\n\n\nYou Already Have A History Of Claims\n\n\nEven though you are a young driver, you might have participated in an accident already. That is why you \nfiled a claim to your insurance\n provider. It is also why you are now unable to take advantage of the no-claim bonus. You might need a while to prove to \ninsurance companies\n that you are a reliable driver. Filing a claim is a setback that you should avoid, especially in case of small damages that don\u2019t exceed the value of the \nno claim discount\n (NCD).\n\n\nWhat Else Could Increase The Cost Of Your Policy?\n\n\nHere are some other factors that could increase your policy\u2019s price:\n\n\n\n\nOld vehicle \u2013 your car might not have the latest safety features, and its components are old in general. That is why it is a risk on the road, and the insurance providers increase the premium cost for them.\n\n\nDriving around the city \u2013 the statistics indicate city roads are the ones where most accidents occur. If you are living in a big city, the odds are you will pay a higher insurance cost than usual.\n\n\nGender \u2013 once again, the \ninsurance providers\n turn to statistics. They say men participate in more accidents than women, which is why they are riskier on the roads. If you are a male, expect a higher policy cost than for females.\n\n\n\n\nThe price of your desired \ninsurance deal\n might also depend on chosen add-ons and many other factors. You can always ask for estimation from multiple companies to ensure you get the best possible deal.\n\n\nTags:\nCar Insurance Discounts\ninsurance\nInsurance Policy\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/09/12/%e8%bd%ae%e8%83%8e%e7%a0%b4%e6%8d%9f-%e4%bf%9d%e9%99%a9%e8%b5%94%e5%90%97/", "title": "\u8f6e\u80ce\u7834\u635f\uff0c\u4fdd\u9669\u8d54\u5417\uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\n\u8f6e\u80ce\n\u5bf9\u4e8e\u6c7d\u8f66\u6765\u8bf4\u662f\u975e\u5e38\u91cd\u8981\uff0c\u56e0\u4e3a\n\u8f6e\u80ce\n\u662f\u6c7d\u8f66\u6700\u7f3a\u4e00\u4e0d\u53ef\u7684\u914d\u5907\uff0c\u66f4\u662f\u80fd\u591f\u5f71\u54cd\u884c\u9a76\u8def\u4e0a\u7684\u5b89\u5168\u3002\u56e0\u6b64\u8f6e\u80ce\u5b89\u5168\u4e00\u76f4\u5907\u53d7\u5173\u6ce8\u3002\u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u56e0\u8f6e\u80ce\u800c\u53d1\u751f\u4e8b\u6545\u7684\u4e8b\u4ef6\u4e0d\u80dc\u679a\u4e3e\u3002\u6bd4\u5982\u8bf4\uff0c\u56e0\u7206\u80ce\u800c\u5bfc\u81f4\u65e0\u6cd5\u63a7\u5236\u6c7d\u8f66\u6240\u9020\u6210\u7684\u8f66\u7978\u3002\u90a3\u4e48\u4f60\u53ef\u80fd\u4f1a\u60f3\uff0c\u8f6e\u80ce\u635f\u574f\u662f\u5426\u80fd\u591f\u7406\u8d54\uff1f\u53c8\u6216\u8005\uff0c\u4f60\u8ba4\u4e3a\u4e70\u4e86\u7efc\u5408\u6027\u4fdd\u9669\uff0c\u5c31\u4e00\u5b9a\u53ef\u4ee5\u7406\u8d54\u3002\u8fd9\u53ef\u4e0d\u4e00\u5b9a\uff01\u4e00\u822c\u4e0a\uff0c\n\u4fdd\u9669\u516c\u53f8\n\u5e76\u4e0d\u4f1a\u56e0\u4e3a\u8f6e\u80ce\u635f\u574f\u800c\u8fdb\u884c\u7406\u8d54\uff0c\u8fd9\u662f\u56e0\u4e3a\u8f6e\u80ce\u662f\u8f66\u4e0a\u78e8\u635f\u7387\u6700\u9ad8\u7684\u96f6\u4ef6\u3002\u8f6e\u80ce\u7684\u7406\u8d54\u4e00\u76f4\u5904\u4e8e\u6a21\u7cca\u7684\u5730\u5e26\uff0c\u6240\u4ee5\u4eca\u5929\u6211\u4eec\u5c06\u4f1a\u4e3a\u5927\u5bb6\u5206\u6790\u51e0\u4e2a\u4e0d\u540c\u7684\u4e2a\u6848\u3002\n\n\n\u7b2c\u4e00\u3001\u56e0\u5077\u7a83\u6216\u84c4\u610f\u88ab\u4ed6\u4eba\u7834\u574f\u7684\u8f6e\u80ce\u3002\n\n\n\u5982\u679c\u4f60\u662f\u6709\u8d2d\u4e702\u53f7\u4fdd\u9669\uff08\nThird Party\n, Theft and Fire Car Insurance\uff09\u548c\u7efc\u5408\u6027\u4fdd\u9669\uff08comprehensive car Insurance\uff09\uff0c\n\u4fdd\u9669\u516c\u53f8\n\u4f1a\u4f9d\u636e\u4f60\u7684\u4fdd\u9669\u7684\u8986\u76d6\u8303\u56f4\u7406\u8d54\u3002\u5982\u679c\u4f60\u6ca1\u6709\u8d2d\u4e70\u4ee5\u4e0a\u4efb\u4f55\u4fdd\u9669\u7c7b\u578b\uff0c\u4f60\u5f88\u6709\u53ef\u80fd\u5c31\u5f97\u81ea\u884c\u8d1f\u8d23\u3002\n\n\n\u7b2c\u4e8c\u3001\u56e0\u78e8\u635f\u800c\u78e8\u5e73\u8f6e\u80ce\n\n\n\u4fdd\u9669\u516c\u53f8\u5e76\u4e0d\u4f1a\u56e0\u78e8\u635f\u800c\u78e8\u5e73\u8f6e\u80ce\u8fdb\u884c\u7406\u8d54\u3002 \u4f60\u9700\u8981\u81ea\u4ed8\u4ee5\u53ca\u66f4\u6362\u65b0\u8f6e\u80ce\u3002\n\n\n\u7b2c\u4e09\u3001\u56e0\u4e8b\u6545\u9020\u6210\u8f6e\u80ce\u7834\u635f\n\n\n\u5982\u679c\u8f6e\u80ce\u548c\u8f66\u8eab\u4e00\u8d77\u7834\u635f\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4f9d\u636e\u8d2d\u4e70\u8f66\u7684\u9669\u8fdb\u884c\u7406\u8d54\u3002\u4f46\u662f\u5982\u679c\u53ea\u662f\u8f6e\u80ce\u7834\u635f\uff0c\u4e00\u822c\u4fdd\u9669\u516c\u53f8\u5e76\u4e0d\u4f1a\u7406\u8d54\u3002\u603b\u4e4b\uff0c\u5728\u6211\u4eec\u8d2d\u4e70\u4efb\u4f55\u6c7d\u8f66\u4fdd\u9669\u524d\uff0c\u4e00\u5b9a\u8981\u7559\u610f\u4fdd\u9669\u7684\u8986\u76d6\u8303\u56f4\u548c\u514d\u8d54\u6b3e\u4e8b\u9879\u3002\u5e0c\u671b\u901a\u8fc7\u4eca\u5929\u7684\u89c6\u9891\uff0c\u4f60\u5df2\u7ecf\u4e86\u89e3\u66f4\u591a\u8f66\u9669\u7684\u54a8\u8be2\u3002\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\n\n\n\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\nComprehensive Coverage\nThird Party Insurance\n\u4fdd\u9669\u516c\u53f8\n\u8f6e\u80ce\u7834\u635f\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/12/21/travel-insurance-for-local-travel/", "title": "Travel Insurance For Local Travel", "body": "In many countries, \ntravel insurance\n is required as a travel condition, so it becomes more or less necessary when traveling abroad. How about a vacation in Malaysia? Here is a look at how domestic travel insurance in Malaysia works.\n\n\n\n\nIs Domestic Travel Insurance Worth The Cost?\n\n\nNo matter where you are going, you start to imagine beautiful experiences, but in reality, sometimes things can become complex and unwanted. Not only does travel insurance cover you, but it also covers your belongings. A domestic travel insurance policy can be a good investment if you paid a great deal for that incredible trip, rented a vehicle, or brought expensive sporting equipment along. However, if you have a budget airfare and cheap accommodations or take a last-minute, inexpensive trip, you probably won\u2019t need domestic travel insurance. In some cases, domestic travel insurance is essential, for example:\n\n\nCoverage Against Natural Disasters\n\n\nNatural disasters are covered by most travel insurance policies both internationally and domestically. It varies significantly from insurer to insurer, so check with them to determine if you can file.\n\n\nTrip Cancellation\n\n\nTo avoid unnecessary hassles, most people now book their tickets, hotels, and taxis in advance. In the event of sickness or unavoidable circumstances, travel insurance provides a refund of your trip costs. Nevertheless, travel insurance does not always cover cancellations and delays. It depends on what led to the delay or cancellation. Travel insurance covers most cases when they aren\u2019t the travel provider\u2019s fault, such as natural disasters. In our domestic policies review, most travel insurers did not cover cancellations caused by the transport provider, like your airline, unless they resulted from a stroke. Domestic airlines provide compensation for travel, accommodations, and meals if the airline is at fault for the cancellation or delay.\n\n\nBaggage Loss\n\n\nLosing luggage on a domestic flight is just as likely as on an international flight. You can protect yourself with an \ninsurance\n policy. In most cases, domestic travel insurance covers your baggage, except for some guidelines that only cover cancellations. Nevertheless, before you make your choice based entirely on the baggage cover, you should check to make sure that you do not already have \u2018portable contents\u2019 insurance for specified items under your homeowner\u2019s policy. Especially when it comes to covering an expensive item that you take out of the house from time to time, such as a smartphone, a laptop, or a camera, it is essential to make sure you\u2019re covered at all times. Moreover, domestic travel insurance policies typically exclude stating that they will not cover you if another \ninsurance\n plan has already covered you.\n\n\nA Medical Emergency\n\n\nA domestic travel insurance policy also provides coverage for medical treatment, evacuations, and \npersonal accidents\n.\n\n\nTypical Exclusions\n\n\nYou will find that domestic \ntravel insurance\n carries many of the usual exclusions if you travel internationally frequently. Medical conditions are among the most common exclusions. If you cannot travel due to such conditions, you can often exclude them from your \ntravel insurance\n unless you have declared them in advance and perhaps paid an additional premium. Similarly, \ninsurance companies\n may raise your premiums or stop offering you coverage entirely as you get older.\n\n\nLiability Cover\n\n\nMost \ndomestic travel insurance\n policies will cover you if you accidentally injure someone or damage or lose their property. You will also be covered for this by your home \ncontents insurance\n, and your \ndomestic travel insurance\n will not cover liabilities covered under your other policies.\n\n\n\n\nTags:\nBaggage Loss\nDomestic Travel Insurance\nLiability Cover\nNatural Disasters\nTravel Insurance\nTrip Cancellation\nTypical Exclusions\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/22/calculating-trip-costs-for-trip-insurance/", "title": "Calculating Trip Costs For Trip Insurance", "body": "It is essential to calculate \ntrip costs\n correctly to \nchoose the best travel insurance plan\n. Your final trip price will play a role in determining the price of your project. Sometimes, travelers get confused when they hear \ntrip costs since\n they assume that includes all of their expenses. Nevertheless, \u201cinsurable\u201d trip costs are not the same as \u201ctotal\u201d costs.\n\n\nInsurable Trip Cost: What Does It Mean?\n\n\nThe only expenses you can add to a travel insurance policy are prepaid non-refundable ones. Therefore, you can only have \ninsurance coverage\n for the unrefunded prepaid costs in the event of a cancellation. These expenses include airfare, cruises, hotels, tours, and prepaid excursions. Most \ninsurance\n plans usually include tickets to events or theme park admissions. Tuition, class fees, and general expenses for business trips are also insured, but only through specific companies. As an example, here\u2019s what I mean.\n\n\n\n\nDave plans to visit Bermuda. Here are his expenses:\n\n\nRM800 for air travel\n\n\nHe must pay RM2,000 for the hotel (RM200 refundable in case he needs to cancel)\n\n\nThe cost of excursions is RM500\n\n\n\n\nThe total cost of Dave\u2019s expenses is RM3,300. Dave\u2019s insurable trip cost, however, is RM3,100. In this calculation, the RM200 refundable amount for the hotel is from the total fee (RM3,300). Therefore, there is no need to buy \ntrip protection\n for refundable expenses.\n\n\nHow Do I Calculate Trip Cost?\n\n\nThe process of calculating travel costs may not be as straightforward as we might expect. For instance, you can have insurance for expenses you do not have to pay before traveling but will have to pay if you cancel. When you insure your trip, you will be protecting against any monetary loss you would face if you have to cancel before departure. If you book your flight with frequent flyer miles, keep in mind that the cost of your travel insurance plan cannot apply to your miles. There may be \ninsurance coverage\n for government taxes and fees associated with the frequent flyer miles, but not for the actual miles/points. The \ncredit card\n company or airline will reimburse the points or miles. Trip costs determine the cost of \ntravel insurance plans and the benefit\n eligibility. You must insure 100 percent of your non-refundable prepaid expenses to be eligible for certain benefits. Remember that you can add trip costs after purchasing the plan. For example, you must purchase a travel insurance plan once you\u2019ve paid your first payment or booked your flights. As your departure date approaches, you can add these costs to your insured trip costs, but be aware that some benefit levels may increase due to those additions.\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nIs Trip Cost Calculated Per Person?\n\n\nBuying the correct \ntrip insurance\n depends on calculating how much each person paid for the trip. The insurance plan covers travelers for unused, non-refundable trip costs up to the lesser of their insurable trip costs. I\u2019ll give you another example.\n\n\nNancy and Bob are taking a trip and buying a travel protection plan. Bob pays RM1,000, and Nancy pays RM2,000. Possibly Nancy will be traveling alone without Bob. Having purchased \ntrip insurance\n, they can report their separate, insurable trip costs. Nancy should provide RM2,000 as her insurable trip cost, and Bob should provide RM1,000.\n\n\nHow Do You Calculate a Trip Cost For Groups?\n\n\nIt\u2019s possible to share reservations when \ntraveling as a couple or group\n. Sharing a room at a hotel or a rental house is an example of a shared booking. To pay for the shared reservation, the travelers must decide how they will split the cost. Each individual in the group should determine their share of the cost of their insurable trip if the group pays equally for the booking.\n\n\nDo You Have a Question About How To Calculate Your Trip Cost?\n\n\nIt\u2019s essential to calculate your insurable trip cost correctly. Please get in touch with us at Fincrew with any questions. We will help you sort through your expenses and determine the appropriate amount to purchase.\n\n\nTags:\nGroup Travel Insurance\nTravel Insurance\nTrip Cost\nTrip Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/23/learn-how-malaysia-road-tax-work-and-calculated/", "title": "Learn How Malaysia Road Tax Work And Calculated", "body": "Are you on the hunt for a Perodua Myvi, or would you like to renew your \nroad tax and insurance\n? Have you ever wondered how much \nroad tax\n you must pay? Have you ever wanted to know how \nMalaysian road taxes work\n? Malaysian drivers must pay different amounts of \nroad tax\n depending on their car\u2019s CC (also known as engine capacity)! Here, we will be discussing what road tax is, how it works and how to calculate it.\n\n\nMalaysian Road Tax: What It Is And How It Works\n\n\nTaxes collected by the government from vehicle owners are called road taxes. Automobile owners are required to have both \nroad tax and insurance\n. Generally, the larger the vehicle, the more charges are necessary. Road taxes are used to maintain the country\u2019s road network. The road tax cost depends on the type of vehicle, fuel used, the \nengine capacity\n, and if the car is used for \ncommercial\n or personal purposes. In East Malaysia, vehicles pay a smaller tax amount than in West Malaysia due to the differences in road conditions, amenities, and infrastructure.\n\n\nVehicles that are owned privately are classified as \u2018saloons .\u2019Sedans, hatchbacks, and convertibles are classified as \u2018saloon\u2019 vehicles in the automotive industry. \u2018Non-saloon\u2019 cars, on the other hand, include MPVs, SUVs, and pickup trucks. A saloon vehicle has a different road tax price from a non-saloon vehicle. Also, for the same engine displacement, \u2018Company-Registered Saloons\u2019 will pay a higher amount than \u2018Private Saloons.\u2019 Cars that are not classified as saloons are subject to a different rule. So Following this concern, we need to determine how much Malaysian road tax costs.\n\n\n\n\nHow Do You Calculate Road Tax In Malaysia?\n\n\nAs an example, let\u2019s examine the \ncalculation of road tax\n for a Proton Perdana. The Proton Perdana 2.4L has a 2,354 CC engine.\n\n\nBase Rate\n\n\nUsing the West Malaysia Private Cars table, it falls between 2,001cc and 2,500cc. The base rate falls at RM380, as you can see below.\n\n\nProgressive Rate\n\n\nThe 2,354 CC should be subtracted from the 2,001 CC in the following table. Anything over 2,001 CC is RM1.00 per CC. Therefore, the progressive rate is calculated as follows:\n\n\n= 2,354cc \u2013 2,001cc\n\n= 353cc x RM1 (progressive rate)\n\n= RM353\n\n\nTotal Road Tax Amount\n\n\n= Base Rate + Total of progressive rates\n\n= RM380 + RM353\n\n= RM733\n\n\nNow you know how to calculate your road tax! As we said previously, paying your road tax on time is vital. There should be no delay in your road tax \nrenewal\n, or you will face serious consequences.\n\n\nRoad Tax for Private Cars In West Malaysia\n\n\n\n\n\n\n\n\nENGINE (CC)\n\n\nBASE RATE\n\n\nPROGRESSIVE RATES (PER CC)\n\n\nROAD TAX AMOUNT\n\n\n\n\n\n\n\n\n1,000 and below\n\n\n\n\nRM20\n\n\n\u2013\n\n\nRM20\n\n\n\n\n\n\n1,001 \u2013 1,200\n\n\nRM55\n\n\n\u2013\n\n\nRM55\n\n\n\n\n\n\n\n\n1,201 \u2013 1,400\n\n\n\n\nRM70\n\n\n\u2013\n\n\nRM70\n\n\n\n\n\n\n1,401 \u2013 1,600\n\n\nRM90\n\n\n\u2013\n\n\nRM90\n\n\n\n\n\n\n1,601 \u2013 1,800\n\n\nRM200\n\n\nRM0.40\n\n\nRM200 \u2013 RM280\n\n\n\n\n\n\n1,801 \u2013 2,000\n\n\nRM280\n\n\nRM0.50\n\n\nRM280 \u2013 RM380\n\n\n\n\n\n\n2,001 \u2013 2,500\n\n\nRM380\n\n\nRM1.00\n\n\nRM381 \u2013 RM880\n\n\n\n\n\n\n2,501 \u2013 3,000\n\n\nRM880\n\n\nRM2.50\n\n\nRM882 \u2013 RM2,130\n\n\n\n\n\n\n3,001 and above\n\n\nRM2,130\n\n\nRM4.00\n\n\nRM2,134 +\n\n\n\n\n\n\n\n\nRoad Tax For Private Cars In East Malaysia\n\n\n\n\n\n\n\n\nENGINE (CC)\n\n\nBASE RATE\n\n\nPROGRESSIVE RATES (PER CC)\n\n\nROAD TAX AMOUNT\n\n\n\n\n\n\n\n\n1,000 and below\n\n\n\n\nRM20\n\n\n\u2013\n\n\nRM20\n\n\n\n\n\n\n1,001 \u2013 1,200\n\n\nRM44\n\n\n\u2013\n\n\nRM44\n\n\n\n\n\n\n\n\n1,201 \u2013 1,400\n\n\n\n\nRM56\n\n\n\u2013\n\n\nRM56\n\n\n\n\n\n\n1,401 \u2013 1,600\n\n\nRM72\n\n\n\u2013\n\n\nRM72\n\n\n\n\n\n\n1,601 \u2013 1,800\n\n\nRM160\n\n\nRM0.32\n\n\nRM160 \u2013 RM224\n\n\n\n\n\n\n1,801 \u2013 2,000\n\n\nRM224\n\n\nRM0.25\n\n\nRM224 \u2013 RM274\n\n\n\n\n\n\n2,001 \u2013 2,500\n\n\nRM274\n\n\nRM0.50\n\n\nRM274 \u2013 RM524\n\n\n\n\n\n\n2,501 \u2013 3,000\n\n\nRM524\n\n\nRM1.00\n\n\nRM525 \u2013 RM1,024\n\n\n\n\n\n\n3,001 and above\n\n\nRM1,024\n\n\nRM1.35\n\n\nRM1,025+\n\n\n\n\n\n\n\n\nTags:\nMalaysia Road Tax\nRoad Tax\nWest Malaysia\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/07/how-to-create-an-estate-plan/", "title": "How To Create An Estate Plan", "body": "You are aware of the need to have an \nestate plan\n. When you do not prepare an \nestate plan\n, your survivors have difficulty settling your affairs. Regardless of your complex\u2019s size estate, it would be best if you planned in case of your death\n\n\nWhat Is Estate Planning?\n\n\nThe \nEstate Planning\n process involves determining who will inherit your assets and handle your responsibilities after your death or incapacity. The idea is to ensure that they distribute your assets to minimize estate taxes, gift taxes, income taxes, And other taxes. With \nEstate Planning\n, you can create a platform you can adjust as your \nfinancial\n and personal circumstances change. But, you should ask yourself: how would you like your assets distributed if you were incapacitated or dying? Have trouble getting started with the planning? By following this checklist, you will cover most, if not all, of your bases.\n\n\nInventories Should Be Itemized\n\n\nIt will help if you start by going through your home and making a list of all valuables. There are several examples of these assets: homes, televisions, vehicles, jewellery, lawn equipment, collectables, art And antiques, computers, and power equipment. You may discover that the list is much longer than you originally anticipated. It may be helpful to add notes as you go if someone suggests that you\u2019d like them to have the item after you pass away.\n\n\nPlan For The Needs Of Your Family\n\n\nKnowing what\u2019s in your estate is the first step in \nprotecting assets and your loved ones after you die\n. Next, you must have enough \nlife insurance\n \u2013 if you\u2019re wondering, \u201cHow much life insurance do I need?\u201d The answer will differ based on several factors, such as where you live, if you\u2019re married, and whether you are earning two incomes. Having a child with Special Needs or paying for college tuition could make life insurance even more crucial. When you \nwrite your will\n, you should appoint guardians for your children and a backup guardian. Then, your estate can benefit from avoiding costly family court battles that could drain its assets. If you don\u2019t envision certain family members being there to raise your children or understanding your child-rearing ideas or goals, document your wishes for their care. If the issue is in Court, do not assume that judge will comply with your wishes.\n\n\nMake A List Of Your Debts\n\n\nMake a separate list of \ncredit cards\n you have open and other obligations you may have. Include all your debts, such as auto \nloans\n, mortgages, and any other loans you may have. Please Include:\n\n\n\n\nThe account numbers.\n\n\nThe locations of the signed agreements.\n\n\nAddresses of the companies with which they owe a debt.\n\n\n\n\nInclude all your credit cards. Note which ones you use regularly and which ones you tend to leave unused.\n\n\nChoose An Estate Administrator Who Is Responsible\n\n\nAfter you die, your executor or estate administrator will be responsible for your will\u2019s Administration. Therefore, you should ensure they are accountable and have a good mental state when selecting someone for the position. If You Already Have A Spouse, Don\u2019t Assume They\u2019re The Best Choice. Instead, Consider How This Person\u2019s Decision-Making Capacity Will Be Affected By The Emotions Related To Your Death. If That Becomes Problematic, Seek Out Other Qualified Individuals.\n\n\nCreate A Will\n\n\nA will is a necessity for anyone over 18 years old. Your document determines how to distribute your assets, and it could prevent havoc among your heirs. Indicate a guardian in your will for your minor children and who will care for your pets. Donating assets to a good cause can also be one of your charitable intentions.\n\n\nTake care of your loved ones by planning your legacy today\n\n\nCreating a will\n is an affordable estate-planning document. Online services and other software packages can help you write your own choice. Your will should be signed and notarized by two witnesses not related to you. Ensure everyone knows where the document is to access it when needed.\n\n\nTags:\nEstate Plan\nOnline Will Writing\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/20/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9c%89%e5%8c%85%e6%8b%ac%e6%b1%bd%e8%bd%a6%e7%bb%b4%e4%bf%ae%e5%90%97/", "title": "\u6c7d\u8f66\u4fdd\u9669\u6709\u5305\u62ec\u6c7d\u8f66\u7ef4\u4fee\u5417\uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u666e\u901a\u7684\n\u6c7d\u8f66\u4fdd\u9669\n\u4e3b\u8981\u662f\u4fdd\u969c\u8f66\u4e3b\u5728\u53d1\u751f\u4ea4\u901a\u610f\u5916\u65f6\u7684\u6743\u76ca\u3002\u6240\u4ee5\u57fa\u672c\u4e0a\u4ed6\u4eec\u6240\u8d1f\u8d23\u7684\u7ef4\u4fee\u8303\u56f4\u53ea\u5305\u542b\u4e86\u56e0\u5929\u707e\u6216\u610f\u5916\u800c\u5bfc\u81f4\u7684\u635f\u574f\u3002\u81f3\u4e8e\u666e\u901a\u7684\u5b9a\u671f\u6216\u4e0d\u5b9a\u671f\n\u6c7d\u8f66\u7ef4\u4fee\n\u561b\uff0c\u662f\u4e0d\u5305\u542b\u5728\u5185\u7684\u54e6\uff01\u8fd9\u4e00\u5207\u4e5f\u90fd\u5fc5\u987b\u5728\u4fdd\u5355\u5185\u660e\u6587\u89c4\u5b9a\u7684\u4e8b\u6545\u5982\u649e\u8f66\u3001\u649e\u4eba\u3001\u649e\u52a8\u7269\u3001\u751a\u81f3\u662f\u6c34\u707e\u4e4b\u7c7b\u7684\u624d\u6709\u5305\u62ec\u5728\u5185\u3002\u4efb\u4f55\u6ca1\u6709\u5217\u660e\u7684\u4e8b\u6545\uff0c\u4e00\u5207\u90fd\u8981\u7ecf\u8fc7\u4fdd\u9669\u7406\u7b97\u5e08\u7684\u8c03\u67e5\u624d\u53ef\u4ee5\u786e\u8ba4\u7406\u8d54\u8303\u7574\u3002\n\n\n\u90a3\u65e2\u7136\u666e\u901a\u7684\n\u6c7d\u8f66\u7ef4\u4fee\n\u662f\u4e0d\u5305\u62ec\u5728\u8fd9\u4efd\n\u6c7d\u8f66\u4fdd\u9669\n\u7684\uff0c\u90a3\u6709\u4ec0\u4e48\u7c7b\u578b\u7684\u4fdd\u9669\u662f\u9488\u5bf9\u8fd9\u65b9\u9762\u7684\u9700\u6c42\u800c\u9762\u5e02\u7684\u5417\uff1f\u7684\u786e\u662f\u6709\u7684\u3002\u4f46\u662f\u8f66\u4e3b\u9700\u8981\u53e6\u52a0\u8d2d\u4e70\u3002\u7136\u800c\u6709\u4e9b\u8f66\u9669\u6709\u5305\u62ec\u6c7d\u8f66\u629b\u951a\u7684\u62d6\u8f66\u670d\u52a1\u3002\u867d\u7136\u8fd9\u4e00\u9879\u670d\u52a1\u4e0d\u9700\u7ecf\u7531\u610f\u5916\u624d\u80fd\u542f\u52a8\uff0c\u4f46\u670d\u52a1\u8303\u56f4\u901a\u5e38\u6709\u8ddd\u79bb\u9650\u5236\uff0c\u800c\u4e14\u4ec5\u5305\u542b\u62d6\u8f66\uff0c\u5e76\u6ca1\u6709\u5305\u542b\u4fee\u7406\u8d39\u7528\u3002\u4e5f\u5c31\u662f\u8bf4\u4f60\u7684\u6c7d\u8f66\u88ab\u62d6\u5230\u4fee\u8f66\u5382\u8fc7\u540e\uff0c\u7ef4\u4fee\u8d39\u7528\u8fd8\u662f\u8981\u81ea\u8d39\u7684\u3002\u901a\u5e38\u65b0\u8f66\u90fd\u6709\u4e00\u4e2a3\u52305\u5e74\u7684\u4fdd\u56fa\u671f\uff0c\u5728\u8fd9\u671f\u95f4\u6709\u4efb\u4f55\u975e\u4eba\u4e3a\u4e8b\u6545\u800c\u5f15\u8d77\u7684\u6bdb\u75c5\u90fd\u53ef\u4ee5\u83b7\u5f97\u514d\u8d39\u7ef4\u4fee\u3002\u4f46\u4e5f\u9700\u660e\u767d\u5176\u4e2d\u7684\u6761\u6b3e\uff0c\u672a\u5fc5\u6bcf\u4e00\u79cd\u90fd\u5217\u4e3a\u514d\u8d39\u7ef4\u4fee\u7684\u8303\u56f4\u5185\u3002\n\n\n\u90a3\u4e48\u8bdd\u8bf4\u56de\u6765\uff0c\u7279\u5b9a\u7684\u6c7d\u8f66\u4fdd\u4fee\u4fdd\u9669\u662f\u9700\u8981\u52a0\u8d2d\uff0c\u4ee3\u8868\u82b1\u66f4\u9ad8\u7684\u4fdd\u8d39\u3002\u5982\u679c\u8f66\u5b50\u8fc7\u4e86\u4fdd\u56fa\u671f\uff0c\u5c31\u53ef\u4ee5\u8003\u8651\u8fd9\u7c7b\u4fdd\u9669\uff0c\u5c24\u5176\u662f\u6c7d\u8f66\u96f6\u4ef6\u7279\u522b\u6602\u8d35\u7684\u6b27\u6d32\u8fdb\u53e3\u8f66\uff0c\u6362\u4e00\u4e2a\u5c0f\u5c0f\u7684\u96f6\u4ef6\u52a8\u8f84\u5c31\u51e0\u5343\u96f6\u5409\u7684\u8d39\u7528\uff0c\u7684\u786e\u53ef\u4ee5\u8003\u8651\u8d2d\u4e70\u8fd9\u4e2a\u4fdd\u9669\u7684\u3002\u8f66\u4e3b\u4eec\u9700\u8981\u81ea\u5df1\u6572\u4e00\u6572\u7b97\u76d8\uff0c\u770b\u770b\u4fdd\u8d39\u4e0e\u7ef4\u4fee\u8d39\u662f\u5426\u503c\u5f97\u3002\n\n\n\u5e0c\u671b\u6211\u4eec\u4eca\u5929\u7684\u89c6\u9891\u6559\u4f1a\u4f60\u4e00\u70b9\u70b9\uff0c \u8ba9\u4f60\u66f4\u61c2\u5f97\u8f66\u9669\u7684\u54a8\u8be2\uff01\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\n\u4fdd\u9669\n\u6c7d\u8f66\u4fdd\u9669\n\u6c7d\u8f66\u7ef4\u4fee\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/12/01/apa-yang-perlu-anda-lakukan-sekiranya-anda-mengalami-kemalangan/", "title": "Apa Yang Perlu Anda Lakukan Sekiranya Anda Mengalami Kemalangan", "body": "Kata orang, malang itu tidak berbau. Di saat kita memandu dengan berhari-hati dan berhemah pun, kita masih lagi berpotensi untuk terlibat dalam \nkemalangan\n. Jika berlaku \nkemalangan\n, kebanyakan pemandu selalunya akan berasa panik dan tidak tahu apa yang harus mereka lakukan. Jadi, setiap pemandu perlu bersedia dari segi mental dan mengetahui serba sedikit langkah-langkah yang perlu dilakukan sekiranya terpaksa berhadapan dengan situasi ini. Jika anda tahu apa yang perlu anda lakukan, sekurang-kurangnya ia akan mengurangkan rasa panik dalam diri dan memudahkan anda untuk mengambil tindakan yang sewajarnya. Berikut merupakan langkah-langkah yang perlu anda lakukan sekiranya terlibat dalam kemalangan jalan raya.\n\n\n1. Periksa Diri Dan Persekitaran\n\n\nPerkara pertama sekali yang perlu anda lakukan sekiranya terlibat dalam kemalangan adalah jangan panik dan periksa tubuh badan anda untuk melihat sekiranya anda mengalami sebarang kecederaan. Kemudian lihat persekitaran anda. Jika mampu, dan keadaan sekeliling anda selamat, cuba alihkan kenderaan anda ke kawasan yang lebih selamat dan buka \u2018hazard lamp\u2019. Jika kenderaan anda tidak boleh digerakkan ke tempat lain dan anda berada ditengah-tengah lebuh raya yang sibuk, keluar dari kenderaan dan tunggu di tempat yang selamat. Sekiranya anda tersekat di dalam kenderaan dan tidak dapat keluar dari kenderaan tersebut dan tunggu bantuan tiba. Perlu diingatkan, anda perlu berhati-hati dalam menerima bantuan pihak yang tidak dikenali. Ini kerana terdapat banyak kes, mangsa kemalangan menjadi mangsa khidmat trak tunda. Sebaiknya tunda sehingga rakan anda tiba atau hubungi saya khidmat \u2018road assistance\u2019 yang disediakan oleh \nsyarikat insurans\n anda. Jangan lupa untuk mencatat nombor pendaftaran trak tunda, nama pemandu dan juga nombor telefon pemandu trak tunda tersebut.\n\n\n2. Bertenang Dan Jangan Panik\n\n\nDalam keadaan ini, anda perlu cuba bertenang dan jangan panik. Untuk kes yang agak serius, telefon khidmat \u2018road assistance\u2019 bagi membantu anda. Terangkan situasi anda kepada mereka dan tunggu sehingga bantuan tiba. Untuk pengetahuan anda, khidmat \u2018road assistance\u2019 ini tidak terhad kepada kes-kes kemalangan sahaja. Ia turut menawarkan khidmat untuk membantu sekiranya kenderaan anda rosak atau pun tayar pancit. Mereka juga akan menghantar mekanik untuk membaiki kerosakan tersebut.\n\n\n3. Kumpulkan Bahan Bukti\n\n\nCatat masa serta lokasi di mana kemalangan tersebut berlaku. Ambil gambar kemalangan serta sebarang kerosakan yang dialami oleh kenderaan anda dan juga kenderaan lain yang terlibat. Dapatkan juga nombor telefon, nombor lesen memandu, nombor kenderaan tersebut, nombor plat kenderaan dan juga maklumat \nsyarikat insurans\n. Jangan sesekali mengaku sebagai punca kemalangan, bersetuju menyelesaikan kes dengan tawaran wang atau menandatangani apa-apa dokumen. Ini akan menyebabkan anda gagal untuk mendapatkan \ntuntutan insurans\n nanti.\n\n\n4. Buat Laporan Polis\n\n\nSegeralah pergi ke balai polis untuk melaporkan kejadian kemalangan tersebut. Pastikan laporan dibuat dalam tempoh kurang 24 jam setelah kemalangan berlaku, Jika tidak, anda boleh didenda.\n\n\n5. Hubungi Syarikat Insurans Anda\n\n\nSetelah itu, anda perlu segera menghubungi pihak \ninsurans\n anda bagi memulakan proses \nmembuat tuntutan\n kerugian. Anda perlu membuat memulakan proses tuntutan ini dalam masa 7 hari setelah kemalangan tersebut berlaku Jangan lupa untuk membawa bersama segala dokumen yang diperlukan seperti salinan laporan polis, salinan kad pengenalan, bukti kemalangan dan sebagainya. Kemudian anda boleh membawa kenderaan anda itu ke bengkel panel syarikat insurans tersebut untuk dibaiki. Mereka akan menilai kos kerosakan sebelum mempertimbangan bayaran pampasan yang akan diberikan kepada anda. Proses ini mungkin akan memakan masa terutamanya jika kerosakan yang dialami adalah serius. Jadi bersedia untuk mendahulukan duit anda untuk \nmenanggung kos kerosakan\n tersebut.\n\n\nUntuk mendapatkan pelan \ninsurans kenderaan\n terbaik, lawatilah laman web Fincrew.my. Ini bagi memastikan anda sentiasa dilindungi dari kejadian yang tidak diingini seperti di atas.\n\n\nTags:\nKemalangan Jalan Raya\nSyarikat Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/04/24/3%e6%ad%a5%e6%95%99%e4%bd%a0%e5%a6%82%e4%bd%95%e9%99%8d%e4%bd%8e%e8%bd%a6%e9%99%a9%e8%b4%b9%e7%94%a8%ef%bc%9f/", "title": "3\u6b65\u6559\u4f60\u5982\u4f55\u964d\u4f4e\u8f66\u9669\u8d39\u7528\uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u5373\u5c06\u8d2d\u4e70\u8f66\u6216\u662f\u5df2\u7ecf\u62e5\u6709\u8f66\u7684\u8f66\u4e3b\u90fd\u77e5\u9053\uff0c\u4e3a\u6c7d\u8f66\u6295\u4fdd\u662f\u4e00\u4ef6\u5fc5\u505a\u7684\u4e8b\u3002 \u53ea\u8981\u62e5\u6709\u8f66\uff0c\u4fdd\u9669\u8d39\u5c31\u662f\u6bcf\u5e74\u5fc5\u987b\u4ed8\u7684\u4e00\u7b14\u8d39\u7528\u3002\u8bb8\u591a\u4eba\u8ba4\u4e3a\uff0c 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\u65b0\u8f66\u7684\u4fdd\u9669\u8d39\u4e5f\u4f1a\u56e0\u4e3a\u54c1\u724c\u548c\u6b3e\u5f0f\u800c\u6709\u6240\u4e0d\u540c\u3002\u6bd4\u5982\u8bf4\uff0c\u4e00\u8f86SUV\u7684\u4fdd\u9669\u8d39\u53ef\u80fd\u4f1a\u6bd4\u5c0f\u578b\u8f7f\u8f66\u9ad8\u51fa\u5f88\u591a\u500d\uff1b\u53c8\u6216\u8005\u4e00\u4e9b\u4fdd\u9669\u516c\u53f8\u4f1a\u7ed9\u4e88\u6df7\u5408\u52a8\u529b\u8f66\uff0cHybrid car \u7684\u8f66\u4e3b\u4e00\u4e9b\u6298\u6263\u4ee5\u54cd\u5e94\u4fdd\u62a4\u73af\u5883\u7684\u6982\u5ff5\u3002\u56e0\u6b64\uff0c\u5728\u8d2d\u4e70\u8f66\u524d\uff0c\u4f60\u53ef\u4ee5\u5148\u8be2\u95ee\u5404\u5bb6\u4fdd\u9669\u516c\u53f8\uff0c\u4e0d\u540c\u7c7b\u578b\u6c7d\u8f66\u7684\u4fdd\u9669\u914d\u5957\u3002\n\n\n\u7b2c\u4e8c\uff0c\u7ef4\u6301\u826f\u597d\u7684\u4fe1\u7528\u8bb0\u5f55\n\n\n\u6240\u8c13\u7684\u4fe1\u7528\u8bb0\u5f55\u5c31\u662f\u6211\u4eec\u5e38\u8bf4\u7684credit score\u3002\u4f60\u662f\u4e0d\u662f\u5f88\u8bb6\u5f02\u4e3a\u4ec0\u4e48credit score \u4f1a\u4f5c\u4e3a\u4fdd\u9669\u516c\u53f8\u8861\u91cf\u4fdd\u9669\u8d39\u7684\u5176\u4e2d\u4e00\u79cd\u65b9\u6cd5\u5462\uff1f Michael Barry \u662f\u7f8e\u56fd\u4fdd\u9669\u7814\u7a76\u9662\u7684\u526f\u603b\u7ecf\u7406\uff0c\u4ed6\u66fe\u7ecf\u8bf4\u8fc7\uff0c\u867d\u7136\u5229\u7528\u4fe1\u7528\u8bb0\u5f55\u6765\u51b3\u5b9a\u4fdd\u9669\u8d39\u662f\u5177\u6709\u4e89\u8bae\u6027\u7684\u8bfe\u9898\uff0c\u4f46\u662f\u5927\u90e8\u5206\u7684\u4fdd\u9669\u516c\u53f8\u4f1a\u4ee5\u7814\u7a76\u62a5\u544a\u663e\u793a\uff0c\u4fe1\u7528\u8bb0\u5f55\u826f\u597d\u7684\u4eba\uff0c\u4e00\u822c\u5bf9\u81ea\u5df1\u7684\u751f\u6d3b\u8d1f\u8d23\uff0c\u90a3\u5c31\u4e0d\u592a\u53ef\u80fd\u7d22\u8d54\u3002Michael Barry\uff0c\u8fd9\u8bdd\u5bd3\u610f\u7740\u5982\u679c\u4f60\u5bf9\u751f\u6d3b\u8d1f\u8d23\uff0c\u4fbf\u4f1a\u5728\u516c\u8def\u4e0a\u884c\u9a76\u65f6\uff0c\u65f6\u523b\u6ce8\u610f\u5b89\u5168\uff0c\u4e8b\u6545\u53d1\u751f\u7387\u4e5f\u4f1a\u6bd4\u8f83\u4f4e\uff0c\u800c\u56e0\u7d22\u8d54\u7684\u673a\u7387\u4e5f\u6bd4\u8f83\u4f4e\u3002 \u52a0\u4e0a\uff0c\u4fe1\u7528\u8bb0\u5f55\u826f\u597d\u7684\u4eba\uff0c\u4e00\u822c\u90fd\u662f\u51c6\u65f6\u8fd8\u6b3e\u4e14\u8fd8\u6b3e\u80fd\u5229\u597d\uff0c\u4fdd\u9669\u516c\u53f8\u4e5f\u4e0d\u592a\u9700\u8981\u62c5\u5fc3\u7684\u4ed6\u4eec\u4ed8\u6b3e\u80fd\u529b\u3002\n\n\n\u7b2c\u4e09\uff0c\u67e5\u770b\u4e0d\u540c\u7684\u6298\u6263\n\n\n\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u90fd\u4f1a\u63d0\u4f9b\u4e0d\u540c\u7684\u4f18\u60e0\u914d\u5957\u53ca\u6298\u6263\u4ee5\u5438\u5f15\u66f4\u591a\u7684\u8f66\u4e3b\u8d2d\u4e70\u4ed6\u4eec\u7684\u4fdd\u9669\u914d\u5957\u3002\u56e0\u6b64\uff0c\u5728\u8be2\u95ee\u4fdd\u9669\u914d\u5957\u65f6\uff0c\u4e0d\u59a8\u95ee\u4f60\u7684\u4fdd\u9669\u4e2d\u4ecb\u5458\u662f\u5426\u6709\u6298\u6263\u3002\u4e00\u822c\u4fdd\u9669\u516c\u53f8\u90fd\u4f1a\u63d0\u4f9b\u4ee5\u4e0b\u6298\u6263\uff0c\u5982\u7eed\u4fdd\u6298\u6263 \uff08Renewal\uff09\u3001\u591a\u8f86\u8f66\u6298\u6263\uff08Multiple-car) \u7b49\u3002\u6240\u4ee5\uff0c\u5728\u8d2d\u4e70\u524d\uff0c\u5148\u8be2\u95ee\u4ee5\u907f\u514d\u4e0d\u5fc5\u8981\u7684\u8d39\u7528\u3002\n\n\n\u5e0c\u671b\u6211\u4eec\u4eca\u5929\u7684\u89c6\u9891\u6559\u4f1a\u4f60\u66f4\u591a\n\u8f66\u9669\n\u7684\u54a8\u8be2\uff01\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\n\u00a0\n\n\nFincrew Official Youtube\n\n\nTags:\nCredit Score\nMichael Barry\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/04/13/ensure-your-mobile-phone-with-gadget-insurance/", "title": "Ensure Your Mobile Phone With Gadget Insurance", "body": "It\u2019s impossible to walk by five people without seeing a smartphone. Although trendy and sophisticated, smartphones are fragile. You will never be the perfect handler of any phone, no matter what brand it is \u2013 whether it is made from rock or glass. When your phone or connected device is out of commission for days on end, you may feel like you are left on a deserted island. \nFincrew gadget insurance\n will keep you connected and your devices secure. Fincrew\u2019s gadget insurance plan can protect your \nmobile phone\n in these situations.\n\n\nWhat Is Gadget Insurance?\n\n\nYour \nmobile phone\n, laptop, and fitness tracker are some of the gadgets you rely upon without a second thought every single day, and \ngadget insurance\n covers the cost of repairing or replacing them. The price of many of these gadgets is high. Do you have the money to replace them in case of damage? If your response is no, it\u2019s probably a good idea to consider \ngadget insurance\n. Examples of protected gadgets include:\n\n\n\n\nSmartphone\n\n\nTablet\n\n\nSat nav\n\n\nSmartwatch\n\n\nDigital camera\n\n\nFitness trackers\n\n\nLaptop\n\n\nGames console\n\n\nAirpods\n\n\n\n\nIs Gadget Insurance Necessary?\n\n\nIf you are accident-prone and own a lot of gadgets, it will be more challenging to protect your devices. You can start by figuring out the value of your gadgets and determining whether you should get dedicated coverage. A gadget insurance policy would likely make sense if you had to replace your items very often. You may have limited \ninsurance coverage\n through a current policy, like contents or travel insurance, but you\u2019ll need to verify that it\u2019s adequate. Additionally, it would help to remember that you have to pay an \nexcess\n on these policies, which can be higher than a gadget policy. Indeed, it might not be worthwhile to \nclaim\n a less costly gadget if the content policy\u2019s excess is so high. When your phone or connected device is out of commission for days on end, you may feel like you are on a deserted island. Fincrew gadget insurance will keep you connected and your devices secure.\n\n\n\n\nWhy Fincrew Gadget Insurance?\n\n\nFincrew gadget insurance\n is a device protection plan for all device owners that is affordable and provides excellent coverage. \nFincrew gadget insurance\n plans are easy, convenient, and affordable. In addition, Fincrew lets you relax knowing that they can deliver a refurbished replacement the next day regardless of whether your device is damaged, lost, or stolen. Coverage is provided for the following product variants:\n\n\nAccidental Damage\n\n\nWe will repair your device if it has been damaged by accident. Our \ninsurance\n even covers minor screen damage. However, it will be replaced if it is unrepairable.\n\n\nLiquid Damage\n\n\nYour gadget will be replaced or repaired if it has been damaged by splashes or total immersion.\n\n\nBreakdown\n\n\nIf something goes wrong with your gadget, we will repair or replace it. Laptops are not included.\n\n\nTheft\n\n\nWe will replace your gadget if it is stolen.\n\n\nFamily Cover\n\n\nYour gadget cover covers you and your family. Your partner is also covered if they lose or damage your phone!\n\n\nWe know that your phone and other connected devices are an integral part of your life. Using this new and innovative product, you can protect your mobile phones against Accidental Damage, Water Damage, and \nTheft\n. Therefore, the \nfinancial\n hardship and headache of replacing the item are minimized if something goes wrong.\n\n\nTags:\nAccidental Damage\nGadget\nGadget Insurance\nTheft Coverage\nWater Damage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/14/understand-what-is-all-risk-in-insurance/", "title": "Understand What Is All Risk In Insurance", "body": "It would be frustrating to spend a lot of time and money replacing your aging roof only to have a large maple tree invade it during the winter. In that situation, what do you do? Do you have to start saving all over again? No way. That\u2019s when \nall risk\n coverage on your home policy comes into play. In this piece, we will review all the necessary things about all risk in insurance.\n\n\nWhat Is All Risk In Insurance?\n\n\nA basic definition of \u201call risks\u201d is insurance covering any risk not explicitly excluded by a contract. In this case, flooding will be covered in an \u201call risks\u201d homeowner\u2019s policy if it does not expressly exclude it.\n\n\n\n\nUnderstanding All Risks\n\n\nThe two most common forms of property insurance providers provide for homeowners and businesses are named perils and \u201call risks.\u201d A called perils insurance contract only covers the perils stated explicitly in the contract. An \ninsurance\n policy might stipulate that they will cover losses caused by fire or vandalism. Therefore, an insured who suffers loss or damage from flooding cannot file a claim with the insurance company, as flooding is not a peril under the insurance contract. A named-perils policy places the burden of proof on the insured. Under an \nall risk\n policy, the insured is under its protection against all perils, except for those expressly excluded. In contrast to named perils policies, all risks policies do not offer details about the risks covered but instead outline those excluded. By doing so, the policy will automatically cover all perils not explicitly outlined in the policy. Several hazards excluded from \u201call risks\u201d include earthquakes, wars, government seizures and destructions, infestation, pollution, nuclear threats, and market loss. The customer can pay a floater or rider premium to cover any excluded event under the \u201call risks\u201d policy; the customer can pay a floater or rider premium.\n\n\nWhat Does All Risk Insurance Cover?\n\n\nThese are usually the things that we refer to when we speak of perils and risks:\n\n\n\n\nDamage caused by water.\n\n\nBurst or frozen pipes.\n\n\nThe injury usually occurs from sewer backups (be sure to check your insurance policy carefully).\n\n\nDamage caused by smoke and fire.\n\n\nA bolt of lightning \nstrikes\n.\n\n\nHailstorms and windstorms.\n\n\nTheft\n and vandalism.\n\n\nWinter season, such as snow, ice, and sleet.\n\n\nVehicle, watercraft, or aircraft impact.\n\n\nRiots or other civil disturbances.\n\n\nElectrical damage caused by accident.\n\n\n\n\nDespite \n\u201call risk\u201d insurance\u2019s\n name, some coverage is still considered separate. They are considered exclusions; if they aren\u2019t covered, all the more reason to read the fine print carefully. A homeowner\u2019s liability insurance always covers injuries that occur on their property; a \nclaim\n will prevail that way only if the homeowner can demonstrate negligence. The policy does not cover liability issues by \nall risk insurance\n. Please check your policy to find out what is covered and what isn\u2019t.\n\n\nWhich Risks Aren\u2019t Covered By All Risk Insurance?\n\n\nEven though they are called all risk contracts, exclusions are pretty standard. That is why \nall risk insurance\n policies are sometimes called \ncomprehensive insurance\n or even \u201copen peril\u201d coverage.\n\n\n\n\nHere are some of the exclusions:\n\n\nThere is general wear and tear.\n\n\nAtomic or nuclear incidents.\n\n\nWar.\n\n\nTerrorism-related damage.\n\n\nDamage caused by pests (i.e., rodents and termites).\n\n\nPollution.\n\n\nMarket loss.\n\n\nMechanical breakdown.\n\n\nTheft committed by employees.\n\n\nExplosion in a boiler.\n\n\nWater flowing overland (flooding).\n\n\nQuakes.\n\n\n\n\nA Few Special Considerations\n\n\nTo ensure the insured\u2019s protection from the full range of loss events, \u201call risks\u201d coverage is proportionately more expensive than other policies. This type of insurance should, therefore, weigh against its likelihood of being claimed. You can have both named perils and \u201call risks\u201d in the same policy. An insured may, for example, have a property insurance policy that covers all risks coverage for their building and named perils coverage for their personal property. Read any insurance agreement carefully to ensure that the policy excludes certain things. It is essential to remember that \u201call risks\u201d does not necessarily mean that the policy covers \u201call risks,\u201d as the exclusions limit the level of coverage. If you are considering a new approach, make sure you check its exclusions.\n\n\nTags:\nAll Risk\nAll Risk Insurance\nComprehensive Coverage\nOpen Peril\nPerils\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/09/14/essential-steps-when-filing-a-car-insurance-claim/", "title": "Essential Steps When Filing A Car Insurance Claim", "body": "\n\n\n\nStatistically speaking, even the most careful drivers will get involved in an auto accident at least once in their driving history. Do you know what to do in the event the worst happens? What mistakes should you avoid in the \nprocess of filing your auto \ninsurance claim\n? Keep watching to find out these details and much more!\n\n\nHi! I\u2019m Stella, Fincrew brand ambassador, and in this video, I\u2019ll be showing you how to successfully navigate the process of \nfiling an \ninsurance claim\n for your automobile! Do you want to be auto insurance-savvy? Then you can\u2019t afford to miss a single post in our Insurance360 Video Series! Simply click that Subscribe button and activate notification settings so you can view all our previous releases and access future videos as soon as they are dropped! Now we get that sorted, let\u2019s begin.\n\n\nIn the country today, you can claim either of two \ntypes of insurance\n. You could file an \nOwn Damage Claim\n or a \nThird Party Claim\n, depending on the nature of the accident. Here is a brief description of how you can file either claim!\n\n\nOwn Damage Claim\n\n\nIt\u2019s important to mention that you can\u2019t file this claim on just any \nauto insurance coverage\n. You need to have a \ncomprehensive vehicle insurance policy\n in place if the accident didn\u2019t come about as a result of something you did. However, you might end up losing your \nNo claim Discount (NCD)\n privileges as a result. Here\u2019s how this process works. First, you need to:\n\n\nGet In Touch With Your Insurer\n\n\nThe sooner you are able to do this, the better. This is because they are responsible for telling you the next steps you are to take, including which repair workshop you are to take your vehicle to for fixing. The faster you do this, the sooner your vehicle can get back on the road.\n\n\nFile a Police Report\n\n\nThis step is so important and time-sensitive, you get fined if you don\u2019t do it when demanded! Be sure you contact the police within 24 hours of the accident occurring at the latest.\n\n\nDocument The Accident\n\n\nTake photographic evidence of all the vehicles involved in the accident, collect license information, license plate details, and all other relevant information.\n\n\nPrepare Relevant Documents\n\n\nAt the designated workshop, you\u2019d be required to tender certain documents. Some of which include original copies of your police report and investigations report, a claims form from your insurer, bill of repair work, your NRIC, and that of the \nthird party\n. You\u2019ll also be required to tender these same documents to your insurer and other necessary entities.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nThird Party Claims\n\n\nAfter you must have filed a police report within the 24-hour time frame, you must also:\n\n\nPrepare Necessary Documents For Third Party Claims\n\n\nThese basically include photographs of your damaged vehicle, license plates, and car number plates, among other things.\n\n\nMove Your Vehicle To The Third Party Insurance Workshop\n\n\nThis step is also very time-sensitive. Be sure to move your vehicle to the designated third party repair workshop immediately after the accident, as soon as you can.\n\n\nHave A Licensed Adjuster Evaluate The Loss\n\n\nYou also need to bring a licensed adjuster on board to help you assess the cost of repairs and Compensation for Assessed Repair Time or CART.\n\n\nTender All Relevant Documents\n\n\nThese files include items such as the original copies of your police report and investigation reports, a \nclaims form from your insurer\n, bill of repair work, your NRIC and that of the third party, and the Keputusan report given to you by the police.\n\n\nWith these, you can file special and general damages claims to cover all expenses resulting from the accident. If you\u2019d like to see more helpful videos like this, remember to Like this video and then Subscribe and enable notifications, so you see our future episodes promptly! Thanks for watching!\n\n\nTags:\nCART (Compensation for Assessed Repair Time)\nInsurance Claims\nThird Party Insurance\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/08/%e6%b1%bd%e8%bd%a6%e6%84%8f%e5%a4%96%e4%ba%8b%e6%95%85%e7%b4%a2%e8%b5%94%e8%b0%83%e6%9f%a5%e8%bf%87%e7%a8%8b/", "title": "\u6c7d\u8f66\u610f\u5916\u4e8b\u6545\u7d22\u8d54\u8c03\u67e5\u8fc7\u7a0b", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360\uff0c\u6211\u662f Cassandra\u3002 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Claim Discount\n\uff08\u975e\u7d22\u507f\u6298\u6263\uff09\u662f\u4e0d\u53d7\u5f71\u54cd\u7684\u3002\u76f8\u53cd\u7684\uff0c\u5982\u679c\u4f60\u662f\u8087\u4e8b\u8f66\u4e3b\uff0c\u90a3\u5c31\u53cd\u8fc7\u6765\u5c31\u5bf9\u4e86\u3002\u901a\u5e38\u4fdd\u9669\u516c\u53f8\u6709\u81ea\u5df1\u6307\u5b9a\u7684\u7ef4\u4fee\u5382\uff0c\u6240\u4ee5\u6211\u4eec\u53ea\u9700\u8981\u628a\u8f66\u9001\u53bb\u6307\u5b9a\u7684\u8f66\u5382\u7ef4\u4fee\u5c31\u884c\u4e86\u3002 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\u4ee5\u4e0a\u5927\u6982\u5c31\u662f\n\u6c7d\u8f66\u4fdd\u9669\n\u7684\n\u4e8b\u6545\n\u7d22\u8d54\u8c03\u67e5\u8fc7\u7a0b\u3002\u5168\u7a0b\u5927\u69821\u4e2a\u6708\u81f33\u4e2a\u6708\u5de6\u53f3\uff0c\u751a\u81f3\u66f4\u957f\u3002\u6240\u4ee5\u8eab\u4e3a\u8f66\u4e3b\u7684\u6211\u4eec\u5c31\u5c3d\u91cf\u628a\u8d44\u6599\u6536\u9f50\uff0c\u5c31\u4e0d\u4f1a\u62d6\u5ef6\u6574\u4e2a\u8fc7\u7a0b\u3002\n\n\n\u5e0c\u671b\u6211\u4eec\u4eca\u5929\u7684\u89c6\u9891\u6559\u4f1a\u4f60\u4e00\u70b9\u70b9\uff0c \u8ba9\u4f60\u66f4\u61c2\u5f97\u8f66\u9669\u7684\u54a8\u8be2\uff01 \u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01 \u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002 \u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\n\n\nTags:\nNo Claim Discount\n\u6c7d\u8f66\u610f\u5916\n\u6c7d\u8f66\u610f\u5916\u4e8b\u6545\u7d22\u8d54\n\u975e\u7d22\u507f\u6298\u6263\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/03/01/tuntutan-insurans-kenderaan/", "title": "Tuntutan Insurans Kenderaan", "body": "Apabila kenderaan yang diinsuranskan terlibat dalam kecelakaan, tuntutan \ninsurans kereta\n tersebut selalunya akan ditangguhkan. Ia bergantung kepada senario atau situasi bagaimana kenderaan tersebut mengalami kerosakan. Tidak ada sesiapa yang mahu terlibat dalam kemalangan. Tetapi kadangkala berlaku juga perkara yang tidak diingini. Mungkin kereta anda terlibat dalam kemalangan yang tidak melibatkan kehilangan nyawa, tetapi ia merupakan pelanggaran yang teruk atau kereta anda dicuri. Dalam keadaan seperti inilah \u2018insurans\u2019 yang selalu membuatkan anda merungut untuk membelinya akan memberikan manfaat yang besar. Sama ada kereta anda dicuri, atau terlibat dalam \nkemalangan\n (tidak kira siapa yang bersalah), perkara pertama yang akan diberi perhatian adalah \njenis insurans\n yang anda ambil. Setelah itu, faktor kehilangan atau kerosakan kereta tersebut akan diambil kira.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nDalam Kes Kecurian\n\n\nKes kecurian merupakan senario yang paling tidak digemari, membuatkan \npolisi insurans\n jenis ini sangat penting untuk kereta anda. Kesahihan \ntuntutan insurans\n anda hanya akan dipertimbangkan sekiranya anda memilikinya.\n\n\nPelindungan Komprehensif, Pelindungan Kecurian Dan Kebakaran Pihak Ketiga\n\n\nPolisi asas insurans pihak ketiga tidak merangkumi pelindungan terhadap anda atau melindungi kenderaan anda dalam kes kecurian.\n\nSebaliknya, ia untuk melindungi dan memberi pampasan kepada pihak ketiga yang mengalami kecederaan, kematian atau kemusnahan harta benda.\n\n\nSituasi Kecurian\n\n\nJika kereta yang dicuri itu bukan milik anda, anda mungkin akan beranggapan \ntuntutan insurans\n anda itu tidak sah. Lebih-lebih lagi apabila dalam kes kecurian, proses untuk mendapatkan tuntutan mengambil masa yang agak lama. Setelah dimaklumkan tentang kecurian itu, pihak polis dan \nsyarikat insurans\n harus melakukan siasatan terlebih dahulu.\n\n\nUntuk Kes Kemalangan Jalan Raya\n\n\nJika anda dapati \nkenderaan anda terlibat dalam kemalangan\n jalan raya, anda boleh melakukan tuntutan insurans melalui dua cara. Anda boleh:\n\n\n\n\nMembuat tuntutan daripada \nsyarikat insurans\n anda, atau\n\n\nAtau daripada \nsyarikat insurans\n pihak lain yang terlibat\n\n\n\n\nMembuat Tuntutan Insurans Daripada Syarikat Insurans Anda\n\n\nPerlu diingatkan bahawa anda akan kehilangan faedah \u2018\nNo Claim Discount\n\u2019 (NCD) secara automatik sekiranya anda memilih untuk melakukan perkara ini. Penting untuk anda melakukan proses sewajarnya dengan segera. Sebagai contoh, anda perlu membuat laporan insiden kepada polis dalam tempoh 24 jam selepas kejadian berlaku. Kegagalan untuk melaporkan perkara ini dalam tempoh masa yang ditetapkan boleh menyebabkan anda didenda RM300! Jangan lupa juga untuk memaklumkan kepada syarikat insurans anda mengenai kemalangan tersebut. Sebaiknya, kereta anda dihantar ke bengkel yang disahkan oleh syarikat insurans anda secepat mungkin untuk memastikan kereta anda dapat dibaiki pada masa yang lebih singkat. Kemudian anda hanya perlu mengisi dokumen tuntutan insurans dan mengembalikannya kepada syarikat insurans. Dari sini \u2018adjuster\u2019 anda melakukan semua proses bermula dengan kereta anda.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nMembuat Tuntutan Dari Syarikat Insurans Pihak Lain\n\n\nIngat! Ini hanya boleh dilakukan sekiranya anda tidak bersalah. Selepas anda membuat laporan kepada pihak polis, anda perlu menghantar kenderaan anda ke bengkel syarikat insurans pihak yang bersalah. Anda juga memerlukan khidmat \u2018adjuster\u2019 untuk menentukan kos pembaikan dan mempercepat CART (Compensation for Assessed Repair Time). Pada waktu ini, anda perlu membayar sendiri kos pembaikan tersebut. Setelah anda menghantar dokumen tertentu kepada penanggung insurans pihak yang bersalah, anda akan mendapat ganti rugi dengan segera.\n\n\nTuntutan Kerosakkan Umum Dan Khas\n\n\nBergantung kepada \npelindungan insurans\n yang ditawarkan kepada anda, anda mungkin boleh membuat tuntutan insurans terhadap kerosakan tertentu. Sebagai contoh, sekiranya anda mengalami kecederaan akibat kemalangan tersebut, pihak yang terlibat itu perlu memberikan ganti rugi kepada anda. Mereka akan membayar anda sepenuhnya jika mereka bertanggungjawab sepenuhnya atau anda memikul sebahagian tanggungjawab terhadap kemalangan tersebut. Ini dikenali sebagai kerosakan umum. Manakala kerosakan khas pula merujuk kepada perbelanjaan yang anda harus tanggung akibat kemalangan tersebut seperti kos pembaikan dan juga perubatan.\n\n\nTags:\nInsurans Kenderaan\nInsurans Kenderaan Komprehensif\nInsurans Kenderaan Pihak Ketiga\nPolisi Insurans\nTuntutan Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/01/07/diskaun-tiada-tuntutan-atau-no-claim-discount-ncd/", "title": "Diskaun Tiada Tuntutan Atau \u201cNo Claim Discount (NCD)\u201d", "body": "Pernahkah anda terjumpa perkataan Diskaun Tiada Tuntutan, \u2018\nNo Claim Discount\n\u2019 (NCD), atau Bonus Tiada Tuntutan, \u2018No Claim Bonus\u2019 (NCB)? Atau kemungkinan untuk menjimatkan wang tambahan melalui insurans kereta anda sekiranya anda tidak membuat sebarang tuntutan sepanjang tahun? Ketahui lebih lagi dalam artikel ini.\n\n\nApa Itu No Claim Discount atau NCD?\n\n\n\u2018\nNo claim discount\n\u2019 ataupun \nNCD\n, adalah pengurangan perbelanjaan \ninsurans kereta\n yang ditawarkan oleh pihak insurans sekiranya anda tidak membuat tuntutan dalam terma polisi insurans kenderaan. Ia merupakan ganjaran kepada anda kerana menggunakan kenderaan anda dengan berhati-hati. Jadi, katakanlah anda tidak membuat sebarang tuntutan untuk tempoh setahun atau dua tahun atau lima tahun, anda akan mempunyai jumlah tahun yang sama dikenakan NCD untuk kos \ninsurans kereta\n anda.\n\n\n\n\nBagaimana Cara Untuk Saya Membina No Claim Discount (NCD)?\n\n\nSetiap tahun, jika anda tidak membuat sebarang tuntutan insurans, anda akan mendapat NCD untuk tahun berikutnya. Anda boleh mendapat potongan diskaun sehingga 30% untuk kos \ninsurans kereta\n setahun. Selepas lima tahun, diskaun yang diberikan boleh mencecah sehingga 60%.. Sesetengah syarikat insurans menawarkan ganjaran yang lebih pantas iaitu anda boleh mendapatkan ganjaran pada bulan ke-10 dan bukannya bulan ke-12. Anda boleh mendapatkan lebih banyak NCD. Caranya, dengan tidak membuat sebarang tuntutan. Jadi lebih banyak diskaun yang bakal anda perolehi.\n\n\nApa Yang Akan Terjadi Jika Saya Membuat Tuntutan?\n\n\nJika anda membuat tuntutan \npolisi insurans\n, dimana syarikat insurans tersebut melakukan pembayaran dan kemalangan tersebut berpunca daripada anda, anda akan kehilangan beberapa atau keseluruhan diskaun tersebut. Tetapi, jika kemalangan tersebut bukan berpunca daripada anda, syarikat insurans anda mungkin akan membuat tuntutan bayaran balik dari syarikat insurans pemilik kenderaan lain itu. Dan mungkin NCB anda tidak akan terjejas. Ini termasuklah jika kenderaan anda dicuri atau terlibat dalam bencana alam. Katakan anda membayar polisi lain dengan potongan NCB, kemudian baru menyedari yang anda tidak bersalah. Anda boleh mendapatkan semula NCB anda pada masa yang sama mendapat diskaun untuk premium tambahan yang anda bayar.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nBerapakan Had Yang Ditetapkan?\n\n\nKebanyakan firma insurans akan mengambil lima tahun sebelumnya untuk pemanduan yang berterusan atas nama anda dalam menilai anggaran potongan NCD anda. Diskaun tersebut hanyalah untuk pemilik polisi sahaja dan bukan nama pemandu lain untuk kenderaan tersebut. NCD anda hanya boleh digunakan untuk sebuah kenderaan sahaja. Jadi, jika anda mempunyai dua kereta, anda tidak akan mendapat potongan harga untuk polisi \ninsurans kenderaan\n kedua. Kecuali jika NCD untuk kereta satu lain, telah diperoleh dengan sendirinya.\n\n\nTags:\nInsurans Kereta\nNo Claim Bonus (NCB)\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/06/06/%e4%bb%80%e4%b9%88%e6%98%af%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%9b%b6%e6%8a%98%e6%97%a7%e7%8e%87/", "title": "\u4ec0\u4e48\u662f\u6c7d\u8f66\u4fdd\u9669\u96f6\u6298\u65e7\u7387", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u8eab\u4e3a\u8f66\u4e3b\uff0c\u4f60\u4e00\u5b9a\u4f1a\u5c3d\u4e00\u5207\u53ef\u80fd\u8ba9\u4f60\u7684\u8f66\u5b50\u7ef4\u6301\u5728\u6700\u597d\u7684\u72b6\u6001\u3002 \u4f46\u662f\uff0c\u4e07\u4e00\u53d1\u751f\u4e8b\u6545\u4e86\uff0c\u4f60\u9700\u8981\u4e00\u7b14\u8d44\u91d1\u53bb\u4fee\u7406\u4f60\u7684\u6c7d\u8f66\u6765\u6062\u590d\u4e8b\u6545\u53d1\u751f\u524d\u7684\u72b6\u6001\u3002 \n\u4fdd\u9669\u516c\u53f8\n\u5728\u8fdb\u884c\u7406\u8d54\u65f6\uff0c\u90fd\u4f1a\u4ee5\u8f66\u5b50\u53d1\u751f\u4e8b\u6545\u524d\u7684\u72b6\u6001\u4f5c\u4e3a\u8861\u91cf\u6807\u51c6\u800c\u8fdb\u884c\u7406\u8d54\uff0c\u5e76\u4e0d\u662f\u4ee5\u5168\u65b0\u8f66\u5b50\u72b6\u6001\u8fdb\u884c\u7406\u8d54\u3002\u56e0\u6b64\uff0c\u4f60\u7684\u7406\u8d54\u91d1\u989d\u53ef\u80fd\u4f1a\u6bd4\u8f83\u4f4e\uff0c\u6240\u4ee5\u4f60\u4e5f\u53ef\u80fd\u4f1a\u9700\u8981\u81ea\u638f\u8170\u5305\u8865\u4e0a\u4fee\u7406\u8d39\u7684\u7ed3\u4f59\u3002\n\n\n\u4f60\u4f1a\u95ee\u4e3a\u4ec0\u4e48\uff1f\u8fd9\u662f\u56e0\u4e3a\uff0c\u8f66\u5b50\u90fd\u6709\u6298\u65e7\u7387\u3002\u4ec0\u4e48\u662f\u6298\u65e7\u7387\u5462\uff1f\u4e5f\u5c31\u662f\u82f1\u6587\u6240\u8bf4\u7684Depreciation Value\u3002\u4ee5\u6700\u7b80\u5355\u7684\u65b9\u5f0f\u53bb\u4e86\u89e3\uff0c\u5c31\u662f\u8d44\u4ea7\u964d\u503c\u4e86, \u6bd4\u5982\u65b0\u8f66\u6c38\u8fdc\u90fd\u4f1a\u6bd4\u4e8c\u624b\u8f66\u6765\u7684\u8d35\uff0c \u5176\u4ed6\u8d44\u4ea7\u4e5f\u662f\u76f8\u540c\u7684\u9053\u7406\u3002 \u4e5f\u56e0\u4e3a\u6709\u6298\u65e7\u7387\u7684\u5173\u7cfb\uff0c\u8bb8\u591a\u4fdd\u9669\u516c\u63a8\u51fa\u4e86\u8f66\u9669\u96f6\u6298\u65e7\u7387\uff0c\u4e5f\u5c31\u662fzero depreciation\uff0c\u4ee5\u63d0\u4f9b\u8f66\u4e3b\u66f4\u5b8c\u5584\u7684\u4fdd\u9669\u914d\u5957\u3002\n\n\n\u90a3\u4ec0\u4e48\u662f\u8f66\u9669\n\u96f6\u6298\u65e7\u7387\n\u5462\uff1f\u5176\u5b9e\u8fd9\u662f\u7efc\u5408\u6027\u4fdd\u9669\u914d\u5957\u7684\u9644\u52a0\u9009\u9879\uff0c\u8f66\u4e3b\u53ef\u4f9d\u636e\u672c\u8eab\u7684\u610f\u613f\u53bb\u9009\u62e9\u662f\u5426\u9700\u8981\u6b64\u9009\u9879\u3002\u4e00\u822c\u4e0a\uff0c\n\u4fdd\u9669\u516c\u53f8\n\u90fd\u4f1a\u5efa\u8bae\u8d2d\u4e70\u65b0\u8f66\u7684\u8f66\u4e3b\u9009\u62e9\u8fd9\u4e2a\u9644\u52a0\u9009\u9879\u3002\u4e3a\u4ec0\u4e48\u5462\uff1f\u8f66\u9669\u96f6\u6298\u65e7\u7387\u5230\u5e95\u6709\u4ec0\u4e48\u597d\u5904\uff1f\u5c3d\u7ba1\u8f66\u4e3b\u53ef\u80fd\u4f1a\u4ed8\u6bd4\u8f83\u9ad8\u7684\u4fdd\u9669\u8d39\uff0c\u4f46\u4ece\u957f\u8fdc\u7684\u89d2\u5ea6\u6765\u770b\uff0c\u4e00\u65e6\u8f66\u4e3b\u5728\u53d1\u751f\u4e8b\u6545\u540e\uff0c\u8f66\u4e3b\u4fbf\u65e0\u9700\u62c5\u5fc3\u4fee\u7406\u8d39\u7684\u95ee\u9898\uff0c\u56e0\u4e3a\u4fdd\u9669\u516c\u53f8\u5c06\u4f1a\u8d54\u507f\u66f4\u9ad8\u7684\u7406\u8d54\u91d1\u989d\u3002\u8fd9\u4e3b\u8981\u4e5f\u662f\u56e0\u4e3a\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u4e0d\u4f1a\u56e0\u6c7d\u8f66\u96f6\u4ef6\u7684\u6298\u65e7\u7387\u6765\u6263\u9664\u4f60\u7684\u7406\u8d54\u91d1\u989d\u3002\u521a\u521a\u6211\u4eec\u6709\u63d0\u5230\uff0c\u4e00\u822c\u4fdd\u9669\u516c\u53f8\u90fd\u4f1a\u5efa\u8bae\u8d2d\u4e70\u65b0\u8f66\u7684\u8f66\u4e3b\u6dfb\u52a0\u8fd9\u4e2a\u9644\u52a0\u9009\u9879\u3002\u90a3\u4e48\uff0c\u4f60\u53ef\u80fd\u4f1a\u95ee\uff0c\u5982\u679c\u6211\u662f\u8d2d\u4e70\u4e8c\u624b\u8f66\u5462\uff1f\u53c8\u6216\u8005\uff0c\u6211\u662f\u5426\u771f\u7684\u9700\u8981\u5462\uff1f\u5176\u5b9e\u8fd9\u4e2a\u7b54\u6848\u53ef\u4ee5\u4ece\u51e0\u9879\u56e0\u7d20\u4f5c\u4e3a\u8861\u91cf\u6807\u51c6\u3002\n\n\n\u9996\u5148\uff0c\u5927\u90e8\u5206\u4fdd\u9669\u516c\u53f8\u53ea\u4f1a\u4e3a\u8f66\u9f84\u5c11\u4e8e5\u5e74\u4ee5\u4e0a\u7684\u8f66\u4e3b\u63d0\u4f9b\u6b64\u9644\u52a0\u9009\u9879\u3002\u8fd9\u662f\u56e0\u4e3a\uff0c\u8f66\u9f84\u8d8a\u5927\u7684\u6c7d\u8f66\uff0c\u6c7d\u8f66\u96f6\u4ef6\u7684\u6298\u65e7\u7387\u5c31\u4f1a\u8d8a\u9ad8\u3001\u4fee\u7406\u7684\u8d39\u7528\u4e5f\u53ef\u80fd\u66f4\u9ad8\uff0c\u56e0\u6b64\uff0c\u4fdd\u9669\u516c\u53f8\u4e00\u822c\u4e0d\u4f1a\u4e3a\u8f66\u9f84\u5927\u7684\u6c7d\u8f66\u63d0\u4f9b\u6b64\u9644\u52a0\u9009\u9879\u3002\u5176\u6b21\uff0c\u6c7d\u8f66\u4fdd\u9669\u4f1a\u56e0\u4e3a\u6c7d\u8f66\u54c1\u724c\u548c\u578b\u53f7\u800c\u6709\u6240\u4e0d\u540c\uff0c\u6240\u4ee5\u5982\u679c\u4f60\u7684\u6c7d\u8f66\u96f6\u4ef6\u6bd4\u8f83\u8d35\uff0c\u4e5f\u4f1a\u5efa\u8bae\u4f60\u52a0\u989d\u8d2d\u4e70\u6b64\u9009\u9879\uff0c \u56e0\u4e3a\u8fd9\u53ef\u4ee5\u66f4\u5168\u9762\u7684\u4fdd\u969c\u4f60\u7684\u9700\u6c42\uff0c\u4ee5\u81f3\u4e8e\u4f60\u65e0\u9700\u62c5\u5fc3\u56e0\u4e8b\u6545\u6240\u9020\u6210\u7684\u635f\u5931\u3002 \u518d\u6765\uff0c\u5c31\u662f\u8f66\u4e3b\u7684\u4e2a\u4eba\u56e0\u7d20\uff0c\u8fd9\u4e5f\u5305\u62ec\u4e86\u8f66\u4e3b\u662f\u5426\u662f\u65b0\u624b\u6216\u662f\u7ecf\u9a8c\u4e0d\u8db3\u7684\u9a7e\u9a76\u8005\uff0c\u4ee5\u53ca\u8f66\u4e3b\u6240\u5c45\u4f4f\u7684\u57ce\u5e02\u3002\u4e00\u822c\u65b0\u624b\u53d1\u751f\u8f66\u7978\u7387\u4f1a\u6bd4\u7ecf\u9a8c\u4e30\u5bcc\u7684\u9a7e\u9a76\u8005\u6765\u7684\u9ad8\uff0c\u52a0\u4e0a\u5982\u679c\u8f66\u4e3b\u5c45\u4f4f\u5728\u7e41\u5fd9\u7684\u57ce\u5e02\u5982\u96ea\u9686\u533a\uff0c\u4e00\u822c\u90fd\u4f1a\u5efa\u8bae\u8f66\u4e3b\u8d2d\u4e70\u8fd9\u4e2a\u9644\u52a0\u9009\u9879\u3002\n\n\n\u5e0c\u671b\u901a\u8fc7\u4eca\u5929\u7684\u89c6\u9891\uff0c\u4f60\u5df2\u7ecf\u66f4\u4e86\u89e3\u8f66\u9669\u96f6\u6298\u65e7\u7387\u7684\u597d\u5904\u548c\u52a0\u989d\u8d2d\u4e70\u6b64\u9009\u9879\u7684\u6761\u4ef6\u53ca\u8003\u91cf\u56e0\u7d20\u3002\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\n\n\n\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\n\u00a0\n\n\nFincrew Official Youtube\n\n\nTags:\nDepreciation Value\nZero Depreciation\n\u4fdd\u9669\u516c\u53f8\n\u96f6\u6298\u65e7\u7387\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/09/18/does-car-insurance-cover-full-repair-expenses/", "title": "Does Your Car Insurance Cover Full Repair Expenses?", "body": "Following having your vehicle breakdown, your \ncar insurance\n company will cover whatever costs you incur for repairs to an extent, depending on what type of coverage you have in place. Sometimes, you wake up on the wrong side of the bed. A car that was working just fine yesterday won\u2019t start up the following morning. Worse, you could be on your way back home after a long and stressful day at work and have your car breakdown on you half-way. What do you do? You have \ncar insurance\n, but to what extent does that help you here?\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nWhether you just had the vehicle breakdown on you or you\u2019ve been in an accident, and the car needs extensive bodywork, it is vital to know where you stand and what to expect from your insurance agency regarding your vehicle fixed. Setting aside the type of \ninsurance\n agency you\u2019re using, the type of \ninsurance coverage\n you have on the affected vehicle will determine the extent to which the expenses are covered. As far as car repairs go, three \nauto \ninsurance\n coverage types\n come into play when your vehicle needs repairs. These different \ncoverage types insure your car\n to varying degrees, so knowing what they do and do not cover is very important. Moving forward, you should note that no coverage will completely \ncover you for full car repairs\n. The primary reason for this is that every plan will require that you pay what is called \u201cexcess.\u201d It is only after you\u2019ve paid this that your insurer comes into play and handles the rest of the cost. The amount you pay as excess is usually decided when you get an \ncar insurance\n plan. Generally speaking, the lesser the amount you pay as \nexcess\n, the higher your premiums will be. The advantage of this is that when you eventually \nfile a claim\n, you have less to pay out of pocket.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nTypes of Car Insurance Coverage\n\n\nThe first type of car insurance coverage is\u2026\n\n\nThird-Party Insurance\n\n\nThis type of \ninsurance\n coverage is purely mandatory. It is what covers the expenses you incur should you damage another individual\u2019s vehicle or property.\n\n\nThird-Party, Fire and Theft Insurance\n\n\nThis insures your vehicle in case it\u2019s damaged from a fire accident or cases of theft. This type of auto insurance can be considered mandatory or optional, depending on the vehicle\u2019s ownership status. If you are only leasing the vehicle, then this insurance is a must for you. However, if you have fully paid for the car, you may choose to get this \ninsurance\n. You should note that this \nauto insurance\n doesn\u2019t cover car repairs that pop up suddenly.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nComprehensive Insurance\n\n\nThis primarily includes whatever expenses you incur from non-driving related incidents. It covers everything from vandalism to theft, to acts of nature. In extreme cases, where your vehicle needs to be replaced entirely, \ncomprehensive insurance\n ensures you get paid the actual cash value (ACV) after your excess must\u2019ve been removed. And finally\u2026 Should you be involved in a car-damaging occurrence, get in touch with emergency services and the police where necessary. After that, contact your \ninsurance agency and report a claim\n. This is because the quicker you reach out and begin the process, the faster you can get things sorted out.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nActual Cash Value (ACV)\nComprehensive Coverage\nFire and Theft Cover\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/03/09/special-perils-add-on-in-auto-insurance/", "title": "Special Perils Add-on In Auto Insurance", "body": "You\u2019ll usually find three basic \ncar insurance options\n in Malaysia. The third-party cover insurance is the basic policy, and you can expand it with fire and theft coverage. Finally, the comprehensive cover offers the most protection as it includes third and first-party damages. Apart from these important deals, \nauto insurance policies\n also include various add-ons. These are \nextra coverages\n protecting you in certain situations that your standard policies don\u2019t cover. You\u2019ll find a wide range of add-ons available, and one of them is \nextra coverage\n for \nspecial perils\n. Let\u2019s check out what this add-on means.\n\n\nWhat Is Special Perils Add-On?\n\n\nAccording to \nauto insurance companies\n, \nspecial perils\n are unforeseen natural disasters. Unfortunately, these happen throughout Malaysia. A natural disaster could be an earthquake, which occurs suddenly and catches us all off guard. The earthquake might cause a \ntree or another object to fall on your car\n. That could damage the vehicle or destroy it completely. Another example of a natural disaster is soil sinking. This could happen as a result of heavy rains, but also earthquakes. Apart from the soil sinking, a landslide could damage your vehicle. Storms and flash floods are another potential disaster that rarely occurs but can destroy your car. The term \u201cspecial perils\u201d was chosen for a reason. It\u2019s because these events occur rarely. That\u2019s why you\u2019ll find the premium for this add-on low. The small difference in the total \ninsurance\n cost is why many vehicle owners choose to be on the safe side and apply for this \nextra coverage\n.\n\n\nWhat Are The Benefits Of The Special Perils Extra Coverage?\n\n\nThe compensation you are entitled to will depend on the deal you signed. However, we\u2019ll give you a couple of examples. For starters, you might choose a full special perils coverage or only partial. This table will explain the details:\n\n\n\n\n\n\n\n\n\n\n\n\n \n\n\n\n\n\n\n\n\n\n\nFull Coverage\n\n\n\n\n\n\nPartial Coverage\n\n\n\n\n\n\n\n\n\n\nCar value\n\n\n\n\n\n\n100,000\n\n\n\n\n\n\n100,000\n\n\n\n\n\n\n\n\n\n\nCoverage\n\n\n\n\n\n\n100%\n\n\n\n\n\n\nUp to 50%, depending on your choice\n\n\n\n\n\n\n\n\n\n\nSum insured\n\n\n\n\n\n\n100,000\n\n\n\n\n\n\n25,000 (example)\n\n\n\n\n\n\n\n\n\n\nPremium (% of the sum insured)\n\n\n\n\n\n\n0.25%\n\n\n\n\n\n\n0.4%\n\n\n\n\n\n\n\n\n\n\nPremium amount\n\n\n\n\n\n\n250RM\n\n\n\n\n\n\n100RM\n\n\n\n\n\n\n\n\n\n\nRepair cost for damages\n\n\n\n\n\n\n30,000RM\n\n\n\n\n\n\n30,000RM\n\n\n\n\n\n\n\n\n\n\nMaximum potential payout\n\n\n\n\n\n\n30,000RM\n\n\n\n\n\n\n25,000RM\n\n\n\n\n\n\n\n\n\n\nHow much policyholder pays?\n\n\n\n\n\n\n0RM\n\n\n\n\n\n\n5,000RM\n\n\n\n\n\n\n\n\n\n\n\n\nThe policy details might vary depending on the insurance you choose, so please use the table above as an example. Now, as you can see, the partial coverage has a cheaper premium. However, the \nrate is higher in most insurance\n agencies. In our example, it\u2019s 0.4% of the sum insured for the partial coverage, while you only pay 0.25% for full coverage. Another thing to note is that it\u2019s worth having full coverage in case of natural disasters. That\u2019s because special perils happen often, but they usually cause major damage. If you pick full coverage, you\u2019ll receive 100% of the repair cost up to the \nsum insured\n. That gives you peace of mind, and the difference in total premium price isn\u2019t that significant.\n\n\nDo You Have To Apply For This Add-On In Your Insurance Company?\n\n\nThe answer is yes, and this applies to all extra coverages. You\u2019ll need to apply for any add-on with the same agency that you signed the initial insurance deal with. The special perils add-on should be applicable as long as your policy lasts. If your vehicle suffers damage from unforeseen disasters, make sure to reach and \nfile a claim\n as soon as possible.\n\n\n\n\nTags:\nCar Insurance\nCoverage\nPerils\nSpecial Perils\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/01/12/car-servicing-and-maintenance-in-malaysia/", "title": "Car Servicing And Maintenance In Malaysia", "body": "The only surefire way to improve the longevity of any machine is by following a consistent \nmaintenance\n culture. It is where \ncar servicing\n comes into the picture. You need to know the basics of good car service to get the best value out of your brand-new or second-hand car. Let\u2019s take a look at that now.\n\n\nWhat Is Car Servicing?\n\n\nCar servicing\n involves taking your automobile to a professional for a full health check and routine \nmaintenance\n measures after a specific time has passed or the vehicle has covered a certain distance. How often you have to get your car serviced depends on several variables. The most important of these are the car brand and the road conditions you use the vehicle in.\n\n\nWhat Does a Full Car Service Cover?\n\n\nGiving your car a full service involves:\n\n\nCleaning Or Replacing The Filters\n\n\nThere are four (4) different types of filters in your car. These are the air, cabin, fuel, and oil filters. Each of these filters plays a vital role in maintaining the functionality of your vehicle, and \ncleaning\n or replacing them as appropriate can make a huge difference.\n\n\nCleaning Or Replacing The Spark Plugs\n\n\nCars that undergo a fairly regular complete servicing procedure are less likely to have problems starting. Taking proper and timely care of the vehicle\u2019s spark plugs contributes to keeping the ignition in top shape.\n\n\nProperly Gauging The Tires\n\n\nMost vehicle owners underestimate the importance of ensuring their tires have the proper pressure. However, if you use your vehicle when it doesn\u2019t have the correct tire pressure, you\u2019re effectively reducing the lifespan of the tires. What\u2019s more, you may be increasing your fuel consumption too. Servicing your car also extends to gauging the tire pressure and ensuring everything is as it should be.\n\n\nMaintaining The Vehicle\u2019s Lubricants\n\n\nFrom the brake and the power steering fluid to the engine oil and automatic transmission fluid, servicing your car ensures that all these lubricants are appropriately changed and up to gauge.\n\n\nFincrew Extended Warranty Banner\n\n\nCost Of Car Servicing In Malaysia Today\n\n\nSince the frequency and intensity depend on the car, the amount for this service is also determined. For example, servicing a Perodua Myvi can cost as little as RM 118, while giving a Mercedes the same treatment can easily cost RM3,000 or more.\n\n\nAdvantages Of Regularly Servicing Your Car\n\n\nSome benefits of consistently carrying out \nmaintenance practices on your vehicle\n are;\n\n\n\n\nReduces unnecessary expenses\n\n\nEnsures your safety\n\n\nImproves the lifespan of your automobile\n\n\nEnsures that you can demand a higher asking price at resale\n\n\nKeep your vehicle running smoothly at all times.\n\n\n\n\nConclusion\n\n\nThe pros of frequently servicing your car far outweigh any \nfinancial\n constraints this exercise might put on you. So, it\u2019s certainly worth doing. See this to complement your car servicing with excellent auto insurance.\n\n\nTags:\nCar Maintenance\nCar Servicing\nTransmission Fluid\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/11/19/%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e5%a6%82%e4%bd%95%e6%a3%80%e6%9f%a5%e4%bd%a0%e7%9a%84%e4%b8%aa%e4%ba%ba%e8%83%8c%e6%99%af/", "title": "\u4fdd\u9669\u516c\u53f8\u5982\u4f55\u68c0\u67e5\u4f60\u7684\u4e2a\u4eba\u80cc\u666f\uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f 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{"url": "https://blog.fincrew.my/2022/09/13/apakah-yang-perlu-saya-lakukan-sekiranya-saya-tidak-mampu-menanggung-insurans-kereta-saya/", "title": "Apakah Yang Perlu Saya Lakukan Sekiranya Saya Tidak Mampu Menanggung Insurans Kereta Saya?", "body": "\n\nSetiap pemilik kenderaan di Malaysia tahu bahawa \ninsurans kereta\n ibarat oksigen. Setakat ini anda mempunyai kereta yang anda pandu, jadi anda mesti memilikinya. Bagaimanapun dengan keadaan ekonomi yang semakin berkembang, dan ini merupakan masa yang sukar. Jadi, apa jalan keluar jika anda tidak mampu menanggung pakej insurans semasa kenderaan anda? Lebih penting lagi, apa yang perlu anda jangkakan untuk terus maju ke hadapan? Jika anda tidak mampu membeli \npakej insurans kereta\n buat masa ini, berikut merupakan beberapa teknik yang boleh anda gunakan. Pertama:\n\n\nPertimbangkan Perbandingan Untuk Kadar Yang Lebih Baik Dengan Syarikat Insurans Online\n\n\nAnda mungkin tidak tahu tentang ini, tapi secara perlahan dan pasti syarikat \ninsurans online\n akan menjadi tumpuan utama di negara ini hari ini. Terdapat banyak sebab mengapa institusi ini menjadi pilihan utama apabila menginsuranskan kenderaan di titik beratkan. Sebab utama dan mungkin merupakan penyebab paling penting adalah mereka menawarkan perkhidmatan yang sama dengan apa yang boleh anda dapati dari syarikat insurans standard dengan kadar yang lebih murah dan kemudahan yang lebih besar. Anda mungkin akan terkejut apabila mendapati lebih daripada beberapa \nsyarikat insurans\n online memberikan \npelindungan insurans\n yang sama ke atas kenderaan anda sekarang dengan kadar yang lebih jimat.\n\n\nManfaatkan Ciri Diskaun\n\n\nTerdapat banyak ciri \ndiskaun\n dan bonus yang dapat anda gunakan dengan mudah untuk mengurangkan bayaran semasa anda untuk \ninsurans kereta\n. Sebagai contoh, pemandu yang mendapatkan insurans sewaktu mereka masih bujang dan tidak mengemas kini mengenainya setelah berkahwin mungkin mengetahui bahawa mereka kerugian ciri \ndiskaun perkahwinan insurans kereta\n! Begitu juga isi rumah yang mengendalikan lebih daripada satu kenderaan dengan pakej insurans berasingan akan kerugian diskaun besar yang mereka dapat dari \npakej insurans kereta\n berganda. Terdapat beberapa lagi diskaun seperti ini yang tidak begitu membantu mengurangkan bil insurans. Ketahui sebahagian daripada diskaun ini dan lihat adakah anda layak untuk mendapatkannya. Manfaatkan ianya sebaik mungkin kerana ia dapat membantu mengurangkan premium anda ke tahap yang lebih berpatutan.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nPertimbangkan Kenderaan Tersebut\n\n\nOleh kerana jenis model kenderaan juga mempengaruhi apa yang pelu anda bayar sebagai premium, menukar kenderaan anda akan mengakibatkan penurunan drastik ke atas bayaran insurans anda. Lebih-lebih lagi dengan menanggalkan aksesori dan bahagian tertentu juga dapat membantu anda dalam hal ini. Sekarang, jika anda telah mengambil kesemua langkah-langkah ini dan masih tidak mampu untuk membayar pelindungan auto, satu-satunya pilihan untuk anda adalah memakir kenderaan anda dan mula mempertimbangkan pilihan pengangkutan lain kerana anda tidak boleh \nmemandu tanpa insurans\n di negara ini.\n\n\nTags:\nDiskaun Insurans\nInsurans Kenderaan\nInsurans Kereta\nSyarikat Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/03/24/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%85%a5%e9%97%a8%e7%ae%80%e4%bb%8b/", "title": "\u6c7d\u8f66\u4fdd\u9669\u5165\u95e8\u7b80\u4ecb", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360\uff0c\u6211\u662f Cassandra\u3002\u5728Esso\u53caMobil\uff0c\u6211\u4eec\u90fd\u662f\u9a7e\u9a76\u4eba\u58eb\uff5e\u4e0d\u8fc7\u6211\u5e76\u6ca1\u6709\u548c\u8fd9\u4e24\u4e2a\u54c1\u724c\u5408\u4f5c\u4e1a\u914d\u3002\u7eaf\u7cb9\u89c9\u5f97\u8fd9\u4e00\u53e5\u8bdd\u4ee4\u6211\u5370\u8c61\u6df1\u523b\u3002\u53cd\u6b63\u73b0\u5728\u4e5f\u6ca1\u6709\u8fd9\u4e24\u4e2a\u54c1\u724c\u4e86\u3002\u5bf9\u4e86\uff0c\u90a3\u4f60\u662f\u9a7e\u9a76\u4eba\u58eb\u5417\uff1f\u9a7e\u9a76\u7ecf\u9a8c\u591a\u5c11\u5e74\u4e86\u5462\uff1f\u5728\u4ee5\u4e0b\u7559\u8a00\u544a\u8bc9\u6211\u597d\u5417\uff1f\u6211\u5df2\u7ecf\u662f\u8001\u9e1f\u4e86\uff0c12\u5e74\u9a7e\u9f84\u3002/\u6211\u8fd8\u662f\u83dc\u9e1f\uff0c\u9a7e\u9f84\u624d6\u4e2a\u6708\uff08\u8bf7\u4e3b\u6301\u4eba\u4f9d\u636e\u81ea\u5df1\u5e74\u9f84\u81ea\u884c\u53d8\u52a8\uff09\u3002\n\u6c7d\u8f66\u4fdd\u9669\n\uff0c\u987e\u540d\u601d\u4e49\uff0c\u5c31\u662f\u6709\u5173\u4e8e\u4e2a\u4eba\u4ea4\u901a\u5de5\u5177\u7684\u610f\u5916\n\u4fdd\u9669\n\u3002\u4e3b\u8981\u662f\u4fdd\u969c\u6c7d\u8f66\u7684\u9a7e\u9a76\u4eba\u58eb\u7684\u5229\u76ca\uff0c\u9488\u5bf9\u4ea4\u901a\u5de5\u5177\u884c\u9a76\u5728\u8def\u4e0a\u65f6\u53ef\u80fd\u4f1a\u9047\u5230\u7684\u610f\u5916\uff0c\u5305\u62ec\u8f66\u4e0e\u884c\u4eba\u3001\u8f66\u4e0e\u5176\u4ed6\u4ea4\u901a\u5de5\u5177\u3001\u6216\u8f66\u4e0e\u516c\u5171\u8bbe\u65bd\u7684\u78b0\u649e\uff0c\u5bfc\u81f4\u7684\u6c7d\u8f66\u8868\u9762\u635f\u4f24\uff0c\u7b2c\u4e09\u65b9\u7684\u635f\u4f24\u4ee5\u53ca\u53cc\u65b9\u8f66\u91cc\u7684\u9a7e\u9a76\u4eba\u5458\u4e0e\u4e58\u5ba2\u8eab\u4f53\u7684\u635f\u4f24\u7a0b\u5ea6\u6765\u505a\u51fa\u5408\u7406\u8d54\u507f\u3002\n\n\n\u6240\u4ee5\u6c7d\u8f66\u4fdd\u9669\u7684\u8303\u56f4\u5206\u4e3a\u4e09\u5927\u7c7b\u3002\n\n\n\u7b2c\u4e00\uff0c\u6c7d\u8f66\u672c\u8eab\u7684\u4fdd\u9669\u3002\n\n\n\u5982\u6c7d\u8f66\u88ab\u76d7\u7a83\u6216\u53d1\u751f\u4ea4\u901a\u610f\u5916\u800c\u906d\u53d7\u4efb\u4f55\u635f\u574f\uff0c\u90fd\u53ef\u4ee5\u56e0\u6b64\u5f97\u5230\u7279\u5b9a\u7684\u8d54\u507f\u91d1\u3002\n\n\n\u7b2c\u4e8c\uff0c\u9a7e\u9a76\u8005\u7684\u8d23\u4efb\u3002\n\n\n\u8eab\u4e3a\u9a7e\u9a76\u4eba\u58eb\uff0c\u6211\u4eec\u90fd\u5fc5\u987b\u9644\u4e0a\u4e00\u5b9a\u7684\u6cd5\u5f8b\u8d23\u4efb\u3002\u5982\u679c\u6211\u4eec\u5728\u9a7e\u9a76\u8fc7\u7a0b\u4e2d\u53d1\u751f\u4efb\u4f55\u4ea4\u901a\u610f\u5916\uff0c\u53cc\u65b9\u7684\u6c7d\u8f66\u90fd\u6709\u635f\u574f\u7684\u65f6\u5019\uff0c\n\u4fdd\u9669\n\u516c\u53f8\u4f1a\u4f9d\u636e\u8c01\u662f\u8087\u4e8b\u8005\uff0c\u8c01\u89e6\u72af\u4e86\u4ea4\u901a\u6cd5\u5f8b\uff0c\u6765\u51b3\u5b9a\u54ea\u4e00\u65b9\u6539\u4e3a\u8fd9\u6b21\u7684\u635f\u5931\u8d54\u507f\u3002\n\n\n\u7b2c\u4e09\uff0c\u6211\u4eec\u9700\u8981\u4e3a\u81ea\u5df1\uff0c\u4e3a\u4e58\u5ba2\uff0c\u4ee5\u53ca\u7b2c\u4e09\u65b9\u7684\u9a7e\u9a76\u4eba\u58eb\u4e0e\u4e58\u5ba2\u8d1f\u8d23\u3002\n\n\n\u5c24\u5176\u662f\u5f53\u4efb\u4f55\u4e00\u65b9\u9700\u8981\u4efb\u4f55\u5f62\u5f0f\u7684\u533b\u7597\u6551\u52a9\uff0c\u53c8\u6216\u8005\u662f\u56e0\u4e3a\u53cc\u65b9\u64e6\u649e\u800c\u8087\u4e8b\u8005\u662f\u6211\u4eec\uff0c\u90a3\u7b2c\u4e09\u65b9\uff0c\u5305\u62ec\u6211\u4eec\u8f7d\u9001\u7684\u4e58\u5ba2\uff0c\u90fd\u6709\u6743\u5411\u6211\u4eec\u6240\u6295\u4fdd\u7684\u8f66\u9669\u516c\u53f8\u6c42\u507f\u3002\n\n\n\u8fd1\u5e74\u6765\uff0c\u7531\u4e8e\u6211\u56fd\u8fde\u7eed\u53d1\u751f\u4e86\u4e25\u91cd\u7684\u6c34\u707e\uff0c\u5404\u5927\u8f66\u9669\u516c\u53f8\u4e5f\u7eb7\u7eb7\u63a8\u51fa\u4e86\u989d\u5916\u7684\u4fdd\u5355\u670d\u52a1\uff0c\u8ba9\u9a7e\u9a76\u4eba\u58eb\u53ef\u4ee5\u989d\u5916\u52a0\u4fdd\u7531\u6c34\u707e\u5bfc\u81f4\u7684\u6c7d\u8f66\u635f\u574f\uff0c\u975e\u5e38\u53d7\u6b22\u8fce\u3002\u5e0c\u671b\u6211\u4eec\u4eca\u5929\u7684\u89c6\u9891\u6559\u4f1a\u4f60\u4e00\u70b9\u70b9\uff0c \u8ba9\u4f60\u66f4\u61c2\u5f97\u8f66\u9669\u7684\u54a8\u8be2\uff01\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\n\u4fdd\u9669\n\u6c7d\u8f66\u4fdd\u9669\n\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/06/07/mastering-credit-cards-in-2023-4-ways-to-maximize-benefits-and-avoid-penalties/", "title": "Mastering Credit Cards In 2023: 4 Ways To Maximize Benefits And Avoid Penalties", "body": "Since its introduction, the world quickly realized the numerous benefits and convenience of using a credit card. However, in recent times, the perks of using \ncredit cards\n have been overshadowed by the horror stories of people getting into even more debt or losing money from using these resources. Ultimately, the truth is that getting a credit card remains one of the most efficient ways of getting the funds needed to run day-to-day life. That is, as long as you know the proper ways to use it. So here, we\u2019ll be sharing some of the best ways to take advantage of this great resource!\n\n\n1. Use It To Patronize E-Commerce Platforms\n\n\nEven on its own, shopping on e-commerce websites is a great way to save money. These platforms know they compete with brick-and-mortar stores and so go out of their way to offer people better deals. But, using these platforms gets even better when the e-commerce company collaborates with a credit card issuing bank. When you use a supported credit card to shop, you can get added perks like cash backs, no-cost equated monthly installments (EMI), and several types of discounts!\n\n\n2. Take Advantage Of Your Reward Points\n\n\nWhenever you use your credit card to make a transaction, you have a reward for that \nfinancial\n activity by being awarded points. And, the more you shop or pay for things with your credit card, the more points you can accumulate. Now, depending on the policy of your credit card company, points can be traded for money or used to get goods and services for free! It is another excellent way to benefit from actively using your credit card.\n\n\n3. Don\u2019t Miss Cash Back Offers\n\n\nLike with reward points, every \ncredit card company\n has rules for using your credit card to become eligible for cashback bonuses. You must learn the rules and regulations guiding the cashback bonus your credit card issuer offers and adhere to them when making transactions. By doing this, you\u2019ll be able to take advantage of this bonus and earn some of what you spend back quickly!\n\n\n4. Plan Ahead For Your Credit Card Loan Repayment\n\n\nRemember some of those horror stories you heard? Well, things like that happen; it\u2019s usually because the credit card holder waited until after the last payment date before paying what they owed. Typically, actions like that attract penalties from credit card companies. However, when you plan carefully and settle your credit card bills a day or two in advance, you become a valuable customer to the \ncredit card company\n and become entitled to benefits like cheaper interest rates and other perks.\n\n\nBottom Line\n\n\nCredit cards\n can do you good if you use them correctly. You\u2019ll never have trouble \nmanaging your payment\n cards with the tips we\u2019ve highlighted above!\n\n\nTags:\nCredit Cards\nEMI\nLoan Repayment\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/08/25/can-i-claim-insurance-from-two-different-insurance-companies/", "title": "Can I Claim Insurance From Two Different Insurance Companies?", "body": "\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nThe short answer to this question is, \u201cYes.\u201d While this is certainly not common, you might find yourself in a position where you can validly put out a claim to different \ninsurance companies\n. This article will be briefly exploring how such scenarios tend to come about and safe practices you can employ. \nInsurance\n policies are no joke or a cheap affair. Depending on what policy you choose to take out on your valued person/property, you would be required to pay a premium, and when you want to cash in on your policy, you\u2019d mostly need to pay a deductible as well. If you were to take the same \ninsurance policy\n out from two different companies on the same piece of property, you\u2019d technically have to pay two premiums and deductibles as well. From a purely economic point of view, the above isn\u2019t very profitable for you as the insured. This is, of course, setting aside the fact that doing such can be considered highly illegal under certain circumstances. Taking out the same \ninsurance policy\n from two different insurers on the same property can be regarded as a fraudulent act, especially if you haven\u2019t duly informed both parties. If that is the case, how is it possible a person can end up filing valid claims to two different \ninsurance companies\n? The answer might surprise you.\n\n\n\n\nIf the First Insurance Company Doesn\u2019t Extend a Specific Coverage or Add-on\u2026\n\n\nYes. You can wound up taking out the same insurance package on a property if the first insurer denies you certain coverage you desire. For example, imagine you find a package you like, but for some reason, they refuse to extend business insurance to cover the vehicle\u2019s use by the other drivers you\u2019ve named in the policy. If getting business insurance to cover the other drivers in your household is very important to you, you can opt to take that insurance and then look for another insurance company that\u2019ll specifically offer you that coverage. When an accident eventually occurs, and it\u2019s time to \nfile a claim\n, you are consequently entitled to \nsubmitting claims\n to both companies and then have them sort out who\u2019ll pay what.\n\n\nDoes Filing \nInsurance Claims\n to Different Insurance Companies mean You\u2019ll Get Paid Twice?\n\nYes and No. You have the liberty of filing claims to as many insurance companies as are applicable in your case. However, whether the insurers will pay, and what they\u2019ll pay is contingent on certain factors.\n\n\nAll Insurance Companies Will Pay If:\n\n\nYou hold certain types of \ninsurance policies\n. For specific \ninsurance policies\n, like life insurance, for example, no matter how many insurers you take out the policy with, the moment you pass on, they\u2019ll pay in full.\n\n\nAll Insurance Companies Won\u2019t Pay, or Will Pay a Specific Percentage If:\n\n\nYou\u2019re not covered or if it\u2019s an indemnity policy. Keep in mind that outside certain types of insurance policies, insurance packages exist primarily for compensation, not for turning a profit. What this means for your filed claims is that one insurer will either pay out in full (if you\u2019re covered) while the other doesn\u2019t or, both insurers pay certain percentages of the payout together or at different points in time.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nTakeaway\n\n\nReceiving payout from multiple claims is ultimately dependent on the type of insurance policy you took out on your person or property. Also, regardless of how many claims you file, you will only receive a payout from insurers you are covered with. The best way to know what to expect is to go through your policy thoroughly.\n\n\nTags:\nCoverage\nInsurance Claims\nInsurance Policy\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/08/13/does-car-insurance-cover-damage-to-tires/", "title": "Does Car Insurance Cover Damage To Tires?", "body": "\n\n\n\nTo an extent, we all know what to expect from our various \ncar insurance policies\n in the event we get caught up in an accident or the vehicle\u2019s stolen or damaged. However, what about the little things? Can \ncar insurance\n possibly extend to covering expenses like damaged tires? Find out that and so much more in today\u2019s episode from the Insurance360 video series!\n\n\nWelcome! I\u2019m Fincrew brand ambassador, Stella. Every ringgit counts! Finding out if you\u2019re covered for tire damages and other minor costs can really help reduce what you pay for out-of-pocket. The Insurance360 Video Series sheds more light on little known aspects of the \ncar insurance\n world. Learn useful tips and advice when you Subscribe to our channel and enable notifications to receive updates on our videos. Once you\u2019ve done that, let\u2019s get to the gist of today\u2019s video.\n\n\nWhether you\u2019re covered for damage to your tires depends on a few factors. To start with, only \nThird Party\n, Fire and Theft, and Comprehensive \ncar insurance policies\n receive any form of this benefit. The basic Third Party vehicle insurance policy doesn\u2019t extend to repairs of any kind to your automobile. Furthermore, even with Third Party, Fire and Theft, and Comprehensive automobile policies, you still have to carefully go over the specifics of your policy coverage to check exactly what you\u2019re covered for, where issues like damages to your vehicles\u2019 tires are concerned. For instance, if your geographic location has many potholes and rough road conditions were taken into account when taking out your policy, coverage like Comprehensive \ninsurance\n can pay out if a pothole damages your tires. As we\u2019ve established, the circumstances under which the tires were damaged plays strongly into whether \ninsurance\n will cover those expenses or not.\n\n\nAs an example, your tires could be damaged as a result of a fire accident. Under such conditions, even a Third-Party Fire and \nTheft\n coverage policy will pay for the repairs, should you file a claim. Similarly, if your tires were slashed or stolen, you will be reimbursed for repairing or replacing these items by your insurance company if you\u2019re on the Third Party, Fire, and Theft, or Comprehensive car insurance policies. The reason for that is because both these policies make provisions for covering damages for non-crash situations. So basically, provided your tires were damaged as a result of any of the situations previously described, Third Party, Fire and Theft and Comprehensive car insurance policies will ensure you don\u2019t fix them out of pocket. However, should the damage to the tires occur primarily due to wear and tear, you will have to bear the financial responsibility of replacing them yourself, regardless of what coverage you\u2019re under. The same principle is applicable if you damage your tires due to driving over a sharp object. Remember that some insurers may offer \nspecial add-on packages\n you can take that will offer you coverage in these scenarios.\n\n\nAnd that\u2019s all for now! Have you Subscribed and enabled notifications for our channel yet? If you haven\u2019t, don\u2019t forget to do so now! Till then\u2013See you soon!\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nTags:\nAuto Insurance\nCar Insurance\nComprehensive Coverage\nFire and Theft Cover\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/09/what-is-takaful/", "title": "What Is Takaful?", "body": "Takaful is an Arabic term which translates to \u201csolidarity\u201d or \u201cmutual guarantee,\u201d wherein members pool their financial resources to safeguard each other against loss or damage. Takaful contract members pool collective financial resources to protect each other. Participants in a takaful contract choose to pay monthly premiums to defend them from specified misfortunes or accidents. Each participant agrees to use the total tips to compensate any group members who incur a covered loss. Takaful dates back to the early days of Islam. It was used as a social insurance practice by community members to pool resources. Sharia or Islamic religious law determines the \ntakaful\n system\u2019s guidelines and code of conduct. To be specific, \ntakaful\n adheres to Islamic principles such as welfare, shared responsibility, and cooperation.\n\n\nHow Does Takaful Work?\n\n\nIn contrast to conventional \ninsurance\n, a takaful contract involves the insurer and the insured. Each member of the Takaful group agrees to contribute or pay a premium regularly. Money is put in Sharia-compliant investments and deposited into individual accounts. When joining a takaful contract, you agree to donate a portion of your account\u2019s funds if another member suffers a loss. Likewise, your fellow members will help cover the loss if you suffer a loss. Takaful can, in practice, look similar to traditional insurance. Let\u2019s say you have a property takaful policy protecting your home. A storm damages your home and makes it uninhabitable. Fortunately, your takaful agreement covered any additional living expenses incurred following your accident. When you file a homeowners \ninsurance claim\n, you\u2019ll receive compensation for your lodging while repairs are made to your home. It may seem that takaful is the same as conventional insurance, such as homeowners coverage or \ncar insurance\n. Nonetheless, a takaful agreement is Sharia-compliant, whereas traditional insurance isn\u2019t.\n\n\nStandard Insurance Violates 3 Concepts In Islam: Gharar, Maysir and Riba\n\n\nGharar\n: Essentially, this is the concept of uncertainty, risk, or fraud involved in financial or \nbusiness\n transactions. Conventional insurance consists in paying premiums for a promise that losses are covered. Nevertheless, you may not have a loss or need to \nfile a claim\n. In this case, Gharar is violated since both parties are uncertain whether or not you will use the insurance policy.\n\n\nMaysir\n (Maisir): Maysir, or gambling, is prohibited in Islam since wealth is best derived from productive work and not from winnings from games of chance or luck. In Islam, conventional insurance is often viewed as gambling because the risk and reward are uncertain. In some cases, \ninsurance coverage\n only lasts a few months before the insured experiences a loss and receives the policy\u2019s total value. Another possibility is that a person may never need their procedure and pay premiums without ever benefitting from them.\n\n\nRiba\n: Islamic religious law prohibits riba, \u201cinterest\u201d or \u201cusury,\u201d in contracts. Traditional \ninsurance companies\n invest premiums in interest-paying bonds and funds, which violate guidelines against riba.\n\n\nWhat Does Takaful Cover?\n\n\nTakaful contracts are offered in place of conventional insurance policies to cover many of the same things. The system is usually divided into general takaful and family takaful.\n\n\nGeneral Takaful\n: A takaful contract covering your home, business, or car falls under this category. While remaining Sharia-compliant, these takaful groups operate similarly to conventional insurance companies. You can, for example, enter into a \npersonal liability\n takaful agreement that protects you from lawsuits, like private liability insurance.\n\n\nFamily Takaful\n: Family Takaful offers similar benefits to life insurance. In a \nfamily takaful\n plan, you and your family are protected from risks such as death and \nillness\n for a set period. You can also grow your savings over time. Funds contributed to \nfamily takaful\n plans flow into two separate accounts: a donation to cover takaful group losses and a personal account where funds are invested in Sharia-compliant investments.\n\n\nTags:\nFamily Takaful\nGeneral Takaful\nGharar\nMaysir\nRiba\nTakaful\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/09/21/e-hailing-extra-coverage-in-car-insurance/", "title": "E-Hailing Extra Coverage In Car Insurance", "body": "E-hailing\n has become incredibly popular in Malaysia. The passengers find \ne-hailing\n rides like Grab or MyCar better, more convenient, and often cheaper than a classic taxi. Additionally, you\u2019ll find individuals joining Grab and similar services as drivers-partners. It\u2019s an excellent chance of earning some extra money when you have free time. The problem is the money you earn can quickly turn into a loss in case of a \ncar accident\n. An irresponsible third party can cause massive damage to your vehicle in a split second. That\u2019s why you should consider \ne-hailing\n add-ons in \ncar insurance policies\n. Here is everything you should know about this extra coverage option available in Malaysia!\n\n\n\n\nWhat You Need to Have to Activate the E-Hailing Extra Coverage\n\n\nIf you want to offer an e-hailing service with your private car, it\u2019s critical to register as a driver-partner. A relevant organization should license your private vehicle for providing the e-hailing service. Those bodies include the \nCommercial Vehicle\n Licensing Board in East Malaysia or APAD \u2013 the Land Public Transport Agency. It doesn\u2019t matter if you are a full-time e-hailing driver or only provide those services as a part-time job. Many \ninsurance companies\n offer different options suitable for both categories. Your only goal is to find an optimal package that suits your preference. It\u2019s worth noting, however, that the \ninsurance\n isn\u2019t active outside the Malaysian borders. You can only use it while you are within the borders of this country.\n\n\nWhat Does The E-Hailing Extra Coverage Include?\n\n\nAlthough it depends on the actual deal you sign, your \ne-hailing extra coverage\n usually includes the following items:\n\n\n\n\nYour car getting damaged in an accident or lost \u2013 these sections are a part of your primary insurance policy. The exception is that the extra coverage activates them while your vehicle is on call.\n\n\nThird-party liability \u2013 it\u2019s another category already found in your primary insurance deal. If there\u2019s any liability to a \nthird party\n, this add-on has you covered while offering e-hailing services.\n\n\nLegal liability to passengers\n paying a fare \u2013 as an e-hailing service provider, you\u2019ll be driving passengers from the starting to finish point. They\u2019ll be spending a fare, which activates the legal liability mentioned in this policy. There are some exceptions, such as liabilities caused by the e-hailing app.\n\n\nNegligent act\n of your passengers \u2013 this involves passengers paying for the fare. If their action is deemed as negligence, this extra policy has you covered.\n\n\n\n\nApart from these, there\u2019s also the Personal Accident cover included in the \ne-hailing extra coverage\n policy.\n\n\nMore Details About The Personal Accident Cover\n\n\nIf you are an authorized driver, the PA cover protects you from \nbodily injuries\n while on call. A violent, external, and visible factor should be the reason for the injury. The cover is usually RM10,000, but the compensation might vary depending on the injury. These are the usual compensation scales:\n\n\n\n\nDeath, losing both feet or hands or sight on both eyes \u2013 100%\n\n\nLosing one hand and foot, or losing hand or foot combines with losing sight on at least one eye \u2013 100%\n\n\nLosing either foot or hand, losing sight on one eye \u2013 50%\n\n\nCompensation for surgical and medical treatments (per accident) \u2013 5%\n\n\n\n\nThese consequences should be visible within three months from the accident date. The insurance companies usually pay medical compensation once both parties agree on the total sum. This policy doesn\u2019t apply if you were intoxicated from drugs and liquor at the time of the accident.\n\n\nTags:\nAPAD\nCoverage\nE-Hailing\nLLTP\nPersonal Accidents\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/23/does-car-insurance-cover-you-if-your-car-is-broken-into/", "title": "Does Car Insurance Cover You If Your Car Is Broken Into?", "body": "\n\n\n\nThe entire purpose of getting \ninsurance coverage\n for your vehicle is to measure financial protection when the worst happens. But do you know all that your current car \ninsurance coverage\n protects you?\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nWhat Happens If Your Car Is Burgled?\n\n\nNo one exactly plans for it, but the sad reality is that car break-ins and thefts are becoming an increasingly common occurrence all over the country. A recent \ncar theft\n statistic showed that this crime had risen more than 20% in the last decade alone! Luckily, this is why \ncar insurance\n exists! However, you must keep in mind that simply because you have a valid \ncar insurance policy\n doesn\u2019t guarantee that you are insured if your car gets burgled. It is because there are different types of \ncar insurance\n. These various types of coverage, in turn, extend multiple levels of protection to your automobile. The three types of coverage available to vehicle owners are;\n\n\nThe Third Party Coverage\n\n\nAs the essential coverage policy you can get for your vehicle, you cannot get this \ntype of coverage to cover\n the cost of repairs or replacement to any stolen part of your vehicle or any item inside.\n\n\nThe Third Party, Fire And Theft Coverage\n\n\nBeing a significant step up from the previous \ninsurance coverage\n, this type of coverage offers you some measure of financial protection if someone breaks into your car. It is worth keeping in mind that the exact circumstance of the break-in factors into whether or not you get compensated for the incident.\n\n\nThe Comprehensive Coverage\n\n\nUnder \nComprehensive\n coverage, you are entitled to file a claim for a full payout if your vehicle is robbed. However, this policy will pay out for replacing parts of the \ncar stolen\n from the car during the break-in. It will replace your car stereo, wipers, and air conditioning system, but you are not entitled to any compensation if you lose your laptop due to the same incident. In essence, once you see signs of vehicle burglary and you \nfollow the standard procedure\n of reporting the incident to the authorities, you can expect a payout accordingly.\n\n\nIn conclusion, this is without a doubt the best type of coverage you can have on your vehicle should it fall victim to theft or robbery.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nBurgled\nComprehensive Coverage\nInsurance Coverage\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/15/%e5%93%aa%e4%b8%80%e7%a7%8d%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9c%80%e5%a4%9a%e5%a5%bd%e5%a4%84/", "title": "\u54ea\u4e00\u79cd\u6c7d\u8f66\u4fdd\u9669\u6700\u591a\u597d\u5904?", "body": "\n\n\n\n\u6c7d\u8f66\u4fdd\u9669\n\u4e3b\u8981\u6709\u4e09\u5927\u9879\u76ee\u3002\u8f66\u4e3b\u4eec\u53ef\u4ee5\u81ea\u884c\u9009\u62e9\u4efb\u4f55\u4e00\u79cd\u914d\u5957\u3002\u5982\u679c\u628a\u4fdd\u9669\u914d\u5957\u6bd4\u55bb\u4e3a\u5feb\u9910\u5e97\u7684\u70b9\u9910\u6a21\u5f0f\uff0c\u5c31\u5f88\u7b80\u5355\u660e\u4e86\u3002\u9996\u5148\uff0cAla Carte\uff0c\u6240\u8c13\u5355\u70b9\u4e00\u4e2a\u6c49\u5821\u7684\u610f\u601d\u3002\u5c31\u662f\u7b2c\u4e09\u65b9\n\u4fdd\u9669\u914d\u5957\n\u3002\u4ed6\u4eec\u4ec5\u4fdd\u62a4\u53d7\u5bb3\u8005\u7684\u533b\u836f\u8d39\u4e0e\u6c7d\u8f66\u7ef4\u4fee\u8d39\u3002\u672c\u8eab\u662f\u8087\u4e8b\u8005\u7684\u8f66\u4e3b\u56e0\u610f\u5916\u800c\u884d\u751f\u7684\u5404\u79cd\u8d39\u7528\u90fd\u4e0d\u5305\u542b\u5728\u5185\u54e6\uff01\u63a5\u4e0b\u6765\u662fAla Carte \u52a0\u6c7d\u6c34\u7684\u6982\u5ff5\u3002\u5c31\u662f\u7b2c\u4e09\u65b9\u52a0\u8f66\u4e3b\u672c\u8eab\u7684\u6c7d\u8f66\u7684\u706b\u9669\u4e0e\u7a83\u9669\u3002\u610f\u601d\u5c31\u662f\u9664\u4e86\u8d1f\u8d23\u7b2c\u4e09\u65b9\u7684\u8d39\u7528\u4e4b\u5916\uff0c\u8f66\u4e3b\u7684\u8f66\u5982\u679c\u906d\u53d7\u706b\u70e7\u6216\u88ab\u76d7\uff0c\u5c06\u53ef\u4eab\u6709\u8d54\u507f\u3002\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\n\u7136\u540e\u5462\uff0c\u5c31\u662fset menu \u5566\u3002\u4e00\u5957\u6c49\u5821\u52a0\u85af\u6761\u52a0\u6c7d\u6c34\u3002\u8fd9\u4e2a\u5168\u9762\u7684\u914d\u5957\u5c31\u5305\u62ec\u4e86\u4ee5\u4e0a\u4e24\u79cd\u4e4b\u5916\uff0c\u66f4\u52a0\u4e0a\u8f66\u5b50\u672c\u8eab\u5982\u679c\u56e0\u610f\u5916\u800c\u884d\u751f\u7684\u6c7d\u8f66\u7ef4\u4fee\u8d39\u7528\u3002\u57fa\u672c\u4e0a\u4e0d\u8bba\u4f60\u662f\u8087\u4e8b\u8005\u8fd8\u662f\u53d7\u5bb3\u8005\uff0c\u90fd\u53ef\u4ee5\u5411\u4fdd\u9669\u516c\u53f8\u5408\u7406\u7d22\u507f\u3002\u6700\u540e\u5462\uff0c\u662f\u6c49\u5821\u5168\u9910\u52a0\u4e0a\u751c\u70b9\u5496\u5561\u4e4b\u7c7b\u7684\u914d\u5957\u3002\u5c31\u662f\u8bf4\u4ee5\u4e0a\u5168\u9762\u7684\n\u4fdd\u9669\u914d\u5957\n\u518d\u52a0\u4e0a\u989d\u5916\u4fdd\u969c\uff0c\u5982 \u6c7d\u8f66\u6321\u98ce\u73bb\u7483\u3001\u5929\u707e\u3001\u8f66\u5185\u4e58\u5ba2\u7684\u4f24\u4ea1\u8d39\u7528\u3001\u8fd8\u6709\u53ef\u4ee5\u4fdd\u969c\u8f66\u4e3b\u4ee5\u5916\u7684\u9a7e\u9a76\u4eba\u6240\u9020\u6210\u7684\u7b2c\u4e09\u65b9\u635f\u5bb3\u8d54\u507f\u3002\u8fd9\u4e5f\u79f0\u4e3a\u6e10\u8fdb\u5f0f\u8f66\u9669\uff0c\u8ba9\u8f66\u4e3b\u53ef\u4ee5\u968f\u81ea\u5df1\u7684\u9700\u8981\u9010\u6e10\u589e\u52a0\u989d\u5916\u4fdd\u969c\u3002\u8bf4\u4e86\u90a3\u4e48\u591a\uff0c\u8be5\u9009\u54ea\u4e00\u79cd\u624d\u597d\u5462\uff1f\u5982\u679c\u4f60\u6709\u9884\u7b97\u7684\u8bdd\uff0c\u6700\u597d\u7684\u914d\u5957\u5f53\u7136\u662f\u5168\u9762\u4fdd\u9669\u52a0\u989d\u5916\u4fdd\u969c\u5566\uff01\u5176\u5b9e\u4e5f\u53ef\u4ee5\u6839\u636e\u4f60\u6c7d\u8f66\u7684\u5e02\u4ef7\u6765\u51b3\u5b9a\u4fdd\u5355\u989d\u5ea6\u3002\u989d\u5ea6\u8d8a\u9ad8\uff0c\u4fdd\u8d39\u81ea\u7136\u66f4\u9ad8\u3002\u91cd\u70b9\u662f\u5982\u679c\u8fd9\u8f86\u8f66\u662f\u4f60\u957f\u671f\u4ee3\u6b65\u7684\u8f66\uff0c\u8dd1\u8fdc\u8def\uff0c\u5f00\u591c\u8f66\u4e4b\u7c7b\u7684\u8bdd\uff0c\u5f53\u7136\u662f\u7b2c\u56db\u79cd\u6700\u591a\u4fdd\u969c\u5566\u3002\u4f60\u600e\u4e48\u8bf4\u5462\uff1f\u4e0b\u65b9\u7559\u8a00\u548c\u6211\u4eec\u804a\u804a\u597d\u5417\uff1f\n\n\nTags:\n\u4fdd\u9669\n\u4fdd\u9669\u914d\u5957\n\u6c7d\u8f66\u4fdd\u9669\n\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/05/10/understanding-ctos-a-comprehensive-guide/", "title": "Understanding CTOS: A Comprehensive Guide", "body": "Are you familiar with how credit reporting services like CTOS work? Here are the basics.\n\n\nWhat Is CTOS?\n\n\nFounded in 1992, \nCTOS\n is a Credit Reporting Agency (CRA) regulated by the Registrar of Credit Reporting Agencies, Ministry of Finance, and covered by the Credit Reporting Agencies Act 2010, which took effect in 2010. In addition to collecting information regarding the creditworthiness of individuals and \nbusinesses\n, \nCTOS\n also provides a portfolio of credit risk management services. Malaysian \nfinancial\n institutions, telecommunication companies, insurance companies, small and medium-sized enterprises, and legal firms use CTOS\u2019s services extensively. In contrast to \nCCRIS\n, administered by Bank Negara Malaysia (BNM), CTOS is owned and managed by a Malaysian company and has been in business for over 20 years, collecting information from various official sources on individuals and companies.\n\n\nCTOS Data are from the following sources:\n\n\n\n\nCompanies Commission of Malaysia (CCM) or Suruhanjaya Syarikat Malaysia (SSM)\n\n\nThe Central Bank of Malaysia (\nCCRIS\n)\n\n\nOnline court listings and newspaper legal notices\n\n\nPublications and gazettes of the government\n\n\nInsolvency\n searches at the Malaysian Department of Insolvency (MDI) or the Malaysian Insolvency Agency (JIMA)\n\n\nData from the Registrar of Societies (ROS)\n\n\nContact details provided by creditors, litigators, and trade referees\n\n\nSubjects voluntarily provide their information\n\n\n\n\nThey compiled information into an electronic database that makes assessing loan applications, trade, and business credits and making decisions easy, quick, and efficient for credit grantors and lenders. A CTOS Score report costs RM25.\n\n\nWhat Is CTOS Not?\n\n\nIt is strictly forbidden for CTOS to block anyone. Ultimately, the company will provide its subscribers with credit information, and lenders or credit grantors will determine whether credit applications will be approved. In making these decisions, lenders consider their risk appetite and business policies and strategies. CTO offers no opinion or recommendation that influences these decisions. There is another misconception about CTOS regarding handling personal data by a private agency, which can be highly sensitive and potentially dangerous, especially if it ends up in the wrong hands. As mandated by the CRA Act 2010, the CTOS may collect and process information pertinent to credit evaluation. Users, however, have restricted access to this information.\n\n\nIs CTOS Going To Update Its Database?\n\n\nA CTOS database is regularly updated based on information from statutory bodies, subscribers, and publicly available sources such as newspaper articles, publications, and court filings. In addition, it accepts requests for information updates and provides sufficient proof and the appropriate documentation.\n\n\nWhat Is The Retention Period Of The Records?\n\n\nCRA Act 2010 allows CTOS to keep the record as a historical archive of your background and credit history for 24 months. However, after two years from the date of full repayment or settlement, it will not reflect in your CTOS report. CTOS can also help protect you from fraud and scams and provide you with your latest credit score! In CTOS SecureID, CTOS offers new fraud protection and credit monitoring services designed to combat the growing issue of identity theft, fraud, and scams and monitor the health of consumers\u2019 credit. Upon finding your info on the dark web, the system will alert you and send you a notification. If you choose to protect yourself, you can change your passwords or close certain accounts, among other measures. You\u2019ll also benefit from RM20,000 in \ntakaful\n coverage for financial losses from fraudulent transactions.\n\n\nTags:\nCCRIS\nCompanies Commission of Malaysia\nCTOS\nSuruhanjaya Syarikat Malaysia\nTakaful\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/12/07/what-is-commercial-vehicle-insurance/", "title": "Commercial Vehicle Insurance", "body": "In Malaysia today, car insurance comes in all forms, shapes and specifications. Having a working grasp on what is what, and how the various \nvehicle insurance\n policies are relevant to you goes a long way in helping you make the best decisions, insurance policy-wise. As a driver familiar with the basics of how transportation works in the country, you must\u2019ve heard a thing or two about \ncommercial vehicle insurance\n.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat Is It? How Is It Different From Regular Car Insurance?\n\n\nIs there some particular benefit I can get for opting for this form of insurance? These questions and more might\u2019ve crossed your mind. Here, you\u2019ll receive a basic rundown of what \ncommercial vehicle insurance\n is and if it\u2019s for you.\n\n\nCommercial Vehicle Insurance Explained\n\n\nSimply put, commercial \nvehicle insurance\n is the policy you take out on vehicles (taxis, trucks, tippers, etc.) that you use in running a business. Consequently, as the name suggests, you get this \ntype of insurance\n to cover damages caused by/to a vehicle you use for commercial purposes.\n\n\nWhat Does It Cover?\n\n\nAt its core, commercial vehicle \ninsurance covers\n the same things that the vehicle insurance you know protects. That is, with commercial vehicle insurance you also get the classic \nThird Party\n, Third Party, Fire and Theft or Comprehensive coverage, depending on your preference.\n\n\nThird-Party Coverage\n\n\nBecause no vehicle can be on the road without insurance, the Third Party Coverage is the most elementary insurance policy you can take out on vehicle/vehicles you employ in any capacity for your \nbusiness\n. In keeping with the primary purpose of insurance which is to soften the financial blow from any accident, this policy covers compensation (to a certain extent) if your business vehicle damages\n\nanother individuals\u2019 property or vehicle. Third-Party insurance strictly doesn\u2019t cover beyond that.\n\n\nThird-Party, Fire and Theft\n\n\nThe Third Party, Fire and Theft insurance policy is a significant upgrade from the elementary Third Party insurance coverage. Beyond simply ensuring that you don\u2019t have to cover the larger percentage of the cost of damages resulting from a \nroad accident\n out-of-pocket, it also serves to shield the insured (your business vehicle) if it is ever involved in a fire incident or falls prey to theft.\n\n\nComprehensive Policy Package\n\n\nGetting a comprehensive \ninsurance policy\n for your commercial vehicle combines all the features of the basic Third Party package plus the coverage of the Third Party, Fire and Theft. It introduces new and unique features of its own as well. For instance, neither of the above of the packages above extends coverage to your commercial vehicle if it is vandalized. Also, the Comprehensive helps you insure the vehicle should it be involved in the act of nature, such as a storm that wrecks it.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nHow Exactly Does It Work?\n\n\nSimilar to when you drive your car, accidents occur, whether you plan for it or not. Commercial vehicle insurance helps you get ahead of this eventuality and protects you from suffering major financial loss. Depending on the scope of your business and your choice as a business owner, you can opt to have the commercial insurance cover just a single vehicle or the entire fleet as a whole. To sum up, taking a commercial vehicle \ninsurance policy\n secures your business and serves as a much-needed financial shock-absorber that will always come in handy! So take a look in-house, determine what type of policy will serve your needs and go for it.\n\n\nTags:\nCommercial Vehicle Insurance\nComprehensive Coverage\nFire and Theft Cover\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/07/20/bagaimana-premium-insurans-auto-dikira/", "title": "Bagaimana Premium Insurans Auto Dikira?", "body": "\n\nDengan purata lebih dari 5.000 kemalangan jalan raya yang berlaku di Malaysia setiap tahun, kepentingan untuk memiliki \npolisi insurans\n yang sah tak dapat dipertikaikan lagi. Tapi, pernahkah anda terfikir bagaimana sebenarnya cara premium yang perlu anda bayar untuk insurans kenderaan itu dikira?\n\n\nDalam episod hari ini, anda akan mengetahui semua perkara yang berkaitan dengan pengiraan \npremium insurans\n auto anda. Helo! Dan selamat datang ke satu lagi episod menarik dalam siri Video Insurans360. Saya Yuna duta jenama Fincrew akan membimbing anda dalam memahami bagaimana \npremium insurans\n yang anda bayar itu dikira. Dapatkan alat, kemahiran dan pengetahuan terkini yang anda perlukan untuk memanfaatkan semua peluang dalam dunia \ninsurans kenderaan\n hari ini! Untuk mendapatkan maklumat berharga ini, tekan butang \u2018Subscribe\u2019 dan aktifkan notifikasi dengan segera! Seperti yang telah diketahui oleh pemilik kenderaan di Malaysia, terdapat banyak polisi kenderaan yang boleh dipilih pada hari ini. Tambahan lagi, pilihan yang ada ini terus meningkat setiap hari. Tapi, persoalannya tetap ada.\n\n\nBagaimana Premium Untuk Setiap Polisi Ini Dikira?\n\n\nApakah perkara yang dipertimbangkan oleh syarikat insurans dalam proses penilaian premium ini? Sebagai permulaan, ada 5 perkara yang memainkan peranan berbeza dalam pengiraan premium anda. Ini termasuklah:\n\n\nNilai Pasaran Kenderaan Anda\n\n\nSeiring dengan usia kenderaan anda, nilai pasarannya akan berkurangan perlahan-lahan. Ini sekaligus bakal mempengaruhi nilai insurans yang harus anda bayar.\n\n\nDiskaun Tanpa Tuntutan (NCD) Anda\n\n\nSemua orang pasti sukakan pemilik kenderaan yang baik. Ini termasuklah \nsyarikat insurans\n. Apabila anda memandu dengan selamat dan mengikuti langkah berjaga-jaga, anda pasti kurang terdedah dengan apa-apa yang boleh merosakkan kenderaan anda. Ini bermakna anda tidak akan memfailkan tuntutan. \nSyarikat insurans\n akan memberikan ganjaran ini kepada anda. Jika \nNCD\n anda itu mampu bertahan sehingga 5 tahun, anda boleh menikmati diskaun sehingga 55% untuk insurans tersebut!\n\n\n\n\nPolisi Insurans Anda\n\n\nApa yang anda bayar sebagai premium juga berbeza mengikut jenis polisi yang anda ambil untuk kenderaan anda. Pemandu dengan polisi insurans Komprehensif cenderung untuk membayar lebih berbanding pemegang polisi insurans Pihak Ketiga, dan juga polisi Pihak Ketiga, Kebakaran dan Kecurian.\n\n\nLokasi Geografi Anda\n\n\nBergantung kepada di mana anda tinggal dan memandu, premium insurans anda mungkin lebih tinggi atau rendah.\n\n\nKapasiti Enjin Kenderaan Anda\n\n\nHari ini keupayaan enjin kenderaan anda turut memainkan peranan penting bagi premium insurans anda di negara ini. Semua perkara di atas sangat mempengaruhi kos premium insurans anda. Sebagai contoh, jika anda mengira premium akhir yang perlu anda bayar untuk pelindungan komprehensif, ia adalah :\n\n\nPremium kasar anda + 6% GST + Duti Setem RM10.00 + Sebarang perlindungan tambahan yang anda ambil. Sama juga, anda boleh mendapatkan nilai premium yang anda bayar untuk premium pelindungan Pihak Ketiga, Kebakaran dan Kecurian anda dengan mengira, 75% Premium Pelindungan Komprehensif \u2013 25% \nNCD\n + 6% GST + Duti Setem RM10.00. Sekarang anda sudah tahu rahsia di sebalik pengiraan premium insurans! Jangan lupa yang anda mempelajarinya di sini!\n\n\nTags:\nDiskaun Tanpa Tuntutan\nEnjin Kenderaan\nPerlindungan Komprehensif\nPremium Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/28/two-main-types-of-personal-accident-insurance-policies/", "title": "Two Main Types Of Personal Accident Insurance Policies", "body": "True to its name, life is unpredictable. You could be having a great time one minute, and the next, something dreadful could happen. Things can go wrong anytime and anywhere without prior warning. In such a case, your finances could be left in a bind. As such, a \npersonal accident insurance\n policy is recommended. When an insured person dies or suffers bodily harm in an accident, their insurance policy provides financial assistance. In this article, we cover all the essentials of \npersonal accident insurance\n.\n\n\nWhat Is Personal Accident Insurance?\n\n\nThe Personal \nAccident Insurance policy covers the cost of death, dismemberment, or significant disability caused by an accident while on the road\n. In addition, these policies cover hospitalization, hospital confinement, and medical expenses. Individuals who frequently travel for work should have \nPersonal Accident Insurance coverage\n.\n\n\nWhat Is The Purpose Of Getting a Personal Accident Policy?\n\n\nEvery day, accidents happen, and there is always a crash risk given the road and traffic conditions. No matter how safe you are, you can get into an accident because of someone else\u2019s negligence. A \nPersonal Accident policy\n is essential for covering the risk of an accident on the road. Besides road accidents, several accidents can happen in the workplace, primarily if you work in a high-risk setting such as a factory with heavy machinery. The results of any mishap can result in severe injuries or even \ndeath in extreme cases\n. Having a \npersonal accident policy\n is therefore advisable. In the event of an accident, it will help you obtain \nfinancial\n assistance.\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nTypes Of Personal Accident Insurance Policies\n\n\nPersonal accident insurance\n comes in two forms:\n\n\nIndividual Accident Insurance\n\n\nIn case of accident damage, an individual can receive benefits from this policy. This type of \ninsurance covers accidental death\n, loss of sight or limb, or other permanent disabilities caused by accident. This plan is best for self-employed individuals, salaried employees, and \nbusiness\n owners. Some insurers also offer educational benefits as part of their policies. When a child\u2019s parents die or a permanent total disability claim is filed, the child is entitled to receive education benefits at a government-approved educational institution.\n\n\nGroup Accident Insurance\n\n\nEmployers often purchase this type of \ninsurance\n to provide coverage for their employees. The low cost of obtaining these policies makes them good incentives for small businesses. When compared with individual accident insurance plans, group accident insurance provides limited benefits. In most cases, however, insurers offer \ncomprehensive\n coverage in the event of death or partial or total disability of the insured.\n\n\nWhat Are The Benefits Of a Personal Accident Policy?\n\n\n\n\nEnsures that your loved ones and family have the security of financial stability.\n\n\nNo additional tests and documents are required over and above what is already in place.\n\n\nA wide range of coverage is available at much more affordable rates.\n\n\nTwo types of plans are available, one for the individual and one for the family.\n\n\nGlobal coverage is provided.\n\n\nThe process of making a \nclaim\n is smooth and easy.\n\n\nThe customer support centers are available 24 hours a day, seven days a week.\n\n\nCustomize the policy to meet your needs.\n\n\n\n\nTags:\nDismemberment\nGroup Accident Insurance\nIndividual Accident Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/08/03/do-you-get-car-insurance-per-vehicle-or-person/", "title": "Do You Get Car Insurance Per Vehicle Or Person?", "body": "Are you a complete newbie to the motor \ninsurance\n world? Do you plan on purchasing a new vehicle, and you wonder whether you will need a new policy? These are all reasons why you might think if \ncar insurance\n is typically for a person or car. That is why we designed a guide aiming to help to clarify all dilemmas in this area. Although the professionals often debate this topic, the truth is the following \u2013 you get a \nmotor \ninsurance\n policy primarily per car. Now, your policy\u2019s specifics might cover different persons, but the general rule is that a single policy refers to a single vehicle. However, while estimating the premium you need to pay for the \ninsurance policy\n, companies will often analyze both the driver and the vehicle. Furthermore, most of them put more focus on the driver.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat Factors Affect The Car Insurance Price?\n\n\nThe deal you choose will affect the price. For example, the basic policy covering only third-party damage will have a cheaper premium than a comprehensive policy that includes Own Damage Claim and other extras. However, our topics are the factors that affect the \ncar insurance\n premium apart from the actual policy you choose. Here is an overview of what could affect how much you pay:\n\n\n\n\nYour driving history\n \u2013 the insurance provider will check the information about your driving history. For example, new drivers aren\u2019t trusted, which is why they will pay more than drivers with a few years of experience (if they didn\u2019t cause any accidents). If you have prior accidents where you were to blame, that also deems you a higher risk, and you can expect to pay a higher premium.\n\n\nNo claims discount\n \u2013 if you are a regular and renew the deal with the same insurance provider, you can go for the \nNo Claim Discount (NCD)\n. NCD is available for all those who renew the policy for multiple years but don\u2019t file any claims during that time.\n\n\nCar specifics\n \u2013 is it a new vehicle or an older model? Additionally, any modifications could also affect the premium, as well as information about previous \nthefts\n.\n\n\n\n\nHere is something that could reduce your \ncar premium price\n \u2013 the fact that you want to insure another vehicle with the same company. If that is the case, you might expect a discount offered by the insurance agent.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nCan More Drivers Be On A Single Car Insurance Policy?\n\n\nHere is a situation \u2013 you are a parent who bought a car for their child going to college. Not only they earned the reward, but it will be more convenient to drive to and from school. However, you want the policy to be in your name because you are the official vehicle\u2019s owner. It\u2019s possible to use the Name Driver policy and add other drivers to the deal in those situations. It\u2019s possible to add up to five name drivers, which should be sufficient for most people. However, adding any number of drivers beyond the first two is charged. Despite that, it could be worth adding them because not including them is a risk. The insurance can use the unnamed driver excess policy and charge MYR400 for accidents where an unnamed person was behind the wheel.\n\n\nTags:\nCar Insurance\nInsurance Policy\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/19/what-does-car-insurance-cover/", "title": "What Does Car Insurance Cover?", "body": "\n\n\n\nWhether you just recently joined the pool of vehicle owners in the country or just haven\u2019t had that much time to go over the details of your \ncar insurance\n policy, you may find yourself asking;\n\n\n\n\nWhat does my car insurance cover exactly?\n\n\nWhat is the benefit of even having coverage?\n\n\nWhat events am I not insured for?\n\n\n\n\nHi there! I\u2019m Stella and I\u2019m Fincrew brand ambassador. In today\u2019s video, I\u2019ll be sharing with you on the details of your \ncar insurance coverage\n, all you\u2019re not insured against, and what you can do to help yourself get the best coverage available in Malaysia.\n\n\nYou spend a lot on your \ncar \ninsurance coverage\n yearly. Isn\u2019t it high time to learn more about it? Don\u2019t want to stress yourself while you do so? Then make sure you follow the Insurance360 Video Series! It\u2019s informative, engaging, and breaks the complexities of \nvehicle insurance\n down into digestible bits! All you have to do is click on the Subscribe icon right now and turn on your notification settings, so you see our videos the moment it\u2019s posted here!\n\n\nThe first thing you need to know when deliberating the extent of your \ncar insurance coverage\n is that it is entirely dependent on what policy you sign on with your insurer. By extension, this means that what you\u2019re financially protected by is directly tied to which of the three common types of insurance packages you took out on your vehicle. As such, if you took out a Third-Party Coverage, the only protection you can expect is that should you get involved in an accident that resulted in damage to the vehicle, person, or property of another individual, you won\u2019t have to cover those expenses out of your own pocket. As a result, if you damaged your vehicle or your own person through that \naccident\n, you would have to see to fixing that out-of-pocket. However, if you are on a \nThird Party\n, Fire and Theft Coverage, you can expect a little more financial protection from your insurer.\n\n\n\n\nNot only will they cover all the expenses of the third party involved in the accident, but you also have the opportunity to file a claim if your vehicle gets stolen or vandalized. In addition to this, should your vehicle be involved in a fire accident, you won\u2019t have to bear the cost of repairs or replacement by yourself. As you would expect, the \nComprehensive\n Coverage Package offers an even more extensive range of protection for subscribers. In addition to taking care of all the two previous packages, it gives you a measure of financial backup if your vehicle gets damaged as a result of a collision. However, that is if and only if you weren\u2019t the at-fault driver. Now that you know all the scenarios that the various car insurance packages cover, here are some events that standard insurance policies don\u2019t cover you for. No car insurance covers you in the event of:\n\n\n\n\nBodily injury or your own death,\n\n\nBodily injury or death of your passenger,\n\n\nThe \ntheft\n of retro-fitted accessories to your vehicle,\n\n\nDamage to your car due to acts of nature like a flood\n\n\nDamage or loss of your car as a result of wear and tear.\n\n\n\n\nAnd now, you know all your insurance covers. If you have questions you\u2019d like us to answer, don\u2019t hesitate to drop them in the comments section below! Have you liked this video and subscribed to our channel yet? Don\u2019t forget to do so before you leave! I look forward to seeing you in the next video!\n\n\nTags:\nComprehensive Coverage\nCoverage\nFire and Theft Cover\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/02/%e6%b8%90%e8%bf%9b%e5%bc%8f%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%a8%a1%e5%bc%8f%e5%88%b0%e5%ba%95%e6%9c%89%e4%bb%80%e4%b9%88%e5%a5%bd%e5%a4%84/", "title": "\u6e10\u8fdb\u5f0f\u6c7d\u8f66\u4fdd\u9669\u6a21\u5f0f\u5230\u5e95\u6709\u4ec0\u4e48\u597d\u5904\uff1f", "body": "\n\n\u4e4b\u524d\u4e3a\u5927\u5bb6\u8bb2\u89e3\u8fc7\n\u6c7d\u8f66\u4fdd\u9669\n\u7684\u79cd\u7c7b\u3002\u4eca\u5929\u65e5\u5b89\u5c31\u7279\u522b\u4e3a\u5927\u5bb6\u6df1\u5165\u63a2\u8ba8\u4f55\u8c13\u6e10\u8fdb\u5f0f\n\u4fdd\u9669\n\u4ee5\u53ca\u5230\u5e95\u6709\u4ec0\u4e48\u597d\u5904\u5462\uff1f\u6e10\u8fdb\u5f0f\n\u4fdd\u9669\n\u662f\u5f53\u4f60\u6709\u5168\u9762\u4fdd\u9669\u914d\u5957\u4e86\uff0c\u4f46\u662f\u8fd8\u6709\u5176\u4ed6\u7279\u522b\u7684\u9700\u8981\uff0c\u5c31\u53ef\u4ee5\u5411\u4fdd\u9669\u516c\u53f8\u52a0\u8d2d\u5404\u79cd\u4e0d\u540c\u7684\u989d\u5916\u9879\u76ee\uff0c\u4ee5\u8fbe\u5230\u66f4\u5168\u9762\u7684\u4fdd\u969c\u3002\u6bd4\u5982\u8bf4\u6c7d\u8f66\u6321\u98ce\u955c\u5728\u9a6c\u6765\u897f\u4e9a\u5c31\u7279\u522b\u91cd\u8981\uff0c\u56e0\u4e3a\u6211\u4eec\u5e38\u5e38\u542c\u5230\u6709\u4eba\u906d\u9047\u652b\u593a\u6848\uff0c\u5c24\u5176\u662f\u5728\u4ea4\u901a\u706f\u7b49\u5f85\u7684\u65f6\u5019\uff0c\u5e38\u6709\u4eba\u88ab\u6572\u7834\u8f66\u955c\uff0c\u593a\u53d6\u8d22\u7269\u3002\u56e0\u6b64\u6863\u98ce\u955c\u7684\u4fdd\u9669\u8fd1\u5e74\u6765\u7279\u522b\u53d7\u6b22\u8fce\u3002\n\n\n\u8fd8\u6709\u4e00\u9879\u7279\u522b\u53d7\u5173\u6ce8\u7684\u662f\u7279\u522b\u5929\u707e\u4fdd\u9669\u3002\u56e0\u4e3a\u5168\u9762\u4fdd\u9669\u662f\u4e0d\u5305\u542b\u4efb\u4f55\u5929\u707e\u5bfc\u81f4\u6c7d\u8f66\u7684\u635f\u574f\u7684\u3002\u90a3\u6c34\u707e\u548c\u571f\u5d29\u751a\u81f3\u98ce\u707e\u5bfc\u81f4\u7684\u635f\u4f24\u4e25\u91cd\u8d77\u6765\u751a\u81f3\u53ef\u4ee5\u8ba9\u6c7d\u8f66\u62a5\u5e9f\u4e86\u3002\u6240\u4ee5\u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u8fd9\u7c7b\u989d\u5916\u4fdd\u969c\u4e5f\u6df1\u53d7\u5e02\u573a\u6b22\u8fce\u3002\u5982\u679c\u4f60\u4e0d\u5c0f\u5fc3\u628a\u8f66\u5b50\u9a76\u5165\u4f17\u4eba\u793a\u5a01\u7684\u73af\u5883\uff0c\u6216\u672c\u6765\u5c31\u505c\u5728\u90a3\u91cc\uff0c\u53ef\u662f\u65e0\u7aef\u7aef\u906d\u53d7\u793a\u5a01\u8005\u7684\u7834\u574f\uff0c\u90a3\u4e5f\u6709\u7684\u989d\u5916\u52a0\u8d2d\u7684\u54e6\uff01\u90a3\u5982\u679c\u4f60\u628a\u8f66\u501f\u7ed9\u5bb6\u4eba\u670b\u53cb\u9a7e\u9a76\uff0c\u901a\u5e38\u4ed6\u4eec\u4e0d\u4f1a\u6709\u4efb\u4f55\u5229\u76ca\u4fdd\u969c\uff0c\u4e5f\u5c31\u662f\u8bf4\u5982\u679c\u4ed6\u4eec\u9a7e\u9a76\u7684\u8fc7\u7a0b\u5f53\u4e2d\u53d1\u751f\u4efb\u4f55\u610f\u5916\uff0c\n\u4fdd\u9669\u516c\u53f8\n\u90fd\u4e0d\u4f1a\u7406\u8d54\uff0c\u9664\u975e\u4f60\u6709\u628a\u4ed6\u4eec\u7684\u540d\u5b57\u5217\u4e3a\u8fd9\u8f86\u8f66\u7684\u9a7e\u9a76\u4eba\uff0c\u624d\u53ef\u4ee5\u63a5\u53d7\u7406\u8d54\u3002\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\n\u6700\u540e\uff0c\u4e58\u5ba2\u7684\u6cd5\u5f8b\u8d23\u4efb\u4e5f\u7b97\u662f\u53ef\u4ee5\u52a0\u8d2d\u7684\u4e00\u9879\uff0c\u6bd4\u5982\u8bf4\u4f60\u5b69\u5b50\u5728\u4f60\u505c\u4e86\u8f66\u8fc7\u540e\u5927\u529b\u5f00\u95e8\uff0c\u5bfc\u81f4\u9694\u58c1\u7684\u8f66\u53d7\u635f\uff0c\u4e5f\u53ef\u4ee5\u5411\u4f60\u7684\n\u4fdd\u9669\u516c\u53f8\n\u7d22\u8d54\u3002\u66f4\u5938\u5f20\u7684\u4f8b\u5b50\u5982\u4e58\u5ba2\u4ece\u8f66\u91cc\u4e22\u51fa\u5783\u573e\u5bfc\u81f4\u540e\u65b9\u8f66\u8f86\u6709\u635f\u4f24\uff0c\u4e5f\u53ef\u4ee5\u7d22\u507f\u3002\u6240\u4ee5\u4f60\u4eec\u770b\u4e86\u90a3\u4e48\u591a\u7279\u522b\u7684\u597d\u5904\uff0c\u6709\u4ec0\u4e48\u770b\u6cd5\u5462\uff1f\n\n\n\u00a0\n\n\nTags:\n\u4fdd\u9669\u516c\u53f8\n\u6c7d\u8f66\u4fdd\u9669\n\u6e10\u8fdb\u5f0f\u4fdd\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/10/ensure-your-tablets-with-gadget-insurance/", "title": "Ensure Your Tablets With Gadget Insurance", "body": "Mobile tablets are all-purpose devices to use for both work and play. As a result, these devices have numerous uses, ranging from sending and receiving emails to watching movies and videos. Damage to such multi-utility devices can be very inconvenient since they are expensive. It is wise to ensure the tablet because of this. With \ngadget Insurance\n, you can protect your handheld tablet against financial losses caused by damage, \ntheft\n, electrical failures, or mechanical breakdowns.\n\n\nWhat\u2019s Covered?\n\n\nStandard Fire And Special Perils Cover\n\n\nYou can protect yourself against fire explosions, explosions, lightning, \nriots and strikes\n. In addition, \nfile a claim\n for the loss or damage caused by natural disasters such as floods, earthquakes, typhoons, and more.\n\n\nAccidental Damage Cover\n\n\nYou can obtain financial protection if you accidentally damage your handheld tablet while using it on the premises (within the coverage area). You can get replacement or repair coverage up to the amount insured.\n\n\nBurglary And Robbery Cover\n\n\nIf your insured premises are the victim of an actual or attempted robbery, you may be covered for losses or damages.\n\n\nBreakdown Cover\n\n\nThe device is covered for repairs when a mechanical or electrical failure occurs. For this to apply, the device must be in your possession at the time of breakdown. As a reminder, \ninsurance coverage\n is provided per the invoice value, up to a maximum sum insured.\n\n\nWhat\u2019s Not Covered?\n\n\nUninsured Tablets After 30 Days of Purchase\n\n\nIf you fail to get your Handheld \nTablet Insurance\n within 30 days of its purchase, you cannot \nclaim\n the benefits.\n\n\nDeductibles\n\n\nEvery claim is subject to a deductible, which amounts to the first 5% of the claim amount. It is applicable except where specifically modified and altered by the insurer and mentioned in the Certificate of Insurance.\n\n\nDamage Caused By Pollution\n\n\nThe plan does not cover pollution or contamination of the device.\n\n\nTerrorism-Related Damage\n\n\nWe cannot cover any direct or indirect loss, damage, cost, or expense resulting from terrorist activity.\n\n\nWhy Choose Fincrew Gadget Insurance?\n\n\nFincrew \ngadget insurance\n is an incredibly affordable and \ncomprehensive\n \ntablet insurance\n plan that provides excellent protection for all owners. It\u2019s easy, convenient, and affordable. If your device was damaged, lost, or stolen, Fincrew gives you a refurbished replacement the next day. Fincrew offers the following benefits:\n\n\nYou Don\u2019t Need To Go On Without A Tablet For Long\n\n\nWith our help, you can be assured your tablet will be fixed or replaced as quickly as possible so that you can enjoy it again as soon as possible.\n\n\nYou Need To Take Control Of Your Insurance Coverage\n\n\nLife circumstances change, things go out of style, and technology upgrades. That\u2019s why we have a policy designed just for you. We offer \ngadget insurance\n on a pay-as-you-go basis.\n\n\nWe Have An In-house Claims Team and an Online Portal\n\n\nWhether you have a question or a claim, our call handlers can assist you with every aspect of our product.\n\n\nOne Policy Can Cover Up to 10 Gadgets\n\n\nHaving just one gadget isn\u2019t very common. Therefore, our coverage covers a full range of items and up to 10 items per policy.\n\n\n\n\nTags:\nAccidental Damage Cover\nBreakdown Cover\nBurglary And Robbery Cover\nComprehensive Coverage\nDevice Insurance\nHandheld Tablet Insurance\nSpecial Perils\nTablet Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/22/apakah-penjelasan-mudah-mengenai-insurans-kereta/", "title": "Apakah Penjelasan Mudah Mengenai Insurans Kereta?", "body": "\n\nMendapatkan insurans, mengekalkannya dan memperbaharui polisi apabila perlu merupakan amalan standard bagi pemilik kenderaan. Namun, adalah selamat untuk mengatakan bahawa ramai pemandu yang tidak begitu tahu tentang \ninsurans kenderaan\n melainkan perkara asas sahaja.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nApakah Sebenarnya Insurans Kereta?\n\n\nPada dasarnya, \npolisi insurans auto\n merupakan kontrak bertulis antara anda dan syarikat insurans yang melindungi anda daripada menanggung kerugian kewangan jika kenderaan anda mengalami kerosakan atau insiden kecurian. Sebagai balasan, anda perlu membayar apa yang disebut Premium. Perlu diingatkan sejauh mana pelindungan yang diberikan \nsyarikat insurans\n kepada anda adalah bergantung kepada jenis pelan pelindungan yang anda ambil bersama mereka. Di Malaysia terdapat tiga jenis \ninsurans kereta\n iaitu:\n\n\nPerlindungan Pihak Ketiga\n\n\nMengikut peraturan pemanduan di negara ini, anda mesti memiliki \npolisi insurans auto\n sebelum memandu kenderaan anda di jalan raya. Ini merupakan pelindungan paling sedikit yang boleh anda ambil untuk kenderaan anda. Ia juga adalah yang paling murah. Bagaimanapun, skop pelindungan adalah minimum kerana anda hanya diinsuranskan untuk kerosakan kepada harta benda, kenderaan serta individu lain, tidak lebih dari itu.\n\n\nPerlindungan Pihak Ketiga, Kebakaran Dan Kecurian\n\n\nIni merupakan penambahbakan kepada \npelindungan asas Pihak Ketiga\n untuk pemandu yang sanggup membayar lebih sedikit. Perlu dinyatakan bahawa mendapatkan polisi ini adalah mengikut pilihan masing-masing. Beberapa faedah melakukannya termasuklah hakikat bahawa anda diinsuranskan terhadap kerugian kewangan sekiranya kenderaan anda rosak akibat kebakaran dan kecurian. Tapi, anda tidak diinsuranskan untuk membaiki kenderaan anda sekiranya ia rosak akibat kemalangan.\n\n\nPerlindungan Komprehensif\n\n\nIni merupakan polisi pelindungan paling luas dan mahal yang anda boleh ambil untuk kenderaan anda hari ini. Anda bukan sahaja dilindungi sepenuhnya dari segi kewangan sekiranya berlaku kerosakan pada kenderaan atau harta benda Pihak Ketiga, tetapi anda juga tidak perlu mengeluarkan duit poket anda sendiri sekiranya kereta anda mengalami kerosakan akibat kebakaran atau kecurian. Anda juga diinsuranskan untuk pembaikan jika kereta anda rosak akibat pelanggaran, dengan syarat anda bukan pihak yang bersalah. Untuk menuntut bayaran, anda perlu membuat laporan polis terlebih dahulu dalam tempoh 24 setelah kemalangan. Seterusnya, pindahkan kenderaan anda ke bengkel panel syarikat insurans anda atau syarikat insurans pemandu yang bersalah bergantung kepada kejadian kemalangan. Anda kemudian perlu menggunakan khidmat \u2018Adjuster Berlesen Bebas\u2019 untuk membantu anda menilai perkara-perkara seperti kos kerosakan dan pampasan yang sesuai untuk jangka masa yang anda perlukan tanpa kenderaan.\n\n\nSetelah itu, anda perlu bersedia dengan:\n\n\n\n\nSalinan asal laporan polis anda\n\n\nKeputusan laporan anda\n\n\nSalinan kad pengenalan dan \nlesen memandu\n anda\n\n\nKad pendaftaran kereta anda\n\n\nLaporan penyelaras, bil kos pembaikan dan bukti bergambar mengenai kemalangan tersebut\n\n\n\n\nDan hanya itu yang perlu anda ketahui mengenai insurans auto buat masa ini! Adakah anda mempunyai sebarang soalan mengenai \ninsurans kereta\n di Malaysia setakat ini? Tinggalkan di bahagian komen di bawah, dan kami akan respons segera!\n\n\nTags:\nInsurans Auto\nInsurans Kenderaan\nInsurans Kereta\nInsurans Pihak Ketiga\nKomprehensif\nPelindungan Komprehensif\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/17/compassionate-care-benefits-in-insurance-explained/", "title": "Compassionate Care Benefits In Insurance Explained", "body": "A loved one\u2019s death or the threat of death is one of the most challenging times for anyone. While looking after a gravely ill family member can be stressful both at work and home, you shouldn\u2019t be forced to choose between keeping your job and caring for your family. In such circumstances, insurance companies believe you should not have to choose between taking care of your family and keeping your job. It is where \ncompassionate care benefits\n come into play.\n\n\nWhat Is Compassionate Care Benefits Insurance Policy?\n\n\nThe compassionate care benefit is a type of Employment Insurance (El) benefit paid to people who must temporarily leave work to care for or support a close family member who is terminally ill. The family member has a significant risk within 26 weeks (six months). Therefore, beneficiaries may receive \ncompassionate care benefits\n for a maximum of six weeks.\n\n\nWho Is Considered As a Caregiver?\n\n\nAn individual who provides care or support to critically ill, injured, or in need of end-of-life care is considered a caregiver.\n\n\nWho Is Considered a Family Member?\n\n\nCompassionate care benefits are available for a wide range of family members-both, both your own and those of your spouse or common-law partner. As well as receiving benefits for caring for a family member, you can also receive compassionate care benefits for caring for a close friend or neighbor suffering from a grave illness.\n\n\nWhat Is Considered a Critically Ill Or Injured Person?\n\n\nWhen someone is critically ill or injured, their baseline state of health has significantly changed due to their illness or injury. Consequently, they are at risk of death and need the support of one or more caregivers to maintain their life. Therefore, physicians or nurse practitioners must certify that they meet these criteria. Caregiver benefits are not available for individuals with chronic medical conditions unless their health significantly changes due to a new life-threatening event.\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nWho Can Apply?\n\n\nYou are eligible for compassionate care benefits for up to six weeks. If you provide support to a gravely ill family member within 26 weeks, you can qualify for human care benefits for up to six weeks. You can also apply for compassionate care benefits if you are unemployed and receiving EL benefits. You must be able to show the following to qualify for compassionate care benefits:\n\n\n\n\nThere has been a decrease of over 40 percent in your regular weekly earnings; and\n\n\nSince starting your last claim (the qualifying period), you have accumulated 600 insured hours of work.\n\n\n\n\nPlease Note\n\n\nYou will need more insured hours to claim compassion care benefits if you have previously received El benefits and received a written notice (such as a warning letter or penalty letter) for making a false statement.\n\n\nCan I Take Compassionate Care Leave Without Losing My Job?\n\n\nIn this type of situation, companies usually provide job protection for their employees. The definition of a family member varies from company to company. Before applying for compassionate care leave, be sure you have \njob protection from your employer\n.\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nIs It Possible To Share Compassionate Care Benefits?\n\n\nShare your six-weeks \ncompassionate care\n benefits with other family members. However, each family member must apply and receive the benefits. You and your family members should know the number of weeks you will take to apply for \ncompassionate care\n benefits. Each family member may \nclaim\n benefits at any time during the 26 weeks, either simultaneously or separately.\n\n\nTags:\nCompassionate Care\nCompassionate Care Benefits\nCritical Illness\nEmployment Insurance System\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/02/everything-you-need-to-know-about-koperasi-loans/", "title": "Everything You Need To Know About Koperasi Loans", "body": "Koperasi Loans\n are arguably one of the most popular \npersonal loans in Malaysia\n. However, they aren\u2019t very well understood. Considering this, we\u2019ve decided to highlight the most important features of this loan type. Here\u2019s everything you need to know.\n\n\nCompare Personal Loan In Fincrew\n\n\nWhat Are Koperasi Loans?\n\n\nAlso referred to as cooperative loans, they\u2019re a type of personal financing scheme offered by Foundations (Yayasan) that are available only to civil servants working in different arms of the government. This loan type is under the Cooperatives Act of 1993.\n\n\nManagement Of Koperasi Loans\n\n\nThese loans are usually managed or funded by cooperatives in Malaysia. They create these credit facilities either directly from their funds or source them from other \nfinancial\n institutions. Because of this, the resources of these institutions are somewhat limited. Some local banks that cooperatives rely on for funding in Malaysia include RHB Islamic IDSB and CIMB Koputri, among others.\n\n\nEligibility For Koperasi Loans\n\n\nAs we mentioned earlier, \nkoperasi loans\n are almost exclusively for civil servants\u2014individuals in this category range from those who work to employees of government-linked agencies and institutions. In addition, individuals should have been in the service of the said government agency for a minimum of six (6) months. Otherwise, they don\u2019t \nqualify for this loan\n either.\n\n\nCredit Criteria For Koperasi Loan Application\n\n\nUnlike most personal loans, the credit requirements for securing a \nkoperasi loan\n aren\u2019t too steep. One likely reason is that it configures the repayments to deduct from the borrowers\u2019 monthly automatically, so there\u2019s less risk of non-payment. You\u2019ll have less trouble securing this type of loan even if you currently have a high debt service ratio (DSR) or other current and demanding payment commitments.\n\n\nDocuments Required For Loan Application\n\n\nDepending on the corporative loan provider, you may need to present several documents before the paperwork for the loan can be finalized. Some documents most \nkoperasi loan\n providers typically ask for include;\n\n\n\n\nA clear photocopy of your National Registration Identity Card (NRIC)\n\n\nValid bank statements\n\n\nPay slip for the last three (3) months\n\n\nA verified letterhead from your government employer\n\n\nA valid copy of Tenaga, ASTRO, or any other utility bill\n\n\nA clear photocopy of your savings account book (the specifics of this may vary, depending on the lender).\n\n\n\n\nLoan Tenure\n\n\nAlso, unlike most \npersonal loans\n, you get a significantly longer loan repayment time frame with koperasi. It is because the loan tenure can stretch as long as ten (10) years. In contrast, it\u2019s tough to get more than seven (7) years with conventional loans.\n\n\nBottom Line\n\n\nLike every other legitimate loan, you won\u2019t be asked for any upfront payment to secure a koperasi loan. Where transactional fees apply, this is usually debited from the loan sum, making this type of loan more than ideal for most city workers. See one of the best \nkoperasi loans in Malaysia\n right now here.\n\n\nTags:\nCIMB Koputri\nCooperative Loan\nCooperatives Act of 1993\nKoperasi Loan\nPersonal Loan\nRHB Islamic IDSB\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/11/15/apakah-cara-terbaik-untuk-menukar-syarikat-insurans/", "title": "Apakah Cara Terbaik Untuk Menukar Syarikat Insurans?", "body": "\n\nIa berlaku lebih kerap daripada apa yang anda fikirkan. Anda mempunyai \nsyarikat insurans auto\n yang sangat bagus kepada anda selama bertahun-tahun. Tiba-tiba, anda mendapati bahawa harganya lebih tinggi daripada yang sepatutnya. Anda tidak dapat mengakses \ndiskaun\n tertentu atau perkhidmatan mereka sudah tidak sebagus dulu. Walau apa pun, anda sudah tahu sudah tiba waktunya untuk anda bertukar \nsyarikat insurans\n. Tapi, bagaimana untuk anda melakukannya? Memahami proses ini sangat penting kerana inilah satu-satunya cara anda boleh menukar \nsyarikat insurans\n dengan betul. Kami akan membimbing anda melalui langkah-langkah yang akan membantu anda untuk mencapai tujuan anda dengan mudah!\n\n\nSelamat datang! Saya (nama) duta jenama Fincrew. Dalam episod Siri Video Insurans360 kali ini, saya akan berkongsi maklumat penting yang anda perlukan untuk membantu anda membuat pertukaran yang lancar dari syarikat insurans semasa anda kepada \nsyarikat insurans auto\n terbaik untuk anda! Jadilah yang pertama menonton lebih banyak lagi video berguna seperti ini! Apa yang anda perlu lakukan adalah tekan ikon \u2018Subscribe\u2019 dan aktifkan notifikasi supaya anda dapat menonton video hebat kami sebaik sahaja ia dimuat naik. Jika anda sudah melakukannya, berikut merupakan 5 langkah kami untuk membantu anda dalam mendapatkan syarikat insurans serta polisi kenderaan terbaik di luar sana!\n\n\nLangkah 1- Terokai Dan Pertimbangkanlah Pilihan Baru Terlebih Dahulu\n\n\nAmbil sedikit masa untuk meneliti pelbagai \njenis pelindungan\n di luar sana. Perkara terakhir yang ingin anda lakukan adalah keluar dari polisi pelindungan yang teruk dan kemudian memilih polisi pelindungan yang lebih teruk lagi. Mencari polisi pelindungan yang tepat akan membaiki semua perkara anda tidak berpuas hati dengan pelindungan semasa anda.\n\n\nLangkah 2- Pilih Masa Yang Sesuai\n\n\nBila berkaitan dengan \ninsurans\n, masa adalah sangat penting. Oleh sebab anda tidak boleh memandu kenderaan anda tanpa \npelindungan insurans\n anda tidak boleh membuang sahaja polisi semasa anda sebelum mengaktifkan polisi baru. Tempoh \npolisi insurans\n juga adalah berbeza-beza, bergantung kepada di mana anda mengambil insurans. Ini merupakan perkara penting yang perlu dipertimbangkan, terutamanya jika anda berpindah dalam tempoh ini. Oleh itu, pastikan anda mencari masa untuk proses menukar syarikat insurans secepatnya.\n\n\nLangkah 3- Hubungi Syarikat Insurans Semasa Anda\n\n\nDalam situasi tertentu, syarikat insurans semasa anda mungkin bersedia untuk berunding bagi memastikan anda kekal bersama mereka. Sebelum menyelesaikan pertukaran tersebut, anda boleh menghubungi syarikat insurans semasa anda untuk menekankan masalah yang anda hadapi. Sekiranya mereka sanggup bertolak ansur, hebat! Jika tidak, pastikan untuk bertanya sekiranya terdapat sebarang penalti apabila menukar pelindungan anda sebelum tarikh ia berakhir.\n\n\nLangkah 4- Teliti Pilihan Baru Anda Secara Meluas\n\n\nSetelah melihat pilihan anda dan mencari syarikat insurans kenderaan baru, jangan terburu-buru untuk menandatangani sebarang polisi baru. Pastikan anda meluangkan masa untuk meneliti syarikat insurans baru itu untuk mencari sebarang tanda amaran. Anda juga boleh melihat ulasan tentang syarikat tersebut daripada sumber-sumber yang boleh dipercayai, mendengar pendapat daripada ahli yang pernah dan sedang diinsuranskan.\n\n\nLangkah 5- Pastikan Insurans Semasa Anda Dibatalkan Dan Ambil Langkah Terakhir\n\n\nJangan membuat sebarang andaian di sini, kerana menjalankan dua polisi insurans penuh secara serentak boleh membawa kepada implikasi undang-undang yang serius. Pastikan anda berhubung dengan syarikat insurans semasa anda dan pastikan mereka telah membatalkan pakej anda secara sah sebelum menandatangani kontrak akhir dengan syarikat insurans baru anda. Sekarang anda telah tahu semua yang perlu anda ketahui untuk menukar syarikat insurans dengan efektif. Jika anda mahukan lebih banyak informasi, tinggalkan kami dengan tanda \u2018Like\u2019 dan komen di bawah. Pastikan anda \u2018Subscribe\u2019 dan aktifkan notifikasi supaya anda tidak terlepas video menarik dalam siri video Insurans360 ini! Nantikannya!\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nTags:\nInsurans Auto\nInsurans Kereta\nSyarikat Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/21/things-you-should-consider-before-applying-for-a-personal-loan/", "title": "Things You Should Consider Before Applying For a Personal Loan", "body": "From taking heavy pay cuts to outright dismissal from places of employment, thanks to the effects of the pandemic, many Malaysians have suddenly found themselves in need of a source of funds to cater to rising bills. Because of this, one option people end up considering is whether to take a \npersonal loan\n or not. Like all things, \ntaking a personal loan\n has its pros and cons. On the pro side, you can get this sort of fund from most \nfinancial\n institutions without having to leave any form of collateral. On the flip side, if you aren\u2019t careful and take this type of loan for the wrong reasons, you may find yourself in a very uncomfortable position.\n\n\nWhy?\n\n\nBecause right now, personal loans are Malaysia\u2019s leading cause of bankruptcy! Considering this, let\u2019s look at specific motivations that may lead people to get a \npersonal loan\n and their possible outcomes.\n\n\nGetting a Personal Loan To Buy Something Special\n\n\nTaking a trip to Hawaii to unwind from the \npandemic\u2019s\n stress isn\u2019t a bad idea, nor is getting that special someone a surprise package from The Straits Finery. You don\u2019t want to use a personal loan to fund such expenditures! You should only take on any debt if it\u2019s unavoidable. So, consider saving towards such goals if you want to treat yourself and a loved one. It will take longer, but you\u2019re sure to avoid crippling and unnecessary debt.\n\n\nCompare Personal Loan In Fincrew\n\n\nGetting a Personal Loan To Pursue An Investment Opportunity\n\n\nApplying for a loan\n to cash in on investment opportunities is one of those ideas that sound great and practical until you take the time to think things through thoughtfully. All you need to realize this is one look at the highly unpredictable volatility of the investment world. For example, in Nov of 2021, 1 Bitcoin was worth $68 991. As of May 2022, 1 Bitcoin is only $28 305, less than half its value six months before! Moreover, this \ncryptocurrency\n\u2019s value will keep falling unless an unexpected global event happens. What would happen to someone who took a personal loan to invest in Bitcoin in November today? Your guess is as good as ours!\n\n\nGetting a Personal Loan To Pay Off Multiple Credit Card Debts\n\n\nIt isn\u2019t a bad idea \u2013 as long as the interest rate of the personal loan is lower than that of the credit card(s) debt you\u2019re paying. However, this isn\u2019t always a given as some personal loans have been known to carry heavy interest rates that easily rival credit cards!\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nBottom Line\n\n\nTaking a personal loan\n can help your financial situation considerably, but only if you do it for the right reasons and read the fine print carefully. Also, no matter what you do, never take loans from a loan shark, as such dealings are illegal and can turn deadly fast!\n\n\nTags:\nBankruptcy\nCredit Card Debts\nCredit Cards\nInvestment\nLoan Shark\nPersonal Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/04/how-personal-loan-affect-your-credit-score/", "title": "How Personal Loan Affect Your Credit Score", "body": "Getting a \npersonal loan\n might be a good idea if you need cash for an emergency or large purchase or if you cannot make payments on your credit card debt, you might consider a \npersonal loan\n. Your credit rating can be impacted positively or negatively by a personal loan, depending on how you use it. This article aims to help you decide if you should apply for a personal loan based on how it affects your credit score.\n\n\nCheck your company eligibility & apply business loan online.\n\n\nHow a Personal Loan Helps Your Credit Rating\n\n\nPersonal loans can increase your \ncredit score\n, making approval easier for future loans and financial products. Personal loans can improve your \ncredit score\n in the following ways:\n\n\nEstablish a Good Credit History\n\n\nWhen determining whether you will be able to repay a new \nloan\n, lenders look at your credit report for indicators of your payment history. For example, making timely monthly payments on a personal loan will appear on your credit report, increasing your \ncredit score\n. Your payment history accounts for about 35% of the credit score.\n\n\nCompare Personal Loan In Fincrew\n\n\nDevelop a Credit Mix\n\n\nPersonal loans can add to your credit mix, boosting your credit score. Your credit mix comprises different \nfinancial\n products, contributing 10% to your credit score. Therefore, we can have diverse \ncredit cards\n, loans, and other accounts with improved credit scores. In addition, you can raise your credit score by paying off a personal loan and other financial products. They have reduced credit utilization. Your credit utilization ratio lets lenders determine how much revolving credit you\u2019re using compared to how much credit you have. A lender cannot determine how well you handle debt if you don\u2019t use any of your available credit. The lenders may be reluctant to lend you money if you max out your credit score because they feel you have too much debt to manage. Generally, you should use less than 30% of your credit limit. Personal loans can help reduce your credit utilization ratio \u2013 since they are installment loans, they don\u2019t factor into credit score calculations. Consolidating your credit card debt that exceeds 30% of your available credit can help your credit score and lower your credit utilization ratio. The credit utilization ratio represents 30% of your credit score under \u201camounts owed.\u201d\n\n\nCompare and apply for the best credit cards\n\n\nHere\u2019s How Personal Loans Can Hurt Your Credit Score\n\n\nCredit cards, loans, and other types of credit are typically dependent on your credit report, which lenders use to determine your credit risk. Access requests create a hard inquiry on your credit report that remains for two years. Your credit score can drop slightly after a tricky question. Still, it will recover within a few months to one year, and the effect will diminish over time as you continue to pay your bills on time and demonstrate other good credit behaviour. You can also negatively affect your credit score if you fail to make even one payment on a personal loan. A missed payment will significantly affect your credit score since payment history accounts for 35% of your credit score. While you may be able to stay on top of your loan payments, they could stress your other finances and put you at greater risk of credit score damage due to \nlate payments\n on different accounts.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nLastly, adding a personal loan to your debt will increase the \u201camounts owed,\u201d accounting for 30% of your FICO Score. You may not be a risky borrower if you owe money \u2013 and it will not lower your credit score \u2013 but high credit card balances and loans with large balances left to pay off can hurt your credit. Furthermore, while the debt-to-income ratio (DTI) isn\u2019t considered in credit score calculations, having a high DTI can make it challenging to \nqualify for loans\n, like mortgages, where lenders specifically consider the DTI.\n\n\nFincrew enables you to compare personal loan in minutes\n without affecting your credit score so that you can apply for a loan with confidence.\n\n\nTags:\nCredit Cards\nCredit Score\nDebt To Income\nFICO\nPersonal Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/16/things-you-need-to-know-about-epf-withdrawals/", "title": "Things You Need To Know About EPF Withdrawals", "body": "If you\u2019re currently in a financial pinch or want to know as much as possible about the \nEPF or Employees Provident Fund program\n, one thought that\u2019s likely to have crossed your mind is finding out how the EPF withdrawal system works. Here, we\u2019ll be breaking down all you need to know about the EPF, how it works, and everything involved in getting your money out of the program.\n\n\nWhat Is EPF?\n\n\nEPF\n is short for \nEmployees Provident Fund\n and refers to a government program run by the Ministry of Finance. The primary goal is to ensure that employees have something saved for when they\u2019re at a certain age or unable to work again for whatever reason.\n\n\nHow Does Yhe EPF Work?\n\n\nThis retirement savings scheme works differently, depending on the individuals involved. For example, in all cases, \nEPF\n automatically deducts 11% of your monthly salary at the end of each moment. However, if you earn less than RM 5 000, your employer should contribute 13% of your salary to this program. But, in cases where you make above the RM 5 000 benchmarks, your employer is required to contribute only 12% instead. Recently, EPF has worked for people in the gig economy and even stay-at-home moms!\n\n\nWithdrawing From Your EPF\n\n\nUnder ideal circumstances, this retirement savings scheme allows withdrawals only when an individual is 55. The primary reason is that you should take the proceeds from this account and use them to support yourself in your golden years. There are a few instances where you\u2019re legally allowed to tap into this account at an earlier age, as long as you meet specific requirements.\n\n\nRequirements For Withdrawing From Your EPF Prematurely\n\n\nSome provisions allow you to take out some or all of your savings before age 55 under certain circumstances. Before delving into these circumstances, it\u2019s vital to mention that your EPF is into two different accounts. You can\u2019t withdraw from either of these accounts unless;\n\n\n\n\nYou\u2019ve saved above the required sum for your age and want to transfer the \nexcess\n to a fund manager for further investment.\n\n\nYou\u2019re a civil servant who started the EPF program before putting you on the government\u2019s pension plan.\n\n\nFor any reason, you become mentally or physically disabled and cannot work anymore.\n\n\nYou intend to relocate from Malaysia finally.\n\n\nYou become deceased, and your beneficiary gets your savings.\n\n\nYou must cover housing loans, \nHajj\n expenses, or medical bills.\n\n\n\n\nWhat To Remember\n\n\nNo matter the reason, make sure you think long and hard before dipping into your \nEmployees Provident Fund\n, as this can have far-reaching effects!\n\n\nTags:\nEmployees Provident Fund\nEPF\nHajj\nMinistry of Finance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/25/what-is-socso-and-why-its-so-important/", "title": "What Is SOCSO And Why It\u2019s So Important?", "body": "Also known as PERKESO, SOCSO is short for Social Security Organization. Under the Employee\u2019s Social Security Act 1969, this scheme, like the Employee Provident Fund (EPF), requires you to put away a small sum at the end of each month. And, also like the EPF, your employer is obligated to do the same. Your \nSOCSO\n contribution is directly dependent on your salary. You can check your status at any \nSOCSO\n branch or via eSemak. That way, you can quickly know everything is as it should be with your account.\n\n\nWhat Are The Perks Of The SOCSO Program?\n\n\nAn individual can benefit from one of two schemes under this program. These are:\n\n\nThe Employment Injury Scheme\n\n\nIndividuals qualify for benefits under this scheme if they suffer a temporary disablement that renders them unfit or unable to work for a minimum of four (4) days. The perks or benefits will continue from the start until the employer has fully recovered. Some of the privileges you can enjoy under this package include;\n\n\n\n\nMedical and healthcare benefits.\n\n\nTemporary and permanent disablement benefits.\n\n\nConstant attendance allowances.\n\n\nRehabilitation facilities for physical and vocational treatment.\n\n\nEducation benefits\n.\n\n\nFuneral benefits.\n\n\nDependent\u2019s benefits.\n\n\n\n\nThe Invalidity Scheme\n\n\nEmployees can only get dividends from this category if an injury has been deemed permanent and incurable after treatment. The benefits that can be accessed here include;\n\n\n\n\nAn invalidity pension payout.\n\n\nAn invalidity grant.\n\n\nA survivors pension grant.\n\n\nEducation benefits\n.\n\n\nReturn to work programs.\n\n\nFuneral benefits.\n\n\nRehabilitation facilities for dialysis and physical and vocational treatment.\n\n\n\n\nWhat Makes SOCSO So Important?\n\n\nPerhaps you can\u2019t afford to dispense with this program because it gives you a low-cost yet highly effective safety net. So, while having \ninsurance\n is good, calling on SOCSO to cover medical treatment and follow-up care can save you even more money! The best part of this program is the wide range of situations it covers in. For example, you can file a SOCSO \nclaim\n if you had injuries during an authorized meal break!\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nFiling a SOCSO Claim\n\n\nSo, if the worst happens and you get injured. At the same time, on the job, you or your employer must inform SOCSO of this development by filing the Accident Report or Form 21 and the Submit A Claim Form aka Form 10. In addition, you will also have to tender a punch card or other attendance records, a copy of your valid identification card, and your medical certificate to the nearest SOCSO branch. And they will settle your bills!\n\n\nTags:\nEmployee Provident Fund\nEPF\nPERKESO\nSOCSO\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/05/17/%e5%bd%b1%e5%93%8d%e4%bf%9d%e9%99%a9%e8%b4%b9%e7%9a%843%e5%a4%a7%e8%a6%81%e7%b4%a0/", "title": "\u5f71\u54cd\u4fdd\u9669\u8d39\u76843\u5927\u8981\u7d20", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u662f\u5426\u6709\u60f3\u8fc7\u4e3a\u4ec0\u4e48\u4f60\u7684\u4fdd\u9669\u8d39\u4f1a\u548c\u4f60\u7684\u5bb6\u4eba\u6216\u670b\u53cb\u5404\u4e0d\u76f8\u540c\uff0c\u5373\u4fbf\u662f\u8f66\u5b50\u578b\u53f7\u4e00\u6837\u6216\u662f\u5f00\u8f66\u7ecf\u9a8c\u4e00\u6837\u3002\u5176\u5b9e\uff0c\u6709\u975e\u5e38\u591a\u7684\u56e0\u7d20\u90fd\u4f1a\u5f71\u54cd\u4f60\u7684\n\u4fdd\u9669\u8d39\n\uff0c\u65e0\u8bba\u662f\u53ef\u63a7\u5236\u7684\u3001\u6216\u8005\u4e0d\u53ef\u63a7\u5236\u7684\u3002 \u4eca\u5929\u7684\u5f71\u7247\u5c06\u4f1a\u4e3a\u4f60\u5206\u6790\u662f\u4ec0\u4e48\u56e0\u7d20\u4f1a\u5f71\u54cd\u4f60\u7684\n\u4fdd\u9669\u8d39\n\u3002\n\n\n\u7b2c\u4e00\u3001\u4eba\u53e3\u56e0\u7d20\n\n\n\u8fd9\u662f\u4e00\u4e2a\u975e\u5e38\u590d\u6742\u7684\u56e0\u7d20\u3002\u4eba\u53e3\u56e0\u7d20\u5305\u542b\u7740\u6027\u522b\u3001\u5e74\u9f84\u3001\u5a5a\u59fb\u72b6\u6001\u3001\u5730\u7406\u4f4d\u7f6e\u3001\u4fe1\u7528\u8bb0\u5f55\u7b49\u7b49\uff0c\u90fd\u4f1a\u5f71\u54cd\u4f60\u7684\u4fdd\u9669\u8d39\u3002 \u6bd4\u5982\u8bf4\u5e74\u8f7b\u7537\u6027\u7684\u8f66\u7978\u7387\u6bd4\u5e74\u8f7b\u5973\u6027\u7684\u8f66\u7978\u7387\u6765\u7684\u9ad8\uff0c 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\u6c7d\u8f66\u7684\u4fdd\u9669\u8d39\u4f1a\u6bd4\u4f7f\u7528V4\u5f15\u64ce\u7684\u5c0f\u578b\u6c7d\u8f66\u7684\u4fdd\u9669\u8d39\u6765\u7684\u9ad8\u3002\u518d\u6765\uff0c\u8f66\u9f84\u4e5f\u662f\u5173\u952e\u6027\u56e0\u7d20\u3002\u8f66\u9f84\u4ecb\u4e8e2-5\u5e74\uff0c\u4fee\u7406\u8d39\u8f83\u5c0f\uff0c\u4fdd\u9669\u8d39\u4e5f\u76f8\u8f83\u4e8e\u6bd4\u8f83\u4f4e\u3002\u8f66\u9f845\u5e74\u4ee5\u4e0a\uff0c\u56e0\u8f66\u5b50\u7684\u6027\u80fd\u51cf\u4f4e\uff0c\u4fee\u7406\u8d39\u4e5f\u8f83\u9ad8\uff0c\u4fdd\u9669\u8d39\u4e5f\u76f8\u5bf9\u4e8e\u63d0\u9ad8\u3002\n\n\n\u7b2c\u4e09\u3001\u4e2a\u4eba\u884c\u9a76\u56e0\u7d20\n\n\n\u5982\u679c\u4f60\u66fe\u7ecf\u53d1\u751f\u4e8b\u6545\u3001\u6536\u5230\u7f5a\u5355\u6216\u662f\u63d0\u53d6\u7d22\u8d54\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u56e0\u4e3a\u8fd9\u4e9b\u56e0\u7d20\u800c\u63d0\u9ad8\u4f60\u7684\u4fdd\u9669\u8d39\u3002\u8fd9\u662f\u56e0\u4e3a\u4fdd\u9669\u516c\u53f8\u8ba4\u4e3a\u4f60\u53d1\u751f\u4e8b\u6545\u673a\u7387\u6bd4\u5176\u4ed6\u540c\u5e74\u9f84\u7684\u8f66\u4e3b\u6765\u7684\u9ad8\u3002 \u5982\u679c\uff0c\u4f60\u7684\u884c\u9a76\u8bb0\u5f55\u6076\u52a3\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u4e0d\u4f1a\u8ba9\u4f60\u6295\u4fdd\u3002\u4ee5\u4e0a\u5c31\u662f\u5f71\u54cd\u4fdd\u9669\u8d39\u7684\u4e09\u5927\u8981\u7d20\uff0c\u5305\u62ec\u4e86\u4eba\u53e3\u56e0\u7d20\u3001\u6c7d\u8f66\u56e0\u7d20\u548c\u4e2a\u4eba\u884c\u9a76\u56e0\u7d20\u3002\u5e0c\u671b\u4eca\u5929\u7684\u89c6\u9891\u8ba9\u4f60\u66f4\u4e86\u89e3\u8f66\u9669\u7684\u54a8\u8be2\uff01\n\n\n\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\n\u00a0\n\n\nFincrew Official Youtube\n\n\nTags:\n\u4eba\u53e3\u56e0\u7d20\n\u4fdd\u9669\u8d39\n\u6c7d\u8f66\u4fdd\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/03/19/different-wheel-drive-explained/", "title": "Different Wheel Drive Explained", "body": "Sometimes you see some car terminologies, and you find it hard to understand its meaning. Although you can easily discard its purpose and leave it for the car freaks; however, you should know what you are driving or probably going to drive and how its specifications will affect you. So when you are in the hunt for a new car, there are some essential things you need to put into consideration before making your final decision. One of such is the right drivetrain. This largely depends on the roads you will be plying every day. There are four different types of drivetrain- All Wheel Drive (AWD), Front Wheel Drive (FWD), Rear Wheel Drive (RWD), and Four Wheel Drive (4WD), each having its advantages and disadvantages. They all act differently on various surfaces, which largely depends on the type of \u201cWheel Drive\u201d they offer, making them quite interesting and useful. So let\u2019s try to understand the difference between all these wheel drives.\n\n\nFront Wheel Drive (FWD)\n\n\nFront \nwheel drive\n is the most common \nwheel drive\n found in many cars across the globe today. As the name implies, it means that the engine\u2019s power is channeled towards the front wheels of your car. That is, the front wheels are pulling the vehicle. FWD is mostly used because it has a very compact system that uses little space inside the cabin. The bulk of the weight is positioned over the front wheels, therefore allowing better road traction at all times, especially in bad weather conditions. Front wheel drive systems are less complex, which makes it a lot cheaper to manufacture than other drivetrains. It is mostly found in economy vehicles because it offers better fuel efficiency and emits less carbon dioxide since it has a lower weight. FWD is also very responsive to steering movement as the final drive is directly attached to it. Though FWD has some problems of its own, like being nose-heavy, brittle due to half shafts and CV joints, and the issue of Torque steer.\n\n\nRear Wheel Drive (RWD)\n\n\nVirtually all the things about the front wheel drive are the direct opposite for vehicles with rear wheel drive. RWD cars transfer all of their power towards the car\u2019s rear wheels, and the rear wheels push the car forward. In the early 80s, RWD used to be very popular, until the arrival of FWD. RWD cars create a better balance of weight and provide more horsepower than FWD, the reason why sports cars, law enforcement pursuit cars, and high-performing sedans are RWD. RWD was built with a solid shaft across its body, the reason it can take a lot of beating without any significant damage; however, they offer poor traction and can slip easily on poor weather conditions such as rain or snow.\n\n\nFour Wheel Drive (4WD)\n\n\nIn a 4WD system, the power from the engine is delivered to all four wheels. The system splits power between the front and rear wheels so that maximum torque is going to each wheel and can operate in an RWD format to conserve fuel. The primary benefit of a Four wheel vehicle is that it combines the benefit of both FWD and RWD, i.e., it provides the versatility and power to take on any terrain or weather condition. The only disadvantage is that it operates only in RWD mode and thus has less traction than an \nAll Wheel Drive\n.\n\n\nAll Wheel Drive (AWD)\n\n\nAll wheel drive\n is similar to a four wheel drive. They both use all four wheels; however, AWD operates on FWD most of the time. The system split power between the front and rear wheels on the center differential to get power to the wheels with the most traction. This is done automatically without the \ndriver\u2019s intervention\n. Irrespective of your drivetrain choice, remember it is essential to keep your vehicle in good condition and always have a good set of spare tires.\n\n\nTags:\nAll Wheel Drive\nFour Wheel Drive\nFront Wheel Drive\nRear Wheel Drive\nWheel Drive\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/08/30/tender-value-and-sum-insured/", "title": "Tender Value And Sum Insured", "body": "Have you only purchased a vehicle and you are looking for the best car \ninsurance deal\n? Are you having problems with understanding some terms related to the insurance policy, especially those related to the car\u2019s value? Insurance users are often having problems understanding the \u201csum insured\u201d and how it can be different from the \ntender value\n and the cost you paid for the vehicle. Let\u2019s try to explain the difference between \ntender value\n and sum insured.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat Is The Sum Insured?\n\n\nOnce the \ninsurance company\n offers you a contract, make sure to read it before signing the policy. A crucial thing to consider will be the \u201csum insured.\u201d That term refers to the maximum amount that the car insurance company is ready to pay over the specified policy time. For example, you will sign a \ncar insurance policy\n deal for 12 months. If the \nsum insured\n is RM30,000, that is the maximum insured amount for your vehicle. It is the maximum payable sum that the insurer can pay for \nclaims\n that meet the policy requirements.\n\n\nHow To Determine The Sum Insured?\n\n\nHere is a good question \u2013 how do you determine the \nsum insured\n for your vehicle? The crucial factor to rely on is the current market value. Now, the current market value depends on many factors. Those could include:\n\n\n\n\nMileage \u2013 the general rule is that fewer miles equal higher market value. The idea is that a car with lower mileage (for example, 50,000 kilometers) is in better condition than the one that passed 150,000 kilometers.\n\n\nOverall interior and exterior condition \u2013 any visible damage or missing parts could affect the market value. Also, regular servicing could add to the value of the vehicle.\n\n\nAdd-ons and other modifications \u2013 did you change any component on the car or added a modification? That could both increase or decrease the price, depending on what you changed.\n\n\nHow long you have been driving it \u2013 the general rule is that older vehicles have a lower market value than new cars.\n\n\n\n\nThe insurance company and the user should agree on the value of the vehicle that will be insured. That is known as the Agreed \nValue of the car\n. This estimation must match the actual market value of the vehicle. If you agree to a significantly smaller value estimation, the payout limit might not be able to \ncover the actual damages\n your vehicle suffers in an accident.\n\n\nWhat Is A Tender Value?\n\n\nBefore deciding on the tender value, we need to consider what a tender is. A tender is a process where public companies or institutions offer other parties to perform work or buy assets or property from them. For example, the Malaysian government published a vehicle fleet tender and attracted big company names. Each tender will have specific conditions. Every bidder needs to meet them so that they have a chance of their bid getting accepted. The institution that published the tender will accept single or multiple winning bids, depending on the terms.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nThe tender value is the estimated cost for providing services or buying properties covered in the tender. If we are discussing vehicles, the tender value might be similar to the sum insured. However, that doesn\u2019t have to be the case always. It will always vary from one situation to another and depend on various factors related to the particular vehicle.\n\n\nTags:\nAgreed Value\nInsurance Policy\nSum Insured\nTender Value\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/15/3-biggest-credit-score-pitfalls-and-how-to-avoid-them/", "title": "3 Biggest Credit Score Pitfalls And How to Avoid Them", "body": "The most significant indication of your financial health is your \ncredit score\n at any given point. Suppose you need to make sure that you do all you can to safeguard it for no other reason\u2014one of the things you need to see to avoid common credit mistakes down that road. When you know how to safely bypass the common errors that stall your financial progress or even hurt your \ncredit score\n, you\u2019ll be able to move freely towards any monetary goal you set! Down that road, here are three of the biggest mistakes that every Malaysian should be aware of regarding their credit.\n\n\nOne \u2013 Checking Your Credit Report Only When There\u2019s a Sign of Trouble\n\n\nFinancially\n speaking, your credit report contains all the data of note about you. Some of its contents include;\n\n\n\n\nYour credit score\n\n\nYour Central Credit Reference Bureau Information System (CCRIS) data\n\n\nLitigation\n\n\nBusiness\n interests\n\n\nDirectorship, to mention a few.\n\n\n\n\nWhenever there\u2019s a problem with even one of these areas, it\u2019ll reflect in your \ncredit report\n immediately, even before you get proper notice. However, if you don\u2019t check your report and eventually find out through a formal notification, it might be late to save the situation by then.\n\n\nThe Solution\n\n\nChecking your \ncredit\n report at regular intervals ensures that you\u2019re on top of things. With the regular updates you\u2019ll get from it; you can be proactive when dealing with any problem.\n\n\nTwo \u2013 Not Making Timely Bill Payments\n\n\nAnother great way to quickly ruin your credit is to be delinquent with your bill payments. However, most Malaysians don\u2019t often consider that payment history is constantly documented. What\u2019s more, it carries as much as 45% weightage when determining your credit score! A single \nlate payment\n will linger in your CCRIS record for two years. So, you will have to pay fees and penalties for defaulting, but your credit score will also suffer terribly during this period.\n\n\nThe Solution\n\n\nEmploy resources like requesting payment reminders from lenders and setting your bank account to autopay so that your bills will always get paid on time. To make these approaches work well, though, you need to ensure that you always have sufficient funds in the bank.\n\n\nThree \u2013 Co-Signing Loan Requests\n\n\nA friend or relative might come to you with a request to help co-sign their \nloan\n as their lender won\u2019t extend credit to them otherwise. But keep in mind that this happens most often because the individual in question has a less than stellar credit score. Also, should they be unable to pay back for whatever reason, you\u2019ll have to bear the responsibility of that debt.\n\n\nThe Solution\n\n\nLearn how to say \u201cNo\u201d as politely and firmly as possible. You can also recommend that the person check their credit report and know where they stand first before trying to apply for a loan.\n\n\nFollowing all these steps might be challenging, but it will ensure that your credit score remains in perfect condition and you\u2019re financially safe!\n\n\nTags:\nCCRIS\nCentral Credit Reference Bureau Information System\nCredit Score\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/11/26/financial-mediation-bureau-fmb/", "title": "Financial Mediation Bureau (FMB)", "body": "Carefully consider this scenario:\n\n\nAssuming you\u2019re the typical everyday driver. You have a set route you commute. You\u2019ve taken out what \ninsurance policy\n you feel is most appropriate for you and you make sure you\u2019re never tardy when it comes to making payments for your premium. Everything is good so far, right? Now imagine that one day, the worst happens and you get involved in a \nroad accident\n. Maybe the other driver\u2019s vehicle takes a nasty hit, or maybe the accident resulted in the damage of another person\u2019s property. The situation isn\u2019t ideal, but you have \ninsurance\n so everything should be fine, right? You get in touch with your insurer for the necessary payout to cover your expenses. Only for them to either deny your claims or delay your payout excessively. What do you do? This is where the \nFinancial Mediation Bureau\n (\nFMB\n) comes in.\n\n\n\n\nWhat Is The Financial Mediation Bureau (FMB) Exactly?\n\n\nThe \nFinancial Mediation Bureau (\nFMB\n) is an independent organization that was established with the sole purpose of resolving disputes and conflict between financial bodies like banks or \ninsurance providers\n and their clients. Should you find yourself in any difficult situation with your insurer, seeking out the \nFinancial Mediation Bureau\n is a possible recourse for settling the problem. Under the close control and supervision of the Bank of Negara, Malaysia, the sole purpose of this institution is to ensure consumer (your) protection.\n\n\nWhy Should You Know How They Work?\n\n\nAs the insured party, knowing various bodies like the Financial Mediation Bureau and how they operate is only one of the many ways you do your due diligence. While it\u2019s undoubtedly true that by taking on an \ninsurance policy\n, you\u2019ve done your part and things needn\u2019t get more complicated, sometimes, matters don\u2019t work that way. Having a clear picture of knowing what to do if your \nauto insurance company\n isn\u2019t coming alive to its responsibilities help you take quick action and prevent matters from getting further out of hand. For example, FMB as a body can get involved in your case only if the claim in question:\n\n\n\n\nDoesn\u2019t exceed the sum of RM200, 000 in the case of auto and \nvehicle insurance\n.\n\n\nDoesn\u2019t exceed the sum of RM5, 000 in the case of Third-Party damage to property.\n\n\n\n\nWith this kind of information, it is easier for you to plan your next line of action in other to achieve the result you desire.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhere And When FMB Stays Out (What to Expect)\n\n\nIn addition to the instances cited above, there are other occasions and times where FMB wouldn\u2019t interfere. Some instances where they wouldn\u2019t come include but aren\u2019t strictly limited to:\n\n\n\n\nDisputes originating from complaints by an insurance agent and their principal,\n\n\nCases of fraud,\n\n\nDisputes originating from the public against the insurer,\n\n\nCases that have exceeded certain time limits.\n\n\n\n\nBeing able to appropriately identify which situations to call this organization in on and which to seek out other help channels better helps you fine-tune your decision-making process.\n\n\n\u00a0\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nHow Much Does It Cost To Take On The Services of FMB?\n\n\nIt\u2019s absolutely cost-free! As they are dedicated to ensuring the fair treatment of the insured, should you ever need their services, you would get it at no charge at all. The best part is that whatever decision they make is final and binding on your insurer, not on you! This means that if you aren\u2019t pleased with the outcome of their mediation, you can always choose to move elsewhere and plead your case. So that\u2019s it! If you ever find yourself in a tight spot with your insurer, you know what to do now!\n\n\nTags:\nBank of Negara\nFinancial Mediation Bureau\nFMB\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/21/kenapa-insurans-kereta-sangat-penting-untuk-setiap-pemandu-di-malaysia/", "title": "Kenapa Insurans Kereta Sangat Penting Untuk Setiap Pemandu Di Malaysia?", "body": "Bagi para pemilik kereta, pasti ramai yang selalu mengeluh sewaktu sampai masa untuk \nmemperbaharui insurans kenderaan\n masing-masing. Iyalah, harga premium \ninsurans kereta\n bukanlah murah. Tambah lagi jika anda mengambil polisi yang menawarkan pelindungan yang lebih baik seperti pelindungan insurans komprehensif. Sudahlah anda diwajibkan untuk memperbaharui insurans tersebut setiap tahun bersama dengan \ncukai jalan\n. Kadang-kadang bila duit pun tengah kurang, pasti ada juga yang merungut kenapalah, setiap pemilik kereta diwajibkan untuk mengambil polisi insurans kenderaan bukan? Mari kami kongsikan kepada anda apa yang perlu anda tahu tentang \ninsurans kereta\n, dan kenapa ianya penting untuk para pemandu.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\n1. Diwajibkan Kerajaan\n\n\nAnda tentu tahu bahawa, setiap pemilik kereta diwajibkan untuk mendapatkan pelindungan \ninsurans kenderaan\n setiap kali ingin \nmemperbaharui cukai jalan\n mereka. Anda tidak boleh memperbaharui cukai jalan sekiranya anda tidak mempunyai \npelindungan insurans kenderaan\n. Jadi, bagi yang mungkin tengah mempunyai masalah kewangan atau pun jarang menggunakan kereta tersebut, mereka akan membeli sekurang-kurangnya pelan insurans pihak ketiga supaya mereka dapat memperbaharui cukai jalan.\n\n\n2. Melindungi Pemandu Daripada Sebarang Kemungkinan Di Atas Jalan Raya\n\n\nInsurans kereta sangat penting bagi memberikan pemandu pelindungan daripada sebarang kemungkinan buruk yang mungkin akan berlaku. Contohnya seperti \nkemalangan\n, kecurian mahupun kebakaran. Jika berlaku sebarang kejadian tidak diingini seperti di atas, pihak insurans akan memberikan pampasan ke atas kerosakan yang dialami oleh anda atau pihak lain dalam kemalangan tersebut. Tetapi, jenis tuntutan yang akan diberikan adalah berbeza-beza mengikut jenis pelindungan yang diambil oleh pemilik kenderaan tersebut. Sebagai contoh, jika anda memilih untuk mendapatkan pelindungan insurans pihak ketiga, syarikat insurans tidak akan menanggung kerugian atas kerosakan yang dialami oleh kereta anda, sebaliknya hanya akan membayar pampasan kepada pihak lain yang anda langgar itu. Kalau anda tidak pasti, jenis pelindungan yang membolehkan anda membuat tuntutan kepada \nsyarikat insurans\n, anda boleh terus berhubung dengan ejen insurans kereta anda. Jadi, senang cerita, insurans kenderaan ini akan membantu menyelamatkan duit poket anda daripada membayar kos baik pulih kenderaan yang boleh mencecah ribuan ringgit.\n\n\n\n\n3. Jenis Insurans Yang Boleh Dipilih\n\n\nPemilihan pelan insurans yang tepat sangat penting supaya anda menerima pelindungan yang sesuai dengan keperluan anda. Di Malaysia, terdapat tiga jenis pelindungan insurans yang boleh anda pilih iaitu polisi pihak ketiga, polisi pihak ketiga, kebakaran dan kecurian serta polisi komprehensif. Ketiga-tiga jenis polisi ini memberikan tahap pelindungan yang berbeza-beza. Pelindungan yang paling asas dan murah adalah polisi insurans pihak ketiga. Manakala yang paling mahal serta menawarkan pelindungan yang menyeluruh kepada pemandu dan juga mangsa lain dalam kemalangan tersebut adalah polisi pelindungan komprehensif.\n\nPemilik kereta juga masih boleh menambah beberapa lagi pelindungan yang dirasakan perlu di dalam polisi insurans komprehensif ini, sebagai contoh, pelindungan untuk cermin hadapan kenderaan serta pelindungan dari kecurian aksesori.\n\n\n4. Boleh Dikenakan Penalti\n\n\nMengikut Akta Pengangkutan Jalan 1987, anda boleh dikenakan sehingga RM1,000 serta tiga tahun penjara sekiranya anda ditangkap memandu tanpa insurans kenderaan. Disebabkan anda tidak dapat memperbaharui cukai jalan tanpa insurans kenderaan, anda akan dikenakan tambahan denda sehingga RM3,000. Banyak bukan? Jadi pilih, nak bayar denda sampai beribu ringgit atau nak perbaharui sahaja insurans?\n\n\nRoadtax Calculator\n\n\nSekarang anda pasti sudah nampak betapa pentingnya untuk mengambil polisi insurans kereta bukan? Jika anda risau tidak tahu mahu memilih polisi insurans yang tepat, anda boleh layari laman perbandingan insurans Fincrew. Anda boleh membandingkan sebut harga yang ditawarkan oleh pelbagai syarikat insurans yang anda di Malaysia. Ini memberikan peluang kepada anda untuk \nmemilih pelan insurans yang sesuai\n dengan bajet masing-masing.\n\n\nTags:\nCukai Jalan\nInsurans Kereta\nInsurans Komprehesif\nPelindungan Insurans\nPelindungan Komprehensif\nPelindungan Pihak Ketiga\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/23/everything-you-need-to-know-about-schengen-visa/", "title": "Everything You Need To Know About Schengen Visa", "body": "A Schengen visa may be required if you are visiting multiple countries in Europe. In addition, for citizens of some countries, a \nSchengen visa\n is a document they must have to travel within the Schengen area. Read on to learn about the Schengen Area and whether or not you require a \nSchengen visa\n.\n\n\nWhat Is a Schengen Visa?\n\n\nSchengen visas are short-term visas that enable people to travel to any member state of the Schengen Area, allowing them to stay for up to 90 days for tourism or \nbusiness\n purposes. Schengen visas are the most common visas in Europe. Holders can enter and travel freely within the Schengen zone, leaving it from any Schengen member country. In the Schengen zone, all international borders are open. You must, however, apply for a Schengen Visa if you plan to study, work, or live there for more than 90 days. Otherwise, you will need a national visa for that country.\n\n\nWhat Is The Schengen Area?\n\n\nThe Schengen Area was established through the Schengen Agreement, ratified in 1985. It allowed for the abolition of national borders and created a free movement area among the 26 European countries that formed the Schengen Area. Presently, there are 26 countries in the Schengen area: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland.\n\n\nWho Needs a Schengen Visa?\n\n\nSchengen visa requirements depend more on your home country than your destination. Schengen Area citizens can cross the borders as if they were just one country if they are citizens of a Schengen Area member country. Citizens of the U.S. with a valid passport do not require a visa to visit the Schengen countries for tourism or business, provided you stay no more than 90 days in these countries. The Schengen agreement allows you to enter the Schengen area provided that your stay does not exceed 90 days within six months. If you are a resident of another country, check this list to find out if you need a Schengen visa. You may need an airport transit visa for those wishing to change planes in an airport in a Schengen country.\n\n\nYour passport on hand must be valid for at least three months beyond your departure date to enter one of the 26 member states of the Schengen Area, even if you do not have a Schengen visa. Most countries assume that visitors will stay for the entire three months they can stay without a visa. Travelers from the Malaysia should:\n\n\n\n\nTheir passports should still be valid for at least six months each \ntime they travel\n abroad.\n\n\nCheck passports\u2019 expiration dates before traveling to Europe.\n\n\nCarry passports at all times.\n\n\nHave a valid \ntravel insurance coverage\n\n\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nHow Do I Apply For Schengen Visa?\n\n\nIf you want to visit one of the Schengen countries, you must apply for a visa at the embassy or consulate. If staying in more than one \nSchengen country\n, visit the country\u2019s consulate you spend the most time in if you see more than one \nSchengen Country\n. Furthermore, several Schengen visas can be issued, including the Uniform Schengen Visa, limited territorial validity visas, and national visas. Here\u2019s more information on the Schengen Visa Types.\n\n\nHave a valid passport, a recent photo, a completed and signed Schengen visa application form, and other documents related to your stay, such as proof of accommodation, to apply for a Schengen visa. Verify that you have all the paperwork and fees for a Schengen visa by contacting the embassy or consulate.\n\n\nTags:\nSchengen\nSchengen Visa\nTravel Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/19/bolehkah-anda-membuat-tuntutan-insurans-sekiranya-kereta-anda-melanggar-tiang-lampu/", "title": "Bolehkah Anda Membuat Tuntutan Insurans Sekiranya Kereta Anda Melanggar Tiang Lampu", "body": "Kemalangan tidak semestinya hanya akan berlaku di antara sebuah kenderaan dengan kenderaan yang lain. Ada juga kemalangan yang berlaku tanpa melibatkan kenderaan lain. Contohnya, anda sangat letih dan mengantuk setelah membuat kerja lebih masa. Entah bagaimana anda terlanggar tiang lampu di tepi jalan. Dalam keadaan terkejut itu, pastinya hati merungut juga. Kereta sudah kemek. Siapa yang akan membayar kos kerosakan kenderaan anda ini? Adakah \nsyarikat insurans\n akan meluluskan tuntutan kerosakan seperti ini? Sebenarnya, apa-apa juga \ntuntutan insurans\n adalah berpandukan kepada jenis insurans yang anda ambil itu. Untuk kes terlanggar tiang lampu ini, anda masih boleh membuat tuntutan kepada syarikat insurans sekiranya anda mengambil pelan insurans komprehesif. Anda boleh membuat memohon di bawah \nTuntutan Kerosakan Sendiri\n atau \n\u2018Own Damage Claim\u2019 (OD)\n sekiranya anda terlanggar apa-apa objek seperti tiang lampu, pokok, pembahagi jalan dan sebagainya. Tetapi anda perlu tahu, sekiranya anda memfailkan \ntuntutan insurans\n untuk kes seperti ini, anda boleh kehilangan \n\u2018No Claim Discount\u2019 (NCD)\n.\n\n\nBagaimana Anda Boleh Membuat Tuntutan OD?\n\n\nSama juga seperti kes \nkemalangan jalan raya\n yang lain, anda terlebih dahulu perlu ke balai polis untuk membuat laporan tentang kejadian kemalangan tersebut dalam tempoh 24 jam. Kemudian, anda perlu menghantar kenderaan anda tadi ke bengkel panel bagi proses pemeriksaan. Nanti mereka akan memberitahu anggaran kos untuk membaiki kerosakan tersebut. Jangan pula anda menghantar kenderaan anda itu ke bengkel yang bukan panel. Ini akan menyukarkan proses anda untuk \nmembuat tuntutan insurans\n. Setelah itu, anda perlu menghantar dokumen seperti salinan laporan polis dan juga anggaran kos baik pulih dari bengkel panel tersebut. Jangan lupa untuk sertakan juga salinan \npolisi insurans\n, kad pendaftaran kenderaan, \u2018disk\u2019 \ncukai jalan\n, salinan kad pengenalan dan lesen memandu serta perjanjian sewa beli kenderaan. Jika sewaktu kejadian, terdapat pekerja TNB atau JKR menjadi saksi kejadian dan meminta anda untuk membayar ganti rugi sekiranya berlaku kerosakan pada tiang lampu atau elektrik tersebut, anda boleh menghantar satu salinan notis tuntutan dari TNB atau JKR kepada syarikat insurans anda. Pihak insurans akan menyelesaikan serta menanggung kos kerugian tersebut.\n\n\nBagainmana Pulu Jika Sewaktu Kejadian, Ada Penumpang Lain Di Dalam Kereta Dan Mereka Meminta Anda Untuk Menaggung Kos Perubatan Ke Atas Kecederaan Yang Mereka Alami?\n\n\nJika anda mengambil \npelindungan tambahan\n iaitu \u2018Legal Liability to Passenger\u2019 (LLP), syarikat insurans anda akan menanggung segala kos perubatan penumpang anda itu. Tetapi sekiranya anda tidak mengambil pelindungan tambahan ini, terpaksalah anda menanggung semua kos perubatan tersebut. Sebagai langkah terbaik, lebih baik jika anda mengambil pelindungan tambahan ini daripada terpaksa menanggung kos lebih besar di kemudian hari. Kadar bayaran untuk pelindungan tambahan ini adalah bergantung kepada kapasiti enjin kenderaan anda. Anda boleh mendapatkan maklumat lanjut tentang perkara ini di Fincrew.my. Selain itu anda juga dapat \nmembandingkan sebut harga polisi insurans kenderaan\n yang ditawarkan oleh pelbagai syarikat insurans di Malaysia.\n\n\nBagaimana Pula Jika Kereta Dipandu Oleh Orang Lain?\n\n\nAnda masih lagi boleh membuat \ntuntutan kerosakan sendiri\n sekiranya anda mengambil polisi Pelindungan Komprehensif. Tapi, anda perlu membayar RM400 sekiranya orang yang memandu kenderaan terbabit tidak dinamakan dalam polisi insurans anda. Di negara ini, pemilik kenderaan meletakkan dua nama pemandu secara percuma dalam polisi motor. Untuk tambahan nama berikutnya, pemilik hanya perlu membayar RM10 sahaja. Jadi anda boleh pilih. Nak bayar RM400 atau RM10? Berdasarkan situasi-situasi di atas, penting bagi pemilik untuk mendapatkan pelindungan tambahan untuk kenderaan mereka. Kemalangan boleh berlaku pada bila-bila masa sahaja tanpa diduga. Jadi apa salahnya jika keluarkan sedikit duit sekarang?\n\n\nTags:\nKomprehensif\nOwn Damage Claim (ODC)\nPelindungan Komprehensif\nTuntutan Insurans\nTuntutan Kerosakan Sendiri\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/05/11/what-are-some-different-kinds-of-auto-insurance-coverage/", "title": "What Are Some Different Kinds Of Auto Insurance Coverage?", "body": "\n\n\n\nAuto insurance is a huge part of driving in the country. Forgetting for a second that it is a legal prerequisite for you to put your car on the road, consider its financial implications. No one actively plans for it, but imagine for a second, you got involved in an accident. Without auto insurance, you\u2019d be the one to bear those huge costs out-of-pocket! Having insurance is a financial safeguard that kicks in should you ever get into trouble. \nInsurance\n is essential, true. However, the kind of insurance you get is also very crucial. What are the different types of insurance available to you today? Why is it vital you pick the right one for you? Find out that and more now!\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nHello! I\u2019m Stella, Fincrew brand ambassador, and in this episode of the Insurance360 Video Series, you\u2019ll be discovering the auto insurance options available to you and what each entails. Quickly Subscribe to our channel and enable notifications before we proceed. There are a few options to choose from in the \nauto insurance\n world today. Keep in mind that the scope of \ninsurance coverage\n changes from policy to policy. From the least to most, here are the \nauto insurance policies\n you\u2019re likely to find around!\n\n\nThird-Party Coverage\n\n\nEvery vehicle owner knows they\u2019ve got to have insurance before they can drive around freely. Those who want to spend only the barest minimum to fulfill that requirement opt for the \nThird Party\n policy coverage. As the name implies, when you take on this \ninsurance coverage\n, you are only insured for the cost of repairs for the other individuals\u2019 vehicle or property. That is basically the extent of this policy\u2019s coverage. If you want something that insures you for much more, you\u2019d have to commit a bit more financially. Here are the other options you could go for.\n\n\nThird-Party, Fire and Theft Coverage\n\n\nIn many ways, this can be considered to be the mid-range option where \nauto insurance\n in the country is concerned. Significantly pricier than its predecessor, it more than makes up for this with the broader scope of coverage it offers. Under this policy\u2019s coverage, you\u2019re not only financially protected should you damage another party\u2019s vehicle, but you\u2019re also covered if your car gets damaged as a result of a fire. Also, if parts of your \ncar get stolen\n or the entire vehicle is stolen, this insurance covers your loss!\n\n\nComprehensive Coverage\n\n\nThis is arguably the most expensive insurance coverage you could go for. However, in return, it offers all the protective features the other two policies possess plus a lot more. For instance, with comprehensive auto insurance, should you be involved in an accident, this policy also includes the cost of repairs for your vehicle in addition to the repair expenses of the other individuals\u2019 vehicle or property. On top of all the above, there are several useful add-ons you can\u2019t take advantage of if you\u2019re not on a \nComprehensive insurance\n plan. Ultimately, what policy you choose should be determined by what you think you need.\n\n\nLeave us a Like if you enjoyed this episode and stay tuned for more upcoming episodes from this Insurance360 video series. Hit that Subscribe button and enable notifications to our channel. Catch you in the next video!\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nTags:\nComprehensive Coverage\nCoverage\nFire and Theft Cover\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/09/22/fire-and-theft-policy-in-car-insurance/", "title": "Fire And Theft Policy In Car Insurance", "body": "Third-party-only insurance (TPO) is the minimum level of car insurance cover you can buy. This kind of policy helps protect you against damage to any third party or their property. That is, it helps protect other people, vehicles, and property. So if there were an accident, your policy would payout to cover the repairs and medical expenses to the other driver if the accident was your fault. The next level cover is Third-party, \nfire and theft\n (TPFT). It gives you all the benefits of third-party insurance and includes paying you if your car is stolen or damaged in a fire.\n\n\nIs Third Party, Fire And Theft Cover Suitable For Me?\n\n\nA Third-party, \nfire and theft\n (TPFT) policy is the most fundamental \ninsurance\n policy you can buy that will cover you against damage to your car. It is helpful if you need that smidgen of additional cover that essential third-party insurances cannot provide. Yet, you do not want to fork out for a fully \ncomprehensive policy\n. \nTPFT\n turns into an incredibly reasonable alternative in case you\u2019re driving a car that is either moderately inexpensive or relatively straightforward to fix.\n\n\nWhat To Consider Before Buying A Third Party, Fire And Theft Policy?\n\n\nAs \nTPFT\n policy offers you some \nextra coverage\n, it will probably be more expensive than a third-party policy but, most often, cheaper than a comprehensive policy. This policy is best for drivers who have gained some experience but are still pretty new to driving or those with a vehicle value towards the mid to lower end of the scale. When buying a third-party fire and theft policy, it is imperative to consider your vehicle\u2019s repair costs. If the costs of fixing the car after an accident would probably surpass the cost of changing the car, but you still want \ncover from fire or theft\n, then third party, fire and theft policy may be the best match for your needs.\n\n\nWhat Does Third-Party, Fire And Theft Policy Entail?\n\n\nThird-party, fire and theft policy does not cover your vehicle if you\u2019re involved in an accident, and you are at fault. It only covers the other driver. Other protections include:\n\n\n\n\nInjury to a third party, i.e., the other driver or passenger\n\n\nDamage to third-party\u2019s car\n\n\nDamage to third-party\u2019s property \u2013 for example, if you drive into a wall.\n\n\nReplacing your stolen vehicle\n\n\nFixing your car if it\u2019s dented in an attempted theft \u2013 for example, if your windscreen is broken\n\n\nReplacing or fixing your car if it\u2019s destroyed by fire\n\n\n\n\nSometimes your \ninsurance company\n will not pay out if you find yourself under any of these circumstances:\n\n\n\n\nYou didn\u2019t properly secure your car before it was robbed\n\n\nWhen your car is damaged because of fire resulting from mechanical, electrical, electronic, or computer failures.\n\n\nWhen you are in an accident with a car that isn\u2019t yours or listed on your insurance policy\n\n\nDamage to yourself or your car if you\u2019re involved in an accident.\n\n\n\n\nTags:\nFire and Theft Cover\nThird-Party Coverage\nTPFT\nTPO\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/01/26/which-is-the-best-car-insurance-in-malaysia/", "title": "The Best Car Insurance In Malaysia", "body": "As a driver or vehicle owner in Malaysia, it is safe to say that you have a lot of concerns. In terms of fulfilling due diligence with all things about your vehicle, one of those concerns is \ninsurance\n. There are a lot of reasons why automobile insurance is so important to drivers in the country. All things considered, insurance is sometimes what ultimately determines whether you walk away from an \naccident\n financially intact or at a severe loss. In addition to the above, insurance is a non-negotiable prerequisite for driving in the country. All of these factors and more are what make the process of getting \ninsurance so important\n. Noting how important insurance is, many drivers often ask the question, \u201cWhich is the \nbest car insurance\n to get in Malaysia?\u201d We\u2019ll be delving into the answer to this crucial question now. As all drivers in the country know, \ncar insurance\n is a sort of running, ongoing cost. One primary reason for this is the fact that once you take out an \ninsurance policy\n, you also have to pay premiums at stipulated times to ensure that your coverage remains valid.\n\n\n\n\nCar Insurance Premium\n\n\nMany drivers tend to use premium as a guiding determinant for picking the \nbest insurance policy\n. Now, it certainly isn\u2019t a bad idea to opt for as cheap a premium as you can get. After all, having great insurance doesn\u2019t mean much if you can\u2019t afford to pay the premiums it demands as at when due. Yet, as important as premiums are, it shouldn\u2019t be your sole criteria when picking out the \nbest insurance policy\n for your automobile. Apart from the fact that the law actually stipulates that you have to get insurance, keep in mind that you are getting insurance to protect yourself from certain eventualities. Consequently, you have to factor in some other variables that aren\u2019t so immediate but still bear significant weight. Some of these factors include:\n\n\nThe Claims Process\n\n\nThe one thing that can be genuinely considered as your benefit for taking out insurance is that in the event of an unfortunate accident, you have a backup, (so to speak), that at least helps you reduce or completely eliminate the financial costs of the accident. In light of this, the claims process by which you get the payout you need to attend to the result of the accident is very crucial. You need an insurer and a package that has a process that puts you in consideration and justifies what you pay as premium.\n\n\nThe Claim Duration\n\n\nYet another factor that merits careful thought here is the claim duration you\u2019ll be getting with your insurer and policy. By itself, accidents are more than enough to cause stress. You do not need an insurer or policy that would add to that by needlessly delaying your payout. In situations like this, the best thing you could have is an insurer that gives you timely feedback and comes alive to their responsibilities when due.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nConclusion\n\n\nEssentially, the \nbest car insurance\n is one that has an acceptable premium, a fast \nclaim process\n and reliable claim duration. One way to get this is to find a reliable tool for \ncomparison-shopping car insurance policies\n and finding the best rates across the board.\n\n\nTags:\nInsurance Claims\nInsurance Policy\nInsurance Premiums\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/15/learn-how-to-get-loan-with-a-bad-credit-score/", "title": "Learn How To Get Loan With a Bad Credit Score", "body": "It is possible to obtain a loan with \nbad credit\n if you work with a lender who does not require good credit or if you meet other qualifications. Credit scores are important when \napplying for a loan\n, but lenders will also consider your income, debts, collateral, and credit history.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nWhat Is A Bad Credit Loan?\n\n\nA lender will consider your credit score and credit history when determining whether to lend you money based on your credit score. When you have \nbad credit\n, you have a low credit score. It can be caused by not having enough credit history, making late payments, or maxing out \ncredit cards\n. If a person with bad credit needs a loan, their search may need to be limited to lenders that offer loans for people with bad credit. Depending on the \nloan\n type, it can either be secured (backed by collateral like a home or car) or unsecured. In addition, the terms, fees, and interest rates of these loans can vary widely. Banks, credit unions, and online lending companies grant loans to people with bad credit. However, they differ in their definitions of a \u201ccreditworthy borrower.\u201d It is essential to shop around to find the best mortgage lender because some lenders have stricter requirements. Even if you have bad credit, you can still get a loan. Having a \nbad credit score may prevent you from getting a great APR\n (annual percentage rate), but there are still options that offer lower interest rates than credit cards or payday loans.\n\n\nCompare and apply for the best credit cards\n\n\nWhat Constitutes a Bad Credit Score?\n\n\nA \ncredit score\n is from 300 to 850, so there is no official \u201cbad credit\u201d category. But if you are below 650, you are considered a high risk, which means you\u2019ll pay the highest interest rates. Therefore, this group of people is a good candidate for bad credit loans. Lenders define \u201cgood\u201d and \u201cbad\u201d credit scores differently. For example, some lenders won\u2019t work with anyone with a credit score below 650; others market to people with a lower score. In other words, it\u2019s hard to say whether you have good credit or bad credit, but the accepted range looks like this:\n\n\n\n\nA score between 760 and 850 is excellent\n\n\n700-759 is very good\n\n\n660-699 is fair\n\n\n620-659 is poor\n\n\nScores under 620 are inferior\n\n\n\n\nHow To Get a Loan When Your Credit Is Fair Or Bad\n\n\nIf you have bad credit, you will have fewer options for getting a loan. Still, it\u2019s good to shop around for the best deal. First, you might look for lenders who regularly lend to borrowers with fair credit ranging from 580 to 669. Over time, the best options can also change. Even if your finances are stable, lenders regularly adjust their credit requirements to reflect changes in the economy and market competition.\n\n\nCompare Personal Loan In Fincrew\n\n\nWhat To Look For When Choosing A Bad Credit Loan Company\n\n\nThe best loan company may not be the same for everyone. Consider these factors when choosing a good or \nbad credit loan\n company:\n\n\n\n\nEligibility Requirements\n: Most lenders\u2019 websites list eligibility requirements, such as minimum credit scores, income limits, and max debt-to-income ratios.\n\n\nInterest Rates and Fees\n: Interest rates are calculated differently by different lenders. Compare the interest rates, origination fees, and prepayment penalties from a few lenders to find the one with the lowest loan interest.\n\n\nRepayment Terms\n: Lenders of \npersonal loans\n may offer repayment terms ranging from one year to twelve years. The shorter your repayment period, the sooner you will be debt-free, and the lower your interest payments. On the other hand, extending the repayment period will lower your monthly bill.\n\n\nType of Lender\n: Online lenders, credit unions, and banks offer personal loans. While you can get the best rates using an online lender, you probably won\u2019t have the same in-person service provided by a bank, but they have other means by which you can reach out to them. In addition, your local credit union may be more willing to extend you a \nbad credit loan\n if you have an excellent relationship with them.\n\n\n\n\nCheck your company eligibility & apply business loan online.\n\n\nTags:\nAnnual Percentage Rate\nAPR\nBad Credit Score\nCredit Score\nLoan Application\nLoan Guideline\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/29/6-reasons-why-you-need-travel-insurance/", "title": "6 Reasons Why You Need Travel Insurance", "body": "Unforeseen circumstances can derail even the best-planned vacation. A \ntravel insurance policy\n could help you in the event of certain events taking place during or before your trip. The need for \ntravel insurance\n does not only apply to expensive vacations or trips abroad, nor does it apply only to long journeys. \nTravel insurance\n is essential for every trip, as you never know what could happen when you\u2019re far from home! What are the six reasons why you need travel insurance?\n\n\nIf You Have To Cancel Your Trip, You Don\u2019t Want To Lose All Your Money\n\n\nNo matter how well it was planned in the case of a canceled trip. Nevertheless, many travel providers \u2013 especially tour operators, cruise lines, and airlines \u2013 do not offer refunds for cancellations made at the last minute. Do you think you could afford to lose every penny you invested in your trip if this happened? Travel insurance gives you the protection of trip cancellation benefits, which is one of the best reasons to purchase it. You can use these to get reimbursed for prepaid, non-refundable trip costs when you have to cancel because of a covered cause. Once you\u2019ve gotten your money back, you\u2019ll be able to book your trip for another, brighter day.\n\n\nWhat If Your Passport, Baggage Or Documents Go Missing?\n\n\nProbably the worst thing you can imagine while traveling is this situation. Luckily, with \ntravel insurance\n, you are protected. If your lost passport is or is stolen, you can obtain a duplicate or a new key through your \ntravel insurance policy\n. In addition, should your belongings go missing, you will be reimbursed up to a certain amount, while if your baggage gets delayed, you will reimburse for the personal effects you might have to buy during that time. You can use this as a massive help while waiting for your luggage.\n\n\nYou Probably Won\u2019t Be Covered By Your Health Insurance Overseas\n\n\nBeing ill while on vacation is the last thing anyone wants to happen. However, it is possible to suffer medical complications or be seriously injured at any time. For this reason, travel insurance is essential. It will ensure you receive the proper medical attention in an emergency, whether you need to be taken to a hospital or a close relative fly to you if you\u2019re a student. In addition, we understand that when you\u2019re in a new place, it can be challenging to stop yourself from eating sweets. Therefore, dental treatment is also included. Your \ntravel insurance also covers other related expenses\n.\n\n\nFraudulent Charges\n\n\nIt is difficult to imagine how you would feel if you lost your \ncredit cards\n while on vacation and started receiving texts saying someone else has used it. Wouldn\u2019t that be scary? Your money is not only being lost, but it is being lost at a place where you might even be unable to get help. If you have travel insurance, that wouldn\u2019t be an issue. If you report the \ntheft\n of a payment card up to 12 hours before the first time you \nclaim\n it, your policy will refund you for the amount lost.\n\n\nCompare and apply for the best credit cards\n\n\nEmergency Repatriation\n\n\nIn the unfortunate event of death and due to serious accident injuries, who would you contact to transport the body back home? Should the insured be traveling alone, who will act on their behalf? Travel insurance policies come in handy in such situations. As well as covering the cost of repatriation, it also assists with transportation. Every traveler needs a little assistance sometimes, even the most experienced ones. A significant benefit of travel insurance is the peace of mind gained from knowing that assistance is just a phone call away.\n\n\nIf you are facing a crisis while traveling \u2013 a medical emergency, lost passport, stolen wallet, natural disaster, etc. \u2013 \nFincrew\n can always assist you. We will make sure that our travel experts do everything they can to ensure that everything goes smoothly.\n\n\nTags:\nBaggage Loss\nHealth Insurance\nTravel Insurance\nTrip Cancellation\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/01/03/part-two-of-driving-guide-in-malaysia/", "title": "Part Two Of Driving Guide In Malaysia", "body": "If you went through our \nprevious post\n on \ndriving guide\n in Malaysia, then you have a handle on basic driving knowledge in the country and some rules and regulations you have to follow as a driver. Next, we\u2019ll be moving on to slightly more technical matters.\n\n\nGetting a Drivers\u2019 License\n\n\nAs is probably the rule everywhere in the world, you have to get a \ndrivers\u2019 license\n. This is the tenable proof that you understand all traffic regulations and are deemed qualified to take the wheel. While you can drive at age 17, you can\u2019t get a license till you\u2019re at least 18. So, in addition to this age requirement, you must also possess a \ndrivers\u2019 license\n from your country of origin before you can be issued one here as well. Note that your foreign \ndrivers\u2019 license\n is also viable for use, provided you carry along with a translated copy of it in English or Malay.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nPurchasing Or Importing Your Car\n\n\nFor many reasons, either of these options will require you to invest a reasonable amount of time and energy in realizing your goal. Here\u2019s a summary of how both processes work.\n\n\nPurchasing Your Car\n\n\nTo purchase or rent a vehicle, you must be between the ages of 23 and 65 and must\u2019ve owned your license for at least one year. That said, you might find getting a car here somewhat challenging, especially if you\u2019re not going for local brands. This is mainly due to the government\u2019s effort to protect local manufacturers as they are vital to the country\u2019s economy.\n\n\nImporting a Car\n\n\nWith a few exceptions, importing a car means you may have to jump through a lot of hoops and spend quite a bit of money. To get the permits to make it possible, you must be able to provide justifiable personal reasons for choosing to import the vehicle. These restrictions are laxer if you possess a \nMalaysia My Second Home Visa\n (MM2H) as it affords you the opportunity of either importing or getting a vehicle tax-free from a local manufacturer.\n\n\nTolls and Parking\n\n\nThese are two essential aspects of everyday \ndriving guide\n in Malaysia. Understanding how they both work can save you time and increase how fast you adjust to driving here.\n\n\nMalaysia Tolls\n\n\nIf you aren\u2019t very familiar with toll stops, get ready to get a lot of experience with them very quickly here! Toll roads abound in Malaysia, and they play a significant role in easing traffic and making driving comfortable, all for a small price. If you\u2019ll be driving through toll roads, your \nTouch \u2018n Go\n card is virtually indispensable! As the toll gates don\u2019t take cash, this is the only means by which you can pass through. You can get a card anywhere from gas stations to outlets on the highway. Once you have one, you then load money on it then tender it at any gate you wish to pass through.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nParking In Malaysia\n\n\nParking rules change, depending on where you are. More often than not, different locations operate different parking systems. A safe practice is to make your parking plans according to the standards you meet in each spot. That\u2019s a wrap! We hope you\u2019ve been able to pick up a helpful tip or two to navigate driving in Malaysia. Enjoy your stay.\n\n\nTags:\nDriving License\nMalaysian Law\nMM2H\nTouch N Go\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/03/27/office-all-risk-insurance-what-is-it-about-how-your-company-can-benefit-from-it/", "title": "Office All Risk Insurance \u2013 What Is It About & How Your Company Can Benefit From It", "body": "The world has never been more volatile than it is at the moment. \nOffice All Risk Insurance\n is one of the few tools you can leverage to ensure that your \nbusiness\n and company don\u2019t suffer from the sudden theft or damage of necessary work equipment. But first;\n\n\nWhat Is Office All Risk Insurance?\n\n\nLet\u2019s assume that you are in a robbed company. If your company was affected, you would have to buy back all those equipment out-of-pocket. However, if you have \nFinCrew\u2019s All Risk Insurance \ncoverage, they will cover all of these costs for you!\n\n\n\n\nOther Benefits Of Getting FinCrew All Risk Insurance Coverage\n\n\n\n\nA total compensation for all accidental and unfortunate events in the office space.\n\n\nEnjoyment of a reinstatement value clause.\n\n\nAround-the-clock coverage for the electronic appliances in your space.\n\n\n\n\nEven with all this, you might still not see why you would need to get this package. To that end, here are some situations when \nAll Risk Insurance\n can prove to be a lifesaver.\n\n\n\n\nIf you or your staff accidentally damage necessary office equipment like a laptop.\n\n\nIf you take the company laptop on a trip and it gets stolen at some point.\n\n\nIf company electronics get damaged as a result of coffee spills or accidental contact with water.\n\n\nIf the electrical board of certain appliances short-circuits and causes a fire in your office space.\n\n\n\n\nWhat\u2019s more, there are a host of other scenarios where \nFinCrew\u2019s All Risk Insurance\n might prove just handy! The best part of the deal is this policy is easy to purchase! With only a few clicks, you can purchase solid peace of mind for your company.\n\n\n\n\nTags:\nAll Risk Insurance\nContent Insurance\nEquipment Insurance\nOffice Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/04/18/apa-yang-boleh-saya-buat-untuk-mengurangkan-premium-insurans-auto-saya/", "title": "Apa Yang Boleh Saya Buat Untuk Mengurangkan Premium Insurans Auto Saya?", "body": "\n\nAdakah anda perasan apa yang anda bayar sebagai premium adalah agak tinggi? Pernah terfikir tak jika ada apa-apa yang boleh anda lakukan tentang perkara ini? Jangan risau! Bila anda habis menonton video ini, anda akan mengetahui hampir semuanya yang perlu anda tahu untuk mengurangkan atau menghapuskan punca \nharga premium\n yang tinggi itu! \nInsurans auto\n adalah satu bentuk pelindungan kewangan yang akan anda gunakan untuk situasi yang tidak terjangka, dan anda perlu membayar untuk kos pembaikan dan perbelanjaan lain. Jadi, walaupun tidak diwajibkan undang-undang, mendapatkan \ninsurans bagi kenderaan\n anda merupakan langkah yang paling bijak.Tapi, bagaimana untuk anda berhadapan dengan masalah premium insurans auto tinggi yang menjengkelkan itu? Ikuti langkah kami!\n\n\nHi! Saya Yuna duta produk Fincrew dan hari ini saya akan membongkarkan rahsia bagaimana mendapatkan \nharga premium\n terendah untuk pelindungan terbaik! Dalam siri Video Insurans360, kami akan sentiasa memuat naik video hebat seperti ini. Jadi, jika anda tidak mahu terlepas, cepat tekan butang \u2018Subscribe\u2019 dan aktifkan notifikasi sekarang juga! Sekarang, setelah anda lakukannya, mari kita teruskan. Soalan cepumas, bagaimana anda caranya supaya berjaya mengurangkan kos premium yang tinggi? Berikut merupakan beberapa langkah praktikal dan tip untuk anda ikuti:\n\n\nTip nombor 1 \u2013 Bandingkan Kadar\n\n\nSalah satu cara yang paling pasti untuk menjamin anda mendapat premium yang rendah adalah dengan memiliki rekod pemanduan yang sangat baik. Sekarang, tidak kiralah anda mempunyai rekod itu atau tidak, tidak rugi untuk membandingkan kadar premium antara satu syarikat insurans dengan syarikat insurans yang lain. Apa yang menarik tentang premium adalah, ia tidak tetap. Jadi, harganya boleh berbeza-beza dari satu syarikat insurans dengan satu syarikat insurans yang lain. Anda boleh anggapkan ini sebagai satu kelebihan dan memilih premium yang paling berpatutan!\n\n\nTip nombor 2 \u2013 Jadikan Potongan Anda Lebih Tinggi\n\n\nSebelum berkata apa-apa, kami tahu apa yang anda fikirkan. Mendapatkan potongan yang lebih tinggi adalah kurang produktif bagi anda yang ingin mengurangkan kos \npremium insurans\n. Tetapi realitinya, ia tidak benar sama sekali! Biar kami jelaskan. Pada asasnya, potongan merupakan apa yang perlu anda bayar sebelum mengaktifkan \npolisi pelindungan insurans\n anda. Sekarang, apa yang ramai pemilik kenderaan tidak tahu atau terlepas pandang, Semakin tinggi potongan anda, semakin rendah premium yang boleh anda dapat. Sebenarnya, pengurangan yang tinggi, boleh membawa pengurangan sehingga 30-40% bagi premium pelindungan Pihak Ketiga atau pelindungan Pihak Ketiga, Kebakaran dan Kerugian anda! Menarik, bukan?\n\n\nTapi, cuma ada satu masalah kecil-\n\n\nUntuk menggunakan kaedah ini dengan betul, anda perlu mempunyai simpanan yang cukup untuk diketepikan, sekiranya anda terpaksa memfailkan tuntutan.\n\n\nNombor 1- Petimbangkan untuk mengurangkan pelindungan bagi kereta lama\n\n\nSekali lagi kami tahu, anda mungkin tidak begitu suka dengan idea untuk mengurangkan pelindungan bagi kenderaan anda. Bagaimana pun, cuba analisis objektif disebalik keadaan ini:\n\n\nPerlu diingatkan, kebanyakan syarikat \ninsurans akan menaikkan kadar premium untuk kereta\n lama. Ada juga yang enggan menawarkan pelindungan secara langsung. Jadi, adakah anda berasa berbaloi dengan polisi yang anda ambil sekarang? Anda mungkin akan mendapati, lebih baik memilih untuk mengurangkan pelindungan.\n\n\nNombor 2- Manfaatkan Diskaun\n\n\nTerdapat banyak diskaun dan juga bonus yang ditawarkan dalam \ninsurans auto\n. Ia mungkin akan memerlukan sedikit usaha, tetapi anda boleh cuba untuk mencari polisi yang dapat dimanfaatkan untuk mengurangkan premium anda.\n\n\nFincrew.my menawarkan beberapa kadar premium paling kompetitif yang boleh anda dapati di pasaran hari ini.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\n\n\nTags:\nInsurance Premiums\nInsurans Kereta\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/01/high-risk-theft-vehicle-hrtv-in-car-insurance/", "title": "High-Risk Theft Vehicle (HRTV) In Car Insurance", "body": "Imagine this: you wake up in the morning after an overall stressful day\u2014you are going through your daily routine: shower, get the kids ready for school, get dressed, breakfast, grab your car keys and as you are walking out to your parking spot, you get this feeling. Something is not right. As you get closer to where your car should be, you discover it is not where you parked it the night before \u2014your heart starts to beat fast. It is nowhere to be seen; all that is left is space. You asked yourself, what will I do? Is my car a \nhigh-risk theft\n car? Does \ninsurance cover stolen cars\n? Do I know how the theft auto insurance process works? Through the confusion and rush of adrenaline, you need to stay calm and think clearly.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nDo High-Risk Car Theft Increase Insurance Rates?\n\n\nAuto insurance\n companies base all their \ninsurance rate\n calculations on risk. Thus, a car declared to have a higher risk of theft implies a higher insurance rate on such vehicles. So, if by choice or chance, you live in an area where \ncar theft\n is high, then that can shoot up your \ninsurance\n rate, even if your street or house is secured and pretty safe! This high insurance rate resulted from Bank Negara Malaysia\u2019s decision in 2017 to liberalize motor insurance tariffs. This decision legally permits \ninsurance companies\n to increase insurance premiums for vehicles often targeted by \ncar theft\n syndicates, considered \nhigh-risk theft\n vehicles.\n\n\nDoes Insurance Cover Car Theft?\n\n\nThat depends on the policy you\u2019re currently carrying. Typically, you must hold a third-party \nfire and theft\n or comprehensive coverage on your auto insurance policy to cover your stolen car. If you only have a third-party auto insurance policy to save money, then you are out of luck if a vehicle is stolen. If you have the required policy (i.e., third-party fire and theft or \ncomprehensive\n approach) for your stolen car and you \nfile a claim\n, your insurance company will cover the car\u2019s actual cash value and not the total replacement value. If the car is recovered and you realise it\u2019s been damaged, or some parts have been stolen, your insurance company will pay to replace any stolen parts, such as the airbag or catalytic converter, and cover the repair cost.\n\n\nHowever, you should note that your insurance policy won\u2019t cover personal items stolen from your car or the cost of cleaning the car (let\u2019s say the robbers have been sleeping in it) after recovering. More so, if personal items like a laptop, phone, money, etc., get stolen, your insurance policy won\u2019t pay to replace them. However, you can file a claim with your renters or homeowner\u2019s insurance for stolen personal items. Your insurance will also not cover the cost of renting a car during the process of getting your claim resolved.\n\n\nFinal Thought\n\n\nIf you are not sure of your \ninsurance coverage\n covers, learn about auto insurance by speaking with your agent or reading about it online. Having a clear understanding of how your insurance policy works before a claim situation arises will save you from stress and time. Also, ensure to go over your \nauto insurance coverage\n altogether at every renewal to make sure you have the best policy suited for your needs.\n\n\nTags:\nComprehensive Coverage\nHigh-Risk Theft Vehicle\nHRTV\nInsurance Coverage\nTheft Coverage\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/11/25/own-damage-claim-odc-in-car-insurance/", "title": "Own Damage Claim (ODC) In Car Insurance", "body": "Finding the best way to repair the damages is a part of the aftermath occurring after a car accident. \nOwn damage claim\n will be one of your options, but when is this the right choice? Here is what you should know about ODC and how to use the maximum potential they offer.\n\n\nWhat Is Own Damage Claim (ODC)?\n\n\nAs the term suggests, own damage is a term referring to any damages your car suffered in the accident. It gives you an option to fix the vehicle and get it on the road again at a fairly quick rate. The process is straightforward, and you\u2019re working with your own insurance company, which makes things easier. But before we get into details of the \nclaim\n itself, let\u2019s understand when you activate your \nown damage claim\n. For starters, the critical thing to determine is that you are to blame for the accident. Please note that the other driver might start accusing you without valid reasons, so try to look at things realistically. You also don\u2019t want to be subjective \u2013 if you are to blame, the odds are you have no chance of claiming against the \nthird party\n.\n\n\nWhat If The Accident Was Your Fault?\n\n\nIf you are to blame for the incident, you should consider your own damage claim. The next thing to determine, however, is whether you even have this option in your insurance policy. Most Malaysian \ninsurance companies\n offer it only in comprehensive coverages. That means \nODC\n isn\u2019t a part of basic policies, which indicates you must add it to your deal. It will be an additional expense, but one that might come in handy if an accident happens. Once a \ncar accident\n occurs, it\u2019s important to act wisely. The initial task is to confirm there are no injured people who need help. After that, you can resort to assessing any material damages to your vehicle. Make sure to take photos to ensure you have proof of the situation. Next, contact your \ninsurance company\n right away. They might tell you whether a police report is required (usually yes) and pinpoint other steps to take in the process.\n\n\nWhat Are The Benefits and Downsides Of An Own Damage Claim?\n\n\nThe critical advantage is evident \u2013 you don\u2019t have to pay for damages on your vehicle even if you are to blame for the incident. Additionally, the entire process is fairly straightforward. You\u2019ll need to handle some paperwork, but the mechanics working with the \ninsurance\n agency will fix the damage quickly. As for the downsides, please note that this will deactivate your \nNo Claim Discount\n. It\u2019s only logical because it\u2019s a claim, which means any benefits coming with the no-claim options are gone. That\u2019s why you should assess if it\u2019s worth the hassle. If the damages are small, is it cheaper to fix them yourself and keep \nNCD\n? It\u2019s worth noting that \nODC\n comes with potential fees. For starters, you might need to pay excess and \nbetterment\n charges. Additionally, you shouldn\u2019t count on compensation for the time when you aren\u2019t using the vehicle (\nCART\n). That would be only an option if you added CART as an extra option in your \ninsurance deal\n.\n\n\nFinally, the experts don\u2019t advise making an own damage claim when it\u2019s unclear who caused the accident. That\u2019s where you should go for a no-fault damage option, and the insurance company will take it from there.\n\n\nTags:\nCART (Compensation for Assessed Repair Time)\nInsurance Claims\nNo Claim Discount (NCD)\nOwn Damage Claim (ODC)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/08/which-car-insurance-policy-gives-more-benefits/", "title": "Which Car Insurance Policy Gives More Benefits?", "body": "\n\n\n\nUnderstanding the ins and outs of \ncar insurance\n can be a bit challenging. For these reasons, many vehicle owners in the country prefer to simply ask around for the \u201cbest\u201d auto insurance coverage out there and go for it. Yet, how do you know it\u2019s the best when you don\u2019t even know what the other policies even are? More to the point, do you know what it takes to get the most \nbenefits\n from an auto insurance package in Malaysia?\n\n\nIf you want to find out, just keep watching! Hi there! I\u2019m Fincrew brand ambassador, Stella, and I\u2019ll be guiding you through Malaysia\u2019s auto insurance terrain today. Become an expert in auto insurance without having to pay a dime! All you have to do to get started is to hit that Subscribe button on your screen, go to your settings, and enable notifications so you can access the Insurance360 Video Series collection! Here\u2019s your chance to become \ncar insurance\n savvy and get more value for your premiums! Now that you\u2019ve done that let\u2019s get to the main gist. Now, in your quest to find the \nauto insurance policy\n that offers the most \nbenefits\n, you must first know the types of coverage out there and their features.\n\n\nThe First Is The Third Party Auto Insurance Policy\n\n\nYou won\u2019t find a cheaper vehicle \ninsurance\n policy. As the most basic type of \ninsurance coverage\n, there are many limits to what you can get from this package. Apart from helping you fulfill the law\u2019s requirements and putting your vehicle on the road, the only other thing it does for you is to offer you financial protection for repairs and medical bills for the other driver, should you get involved in an accident. You\u2019ll have to cover your own medical bills and the \ncost of car repairs\n by yourself.\n\n\nThe Second Is The Third Party, Fire and Theft Cover\n\n\nFor all intents and purposes, this policy is exactly the same as the basic \nThird Party\n coverage. The only real difference is that it also gives you financial backup to cover any loss or damage to your car due to \ntheft\n or fire. However, you need to be very conscious of what claims you file with this policy. For example, you can\u2019t file a claim for a payout if your vehicle caught on fire due to a collision.\n\n\nLastly, The Comprehensive Auto Insurance\n\n\nThis \npolicy offers you the widest range of protection\n. Unlike the other \ntypes of cover\n, you don\u2019t have to pay out-of-pocket to repair damages to your vehicle from collision! All of that is on top of the fact that it also insures you for all the two other packages cover you for. Considering all of this, you can conclusively say that the \nComprehensive\n cover has the most to offer you. However, that isn\u2019t reason enough for you to opt for it! The more protection an auto insurance policy offers you, the more you usually have to pay for it. So, getting a Comprehensive policy for an old vehicle or which you can easily replace is counter-productive.\n\n\n\n\nIn this case, you could get more benefits and value for your money by getting cheaper car insurance. As such, be sure to consider what your situation is before settling for any policy. Did you find this video helpful? If so, don\u2019t leave without leaving it a Like and Subscribing to our channel! Turn on notifications, too! Till then, see you in our next episode from this Insurance360 video series!\n\n\nTags:\nComprehensive Coverage\nFire and Theft Cover\nInsurance Policy\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/10/27/can-i-get-car-insurance-without-a-car/", "title": "Can I Get Car Insurance Without A Car?", "body": "\n\n\n\nMost vehicle owners have a working understanding of the level to which the car insurance coverage they own protects them and their automobiles. However, it begs the question; Where does this leave drivers who don\u2019t own a car? Is there a particular policy for non-vehicle owners, or do they have to drive unprotected?\n\n\nToday\u2019s episode will explore the \ncar insurance\n options available to frequent drivers who don\u2019t own a motor vehicle. Hi! My name is Stella. In this episode, we\u2019ll be discussing the steps you can take to get financial security when you take an automobile out on the road as a non-vehicle owner. Driving is a big part of everyday life and because of this, so is \ncar insurance\n. Through our Insurance360 Video Series, you get to find out all you need to know to make your driving experience a pleasant one! Be among the first to see every video we upload by clicking on the Subscribe button and enabling notifications right now! Depending on the exact specifications detailed in a vehicle owners\u2019 \ninsurance policy\n, you may be eligible to get coverage, even if you get involved in an auto accident as a non-vehicle owner. However, if the accident was a terrible one, and the vehicle\u2019s \ninsurance coverage\n doesn\u2019t cover the full extent of the damages caused, this can result in some high out-of-pocket costs for you. But what exactly are your options?\n\n\nWell, you could find out if you\u2019re eligible for what is called a non-owner \ncar insurance policy\n. Basically, as the name already suggests, this is an \ncar insurance policy\n extended to drivers who don\u2019t own a personal vehicle. This can be a really advantageous policy to have under your belt if you drive frequently. If you get involved in an accident, the non-owner \ncar insurance policy\n offers you coverage for any resulting injuries and damages to the third party\u2019s person or property. You need to keep in mind that this type of coverage is that it only operates as Secondary Coverage. The implication is that it only kicks in when the existing coverage on the automobile isn\u2019t sufficient to cater to the accident\u2019s medical and repair expenses. Another detail worth mentioning is that the non-owner car insurance policy won\u2019t pay out claims for the repair of the vehicle or your medical costs if the accident occurred due to your actions. If you\u2019ll be driving a friend or family members\u2019 car around a lot, or you plan on renting a vehicle for a while, this \ninsurance policy\n just might come in handy. The good news is that a lot of car insurance companies offer this amazing policy. What\u2019s more, you don\u2019t need much to get it set up. All you\u2019re required to have at hand when requesting a quote is,\n\n\n\n\nSome necessary personal information\n\n\nYour driver\u2019s license details\n\n\nYour preferred method of payment details\n\n\n\n\nFor more assistance with this, simply follow the link provided down below! If you enjoyed this video, leave it a Like and Subscribe to our channel. Also, remember to turn on notifications to stay tuned for all upcoming episodes from this Insurance360 video series. Thanks for watching! We\u2019ll be back with more!\n\n\nTags:\nCar Insurance\nInsurance Policy\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/01/15/when-should-you-start-to-file-a-claim/", "title": "When Should You Start To File A Claim?", "body": "Car insurance isn\u2019t only mandatory by law in Malaysia but also strongly recommended by experts. It\u2019s a mechanism that protects if an accident occurs on the road, especially if you\u2019re not the one responsible. People often don\u2019t think they could be participants in road incidents, but it can happen to anyone. Once an accident occurs, you\u2019ll probably have many questions. One of them is how long after the incident you have to \nfile an insurance claim\n. In this article, we\u2019ll discuss all details related to \ncar accident\n deadlines.\n\n\nIs There A Deadline By When You Need To File A Claim?\n\n\nThe law doesn\u2019t specify a deadline for \nfiling car insurance claims\n. That\u2019s why the proper address to turn to is your \ninsurance provider\n. These companies might set the actual deadline in the policy you signed, or it can be in general terms and conditions of that agency. Depending on the \ninsurance company\n, the deadline could be from 14 to 60 days or more. Some agencies might even state they expect you to file a \nclaim\n in a reasonable timeframe. It\u2019s an intelligent move to clarify the agency\u2019s actual terms because you don\u2019t want to miss the deadline for filing a \nclaim\n.\n\n\nWhat Other Deadlines You Should Consider For Car Insurance?\n\n\nLet\u2019s say that you participated in an accident. For the purpose of this example, the accident wasn\u2019t your fault (the process is similar even when you are to blame). Your initial task is to confirm that everyone at the scene is okay and doesn\u2019t require medical help. Once you establish that, it\u2019s time to move to other steps. You want to start by talking to the other driver and clarifying the accident details. They might be ready to accept the blame, which simplifies the process. It\u2019s much easier than refusing the responsibility or leaving the scene, which forces you to deal with a \nhit and run\n. The mandatory thing to do is to file a police report. It\u2019s something that should happen within 24 hours of the accident. You can take photos of your \ndamaged car\n and the scene. If possible, take contact information from potential witnesses who could support your story. You want to provide as detailed info as possible in the police report.\n\n\nContacting Your Insurance Company\n\n\nOnce you file a police report, it\u2019s time to contact the insurance company. We\u2019ll assume that your car suffered damages and you want to repair them quickly. Therefore, it\u2019s in your best interest to contact the agency soon. Additionally, you don\u2019t want to risk anyone asking you why you waited so long or other problems that could arise because you waited. It\u2019s vital to get in touch with the insurance provider as soon as possible. In practice, many people who \nfile \ninsurance claims\n do that in less than a week. That initiates the process and allows you to get the compensation quickly (if everything is alright with the documentation). The actual time for finalizing the claim can vary, and that also depends on the accident\u2019s specifics. If it\u2019s clear that it\u2019s not your fault, everything should go smoothly, albeit if the other party claims differently, you might encounter issues that could prolong the process.\n\n\nTags:\nAccidents\nCar Accident\nInsurance Claims\nMalaysian Law\nRoad Accident\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/22/advantages-of-takaful-malaysia/", "title": "Advantages Of Takaful Malaysia", "body": "Takaful\n refers to a cooperative form of insurance governed by Shariah law. \nTakaful\n members contribute to a pool of funds that members can use to receive financial support in a covered loss. The Takaful system is built on cooperation, responsibility, assurance, protection, and assistance among groups of participants. Put another way. It involves providing shared contributions to those in need.\n\n\nTypes Of Takaful\n\n\nThe parties to a conventional \ninsurance contract\n are the policyholder and the insurance company. In return for \ninsurance coverage\n, the policyholder pays the insurance company. Takaful, however, involves both the insurer and the insured as contract participants. Several types of contracts are used to manage the takaful contracts and coverage.\n\n\n\n\nWakalah (agency)\n\n\nMudharabah (profit-sharing)\n\n\nHybrid Model\n\n\n\n\nWakalah\n\n\nThe takaful operator, or Islamic insurance company, becomes a third-party agent and handles the takaful contract. It is the agent who manages participants\u2019 funds. Participants pay a fee for the agent\u2019s services.\n\n\nMudharabah\n\n\nUnlike Wakalah contracts, Mudharabah contracts allow takaful participants to share profits with the contract company. The takaful participants provide capital through the premiums they pay. The contract manager invests the participants\u2019 money into Sharia-compliant investments using his expertise and skills. Profits are shared between participants and the manager according to an agreement. A shared gain compensates the manager for their time and experience rather than paying a flat fee, and a manager does not receive compensation if the investments do not profit.\n\n\nHybrid Model\n\n\nHybrid Takaful, also known as mixed Takaful, combines elements of both \nWakalah\n and Mudharabah. The takaful manager in this model receives a set \nWakalah\n fee and a portion of the investment profits.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nWhat Are The Advantages Of Takaful Insurances\n\n\nEconomic Benefit\n\n\nSavings, investments, and income largely determine economic growth. Here\u2019s how Takaful has impacted all three:\n\n\n\n\nAs Takaful products include a savings and investment component, they have become more complex and helpful in providing early preparation (in case of an emergency) to policyholders.\n\n\nIn Malaysia, because Takaful is Shariah Compliant, it is a popular instrument for saving compared to conventional \ninsurance\n. Furthermore, non-Muslims can also get involved, which further strengthens its appeal.\n\n\nTakaful\u2019s can pool their funds effectively. By encouraging investment, the country\u2019s Gross Domestic Product (GDP) increases, thereby boosting the nation\u2019s income.\n\n\n\n\nYou Earn Profits Instead Of Bonuses\n\n\nAll participants and shareholders share profits from investments. It is unlike \nconventional insurance\n. Any extra profit or money derived from this coverage goes to the shareholders of the \ninsurance companies\n.\n\n\nInterest-Free\n\n\nThe traditional insurance industry aims to increase profit by collecting premiums and gaining interest on under-owned accounts. On the other hand, Takaful is aimed at achieving cooperation among participants.\n\n\nCashbacks\n\n\nA certain amount of cashback is offered for certain Takaful products if no claims are made during coverage.\n\n\nGood Deeds\n\n\nThe fundamental concept of Takaful is cooperation. A pooled fund provides \nfinancial\n assistance. People under Takaful collectively contribute to this. God will bless the participants both in this life and the next. Regardless of participants\u2019 religious beliefs, the Takaful system benefits everyone regardless of color or creed.\n\n\nTags:\nGross Domestic Product\nHybrid Takaful\nMudharabah\nShariah Compliant\nTakaful\nWakalah\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/06/02/unlocking-business-growth-your-guide-to-online-seller-business-loans/", "title": "Unlocking Business Growth: Your Guide To Online Seller Business Loans", "body": "E-commerce has a lot of potential in Malaysia. There\u2019s zero doubt about that. But even with this, it isn\u2019t uncommon for eCommerce and online sellers to struggle a little with getting the ball rolling. So, if you want to get \nbusiness loans\n to boost your online business, all you have to do is follow these three (3) simple steps:\n\n\nStep One \u2013 Attend To The Legal Affairs Of Your Online Company\n\n\nAs every Malaysian knows, legalities are essential in the country. Because of this, you need to make sure you\u2019re very clear on the specifics of what type of online \nbusiness\n you\u2019re running. In addition to the above, you should also ensure a good picture of the local market. Along these lines, one thing you should be intimately familiar with is the debt collection law in the country. Finally, ensure that you have any license or permit necessary to run the \ntype of online business\n you\u2019ve set up.\n\n\nStep Two \u2013 Prepare a Clear And Concise Business Plan\n\n\nEven family members will be hesitant to extend you a line of credit if you don\u2019t give the impression that you\u2019re well put together and have a clear idea of where you\u2019re going. It goes double for corporate \nfinance\n institutions. Consequently, it would help if you had a detailed and specific business plan. But having said that, it can be challenging to prepare a proper business plan. To help with this process, you can start by putting down all your thoughts and ideas for the online venture as well as your short and long-term goals for the virtual enterprise. It can help you get a clear sense of where you will go so you can prepare a more constructive business plan.\n\n\nStep Three \u2013 Start Knocking On Doors\n\n\nNow that you\u2019ve defined your brand and have a good business plan handy, the next thing on your to-do list becomes finding the best \nbusiness loans\n for your enterprise. One of the most practical and efficient ways of doing this is by looking at what funding opportunities the government is offering. Five (5) fantastic funding schemes we love are;\n\n\n\n\nThe TEKUN Financing Scheme.\n\n\nSoft \nLoan\n Schemes for Services Sector or SLSSS.\n\n\nThe Tambung Pembangunan Pengangkutan Awam Scheme or TPPA.\n\n\nTabung Usahawan Siswazah or TUS Scheme.\n\n\nSME Emergency Fund Program or SMEEF.\n\n\n\n\nHowever, as many of these programs tend to have a long waiting list, they aren\u2019t always ideal for online businesses that need the influx of cash as soon as possible. So alternatively, you can use the \nFinCrew Small and Medium Enterprise (SME) Loan Comparison tool\n to get a rundown of what options you can access more quickly. It\u2019s simple to use, delivers excellent results, and it\u2019s completely free!\n\n\nConclusion\n\n\nIt can take a considerable amount of resources to get your online business to where you want it to be. But now that you have a better idea of how to get more funds, we hope you have an easier time with the affair!\n\n\nTags:\nBusiness Loan\nOnline Seller\nSLSSS\nSMEEF\nTEKUN Financing Scheme\nTPPA\nTUS Scheme\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/03/09/your-car-insurance-cover-type/", "title": "Your Car Insurance Cover Type", "body": "The law requires you to have \ninsurance\n for every car you drive. However, many people are unfamiliar with their options and details of different coverage policies. Users often get a policy from an agency without knowing enough about their \ncar insurance cover\n type. In this article, we will tell you the ways how to learn more about your currently active policy. Our experts also share additional information about different covers to help you make an informed decision on whether you want to change your deal with the agency.\n\n\nHow To Check Your Car Insurance Cover Type?\n\n\nIf you need a reminder or don\u2019t know which type of car insurance you have, there are two ways to check it. The first one is to take a look at your \ninsurance policy\n. You should have it nearby if an accident happens, which is why many people store it in their vehicles. Our advice is not to read it in a rush. Make sure that you have enough time to read all the specifics. Apart from the primary cover, your policy might have some add-ons, and it is vital to get to know all its details. An alternative is to go to your \ninsurance company\n, give them a call, or contact them online. You should provide necessary personal information so that they can track you in their system. Based on the data provided, they will tell you what type of \ncar insurance cover\n you have. The agency can also tell you when the current deal expires and anything else that might be of interest.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nWhich Car Insurance Cover Types Are Available in Malaysia?\n\n\nHere is an overview of the three basic available plans:\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n \n\n\n\n\n\n\n\n\nPlan\n\n\n\n\n\n\nWhat\u2019s Included?\n\n\n\n\n\n\nWhat\u2019s Not Included?\n\n\n\n\n\n\nPrice\n\n\n\n\n\n\n\n\n\n\n3\nrd\n Party Cover\n\n\n\n\n\n\n*Injury, death, loss, and damage caused to a third-party property\n\n\n\n\n\n\n*Injury or death of the driver or passenger\n\n\n*Loss and damage to your vehicle\n\n\n*Fire and theft of your vehicle\n\n\n\n\n\n\nAffordable\n\n\n\n\n\n\n\n\n\n\n3rd Party, Fire & \nTheft Cover\n\n\n\n\n\n\n*Injury, death, loss, and damage caused to a third-party property\n\n\n*Fire and theft of your vehicle\n\n\n\n\n\n\n*Injury or death of the driver or passenger\n\n\n*Loss and damage to your vehicle\n\n\n\n\n\n\nAverage\n\n\n\n\n\n\n\n\n\n\nComprehensive\n Cover\n\n\n\n\n\n\n*Injury, death, loss, and damage caused to a third-party property\n\n\n*Fire and theft, loss, and damage of your vehicle\n\n\n\n\n\n\n*Injury or death of the driver or passenger\n\n\n\n\n\n\nCostly\n\n\n\n\n\n\n\n\n\n\n\n\nWe will discuss the basics of each below.\n\n\nThird-Party Cover\n\n\nThe term third party refers to those who didn\u2019t directly sign the insurance cover. That means anyone out there who is not the policy owner or the agency. A \nthird-party cover\n offers essential protection if an accident occurs. That means it \ncovers any damages\n and injuries caused to third-party persons or vehicles. However, it won\u2019t cover anything that happens to your car or people traveling in it at the moment of the accident.\n\n\n3rd Party + Fire And Theft\n\n\nThe second option is to get the \nthird-party cover\n with \ntheft and fire protection of your car\n. This is a two-in-one deal, and it can be a smart move if you live in a neighborhood with a high crime rate. However, please note that this policy is more expensive than the basic third-party cover.\n\n\nComprehensive Cover\n\n\nThis is the deal that offers the most from all three available. It covers damage and loss to all vehicles participating in the accident. However, it will only cover the death and injury of those in third-party cars and not in the vehicle you own. Apart from the basic types of \ncar insurance\n covers, you can also go with different add-ons. Ask your \ninsurance provider\n to learn about additional services provided if you pay the extra price.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nTags:\nComprehensive Coverage\nCoverage\nFire and Theft Cover\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/07/personal-loan-terms-and-prepayment-penalties/", "title": "Personal Loan Terms And Prepayment Penalties", "body": "Getting a personal loan\n requires considering many details, from interest rates and credit score requirements. An extra fee you don\u2019t want to pay is a prepayment penalty. Here, we\u2019ll look at a prepayment penalty, why lenders charge it, and how to avoid it entirely.\n\n\nCompare Personal Loan In Fincrew\n\n\nWhat Is a Prepayment Penalty?\n\n\nPrepayment penalties\n (also known as early payoff fees) are charged by some lenders when you repay your \nloan\n early. In addition, there is a specific \nloan term for each personal loan\n, which represents the length of time you have to pay off the loan balance (plus interest) you borrowed. Repayment terms can typically range between six months and seven years, but lenders have their preferences regarding repayment, which can vary by a few months or a few years. Suppose you got the approval for a \npersonal loan\n with a prepayment penalty, and the lender states that the repayment term is four years (48 months); you will need to pay fixed, equal payments with interest for 48 months to repay what you borrowed. You will get a penalty if you pay more than the amount due each month, and you have a paid loan before the 48 months are up.\n\n\nPrepayment Penalties: Why Do Lenders Charge Them?\n\n\nPrepayment penalties\n discourage borrowers from paying off loans quickly. When a lender issues a loan, they expect to earn interest income over time. As a result, if you pay off your loan balance quickly, lenders make less interest, reducing their profits from your loan. Prepayment penalties are either a way for lenders to get some of the money they expected or an incentive for you to delay your payments.\n\n\nWhat Is The cost Of The Prepayment Penalty?\n\n\nPrepayment penalties vary in price depending on the charge. Generally, there are three ways to charge prepayment penalties:\n\n\n\n\nBased upon a percentage of the loan balance\n\n\nThe amount of interest you are owing to your lender because you paid off the loan early\n\n\nFor a fixed rate\n\n\n\n\nAs a result, the prepayment penalty can range from a few hundred ringgit to several thousand ringgit, depending on how much you borrowed and the calculated fee. So, although prepaying your loan could save you on interest charges, you may, in turn, end up paying a prepayment fee. Any time you choose to pay off your loan early, be sure to do the math. For example, when you are almost done paying off a \npersonal loan\n balance and want to repay the remaining balance, compare the cost of the fixed prepayment fee versus the remaining interest. There may be a cost advantage to making monthly payments rather than paying a fixed price.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nWhat You Can Do To Avoid Paying a Prepayment Penalty?\n\n\nThe following suggestions can help you avoid prepayment penalties:\n\n\nLoan Shop\n\n\nSpeak with several lenders. The lender you work with doesn\u2019t charge any prepayment penalties, regardless of your \ncredit score\n.\n\n\nConsider Joining a Credit Union\n\n\nIt might be possible to get approved by a credit union if you have trouble getting approved by a lender that does not charge fees. In addition, credit unions care more about keeping you happy than other lenders, so you have a better chance of avoiding a prepayment penalty.\n\n\nThink About a Secured Loan\n\n\nSome lenders will waive the fee if you obtain a \nsecured loan\n instead of an unsecured loan. As collateral, secured personal loans require you to own something of value (such as a car, home, investment account, land, or jewellery) to receive a loan.\n\n\nTags:\nCredit Union\nPrepayment Penalty\nSecured Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/24/income-replacement-benefits-in-insurance/", "title": "Income Replacement Benefits In Insurance", "body": "You probably might be eligible for \nincome replacement benefits\n after being involved in a car accident and unable to work. The amount of your loss of income and the extent of your injury will determine whether you qualify for compensation. Please find out more about \nIncome Replacement Benefits\n, or IRBs as they\u2019re colloquially known.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nIncome Replacement Benefits: What Are They?\n\n\nIRBs pay weekly compensation to people injured in \ncar accidents\n, including workers, students, children, retirees, and the unemployed. To qualify for an IRB, you must have \u201csubstantial difficulties carrying out the essential functions of your employment\u201d (including self-employment) due to your car accident. Several factors determine if a person meets these criteria to receive an IRB. These include:\n\n\n\n\nHaving a job or being self-employed when the crash occurred\n\n\nHaving worked for 26 or more weeks out of the 52 leading up to the crash\n\n\nBeing covered by employment insurance at the time of the accident\n\n\nWhen the collision occurred, you must be unemployed and at least 16 years old.\n\n\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nHow Much Will You Be Compensated For Your Lost Income?\n\n\nDepending on your gross weekly income, you may receive up to 70 percent. The amount will depend on your employment history before the crash. For the first seven days following an accident, income replacement benefits are also not payable. To calculate your benefits, you will need to provide the following if you were working when the accident happened:\n\n\n\n\nGross income for the 52 weeks preceding the crash; or\n\n\nTaking the gross income in the four weeks before the collision and multiplying it by 13\n\n\n\n\nIn addition, if you receive another source of income replacement, they will reduce your benefit amount. For example, if you receive income assistance from your employer or another insurance policy.\n\n\nHow Soon Do Income Replacement Benefits Begin?\n\n\nInsured persons may receive income replacement benefits seven days after the accident if they qualify. The sooner you \nfile a claim\n following an accident, the better your chance of receiving compensation to replace the lost income because of your time away from work. It can be challenging to apply for benefits or deal with an insurance company. In light of the complexity of this Insurance Act and its regulations, Fincrew Insurance can assist you with navigating the system.\n\n\nIs There a Deadline On When I Can Receive An IRB?\n\n\nYou would be eligible for \nIRB\n for a minimum of 2 years after an accident as long as you meet the criteria above. The criteria for qualifying for an \nIRB\n change after two years and become more challenging to meet. The new measures include:\n\n\n\n\nSuppose you lose your ability to work because of the accident. In that case, you cannot engage in any job for which you are reasonably qualified due to education, training, or experience.\n\n\nIf you qualify for an IRB, you will usually be examined by a doctor of your insurance company\u2019s choice.\n\n\n\n\nFor more information on all your options and to protect yourself against unfair assessments and refusals to pay your IRB, speak with a Fincrew Insurance agent to help you out.\n\n\nDocuments Needed To Apply For Income Replacement Benefits\n\n\nWithin seven days of the accident, notify your insurer of your injuries. If you wish to receive income replacement benefits, you must submit your initial application 30 days after the accident. You must also submit the following forms:\n\n\n\n\nYour boss must provide a copy of the Employer\u2019s Confirmation Form (OCF-2) unless you are self-employed. To complete this form, you will need to provide information about your salary, weekly income, tips, and any other compensation you receive.\n\n\nTo add, Disability Certificate (OCF-3), you will need to complete an OCF-3 detailing your inability to work due to your accident.\n\n\n\n\nTags:\nDisability Certificate\nIncome Replacement Benefits\nIRB\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/29/getting-extension-for-personal-loan-repayment/", "title": "Getting Extension For Personal Loan Repayment", "body": "Life can be unpredictable at times. If you find yourself suddenly unable to make one or more of your loans, it\u2019s best to act sooner than later. The sooner you move, the minor damage you sustain, and the easier the eventual cleanup is if you do not allow things to deteriorate further. There are times when the solution is simple. If you cannot afford your \ncar payments\n, you can sell your car and try to find a less expensive (but safer) vehicle or do without a car altogether. Indeed, things aren\u2019t always easy, but you can stay on top of things by using specific strategies. If your lender allows it, the best option is to defer or extend your \nloan\n repayments until your finances are in order again. It is crucial to understand how the \npersonal loan\n deferment system works before you start using it to avoid getting into deeper trouble.\n\n\nCompare Personal Loan In Fincrew\n\n\nWhat Is Personal Loan Deferment?\n\n\nThe term \u201cdeferment\u201d refers to a pre-approved temporary break from making payments on your debt, such as a \npersonal loan\n. If you need a deferment, you will need to speak to your lender and explain your situation. For example, you lost your job, lost your hours at work, were affected by a national emergency, or needed expensive medical care. The lenders typically defer payments for borrowers who are experiencing \nfinancial\n hardship. Most lenders are still willing to work with you, even though deferment isn\u2019t mandatory on personal loans. However, profit-wise, they make more sense to pre-approve a borrower for a temporary break in payments than to initiate collection proceedings.\n\n\nHow Personal Loan Deferment Payment Works\n\n\nBy deferring payment, you agree to postpone that payment. For instance, if you get a one-month deferment and originally planned to repay your loan in November 2021, you would now have to repay it in December 2021 (assuming no further deferrals exist). You must understand the terms of any deferred payments you might get from a lender. In particular, you need to know precisely when your deferment officially begins and when it ends. Knowing these two dates is vital because regular payments should be outside the deferment period. Suspensions are in one-month intervals usually, but they can last longer. Suppose your next monthly payment is due on Oct. 1, and your deferment starts on Oct. 2; you\u2019ll still have to make the payment in October.\n\n\nAfter the end of a borrower\u2019s deferment period, a borrower who is still experiencing financial problems can contact the lender for another deferment. Deferments might be limited in some lenders\u2019 policies, while others could get a grant on a case-by-case basis. Your lender may only grant deferments at monthly intervals, for example, so you\u2019ll need to keep in touch with them each month until you can make payments again or find another solution.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nAlternatives To Personal Loan Deferment\n\n\nIf your lender offers it, loan \ndeferment\n can be a great option. However, it is not your only option. You can also try these options if your lender doesn\u2019t offer \ndeferment\n or if you\u2019d instead try another:\n\n\nRequest a Modified Payment Plan From Your Lender\n\n\nA deferment is technically a modification to your payment schedule. If your financial setback isn\u2019t only temporary, you might be better off asking your lender to extend the duration of your loan. In this way, payments will be over for a more extended period. The long-term cost is higher, but your monthly payments are smaller and easier to budget.\n\n\nLoan Refinancing\n\n\nTake your \nbusiness\n to another lender by refinancing your loan if your lender won\u2019t modify your payment plan. While you\u2019re at it, you may even be able to get a lower interest rate. To qualify for better terms, you may be required to have a good or excellent credit rating to be eligible for better times.\n\n\nConsult a Credit Counsellor\n\n\nIf you have trouble working with your lender and know you can\u2019t make your payments right now, speak with a credit counsellor. A counsellor can also assist you if you are unsure whether a moratorium is a suitable option for you \u2013 or if you would prefer an alternative.\n\n\nCheck your company eligibility & apply business loan online.\n\n\nTags:\nCredit Counsellor\nDeferment\nPersonal Loan\nRefinance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/09/06/is-car-insurance-companies-being-discriminatory/", "title": "Is Car Insurance Companies Being Discriminatory?", "body": "Have you ever wondered if \ncar insurance\n companies are fair when determining their \ncar insurance policy rates\n? Many would say that some factors that affect the premiums seem discriminatory. For example, you have a policy for the same vehicles, and the users picked the same add-ons. However, one of the users is only 22 years old, and the other one is 52 years old and without major traffic offenses behind them. The \ninsurance rates\n for the younger user will be higher, but why is that the case? Here is a thorough analysis of the potentially discriminating factors used when determining \ncar insurance\n policies.\n\n\nDo Younger People Need to Pay Higher Premium?\n\n\nThe answer is yes, but that is not because the \ninsurance companies\n are discriminating. When it comes to \nroad accidents\n in Malaysia, the statistics show that drivers younger than 25 are most prone to road rage, driving irresponsibly, and causing accidents. Unfortunately, the reports indicate that most deaths are noticed in this age group. Since these statistics show that \nyoung drivers\n are at high risk on the roads, the insurance companies charge them more. As time passes, they can prove themselves by not \nfiling claims\n or committing traffic offenses. A clean driving record will help them to lower the \ncar insurance policy rates\n over the years.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nDo Men Have to Pay More for an Insurance Policy Than Females?\n\n\nYes, and the research also supports this decision. The statistics show that males \ncause more accidents\n than females. Although that might be because you will find more male drivers, it doesn\u2019t change the fact they are a higher risk.\n\n\nHow Can a Car Make and Model Affect the Insurance Rates?\n\n\nIf we are talking about car types, owners of both old and new vehicles could have reasons to complain. When it comes to new cars, the repairs cost more, which is why the insurance company could increase the cost. However, extra safety features found on new vehicles might lower the rates. You won\u2019t find those safety features on old cars, which could cause a rate increase for their owners. Ultimately, this is only one of the factors that affect the \ncar insurance\n policy cost, and the company will analyze all relevant criteria when setting the price.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nCan Where You live Change the Price of Your Insurance Policy?\n\n\nYes, your geographical location will affect the insurance rates in multiple ways. Those include:\n\n\n\n\nCrime rates \u2013 if the crime is common in your area, that increases the risk of the vehicle getting stolen.\n\n\nCity driving \u2013 if you live or plan on driving through congested roads and busy streets frequently, that could increase the price. Those living in rural states will have somewhat better rates since they are a lower accident risk.\n\n\n\n\nFinal Thoughts \u2013 It Is Not About Discrimination\n\n\nUltimately, we feel the need to mention that \ncar insurance\n policy is not about discrimination. You can see that because no \ninsurance company\n will ever change the policy price based on your religion or race. The purpose of assessing various factors when determining your insurance rates is to protect the insurance company from getting into a bad deal. The criteria used to assess a particular user\u2019s situation and the level of risk involved. If the estimated risk is higher, the company will increase its rates. However, \ninsurance\n agencies also offer a variety of benefits, especially for their loyal users. That is why you should aim to find the best deal possible and enjoy the fact that you found the most favorable policy available.\n\n\nTags:\nCar Insurance\nInsurance Claims\nInsurance Policy\nInsurance Premiums\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/11/20/claim-declined-for-accident-due-to-using-a-mobile-phone/", "title": "Claim Declined For Accident Due To Using A Mobile Phone", "body": "If you\u2019re using the mobile phone while driving, it is an offense. But not only the \nMalaysian law\n requires you to pay a fine if you get caught using your smartphone behind the wheel, that is also irresponsible. You are putting at risk yourself and everyone else around you. What if you participated in an accident while you were using a mobile phone? For example, you could have been driving slowly and checking messages on your smartphone. Another vehicle hit you from behind, which means you are technically not to blame. The question is whether the \ninsurance company has the right to decline your accident \nclaim\n if you were using a mobile phone. Our short answer would be yes, and the explanation follows below.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhy Does The Insurance Company Refuse To Pay For The Damages?\n\n\nIf we look at the past cases, there were multiple situations where the \ninsurance company refused to pay\n for the damages. They used the driver using their mobile phone as the reason for their action. As an explanation, they offered that the \ninsurance\n owner (driver) didn\u2019t take reasonable measures to prevent the damage from happening in the first place. A simple explanation would be that the \ninsurance company\n established that you were negligent. If you took precautions expected from you, the vehicle might not have been damaged at all. Not using a mobile phone is among the reasonable actions you should take while behind the wheel.\n\n\nHow Can They Confirm That I Used A Mobile Phone?\n\n\nWhile completing a police report, the driver might admit that they used a mobile phone at the moment of the accident. A \npolice officer\n might have entered that in the report after talking to everyone who participated in the incident. The driver of another vehicle could notice that you were using a smartphone and mentioned that in the report.\n\n\nWhat Should I Do When An Insurance Company Rejects My Claim?\n\n\nHere are some steps that you should consider after receiving a rejection notification:\n\n\n\n\nRead the details of why they rejected your \nclaim\n.\n\n\nAnalyze the existing documentation carefully and compare it with the rejection letter.\n\n\nTry to identify if you have any grounds to write a complaint.\n\n\nYou can write a formal complaint letter to the insurance company where you \nclaim\n that you\u2019ve been wrongfully rejected.\n\n\nIt is possible to get an independent assessment of your case. If you feel you are right, you can consider contacting an Ombudsman Service or taking the matter to court.\n\n\n\n\nJoin Fincrew Official Youtube Channel\n\n\nIt is worth noting that the \nMalaysian law\n indicates you can use a mobile phone while driving. According to the official documents, even an attempt to use a handheld device while behind the wheel is prohibited. The only way you can use communication devices is via a hands-free setup. The \ninsurance companies\n suggest that the driver\u2019s recklessness or carelessness is why the participants couldn\u2019t avoid the accident. That is why they refuse to pay for the damage. If the \ninsurance\n agency denied your claim because you used a phone while driving, you should pay more attention in the future. Using handheld devices is dangerous not only for drivers but also for passengers and everyone else around the vehicle. That is why you should use hands-free equipment or completely avoid interaction with your smartphone while driving.\n\n\nTags:\nCar Accident\nInsurance Claims\nMalaysian Law\nOmbudsman\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/20/bagaimana-syarikat-insurans-auto-menyiasat-tuntutan-kemalangan/", "title": "Bagaimana Syarikat Insurans Auto Menyiasat Tuntutan Kemalangan?", "body": "\n\nBagi pemandu yang biasa dengan proses bagaimana insurans kenderaan berfungsi di negara ini, keseluruhan proses mengemukakan tuntutan sebenarnya agak mudah. Tapi, bagi pemilik kenderaan yang kurang tahu banyak tentang insurans kenderaan hanya tahu mereka mempunyai pelindungan sekiranya sesuatu yang buruk berlaku. Banyak pihak yang diinsuranskan tidak menyedari bahawa setiap syarikat insurans menyiasat dengan mendalam kesahihan setiap \ntuntutan kemalangan\n yang diajukan sebelum mengeluarkan pampasan.\n\n\nBagaimana Syarikat Insurans Menyiasat Tuntutan Kemalangan?\n\n\nKenapa proses penyiasatan sangat penting? Teruskan menonton untuk mengetahuinya! Siasatan ke atas keaslian tuntutan anda bermula pada saat anda \nmengemukakan tuntutan\n. Seperti yang mungkin telah anda ketahui, selain membuat laporan polis, anda perlu memaklumkan kepada syarikat insurans anda mengenai kejadian tersebut.. Pada asasnya, penyiasatan ini dilakukan atas dua sebab:\n\n\nSalah satu sebabnya ialah, syarikat insurans mahu memastikan bahawa kemalangan tersebut benar-benar berlaku seperti yang anda jelaskan dan anda tidak cuba untuk menipu mereka secara sengaja atau pun tidak. Sebab lain syarikat insurans menyelidik \ntuntutan kemalangan\n anda dengan teliti adalah untuk memastikan bahawa mereka memang perlu mengeluarkan \npampasan\n kepada anda. Banyak syarikat insurans di luar sana mahu mendapatkan keuntungan dan seandainya mampu tidak teragak-agak untuk menolak pembayaran \npampasan\n kepada pemilik kenderaan.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nSebaik sahaja anda memfailkan tuntutan tersebut, anda akan mendapat maklum balas daripada wakil syarikat insurans anda. Individu ini dipanggil \u2018Adjuster\u2019 atau Penyelaras dan mereka secara rasmi akan memulakan proses siasatan bagi pihak syarikat insurans anda. \u2018Adjuster\u2019 mungkin akan meminta item seperti:\n\n\n\n\nSalinan asal laporan polis anda\n\n\nGambar bukti mengenai kerosakan akibat \nkemalangan\n kereta atau insiden\n\n\nPeriksa kenderaan secara fizikal\n\n\nSalinan bil perubatan anda\n\n\n\n\nAnda juga diwajibkan untuk menyatakan semua kerugian anda, jadi setiap pihak tahu apakah kerugian yang anda tuntut. Setelah berunding dengan anda, \u2018adjuster\u2019 juga akan menghubungi setiap pihak yang \nterlibat dalam kemalangan\n tersebut termasuklah saksi dan orang yang lalu-lalang. Ini untuk memastikan mereka mengesahkan kenyataan anda mengenai kejadian tersebut.\n\n\nMereka juga akan mengunjungi lokasi kemalangan bagi mendapatkan keputusan yang lebih baik. Setelah menyelesaikan rutin ini dan juga aktiviti lain yang perlu, \u2018adjuster\u2019 akan memutuskan kesalahan dan berapa pembayaran yang bersesuaian sekiranya ada. Proses ini boleh memakan masa, di mana anda mungkin mahu memutuskan untuk mula membaiki kenderaan anda. Anda mempunyai pilihan untuk membawa kereta anda ke bengkel panel syarikat insurans atau bengkel lain. Tapi, jika anda menggunakan khidmat bengkel selain bengkel panel insurans syarikat anda, mungkin akan ada pertikaian mengenai kos pembaikan.\n\n\nTags:\nAdjuster\nPampasan Insuran\nSyarikat Insurans\nTuntutan Insurans\nTuntutan Kemalangan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/12/do-tech-businesses-qualify-for-business-loans/", "title": "Do Tech Businesses Qualify For Business Loans?", "body": "Are you thinking of launching or expanding your high-tech entrepreneurial venture? Perhaps you\u2019ve had a brilliant startup business idea or are considering expanding your startup, but you\u2019re unsure if you can get a loan to fund it. Fortunately, numerous private and public resources in Malaysia provide cash injections to startup businesses! Let\u2019s look at some of the funding options available.\n\n\nCheck your company eligibility & apply business loan online.\n\n\nGovernment Business Loans\n\n\nStartups can look to the government for \nloans\n to help them fund their business plans and initiatives. Government-provided financing schemes are typically more affordable and have lower interest rates. Furthermore, government programs improve access to financing for specific groups (e.g., women, ethnic minorities, and young entrepreneurs) that face unique challenges or more significant economic barriers. Consider the following three government loan programs:\n\n\nSoft Loan Scheme For Small & Medium Enterprises (SLSME)\n\n\nMalaysian Industrial Development Finance Berhad (MIDF) administers the SLSME, which provides loans to startups and SMEs to fund working capital, fixed asset purchases, and other projects. The minimum amount is RM50,000, with financing caps and percentages varying according to the type of expenditure. For example, you may be able to obtain up to 90% financing for the purchase of new assets. This loan has a profit rate of only 4% per year. For more details on the SLSME loan, visit the MIDF web page or the SLSME web page on MASTIC.\n\n\nGraduate Entrepreneur Development Programme (PPUS)\n\n\nThis loan scheme, offered by TEKUN Nasional, an agency under the Ministry of Entrepreneurial and Cooperative Development, provides up to RM50,000 in financing for Bumiputera graduates aged 18 to 40 who want to start a \nbusiness\n. If your startup is a partnership, the maximum financing amount is RM150,000 (up to three business partners per business). If this financing option suits your needs, you can kick start the process by applying online or filling in a form and submitting it to TEKUN Nasional.\n\n\nIndian Community Entrepreneur Development Scheme (SPUMI)\n\n\nSPUMI, also part of TEKUN Nasional, provides Malaysian Indians with financing for their businesses (including startups). The loan program has two sections:\n\n\n\n\nSmall Loan Scheme, under which applicants can borrow between RM10,000 and RM50,000 with repayment terms of up to 5 years.\n\n\nMedium Loan Scheme, with loan amounts ranging from RM50,000 to RM100,000 and repayment terms of 10 years. Visit the Application Guidelines page for more info.\n\n\n\n\nOther loan programs administered by TEKUN Nasional include the TemanNita Financing Scheme, TEKUN Niaga Financing Scheme, and Ar-Rahnu TEKUN. If none of these loan programs is a good fit for you, look at this comprehensive list of \nfinancial\n support programs for entrepreneurs to find a better match for your specific business needs.\n\n\nBusiness Loans From Private Banks\n\n\nBusiness loans\n from private consumer and commercial banks and other financial institutions are typically easier to obtain and disburse than government loans. Sometimes, loan application, approval, and disbursement may take less than 30 minutes. Of course, this depends on the bank\u2019s resources, the type of loan, and the applicant\u2019s credit. Furthermore, private bank \nloan schemes\n typically provide unsecured options, which means you would not have to pledge collateral assets such as your home or a fixed deposit to apply for it. Some startups may be unable to obtain \nbusiness loans\n due to eligibility requirements. Higher-income levels or revenues, as well as business operation tenure, may preclude smaller startups. Aside from eligibility, private bank \nbusiness loan schemes\n typically have higher interest rates and fees. Financing rates usually range from 6.5% to 12.5% per annum or higher, whereas government \nloan schemes\n usually offer lower rates ranging from 4% to 8% per annum.\n\n\nGovernment Grants\n\n\nA government financial grant for businesses is a type of financial aid that allows recipients to use it for a specific purpose, such as funding research, initiating automation, paying for marketing activities, etc. Depending on the grant type, it can also be used more broadly, for example, to assist businesses with working capital, emergency assistance, and expansion plans. Let\u2019s take a look at two Malaysian government grant programs for new businesses:\n\n\nCIP IGNITE\n\n\nCIP IGNITE is a financial program that provides up to RM500,000 in grant money to eligible startups in the tech industry (including \u201clocal SMEs and spin-off companies from universities and research institutes\u201d).\n\n\n(MDEC) SME Digitalization Grant\n\n\nThe MDEC Digitalization Grant can assist startups in funding the digitalization of their business operations and services. The grant will match 50%, or up to RM5,000, for digital subscription services such as digital marketing plans, web store setup, and remote working, among other things. You may only select digitalization subscription services from MDEC-approved providers as part of the requirements.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nBusiness Loan\nCIP IGNITE\nGovernment Grant\nIndian Community Entrepreneur Development Scheme\nMalaysian Industrial Development Finance Berhad\nMDEC\nSLSME\nSME Digitalization Grant\nSoft Loan Scheme For Small & Medium Enterprises\nSPUMI\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/03/04/reasons-you-need-to-have-personal-accident-insurance/", "title": "Reasons You Need To Have Personal Accident Insurance", "body": "Accidents are unfortunate for many people each year, but nobody wants to be involved in one. Although you can\u2019t plan for where and when accidents will happen, you can prepare if they occur. A car accident is an example of the type of incident when a \npersonal accident insurance\n policy can be beneficial. The policy compensates victims of violent accidents for their disabilities, injuries, and deaths. This policy offers benefits that are quite different from those related to health \ninsurance\n or life insurance. You can buy the policy for yourself alone or the whole family, as the name implies. It provides worldwide and round-the-clock protection, which is one of the best aspects of the insurance plan. Here are five \nreasons you should have a \npersonal accident insurance\n policy\n, but first, let\u2019s talk about the policy\u2019s benefits.\n\n\n\n\nBenefits Of Accident Insurance\n\n\nA \npersonal accident insurance policy\n offers different benefits. Below are the most important ones:\n\n\n\n\nAccidental death: In the event of the policyholder\u2019s death in an accident, their nominee will collect 100% of the \nsum insured\n.\n\n\nPermanent total disabled: A policyholder who is partially disabled because of an accident may receive 100% of their insurance payout.\n\n\nTemporary total disability: Accidents that temporarily disable the policyholder may result in them receiving a 100% payout of their insured amount. It may be the case if, for instance, the policyholder gets a broken bone and must recuperate at home. \nInsurance for personal accidents\n may provide coverage for medical expenses and lost wages.\n\n\n\n\nHere are the reasons why you should purchase personal accident insurance:\n\n\n1. Medical Expenses Coverage\n\n\nA person who has health insurance or \npersonal accident insurance\n has quite a few options. The former policy covers medical expenses to some extent. Should you still be unable to pay off the remaining payments, you may use the latter\u2019s coverage. In addition to paying for the remaining medical expenses, it will also cover rehab costs.\n\n\n2. Less Burden On The Family\n\n\nPersonal accidents can change people\u2019s lives. With the \nfinancial\n burden of paying for medical expenses, especially for a typical salaried person, it becomes challenging to cope with the loss of a loved one or the care of someone who becomes disabled. Personal accident coverage comes in handy in such situations by providing a range of benefits such as accidental hospitalization coverage, permanent or temporary disability coverage, etc.\n\n\n3. Affordability\n\n\nPersonal accident insurance policy\n is relatively low compared to other types of health and life insurance. People with high occupational risks, such as industrial workers, should opt for these types of plans. If you choose such an \ninsurance policy\n, your savings will be less likely to be affected during an emergency. A policy purchaser\u2019s occupation usually determines the premium amount.\n\n\n4. Choice Of Plan\n\n\nA personal accident policy can be purchased individually or through a group plan. A single person has its coverage, but a whole family will be under the latter. Employers generally offer their employees group accident coverage. There are some limitations, however, to group accident insurance policies. Therefore, it is crucial to check the features before purchasing.\n\n\n5. No Medical Underwriting Is Required\n\n\nAs mentioned earlier, this insurance policy only covers severe injuries, which is why you don\u2019t need any medical record to prove your injury. You can obtain protection and several benefits by purchasing this policy, even if you are not eligible for a life insurance policy.\n\n\nBe sure to check the exclusions of any personal accident insurance coverage you purchase. In many cases, there is no coverage for pre-existing injuries or self-inflicted injuries. Thus, buyers should evaluate their needs before buying an accident insurance policy, consider the above factors, and read all policy documents thoroughly.\n\n\n\n\nTags:\nMedical\nPersonal Accident Insurance\nPersonal Accidents\nUnderwriting\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/14/things-every-woman-who-wants-to-travel-solo-should-know/", "title": "Things Every Woman Who Wants To Travel Solo Should Know", "body": "As solo traveling among women becomes more popular, there\u2019s never been a better time for you to unleash your sense of adventure and take on the world as a woman. Being one of the most empowering ways for a woman to see the world, \ntraveling solo\n is an opportunity you shouldn\u2019t pass up on if you can! But before you pack your bags and jet off into the sunset, here are a couple of things you should know first.\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\n1. You\u2019re Not Alone\n\n\nWhile you will be going on your trip independently, you can take solace that there are thousands of other women all over the country who have already done what you\u2019re planning to do or intend to do so very soon. Apart from the sense of camaraderie that this gives you, it also means that you have access to a wealth of information about planning the perfect solo trip! All you have to do is access the Internet, and you\u2019ll find a host of influencers and bloggers who\u2019ve likely covered everything that concerns you.\n\n\n2. You Can Play It Safe And Still Have Fun\n\n\nTravel media is rife with how every woman must prioritize safety and keep their adventure \u201cauthentic.\u201d We\u2019re here to tell you that you can do all that and still be a free spirit! All you need to do first is cover your basics extensively. Along these lines, some of the things that we suggest you do include finding answers to questions like;\n\n\n\n\nDo women \ntravel solo\n to the location I have in mind often?\n\n\nWhat\u2019s the best way to stay respectful of the culture of where I\u2019m headed?\n\n\nWhat\u2019s the best accommodation facility to get as a woman?\n\n\nWhat does the crime stats say about where I\u2019m headed?\n\n\nWhat areas are safe and unsafe for travelers in these regions?\n\n\n\n\nBy finding answers to questions like this, you\u2019ll be able to protect yourself without getting paranoid or spoiling your fun.\n\n\n3. Be Prepared\n\n\nYou\u2019re \ntraveling solo\n. That means you have to do some things differently. For instance, you\u2019ll probably have to pack light as the last thing you want is to drag multiple suitcases across several yards of cobblestone streets! You also need to make sure you get \u201cstreet-smart\u201d while you\u2019re on the move. Make sure you have multiple copies of all your essential documents and some cash stashed in various luggage areas. You\u2019re a little better prepared if things should go awry.\n\n\n4. Maintain Focus\n\n\nIf \ntravel solo\n has one downside, it\u2019s the fact that it can get incredibly lonely! Reduce the chances by making sure you set reasonable goals before you head out. Whether it\u2019s learning a new language or how to be more self-reliant, make sure that you have a good plan of action before heading out! With these little tips, you\u2019re sure to have a pleasant solo adventure you\u2019ll fondly remember for years to come!\n\n\nTags:\nTravel\nTravel Solo\nWomen Traveller\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/15/perlindungan-liabiliti-undang-undang-kepada-penumpang/", "title": "Perlindungan Liabiliti Undang-Undang Kepada Penumpang", "body": "Memandu di mana sahaja di dunia ini (dan khususnya di Malaysia) perlu disertakan dengan sikap tanggungjawab bersama. Dengan mengetahui tanggungjawab ini dan apa yang perlu dijangkakan daripada anda akan membantu anda untuk mempersiapkan diri untuk masa depan. Sebagai seorang pemandu yang aktif mahupun pasif di negara ini, anda pasti sudah tahu tentang betapa pentingnya perlindungan asas insurans kenderaan dan mengapa anda memerlukannya. Namun, ada beberapa aspek penting dalam \nperlindungan insurans auto\n yang mungkin anda kurang ketahui. Salah satu daripadanya adalah Liabiliti Undang-undang Kepada Penumpang atau singkatannya LLTP.\n\n\nApa Itu Liabiliti Undang-Undang Kepada Penumpang?\n\n\nDalam istilah asas, Liabiliti Undang-undang Kepada Penumpang atau LLTP boleh didefinisikan sebagai sejenis perlindungan khas yang boleh anda ambil sebagai tambahan kepada perlindungan biasa insurans auto anda. Tujuan untuk membuat penambahan spesifik ini adalah bagi melindungi anda dalam situasi liabiliti undang-undang yang diakibatkan oleh penumpang anda, sekiranya anda terlibat dalam kemalangan yang disebabkan kecuaian anda. Walaupun situasi ini kedengaran agak keterlaluan, tapi ia berlaku lebih kerap berbanding apa yang anda fikirkan. Jadi, adalah sangat sesuai untuk membuat penambahan untuk perkara ini.\n\n\nKenapa Anda Perlu Mendapatkan Liabiliti Undang-undang Kepada Penumpang (LLTP)?\n\n\nPada peringkat awal, anda mungkin merasakan tidak perlu untuk mengambil \nperlindungan tambahan\n Liabiliti Undang-undang Kepada Penumpang. Lagipun, jika anda pemandu yang mempunyai perlindungan insurans komprehensif, anda sudah pasti telah dilindungi bukan? Salah! Walaupun \npolisi komprehensif\n melindungi anda dalam pelbagai senario, ini tidak termasuk melindungi anda daripada tanggungjawab undang-undang yang ditanggung oleh penumpang anda sendiri. Polisi anda ada menyatakan tentang perkara ini secara ringkas di Bahagian B dokumen perlindungan \ninsurans auto\n anda. Maksudnya, seandainya anda mempunyai kawan atau kenalan dalam kenderaan anda, dan berlaku kemalangan kerana kecuaian anda. Jika mangsa \nmembuat tuntutan\n terhadap anda, dan anda tidak mempunyai \nperlindungan Liabiliti Undang-undang Kepada Penumpang\n, segala perbelanjaan tersebut perlu dikeluarkan daripada poket anda sendiri. Tahukah kenapa anda perlu mendapatkan \nperlindungan Liabiliti Undang-undang Kepada Penumpang\n? Tunggu, ada lagi!\n\n\nAdakah Polisi \u2013 Polisi Perlindungan Liabiliti Undang-undang Kepada Penumpang Wajib?\n\n\nJawapan kepada soalan ini bergantung pada ke mana anda merancang untuk memandu. Sementara negara seperti Singapura menuntut agar anda mengambil perlindungan tambahan itu sebelum dibenarkan memandu tanpa halangan, Malaysia masih membenarkan pemandu memandu di jalan raya dengan bebas tanpa Liabiliti Undang-undang Kepada Penumpang. Bagaimanapun, jika dilihat dari luar sudut perundangan sama ada anda perlu mengambil Liabiliti Undang-undang Kepada Penumpang atau LLTP sebagai pemandu atau tidak, ada beberapa perkara yang perlu dipertimbangkan. Sebagai contoh, walaupun anda tidak akan mendapat sebarang ganjaran wang atau pampasan untuk menumpangkan kenalan dan rakan sekerja dari satu tempat ke tempat yang lain, anda masih bertanggungjawab untuk memastikan mereka selamat bermula dari saat anda menjemput mereka sehingga anda menurunkan mereka. Jadi, jika sesuatu berlaku kepada mereka semasa mereka dalam jagaan anda, mereka berhak untuk membuat tuntutan terhadap anda di mahkamah, terutamanya jika mereka merasakan kemalangan itu berpunca daripada kecuaian anda. Dari perspektif ini, mendapatkan LLTP merupakan satu kepentingan.\n\n\nKunci Utama\n\n\nTidak ada siapa pun yang ingin berada dalam senario yang tidak menyenangkan seperti yang dinyatakan di atas. Walau apa pun yang terjadi, kita haruslah sentiasa bersedia untuk menghadapi sebarang kemungkinan. Secara umumnya, kos \nLLTP\n/Liabiliti Undang-undang Kepada Penumpang biasanya tidak melebihi 25% dari apa yang anda bayar sebagai premium untuk polisi asas Insurans Pihak Ketiga. Jadi, hubungi \nsyarikat insurans anda\n dan lihat polisi \nLLTP/Liabiliti Undang-undang Kepada Penumpang mereka hari ini!\n\n\nTags:\nInsurans Auto\nLLTP\nPelindungan Insurans\nPerlindungan Liabiliti Undang-Undang Kepada Penumpang\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/18/how-to-make-travel-insurance-claim/", "title": "How To Make Travel Insurance Claim?", "body": "Filing a \ntravel insurance claim\n means you\u2019ve had an unfortunate experience that you\u2019re going to have to pay out of pocket. A claim for \ntravel insurance\n means that something has gone wrong on your trip, maybe the trip you\u2019ve been waiting for a long time. These steps will simplify the \ntravel insurance claim\n process and increase your chances of receiving a prompt reimbursement.\n\n\nThe Proper Way To File a Travel Insurance Claim\n\n\nDocumentation is critical to ensuring that your travel insurance claim is processed efficiently. Most \nclaim\n processing delays are caused by a policyholder\u2019s failure to provide the necessary documents to prove their actual financial loss, allowing the insurer to assess the claim entirely. There is a chance of a \ntravel insurance policy\n if you purchase \ncomprehensive coverage\n consisting of a trip delay benefit. Let\u2019s say you get to the airport the morning of your trip and find out that your flight was delayed. According to your policy, ensure you know the delay time required to get reimbursement. The length of time can range between three and twelve hours, depending on the plan. At this point, any extra expenses you incur, such as food or hotel stays, can be covered by \ninsurance\n, says Page. The capped amount of that benefit may be reimbursed if you provide documentation for those covered expenses. If you lose money due to prepaid or non-refundable expenses, your \ntravel insurance\n will reimburse you for that amount.\n\n\nIn addition to the types of \ncoverage contained in a \ntravel insurance\n policy, you will need documentation for claims on medical expenses, lost baggage, and lost or damaged belongings. You must keep all receipts so that you can submit an appropriate claim. You may also need to file a loss report with the airline or local authority in cases such as lost luggage. You can expedite the claim process by \nsubmitting your claim\n documentation online.\n\n\nSupporting Documentation You Will Need:\n\n\n\n\nReceipts and itemized bills are required for all expenses (trip cancellation).\n\n\nTickets that have not been used, proof of payment (trip cancellation)\n\n\n\u201cPhysician\u2019s Statement\u201d or the explanation of diagnosis of the doctor\n\n\nTheft of luggage or \ncar accidents:\n police reports\n\n\nAirline proof of delayed baggage\n\n\n\n\nWhat To Do If You Need To Claim Travel Insurance\n\n\nYou should check the following things before you send off your claim for a \ntravel insurance policy\n:\n\n\n\n\nCheck if they claimed within the time limits.\n\n\nThe claim you\u2019re making is covered.\n\n\nThe amount of the \nexcess\n. Essentially, the lot is the amount taken off the claim by your insurance company. If you claim an amount less than this, it will not be worth making a claim.\n\n\nDetails. Check that the terms and conditions do not prevent you from claiming.\n\n\n\n\nCheck the above to see if there\u2019s anything you\u2019ve overlooked, and contact your insurer right away. Insurers can email this to you to expedite the process. You should carefully complete the form and retain a copy for your records. Include documents such as receipts and medical certificates in your claim. Keeping copies of the original documents is advisable if your claim is questioned or denied. Your insurer may ask if you have any other insurance plans to cover the claim. Any other \ninsurance coverage\n you may have, like home contents coverage, needs to be disclosed to them.\n\n\nTravel Insurance Claim Do\u2019s\n\n\nTo ensure that your travel insurance claims are successful, be sure to consider the following factors:\n\n\n\n\nFill out the claim form with complete and relevant information about the incident. It will help understand the scenario and speed up the processing of claims.\n\n\nEnsure you retain and collect all the original receipts of purchases you made abroad. These will be needed when filing a claim with your \ntravel insurance\n.\n\n\nGet discounts on hospitalizations or medical consultations because it will be required when claiming reimbursement.\n\n\nIf you are hospitalized or experience a medical emergency, inform your insurer.\n\n\nSend the insurer an email as soon as you receive payment emails from overseas hospitals or recovery agencies.\n\n\nPlease inform the insurer immediately if you need to be repatriated or evacuated for medical reasons. That way, they can assist promptly.\n\n\nYour insurer should always have an alternative contact number of a friend or family member in case of an emergency.\n\n\n\n\n\n\nTravel Insurance Claims Don\u2019ts\n\n\n\n\nIf the recovery agency emails you, do not ignore them\n\n\nAvoid direct negotiations with service providers.\n\n\nDo not do medical evacuation and repatriation without notifying the travel insurance company.\n\n\n\n\nTags:\nInsurance Claims\nLost Luggage\nTravel Insurance\nTravel Insurance Claim\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/06/pre-departure-and-post-departure-benefits-in-travel-insurance/", "title": "Pre-Departure And Post-Departure Benefits In Travel Insurance", "body": "If you plan on traveling, \ntravel insurance\n is an important consideration, and understanding the benefits of the different plans is critical. In general, \ntravel insurance benefits\n can be classified into two categories \u2014 pre-departure coverage protects you before you depart, and post-departure coverage provides coverage after you arrive. Together, these benefits can cover lost or damaged personal items, medical expenses, non-refundable prepaid expenses, and others. This article will discuss the differences.\n\n\nWhat Are The Benefits Of Pre-Departure Travel Insurance?\n\n\nThe most common \npre-departure\n benefit relates to trip cancellation insurance, which can reimburse you 100% for prepaid, non-refundable expenses, including airfare, hotel rooms, and guided tours. If you want to maximize the value of your \npre-departure\n \ntravel insurance\n plan, get your policy when you pay the first deposits toward your trip. Typical reasons for trip cancellations include death, serious illness or injury to you or your traveling companion; severe weather; jury service; unexpected unemployment; \nbusiness\n failure of the travel supplier, or acts of terrorism. In addition, there are several reasons for canceling an \ninsurance\n policy, so check your policy to find out what yours says.\n\n\nWhat Are The Benefits Of Post-Departure Travel Insurance?\n\n\nAs part of the post-departure benefits, travelers can \nclaim\n baggage delays and losses, travel delays, trip interruptions, and medical emergencies. In addition, a post-departure gift covers anything that may occur after you depart and during your trip. A comprehensive \ntravel insurance policy\n typically includes the following post-departure benefits, which are paid up to your policy limits:\n\n\nTrip Delay\n\n\nThe trip delay coverage can compensate you for the money spent on travel expenses if you are delayed reaching your destination for a specified reason. For instance, it could be a severe weather event or an airline maintenance issue. During the layover, you can claim if you need a hotel room, food, and a change of clothes due to your flight being delayed. In addition to reimbursement for prepaid, non-refundable expenses, travel delay insurance can also cover activities you will not be able to attend.\n\n\nTrip Interruption Insurance\n\n\nYou can claim trip interruption benefits if you miss a portion of your trip because of an insured event. For instance, if you do not use your prepaid or non-refundable hotel nights or excursion bookings during your trip. In addition, additional charges such as booking a new flight, booking extra hotel nights, and airport taxi fares may be reimbursed. Furthermore, trip interruption applies to any trip shortening caused by a \ncovered COVID-related\n medical condition. In this sense, trip interruption insurance is a post-departure benefit since it kicks in after taking off on your trip. There is a list of reasons for coverage in every policy, but those reasons are usually unforeseen or extraordinary. For example, it might be an illness, an injury, the death of the traveler or a companion, severe weather, terrorist action, or losing your job.\n\n\nEmergency Medical Evacuation\n\n\nComprehensive travel insurance\n should cover the cost of medical evacuation to the nearest medical facility that can treat your illness or injury. However, it may be necessary to return to Malaysia if your condition is severe enough. Travel insurance companies can also arrange transportation through their emergency assistance teams.\n\n\nBaggage Loss\n\n\nThe baggage loss coverage in your travel insurance policy can reimburse you if your luggage is lost, stolen, or damaged in transit. Additionally, it can cover your personal belongings while traveling if they are lost or stolen. Ensure you know the maximum coverage limits on each item and the exclusions such as cash or expensive jewelry in your policy.\n\n\n\n\nTags:\nEmergency Medical Evacuation\nPost-Departure Travel Insurance\nPre-Departure Travel Insurance\nTrip Delay\nTrip Interruption Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/09/repatriation-of-mortal-remains-in-insurance/", "title": "Repatriation Of Mortal Remains In Insurance", "body": "It is essential to \npurchasing travel insurance\n covering mortal remains\u2019 return when traveling outside Malaysia. If a death occurs while traveling, the costs and logistics of preparing and returning the remains home may become an additional burden for relatives or friends. It is often necessary to prepare for the worst possible outcome when planning a trip, even though no one likes to imagine the worst-case scenario. Even if the individual involved is killed, medical bills and other expenses should be the last thing on the minds of family members or friends.\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nWhat Is Repatriation Of Remains Insurance Policy\n\n\nA \nrepatriation\n benefit provides coverage for transporting a covered individual\u2019s body back to their place of primary residence if they die from a covered illness or injury. The following benefits are also typically included in \nrepatriation\n:\n\n\n\n\nCoordinating post-mortem examinations with local authorities\n\n\nTransport of the body to medical facilities, the coroner, and the airport\n\n\nCoffins or appropriate containers for the transport of remains\n\n\nCoordinate services, authorizations, and approvals for transportation with government agents\n\n\nExpenses associated with air and ground shipping\n\n\n\n\nHow Does The Repatriation Of Remains Insurance Work?\n\n\nRepatriation of remains benefit\n would be available if the death occurred abroad outside the insured visitor\u2019s home country. In the unfortunate event of a visitor\u2019s death, visitor insurance with repatriation benefits is beneficial since it alleviates the financial burden on the visitor\u2019s family. However, the language barrier between the two countries makes it challenging to understand how to recover the visitor\u2019s body. Moreover, local laws and regulations, health standards, and transportation arrangements can all become overwhelming for a family that is already grieving. However, the repatriation policy eases all of these concerns. There is no need for the deceased family to worry about the transportation back home, the cremation costs (at the place of death), and other necessary formalities. The \ninsurance company\n handles this. Their responsibilities include:\n\n\n\n\nAddressing the health regulations to prepare the body or the ashes for transit.\n\n\nArranging for appropriate containers (embalming).\n\n\nManaging customs requirements or government authorizations.\n\n\n\n\nIn addition, the insurance company will cover the costs associated with a funeral or returning the body remains. The visitor insurance does not cover burial costs (at an additional charge). Ashes or remains of the deceased insured are usually transported to an airport or moved by ground transportation to the terminal closest to their primary residence in their home country.\n\n\nLocal Burial Or Cremation\n\n\nInstead of repatriation of remains, the insurance company will pay for the burial or cremation of the insured person in the country of death, up to the specified policy maximum. The local tomb or cremation benefit cannot be used in conjunction with the Emergency Evacuation or \nRepatriation of Remains benefit\n and excludes coverage for death in a member\u2019s home country. We at \n Fincrew Insurance \n understand that repatriating remains is a sensitive topic, yet we believe it is an essential \nbenefit of travel insurance\n. For more information about this coverage, please feel free to contact us.\n\n\nTags:\nEmbalming\nEmergency Evacuation\nRepatriation\nRepatriation Benefit\nRepatriation Of Remains benefit\nVisitor Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/22/can-unmarried-couples-share-car-insurance/", "title": "Can Unmarried Couples Share Car Insurance?", "body": "\n\nIf you are in a relationship and you started living today, you might be wondering if you can share the same car \ninsurance policy\n, even though you are not married yet.\n\n\n\n\nWill an insurer extend an unmarried couple\u2019s \ncar insurance\n?\n\n\nHow does the process work?\n\n\nWhat are your options?\n\n\nWhat stipulations does every insurer place for this to happen?\n\n\n\n\nOne standard requirement every insurer will make of you when offering you auto coverage is that you tender a list of every individual capable of driving living in your place of residence, regardless of marital status. Insurers do this because they operate on the assumption that people who live in the same place you do are more than likely to drive your car at one point in time or the other. As a matter of fact, should your \ncar insurance\n provider discover that you did not give them an accurate list of all the occupants in your home, you could face an immediate spike in your insurance rates, to cancellation of your policy, at worst. When it comes to getting mutual \ninsurance\n for an unmarried couple, only one option is available.\n\n\nThe first is only applicable if you are operating more than one car. For instance, all you have to do is list each other on your respective policies for each vehicle. Option two is for the automobile owner to list their partner as an \nadditional driver\n on their policy. Needless to say that going for either of these options has various implications, especially with regards to whether you are qualified for a specific discount option. Your choice also directly impacts just how much you will be expected to pay as a premium.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nUltimately, before choosing what type of joint \ncar \ninsurance policy\n you will go with, it is crucial that you go for one that facilitates more straightforward claim resolution, offers you as many discounts as possible, and overall helps you make the best use of every Ringgit.\n\n\nTags:\nInsurance Policy\nInsurance Premiums\nInsurance Rates\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/06/24/apakah-jenis-perbezaan-dalam-perlindungan-insurans-auto/", "title": "Apakah Jenis Perbezaan Dalam Perlindungan Insurans Auto?", "body": "\n\nInsurans kenderaan merupakan sesuatu yang sangat penting bagi pemandu di negara ini. Lupakan seketika bahawa ia merupakan kewajipan menurut undang-undang bagi membolehkan anda memandu kenderaan anda itu di atas jalan raya, tapi pertimbangkan implikasi kewangannya. Tidak ada siapa pun yang berharap ia akan berlaku, tapi bayangkan sekiranya anda terlibat dalam kemalangan. Tanpa \ninsurans auto\n, anda perlu menanggung segala kos yang besar itu dari poket anda sendiri! Memiliki insurans merupakan satu bentuk pelindungan kewangan yang dapat membantu sekiranya anda terlibat dalam masalah. Benar, insurans adalah penting. Tapi, jenis insurans yang anda ambil juga sangat penting. Apakah \njenis-jenis insurans\n yang ada untuk anda hari ini? Kenapa penting untuk anda \nmemilih insurans\n yang tepat? Ketahui tentangnya dan banyak lagi sekarang!\n\n\nHelo! Saya Yuna, duta jenama Fincrew dan dalam episod Siri Insurans 360 kali ini, anda akan menemui pilihan \ninsurans auto\n yang tersedia untuk anda serta keperluan setiap satu daripadanya. sebelum kita teruskan, cepat \u2018Subscribe\u2019 ke saluran kami dan aktifkan notifikasi. Terdapat beberapa pilihan yang boleh dipilih dari insurans auto yang ada pada hari ini. Perlu diingatkan, skop \npelindungan insurans\n berubah dari polisi ke polisi. Dari pelindungan yang paling sikit, inilah \npolisi insurans auto\n yang boleh anda temui!\n\n\nPerlindungan Pihak Ketiga\n\n\nSetiap pemilik kenderaan tahu bahawa mereka perlu memiliki insurans sebelum mereka boleh memandu secara bebas. Mereka yang ingin membelanjakan jumlah paling minimum sekadar memenuhi syarat tersebut boleh memilih polisi pelindungan Pihak Ketiga. Seperti namanya, apabila anda memilih pelindungan insurans ini, anda hanya akan diinsuranskan untuk kos pembaikan untuk kenderaan atau harta benda individu lain. Sekadar itu sahaja pelindungan untuk polisi ini. Jika anda mahukan pelindungan yang lebih lagi, anda perlu bersedia untuk mengeluarkan wang yang lebih banyak. Berikut merupakan pilihan lain yang boleh anda ambil:\n\n\nPerlindungan Pihak Ketiga, Kebakaran Dan Kecurian\n\n\nIni boleh dikatakan sebagai pilihan pertengahan yang mana ia sering diambil berat dalam \npolisi insurans auto\n. Ia lebih mahal daripada polisi pelindungan sebelum ini, dengan menawarkan skop pelindungan yang lebih luas. Di bawah pelindungan polisi ini, anda bukan sahaja dilindungi dari segi kewangan sekiranya anda merosakkan kenderaan pihak lain, tapi anda turut dilindungi jika kereta anda mengalami kerosakan akibat kebakaran. Sekiranya ada bahagian kereta anda dicuri, atau keseluruhan kereta anda dicuri, insurans ini akan melindungi kerugian anda!\n\n\nPerlindungan Komprehensif\n\n\nIni boleh dikatakan sebagai pelindungan insurans paling mahal yang boleh anda ambil. Namun, ia menawarkan semua ciri pelindungan dalam kedua-dua polisi tadi dengan tambahan pelindungan lain yang lebih banyak. Sebagai contoh, dengan \ninsurans kenderaan\n komprehensif, jika anda terlibat dalam kemalangan, polisi ini akan merangkumi kos membaiki kereta anda disamping menanggung kos membaiki kenderaan atau harta benda individu lain. Paling menarik, terdapat beberapa pelindungan tambahan yang tak mungkin anda dapat manfaatkan sekiranya anda tidak menggunakan pelan insurans Komprehensif. Akhir sekali, polisi mana pun yang anda pilih, ia perlu dipilih berdasarkan keperluan anda.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\n\u00a0\n\n\nTags:\nInsurans Kenderaan\nInsurans Kenderaan Komprehensif\nPelindungan Pihak Ketiga\nPerlindungan Komprehensif\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/07/01/is-motorcycle-insurance-mandatory/", "title": "Is Motorcycle Insurance Mandatory?", "body": "Do you own a motorcycle and love riding it? Whether you are heading to work or the nearest market for some fruit, motorbikes are a convenient way of finding your way through traffic. You can avoid traffic jams and get to your destination faster. But what about \nmotorcycle insurance\n? Is it mandatory, and are there any consequences of not having it? Keep reading to find out why having a motorcycle policy is critical!\n\n\nJoin Fincrew Official Telegram Channel\n\n\nDoes the Law Require Me to Have Motorcycle Insurance?\n\n\nIf you take a look at the \nRoad Transport Act\n, you will find that Section 90 says that \u201cmotor vehicle users are to be insured against third-party risks.\u201d According to the same section, if you don\u2019t have road tax and insurance, you are subject to a jail punishment of up to three months. On top of that, you could pay a fine of up to RM1,000! A valid \ninsurance policy\n is required to get a road tax. If you don\u2019t have a \nroad tax\n, the fines can increase up to RM 3,000. Not wanting to pay a fine or spend time in jail might be the main reason why some people decide on \nmotorcycle insurance\n. However, if you look at some statistics, you will find that your safety and peace of mind are crucial reasons you need \nmotorcycle insurance\n.\n\n\nMotorcycle Riders Frequently Suffer the Most Damage in Accidents\n\n\nIf an accident between a motorcycle and a car occurs, the odds are that the motorbike rider will suffer more significant damage. That is because the \ncar driver\n is protected by the airbags, while the rider might end up falling off the motorcycle and hitting the road. Everyone should be responsible while on the roads in their vehicles. But what if you do everything right and still suffer an injury? It might be muscle damage, skin burn, or a broken bone, and there might be significant vehicle damage, too. That is where a \nmotorcycle insurance policy\n comes into play. Its task is to offer financial protection for any damage caused to your vehicle from a \nthird party\n. You don\u2019t have to pay damages for the motor to ensure that you don\u2019t get into financial difficulties.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nTheft Protection\n\n\nThe statistics, when it comes to motorcycle \nthefts\n, are not encouraging. For years, there have been more thefts of motorbikes than cars. For example, a total of 6,502 bikes were stolen in 2015, which is a large number. A \nmotorcycle insurance policy\n protects in case of theft. If you do everything that you can to protect your motorbike and it still gets stolen, you can expect financial coverage.\n\n\nThe Time for a Motorcycle Insurance Is Now\n\n\nIf you are a motorcycle owner, it is time to get that insurance policy now. Why would you risk paying a fine if the police catch you driving without the required documents? But even if you put that aside, motorcycle insurance is a safety mechanism. You will feel peace of mind because you are financially protected if your motorbike gets stolen. Additionally, if a third-party \ncauses an accident\n you are involved in, you won\u2019t need to pay for the damages. Make sure to find an \ninsurance\n policy that meets your needs, and you can continue riding your motorcycle without worrying about fines and financial difficulties!\n\n\nTags:\nAccidents\nFire and Theft Cover\nMotorcycle Insurance\nRoad Transport Act\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/08/10/driving-under-the-influence-dui/", "title": "Driving Under The Influence (DUI)", "body": "The dangers and outgrowths of \ndriving under the influence\n (DUI) are well-known. Even so, there are some people who still continue to drink and drive. You should know that your driving history plays a crucial role in determining what you pay for \ncar insurance premiums\n. And if you have a past conviction for \nDUI\n or driving while intoxicated (DWI), you will be required to pay higher premiums because you pose a greater risk. We\u2019ll explore how a \nDUI\n conviction affects \ncar insurance\n premiums\n.\n\n\nPremium Will Rise\n\n\nAt the point when your insurance company discovers you have a DUI, various things can occur. Your \ninsurance company can drop your policy\n, but if they choose to keep your business, your premiums will go up. Try not to assume that since you don\u2019t see an instant increment that nothing will occur \u2013 the premium rise will regularly happen at the first renewal after the conviction is conclusive. This implies if your \npolicy renews\n December 1st and your last conviction is December 2nd, you likely won\u2019t see a rate increment for probably another six months.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nFor How Long Does A DUI Affect Insurance?\n\n\nInsurance company rules dictate to what extent your rates will be influenced by a DUI conviction. As with most slight or significant convictions, a DUI will raise your vehicle insurance rates for three to five years. An insurance company may make it, so you are qualified to get insurance with them after the conviction is three years of age, in any case, you will still be paying an extra charge for an additional two years. Insurance companies each make up their guidelines for how they handle DUI convictions. The standard is that DUI will affect your vehicle insurance rate for five years or more.\n\n\nHow Much Will My Premiums Increase?\n\n\nThis question might be a little bit tricky to reply to. It will have a significant effect depending upon your prior driving history. If you are moving out of a preferred driver status into this new high-risk driver status, you will see a tremendous change. You could be paying as high as doubling your present cost and perhaps even higher in some instances. Assuming you are already a high-risk driver, you may not see a very remarkable change in cost. It\u2019s just that your high-risk status will be beginning once again, and you will be paying the high rate for much longer.\n\n\nWhat to Do If My Insurance Goes Up After DUI Arrest?\n\n\nAuto insurance\n is a serious business. Numerous insurance firms are vying for your \nbusiness\n, regardless of whether you have a DUI conviction on your driving record. If your insurance rates go up after your DUI capture, you might want to search for other cheaper \ninsurance premiums\n. You should also note that several factors could also impact your rate after \ndriving under the influence\n. Factors such as age, driving history, make and model of your car, time, where you live, etc. could impact your \ncar insurance\n rate after a DUI. Knowing these factors can help you find the right \ninsurance\n and limit your cost.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nThough comparing rates can get you less expensive insurance, however, in the end, driving responsibly and mindfully will be the best way to get your rates back to normal. The best thing you can do is to be straightforward with your insurance company and don\u2019t get another DUI.\n\n\nTags:\nDriving Under The Influence (DUI)\nDriving While Intoxicated (DWI)\nInsurance Premiums\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/07/11/factors-to-consider-before-early-loan-repayment/", "title": "Factors To Consider Before Early Loan Repayment", "body": "Jayss got some good news today!\n\n\nHer hard work finally paid off, and she just got a pay raise! But this leaves her in a bit of a dilemma; she doesn\u2019t want to trust her money to fixed deposits as the reduced interest rates mean she won\u2019t be making anything worthwhile in return. Similarly, she isn\u2019t ready to enter the investment world just yet. One line of action that\u2019s attracted her attention, though, is repaying her \nloans\n early.\n\n\nShould she do this?\n\n\nShort answer, yes. The person\u2019s benefit from such a move will largely depend on the type of loan she\u2019s trying to pay off. It is because different loans come with other terms and are therefore affected differently by \nearly repayments\n. Here\u2019s what we mean.\n\n\nWhat Happens When You Make Early Repayments For Hire Purchase\n\n\nWhen you make \nearly repayments\n for this type of \nloan\n, you get to clear your loans earlier and get a rebate on your interest from the \nfinancial\n institution you took out the \nloan\n with. It is because these loans\u2019 calculations use a flat interest rate. By extension, the amount you should pay as interest is established from the beginning and doesn\u2019t change the farther you get with your repayments. The higher \nmonthly payments\n you make go into clearing the principal and the interest simultaneously.\n\n\nWhat Happens When You Make Early Repayments For Housing Loans\n\n\nIn this instance, you\u2019ll not only become debt-free earlier, but the higher monthly payments you make will ensure you save on what you\u2019d have paid as interest. The situation is different here because housing loans use the reducing balance method. As a result, the more you reduce the principal amount, the lesser you have to pay on interest.\n\n\nWhat To Remember When Settling Loans Early\n\n\nWhile the idea of paying off as much of your loan as possible when a new income stream appears is enticing, you should move with caution here. The primary reason is that some loans usually come with a penalty or fee that you must settle if you intend to clear your entire loan early. So, if you\u2019re like Jayss and you\u2019re intent on clearing your debt, you first need to speak with your bank or financial institution to ensure that you completely understand the specifics of your loan terms. Only move forward with your plans if you\u2019re 100% certain that clearing your loan is the more financially prudent option.\n\n\nTakeaway\n\n\nPaying off your entire loan when you can is great. It enhances your cash flow and gives you more financial freedom. However, if you can\u2019t afford to do that just yet, there are other great ways to manage your loan and enhance your income stream.\n\n\nTags:\nHire Purchase\nLoan Repayment\nLoan Term\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/04/26/used-car-versus-new-car/", "title": "Used Car Versus New Car", "body": "That shiny new car has caught your attention, and you are considering going for it. They are always tempting if you are looking to replace your old car or add it to your garage. But do you need a new car? Of course, it has all the attractive features, and financing is often more straightforward, but what other options do you have?\n\n\nUsed Cars\n\n\nNo matter how you look at it, there are many reasons why buying a \nused car\n is a smart decision for you to take. Purchasing a \nused car\n can save you lots of cash and give a similar satisfaction and fulfillment as a new car. In this post, we would highlight some reasons why buying a used car is a smart choice for you to make.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nNew Cars Depreciate Immediately\n\n\nIn case you\u2019re attempting to decide whether to purchase new or used cars, you should know that the second you take your new car off the lot, it goes down in value. Customers whine about how rapidly a new car devalues\u2014when they drive it off the lot. The estimation of a new vehicle can drop 11% on the drive home. This implies that your $20,000 car is worth just $17,800 once it leaves the lot. The vehicle proceeds with depreciation as weeks, months, and years pass. With used cars, the heft of the depreciation has already occurred. A few vehicles do hold their value over others, and new cars do last longer today than they used to. Be that as it may, new cars can lose as much as 30% of their value in one year. Additionally, consider that you\u2019ve, in all likelihood, borrowed money to \npurchase that new car\n, and you\u2019re now losing as much as 30% of its real worth making installments on it, including interest. Regardless of how you see it, purchasing a new car can\u2019t qualify as a wise venture when it loses such a lot of cash so rapidly.\n\n\nCertified And Meticulously Inspected\n\n\nCertified Pre-Owned cars guarantee used car purchasers they\u2019re getting a quality, wholly examined car that\u2019s also a bargain. Certified Pre-Owned cars have been reviewed, renovated, and certified by the producer or other certifying authority, guaranteeing the vehicle is of high quality. They regularly have a service agreement, special financing and other benefits. New cars basically hold the affirmation that they are new.\n\n\nCut Your Insurance Costs\n\n\nAt the point when you\u2019re deciding to choose to purchase a new or used car, \ncar insurance\n cost is another factor to consider. Usually the more worth a car has, the more the \ninsurance firm\n needs to pay if the vehicle is damaged. A used car will cost less to replace than a brand new car. Depreciation won\u2019t mean a lot to an \ninsurance firm\n if the new vehicle is destroyed around the same time it was purchased. Normally, the \ninsurance firm will pass this potential expense\n onto you, the driver. In any case, a model that has just depreciated and is three years of age won\u2019t cost as much to replace, and this way, it won\u2019t cost as much for you to insure.\n\n\nOther reasons include:\n\n\n\n\nReduced registration fees\n\n\nGetting more value for your money\n\n\nDetailed data on car history are available\n\n\nLower customization cost\n\n\n\n\n\u00a0\n\n\nTags:\nUsed Car\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/09/does-liability-insurance-cover-theft/", "title": "Does Liability Insurance Cover Theft?", "body": "Leaving your car safely in the parking lot as you run out to the grocery store, you return to find it burglarized, and your belongings are nowhere around. The first question you ask yourself after having been the victim of theft is, \u201cDoes my auto insurance cover it?\u201d. The answer to whether or not auto insurance covers theft depends on the situation and the type of insurance you have. A \ncomprehensive policy\n will typically cover thefts, as well as damage caused by break-ins. Since \nliability insurance\n usually covers bodily injury and property damage from accidents, \ntheft is unlikely to be covered\n. In case of car theft, you\u2019ll want to know what your insurance will cover. Let\u2019s examine a few different scenarios.\n\n\n\n\nCar Theft And Insurance Scenarios\n\n\nScenario 1: Car Damages Are Due To a Break-In\n\n\nAs long as your coverage is comprehensive, you\u2019re in good shape. In general, comprehensive \ninsurance\n covers your vehicle\u2019s repair costs, including:\n\n\n\n\nBroken door locks;\n\n\nSmashed windows;\n\n\nBroken ignition system\n\n\n\n\nScenario 2: Stolen Car\n\n\nIt also depends on the type of \nauto insurance\n you have. The policy will cover the value of your vehicle if you have \ncomprehensive coverage\n or third-party \nfire and theft coverage\n.\n\n\nScenario 3: There Were Stolen Items In Your Car\n\n\nIs \ncar insurance\n going to cover stolen goods? Sadly, it does not. The \ncomprehensive coverage\n only extends to the parts and components that are permanently attached to the car. The insurance does not cover any personal belongings you may leave inside, like an iPod or a wallet. However, homeowners\u2019 or renters\u2019 insurance policies are likely to cover these items. For a stolen vehicle, \nfile two separate insurance claims\n, one with your auto policy and the other with your homeowners\u2019 insurance.\n\n\nWhat To Do With Stolen Vehicle Or Truck\n\n\nYou should contact the police immediately if someone stole your car or truck. By all means, the police will be interested in basic information like the make, model, plate number, and possibly even the VIN. You can then contact your insurer to find out if you are covered. Contact your homeowners or renters insurance carrier if you believe personal items were in the car when \nstolen\n. Do these things as soon as possible. Your claim process will be faster, and the chances of finding your car will increase. If you successfully \nfile a claim\n, many insurance companies will use your vehicle\u2019s actual cash value (ACV) in determining your payout. You will also have to consider the terms of your policy when calculating the total. Insurance company adjusters determine the value of your vehicle based on its age, model, make, and regular wear and tear. You can also consider upgrades such as premium seats or wheels you have made, but not additions like a premium stereo or music player you can remove. Usually, if the adjuster comes up with a value for your car, you\u2019ll receive a check for that amount minus any \ndeductible\n you have on your policy.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nIn a Nutshell\n\n\nRemember that not all policies offer coverage if your vehicle is broken into or stolen when choosing car insurance. Collision and \nliability insurance\n aren\u2019t enough to protect you. Comprehensive and third-party fire and theft insurance cover car theft, but it doesn\u2019t cover your personal belongings inside the vehicle. For this, you must contact the company that issued your homeowners\u2019 or renters\u2019 policy to expedite the process, file a police report and \ninsurance claim\n as soon as possible. It will allow you to replace your vehicle as quickly as possible.\n\n\nTags:\nActual Cash Value (ACV)\nCollision Insurance\nComprehensive Coverage\nLiability Car Insurance\nLiability Cover\nTheft Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/03/01/travel-insurance-coverage/", "title": "Travel Insurance Coverage", "body": "It doesn\u2019t matter if you will go on a vacation of a lifetime or make a cross-country trip for your cousin\u2019s wedding; you may wonder when or if it\u2019s worthwhile to \nbuy travel insurance\n. People are familiar with the car, home, and health insurance, but not everyone knows how \ntravel insurance\n works. Having a good understanding of what \ntravel insurance\n covers will allow you to make the best decision about whether to purchase it. This guide explains what travel insurance is, what it covers, how it works, etc.\n\n\nWhat Is Travel Insurance?\n\n\nA \ntravel insurance policy\n protects you from monetary losses and risks that may occur while traveling. Among these risks are inconveniences such as missed airline connections and delayed luggage, and more severe issues, including \nillness\n or injury.\n\n\nWhat Does Travel Insurance Cover?\n\n\nA variety of possible damages and losses can be covered by travel insurance, depending on the type of coverage you choose:\n\n\nInjury Or Sickness\n\n\nYour health \ninsurance\n typically does not cover medical expenses abroad. Travel insurance can help protect you. Unlike many other health plans, most health \ninsurance providers\n do not cover foreign countries in total. You can supplement healthcare costs if you become ill or injured while traveling with travel insurance in addition to your regular health insurance.\n\n\nLost Luggage\n\n\nA \ntravel insurance policy\n can help cover the costs of lost or stolen luggage. It can be beneficial when an airline loses your bags since it can be challenging to pay.\n\n\nLast-minute Cancellations\n\n\nTravel insurance can help cover the costs of canceled trips. Typically, resorts and cruise lines won\u2019t refund your total amount in the event of a cancellation. Most resorts and \ncruise lines\n will charge you a cancellation fee if you cancel two weeks or more before your trip. Many cruise lines will only give you a 25% refund or provide you with partial credit for another cruise.\n\n\nCoverage Beyond Your Credit Card\n\n\nCertain credit cards offer limited coverage\n, with restrictions for cancellations and interruptions (if the card covers such events at all). Travel insurance, however, can cover the most expensive risks associated with travel: medical expenses or emergency evacuations.\n\n\nCompare and apply for the best credit cards\n\n\nHow Does Travel Insurance Work?\n\n\nTravel insurance will typically reimburse you for your covered financial losses after submitting and approving a claim. To \nfile a claim\n, you must provide proof of your failure to your insurer so that they can verify what happened and reimburse you for covered losses. If, for instance, you purchased the OneTrip Prime Plan, which includes cancellation benefits, for your upcoming trip to Barbados, then you would be covered. During the two days before your departure, you suffer from a high fever and chest pain. The doctor diagnoses you with bacterial pneumonia, so you must cancel your trip. Upon contacting the cruise line, they inform you that it is too late to receive a refund. If you don\u2019t have travel insurance, you\u2019ll lose the money you spent on your vacation. In a severe and disabling illness, you can reimburse your non-refundable and prepaid trips. When you feel better, gather all necessary documents \u2013 such as your airfare and cruise line receipts \u2013 and \nfile an insurance claim\n.\n\n\n\n\n\n\nTags:\nCancellation Benefits\nHealth Insurance\nTravel Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/02/14/apa-yang-akan-berlaku-bila-insurans-kenderaan-anda-dibatalkan/", "title": "Apa Yang Akan Berlaku Bila Insurans Kenderaan Anda Dibatalkan?", "body": "\n\nAnda sedang memeriksa email anda seperti yang anda lakukan setiap hari, dan tiba-tiba! Syarikat insurans anda membuat kejutan dengan mengatakan bahawa mereka tidak akan memberikan pelindungan kepada anda lagi! Ke mana anda harus pergi selepas ini? Apa yang boleh anda harapkan bila sekarang kereta anda tidak lagi mempunyai pelindungan \ninsurans kenderaan\n? Apa yang perlu anda lakukan seterusnya?\n\n\nHai! Saya (nama), duta jenama Fincrew dan hari ini, saya akan membantu anda menguruskan \ninsurans kenderaan\n anda yang dibatalkan. Apabila ini berlaku, banyak perkara yang perlu anda uruskan secepat mungkin. Saya akan membimbing anda untuk melalui perjalanan yang agak sukar. Sekiranya anda memerlukan bantuan untuk menguruskan \ninsurans kenderaan\n anda, maka anda tidak boleh terlepas walau satu video pun dari siri Video Insurans360 kami! Kami akan menghuraikan setiap aspek insurans kenderaan dan akan memberitahu semua yang anda perlukan bagi menikmati polisi anda! Klik butang \u2018Subscribe\u2019 sekarang dan aktifkan notifikasi jadi anda dapat menonton video kami segera!\n\n\nSekarang kami sudah meluahkan apa yang kami mahukan, mari kita ke isi utama hari ini. Jika anda tertanya-tanya bolehkah \nsyarikat insurans\n membatalkan polisi anda? Jawapannya, YA! Mereka boleh. Tapi, mereka tidak boleh melakukannya tanpa alasan yang kukuh dan perlu memaklumkan kepada anda terlebih dahulu. Anda tidak boleh memandu kereta anda tanpa insurans yang sah, ini bermakna setelah insurans anda dibatalkan, anda bakal menghadapi kesukaran untuk memandu ke mana-mana! Lebih teruk lagi, semakin lama anda membiarkan kenderaan anda tanpa insurans kenderaan anda, anda boleh menjangkakan caj yang lebih tinggi bakal dikenakan oleh \nsyarikat insurans\n lain apabila anda cuba mendapatkan pakej insurans lain.\n\n\nOleh sebab ini, bertindak pantas adalah penting! Ingat bahawa membatalkan insurans kenderaan anda tidak sama dengan mengeluarkan notis pembaharuan. Untuk kes terakhir, pelindungan anda tetap aktif sehingga tarikh yang sepatutnya berakhir. Setelah itu anda tidak akan diberi peluang untuk memperbaharui pakej insurans dengan syarikat yang sama. Biasanya \nsyarikat insurans\n hanya akan membatalkan polisi jika:\n\n\n\n\nAnda belum \nmembayar premium\n anda atau terlewat bayar\n\n\nLesen memandu anda dibatalkan atau digantung kerana satu sebab atau pun\n\n\nMereka menyedari bahawa anda tidak melengkapkan maklumat permohonan\n\n\n\n\nDalam situasi ini, perkara pertama yang perlu anda lakukan adalah melihat kembali notis pemberitahuan yang dihantar kepada anda untuk mengetahui alasan mengapa polisi anda ditamatkan. Sekiranya tidak dinyatakan, anda perlu segera menghubungi syarikat insurans anda bagi mendapatkan maklumat tersebut. Setelah mengenal pasti masalah tersebut, anda boleh cuba berbincang dengan syarikat insurans anda itu.\n\n\nDalam sesetengah kes, ia akan berakhir dengan baik dan pihak insurans akan membatalkan notis pembatalan tersebut. Walau bagaimanapun, sekiranya syarikat insurans anda itu tidak berganjak dengan keputusan mereka, anda perlu mula mencari pelindungan daripada syarikat insurans lain! Walaupun pelindungan anda tidak dikira tamat sejak anda tarikh anda menerima notis, pembatalan, anda sudah tidak mempunyai banyak masa lagi! Lebih-lebih lagi jika insurans anda dibatalkan disebabkan alasan yang dinyatakan tadi.\n\n\nAnda mungkin berasa sukar untuk mendapatkan syarikat insurans yang baru kerana syarikat insurans lain akan melihat notis pembatalan anda sebagai tanda amaran dan menganggap anda pelanggan berisiko tinggi. Bila anda menjumpai syarikat insurans yang baru, premium anda juga akan menjadi lebih tinggi daripada yang sebelumnya. Oleh itu anda dinasihatkan jika boleh, tidak membiarkan polisi anda dibatalkan. Tetapi jika berlaku juga perkara yang tidak diingini ini, sekurang-kurangnya anda tidak rugi semuanya.\n\n\nLihat pautan di bawah untuk mencari syarikat insurans yang boleh dipercayai. Sekiranya anda mendapati video ini bermanfaat, tinggalkan \u2018Like\u2019 serta \u2018Subscribe\u2019 dan aktifkan notifikasi supaya anda tidak terlepas episod yang akan datang dari siri Video Insurans360 ini! Bye buat masa ini!\n\n\nTags:\nInsurans Kenderaan\nInsurans Kereta\nSyarikat Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/09/22/insurance-claim-for-stolen-car/", "title": "Insurance Claim For Stolen Car", "body": "It\u2019s a nightmare situation- you park your car safely in the parking lot \u2013 you run into the grocery store \u2013 you get to the parking lot, and you realize there is a space where your vehicle should be. Gradually it dawned on you that it has been \nstolen\n. Don\u2019t panic, be calm, \nstolen\n vehicles are usually covered by auto insurance companies, mainly if it includes Third Party, Fire, and Theft or Comprehensive coverage. This article tells you what you need to know when your vehicle is \nstolen\n.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nMy Car Was Stolen \u2013 Report To The Police And Your Insurer?\n\n\nFirst, you must report your car as stolen to the police then your insurance company. Ensure you have all your vehicle details nearby, such as the registration number, make, model, color, and car keys. The car keys? The car keys are essential because if you \nclaim insurance\n for your stolen car without the car keys, you may not get your \ninsurance claim\n. This is because the \ninsurance policy\n covers theft but not negligence. If you leave your keys in the car and it was stolen, the \ntheft\n is viewed as your carelessness. Delivering the keys proves there isn\u2019t any carelessness on your part. More so, it serves as proof of no foul play or the intention to swindle the \ninsurance company\n.\n\n\nMaking A Claim If Your Car Is Stolen\n\n\nIf your car is stolen and you\u2019re paying your premium by installments, you may need to continue paying until your policy is expected for renewal. Your insurance company may hold back to check whether the vehicle is found. If, after settling, you and the car were found, then they will keep the vehicle. But if the vehicle isn\u2019t found, your insurance company should pay you. It\u2019s reasonably estimated worth, which is the amount that you could have sold it for. You might probably not be satisfied with how much your insurance company is offering you, then you need to prove the car was worth more. Try checking online to evaluate the car or using car price guides. An insurance pay-out may end your policy; however, this relies upon the policy. If you paid everything forthright, you possibly won\u2019t get the remainder of your premium refunded.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nDelays In Settling Claims\n\n\nSometimes, your claims might take a while to resolve. However, the Malaysian law states that your insurance provider must make a sensible proposal of settlement within three months of filing a \ninsurance claim\n. There can be delays in settling the \nclaim\n if neither one of the sides concedes liability or isn\u2019t thoroughly evaluated. This implies there isn\u2019t sufficient written proof to \nhelp the claim\n. You or the other driver may, thus, be approached to send in more proof. This may imply that the \ninsurance claim\n takes longer than three months to settle. As soon as liability has been conceded and enough proof has been created for the claim to be evaluated, your \ninsurance\n company should settle it within the stipulated three months. Safeguarding your vehicle should be possible with a little bit of caution and good judgment. You ought to consistently be constraining the amount of a risk you leave yourself to theft. Never leave your keys in the vehicle, or your doors opened.\n\n\nTags:\nFire and Theft Cover\nInsurance Claims\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/26/i-sinar-a-good-idea-or-bad-idea/", "title": "i-Sinar \u2013 A Good Idea Or Bad Idea?", "body": "In the past, you had to meet specific requirements if you wanted to touch your EPF Account 1. However, thanks to a new government policy that took effect on the 8th of March 2021, all applications for \ni-Sinar \nwill be promptly approved if the applicant meets three (3) criteria.\n\n\nCriteria For i-Sinar Approval\n\n\nUnder the new regulation, three criteria to meet for approval are;\n\n\n\n\nThe applicant must be an EPF member.\n\n\nThe applicant must be under 55 years of age.\n\n\nThe applicant must have a minimum savings balance of RM 150 in their \nEPF\n Account 1.\n\n\n\n\nHowever, this access to your \nEPF savings\n raises a fundamental question; should you access your account first? Here are things to remember when making a decision here.\n\n\nChoosing To Or Not To Use \ni-Sinar\n To Withdraw Your EPF Savings\n\n\nEven now, many Malaysians are still reeling from the impact of the \npandemic\n. This policy might be a god-sent gift for these people who may have lost their sources of income and yet have to pay utility bills, rent, feed themselves, and take care of other expenses. However, if you\u2019ve still got your job, can quickly pay all your bills, and don\u2019t need to tap into your emergency funds, then you might be better off leaving your \nEPF savings\n as it is. One thing you need to always remember down this road is that \nwithdrawing from your EPF\n for whatever reason automatically diminishes the amount of reserve you can call on when it\u2019s finally time to retire. While that mightn\u2019t seem like a big deal now, time flies, and no one knows what tomorrow holds. As such, it\u2019s always better to play things safe and keep as much as possible to take care of yourself even in your old age.\n\n\nIs Taking Money Out Of Your EPF To Invest a Smart Play?\n\n\nEveryone knows that leaving money to sit there is always a waste. As such, it\u2019s only natural to consider digging into your EPF so you can put money into something more rewarding. But, before you take this step, consider the possibility that your money is already in the best investment stream possible!\n\n\nWhat Do We Mean?\n\n\nIn 2020, the EPF declared a whopping 5.2% dividend! Nine years before, they paid an average bonus of 6.1%. The most that other safe and reliable investments like ASB and fixed deposits have been able to pay in the same time frame is 4.25%. And while you can always get more profit in the stock exchange market, remember that even professional brokers and investors often suddenly lose it all.\n\n\nOur Opinion\n\n\nThis access to a stream of funds can seem enticing to capitalize on, but you should leverage it with caution, if at all. While survival today is essential, you should also try not to jeopardize your future.\n\n\nTags:\nAmanah Saham Nasional Berhad\nASB\nEmployees Provident Fund\nEPF\ni-Sinar\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/03/28/common-car-insurance-frauds/", "title": "Common Car Insurance Frauds", "body": "As scary and unpleasant as it might be to hear, car \ninsurance frauds\n happens. Besides the fact it can happen to anyone at any time, it is most often perpetrated by the most unexpected individuals. Car \ninsurance scams\n have always been around. Recently, however, the cases of people who\u2019ve fallen victim to these \ninsurance scams\n have been steadily increasing. The methods of duping unsuspecting individuals have become more advanced, so it becomes essential you stay on guard. There are several antics that these nefarious individuals employ. We\u2019ll be highlighting the most popular ones in this post. Without further ado, here goes:\n\n\nThe Vehicle Theft Scam\n\n\nThis is one \ncar insurance\n scam that you have to be very careful of. It\u2019s incredibly difficult to detect because it doesn\u2019t occur in a manner you can easily spot. What happens here basically is that a fraudster reports your vehicle as burgled or stolen to use this to validate a claim from your \ninsurance\n company. It requires that they work with law enforcement agencies to pull this off and don\u2019t be surprised that they do! To protect yourself against this, the moment you discover your vehicle has been stolen or broken into, contact your insurer right away. As an added precaution, be careful of lodging your complaint in a setting with unfamiliar people. Also, fill out the police report yourself. Don\u2019t accept assistance from anyone with that.\n\n\nThe Towing Scam\n\n\nHere, what happens is that they stage a team that looks out for accidents. As soon as one happens, the fraudsters swoop in with a \ntow truck\n, pose as legit individuals and pressure you into using their services. There isn\u2019t any doubt that the authorities are as proactive as they can be. Nevertheless, always beware when the timing seems too good to be true. As such, even though you\u2019ve just been involved in an accident, be sure to try to keep yourself balanced. Once you\u2019ve managed to get your bearing after the accident, endeavor to get in touch with your insurer immediately and have them sort out the details of moving your \ndamaged car\n.\n\n\nExaggerating Loss/Damage When Filing Claims\n\n\nWe\u2019ve been discussing the \ninsurance frauds\n that amoral people may perpetrate against you so far. However, exaggerating the loss or damage done to your vehicle is a fraud you may easily commit as a vehicle owner. Inflating the price of repairs a little here and there might seem only fair to you. After all, you\u2019ll be undergoing a significant amount of stress as a result of the repairs your vehicle will have to go through. What\u2019s the harm in making something out of it? The fault with that logic is that lying while \nfiling your claim\n is a fraudulent act and can have some profound legal implications.\n\n\nMore than that, it could lead to your entire \nclaim\n being rendered invalid. To that end, it\u2019s always best you stick with the truth and not deviate from it. There you have it! Knowing these things for what they are now, you can devise easy measures of countering them. In the same vein, if you suspect \ninsurance frauds\n is afoot, don\u2019t hesitate to contact the appropriate authorities!\n\n\nTags:\nInsurance Frauds\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/06/22/car-maintenance-checklist/", "title": "Car Maintenance Checklist", "body": "I don\u2019t think anyone wants his/her car to be in and out of the mechanic workshop all the time. That\u2019s why taking good care of your vehicle and keeping it in proper running order with regular DIY \ncar maintenance\n is the key to its longevity. Aside from longevity, keeping your car in great shape with standard \ncar maintenance\n methods additionally expands safety. When your car is running smoothly and performing at an optimal level, there would be less strain on your vehicle engine and different parts. More so, your driving capacity won\u2019t be impeded by a compromised vehicle. The good news is, you don\u2019t have to be a mechanical prodigy to keep your vehicle in great shape. You only need to be aware of what\u2019s required in order to be done, how it\u2019s done and when it should be done. To help you with these needs, we\u2019ve compiled a DIY car maintenance checklist that will help you in ensuring your car is in top running condition.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nChange Your Oil And Oil Filter\n\n\nMotor oil is your engine\u2019s life-blood. It serves a lot of functions- it serves as a lubricant, which helps keep engine parts from grinding against each other and destroying the engine, helps act as a sealant against debris, cools the engine, and helps prevent engine corrosion. Making sure the oil is squeaky clean is crucial for the health of your engine. Though changing the oil and oil filter depends on your car, the type of oil you use (petroleum-based or synthetic), how much you drive, your driving style, weather factors, and vehicle mileage. However, many experts recommend following your \nvehicle\u2019s owner\u2019s manual\n recommendation or change the oil & oil filter as much as every three months or 3000 miles (ca. 4,828 km). For your vehicles other fluids, you should ultimately follow the \nvehicle\u2019s owner\u2019s manual\n; however, we recommend the following general guidelines:\n\n\nBrake Fluid\n: Change every two years or 24,000 miles (ca. 38,624 km)\n\n\nPower Steering Fluid\n: Change every two years\n\n\nTransmission Fluid\n: Change every 30,000 to 60,000 miles (ca. 96,561 km)\n\n\nTire Pressure, Rotation And Tread Depth\n\n\nSince your tires are your car\u2019s only contact with the road, it\u2019s imperative to regularly maintain and check them for a safe, fuel-efficient ride. Failure to take good care of your tires can bring about significant safety concerns for you, your passengers, and fellow drivers on the road.\n\nThe rate at which you carry out maintenance on your car tires depends mainly on the service area you\u2019re focusing on. For instance, you need to check the air pressure in your tires once a month, before long trips or carrying extra load. More so, it will help if you get a tire rotation every 5000 miles (ca. 8,047 km), and it\u2019s recommended you replace your tires when your treads reach 4/32 of an inch. However, you might want to try a penny test to determine the amount of wear on your treads!\n\n\nJoin Fincrew Official Youtube Channel\n\n\nSpark Plugs\n\n\nSpark plugs ignite the gas and air mixture to get your vehicle started. It also provides it with a spark to help it stay powered and running smoothly. If your spark plug is faulty, your \ncar engine\n won\u2019t run at optimal capacity; the more reason why it\u2019s essential to make sure they\u2019re functioning correctly. When you start noticing engine misfires, poor gas mileage, trouble starting your vehicle, poor acceleration, and a vibrating or noisy engine, you should know your spark plugs need replacement, but most experts recommend replacing your spark plugs about every 30,000 miles (ca. 48,280 km).\n\n\nCheck These Areas Too\n\n\nIn addition to the areas mentioned above, you might want to check the wiper blades, the battery, the air filter, and the belts and hoses to keep your vehicle in top gear.\n\n\n\u00a0\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nTags:\nBrake Fluid\nCar Maintenance\nOil Filter\nPower Steering Fluid\nSpark Plugs\nTire Pressure\nTransmission Fluid\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/02/02/rti-return-to-invoice-in-car-insurance/", "title": "RTI (Return To Invoice) In Car Insurance", "body": "In Malaysia, owning a motor vehicle comes with a lot of responsibilities. Not only do you have to take care of your automobile and ensure that it is in perfect working condition, but you also have to make sure that you have insurance on your vehicle. Broadly speaking, there are three \ndifferent types of insurance\n available to vehicle owners in the country. There is the Third Party, Third Party, Fire and \nTheft\n and the Comprehensive package. According to the law, you need to have at least the Third-Party Coverage, if you want to put your vehicle on the road freely and without inhibition. However, if you really want the best and most extensive coverage for your automobile, then you want to get \nComprehensive policy coverage\n. One great thing about taking out a Comprehensive coverage policy on your vehicle is that it affords you the opportunity of taking on several add-on policies that can help you further protect your vehicle. One of such add-ons is the \nReturn To Invoice\n (RTI). What exactly is the \nRTI\n, and why might it be a great addition to your Comprehensive \nInsurance policy\n? Let\u2019s find out.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat Is RTI (Return To Invoice) Exactly?\n\n\nEssentially, a \nReturn To Invoice\n add-on coverage is a special policy that your insurance provider may extend to you. What makes this add-on potentially valuable to you is that it helps you cover the monetary disparity between the insured value of your car from the invoice value of the automobile. The benefit of an \nRTI\n is that with it, you can get a full payout for the complete cost of the vehicle if it gets damaged, lost or even stolen.\n\n\nThings To Take Note About RTI (Return To Invoice)\n\n\nThe RTI is a special package, even among add-ons. To that end, there are a few things worthy of mentioning. Some of which include:\n\n\nPrice and Duration of Viability\n\n\nThe first thing you need to know about RTI is that you cannot get it on just any vehicle. First, the vehicle you want to get RTI for must be brand new. Second, the viability of the add-on lapses after three years at the most. Also, in terms of price, RTI can be a bit expensive as it costs roughly 10% more than you would pay for a Comprehensive basic package.\n\n\nCar Theft Protection\n\n\nIf you live in an area with an increased rate or theft, or you do not park your vehicle in secure locations, RTI can be very good for you. Should your new \ncar get stolen\n, you would be reimbursed for the full price of the automobile.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nAdded Protection Against Accidents\n\n\nAs was mentioned earlier, RTI can also provide you with some added \ninsurance coverage\n if your vehicle is damaged beyond repair. What RTI does is that it complements your comprehensive insurance package to help you get full reimbursement for your car. Perhaps the biggest benefit of getting RTI for your automobile is the fact that it gives you that complete assurance that your vehicle is fully covered. As such, getting it can go a long way in helping you ensure that your precious vehicle is safe, even in the face of any eventuality. However, you must bear in mind that this benefit only lasts the first three years of buying and owning your car.\n\n\nTags:\nComprehensive Coverage\nFire and Theft Cover\nInsurance Policy\nReturn To Invoice\nRTI\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/12/how-to-make-your-financial-life-simpler/", "title": "How To Make Your Financial Life Simpler", "body": "Fiscal matters can be complex to manage, even at the best of times. This fact is made even more pronounced because most people tend not to have a good grasp of the field to begin with. Yet, if you don\u2019t make conscious efforts to understand and simplify your \nfinancial\n life, you may quickly find that you won\u2019t be able to use money as efficiently as you should. And while it\u2019s true that most \nfinancial\n services firms in the country don\u2019t make this process any easier for you, you still have many great options you can explore down this road. As long as you\u2019re willing to be objective and dedicated to the process, the strategies we\u2019re about to highlight will help you easily make more of your funds.\n\n\nCompare Personal Loan In Fincrew\n\n\nLoans\n\n\nFor better or worse, at the moment, taking loans is an important aspect of the financial lives of most Malaysians. But if you\u2019re going to take a \nloan\n, you need to make sure that it\u2019s not only worth it but also getting the best deal possible. The one way to ensure this is to do extensive research before finally settling for any one bank or financial institution. Sadly, because most people are so occupied with managing other aspects of their lives, they don\u2019t give this exercise the due attention it deserves. Thankfully, platforms like FinCrew are now available. With the wide array of loan tools and financial resources available, you can \ncompare the offerings of different loan providers\n in minutes. Armed with this information, you\u2019ll be able to find the best deal for yourself and subsequently make the most of it.\n\n\nCheck your company eligibility & apply business loan online.\n\n\nInsurance\n\n\nLike when taking \nloans\n, most people don\u2019t look twice when getting an \ninsurance\n policy. Often, they either rely on word of mouth or simply get the first insurance package that comes their way. However, neither of these approaches takes into account your unique lifestyle and needs. But with the aid of accurate insurance comparison tools, you not only get to seek out better terms, but you also get a clear bird\u2019s eye view of what to expect from the coverage.\n\n\nCredit Cards\n\n\nArguably one of the most indispensable resources in our daily lives, how you use your credit card(s) can make or break your \nfinances\n. It all starts with your selection process. If you don\u2019t pick the right credit card(s), managing your spending and \nfinances\n can become infinitely harder. So, apart from using tools like the FinCrew \nCredit Card comparison\n tool to carefully weigh your options, make sure that you only opt for cards with benefits you can take advantage of.\n\n\nCompare and apply for the best credit cards\n\n\nAutomating Your Financial Processes\n\n\nThe best way to manage your finances today is to automate your fiscal affairs. Having recurring bills automatically debited from your bank account can have several advantages. For instance, it ensures you never have to pay any penalties for \nlate payments\n. Also, it frees up your time to do other, more productive things. Another benefit of this approach is that you\u2019ll easily track your spending habits and see what you could be doing better.\n\n\nBottom Line\n\n\nThe above are only a few areas where you can streamline your financial activities. However, the effect of taking these steps can be profound. It\u2019ll not only make your financial processes faster, but it can also help you reduce costs, too. You can see more efficient ways to manage your money here.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nCredit Cards\nFinancial\nFinancial Services\ninsurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/30/some-examples-of-contingent-liabilities/", "title": "Some Examples Of Contingent Liabilities", "body": "The term contingent liability refers to a penalty that may arise depending on a specific event\u2019s outcome. Depending on how a future event unfolds, this may or may not become a requirement. It will estimate recorded \ncontingent liabilities\n; otherwise, disclosure of the amount will happen.\n\n\nUnderstanding The Concept Of Contingent Liability\n\n\nContingent liability is a liability that becomes a potential loss if a specific event occurs in the future. Some examples of contingent liability include pending investigations, product warranties, and potential lawsuits. They estimate the amount and will use it to pay the liability when it occurs. Companies are not the only ones exposed to contingent liability, as it also applies to individuals. For instance, if you were to take an educational loan of $10,000 to help your child with their higher education. If your child failed to make payments after getting a job, that amount could become a contingent liability. Since you took a \nloan\n from your bank, you might have to repay the amount.\n\n\nCheck your company eligibility & apply business loan online.\n\n\nExamples Of A Contingent Liability\n\n\nBelow are some examples of \ncontingent liabilities\n \u2013\n\n\n\n\nLawsuit\n\n\nProduct Warranty\n\n\nPending Investigation or Pending Cases\n\n\nBank Guarantee\n\n\nLawsuit for \ntheft\n of Patent/know-how\n\n\n\n\nLawsuit\n\n\nThink of a scenario where a company is being sued for patent infringement by a rival company. The company\u2019s legal department believes the rival firm has a good case, and if it loses, it will suffer a loss of $2 million. The company posts an accounting entry on the balance sheet to debit (increase) legal expenses for $2 million and credit (increase) accrued expenses for $2 million because the liability is probable and easy to estimate. Using an accrual account, the firm can post expenses without needing to make a cash payment immediately. If the lawsuit results in a loss, they will debit the accrued account (deduction), and the cash account is credited (reduced) by $2 million. It is possible but not probable that there will be a lawsuit and that the dollar amount will be around $2 million. In these circumstances, the company discloses the contingent liability in the financial statements\u2019 footnotes. It is not required for the company to disclose the potential liability if it determines its slight risk.\n\n\nProduct Warranty\n\n\nSome companies offer warranties on their products, such as company X. Selling a car and providing a three-year contract on the car\u2019s engine, which costs around $1000. Suppose the company sells 5000 units. In that case, the company has to estimate how many vehicles need repairs during the warranty period, and accordingly, the financial statements must provide contingent liabilities.\n\n\nPending Investigation Or Pending Cases\n\n\nThe company\u2019s books must mention contingent liabilities if there are pending investigations, pending court cases, pending income tax assessments, or any other tax.\n\n\nBank Guarantee\n\n\nLet\u2019s assume there are two companies; one is B Ltd, and the second is C Ltd. Assuming C Ltd is taking a \nbusiness loan\n of $1000 million, and company B is giving a guarantee on behalf of company C. In that situation, if company C defaults in making payment, then company B has to make the payment to the bank; therefore, company B has to disclose this \ncontingent liability\n in their accounts books.\n\n\nLawsuit For Theft Of Patent/Know-How\n\n\nSuppose ABC company is developing medicines to cure diabetes simultaneously as XYZ Ltd sues ABC Ltd for $1000 million for theft of patents. ABC Ltd feels they will lose the case, so they should make payment to XYZ Ltd. As a result, ABC Ltd records the \ncontingent liability\n in his books of accounts.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nContingent Liability\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/12/what-to-do-before-your-car-factory-warranty-expires/", "title": "What To Do Before Your Car Factory Warranty Expires", "body": "Car warranties are usually not thought about until there is a problem with the vehicle. Nevertheless, after your contract expires, every repair becomes your responsibility. You should start planning for life beyond coverage if you get to the end of your car warranty. Keep reading and check to learn how to keep your car costs low if your contract is about to expire \u2013 and how to use it now.\n\n\n\n\nUnderstanding Your Coverage\n\n\nThere is no one \nfactory warranty\n program that is the same for every driver. Depending on your make and model, a \nfactory warranty\n may include a powertrain, maintenance, corrosion, and emissions coverage. Also included will be an expiration date, which designates a specific number of months and miles after which the warranty will end. Your responsibility as the owner is to know what your factory warranty coverage includes and excludes. Here are two places you can find all the details:\n\n\n\n\nYour vehicle purchase documents, and\n\n\nThe vehicle registration documents. Visit the Brands website.\n\n\n\n\nMake Sure You Know When Your Factory Warranty Expires\n\n\nYou should double-check the start date of your warranty, even if you remember the exact day you picked up your vehicle at the dealership, to determine when it expires. You can check your factory warranty by VIN (vehicle identification number). The number is on your registration card, \ninsurance\n card, or vehicle title. When you find the VIN, you should contact the service department servicing your brand to track your warranty by VIN.\n\n\nKeep Your Vehicle In Good Condition\n\n\nThe best way to use your warranty is to follow a regular maintenance schedule, even if your contract is still active. The warranty is a contract between you and the manufacturer or dealer. As part of that contract, you must take care of your car to reduce the likelihood of something going wrong. When something goes wrong, your car will be repaired by the manufacturer or dealer. If you fail to follow a maintenance schedule, you will have a void warranty. You should maintain records of all \nmaintenance and repair\n work.\n\n\nYou May Want To Consider An Extended Warranty\n\n\nA new car \nbuyer can purchase an extended warranty\n to enhance the factory warranty. Often, these Extended Warranties cover items that the standard Factory Warranty does not, for an extended period or both. You can decline the \nextended warranty\n upfront when you take your vehicle\u2019s delivery, but you can still pick one up before your factory warranty expires. Nonetheless, it would help if you decided whether the \nbenefits of an \nextended warranty\n will outweigh the costs.\n\n\nIs It Time To Trade-In?\n\n\nAs your warranty security net disappears, you may want to assess whether your driving car still meets all your needs. Since taking possession of the vehicle, something may have happened that makes it no longer the right choice for your family or your budget. The \nused car\n market is currently booming, so you may be able to get even more trade-in credit towards a new car or CPO model that would meet all of your \u2018must-haves.\u2019\n\n\nTags:\nCar Warranty\nExtended Warranty\nFactory Warranty\nVehicle Identification Number\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/10/18/driving-your-parents-car-without-insurance/", "title": "Driving Your Parents Car Without Insurance", "body": "You acquired a driver\u2019s license, but the problem is that you still don\u2019t have a vehicle. That is why it crossed your mind that you could try driving your parents\u2019 car. However, the problem is that the vehicle doesn\u2019t have any type of \ninsurance\n. Should you drive a car that doesn\u2019t have \ninsurance\n, even if it belongs to your parents? We carefully analyzed that topic, and here is what we discovered!\n\n\n\n\nYou Shouldn\u2019t Drive a Car without an Insurance Policy\n\n\nThe law in Malaysia is very clear \u2013 it doesn\u2019t allow driving a car that doesn\u2019t have insurance. That means the answer to this question isn\u2019t related to the fact that the vehicle belongs to your parents. The only thing that matters is whether it has insurance. If you drive a car without insurance, you risk a hefty penalty. Furthermore, if you participate in an accident, you might face substantial damage bills. That is why it\u2019s just not worth the risk \u2013 it is better and safer to acquire an \ninsurance policy\n. While we are on the topic, let\u2019s mention that it is legit to drive your parents\u2019 car, but under these conditions:\n\n\n\n\nThe vehicle has an active \ninsurance policy\n.\n\n\nYou have an active \ndriving license\n.\n\n\nYour parents agree with you using their car.\n\n\n\n\nWhat Is Car Insurance Mandatory in Malaysia?\n\n\nAccording to the law, you need to have at least third-party car insurance. If you own a vehicle, it is compulsory to have an active insurance policy for it. Those who drive someone else\u2019s car should confirm that there is a valid insurance for that vehicle before sitting behind the wheel. The Malaysian authorities allow you to choose the desired insurance plan. The minimum required is a third-party policy, and that is the most affordable option. You can take things one step further and go with a comprehensive policy. That will secure all-around protection if an \naccident occurs on the road\n.\n\n\nWhy Is Car Insurance Mandatory?\n\n\nYou must pay the road tax for any vehicle that you own. However, you cannot apply for that tax if you don\u2019t have an active insurance deal for your car. That means a policy is a pre-requirement for the road tax, which the law requires you to pay.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhat If I Don\u2019t Want to Purchase Car Insurance?\n\n\nThe Road Transport Act clearly specifies that a single fine for driving without road tax is up to RM3,000. That is a large sum to pay, which is why car insurance and road tax is a way to secure peace of mind. And that is only the beginning because driving without \ncar insurance\n is also subject to a fine. According to the Road Transport Act (RTA), you could face up to three years in prison and be paid up to RM1,000.\n\n\nThe problems pile up if you participate in a road accident. If no \ninsurance covers\n you, and you are not the blame, you will still end up paying for the damage on your vehicle. And if you are the one who caused the accident, you will need to pay to fix other people\u2019s cars, too. If you employ common sense, it is not only about what the law requires. Getting a \ncar insurance policy\n for your vehicle protects your finances and provides peace of mind. That is why you should only enter your parents\u2019 (or any other) vehicle if it has an active insurance deal.\n\n\nTags:\nCar Insurance\nInsurance Policy\nRoad Transport Act\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/13/buying-auto-insurance-online-versus-offline/", "title": "Buying Auto Insurance Online Versus Offline", "body": "The year is 2022. Two decades ago, consumers used to browse online and buy offline. However, things are rapidly changing now, and everything is now instant. Millennials are changing the digital landscape, and multinationals are channeling their resources towards catering to their demands and wants. Companies are mining an ocean of data to find actionable insights into getting consumers to click the Buy Now button. The \nauto insurance\n industry is also caught in the middle of this digitization-powered paradigm shift. Amidst all this, buying \nauto insurance\n can sometimes be confusing and tedious because of the many options available to you. Purchasing your auto insurance can either be done online or offline. But which is better, online or offline auto insurance? Read along as we compare both \nbuying insurance online\n versus offline based on several factors.\n\n\nCost\n\n\nPurchasing your auto insurance\n online is a lot much cheaper than buying it offline. An online insurance purchase eliminates agent commission or brokerage cost, usually passed on to you as a discount. More so, to attract more customers, online insurance companies offer new user discounts, end of the year discounts, and other festival offers that are difficult to get in the case of offline insurance. It is advisable to \ncompare auto insurance quotes online\n before actually purchasing the insurance. Several comparison websites are available that you can use to compare \npolicies and premium costs\n of different insurers to make the best decision.\n\n\nThe Process\n\n\nThe process of purchasing auto insurance online is much easier and faster when compared to buying offline. With the latest cutting-edge technology, all the information needed is available with a click of a button, and the entire process of comparing the coverage, selecting the plan, going through the terms and conditions, and confirming payment can now be done in a few minutes. Most importantly, you bounce the tedious and boring task of filling different policy documents. Moreover, suppose you are \npurchasing your auto insurance\n offline. In that case, you probably will spend most of your time meeting the agent, deliberating on the policy, deciding on the policy, paying for the plan, and finally, receiving your policy documents at your desired location. All these processes may last for at least 2-3 days.\n\n\nTransparency\n\n\nIt is a very crucial factor in helping you decide on your preference of buying auto insurance online or offline. On the one hand, in buying auto insurance online, you have the opportunity to read the terms and conditions of the policy you want to purchase and \nunderstand the policy wording even before buying the insurance\n. You have the option of saving the policy details for future reference while assuring you get what you see and what you are willing to pay. On the other hand, if you purchase your auto insurance offline through an agent, you only get to see the actual terms and conditions of the policy after making payment. A dealer might mold his wordings to win the deal.\n\n\n\n\nClaim Settlement\n\n\nMost auto insurance companies deliver a superb feature of filing your claims online and quickly checking the status of your claim. Online filing also makes the process of settlement very fast and secure. If you purchase your auto insurance offline and want to make a \nclaim\n, you will have to get in touch with the offline dealer at every step of the claim settlement process. Sometimes, you might be required to physically visit the agent to submit the claim documents and other documents. It will require more time to process.\n\n\nTags:\nAuto Insurance\nBuy Insurance Online\nInsurance Claims\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/02/11/idv-or-insured-declared-value/", "title": "IDV Or Insured Declared Value", "body": "As a driver in Malaysia, you very likely understand the gravity of having \ninsurance\n. Setting aside the fact that it is a mandated requirement by law, if you want to use your vehicle in the country, it provides a certain level of financial security you can\u2019t afford to do without in today\u2019s world. As such, understanding all that goes into your car insurance policy is very important. When you take out an \ninsurance policy\n on your automobile, you are expected to pay a premium. Several factors determine what amount you pay as your \ninsurance premium\n. One of these variables is \nInsured Declared Value\n or IDV.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat Exactly Is Insured Declared Value?\n\n\nBasically, the IDV (\nInsured Declared Value) \nof your vehicle is the estimated current market value of the automobile you took out insurance on. As a driver, you know that occurrences like vehicle breakdowns, repairs and even accidents are a part of owning and operating an automobile. In some extreme cases, your vehicle could even end up stolen or vandalized beyond repair. When these accidents occur within the parameters of your insurance policy, the amount stipulated as your \nIDV\n is what you can expect as a payout. For example, if at the start of your insurance policy, your \nIDV\n was established to be 10, 000 MYR, should your \ncar get stolen\n or damaged beyond repair, your payout or compensation will be exactly 10, 000 MYR.\n\n\nWhy Is IDV Important Yo You?\n\n\nThe value of your IDV has a direct bearing on what you pay as insurance. Broadly speaking, most \ninsurance companies\n will require you pay nothing less than 2 \u2013 3% of what your IDV is valued at as your premium. In essence, the higher your IDV, the more you pay as premium. While this might tempt some drivers to declare a slightly lower IDV to save on premiums, note that should the worst happen, you may not receive up to what you should\u2019ve as compensation. For this reason, it is important you keep your IDV as close to the real market value of your vehicle as possible.\n\n\nHow Do You Calculate The Insured Declared Value For Your Vehicle?\n\n\nThe \nInsured Declared\n Value of your vehicle is calculated using various parameters which are then calibrated against the current motor tariffs in the country. Some data used by insurance companies to evaluate your IDV include but aren\u2019t limited to:\n\n\n\n\nYour car registration information\n\n\nThe location where you carried out your car registration\n\n\nThe make, model and manufacturer of the automobile insured\n\n\nThe current description of your vehicle.\n\n\n\n\nAll things being equal, the older your vehicle gets, the lower you can expect your premium to become.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nKey Takeaways\n\n\nThe first and perhaps most important thing to note is that if you want to enjoy the full benefits of your IDV, never under-state the value of your IDV under any circumstance. In the same vein, do not overstate your IDV as this may be counterproductive for you in the end. Lastly, when making claims on your IDV, keep in mind that the way you lose your automobile also factors into your payout. If the manner in which you lost your car isn\u2019t covered under your policy, getting compensation may prove challenging.\n\n\nTags:\nIDV\nInsured Declared Value\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/03/23/insurance-companies-redlining-car-insurance-policies/", "title": "Insurance Companies Redlining Car Insurance Policies", "body": "You might have searched \ncar insurance companies\n and policy specifics on the web and discovered clients talking about \u201credlining.\u201d Although it might be the first time you came across that term, it can be important for all vehicle policy owners out there. In this article, we will talk about \nredlining\n details and are there legal \nredlining\n mechanisms that a car insurance company might use.\n\n\nWhat Is Redlining With Car Insurance\n\n\nIf we are talking about a general definition, it is intended denial or adjustment in the pricing of specific services to particular clients. We first encountered this term in the United States during the 1960s. At the time, the local banks avoided investing in local communities where black people were the dominant group. They refused to issue \nloans\n and provide other services to clients of color. The experts indicate that there is also the term \u201creverse redlining.\u201d That involves providing services to particular clients, but only at a higher price than usual.\n\n\nAre Car Insurance Companies In Malaysia Redlining?\n\n\nIt is hard to talk about redlining and not mention discrimination. These two go hand in hand, but some discrimination types are not allowed by law. Malaysia is a multi-ethnic country, but you won\u2019t see \ncar insurance companies\n getting involved in racial discrimination. However, if we scratch below the surface, it is easy to find redlining characteristics among the services provided by \ncar insurance policies\n. The best example of redlining is the practice of determining the cost of car premiums.\n\n\nMales Will Pay More Than Females\n\n\nThe statistics indicate that males are riskier drivers than females. According to experts, men cause a bigger number of accidents than women, a red flag for car insurance companies. Based on these statistics, they increase the cost that males pay for their premiums. Living in urban areas and crowded cities might also be the reason why you pay more for your \ncar insurance policy\n. That is because there is a higher risk of \naccidents on roads\n with high-intensity traffic.\n\n\nYoung Drivers Are Riskier Than Older Ones\n\n\nIf you only recently acquired a \ndriving license\n, you can expect to pay more for the car insurance policy than an older person. However, that only applies if the older person didn\u2019t cause any accidents and didn\u2019t have a poor driving history. Young drivers start from scratch, but instead of offering them a clean slate, \ninsurance companies\n take the safe path. That is why they might increase the premium cost when compared to standard prices.\n\n\nIs It Legal For Car Insurance Companies To Redlining In Malaysia?\n\n\nLet\u2019s take a look at things from the perspective of \nvehicle insurance\n providers. For starters, they will rarely refuse to approve an \ninsurance policy\n to a car owner (unless it\u2019s a justified decision). Next, the agency will consider your gender, age, and other potential risk factors when determining the \ninsurance\n rate. That might seem like the companies are discriminating against some drivers, but it is also an opportunity to reward others. For example, those with a \nNo Claim Discount (NCD)\n will have a lower price from the second year. As for the legality, it seems that the vehicle insurance providers are doing everything by the law at the moment. If you have any suspicions, there are legal mechanisms for complaining. However, including age and gender in risk factors has become common since there is no alternative to accurately determining the driver\u2019s risk.\n\n\n\n\nTags:\nNo Claim Discount (NCD)\nRedlining\nReverse Redlining\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/01/21/simple-explanation-of-car-insurance/", "title": "Simple Explanation Of Car Insurance", "body": "\n\n\n\nGetting insurance, maintaining it, and renewing the policy as to when due is standard practice for vehicle owners. Yet, it\u2019s safe to say that many drivers don\u2019t really know much about auto insurance beyond the basics.\n\n\nWhat Exactly Is Car Insurance?\n\n\nHow does it work? Find out all that and more right here! Hi there! I\u2019m Stella, Fincrew brand ambassador, and I\u2019ll be your host on all things \nauto insurance\n in Malaysia! Today, I\u2019ll be giving you a basic rundown of everything involving \ncar insurance\n, from what it is to the different types available to you. Understanding \nauto insurance\n is the first step towards ensuring you get the most value for every ringgit. The Insurance360 Video Series by Fincrew breaks down all you \nneed to know\n about your vehicle coverage! So make sure you don\u2019t miss another episode! Click the Subscribe button and enable notifications now! Essentially, an auto insurance policy is a written contract between you and your insurer that protects you from incurring financial loss should your vehicle suffer damage or any incident of theft. In turn, you are expected to pay what is called a Premium. Keep in mind that the extent to which your insurance company offers you coverage is dependent on what type of coverage plan you take out with them. In Malaysia, there are essentially three types of \ncar insurance\n. There is the;\n\n\nThird-Party Coverage\n\n\nAccording to driving regulations in the country, you must have an \nauto insurance policy\n before putting your car on the road. This is the least possible coverage you can take out on your vehicle. It also happens to be the cheapest. However, its scope of coverage is minimal as you are only insured for damages to the other individuals\u2019 person, property, and vehicle, nothing more.\n\n\nThird-Party, Fire and Theft Coverage\n\n\nThis is an improvement on the Third-Party basic coverage for drivers willing to spend a little more. It\u2019s worth mentioning that procuring this policy is strictly by preference. Some perks of doing so include the fact that you\u2019re insured against financial losses if your automobile is damaged by fire or theft. However, you\u2019re not insured for repairs to your vehicle should it be damaged in an accident.\n\n\nComprehensive Coverage\n\n\nThis is the most extensive and expensive policy you can take out on your vehicle today. Not only are you fully financially covered in the event of damage to a \nThird Party\u2019s\n vehicle or property, but you also won\u2019t have to pay out-of-pocket should your car be damaged by fire or theft. You are also insured for repairs if your car gets damaged due to a collision, provided you weren\u2019t the at-fault party. To \nclaim\n a payout, you need to make sure you first file a police report within 24 hours of the accident. Next, shift your vehicle to either the panel workshop of your insurer\u2019s or that of the driver at fault, depending on the nature of the accident. You\u2019ll then need to employ the services of an Independent Licensed Adjuster to help you assess things like the cost of the damages and what compensation would be appropriate for covering the length of time you would be without a vehicle.\n\n\nThen, as appropriate, you would need to tender,\n\n\n\n\nAn original copy of your police report,\n\n\nYour \u201cKeputusan,\u201d which is your Results report,\n\n\nA copy of your National Registration Identity Card and your \ndriver\u2019s license\n,\n\n\nYour car registration card,\n\n\nThe adjuster\u2019s report, your bill of repair costs, and photographic evidence of the damage.\n\n\n\n\nAnd that\u2019s all you need to know about \nauto insurance\n for now! Do you have any questions about Malaysia\u2019s car insurance so far? Leave it in the comments section below, and we\u2019ll get to it right away! Be sure to Like this video, Subscribe and set up notifications, so you get a ping when future episodes from this Insurance360 video series comes on! See you again!\n\n\nTags:\nCar Insurance\nComprehensive Coverage\nFire and Theft Cover\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/07/30/what-is-comprehensive-auto-insurance/", "title": "What Is Comprehensive Auto Insurance?", "body": "\n\n\n\nEvery automobile needs \ninsurance\n, right. So once you\u2019ve gotten any random insurance policy, you should be just fine, right? Wrong! Taking out insurance on your vehicle is something you should do very carefully, not just because you have to. But how do you know if you have picked the right policy? Is there really any difference between \ncomprehensive auto insurance\n and the other policies out there?\n\n\nYes, there is!\n\n\nIn today\u2019s episode, we\u2019ll be extensively discussing \ncomprehensive auto insurance\n and how it differs from the other vehicle insurance policies. Hello, I\u2019m Fincrew brand ambassador and will be your guide on all things \nauto insurance\n Stella, and today, we\u2019ll be highlighting all the factors that distinguish \ncomprehensive auto insurance\n from the rest. You don\u2019t want to miss a single clip in the Insurance360 Video Series! Get on all the relevant updates you need to make the most of your precious ringgits! Simply click on the Subscribe button and enable notifications, so you know when we make a new release!\n\n\nThere are many kinds of \ninsurance policies\n out there today, so to understand how one differs from the result, you have to know what each of these policies mean. You\u2019ll find three \nauto \ninsurance policies\n in operation today. They are:\n\n\n\n\nThe Third Party auto insurance,\n\n\nThe \nThird Party\n, Fire and Theft auto insurance, and\n\n\nThe Comprehensive \ninsurance policy\n.\n\n\n\n\nThe Third-Party Auto Coverage\n\n\nThis is the smallest and most basic auto insurance you can take out on your vehicle. Essentially, what this policy does for you is offer you a measure of financial security should you get involved in an accident that damages another driver\u2019s vehicle or property. This policy will cover the cost of repairs to the other party\u2019s possessions and health bills if it\u2019s required. However, that is the extent of this policy\u2019s coverage. As the cheapest automobile policy you can take out, its coverage doesn\u2019t reach repairing your own vehicle or catering to your health bills.\n\n\nThe Third Party, Fire and Theft Auto Coverage\n\n\nThis policy bears remarkable similarities to the primary Third-Party auto insurance coverage policy. It also seems to cover the financial implications of repairing the other driver\u2019s vehicle or property and sorting out the medical expenses. However, it offers one important additional feature; Under this policy\u2019s coverage, you have the right to claim if your vehicle is stolen or gets damaged to any extent due to a fire or theft. Remember that you have to exercise a measure of caution when filing a claim under this policy because it doesn\u2019t cover the costs of repairs for damages resulting from an accident.\n\n\nThe Comprehensive Auto Insurance Coverage\n\n\nThis is arguably the most expensive \nvehicle insurance\n policy in the country today. Yet, more and more drivers get it each day. It continues to gain increasing popularity because of the wide coverage it offers your automobile. Besides offering all that you can get from the basic Third Party and Third Party, Fire and Theft policy combined, it also provides some special features unique to just this coverage type. Perhaps the greatest of these features is the fact that it covers the cost of repairs of your vehicle if it gets damaged as a result of an accident! This is a precious tool to have handy if your car is expensive or exotic and you can\u2019t afford to replace it just like that. However, as awesome as this policy is, it doesn\u2019t cover you in every single driving accident scenario. For example, a claim cannot be filed in the event of your death or bodily injury under this policy. Also, should any custom-fitted car accessory get damaged or stolen, this policy won\u2019t pay out to cover that expense.\n\n\nIf this video was helpful, leave us a Like and Comment down below! To see more amazing upcoming episodes from this Insurance360 video series, be sure to hit that Subscribe button and enable notifications. Catch you in our next video!\n\n\n\u00a0\n\n\nFincrew Official Youtube\n\n\nTags:\nComprehensive Coverage\nFire and Theft Cover\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/06/14/first-second-and-third-party-in-insurance-policy/", "title": "First, Second And Third Party In Insurance Policy", "body": "You might have encountered the term \u201c\nthird party\n\u201d in your insurance policy. Perhaps you are a new vehicle owner, and you are wondering what that describes and who would be first and second parties in that case. If you still haven\u2019t signed a policy, these terms can help you find your needs\u2019 best deal. Before you choose the desired package, it is vital to understand the area well. That is why we decided to dedicate the entire article to explaining these parties mentioned in \ninsurance deals\n. Here is what\u2019s their difference and how to categorize them!\n\n\n\n\nWho Is The First Party In A Car Insurance Deal?\n\n\nAre you the vehicle owner that signs the insurance and accepts the deal offered by the company? If the answer is yes, you are the first party in your policy. The first party is the person who is the policy (and usually car) owner and signs the agreement with the \ninsurance provider\n. You are one of the two parties that signs the deal, and your signature will usually be the first placed on the policy. That\u2019s why you are the \u201cfirst party.\u201d\n\n\nWho Is The Second Party In Vehicle Insurance Policies?\n\n\nThe second party is the other side, which signs the agreement with the policy owner. In the case of \ncar insurance policies\n, that will be the insurance companies. Although a responsible agent will sign in the company\u2019s name, the agency itself is considered the \u201csecond party.\u201d\n\n\nWho Is The Third Party In Car Insurance Deals?\n\n\nAs you might assume, the \nthird party\n in motor insurance is any other party that didn\u2019t sign the policy. That means those are all different people and property outside the signed agreement. Although these parties aren\u2019t included in the deal, the policy consists of them for multiple reasons. The third-party insurance policy is mandatory by the law, and all vehicle owners should have it. If the accident includes property or third-person damage, the policy will cover it. That can be important because it provides drivers peace of mind \u2013 even if something goes wrong and an accident occurs, you know that the insurance is there.\n\n\nDifference Between First-Party And Third-Party Insurance Claims\n\n\nThe insurance company will often have different policies available. That ensures users can pick the one that fits their needs. You can add different extras to your contract, but the primary difference is between a first and third-party \ninsurance claim\n. Here is an example situation \u2013 an accident happens, and a passenger in the other vehicle is injured. The third-party (passenger) then decides to file a \nclaim against your insurance company\n. It depends on your deal\u2019s specifics, but the agency should settle by covering all expenses mentioned in the \ninsurance policy\n signed with you.\n\n\nHowever, if you choose a first-party insurance deal, that means you can file a claim for the company to make up for the expenses on your vehicle, too. For example, let\u2019s say that your \ncar got damaged in that accident\n. You submit a claim against your insurance agency, and they should approve expense compensation. It\u2019s possible to include fire, \ntheft\n, and other additions in your \ninsurance policy\n. That is why you should learn more about potential deals since it will ensure that you sign the one that meets your expectations.\n\n\nTags:\nFirst Party Insurance\nInsurance Policy\nSecond Party Insurance\nThird Party Insurance\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/08/16/understanding-gharar-in-takaful/", "title": "Understanding Gharar In Takaful", "body": "Several principles must be adhered to when it comes to Islamic insurance or takaful, one of them being the avoidance of gharar. But what exactly is gharar, and what is its relationship to takaful? Have you ever heard of gharar before? Throughout this article, we will discuss the concept of gharar in detail and explain its significance in the context of takaful.\n\n\nWhat Is Gharar?\n\n\nIt is a term used in Islamic jurisprudence to describe a relationship\u2019s ambiguity, uncertainty, and deception. Generally speaking, it is considered haram (forbidden) in Islamic law because it can lead to unjust or risky \nfinancial\n transactions. The following are examples of gharar:\n\n\n\n\nThe act of selling something that does not exist\n\n\nThe sale of something without disclosing all of its defects\n\n\nSelling something without providing the buyer with enough information to decide on the purchase\n\n\n\n\nAvoid Gharar by ensuring that all parties clearly understand the risks and rewards. To achieve this, fully disclose the terms and conditions of a \ntakaful\n contract and ensure that it has open and transparent management.\n\n\nGharar In Traditional Insurance\n\n\nOne of the main reasons traditional insurance isn\u2019t compliant with Islamic law is because it involves elements considered gharar, which are against Islamic practice. Traditional \ninsurance policies\n, for instance, disclose several exclusions and conditions to the policyholder before the policy is issued. Further, there is no guarantee that they will pay the \nclaims\n, so the policyholder may only get what they expected when they file a claim. \nTakaful\n, on the other hand, is designed to be free of gharar by fully disclosing the terms and conditions of the contract and ensuring that all parties share the risks and rewards equally.\n\n\nHow Takaful Avoids Gharar\n\n\nThe Takaful system is based on cooperation and shared responsibility. A takaful scheme involves the participants pooling their funds together to create a collective fund to pay claims due to their participation. It means the risks and rewards are shared among all participants rather than being borne alone by one individual or \nbusiness\n. Additionally, Takaful companies must disclose all of the terms and conditions to their policyholders, including any exclusions or limitations that may apply. As a result, the policyholder can better understand the coverage they are purchasing and the risks that go along with it.\n\n\nThe Bottom Line\n\n\nGharar\n is one of the most critical concepts in Islamic jurisprudence. \nTakaful\n can avoid \ngharar\n and remain compliant with Islamic law because it discloses all the terms and conditions of the agreement and operates on the principle of cooperation and shared responsibility by providing complete disclosure of the terms and conditions of the contract. Thus, \nTakaful\n is becoming a more popular alternative to traditional insurance due to its numerous benefits.\n\n\nTags:\nGharar\nTakaful\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/09/02/car-insurance-company-refuse-to-insure-your-car-why/", "title": "Can Insurance Company Refuse To Insure Your Car, Why?", "body": "If a \ncar insurance company\n wants to earn money, it needs to attract clients and insure as many vehicles as possible. While profit is significant, an agency might estimate that a particular insurance deal comes with a risk so big that it\u2019s not worth it. Yes, a \ncar insurance company\n can refuse to insure your vehicle. But why would that happen? In this article, we are focusing on the most frequent reasons why an insurance agency might reject your application.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nYou Have a History of Not Paying on Time\n\n\nHave you already done \nbusiness\n with that \ninsurance company\n in the past, but they rejected your application now? If that is the case, the secret might lie in your payment history. Even if you missed paying on time because you honestly forgot, missing the deadline still counts. While most companies won\u2019t have a problem with this happening once or twice, a more extended history of late payments might cause rejection. The good news is that there is a way around this. Most insurance agencies will offer you to pay the complete premium right away so that they can provide car insurance.\n\n\nYour Vehicle Is Unique in Some Way\n\n\nThe car you drive might be different than the majority of vehicles that the particular company insures. If that is the case, they might be having problems \ncalculating the premium\n. That could end up with your application getting rejected. The two most common examples of unique cars include:\n\n\n\n\nA high-performance premium vehicle \u2013 you might be a proud owner of a car worth over $400,000. However, providing \ninsurance\n for your vehicle and covering expensive repairs might not be something that every company can handle. That is why you need to find an agency ready to insure high-valued vehicles.\n\n\nA classic car \u2013 these vehicles also have a high value, although their performance might vary. Either way, you need to find a company specializing in that type of vehicle. Not every insurance agency is willing to insure a classic car.\n\n\n\n\nPoor Traffic Record\n\n\nInsurance companies\n are ready to offer a no-claim bonus and other discounts to responsible drivers. However, if the driving history shows that they are dealing with an irresponsible user, they could reject their insurance application. Here is how a poor traffic record could lead to the insurance company refusing to insure your vehicle:\n\n\n\n\nYou caused multiple \nroad accidents\n \u2013 if you caused more than one major road accident, the insurance company will be very careful in choosing whether to accept the application. You can also expect higher premiums than usual.\n\n\nTraffic violations \u2013 a single speeding ticket won\u2019t be a problem, but ten of them could get you into trouble.\n\n\nOther Serious Offences \u2013 \ndriving under the influence\n (alcohol, drugs, etc.) is a major traffic offense. If you caused this on one or multiple occasions, your application might get declined.\n\n\n\n\nNo Driving License\n\n\nIf you don\u2019t have a \ndriver\u2019s license\n, it means you can\u2019t drive any car. A more frequent case is users who have their driver\u2019s licenses suspended. Most companies will consider these users a high risk, and some might even reject their \ncar insurance\n application\n.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nLies and Frauds\n\n\nAnother common reason for a \ncar insurance\n application\n rejection might be that you lied when applying for the policy. It could be a mistake, and you might have provided false information by accident. If that is the case, contact the \ninsurance\n company to sort everything out and get your policy. A more serious offense is committing \ninsurance\n frauds in the past. If the company finds that you tried to get away with fraud, they might reject your application.\n\n\nTags:\nInsurance Premiums\nRoad Accident\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/06/30/no-claim-discount-in-insurance-explained/", "title": "NCD (No Claim Discount) In Insurance", "body": "Have you ever pondered on what a \nNo Claim Discount (NCD)\n or a No Claim Bonus (NCB) is? Or the possibility of saving extra money on your car insurance if you didn\u2019t make any claim for the whole year? Find out this and lots more in this article.\n\n\nWhat is a No Claim Discount?\n\n\nA \nno claim discount\n is a decrease in the expense of your car insurance offered by your insurance firm if you didn\u2019t claim the term of the vehicle insurance policy. It is a reward to you for the cautious utilization of your vehicle. So, let\u2019s say you don\u2019t make a claim on your car for a year or two or five, you\u2019ll have the same amount of year(s) of \nno claim discount\n applied to the underlying expense of your car insurance.\n\n\n\n\nHow do I build my NCD?\n\n\nFor each year you\u2019re insured without \nmaking a claim\n, you\u2019ll get another year\u2019s \nNCD\n. You can gain a discount of up to 30 percent on a year\u2019s \ncar insurance\n costs. Following five years this could be as much as 60 percent. A few insurance companies offer quickened policies where you can procure a reward in 10 months instead of 12. You can build up a vast number of \nNCD\n; the more you abandon making a claim, the more your discount will be.\n\n\nIf I make a claim, what happens?\n\n\nOn the off chance that you make a claim on your policy where your insurer pays out, and the accident was your doing, you\u2019ll lose a few or the entirety of your discount. Be that as it may, if the accident isn\u2019t your doing, your insurer might have the option to reclaim the payout from the other car\u2019s insurer, and your \nNCB\n may not be affected. In situations where fault can\u2019t be agreed on, insurers may split the expense of the claims and the two drivers\u2019 \nNCB\n could be affected. This incorporates if your \ncar is stolen\n or harmed by an awful climate.\n\nIf you pay for another policy with a reduced NCB and it was later discovered you are not at fault, you can generally get your NCB restored and a discount on the additional premium you paid.\n\n\n\n\nWhat are the limitations?\n\n\nMost insurance firms take the last five years of continuous driving in your name into account while assessing the discount estimation of your NCD. The discount applies to the only policyholders, and not other \nnamed drivers on a car\n. Your NCD must be utilized on one vehicle, so if you have two vehicles, you cannot get this discount on a second \ninsurance policy\n except if the NCD on the subsequent car has been earned in its own right independently.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nTags:\nInsurance Claims\nInsurance Policy\nNo Claim Bonus (NCB)\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/02/05/auto-insurance-declaration-page/", "title": "Auto Insurance Declaration Page", "body": "To be able to drive legally and freely in the country, you need a functioning auto insurance policy. That said, it is possible that once obtained, you might experience a bit of a challenge understanding and interpreting a lot of the \u201cinsurance language\u201d you\u2019re very likely to come across. While your first impulse might be to get in touch with your insurance company or an \ninsurance\n agent immediately, there is one alternative you can always try first. What many insured parties do not know is that quite a lot of information is easily accessible to them through their auto insurance \ndeclaration page\n. Consequently, when you have a good idea of where to find this page and what it entails precisely, you\u2019ll discover that you\u2019ll be able to get most of the information you need with relative ease.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nMeaning Of Auto Declaration Page\n\n\nIn simpler terms, an \nauto declaration page\n is a document that comes with your auto insurance policy papers which contains relevant information of the policy package you took out. Usually, you can find quite a treasure trove of data here, ranging from:\n\n\n\n\nYour coverage limits,\n\n\nPolicy restrictions, and even\n\n\nThe contact details of your insurance company or agent.\n\n\n\n\nWhat to Expect in Your Auto Declarations Page\n\n\nWhile you may observe minor variations in the format and structure of the \nauto declaration page\n, depending on what insurance company you\u2019re dealing with, on the whole, this document usually contains the same information across the board. Some details you can expect to find on a typical \ndeclaration page\n include:\n\n\nYour Full Name And Full Data On Your Vehicle\n\n\nOne of the first things you\u2019re likely to come across on your declaration page would be your full name, contact and personal information, particularly if the \ninsurance policy\n was taken out in your name. Some other information you\u2019ll find on the document about you include,\n\n\n\n\nThe home or \nbusiness\n address the vehicle is registered to, and\n\n\nYour contact details.\n\n\nInformation on your vehicle will also be present here. Some things you can expect to see are,\n\n\nThe plate number of your car,\n\n\nYour vehicle identification number (VIN),\n\n\nThe make and specifications of your vehicle\n\n\n\n\nYour Insurer\u2019s Details\n\n\nAlso contained in here are your agents\u2019 full name and contact information. This information will always be present on your declaration page, even if you bought your policy over the internet. Where applicable, it will also highlight the physical address of your insurer. Should you ever need to make any adjustments or changes to your policy, or if you want to \nfile a claim\n for payout, this is where you go to find out who to talk to for that to happen.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nYour Insurance Policy Details\n\n\nAnother important thing you will find here is the exact details and nature of the insurance policy you took out. It will give you a precise analysis of virtually everything that concerns your policy, ranging from:\n\n\n\n\nThe date the policy began,\n\n\nThe date it will lapse,\n\n\nWhat losses you are insured against.\n\n\nWhat coverage limits you have,\n\n\nYour \ndeductible\n,\n\n\nThe amount you\u2019ll pay as premium, and\n\n\nAny discounts you might have access to.\n\n\n\n\nAll in all, your declaration page can be a convenient document to have. Please note that in some extreme cases, the information in your declaration page may be wrong. Should you happen to discover any such discrepancies, don\u2019t hesitate to bring this up with your insurer immediately and get it sorted out promptly.\n\n\nTags:\nDeclaration Page\nInsurance Policy\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/06/benefits-of-buying-insurance-online/", "title": "Benefits Of Buying Insurance Online", "body": "The digital age has simplified and made online shopping easier and faster. Insurance is no longer a process where an advisor will discuss your needs and suggest a plan even if you don\u2019t completely understand it. Increasing financial literacy and access to technology have allowed anyone to \nbuy insurance online\n, even those not financially savvy. Most insurance companies offer multiple plans online and a 24/7 helpline that helps choose the best plan without worrying about any drawbacks associated with traditional insurance purchases. If you are thinking about purchasing an insurance plan, you should consider an online purchase. Online \ninsurance\n purchases are convenient and cost-effective. The following are nine significant advantages of purchasing \ninsurance online:\n\n\nPaperwork Is Minimal\n\n\nInsurance policies purchased online require little paperwork. Many \nauto insurance\n companies offer policies online with no paperwork required. First, fill out a proposal form, and upload any necessary documentation to the insurance company\u2019s website. Due to this, online insurance is more convenient and protects the environment as you do not have to fill out numerous forms.\n\n\n\n\nInsurance Agents Are Not Necessary\n\n\nInsurance is available online without the involvement of an agent. When buying \ninsurance coverage\n online, you can effortlessly search the Internet for definitions of terms you don\u2019t understand and easily purchase the coverage.\n\n\nA More Economical Option\n\n\nThe cost of car insurance is lower when you purchase it online. The overall operational costs of insurance companies decrease when they operate online. Insurance \ncustomers can buy their policy online\n without the involvement of an agent. As a result, it reduces the expenses associated with paying a commission to an agent. As a result of a reduction in the insurer\u2019s operating costs, they can offer you car insurance at a much lower price.\n\n\nIt\u2019s More Convenient\n\n\nPurchasing \ninsurance online\n is more convenient than buying it offline. If you wish to buy a policy offline, you will need to meet with an insurance agent or visit a branch of an insurer. Alternatively, you can buy the best insurance in Malaysia online without even leaving your home.\n\n\nIssuance of Policies Instantly\n\n\nYou receive your policy almost instantly if you buy an insurance policy online. You won\u2019t have to wait days for your policy documents. Within minutes, your policy document is out from your \ninsurance provider\n. On the other hand, if you purchase insurance offline, you may receive your policy document within a few days of applying.\n\n\nEasy Online Comparison\n\n\nA significant benefit of \nbuying insurance online\n is the ability to compare different insurance policies. Finding the best insurance in Malaysia can be pretty confusing as various policies are available in the market. When \nbuying insurance online\n, you may compare coverage plans from different providers at comparison websites, such as www.fincrew.my. You can select your perfect insurance policy by comparing the various insurers\u2019 policy coverage, features, and premiums.\n\n\nChecking The Credibility Of The Insurer Is Easier\n\n\nIt is easier to determine an insurance company\u2019s credibility on the Internet than off the Internet. It is wise to check the company\u2019s website before buying an online insurance policy to determine how often it incurs \nclaims\n, its handling process, and how quickly they settle. To better understand the company, you may also want to read reviews from previous or current clients. You are better off considering this information before deciding on an insurance company. It can be very time-consuming and challenging to locate all these details offline.\n\n\nYou Access Your Cover Notes Anytime\n\n\nYour policy document is emailed to your registered email address when you purchase \ninsurance online\n. Your email saves the copy of your car insurance policy document for future use. You may lose the paper policy document sent to you under an offline policy purchase. However, when you purchase online, a soft copy of the policy document will be waiting for you even if the hard copy of the record is lost.\n\n\nEasy Endorsement Of Policies\n\n\nIt is easier to request an endorsement online than offline. Traditionally, you must submit details, endorsement forms, and other documents to your insurance company to get approval on your policy. The process is quite time-consuming and tedious. In the case of an online policy purchase, a self-declaration, along with proof, is a requirement for the changed details. The insurer will approve the endorsement.\n\n\nTags:\nAuto Insurance\nBuy Insurance Online\nOnline Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/18/malaysia-road-tax-guide/", "title": "Malaysia Road Tax Guide", "body": "Have you renewed the \nroad tax\n for your vehicle yet? Renewal of your \nroad tax\n can be a challenge sometimes. However, do not worry since Fincrew is here to help you with a checklist to ensure a smooth road tax renewal process.\n\n\nWhat Is Road Tax And Why Do You Have To Pay\n\n\nMalaysians must pay road tax and \nauto insurance\n before using their vehicles on public roads. Road tax increases with the size of a vehicle\u2019s engine. The expenses associated with maintaining the country\u2019s road network are covered by road tax. Keeping your road tax up to date will help you avoid paying any late fees. Do you know that you won\u2019t have to pay any penalty for renewing your road tax in Malaysia less than a year of its expiration date? You will, however, incur a penalty fee if you continue your road tax more than one year after its expiration date.\n\n\nWhat Is The Due Date For My Road Tax?\n\n\nGenerally, a vehicle\u2019s road tax is valid for one year and renewed annually. The JPJ Portal makes it easy to check the date of your road tax due if you cannot remember when it is due. Once you are at the website, you need to follow the instructions below:\n\n\n\n\nLook up Inquiry of Motor Vehicle \nLicense Expiration\n.\n\n\nChoose your ID. Choose a category (e.g., MyKad).\n\n\nEnter your Identification Number and Vehicle Registration Number.\n\n\nPlease click the submit button.\n\n\n\n\nYou can find details like the commencement and expiry dates of your road tax and the date of expiration of your insurance through the portal. As a result, you won\u2019t forget to \nrenew your road tax\n.\n\n\n\n\nHow Much Should I Pay For Road Tax?\n\n\nThere are a few factors that determine how much the road tax costs in Malaysia:\n\n\nVehicle Engine Cubic Capacity / Liter\n\n\nThe greater the engine size, the greater the amount. It is due to Malaysia\u2019s outdated tax system. We assume that multiple engines/displacements emit more pollution in our current \nroad tax calculation\n. Therefore, the owners of big cars have to pay a higher premium for their polluting vehicles.\n\n\nLocation\n\n\nMalaysians living in East Malaysia (Sabah and Sarawak) pay a lower road tax than their counterparts in Peninsular Malaysia. The purpose is to compensate for the poor quality of the roads, which is not on par with Peninsular Malaysia. Because of Sabah and Sarawak\u2019s poor road conditions and physical characteristics, residents prefer vehicles with more significant engine displacements to navigate the challenging terrain. The JPJ/Road Transport Department reduced road tax rates to compensate for poor road quality.\n\n\nType Of Use\n\n\nPrivate or Company\n\n\nType Of Vehicle\n\n\nSaloon: Sedan / Hatchback / Coupe / Wagon / Convertible\n\nNon-Saloon: MPV / SUV / Pick-ups / Commercial\n\n\nHow To Renew Road Tax?\n\n\nWe have the same question when it comes to renewing our road tax. It is essential to follow these steps to obtain the best results.\n\n\n1. Confirm The Expiration Date Of The Insurance And The Road Tax\n\n\nBe sure you know your road tax expiration date before renewing your road tax. It is essential to get the exact date to avoid unforeseen complications during the renewal process.\n\n\n2. Bring Your Vehicle Grant Along With You\n\n\nVehicle grants or registration certificates contain a wealth of information about a vehicle, including the model year, production year, \nengine cubic capacity\n, etc.\n\n\n3. Make Sure There Are No Summonses On Your Vehicle\n\n\nThe first thing you need to do is settle any warrant backlog. It occurs because you cannot \nrenew your road tax\n if there are any pending summons.\n\n\n4. Find Out The Worth Of Your Car On The Market\n\n\nTo obtain adequate \ninsurance coverage\n, you should check the current market value of your vehicle.\n\n\nTags:\nJPJ\nMalaysia Road Tax\nRoad Tax\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/11/07/legal-liabilities-to-passengers-lltp-insurance-coverage/", "title": "Legal Liabilities To Passengers (LLTP) Insurance Coverage", "body": "Driving anywhere in the world (and in Malaysia particularly) comes with its fair share of responsibility. Knowing what these duties are and what is expected of you can help you properly prepare for what\u2019s ahead. Being an active or even passive driver in the country, you probably already know how crucial basic vehicle \ninsurance\n coverage is and why you need it. Moving further, however, there are some other essential facets of auto insurance coverage you may not be as familiar with. One of these is \nLegal Liabilities to Passengers\n \nLLTP\n or LLNP for short.\n\n\nWhat Are Legal Liabilities To Passengers?\n\n\nIn very elementary terms, \nLegal Liabilities To Passengers\n or \nLLTP\n can be defined as a sort of special coverage you can take on in addition to your typical \nauto insurance\n coverage. The purpose of this particular addition is to protect you in the event of legal liabilities raised by your passengers should you be involved in an accident that resulted from your actions. While this scenario might seem a bit extreme, it happens more often than you might think. Consequently, it is always ideal for making provisions for this.\n\n\n\n\nWhy You Need To Get Legal Liabilities To Passengers (LLTP)\n\n\nOn the surface, taking on the extra coverage that Legal Liabilities To Passengers offers might seem unnecessary. After all, if you\u2019re a driver who already has comprehensive \ninsurance coverage\n, you\u2019re likely already protected for it, right? Wrong!\n\n\nWhile a \ncomprehensive policy\n certainly covers a lot of scenarios, it doesn\u2019t extend to protecting you from legal liabilities suffered from your own passengers. Your policy states this fact succinctly in section B of your \nauto insurance\n coverage document. In other words, assuming you had friends or acquaintances in your vehicle and got involved in an accident through your own fault, should the victims sue you and you don\u2019t have Legal Liabilities To Passengers coverage, that \nexpense\n will have to be covered out of your own pocket. Do you see why getting Legal Liabilities To Passengers mightn\u2019t really overkill now? Wait, there\u2019s more!\n\n\nAre Legal Liabilities To Passengers Policy Coverage Compulsory?\n\n\nThe answer to this question depends on where you plan to drive. While countries like Singapore demand that you take that additional coverage before you can drive around uninhibited, Malaysia allows drivers to ply the roads freely without Legal Liabilities To Passengers. However, looking beyond the legal aspects of whether you must have Legal Liabilities To Passengers or LLTP as a driver or not, there are certain variables that need to be put into consideration. For instance, even though you won\u2019t be getting any monetary reward or compensation for transporting friends and colleagues from one place to another, it is still your legal responsibility to ensure that they are safe from the moment you pick them up to when you drop them off. So by extension, if something were to happen to them during the period that they were in your care, they gain the right to sue you to court, particularly when they feel that the accident was your fault. From this perspective, getting LLTP almost becomes a necessity.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nKey Takeaway\n\n\nNo one would ever wish to find themselves in any of the unpleasant scenarios described above. Be that as it may, it always pays to be at the ready and prepare for every eventuality. Generally speaking, LLTP/Legal Liabilities To Passengers usually costs no more than 25% of what you pay as premium for your basic Third-Party \nInsurance policy\n. So get in touch with your insurer and check out their LLTP/Legal Liabilities To Passengers policy today!\n\n\nTags:\nLegal Liabilities To Passengers\nLLTP\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/07/15/is-there-car-insurance-with-unlimited-coverage/", "title": "Unlimited Coverage With Car Insurance", "body": "People often ask this question a lot- Is there any \ncar insurance\n with \nunlimited coverage\n? This is a good question, and I will help answer it and explain the different \ncar insurance\n packages you can go for. Every vehicle owner is required to purchase automobile insurance before the vehicle can be put on the road. Though there are certain circumstances when an \ninsurance company can refuse to insure you because of several reasons\n.\n\n\nDoes Auto Insurance Come With Unlimited Coverage?\n\n\nThe simple answer is NO. Let me explain why\u2013\n\n\nMost \ninsurance\n companies will not offer unlimited auto car insurance because they might not be able to fulfill it. Sounds ridiculous right, OK let\u2019s think about this scenario. Imagine that the Military is transporting some thermonuclear warheads on a truck to bring them to a service point in a city. Now a driver that supposedly has \u201cunlimited\u201d \nauto insurance\n happens to be at the wrong place at the wrong moment and crashes the car against the truck carrying the thermonuclear warheads.\n\n\n\n\nThey fall off and explode. A whole city was destroyed. How serious do you think is the damage? Five, ten, twenty trillion dollars? Do you think there is an insurance company on earth that can balance a five, ten, twenty trillion dollar check? Maybe not. This is because the word \u201cunlimited\u201d stands for \u201cwithout limits,\u201d so irrespective of the damage caused, the company will be ready to cater to it. As such, insurance companies will not offer such coverage because they do not have unlimited funds. This might even be regarded as against the rules of fair competition and probably illegal. Of course, \ninsurance companies\n can offer remarkably high coverage and different packages, but \nunlimited coverage\n might not seem right.\n\n\nWhich Auto Insurance Package can I go for?\n\n\nBasically, in Malaysia, there are three types of auto \ninsurance packages\n available-\n\n\n\n\nThird-party coverage,\n\n\nThird-party fire, and \ntheft\n coverage,\n\n\nComprehensive\n coverage.\n\n\n\n\nThird-Party Coverage\n\n\nA Third Party Cover is the least expensive among the three offered \ncar \ninsurance\n packages. It\u2019s the most basic and insures you against any injuries or deaths caused to the third party (basically that\u2019s everyone else aside from you and your insurance company) and loss or damage to the third party property caused by your vehicle. You should note that this policy doesn\u2019t cover you for any damages to yourself or your car.\n\n\nThird-Party, Fire and Theft Coverage\n\n\nA Third-Party, Fire, and Theft policy is pricier than a Third Party Cover but cheaper than a Comprehensive Cover. Third-party \nfire and theft\n cover work just like a third-party cover. This policy protects you against \nclaims\n by a third party, be it bodily injuries or death, but with the added coverage of damages from your vehicle\u2019s fire and theft. It allows you to file for a \nclaim if your car suffers fire damage or gets stolen\n.\n\n\nComprehensive Coverage\n\n\nThe third package, Comprehensive \nCar Insurance\n, covers a broader range of protection. With a Comprehensive Cover, you get the same coverage as in a \nThird Party\n, Fire, and Theft policy, but it also covers damages done to your car. You should note that Comprehensive Cover is not for everyone, as this policy is only available to vehicles that have not exceeded a certain age.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nTags:\nComprehensive Coverage\nFire and Theft Cover\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/03/what-is-a-secured-loan/", "title": "What Is a Secured Loan?", "body": "A \nsecured loan\n is by collateral. Several options are available, and many pose a lower risk to lenders than \nunsecured loans\n, so they are easier to qualify. Nevertheless, secured loans are not without risk. For example, if you cannot repay what you borrow, it could hurt your credit rating.\n\n\nCheck your company eligibility & apply business loan online.\n\n\nWhat Are Secured Loans?\n\n\nThese are \nloans\n which require collateral as a condition of borrowing. Banks can request collateral if the funds are for buying a specific asset or if your \ncredit score isn\u2019t good enough for an unsecured loan\n. A \nsecured loan\n may offer borrowers lower interest rates because it is a less risky investment for lenders. However, the interest rates on fast loans can be higher, including loans provided to people with bad credit and short-term instalment loans.\n\n\nUnderstanding Secured Loans\n\n\nWhether a \nloan is for personal use\n or \nbusiness\n use, it can be secured or unsecured. \nUnsecured loans\n do not require collateral. Instead, the lender considers your credit score and \nfinancial\n history before approving your loan. In contrast, secured loans require collateral. Moreover, a secured loan\u2019s collateral can sometimes be an asset to the applied money. For example, if you\u2019re purchasing a home, the house serves as a guarantee for the loan. The same goes for a car loan. A secured loan works on a simple principle. To encourage borrowers to repay their loans on schedule, lenders accept collateral against secured loans. But, ultimately, the threat of losing your house or car due to not paying back the loan is one of the most potent motivators.\n\n\nCompare Personal Loan In Fincrew\n\n\nWhenever you apply for a secured loan, the lender will ask what kind of collateral you will provide as security for the loan. If you find it hard to repay the loan, the lender may place a lien on the collateral. When the lender does not receive full payment, the lien remains active. Upon lifting the lien, the borrower regains ownership of the collateral. The lender can sell secured loan collateral if the borrower defaults. It covers any losses incurred by the lender. Because of this, fast loan borrowers should know what assets to consider to be collateral and weigh the value of those assets against a possible lien or collateral loss if the loan defaults.\n\n\nTypes Of Secured Loans\n\n\nA secured loan can take many forms, but the three most common types of fast loans are financial consumer loans, requiring appropriate collateral before approval.\n\n\nMortgage Loans\n: The most common secured loan is the mortgage loan. The lender considers such loans \u201csecured\u201d because the borrower pledges their house as collateral. The borrower may lose the home if they do not pay back the secured loan. In this case, the house goes into foreclosure, and the borrower fails the home.\n\n\nVehicle Loans\n: As the vehicles are used as collateral to secure the loan, secured loans include auto loans, \nauto service loan\n, boat loans, motorcycle loans, and even private aeroplane loans. A lender may repossess your car if you fail to repay the secured loan, just like you would with a mortgage.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nSecured Credit Cards\n: These are an excellent option for consumers with no credit history who want to build their \ncredit scores\n. In contrast to a mortgage or loan with collateral, secured \ncredit cards\n usually require a cash deposit. Card users who fail to pay their monthly bills may have the cash deposit withdrawn from their accounts and applied to the invoice.\n\n\nCompare and apply for the best credit cards\n\n\nGetting a Secured Loan\n\n\nSecured loans are available through banks, credit unions, or online lenders. However, it is essential to remember a few things when comparing secured loans. These include:\n\n\n\n\nWhat kind of collateral is needed to ensure the loan\n\n\nAnnual Percentage Rate for the loan and interest rate\n\n\nWhether interest rates on loans are fixed or variable\n\n\nFees charged by the lender, for example, origination fees or prepayment penalties\n\n\nLoan amounts: maximums and minimums\n\n\nIncome and credit requirements for the loan\n\n\n\n\nFinal Thought\n\n\nIt\u2019s wise to compare loan rates with different lenders to get an idea of what a secured loan will cost. In addition, you can reach them using an online platform like FinCrew to estimate the amount of interest paid and the monthly payments. If you consider a secured \nbusiness loan\n, check the personal guarantee requirements. You don\u2019t want to be surprised by this practice, even though it\u2019s familiar with secured and unsecured \nbusiness loans\n. Alternatively, you may ask your credit card company if you can have your secured credit card converted to an unsecured card later on and have your security deposit refunded to you if you have a secured credit card.\n\n\nTags:\nAnnual Percentage Rate\nMortgage Loans\nSecured Credit Cards\nSecured Loan\nUnsecured Loans\nVehicle Loans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/10/20/what-to-do-after-your-car-gets-stolen/", "title": "Steps To Take When Your Car Gets Stolen", "body": "Whether you bought a new vehicle recently or have been driving it for years, it is a valuable asset. You take good care of it, but you also need to consider protecting it against theft. The statistics indicate that the number of vehicle thefts has been increasing since 2001. What would happen if your \ncar gets stolen\n? If that happens, you must remain calm. Here is a detailed guide on how to act in these situations!\n\n\nMake Sure It Is Actually Stolen\n\n\nYou might think this sounds redundant, but confirmation is necessary. First, make sure that is where you last parked your car. Next, check if your family members or roommates took the vehicle. Once you are sure that your vehicle was stolen, call the police right away. Try to give as many details as possible, including:\n\n\n\n\nWhen did you notice the car went missing?\n\n\nHow much time was it parked there?\n\n\nDid you leave any valuable belongings in the vehicle?\n\n\n\n\nYou can ask around for potential witnesses, but the police will check on CCTV cameras if there are any.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nCan I File a Claim with My Insurance Company?\n\n\nCar insurance\n companies provide theft protection as part of their policies. However, please note that it is a part of a comprehensive plan that involves third-party theft and fire cover. That means \ntheft\n protection needs to be a part of your policy to qualify for claiming. Another thing to consider is that the \ninsurance company\n will analyze the details of the theft. They might check the police report and also ask you about the details. Your claim will be denied if you willingly gave the keys to someone. That could be your friend who betrayed you and took the vehicle or a valet you trusted to wash your car. Either way, it counts as the owner\u2019s negligence, and the \ninsurance company has grounds to deny the claim\n.\n\n\nHow Much Money Will You Receive?\n\n\nAfter \napproving your claim\n, the insurance company will determine two details:\n\n\n\n\nSum Insured\n \u2013 that is the maximum compensation sum specified in the \ninsurance deal\n.\n\n\nVehicle\u2019s market value\n \u2013 the car\u2019s value estimation at the time you lost it. It is determined by assessing the values of vehicles of the same age, model, and make. The assessment won\u2019t include additional accessories you installed on the car, such as an entertainment center or an audio system.\n\n\n\n\nPlease note that the insurance agency will pay the lower of these two sums. That is why you should avoid under-insuring your car, especially if you live in a city with a high theft risk. The company will offer a settlement sum, and you can choose whether to accept it. You have the right to file an appeal. The most common reason for appealing is that the company didn\u2019t appraise the market value realistically. When you send an appeal and include ads, newspaper clippings, and any other details that could help prove that they are wrong.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhat If the Car Gets Recovered?\n\n\nThe \ntheft claim\n process could last up to six months (that is the insurance agency\u2019s deadline to send a settlement offer). During that time, the police might recover your car. If that happens, you can withdraw the \ntheft claim\n. For cars that suffered damage due to the theft, you have the right to pursue a damage claim.\n\n\nTags:\nFire and Theft Cover\nInsurance Claims\nSum Insured\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/04/why-do-insurers-have-exclusions/", "title": "Why Do Insurers Have Exclusions?", "body": "Risk mitigation is at the heart of \ninsurance coverage\n. Individuals and small businesses can use insurance as a means of protecting themselves against \nfinancial\n loss, but insurance companies have interests of their own to protect. Typically, insurance policies will include \nexclusions\n based on this so that they don\u2019t cover every scenario. They are interested in insurance exclusions, and why do insurance companies exclude \nexclusions\n from their policies? Here\u2019s the answer.\n\n\nWhat Are Insurance Exclusions?\n\n\nA policy exclusion provides a way for an insurer not to cover certain risks, such as an unexpected loss. It is a way to restrict the scope of coverage for risks they are unwilling to protect. As a result, policy exclusions contribute to the overall definition of the policy. What is the reason? Ultimately, it would help if you kept in mind that an insurance company is a business. Events are covered; many insurers would be discouraged from entering the market or remaining excluded. So, what are the reasons for exclusions?\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nReasons For Insurance Exclusion\n\n\nUse exclusions for various reasons in insurance policies, but most relate to the risks listed below.\n\n\nA Cataclysmic Event\n\n\nCatastrophic events make certain risks uninsurable. War is an example. Your commercial property \ninsurance coverage\n does not cover a bomb destroying your business property in a war situation. Military action and war are almost universally not included in property insurance policies.\n\n\nIf Previously Covered By Another Policy\n\n\nIn many cases, the exclusions are risks covered by one policy from another. For example, a general liability policy excludes \nauto liability\n claims from coverage since a \ncommercial auto policy\n covers them. Workers\u2019 compensation insurance covers any benefits an employer must pay under workers\u2019 compensation laws. Liability and auto policies exclude benefits payable under workers\u2019 compensation laws.\n\n\nMaintenance Of a Car Or Property\n\n\nWear and tear, for example, are excluded because they are natural occurrences and controlled by the policyholder. Both physical damage coverages for commercial properties and autos exclude wear and tear-related damages. Also, prevent rust, corrosion, and insect infestations risks through regular maintenance.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nDeliberate Actions\n\n\nBusinesses and people purchase insurance to protect themselves from misfortune, accidents, and other unforeseen circumstances. In such cases, most policies won\u2019t cover the losses if the insured deliberately causes the damage. For example, suppose a driver experiences road rage and deliberately drives into another vehicle. In that case, their \nauto insurance\n policy probably will not cover the damage to the insured\u2019s car, even if it has comprehensive coverage. In another example, if a contractor deliberately damaged a client\u2019s property to evade payment, the provider wouldn\u2019t cover the impact.\n\n\nIllegal Actions\n\n\nMany policies do not cover crimes, law violations, and deliberately caused injuries against public policy. Due to this, liability policies do not cover claims arising from the insured\u2019s deliberate, harmful acts such as firing a gun. As the first \nstep in evaluating an insurance claim\n (under any policy), an insurance company determines if the event caused the loss is fair to count as an \u201coccurrence.\u201d A claim will not be counted as an occurrence most of the time if a crime is underlying it.\n\n\nExceptions To Exclusions And Buybacks\n\n\nIn many exclusions, there is a limit of coverage given back. An example of this exclusion is the contractual liability exclusion in a general liability policy, which exempts the company from liability under a contract. In some instances, there is an exclusion, which requires coverage for liabilities assumed under an \ninsured contract\n (as described in the policy). You can remove a few exclusions if you are willing to pay an additional premium. For example, the standard general liability policy excludes injuries caused by employees against each other. In many cases, \nbusinesses\n purchase coverage for co-worker claims.\n\n\n\n\nTags:\nExclusions\nInsurance Coverage\nInsurance Exclusions\nLegal Liability\nLiability Cover\nOccurrence\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/01/17/using-a-personal-loan-to-pay-off-credit-card-debts/", "title": "Using a Personal Loan To Pay Off Credit Card Debts", "body": "Many people use personal loans for different reasons \u2013 whether to pay off medical bills or buy an RV \u2013 but consolidating credit card debt may be the most common. You can eliminate the need to make multiple monthly payments on high-interest credit cards by obtaining a personal loan to settle your debt-often at lower interest rates.\n\n\nCan Personal Loan Can Help You Pay Off Credit Card Debt?\n\n\nPaying your credit card debt using a \npersonal loan\n is a form of debt consolidation, and it has several benefits. The following are three reasons to take out a \npersonal loan\n to pay off your credit card debt:\n\n\nYou Can Pay Off All Your Credit Card Debt\n\n\nYou can eliminate credit card debt with a personal loan if you have high credit card balances. You will gain \npeace of mind\n by paying off your credit card debt and improved credit score. It is important to remember that repaying your debt with a personal loan is not the same as becoming debt-free. Your \nloan\n still needs to be paid off after you repay your credit cards. Paying off your high-interest \ncredit card\n balances, and saying goodbye to the fees that come with it, can feel like a huge relief and is one of the most significant advantages of paying off the debt with a personal loan.\n\n\nYour Interest Rate Will Probably Be Lower\n\n\nThe average credit card APR is around 16 per cent in the current market. However, many of the best personal loan rates hover at about 6 per cent. Although your actual interest rate depends on factors such as your \ncredit score\n, the amount you wish to borrow, and the terms of your loan, there is a good chance that you will pay less for a personal loan than you would for a credit card. Using your loan to pay off your credit card debt could save a lot of money in interest charges by taking out a loan with a lower interest rate than you\u2019re paying on your credit cards.\n\n\nYou Will Only Have One Payment Per Month\n\n\nIt can be challenging to balance multiple credit card payments each month. Consolidating your debt with a personal loan makes it easier to pay one monthly bill. If you do this, you will be able to \nplan for your monthly loan payment\n, which will expedite your repayment process.\n\n\nDon\u2019t forget: The more money you put toward your loan payments per month, the more you\u2019ll save in interest fees over time.\n\n\nFinal Thought\n\n\nPaying off your \ncredit card debt\n through a personal loan can help you regain control of your finances. Nevertheless, personal loans aren\u2019t the only option for people seeking to repay \ncredit card debt\n. Another good way to consolidate credit card debt is to use a balance transfer credit card. Weigh all options before applying for a loan. You should ensure the personal loan you are considering has lower interest rates than your credit cards, and you should consider a plan for paying off your loan without increasing your credit card debt.\n\n\nTags:\nBalance Transfer\nCredit Card Debts\nCredit Cards\nPersonal Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/02/15/car-insurance-discounts/", "title": "Car Insurance Discounts", "body": "A big part of driving safe and being financially prudent is operating a \ncar insurance\n policy. Taking out an automobile insurance policy means that you never have to worry about paying out-of-pocket when your car breaks down or suffers a fire accident. \nCar insurance\n policies also protect you even to the point of covering your costs if your vehicle gets stolen or damaged beyond repair. No doubt, there are several unique benefits to \nhaving the right car insurance\n. However, one major discouraging factor with \ninsurance\n is the cost. Taking out insurance policies on your vehicle or vehicles can be a bit cost-prohibitive. Luckily, there are several discount policies you can leverage to reduce some expenses that come with taking insurance.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nSome Car Insurance Discounts Available Include\n\n\nDiscount For Taking Defensive Driving Lessons\n\n\nIt may surprise you to know that many \ninsurance companies\n offer up to 15% discount if you possess a defensive driving lesson certificate from a registered driving school. This certificate entitles you to discounts in several areas such as:\n\n\n\n\nPersonal injury\n\n\nCollision\n\n\nLiability\n\n\n\n\nDiscount for Accident-free Driving Record\n\n\nMany insurance companies offer different levels of discounts for good drivers. Usually, this particular discount is automatically applied and factored into the \ninsurance policy\n as you take it out. However, in some instances, you may not automatically qualify for this policy, but given time, you may be able to access it when next you renew your policy. Keep in mind that the standards for qualifying for this discount will differ between \ninsurance policy\n providers.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nDiscount For Low Mileage And Vehicle Usage\n\n\nOne of the main factors that determine how expensive an insurance policy gets is the level of a perceived risk that the insurance company associates with it. If your \ninsurer estimates that extending your coverage\n is a high risk, your premium will reflect this. The less mileage and use you make of your car regularly, the less risk you are at. Insurance companies acknowledge this fact and as such offer discounts for drivers with low mileage.\n\n\nMultiple Vehicles Insurance Discount\n\n\nIf you have more than one automobile you would like to take out insurance on; you could be entitled to a discount feature as high as 25%. This discount is spread across the multiple vehicles that you\u2019ll be insureing and can go a long way in helping you save some significant costs. Ideally, many insurance companies demand that the vehicles being insured are owned by people with direct ties such as marriage or blood. However, you can readily find insurers who will offer you coverage, regardless of the absence of these specific relationship ties.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nDiscount For Customer Loyalty\n\n\nYet another discount you can look forward to is the customer loyalty discount. The insurance world is a very competitive space. As such, insurers will do all that they can, within reason to keep existing customers. This discount is one of the ways that they appreciate their customers, as well as encourage them to continue doing \nbusiness\n with the company. There are so many discount policies you can take advantage of to reduce what you pay for your insurance. To find the time to look through the available options to find the ones you\u2019re entitled to and can readily access.\n\n\nTags:\nCar Insurance\nCar Insurance Discounts\nMultiple Vehicles Insurance Discount\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/11/can-i-buy-insurance-before-purchasing-a-car/", "title": "Can I Buy Insurance Before Purchasing a Car?", "body": "\n\n\n\nUsually, people who concern themselves with auto \ninsurance\n issues are individuals who own a vehicle. It leads us to ask questions like;\n\n\n\n\nCan people who do not own automobiles secure car insurance?\n\n\nIs it legal?\n\n\nWhat do you have to do to get \ncar insurance\n successfully without owning a vehicle?\n\n\n\n\nIf you do not have a car and you are looking to get \ninsurance\n, then you are in luck! There are easy ways for you to \nbuy auto insurance\n without having a vehicle. But, you need to make sure you put a lot of things in place to ensure that. Getting insurance without a car is not only possible; it is easier than a lot of people know. The secret to it is ensuring that you go in fully prepared and armed with specific, helpful information. To start with, when planning to secure auto insurance before buying a car, the very first thing you need to do is.\n\n\nConfirm The Specific Vehicle You Plan On Purchasing\n\n\nAs you probably know, the make, model, and specifications of a vehicle significantly factor into its \nauto insurance\n. Due to this, you have to be very careful and make sure that you confirm the car\u2019s details thoroughly. Failure to do this might result in your having to pay some hefty cancellation fees if you don\u2019t end up purchasing the vehicle for any reason. So, to get started,\n\n\nChoose The Vehicle You Want To Purchase\n\n\nIt would help if you were as detailed as possible about the car you want to buy when taking out your policy. To that end, the more specific you are, the better.\n\n\nPrepare An Agreement To Purchase The Vehicle\n\n\nAt this point, what you need to do is make sure you seal the deal as tightly as possible. You need to make sure you iron out details like price, liens, and vehicle history.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nUse The Vehicle Data To Buy the Insurance\n\n\nNext, you\u2019ll also need to get important information like the Vehicle Identification Number handy when getting that \nauto insurance policy\n. After this, the one last thing to do is find an \nauto insurance provider\n with a policy that works for you and sign up with the details you\u2019ve acquired! And that\u2019s all you need to know about getting coverage before buying that car!\n\n\nTags:\nAuto Insurance\nCar Insurance\ninsurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/02/08/jenis-jenis-pelindungan-insurans-kenderaan/", "title": "Jenis-jenis Pelindungan Insurans Kenderaan", "body": "Polisi \ninsurans kenderaan\n akan melindungi pemilik kenderaan daripada liabiliti kewangan sekiranya berlaku kemalangan jalan raya dan juga musibah lain seperti kecurian dan juga kebakaran. Sesuatu \npelindungan insurans\n itu akan bergantung kepada polisi yang anda pilih. Terdapat tiga jenis pelindungan asas bagi \ninsurans kenderaan\n. Mari kita lihat apa yang mereka tawarkan dan pelan mana yang paling sesuai mengikut keperluan anda.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nInsurans Kenderaan Pihak Ketiga\n\n\nPolisi motor\n pihak ketiga merupakan pilihan pertama yang tersedia untuk sesiapa yang ingin menginsuranskan kenderaan mereka. Seperti namanya, pelan ini akan melindungi anda sekiranya berlaku kerosakan harta benda dan juga kecederaan kepada pihak ketiga. Jika anda \nterlibat dalam kemalangan jalan raya\n, polisi ini akan memberikan \npelindungan kewangan\n untuk sebarang kecederaan atau kerosakan yang dialami oleh pihak ketiga. Walaupun ini merupakan polisi yang paling murah, perlu diingatkan ianya hanya akan memberikan pelindungan yang penting sahaja. Kenapa anda perlu memilih pelan ini: Polisi motor pihak ketiga merupakan satu idea yang paling baik untuk pemandu yang tidak menghabiskan banyak masa memandu kenderaan mereka.\n\n\nInsurans Kenderaan Pihak Ketiga, Kecurian Dan Kebakaran\n\n\nPolisi insurans jenis ini agak rumit sedikit kerana ia memberi pelindungan bagi pelbagai kemungkinan. Berikut merupakan cara pelan insurans ini akan melindungi anda:\n\n\n\n\nKerosakan harta benda dan kecederaan pihak ketiga \u2013 Jika anda terlibat dalam kemalangan, sebarang liabiliti untuk pihak ketiga yang terlibat akan dilindungi oleh pelan ini.\n\n\nKebakaran \u2013 Jika berlaku kebakaran yang bukan disebabkan oleh anda, di mana kereta anda mengalami kerosakan, polisi ini akan melindungi anda.\n\n\nKecurian \u2013 Kecurian kenderaan merupakan satu perkara biasa, jadi polisi ini akan memberikan ketenangan fikiran. Ia menawarkan pelindungan kewangan sekiranya kenderaan anda dicuri.\n\n\n\n\nWalaupun tidak begitu menyeluruh, pelan ini menawarkan pelindungan yang lebih baik berbanding dengan polisi asas insurans pihak ketiga. Kenapa anda perlu memilih pelan ini: Ini merupakan pilihan terbaik untuk mereka yang mahukan pelindungan daripada kecurian dan kebakaran, tetapi tidak mahu pelan yang paling mahal.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nInsurans Kenderaan Komprehensif\n\n\nSeperti juga namanya, pelan komprehensif ini menawarkan pelindungan secara menyeluruh kepada pemilik kenderaan. Jika anda memilih pelan ini, ia merangkumi kedua-dua pihak iaitu pihak ketiga dan juga kenderaan anda yang terlibat dalam kemalangan tersebut. Anda juga boleh memohon pampasan untuk masa di mana anda tidak menggunakan kenderaan anda itu. \nPolisi insurans motor\n komprehensif ini juga turut menawarkan \npelindungan kewangan\n untuk kes kecurian dan kebakaran. Syaratnya, kebakaran tersebut adalah akibat kemalangan dan anda tidak dipertanggungjawabkan atas kecurian yang berlaku itu. Kenapa anda perlu memilih pelan ini: Ia menawarkan pelindungan menyeluruh, menjadikan ianya sesuai untuk pemandu yang memandu kereta mereka setiap hari.\n\n\nManakah Insurans Kenderaan Yang Terbaik Untuk Anda?\n\n\nWalaupun segalanya bergantung kepada keputusan anda, \ninsurans kenderaan\n komprehensif akan menawarkan pelindungan yang lebih menyeluruh. Anda juga boleh menyesuaikan polisi anda dengan mengambil pelindungan tambahan. Ini termasuklah premium berikut:\n\n\n\n\nKemalangan diri \u2013 Ia akan memberikan pelindungan kecederaan kepada anda atau penumpang.\n\n\nPampasan untuk tempoh pembaikan yang dianggarkan \u2013 Jika anda tidak menggunakan untuk suatu tempoh tertentu, anda mungkin berhak untuk mendapatkan pampasan.\n\n\nCermin depan \u2013 Cermin hadapan anda mungkin pecah tanpa sebab yang jelas. Jika ini berlaku bukan disebabkan oleh kemalangan jalan raya, tambahan ini akan memberikan pelindungan kewangan.\n\n\nLiabiliti penumpang di sisi perundangan \u2013 Pihak ketiga mungkin akan \nmembuat tuntutan\n terhadap anda kerana kecederaan yang disebabkan oleh penumpang di dalam kenderaan anda. Sebagai alternatif, penumpang anda mungkin akan menuntut anda atas kerosakan yang mereka alami dalam kemalangan tersebut. Anda akan mendapat pelindungan kewangan sekiranya ini berlaku.\n\n\nBanjir \u2013 Jika kenderaan anda mengalami kerosakan akibat banjir, anda akan menikmati pelindungan kewangan.\n\n\n\n\nTags:\nInsurans Kenderaan\nInsurans Kenderaan Komprehensif\nInsurans Kenderaan Pihak Ketiga\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/07/16/prevent-rejection-of-car-insurance-claim/", "title": "Prevent Rejection Of Car Insurance Claim", "body": "When your car insurance policy gets rejected, you lose all the perks of the policy. It can be frustrating, disappointing, and can affect your bank balance. \nInsurance\n is a kind of risk management that offers select promises based on specific terms of the contract. It is usual for you to feel offended if your insurer does not live up to the pledge of claim settlement. However, you should know that many times insurance companies do have genuine reasons for \nrejecting a claim\n. It is your responsibility to ensure specific precautionary steps are done to get the appropriate incentives from your insurer without any hassle. Here are a few points to help you prevent the rejection of your \ncar insurance claim\n.\n\n\nPrevent Consequential Loss\n\n\nConsequential loss arises when you try to run the \ncar after an accident\n, thereby aggravating the vehicle\u2019s damages. It is the most significant error you might be making because it is a consequential loss. So, for instance, if your car crashes into flooded water, and you try to start the engine, this will only worsen the situation. If water gets into the engine or fuel system, it\u2019ll damage every single component inside the car, and it can cause a \u2018hydro lock.\u2019 In this case, your insurer will pay only to cover the initial damage caused by the water and not the hydro lock damage. This damage will be classified as consequential damage; your insurer will not cover its costs and reject the claim.\n\n\nReport A Claim At The Earliest Time\n\n\nThere is a deadline before which you can \nmake a claim\n. Insurers follow a stringent process if a customer wants to \nfile for an insurance claim\n, as it needs to be done as swiftly as possible. If you delay more than the predefined time to \nmake a claim\n, there are chances your insurer may not consider your application.\n\n\nInform Your Insurer About All Upgrades\n\n\nOne of the reasons \ncar insurance claim\n get rejected is that the insurance company is not aware of the car\u2019s upgrades. Remember when you took the policy, you gave your insurance company the car\u2019s specifications, and your policy cover is based on these specifications. But after some time, you got an upgrade. Let\u2019s say you installed a CNG kit in your car. Your insurer may reject your claim if the fuel type on your car insurance policy does not match your car\u2019s actual fuel type. So it would be best if you informed your insurer about all kinds of upgrades done on the vehicle.\n\n\nDon\u2019t Break The Law\n\n\nYour insurance company will honor your claim only when accidental damage has occurred. When you violate the law, it becomes almost impossible for your insurer to follow through because your intentions are not in the best interest of you or those around you. As a result, your claim will be rejected.\n\n\nInform Before Repair\n\n\nDon\u2019t send your vehicle for repairs without informing your insurance company to get approval. Your claim might be rejected if you do this because your car will be inspected to know the magnitude of damage it has suffered after an accident. Your \ninsurance company\n will give an estimated quote of the expenses related to fixing this damage. Your claim may be rejected if you repair your car without cross-examination by your insurer.\n\n\nTags:\nCNG Kit\nHydro Lock\nInsurance Claims\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/12/19/learn-how-insurance-companies-handle-hit-and-run/", "title": "Learn How Insurance Companies Handle Hit And Run", "body": "It\u2019s not pleasant to find yourself in any car accident. However, most vehicle owners agree that the worst incidents are those where the party responsible flees from the scene. Unfortunately, that happens, and it\u2019s vital to understand your rights in those situations. Here is how \ninsurance\n companies deal with hit and run cases and what steps to take!\n\n\nHit And Run \u2013 Basic Overview\n\n\nThe first thing that comes to mind when you encounter a \nhit and run\n is when a driver hits you from behind with their vehicle and then drives away. That\u2019s an example of the classic \nhit and run\n. However, this accident category refers to ALL incidents where the party who caused them flees the scene without identifying themselves. You don\u2019t even need to be in the car. Perhaps, you parked the car, and someone hit you while you were at another location. The reason why perpetrators resort to escaping might be only that they panicked. However, it might be that they don\u2019t have valid documents, or they have a record of past crimes and don\u2019t want the police to track them. Finally, it could be that they want to avoid paying for the damage.\n\n\nWhat Should You Do If You\u2019re A Hit And Run Victim?\n\n\nThe first thing is not to panic and confirm there is no one injured in the accident. If an opportunity arises, try to check out the perpetrator or their vehicle. You might remember the license plates or at least a car model or color. Any detail might help in the investigation later, which is why you can also talk to other people at the scene. Did anyone notice what happened and can confirm your story? Perhaps someone saw and remembered the license plates or further details of the perpetrator? It might happen that you weren\u2019t in the vehicle when they hit you. In those situations, the person might leave their phone number for you to call. That\u2019s reasonable, especially if the damage isn\u2019t significant. They might be in a rush, and they do not deny the responsibility. So, give them a call, and you could resolve the matter quickly.\n\n\nWhat to Do When There Are No Details Of The Perpetrator?\n\n\nUnfortunately, some hit and run accidents occur without anyone noticing them. If that happens, you have the choice to file for a \nNo Fault Claim\n with your insurance company. Please note that this is a subcategory of \nOwn Damage Claims\n, but it\u2019s specific because it doesn\u2019t take away your \nNo Claim Discount\n. Meantime, take photos of the car to focus on the damaged sections. Are there any dents or scratches? Make sure to document everything, and don\u2019t forget to look for potential witnesses.\n\n\nThe next step is to file a police report, and you should do that immediately. The deadline is 24 hours, but you don\u2019t want to risk the other party going there first and making up a different story. If you have any details, you can provide them to the police. That will make it easier for them to find a potential perpetrator. Next, contact your \ninsurance company\n. You want to file the \nNo Fault Claim\n as soon as possible. The police report will serve as evidence, and you\u2019ll also need a Claim Application and some other documents. The \ninsurance\n agents will let you know the details, so you can file the claim correctly. From there, you\u2019ll probably need to wait for the results of the police investigation, which means you\u2019ll need the patience to resolve the matter.\n\n\nTags:\nHit And Run\nNo Claim Discount\nNo Fault Claim\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/25/actual-cash-value-in-business-insurance/", "title": "Actual Cash Value In Business Insurance", "body": "Essentially, \nactual cash value\n (ACV) is how much your stolen or damaged property is worth after a covered loss is over. It is imperative to understand real cash value so that \nbusiness insurance\n companies can determine how much should be paid by a policyholder after a covered loss. It will cover your home\u2019s structure, typically at replacement cost if your dwelling insurance policy limits are met, but your other possessions aren\u2019t the only ones to insure. Many policyholders choose to opt for the replacement cost feature instead. Our goal in this article is to explain \nactual cash value\n, how it\u2019s calculated, and how it differs from replacement cost.\n\n\nWhat Is An Actual Cash Value?\n\n\nThe actual cash value represents the amount needed to replace a property once depreciation is taken into account. Typically, it is similar to what you would receive if you sold the property before damage or loss. Imagine, for example, that you bought a new laptop for your web development business for RM3,000 and used it for two years before it was damaged. The cash value of replacing the computer would likely be significantly less than what you originally paid. When deciding how much to reimburse you based on an actual cash value commercial property insurance policy, your insurance company will consider the expected service life of the laptop and how long you used it.\n\n\n\n\nHow Do Insurers Determine The Actual Cash Value Of A Policy?\n\n\nThe actual cash value is determined by determining the replacement cost of an item and removing depreciation. Insurance companies assign an object a lifetime to calculate depreciation and determine what percentage of that lifetime is left. The replacement cost is multiplied by the rate to get the item\u2019s actual cash value. As soon as you \nfile a claim\n, an insurance adjuster will get involved to determine how much it will cost to pay your claim. When you opt to value your covered items at their actual cash value, your insurer will estimate the cost of replacing your lost or damaged item with a similar thing and then subtract the reduction in value due to depreciation. Imagine your two-year-old laptop is stolen, and you have a policy based on actual cash value. Two years ago, a similar laptop cost RM2,000, but today it costs RM2,500. According to your \ninsurance provider\n, a computer has a useful life of five years, so the stolen laptop has 60% remaining of its useful life. The cash value is calculated by multiplying the replacement cost by 60%. It amounts to $1,500 as the actual cash value of the laptop.\n\n\nComparison Of Actual Cash Value And Replacement Cost\n\n\nIf you are looking for commercial business insurance, you should weigh the pros and cons of actual cash value versus replacement cost. Depreciation is taken into account in the actual cash value. The replacement cost is determined by how much it would cost to replace the property without accounting for depreciation. For instance, a digital marketing agency might purchase its office furniture in 2020 for RM3,000, but today\u2019s value of a similar setup is RM4,000, so replacement value \ninsurance\n would be worth RM4,000. In contrast, the actual cash value of the insured property is different in that it includes the expected service life of the property. If the furniture purchased for RM3,000 has a service life of 10 years, its value after depreciation will be RM1,500 five years after being purchased (50% of the purchase price).\n\n\nFinal Thought\n\n\nThe purpose of actual cash value insurance is to provide a fair value valuation by accounting for the initial cost and depreciation. Having real \ncash value insurance\n has a downside in that it doesn\u2019t cover as much as replacement cost insurance should you need to replace something. Generally, buying actual \ncash value insurance\n is advisable if you have a restricted budget. If you have a larger budget, replacement cost insurance is most recommended.\n\n\nTags:\nActual Cash Value (ACV)\nBusiness Insurance\nCommercial Business Insurance\nDepreciation Value\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/10/adakah-berkahwin-akan-mengurangkan-kos-insurans-auto-anda/", "title": "Adakah Berkahwin Akan Mengurangkan Kos Insurans Auto Anda?", "body": "\n\nSetiap pemilik kenderaan sentiasa akan mencari jalan untuk mempengaruhi apa yang mereka bayar untuk insurans. Sekiranya berpeluang, ramai pemandu mahu berpindah ke kawasan yang lebih selamat dan cuba untuk memandu jarak yang lebih pendek. Lokasi serta jarak pemanduan merupakan dua faktor yang memang diketahui akan mempengaruhi premium \ninsurans kenderaan\n anda. Tapi, adakah status perkahwinan anda juga mempengaruhi pelindungan anda? Jika ya, bagaimana dan kenapa perincian seperti ini relevan?\n\n\nHai, dan selamat datang ke episod hari ini dari Siri Video Insurans360! Saya duta jenama Fincrew Yuna, dan pada rancangan hari ini, anda akan mengetahui bagaimana \npelindungan insurans\n anda berubah sebaik sahaja anda berkahwin. Siri Video Insurans360 akan terus memberikan penerangan mengenai aspek-aspek yang belum diketahui dalam dunia insurans kenderaan di Malaysia. Jadi, jika anda ingin mengetahui bagaimana untuk menjadi lebih bijak dan mendapatkan pelindungan yang lebih baik, pastikan anda tekan ikon \u2018Subscribe\u2019 saluran kami, supaya anda tidak terlepas /update\u2019 berharga dari kami! Sekarang, setelah semuanya tersusun, mari kita teruskan.\n\n\nPerkara pertama yang perlu anda tahu ialah berkahwin adalah sangat mempengaruhi apa yang anda bayar untuk insurans selain faktor usia. Sekarang, anda mungkin sudah tahu mereka yang lebih muda perlu membayar lebih untuk \ninsurans auto\n. Ini kerana mengikut statistik mereka lebih cenderung untuk \nterlibat dalam kemalangan\n. Begitu juga, pelbagai kajian menunjukkan bahawa mereka yang telah berkahwin kurang potensi untuk terlibat dalam kemalangan kenderaan. Insurans adalah mengenai mengira risiko dan juga liabiliti. Sebab itulah banyak \nsyarikat \ninsurans auto\n akan memeriksa sama ada anda telah berkahwin sebagai tambahan kepada sejarah pemanduan anda. Oleh sebab pasangan berkahwin kurang terlibat dalam kemalangan kenderaan, banyak \nsyarikat insurans\n selalunya akan menawarkan anda diskaun yang lebih besar jika mereka mengetahui anda telah berkahwin. Terdapat banyak teori berlegar-legar tentang kenapa mereka yang sudah berkahwin kurang terlibat dalam kemalangan. Beberapa kajian menunjukkan bahawa mereka yang berkahwin lebih cenderung untuk kurang memandu berbanding orang bujang, Namun yang lain percaya, ini kerana mereka yang telah berkahwin lebih stabil.\n\n\nWalau apa jua keadaannya, jumlah yang meyakinkan ini menunjukkan bahawa individu yang masih belum berkahwin lebih cenderung untuk terlibat dalam kemalangan. Sebenarnya, \ndiskaun\n untuk mereka yang berkahwin sangat luas sehingga pemandu muda di bawah umur 25 tahun juga dapat menikmatinya. Lebih-lebih lagi jika pasangan tersebut memiliki rekod pemanduan yang baik, mereka boleh menggabungkan polisi mereka untuk mendapatkan diskaun insurans kereta berganda yang lebih baik! Sudah tentu perkara sebaliknya akan berlaku jika pasangan tersebut mempunyai dakwaan dalam rekod pemanduan mereka. Sekarang, anda mungkin tertanya-tanya, jika berkahwin memberi kesan positif kepada insurans kenderaan anda, adakah penceraian juga akan memberi kesan kepada polisi anda? Jawapannya, ya!\n\n\nAnda bukan sahaja akan kehilangan diskaun perkahwinan anda secara automatik, tetapi diskaun kenderaan berganda yang anda nikmati juga akan ditarik balik. Sekiranya perpisahan tersebut memerlukan anda untuk berpindah lokasi, anda mungkin perlu menjangkakan apa yang anda perlu bayar untuk insurans akan terus meningkat. Akhirnya, walaupun banyak faedah bagi diskaun perkahwinan pada insurans auto anda tidak cukup untuk mengikat perkahwinan, jelas bahawa diskaun ini boleh mengurangkan apa yang perlu anda bayar untuk \npelindungan insurans\n.\n\n\nDan, itu saja! Jika anda menikmati video ini, sila tinggalkan tanda \u2018Like\u2019. Juga \u2018Subscribe\u2019 ke saluran kami dan jangan lupa untuk mengaktifkan notifikasi untuk terus mengikuti semua episod yang akan datang dari Siri Video Insurans360 ini! Terima kasih kerana menonton!\n\n\nTags:\nDiskaun Insurans\nInsurans Auto\nKos Insurans Auto\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/12/09/insure-a-car-without-driver-license/", "title": "Can I Insure A Car Without Driver\u2019s License?", "body": "\n\n\n\nDue to one reason or the other, you might find yourself needing to take on an auto insurance policy for your vehicle in the absence of a license. Are you wondering if it\u2019s possible to get insurance without a valid \ndriver\u2019s license\n in the country? Would you like to find out how to go about it? All you have to do is sit back and keep watching this video! Hello and welcome to yet another episode of the \nInsurance360 Video Series\n! Today, I\u2019ll be talking you through how to get a fully operational \ninsurance\n package for your automobile without a license in quick, easy steps! I\u2019m Stella, Fincrew brand ambassador and thanks for joining us today. Get everything you need to know about automobile insurance at your fingertips! Just click on that Subscribe icon and enable notification settings so you can view everything in our \nInsurance360 Video Series\n!\n\n\nNow that you\u2019ve done that, let\u2019s get started. A \ndriver\u2019s license\n is a big part of getting auto insurance in Malaysia. One major reason for this is because any \nauto insurance company\n requires this information to research your driving history. If they don\u2019t have it, then they can\u2019t estimate the potential risk they\u2019re taking on with your driving. By extension, this means that they may experience a little difficulty evaluating what you\u2019ll pay a \npremium for your insurance\n. For this reason, finding an insurer that will offer you coverage in the absence of a driver\u2019s license is a bit challenging. It\u2019s challenging, but not impossible. Some insurers will still extend your coverage even when you don\u2019t have a valid driver\u2019s license. These insurers account for the fact you mightn\u2019t have a license due to factors like using a chauffeur or having an existing medical condition. To that end, if you want to get coverage from these providers, you can do so using any of the following channels.\n\n\nName Someone Else as the Primary Driver\n\n\nYou can simply buy the policy under the name of another individual. This works best if the person you\u2019ll be using,\n\n\n\n\nLives at your address,\n\n\nIs related to you, and\n\n\nPossesses a valid driver\u2019s license\n\n\n\n\nHowever, depending on your potential insurer\u2019s exact requirements, the person filling for you as the primary driver may not have to meet all the demands just mentioned. Still, in line with this approach, you could buy the policy and list yourself as an excluded driver. Many \ninsurance providers\n are usually open to this. You have to remember that should you get involved in an accident while driving, you won\u2019t receive any payout to cover the resulting expenses.\n\n\nList a Licensed Driver As Vehicle Co-Owner\n\n\nAlternatively, you could take out the policy and then list someone with a valid driver\u2019s license as the vehicle\u2019s co-owner. On many levels, following this approach may prove more convenient for you than the previous option.\n\n\nOperate a Parked Car Policy\n\n\nIf you have an exotic or expensive \ncar parked\n in your garage that you simply MUST take on an \ninsurance\n, you can work out an arrangement where your insurer drops other coverage but still insures your vehicle against theft, fire and damages. Essentially, these are the most common ways you can insure your vehicle without possessing a driver\u2019s license. So what do you think of possessing cars without a driver\u2019s license? Would you have done it? Let us know more in the comments section below. Don\u2019t leave without giving us a Like and hitting the Subscribe button. Enable notifications, too! See you again!\n\n\nTags:\nAdditional Driver\nCar Insurance\nDriver's License\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/02/01/bolehkah-insurans-auto-membayar-untuk-kos-membaiki-kereta/", "title": "Bolehkah Insurans Auto Membayar Untuk Kos Membaiki Kereta?", "body": "\n\nTerima kasih kepada peraturan yang telah ditetapkan, setiap pemilik kenderaan di negara ini mempunyai sekurang-kurangnya satu pelindungan insurans auto atau lebih. Tapi apakah yang sebenarnya dilindungi oleh polisi ini? Adakah semua polisi insurans yang diambil merangkumi \nkos membaiki kereta\n anda? Kami akan membincangkan isu yang kurang jelas dalam \ninsurans auto\n ini secara meluas pada hari ini!\n\n\nSetiap pemilik kenderaan tahu bahawa pembaikan kereta akan selalu berlaku. Itulah satu satu dugaan memiliki dan mengendalikan kenderaan. Mempunyai polisi yang merangkumi \nkos membaiki kereta\n pastinya lebih baik. Ia akan mengurangkan beban kewangan untuk menaggung perbelanjaan yang tinggi. Anda hanya boleh mendapatkan satu daripada tiga \njenis \ninsurans auto\n di Malaysia Anda sama ada mendapat:\n\n\n\n\nPerlindungan \nPihak Ketiga\n\n\nPerlindungan Pihak Ketiga, Kebakaran dan Kecurian atau\n\n\nPerlindungan Komprehensif\n\n\n\n\nMari kita lihat pelan-pelan perlindungan ini:\n\n\nPerlindungan Pihak Ketiga\n\n\nIni merupakan polisi pilihan bagi kebanyakan pemandu di negara ini. Ia terkenal kerana harganya yang murah dan memenuhi syarat asas undang-undang bagi mendapatkan insurans kenderaan. Seperti namanya, ia hanya melindungi pemilik kenderaan dari beban kewangan yang meliputi pembaikan dan bil perubatan ke atas kenderaan, harta benda dan juga individu dari pihak ketiga.\n\n\nPerlindungan Pihak Ketiga, Kebakaran Dan Kecurian\n\n\nSeperti pelindungan asas Pihak Ketiga, anda akan dilindungi sepenuhnya untuk semua kerosakan yang menimpa individu lain. Tapi, dengan polisi Pihak Ketiga, Kebakaran dan Kecurian, anda juga akan menikmati kelebihan untuk tidak perlu mengeluarkan duit poket sendiri jika kereta anda menjadi mangsa kebakaran atau kecurian.\n\n\nPerlindungan Komprehensif\n\n\nPolisi ini pada dasarnya turut melakukan perkara yang sama dengan pakej Pihak Ketiga, Kebakaran dan Kecurian. Salah satu peningkatan yang besar dari pakej sebelum ini adalah kos pembaikan kenderaan anda akibat kemalangan akan ditanggung asalkan anda tidak bersalah. Berdasarkan penjelasan ringkas mengenai pelbagai \njenis pelindungan\n yang tersedia untuk pemandu, anda dapat melihat dengan jelas bahawa jika anda mengambil polisi asas Pihak Ketiga, anda tidak dapat mengharapkan sebarang bayaran untuk pembaikan kereta anda.\n\n\nJika anda menggunakan pelindungan Pihak Ketiga, Kebakaran dan Kecurian, anda tidak perlu menanggung kos pembaikan sekiranya kenderaan anda mengalami kerosakan. Ini tentunya untuk kerosakan yang disebabkan oleh kecurian atau kebakaran sahaja. Anda perlu membayar sendiri jika kerosakan berlaku akibat seperti masalah lusuh atau pelanggaran. Anda mempunyai lebih banyak kebebasan dari mengambil berat tentang pembaikan kereta anda bila menggunakan polisi insurans Komprehensif. Anda berhak mengemukakan tuntutan jika kereta anda rosak dalam kemalangan kenderaan dan anda tidak bersalah. Bagaimanapun, anda masih tidak akan dilindungi jika anda perlu membaiki kereta tersebut akibat lusuh. Akhirnya, kaedah terbaik untuk memastikan sama ada anda dinsuranskan untuk pembaikan kereta atau tidak adalah dengan membaca cetakan polisi anda. Ia secara terperinci menjelaskan semua keadaan di mana anda berhak mendapat bayaran daripada syarikat insurans\n\n\nTags:\nInsurans Kenderaan\nKebakaran Dan Kecurian\nPerlindungan Komprehensif\nPerlindungan Pihak Ketiga\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/01/11/travel-insurance-for-cruise-trip/", "title": "Travel Insurance For Cruise Trip", "body": "The reality of a dream vacation seldom matches our fantasy: palm trees swaying in the breeze, plated meals served at whim, toes pointing toward the horizon on a sun-soaked day at sea. This vision does not consider missed flights, lost bags, or medical emergencies. The reality is, even when you try to get away from it all, life has a way of getting in the way. There are many ways to get peace of mind while on a cruise. Still, a well-tailored cruise \ntravel insurance\n policy is virtually always a brilliant idea, according to industry experts. The approach ensures not only your financial investment but also can help you access quality medical care on the road and cover unforeseen expenses if anything goes wrong. This guide to \ntravel insurance\n for cruises explains all you need to know to choose a policy easily. This way, you can easily plan for those future afternoons on the lido deck.\n\n\nCruise insurance: What Does It Cover?\n\n\nCruise insurance offers a variety of benefits and coverage options, much like most insurance policies. The more help you add, the more the policy costs, though you may want to check all the boxes to maximize your coverage. Almost all cruise insurance policies cover your travels before and during your cruise, as well as any medical issues you might face at sea. A \ncruise insurance policy\n, for instance, will protect you against canceled or delayed flights. Cruise \ninsurance policies\n offer additional coverage, benefits, and limits in exchange for a higher premium. Your cruise policy may also allow you to cancel your cruise for any reason, as well as provide higher limits on medical expenses, lost or delayed baggage, and emergency evacuation costs.\n\n\n\n\nHow To Choose The Best Cruise Insurance\n\n\nA good travel insurance policy is imperative whether it\u2019s your first cruise or you\u2019ve taken many. Travel medical expenses, trip interruption, and trip cancellation are the most common \nclaims\n filed by cruise passengers. You\u2019ll probably need these types of coverage in your \ncruise insurance policy\n:\n\n\nTrip cancellation insurance\n: With this policy, you are refunded 100% of your prepaid and non-refundable deposits if you need to cancel for a reason.\n\n\nTrip interruption policy\n: This covers unused trip costs at 100, 150, or 200% of the original amount if you must cut short your trip because you\u2019re ill, injured, or die.\n\n\nEmergency medical expenses\n: Cover any injuries or \nillnesses\n sustained during the trip. Travel insurance policies can cover medical expenses in unexpected accidents or illnesses. For example, jellyfish stings from snorkeling excursions or antibiotics in the event of a nasty disease such as strep throat.\n\n\nEmergency medical evacuation cover\n: This helps pay for the cost of getting you to the nearest hospital or back home if necessary.\n\n\nCancel for any reason cover\n: Non-covered cancellations will not be covered unless you have purchased cancellation for any reason coverage. It reimburses you 50% or 75% of trip costs and allows you to cancel the trip at any time.\n\n\nWhere To Buy Cruise Travel Insurance\n\n\nExperts recommend finding an independent, third-party insurer instead of the cruise line\u2019s policy. A travel insurance policy from an independent insurer is typically more comprehensive than one purchased through a cruise line. Purchasing a \ntravel insurance policy\n from a company like Fincrew Insurance can offer some extra benefits like emergency medical care, which may not be available under protection plans offered by cruise lines.\n\n\n\n\nWhen To Buy Cruise Travel Insurance\n\n\nYou should purchase travel insurance when you have booked your cruise. If anything goes wrong before you depart, you will have the most significant window of protection. In some cases, independent insurers can cover preexisting medical conditions at no extra charge-but only if the policy is purchased within 14 to 30 days of the first payment. If you get into an accident and break your leg, for example, you can\u2019t purchase a policy afterward, but you can buy standard travel insurance up to 24 hours before departure. The cancellation for any reason policy must be between 14 and 21 days after you make your initial trip deposit.\n\n\nTags:\nCruise Travel Insurance\nTravel Insurance\nTrip Cancellation Insurance\nTrip Interruption Policy\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/01/29/bagaimana-polisi-insurans-motor-melindungi-anda/", "title": "Polisi Insurans Motor", "body": "Adakah anda sedang merancang untuk membeli kereta baharu? Anda juga terfikir adakah mendapatkan \npolisi insurans motor\n merupakan langkah yang terbaik? Ini bukan soal \ninsurans kenderaan\n diwajibkan oleh undang-undang atau tidak. Ini mengenai pelindungan kewangan serta faedah lain yang bakal diperoleh daripada \npolisi insurans motor\n. Tujuan utama mendapatkan \ninsurans kenderaan\n adalah untuk memberikan pelindungan kewangan sekiranya kenderaan anda terlibat dalam kemalangan. Bergantung kepada pelan yang anda pilih, anda mungkin akan mendapatkan pelindungan kewangan untuk perkara berikut:\n\n\n\n\nTuntutan kecederaan dan kematian pihak ketiga \u2013 Kenderaan anda terlibat dalam kemalangan yang disebabkan oleh kecuaian pihak ketiga. Jika mereka yang bersalah, anda akan mendapat pelindungan kewangan untuk kecederaan tubuh badan dan juga kematian.\n\n\nKerosakan harta benda pihak ketiga \u2013 Adakah pihak lain menyebabkan kerosakan terhadap kenderaan anda atau kenderaan mereka? Jika ya, anda boleh membuat tuntutan terhadap syarikat insurans. Bergantung kepada siapa yang menyebabkan kemalangan, tuntutan boleh dilakukan terhadap anda atau syarikat insurans pihak satu lagi.\n\n\nKerosakan harta benda sendiri \u2013 Sekiranya kenderaan anda mengalami kerosakan, anda boleh membuat tuntutan \u2018No Fault Own Damage\u2019 (NFOD) dan juga tuntutan untuk kesalahan sendiri. Tahap pelindungan kewangan yang diberikan mungkin berbeza-beza.\n\n\nTuntutan kebakaran dan kecurian \u2013 Adakah kenderaan anda dicuri? Adakah kenderaan anda rosak akibat kebakaran atau apa-apa sahaja bencana alam?\u00a0 Motor polisi akan memberikan perlindungan kewangan kepada anda untuk kes-kes seperti ini.\n\n\n\n\nUntuk mendapatkan \npelan insurans kereta\n, anda boleh memilih satu satu daripada tiga jenis pelindungan ini:\n\n\n\n\nPihak ketiga\n\n\nPihak ketiga, kebakaran dan kecurian\n\n\nKomprehensif\n\n\n\n\nJoin Fincrew Official Telegram Channel\n\n\nPerlindungan Tambahan\n\n\nBerikut merupakan beberapa perlindungan tambahan yang boleh anda masukkan ke dalam \npolisi insurans\n motor:\n\n\n\n\nLiabiliti undang-undang kepada penumpang \u2013 Bagaimana jika penumpang atau orang lain di dalam kenderaan lain membuat tuntutan kepada anda kerana kecederaan mereka?\n\n\nPampasan untuk tempoh pembaikan yang dianggarkan \u2013 Anda mungkin tidak dapat menggunakan kenderaan anda itu untuk sementara waktu. Ini akan menampung perbelanjaan anda sepanjang tempoh tersebut.\n\n\nCermin hadapan \u2013 Jika cermin pecah dan bukan diakibatkan oleh kemalangan jalan raya.\n\n\nBanjir \u2013 Jika kereta anda rosak akibat banjir, anda akan dilindungi.\n\n\n\n\nKetenangan Fikiran\n\n\nAkhir sekali, ketenangan itu tidak boleh dibeli. Ia mungkin bukan cara terbaik untuk menggambarkan bagaimana polisi insurans motor ini akan melindungi anda. Tetapi ianya sangat penting. Memiliki pelan \ninsurans kereta\n akan membantu anda untuk tidur lena. Ini memang benar apatah lagi jika bukan anda seorang yang akan memandu kenderaan tersebut. Sekiranya berlakunya kemalangan, anda akan berasa lega kerana syarikat insurans akan menanggung kos pembaikan yang perlu. Ini akan memastikan keluarga anda tidak menghadapi masalah kewangan yang teruk akibat daripada kemalangan itu.\n\n\nBagaimana Pula Jika Anda Yang Menyebabkan Kemalangan?\n\n\nTidak ada siapa pun yang sempurna. Anda mungkin menyebabkan kemalangan semasa anda memandu. Adakah kejadian yang tidak diingini itu merosakkan harta benda orang lain? Jika ini berlaku, memiliki polisi insurans motor mungkin akan memberikan beberapa pelindungan untuk mengelakkan anda kehilangan semua yang anda miliki disebabkan tuntutan mahkamah. Polisi insurans motor yang komprehensif akan membolehkan anda untuk membuat tuntutan kerosakan terhadap syarikat insurans anda.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nJika anda terlibat dalam kemalangan, penting untuk anda berada dalam keadaan tenang. Apabila tiba sahaja masa untuk berbincang mengenai kerosakan kenderaan, adalah sesuatu yang kurang bijak untuk menawarkan pembayaran atau penyelesaian dengan segera. Sebaliknya, utamakan apa yang diwajibkan oleh undang-undang terlebih dahulu seperti membuat laporan polis atau mengisi borang pemberitahuan kemalangan untuk dihantar kepada syarikat insurans. Untuk memfailkan sebarang tuntutan secepat yang mungkin, pastikan anda menyelesaikannya sebelum tarikh akhir yang telah ditentukan oleh undang-undang atau syarikat insurans anda.\n\n\nTags:\nInsurans Kereta\nKomprehensif\nNo Fault Own Damage\nPolisi Insurans\nPolisi Insurans Motor\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/03/02/ways-to-identify-a-loan-scam-and-the-best-steps-to-take-if-involved-in-a-scam/", "title": "Ways To Identify a Loan Scam And The Best Steps To Take If Involved In a Scam", "body": "Money is in short supply, so understandably, people keep exploring various ways to access funds. However, \nscammers\n have taken to capitalizing on this and duping unsuspecting Malaysians. There\u2019s been a significant rise in cases like this since the pandemic. If you want to keep yourself safe, here are some quick ways to identify \nscammers\n you should know.\n\n\n1. They Request An Upfront Fee For Loan Application\n\n\nIn Malaysia, it\u2019s against the law for a lender to ask you for an upfront fee before you can access a \nloan\n. This rule always applies, regardless of your \nCredit Score\n. So, you always watch out for red flags on platforms or individuals requesting an upfront fee (no matter how small) for \u201cprocessing\u201d your \nloan\n.\n\n\n2. They Request The Details Of Your Credit Or Debit Card\n\n\nSuppose any loan provider asks for your credit or debit card information; walk away as fast as possible. They\u2019ll probably say that they want to use this information to verify your data and will credit your account as soon as they\u2019ve confirmed it\u2019s you. However, this is usually a ploy to withdraw your money or empty your bank account.\n\n\n3. You Suddenly Get a Personal Loan You Didn\u2019t Apply for\n\n\nSome people suddenly get a call that they\u2019ve qualified for a \npersonal loan\n with super-low interest rates that they didn\u2019t even apply for in the first place. In other instances, they may even tell you that you\u2019ll be getting a loan amount higher than what you initially put in for. In either case, this is a clear warning sign that you aren\u2019t dealing with legitimate lenders, so break off communication as soon as possible.\n\n\n4. You Get Unbelievable Loan Deals\n\n\nIs a loan provider you\u2019re talking to now promising a guaranteed approval rate? Or are they saying the loan comes with 0 interest rate? If the answer to all the questions is yes, then you\u2019re probably dealing with a scammer. Don\u2019t forget that, ultimately, loans are \nbusiness\n enterprises. So, if a lender is promising you loan schemes they aren\u2019t benefiting from in one way or the other, then something\u2019s wrong.\n\n\nWhat Do I Do If Involved In a Scam?\n\n\nIf the worst has happened, don\u2019t panic. Just follow these steps:\n\n\nContact The Police\n\n\nFraud or scamming is a criminal offense, so file a police report to let the authorities know you\u2019ve been a victim. Be sure to include every detail in the message, so the police have a higher chance of catching the culprit.\n\n\nSee a Financial Advisor\n\n\nIf you lost a significant amount of money in the process, be sure to see a \nfinancial\n advisor so they can walk you through the recovery process.\n\n\nLet People Know\n\n\nIt is the best way to ensure people don\u2019t go through what you\u2019ve just experienced. It can even lead to catching scammers, too, so don\u2019t be shy to tell your story, even if it\u2019s only on social media!\n\n\nConclusion\n\n\nTo be safe than sorry, deal with only tested and trusted loan providers. It goes a long way to ensure your financial safety.\n\n\nTags:\nFinancial Advisor\nLoan Application\nLoan Scam\nPersonal Loan\nScam\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/28/managing-a-startup-company-during-pandemic-period/", "title": "Managing a Startup Company During Pandemic Period", "body": "While the business industry is constantly in a state of flux, the advent of the COVID-19 \npandemic\n made the terrain even more tumultuous. It affected various niches across multiple industries. However, one of the niches that were most affected was the tech space. Under how it has always been, the IT space requires a level of coming together and understanding for projects to complete quickly without sacrificing quality. But, with the lockdown protocol instituted all over the country, following the standard method of operation is essentially impossible. To understand more of this space that has been surviving in light of recent developments, we decided to interview Mr. Farah, the head of a tech startup, to share how he has been handling these changes.\n\n\nHere Is How The Conversation Transpired\n\n\nInterviewer\n: Good day, Mr. Farah. Could you introduce us to your \nbusiness\n?\n\n\nMr. Farah\n: Thank you very much. I\u2019m glad to be having this conversation. My tech company, SUPERIOR DIGITALS, specializes in creating e-commerce platforms and mobile apps for businesses. We also provide high-end tech solutions for companies looking to expand their presence online.\n\n\nInterviewer\n: Can you share the process of how you came about this idea and the impact the \npandemic\n has had on your business operation so far?\n\n\nMr. Farah\n: Well, \nbusinesses\n are always looking for new and different ways to make a profit. And, as everyone knows, the future is digitalization. I thought that by creating a platform that \nbusinesses\n can stand on to tap into the potential of the Internet, I could help them achieve this. Before the pandemic, things moved quite smoothly, and there was a constant demand for our services. We were looking into expanding when the pandemic hit. While the pandemic has increased in the type of services we offer, the unique situation of working from home means that we can\u2019t meet clients\u2019 demands with a reliable level of consistency. It is because the work pace has slowed down considerably from what it used to be. That is until we made specific changes.\n\n\nInterviewer\n: Mr. Farah, what can you say is the biggest challenge of working through this pandemic?\n\n\nMr. Farah\n: The truth is, in the past few months, there have been several of those. But perhaps the greatest is the fact that most of my staff had to work from home, instead of the office space. Due to this, it became increasingly difficult to monitor the progress of tasks efficiently. Also, maybe due to the sudden change in the work setting, we noticed an alarming increase in the number of reports of laptops stolen or damaged. Because we couldn\u2019t let these factors delay work, we had to fix these laptops or even pay for new ones post-haste out-of-pocket. It cut into our profit margin and made things even harder. But thankfully, we were able to find a lasting solution to this in the form of FinCrew.my. With the numerous \ninsurance\n policies that we can leverage with this platform, we can cover most of these expenses to focus on what\u2019s truly important to us; helping businesses grow.\n\n\nInterviewer\n: What can you say are the advantages of getting this coverage?\n\n\nMr. Farah\n: As I said, while issues still come up with my team\u2019s laptops and other electric appliances, it doesn\u2019t impact our bottom line anymore. But, the most significant advantage of getting this coverage with an insurer like FinCrew is the ease and speed of the claiming process. It doesn\u2019t disrupt the flow of my teamwork, and payout ensures that delays due to appliance issues will not happen.\n\n\nInterviewer\n: Thank you for your time, Mr. Farah.\n\n\nMr. Farah\n: The pleasure\u2019s all mine.\n\n\nSo, join the league of winners and get the \nbusiness insurance\n that can tide you through the pandemic!\n\n\nTags:\nBusiness Insurance\nBusiness Interruption Insurance\nPandemic\nPandemic Cover\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/08/07/understanding-deductible-and-excess-in-car-insurance/", "title": "Understanding Deductible And Excess In Car Insurance", "body": "Research your car insurance options is best. The insurance you choose will also require you to pay an excess or a deductible, no matter what level of coverage you choose. Select a high quantity in exchange for lower monthly premiums. Still, you need to know your \ndeductible and excess\n to pay more than expected for an unexpected vehicle repair. Fincrew Insurance has put together a guide to help you work out your \ndeductible and excess\n for car insurance so you only accept a quote that suits your needs.\n\n\nWhat\u2019s a Car Insurance Deductible?\n\n\nIn a perfect world, \nbusinesses\n and their customers would always be able to interact honestly to provide quality services for everyone. Unfortunately, this is only sometimes the case in reality. Car insurance providers need to ensure that they put in place measures that discourage their customers from making false claims by putting measures that prevent them from doing so. There is little difference between your car insurance excess and your deductibles other than that an excess refers to the amount you\u2019ve agreed \u2013 in advance \u2013 to pay if you make a claim. In contrast, a \ndeductible\n only applies when you are in an accident.\n\n\nWhat Is Excess In Car Insurance?\n\n\nA policyholder\u2019s \nexcess\n is the amount they agree to pay when they buy the policy towards a claim. In Malaysia, it is similar to a deductible but more common. The amount of your car insurance excess is determined when you purchase your policy. Your only chance of changing it is if you \nfile a claim\n. Having an idea of your excess can help you prepare for future claims without worrying about how much you can afford. For example, if you choose \ncomprehensive car insurance\n with an RM4,000 excess and the damage to your vehicle costs RM6,500, you will have to pay RM4,000 of the excess, while your insurer will cover the remaining RM2,500.\n\n\nExcess amounts vary depending on your risk profile and what you are comfortable paying. If you have limited driving experience or are a new driver, you are statistically at a higher risk, which increases your excess. How you drive your vehicle, where you live, how you use it, and the measures you have taken to prevent your car from being damaged or stolen can all have an impact. You can expect your excess to be lower if you have a tracking device and park it in a locked garage behind a locked gate than if you don\u2019t have the device and park on the street.\n\n\nThere is also the possibility of being offered a percentage excess. You agree to pay a fixed percentage of the total claim cost. You usually have to pay a flat bunch if you get into an accident. Exchange a higher premium for a lower quantity in many cases. However, you should be aware that your premium may increase if the circumstances of your claim change.\n\n\nHow Does Car Insurance Deductible Work?\n\n\nThe amount of your deductible will vary depending on what type of policy you choose, but there are no annual deductibles in this policy. This cost will be your responsibility whenever you submit a claim to the insurance company. Upon payment of the deductible, your insurance company will pay the balance of the claim amount or the repair cost once you have paid your \ndeductible\n. Here is an example of how a \ncar insurance\n deductible works:\n\n\n\n\nThere is a RM 5,000 deductible and RM 30,000 damage from covered accidental injury.\n\n\nIn the case of an \ninsurance claim\n, the insurance company might pay RM 25,000 to repair your car, but you are responsible for the remaining RM 5,000 out of your pocket to cover the remaining cost of repairs.\n\n\n\n\nHow Much Excess On Car Insurance Should I Pay?\n\n\nIf you are considering paying an excess, remember there is no right or wrong answer. Ultimately, it\u2019s a matter of personal preference. Consider paying a lower monthly premium and spending more on an excess payment. Additionally, you might prefer to pay more every month so that your extra income is low enough to pay without any problems if necessary.\n\n\nIt would help if you remembered that honesty is the best policy for car insurance, including your excess. When dishonest with your \ninsurance provider\n about who usually drives your car or other things, you may pay a higher quantity or have your claim denied.\n\n\nTags:\nCar Insurance\nDeductible\nExcess\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/03/11/import-or-purchase-a-car-as-an-expatriate/", "title": "Import Or Purchase A Car As An Expatriate", "body": "Living and working in a new country comes with a unique set of challenges. Outside more obvious ones like adjusting to the change of environment and so on, there is a need to also adjust to the way of doing things in the new environment you find yourself in. As an \nexpatriate\n in Malaysia, situations may arise where you will need to get yourself a private means of transportation to shuttle around wherever you choose to reside within the country. There are only two options available to you if you want a vehicle. You either purchase one or have it imported into the country for you. Here\u2019s a brief rundown of how either of those processes works and what you need to do.\n\n\nPurchasing A Car As An Expatriate\n\n\nBefore you can even consider getting a vehicle here in Malaysia, specific requirements must first be met. First and foremost, there\u2019s an age bracket eligible for driving in the country. To be able to drive, you need to be within the ages of 23 and 65. In addition to this, you must be a driver who\u2019s had his drivers\u2019 license for no less than a full year. If you meet all the criteria cited above, this is where the real task begins. Because the country is home to various local car manufacturers, it\u2019ll always be easier to get these vehicles, compared to foreign products. Besides, the vehicle\u2019s cost is also likely to be very high due to the amount of tax this kind of activity commands. The only way this price can be significantly reduced is if you happen to have a particular type of visa; the \nMalaysia My Second Home visa\n, or MM2H visa, for short. This document exempts you from the tax commissions that you\u2019d ideally have to pay to \npurchase a car\n.\n\n\nImporting A Car As An Expatriate\n\n\nBy and large, the same principles that apply to \npurchase a car\n also influence importing vehicles in Malaysia. There are, however, a few significant differences that you should take note of about these two processes. As we mentioned earlier, the government works hard to support the growth of local vehicle manufacturers. If you\u2019re wondering what bearing that has on car importations, we\u2019ll be revealing that now. Considering that there are several local alternatives available, it is challenging to get an imported vehicle into the country. Of course, as with purchasing a vehicle, owning an MM2H goes a long way in helping you expedite the entire process. It can also prove handy in helping you save costs.\n\n\nConclusion\n\n\nWhile getting a vehicle as an \nexpatriate\n in the country might seem a bit of effort and resource-consuming initially, ultimately, it is likely to serve you better than renting a vehicle or shuttling about using public transportation. If you\u2019d like to boycott all the hassle that comes with importing a car into the country, there is no shortage of top-quality local brands that will serve you very well.\n\n\nTags:\nExpatriate\nMalaysia My Second Home Visa (MM2H)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/11/02/can-police-officer-pull-you-over-on-private-property/", "title": "Can Police Officer Pull You Over On Private Property?\u00a0", "body": "You\u2019re driving to your home after a stressful day at work, paying attention to traffic rules, suddenly you hear the sirens, and you quickly pull over on \nprivate property\n. Though you\u2019re a bit tense and nervous, you feel the police can\u2019t arrest you on \nprivate property\n. Either way, Malaysia police can execute traffic stops on \u201cstreets and highways,\u201d but they can also on \nprivate property\n with probable cause. Though you should note that you have rights that the police can\u2019t violate, and knowing these rights can save you time and potential legal trouble.\n\n\nCan The Police Stop Me On Private Property?\n\n\nGenerally, if the property is open to public access, for instance, a parking lot or a private street, you can be pulled over, but there must be a probable cause. The cause might be over speeding, reckless driving, or driving under alcohol or drugs. Many people think that if they violate a rule such as broken tail light and they can make it to a private driveway or a private property, they are home free. No, you\u2019re NOT. If the police officer first observed your vehicle on a public road, he can chase you just about anywhere to make the stop and arrest.\n\n\n\n\nCan A Police Officer Pull Me Over Without A Probable Cause?\n\n\nA \npolice officer\n can\u2019t pull you over without reason. They require a probable cause to pull you over, such as speeding or having a broken taillight, or they suspect you\u2019ve broken a driving law. The \npolice officer\n will ultimately tell you why they pulled you over. However, if you ask you if you know why you were being pulled over, you might want to ask them to tell you why instead of admitting fault to avoid implicating yourself. After stopping, the police officer might check your license and registration to be sure you\u2019re legally allowed to drive. They might interrogate you to find out what happened. If the police officer decides a driving violation, they might write you a ticket or give you a warning. This is up to their discretion. It\u2019s also essential for you to know that just because the police officers pull you over or give you a ticket doesn\u2019t mean they are right. You could try to persuade them if you weren\u2019t violating any law or fighting the ticket later. Just because you accept the ticket doesn\u2019t mean you\u2019re taking fault.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nDo I Pullover Immediately Even If It\u2019s Unsafe?\n\n\nYou don\u2019t have to pull over immediately if you feel it\u2019s unsafe. If you\u2019re on a busy or dark road with no other cars around, you aren\u2019t mandated to stop if you think it looks dangerous. However, that doesn\u2019t mean you can speed on with a police officer trying to stop you. What you can do in that situation is to notify the officer with a hand signal and turn on your blinker or hazard lights. You can then proceed a short distance until you\u2019re able to stop safely. The sooner, the better for you, though. You don\u2019t want to upset the officer. At times officers might look for extra infractions if you made them angry and end up getting three tickets instead of one.\n\n\nTags:\nPolice Officer\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/02/09/strike-riot-and-civil-commotion-in-auto-insurance/", "title": "Strike, Riot And Civil Commotion In Auto Insurance", "body": "You use your vehicle every day, and it\u2019s an integral part of your life. It serves for getting to work, cruising through the city, or running errands. Either way, you don\u2019t want it damaged or destroyed. If that happens, you can check out your \ninsurance policy\n to see if you are eligible to ask for compensation. The \ninsurance\n deal can cover various situations, but that depends on the policies and add-ons you select. Did you notice the so-called S.R.C.C. add-on as an option in your \ninsurance policy\n? This extra coverage serves for damages caused by \nStrike, Riot and Civil Commotion\n. Is it a smart idea to activate this add-on in your deal? Here is what you need to know before choosing it!\n\n\nStrike, Riot And Civil Commotion Extra Coverage \u2013 Basic Overview\n\n\nYou might have chosen a \ncomprehensive auto insurance\n policy that covers your vehicle from theft and damage from floods and fires. You can also research more about the coverage in case of malicious acts and vandalism. However, Malaysian insurance companies often consider \nStrike, Riot and Civil Commotion\n separate from other vandalism acts. That means you won\u2019t be able to \nclaim\n and receive compensation unless you have the S.R.C.C. add-on in your policy. The \nextra coverage\u2019s\n name is relatively self-explanatory. It covers you in the case of the mentioned events. Now, it\u2019s true that civil riots don\u2019t happen often, but you can never be too safe. You\u2019ll occasionally read the news about mob attacks, and we all remember the \nLow Yat riot from 2015\n. What if there is an important sports game and the fans go through the streets? If your car is in the way, they could damage or set it on fire. That\u2019s where S.R.C.C. add-ons come into play.\n\n\nIs It Smart To Buy The S.R.C.C.E Extra Coverage?\n\n\nThe crucial thing to pinpoint is the low price of this add-on policy. You\u2019ll pay a premium of only 0.3% of the total sum insured. For example, if you insured the vehicle for RM50,000, the S.R.C.C. add-on will only cost 150RM. It\u2019s not a hefty sum if you consider adding another layer of insurance to your car. You\u2019re safe if Strike, Riot and Civil Commotion occur. If you frequently park in open streets, this add-on is strongly recommended. The same applies if you are living in crowded cities, park near stadiums and other busy areas. It\u2019s much easier to get this extra coverage than follow the news for potential protests and sports events and looking for another place to park.\n\n\nWhat To Do If Your Car Gets Damaged In A Riot?\n\n\nRiots and strikes often end up in big damages to vehicles, stores, and other things in the way of the angry mob. It\u2019s best to foresee if those events might occur. If you analyze the situation and find you have enough time, move your vehicle. However, if you notice that the rioters are already damaging your car, it\u2019s better to run and wait in a safe location. You might not have anything to do with the matter they are protesting against, but your vehicle was there. So, try to protect yourself and find a safe place immediately. You can consider contacting the police from that location. Once the danger passes, return to your vehicle to assess the damage. Make sure to report everything to the policy within 24 hours. Don\u2019t forget to take photos and ask someone to be your witness to what happened. The final step is filing a claim and receiving compensation for your \nauto insurance\n. At that point, you\u2019ll realize the add-on for strikes, riots, and civil commotions have come in handy and protected you from a major budget hit.\n\n\nTags:\nCoverage\nRiot And Civil Commotion\nS.R.C.C\nStrike\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/26/10-travel-insurance-benefits/", "title": "10 Travel Insurance Benefits", "body": "When you book a trip for hundreds or thousands of dollars, it makes sense to \npurchase travel insurance\n. An important feature of \ntravel insurance\n is that it provides \ncoverage\n against various risks associated with travel and unexpected medical expenses incurred during trips. The goal is to protect your investment if you have to cancel or cut short your journey due to weather, illness, or a government shutdown, among other factors. Other benefits may include reimbursement for lost luggage or medical care while abroad. The following are ten \nbenefits of Travel Insurance\n for travelers:\n\n\nTrip Cancellation\n\n\nAs the name suggests, this benefit protects you from unforeseen events by reimbursing any non-refundable trip costs you have already paid. If you\u2019re sick or injured, your flight is canceled due to natural causes, or you\u2019re involved in a traffic accident, you may qualify for a cancellation benefit, but be sure to check your policy in detail.\n\n\nTrip Delay\n\n\nShould you be delayed on your way to or from your destination, the trip delay benefit will cover interim expenses such as accommodations and transportation.\n\n\nMissed Connection\n\n\nThe missed connection benefit typically covers expenses needed to join departed \ncruises\n when your flight is canceled or delayed if you have purchased a trip cancellation plan to cover the cost of your cruise.\n\n\nMedical Expenses\n\n\nIn most cases, Travel Insurance is purchased to cover unforeseen medical expenses during the trip. The \ninsurance company\n reimburses expenses up to the limits specified in the policy in the case of an accident, dental treatment, or medical treatment. Some \ninsurance companies\n offer cashless therapy through a network of hospitals in different countries. In addition to providing help to the insured, the Travel Insurance company also offers assistance. It is one of the most significant \nbenefits of Travel Insurance\n.\n\n\nPersonal Liability\n\n\nLiability \ninsurance\n covers damage caused by the insured. This part of Travel Insurance provides compensation if a third party is injured during your travel, especially when traveling abroad. Liability can arise from \ndamage to property\n or injury to a person. There are different types of coverage available depending on the product.\n\n\nLegal Expenses\n\n\nTravel insurance plans include a legal expenses section that will help you cover the costs of legal advice if you are injured abroad by someone. A 30-minute complimentary phone consultation with a solicitor is often included with this section of your policy after you pay an \nexcess\n.\n\n\nEmergency Reunion\n\n\nAfter suffering a severe illness or injury and being transferred to another healthcare provider, most travel plans will cover the cost of a round-trip ticket for a close relative to come to visit you for a short time.\n\n\nLost Luggage\n\n\nYou\u2019ll be covered for the loss of your checked luggage with both trip cancellation and \ntravel insurance\n plans, but not necessarily for lost carry-on items like a cell phone.\n\n\nEmergency Medical Evacuation\n\n\nThis benefit will provide transportation to a medical facility capable of caring for your condition when traveling to remote areas without adequate medical facilities. Therefore, you can go home, but it\u2019s not guaranteed.\n\n\nAccidental Death & Dismemberment (AD&D)\n\n\nIf you pass away or lose a limb due to an accident while traveling, this benefit will provide a defined amount of money to your beneficiary.\n\n\n\u00a0\n\n\n\n\nTags:\nAccidental Death & Dismemberment\nEmergency Medical Evacuation\nEmergency Reunion\nPersonal Liability\nTravel Insurance Benefits\nTrip Cancellation\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/17/3-reasons-why-you-need-flood-cover-for-your-car/", "title": "3 Reasons Why You Need Flood Cover For Your Car", "body": "It is not uncommon for floods to happen in Malaysia. In many areas, they are becoming more frequent and can have a devastating effect on your vehicle. So it is very important to protect your car against natural disasters such as floods before it happens. Does your \nauto insurance\n cover flood damage? Why do you need \nflood cover\n for your vehicle? Read on to know more.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nDoes Your Auto Insurance Cover Flood Damage?\n\n\nIf the policy you are carrying is \ncomprehensive\n, then you are covered for flood damage. In Malaysia, a complete policy is not mandatory, but it is recommended that you have it in any unforeseen circumstances such as flooding. Though the coverage can be pricey, it will protect you and your car from many of life\u2019s uncontrollable events in addition to heavy rains and flooding, vandalism, theft, windshield damage, etc.\n\n\nReasons Why You Need Flood Cover For Your Car\n\n\n\u00a0\n\n\n1. Protect You Against Substantial Financial Loss\n\n\nComprehensive cover protects you from heavy \nfinancial\n liability in the event of serious flooding. Floods or heavy rains can cause severe damage to a car, making \ncomprehensive \nauto insurance\n a must-have to protect someone from huge financial losses. Rising water levels may get into your car\u2019s engine and interior during heavy rain, potentially wreaking havoc on the vehicle. More so, hailstorms can lead to water damage if it breaks the windows of your car, allowing rain and hail into it. When these happen, your \nflood cover\n will protect you from all financial loss resulting from the flood. If your car is declared totaled, i.e., damaged beyond repairs or cost more than the car\u2019s worth, comprehensive coverage helps pay to replace the vehicle up to its actual cash value. Flooding can be disappointing, but having a comprehensive policy may help protect you against massive financial loss if your car is damaged by flooding.\n\n\n2. Save You From Hassle And Time\n\n\nThe kind of experience one gets during and after flooding is frustrating and sometimes happens to be time-consuming. Having a comprehensive policy that protects you against flooding saves you time and the hassle of bargaining with the property owners, other drivers.\n\n\n3. Protect Yourself And Other Third Party Involved\n\n\nCarrying a flood cover ensures that you, your family, and other passengers in your car are well-protected. You definitely will not experience any doubt about compensation when the flood, which may cause damage to your vehicle, sometimes causes \nbodily injury\n to you and your passengers.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nFinal Thought\n\n\nWe advise you to do what you can in advance to protect your car against flood damage. You need to Identify the danger level for a possible flood around there and weigh the value of your vehicle against the expense of comprehensive policy. Speak with Fincrew sale support team to determine the best approach for you and your family. You should note that even if you carry a comprehensive policy, you should take necessary precautions to protect your car to keep away from the exorbitant, time-devouring, and depleting process of \nfiling a claim\n and battling for the work to be completed. Leaving your vehicle inside or in an elevated area with excellent drainage can help you keep away from most flood damage.\n\n\nTags:\nComprehensive Coverage\nFlood\nFlood Cover\nInsurance Broker\nInsurance Claims\nNatural Disasters\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/28/term-life-insurance-vs-whole-life-insurance/", "title": "Term Life Insurance vs Whole Life Insurance", "body": "You\u2019re not alone if you find the distinction between \nterm life\n and \nwhole life insurance\n confusing. Life insurance provides money to beneficiaries if a policyholder passes away; however, many people aren\u2019t aware of the differences and benefits of term vs whole life insurance. When it comes to protecting your family\u2019s financial future, you need to understand the basics of these two options.\n\n\nWhat Is Term Life insurance?\n\n\nIn essence, \nterm life insurance\n is what its name implies: A policy that provides coverage for a specific period or term, typically from 10 to 30 years. It does not have a cash value component instead of \nwhole life insurance\n \u2013 also designed to give your beneficiaries the benefits if you die during the term. Consider whether your family\u2019s need for life insurance will change before the term of the policy expires if you buy a term policy to protect them. That usually means the kids are grown and on their own, a fully-paid house and the surviving spouse has some funds that serve as a safety net.\n\n\nWhat Is Whole Life insurance?\n\n\nA whole life policy offers permanent coverage that lasts as long as you pay your premiums and is thus called the simplest form of permanent life insurance. As opposed to what \nterm life insurance\n implies, whole life insurance is life insurance and an investment product with cash value. Your policy\u2019s \ncash value\n occurs when a portion of your premium is invested overtime on a tax-deferred basis, so you don\u2019t need to pay taxes on the earnings. If you live long enough, you can benefit from the cash value of your policy. After it has grown into a generous amount, the cash value in your policy can be borrowed against, or withdrawn from, to make premium payments, or you can even surrender it for cash to supplement your retirement. Various permanent life insurance options exist, but whole life is the simplest.\n\n\n\n\nWhole life insurance premiums don\u2019t change throughout the policy\n\n\nDeath benefits are guaranteed\n\n\nA guaranteed rate of growth for the cash value\n\n\n\n\nWhat Are The Pros And Cons Of Term Life And Whole Life insurance?\n\n\nOne of the most significant differences between life and term insurance is that real-life provides permanent coverage with a cash value component. The fact that the death benefit for the entire life policy is guaranteed means that the premium for the whole life policy is higher than that of a term policy. Here are some other differences and features of the two \ntypes of policies:\n\n\nPolicy Features\n\n\n\n\nTerm \nlife insurance\n\n\nWhole life insurance\n\n\n\n\nAmount Of The Initial Premium\n\n\n\n\nLow\n\n\nRates are typically higher than those for term \ninsurance\n\n\n\n\nThe Premium Over Time\n\n\n\n\nIt may change over time or remain the same\n\n\nGuaranteed to stay the same\n\n\n\n\nPermanent Coverage\n\n\n\n\nNo\n\n\nYes\n\n\n\n\nDuration Of Coverage\n\n\n\n\nA typical lifespan is between 10 and 30 years. The company plan may last up to the termination age if you buy it through your employer\n\n\nA lifetime policy (provided you continue to pay)\n\n\n\n\nHealth Exam Required\n\n\n\n\nIn most cases, but varies depending on the amount withdrawn\n\n\nYes\n\n\n\n\nCash value\n\n\n\n\nNo\n\n\nYes \u2013 it accumulates over time\n\n\n\n\nEligible For Company Dividends\n\n\n\n\nNo\n\n\nYes \u2013 it depends on the company\n\n\n\n\nThe Ability To Withdraw Cash Value Throughout The Policy\u2019s Life\n\n\n\n\nThere is no cash value\n\n\nYes, withdrawals and \nloans\n can be made (although not repaid will reduce the death benefit).\n\n\n\n\nBenefits Guaranteed Upon Death\n\n\n\n\nYes\n\n\nYes\n\n\n\n\nThe Bottom Line\n\n\nWith its cash value component, whole life insurance certainly offers more financial flexibility. Although permanent policies are more complex and expensive, many consumers adhere to the old axiom \u201cBuy term and invest the rest.\u201d\n\n\nTags:\nActual Cash Value (ACV)\nTerm Life Insurance\nWhole Life insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/21/how-do-auto-insurance-companies-investigate-accident-claim/", "title": "How Do Auto Insurance Companies Investigate Accident Claim?", "body": "\n\n\n\nFor drivers familiar with how the \nauto insurance\n process works in the country, the entire process of filing a claim is relatively simple. However, vehicle owners who don\u2019t know much about automobile insurance only know they have coverage if the worst happens. Many insured parties aren\u2019t aware that every insurer extensively investigates the authenticity of every \naccident claim\n filed before issuing a payout.\n\n\nHow Do Insurance Companies Even Go About Investigating An Accident Claim?\n\n\nWhy is the investigation process important? Keep watching to find out!\n\n\nHi, and thanks for joining us! My name\u2019s Stella, Fincrew brand ambassador, and I\u2019ll be your host on today\u2019s episode from the Insurance 360 Video Series by Frincrew! Here, you\u2019ll learn everything that happens behind the curtains when you file a claim for payout after an accident. The Insurance 360 Video Series is your ultimate guide to finding out all you need to handle your \nauto insurance\n with ease! So make sure you take a quick moment to Subscribe and enable notifications, so you get a ping when we release more helpful clips!\n\n\nAn investigation into the authenticity of your \nclaim\n begins from the moment you file your claim. As you probably know, in addition to filing a police report, you have to notify your insurer of the event. At its core, this investigation is carried out for two reasons. One reason is that your \ninsurance company\n wants to ascertain that the accident did, in fact, take place as you described, and you\u2019re not trying to wittingly or unwittingly defraud them. Another reason insurers thoroughly investigate your \naccident claims\n is to ensure that they absolutely have to issue you a payout. Many \ninsurance companies\n are out solely to make a profit and wouldn\u2019t hesitate to deny vehicle owners a payout if they can. As soon as you \nfile that claim\n, you can expect to hear from a representative of your insurer. These individuals are referred to as Adjusters, and they officially kick off your insurer\u2019s investigation process. The adjuster may request items like,\n\n\n\n\nAn original copy of your police report,\n\n\nPhotographic evidence of the damage from the auto crash or incident,\n\n\nPhysically inspect the vehicle,\n\n\nA copy of your medical bills.\n\n\n\n\nYou would also be legally required to state all your losses, so every party knows what \ndamages you\u2019re claiming\n. After consulting with you, the adjuster would also reach out to every other party involved in the accident, witnesses and passers-by included. This is to ensure that they corroborate your account of the event. They would also visit the scene of the accident to better inform their decision. Upon completion of this routine and other necessary activities, the adjuster will now decide on the fault and what payment, if any, is appropriate. This process can take a while, during which you may decide you want to start repairing your vehicle. You have the option of taking the car to your insurers\u2019 body shop or any other repairer you wish. However, if you use anybody\u2019s shop outside the one your insurer designates, there may be conflict over the cost of repairs.\n\n\nAnd there you have it! Enjoyed watching this video? Then you won\u2019t want to miss any of the future episodes from this Insurance360 video series. Subscribe and turn on your notification settings, so you stay fully in the loop!\n\n\nTags:\nAccidents\nAdjuster\nCoverage\nInsurance Claims\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/08/credit-card-cash-advance-vs-personal-loan/", "title": "Credit Card Cash Advance vs Personal Loan", "body": "Finding a loan quickly when you need one is a priority when you are in a financial bind \u2013 perhaps your car needs expensive repairs, or you\u2019ve lost your job, and you must pay your bills this month. Taking out a personal loan and using your credit card for cash advances are both options, each with pros and cons. This article discusses how to \nchoose between personal loans\n and \ncredit card cash advances\n and a few other alternatives.\n\n\nCompare and apply for the best credit cards\n\n\nWhat Is a Personal Loan?\n\n\nPersonal loans are installments, so you borrow a certain amount and then pay it back for several months. A \npersonal loan\n is generally unsecured, meaning the money is not backed by collateral, like a house or car. A lender will base your \ncredit score\n to determine your eligibility, interest rate, and debt-to-income ratio (DTI) to determine how much your income goes toward debt each month.\n\n\nCompare Personal Loan In Fincrew\n\n\nWhat Is a Credit Card Cash Advance?\n\n\nA \nCredit card cash advances\n are short-term loans that your credit card company provides rather than traditional or online lenders. Therefore, the \ncash advance\n limit on your credit card statement will probably be smaller than the credit limit on your card. Cash advances can be withdrawn at an ATM using your credit card, with a check mailed directly from the issuer, or in person at a bank. However, you will still have to pay the interest and fees associated with a credit card \ncash advance\n since the process of applying for a loan is not required. In addition, a card issuer typically charges a fee for cash advances, usually between 3% and 5%, and banks or ATMs often also charge a fee for their end of the transaction.\n\n\nPersonal Loans: When To Use Them\n\n\nYou should consider a personal loan if you:\n\n\n\n\nQualify for a low APR. You can reduce your loan\u2019s principal more quickly and make your monthly payments more affordable with low-rate loans.\n\n\nHave high-interest, large debts that you wish to consolidate. If you borrow large amounts and make fixed payments over a few years, you can reduce your debts.\n\n\nFinance a one-time, considerable expense. As a home improvement project, the fee should ultimately help your finances. \nTaking out personal loans\n frequently is not recommended.\n\n\nOver the loan term, you can regularly make monthly payments in the same way as with credit cards, failure to pay results in a \nreduction in your credit score\n.\n\n\n\n\nAdvantages Of Personal Loan\n\n\n\n\nThe average interest rate on debit cards is usually lower than that of a credit card.\n\n\nYour budget can be easier to manage if you have a fixed monthly payment.\n\n\nYou can quickly get a large sum of money through lenders that provide fast funding.\n\n\n\n\nDrawbacks Of Personal Loan\n\n\n\n\nThey charge borrowers with fair to bad credit high rates.\n\n\nIt can be hard to adjust the amount and schedule of monthly payments.\n\n\nFixed amount of money.\n\n\n\n\nWhen To Use A Credit Card\n\n\nYou should use a credit card when:\n\n\n\n\nFinance more minor expenses. You can use credit cards to make regular purchases that you can repay quickly, especially if your card rewards you for purchases like groceries.\n\n\nMonthly payments are possible. If you have an outstanding balance, pay it off each month to avoid interest charges.\n\n\nReceive a promotional offer of 0%. Payment without interest is the best option.\n\n\n\n\nCredit cards\n can be an expensive kind of financing when you don\u2019t pay off your balance each month or if you do not qualify for a card with a 0% interest promotional offer. In addition, carrying a balance on a credit card can \nnegatively impact your credit score\n because of double-digit interest rates.\n\n\nAdvantages Of Credit Cards\n\n\n\n\nYou can utilize them whenever you like.\n\n\nYou can pay in full each month to avoid interest on purchases.\n\n\nCredit cardholders with good and excellent credit may be eligible for rewards.\n\n\nA fair credit score may make it easier to qualify.\n\n\nSome credit cards offer promotional periods with 0% APR (usually 12 to 18 months).\n\n\n\n\nDrawbacks Of Credit Cards\n\n\n\n\nCredit cards can be costly to use because of high-interest rates.\n\n\nSome credit cards charge an annual fee.\n\n\nSome establishments do not accept all credit cards, and some charge a small fee for credit card processing.\n\n\n\n\nFinal Thought\n\n\nAll credits are equal. Credit cards and personal loans have various provisions and terms. For example, a personal loan has a lower interest rate than a credit card to pay over a certain period. Using a credit card provides ongoing access to funds, and you only pay interest on unpaid balances on time. The key to securing approval and favourable terms depends on your credit score, regardless of which option you choose.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nAPR\nCash Advance\nDebt-To-Income Ratio\nDTI\nLoan Guideline\nPersonal Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/07/27/will-car-insurance-cover-engine-failures/", "title": "Will Car Insurance Cover Engine Failures?", "body": "Typically, there isn\u2019t any car insurance package that comes with coverage for \nengine failures\n. However, there are add-ons you can take in addition to your standard insurance package that may cover engine failure expenses. Also, most \ninsurance packages\n will extend to \nengine failures\n if they are a direct result of an accident or another insured incident.\n\n\nAs bad as any fender bender accident is, adding engine failure to the mix is almost always guaranteed to make it worse. It\u2019s on days like this you thank your stars you have an operational \ninsurance policy\n. So whether you\u2019ve been involved in an accident and your car won\u2019t start after, or your vehicle broke down on your way to work, and it just won\u2019t kick, your insurance package, among many other things, will determine who\u2019ll be covering those expenses. The exact nature and cause of the accident, not to mention your \ninsurance coverage\n, often factors strongly into how much of your engine repairs you\u2019ll have to pay out of pocket.\n\n\nInsurance Packages That May Cover Engine Failure\n\n\nBefore delving any deeper, it bears mentioning that if you\u2019re operating the necessary \nthird party insurance\n package, no damage to your vehicle will be paid for by your insurance company. Elementary third-party \ninsurance coverage\n only covers damages the other driver or vehicle might sustain during the accident. However, any of the following \ninsurance\n packages may include the repair expenses for your engine.\n\n\nThird-Party, Fire and Theft Coverage\n\n\nThis insurance package will cover all the engine repairs expenses if your engine was damaged as a result of theft, (perhaps if an engine component was stolen), or if the engine suffered damage as a result of a fire. Please note that you forfeit any rightful \nclaims\n to a payout in the case of an accident if it is adjudged that you were at fault.\n\n\nComprehensive Coverage\n\n\nSignificantly pricier than the \nthird party\n, fire, and theft coverage, the full \ninsurance coverage\n package makes up for this by covering even engine damage that occurs as a result of an accident. In addition to this, there are many add-ons you can include in your comprehensive coverage plan that can further insure you against any financial costs of repairing your car engine. However, you are likely to lose your \nNCD (No Claim Discount)\n. It\u2019s a small price to pay though for cover for those expense engine repairs. Alternatively, if your car engine is damaged in an accident and the other driver admits fault, it falls directly on that driver to cover all the expenses for your engine repairs. Ultimately, the better your insurance policy is, the more likely it is that engine failures are covered in your package. Of course, the only way you can be 100% confident is to go through the fine print of your policy to determine what you\u2019re insured for entirely.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nPrevention is the cheapest cure. Keeping your engine in tiptop condition possibly reduces the chances of your car developing engine failure, but it might also reduce the cost of repairs, should the need arise. As an added precaution, holding an extensive insurance package might seem pricey initially, but ultimately, you\u2019ll always be glad you did.\n\n\nTags:\nComprehensive Coverage\nEngine Failures\nFire and Theft Cover\nNo Claim Discount (NCD)\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/10/18/third-party-policy-in-car-insurance/", "title": "Third Party Policy In Car Insurance", "body": "In Malaysia, third party insurance is the most basic \ninsurance\n policy you can get. It\u2019s compulsory under the Motor Vehicle Insurance Act to drive on the road. It\u2019s more like a driving license to drivers; passports are to international travelers and wheels to cars. You can\u2019t drive your car without it. In the insurance realm, the \u201cfirst party\u201d is you (i.e., the owner of the car), the \u201csecond party\u201d is the insurer; however, \u201cthe \nthird party\u201d\n is everyone else. A \nThird Party policy\n protects you against any damages or deaths caused to the third party (i.e., another person), as well as loss or injury to a third party property caused by your car. In essence, a \nThird Party Policy\n provides you with the minor coverage level if you are involved in an accident. This policy does not cover any \nclaim\n for damages to your car. Thus, \nThird Party cover\n is usually offered at a lower premium as compared with a \nComprehensive\n Cover.\n\n\nWhy Invest In Third Party Insurance?\n\n\nAs mentioned above, in Malaysia, it\u2019s compulsory to carry at least the most basic insurance plan, so many people have \nthird party\n Policy But aside from it being compulsory and protecting you from third party claims, it also protects you against a significant portion of the lawsuit if the third party sustains serious injuries or property damage. A third party policy is a type of liability insurance usually part of automobile and home insurance policies. It covers bodily injury and property damage insurance.\n\n\nHow Third Party Insurance Works\n\n\nThird Party insurance is a type of liability insurance acquired by a user (first-party) from an insurance company (second party) for coverage against the claims of another user (third party). In case of an accident, the first party is responsible for their damages or losses. It is irrespective of the origin of those damages. There exist two types of car third party liability coverage. They are:\n\n\n\n\nBodily Injury Liability: This policy covers costs resulting from injuries to the third party. These injuries\u2019 fees might include hospital care, lost wages, and pain and suffering due to the accident.\n\n\nProperty Damage Liability: This policy covers expenses resulting from damages to or loss of third party property. An instance of this includes the fee to replace landscaping, mailboxes, and reimbursement for loss of use of a structure.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\n\n\nHow To Purchase Third Party Insurance\n\n\nThe process of acquiring Third Party \nCar Insurance\n is somewhat more complicated, as most insurance firms like to deal with Comprehensive Covers. It is the result of the rising hike in \nroad accidents\n and claims cost. This had made the third party Covers less lucrative for insurance firms. Furthermore, it is relatively hard to estimate the worth of old cars required to work out the insurance expense. You should note that insurers add a \u201cpremium load,\u201d which you have to bear in some instances. The \u201cpremium load\u201d is an additional sum added to the insurance expense to reflect the higher risk. Some insurance organizations may require the driver to get different insurance coverage types to secure a third party Policy. When you want to raise your chances of getting a \nThird Party Cover\n, it is sensible to stay with one \ninsurance company\n for both motor and non-motor coverage and keep up a decent history in all accounts.\n\n\nTags:\nThird Party Insurance\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/03/first-party-and-third-party-in-car-insurance/", "title": "First Party And Third Party In Car Insurance", "body": "Owning a car comes with a great feeling. However, owning a car comes with its responsibility. It will help if you abode by the rules and regulations of the country before you can drive on public roads. One of the essential laws for you to follow is \nbuying auto insurance\n for your vehicle before driving on public roads. Whenever you witness people discussing \ncar insurance\n, you probably might have heard the term \u201cthird party\u201d or \u201cfirst party.\u201d If you are not conversant with \ninsurance\n terminologies, you probably do not know what those terms mean in the context of auto insurance. Read on to know everything about \u201cthird party\u201d or \u201cfirst party\u201d in auto insurance and the significant differences.\n\n\nTypes Of Parties Involved In Auto Insurance:\n\n\nVehicle \ninsurance\n is a contractual agreement between two parties. This contract also discusses implications concerning both parties. Before you get confused, here\u2019s an improved explanation of the types of parties in auto insurance:\n\n\nFirst Party\n\n\nYou must have heard the statement \u2018the customer always comes first\u2019 countless times. It is a simple method to comprehend and recollect who is the first party in auto insurance. The first party is you, the customer. When you buy \nauto insurance coverage\n from a certified insurance company, you become the First Party regarding the agreement.\n\n\nSecond Party\n\n\nThe insurance company you buy the insurance policy plan from by paying the required insurance premium is the Second Party in the contract. The Second Party accepts your money and offers certain protections, a promise bound by the agreement. The Second Party, which is the insurance company, assures the First Party that is you, that if anything happens to your car, the company takes responsibility for its care depending on the terms and conditions of the policy.\n\n\nThird Party\n\n\nIt may very well be anybody; for instance, a walker strolling in the city. These Third Parties can get injured or their properties damaged due to an accident caused by your (First Party) vehicle. When this happens, the First Party is responsible for remunerating the \nThird Party\n in such situations, and due to the First and the Second Party having an agreement in place. The insurance company will deal with the liabilities as part of the \nthird party\n insurance coverage.\n\n\nWhat Is First Party Auto Insurance?\n\n\nFirst Party insurance\n is a policy that protects you and your vehicle. It is also known as \nComprehensive auto insurance\n coverage. This policy comprises the third party Liability cover, the Own Damage policy, and a \nPersonal Accident\n Liability cover. The Own Damage plan is one of the significant policies of \nFirst Party insurance\n. It protects you and your car in case of an accident or natural disasters or riots etc. For instance, your insurer will compensate you for damages to your vehicle in case of fire, natural phenomenon, vandalism, terror attacks, etc. \nTheft is also covered\n in this type of policy.\n\n\nWhat Is Third Party Auto Insurance\n\n\nA third party auto insurance policy is a policy where the benefit is provided to a third party. This policy allows the second party (i.e., the insurance company) to pay any third party (i.e., other people) legal liabilities of the first party (i.e., you) to the third party. The legal liabilities arising out of the first party causing bodily injuries or damages to the third party with his/ her vehicle. For instance, you accidentally hit a pedestrian with your car. Legally, it is your responsibility to pay compensation to the pedestrian (third party victim). But with third party auto insurance coverage, your insurer will pay the pedestrian (third party) on your behalf.\n\n\n\n\nTags:\nFirst Party Insurance\nOwn Damage Insurance\nPersonal Liability\nThird Party Insurance\nThird Party Property Damage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/06/08/apakah-susut-nilai-sifar-dalam-insurans-auto/", "title": "Apakah Susut Nilai Sifar Dalam Insurans Auto", "body": "\n\nTerma dalam \ninsurans\n boleh menjadi sukar! Tetapi anda tetap perlu cuba untuk memahaminya kerana ia adalah penting. Salah satu aspek penting yang kurang diketahui oleh para pemilik kenderaan adalah \nsusut nilai sifar\n atau Nil Depreciation. Apakah maksudnya? Dan bagaimana ia berfungsi? Bagaimana pula anda sebagai pemilik kenderaan boleh mendapat manfaat daripada perkara ini? Baiklah, mari kita lihat!\n\n\nHello, dan selamat datang. Saya merupakan duta jenama Fincrew, Yuna dan hari ini anda akan memberikan maklumat lengkap tentang insurans ini dan bagaimana ia berfungsi. Dan saya juga akan terangkan kepada anda adakah ia sesuai untuk anda dan jika ya, bagaimana anda dapat memanfaatkannya sepenuhnya! Insurans merupakan sebahagian dari pengalaman anda sebagai pemandu. Tonton Siri Video Insurans 360 untuk memahaminya hari ini! \u2018Subcribe\u2019 saluran kami untuk mengetahui lebih lanjut tentang bagaimana pelbagai aspek insurans berfungsi dan cara menggunakannya semula untuk keuntungan anda! Jangan lupa juga untuk mengaktifkan notifikasi! Sekarang, setelah anda lakukannya, mari kita teruskan.\n\n\nDalam \ninsurans auto\n, susut nilai merujuk kepada proses di mana kenderaan anda atau mana-mana bahagian kenderaan tersebut hilang nilai dalam suatu tempoh masa yang telah ditetapkan. Kehilangan nilai ini selalunya berlaku disebabkan oleh:\n\n\n\n\nTerlalu kerap digunakan\n\n\nUsia dan juga\n\n\nUsang\n\n\n\n\nContoh yang paling mudah adalah, kereta baharu lebih mahal berbanding dengan kereta lama. Satu perkara yang perlu anda tahu, bahagian kereta yang berbeza akan memberikan susut nilai yang berbeza. Sebagai contoh, kadar susut nilai untuk bahagian logam kenderaan adalah berbeza dengan kadar susut nilai pada bahagian cermin bagi kenderaan yang sama.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nSusut nilai sifar\n sangat penting dalam insurans kerana sekiranya kenderaan anda mengalami kerosakan teruk akibat kemalangan, insurans biasa hanya akan membayar setelah susut nilai dikeluarkan dari kos pembaikan kenderaan. Tapi, jika anda mengambil pelindungan \ninsurans susut nilai sifar\n, jika kenderaan anda mengalami kerosakan, anda akan dibayar penuh bagi mana-mana bahagian yang perlu dibaiki.\n\n\nBeberapa perbezaan ketara yang anda dapat lihat antara insurans susut nilai sifar dengan insurans biasa adalah:\n\n\n\n\nAnda akan mendapat pampasan penuh dengan susut nilai sifar, sementara insurans tradisional dibayar setelah kadar susut nilai \u2018standard\u2019 ditolak.\n\n\nApa yang anda bayar sebagai premium untuk susut nilai sifar adalah jauh lebih tinggi berbanding dengan apa yang anda bayar untuk premium insurans biasa.\n\n\nDengan insurans biasa, anda perlu menanggung kos baik pulih yang berkaitan dengan bahagian gentian, kaca, dan getah kenderaan menggunakan duit sendiri. Syarikat insurans akan menanggung segala perbelanjaan tersebut apabila anda menggunakan \ninsurans susut nilai sifar\n.\n\n\nHanya kereta yang berusia di bawah 3 tahun yang layak untuk susut nilai sifar. Ia tidak berlaku untuk insurans biasa.\n\n\n\n\nDengan mempertimbangkan faktor-faktor ini, anda seterusnya hanya perlu menentukan sama ada insurans susut nilai sifar adalah untuk anda atau tidak. Walaupun anda boleh mengambil insurans ini dengan syarat kereta anda tidak melebihi 3 tahun, susut nilai sifar berfungsi dengan lebih baik sekiranya anda tergolong dalam kategori berikut:\n\n\n\n\nKereta anda masih baru\n\n\nAnda memandu kereta antik atau eksotik\n\n\nAnda bukan merupakan pemandu yang benar-benar berpengalaman\n\n\nKawasan anda mempunyai statistik kemalangan yang agak tinggi\n\n\nHarga alat ganti kereta anda adalah sangat mahal\n\n\nAnda sama sekali tidak sukakan calar atau kemek pada kenderaan anda\n\n\n\n\nKesimpulannya, anda telah mengambil pelindungan asas sebelum memilih pilihan insurans auto ini.\n\n\nTags:\nPolisi Insurans\nSusut Nilai Sifar\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/08/09/is-it-possible-to-insure-someone-elses-car/", "title": "Is It Possible To Insure Someone Else\u2019s Car?", "body": "If you are a beginner, \ncar insurance\n policies might be complicated. You probably have all sorts of questions, and that includes whether you can insure \nsomeone else\u2019s car\n. The short answer to that question would be no, but there are ways to be a part of \nsomeone else\u2019s car\n insurance. We will explain everything in this article, so make sure to keep reading.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhy Can\u2019t You Insure Someone Else\u2019s Car?\n\n\nHere is a simple explanation \u2013 you can only get \ninsurance\n for things you have a personal insurable interest in. Now, the question arises \u2013 how would you have the interest to ensure someone else\u2019s car? Let\u2019s imagine a scenario \u2013 your friend purchases a vehicle, and you agree that you should be the one to acquire insurance for it. The deal might make sense to you, but what happens if there is an accident? Your friend\u2019s car gets damaged, and you are the one who gets paid for that? That doesn\u2019t sound logical, and the \ninsurance companies\n won\u2019t allow that. It doesn\u2019t help if you have an official document saying that the vehicle owner agrees. Therefore, you can only get insurance on vehicles that you own. While we are on the topic, let\u2019s mention that third-party insurance is mandatory by Malaysia\u2019s law. It is the primary insurance you should have, and it covers any damage against \nthird parties\n. That includes persons and properties outside of the deal signed by you and the insurance company. Here are some other insurance options you can use:\n\n\n\n\nFire and \ntheft\n \u2013 that type of insurance also includes third-party coverage. However, the extra option covers your vehicle if you aren\u2019t responsible for causing a theft or fire. It can be a wise choice if you live in neighborhoods with high crime rates.\n\n\nA comprehensive coverage \u2013 a comprehensive policy will also include any damages that your vehicle suffered in the accident. Additionally, you can go with other benefits like a liability to a passenger, etc.\n\n\n\n\nDepending on the \ninsurance company\n, you might be entitled to other extras as part of your policy. The general rule is that the premium price will increase with every extra option you add to the deal.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nCan You Add Others To Your Car\u2019s Insurance?\n\n\nYou might be a parent who wants to pay for your child\u2019s \nvehicle\u2019s insurance\n, and that\u2019s noble of you. However, that is not an insurable interest if the car is your child\u2019s ownership. Fortunately, there is a way around it, and it makes more sense for parents and children. If you buy a vehicle for your kid, it might be smart to keep it in your ownership. After all, you don\u2019t want them selling them without consulting with you. Now, as a vehicle owner, you can acquire a \ncar insurance policy\n. That way, you will pay for the insurance since the vehicle will be in your name. The next step is to use the Named Driver option to add your child to the list of other people driving the car. \nInsurance companies\n in Malaysia allow adding another driver for free and four additional drivers at an MYR10 cost. That means you can add family members and friends to the policy. It ensures that anyone who drives the car is protected from compulsory \nexcess\n. That excess involves paying MYR400 if you are an unnamed driver participating in the accident with someone else\u2019s vehicle.\n\n\nTags:\nCar Insurance\nComprehensive Coverage\nFire and Theft Cover\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/11/third-party-property-damage-in-insurance-terms-explained/", "title": "Third Party Property Damage In Insurance Terms Explained", "body": "Third Party Property Damage\n Liability Insurance is one of the most basic \nauto insurance\n policies that drivers must-have. You can purchase this policy to cover the expenses related to damage to another person\u2019s property, regardless of whether it\u2019s a house, car, or any other type of personal property. However, liability coverage for \nThird Party Property Damage\n generally does not cover damage to your vehicle.\n\n\nWhat is property damage auto insurance, and what does it cover?\n\n\nProperty damage \ninsurance\n covers your financial liability should you cause damage to someone else\u2019s property. \nComprehensive\n coverage, which you pay separately, covers your property in the event of an accident. Like \nbodily injury\n coverage, property damage coverage facilitates the ability to assume financial responsibility for damage that is the driver\u2019s fault. It operates on an accident-by-accident basis, with your insurance company willing to cover your injuries up to the limit of your policy. What is Covered in Third Party Property Damage Insurance:\n\n\n\n\nRepair of damage to the other party\u2019s car, including collision repair work or replacement parts.\n\n\nWe repair damage or ruin to other \nbusinesses\n, houses, fences, lampposts, mailboxes, etc.\n\n\nAttorney and court fees associated with the property damage \nclaim\n (depending on your terms and conditions)\n\n\nAdditional recurring expenses are resulting from the damage.\n\n\n\n\nLook At Your Property Damage Liability Limits\n\n\nYou can usually choose to purchase limits that are higher than the government minimum. For instance, if the damage you cause exceeds the MYR 10,000 coverage limit, you may be required to pay the difference out of pocket. In the event of an accident, having a higher limit of liability coverage could save you from having to pay out of your own. The higher your coverage limits, the higher your \ninsurance premiums\n will be, so it may be wise to discuss with a local insurance agent.\n\n\nHow Much Damage Liability Insurance Should You Pay?\n\n\nMost property damage claims are less than a few thousand dollars, so unlike other types of insurance, you may not need to carry much coverage. Nevertheless, you may choose higher limits to ensure that you are sufficiently protected in the event of an accident. In recent years, however, average claim amounts have nearly doubled. However, they are still below the minimum quantities required in every state. However, as previously mentioned, getting more coverage can provide additional support should an accident result in costly car damage. It is relatively inexpensive and is relatively easy to get.\n\n\nIn What Way Can You File a Property Damage Liability Claim?\n\n\nYou can\u2019t make claims against your policy if you cause damage to someone else\u2019s property since \nproperty damage insurance\n covers damage caused to someone else\u2019s property. Instead, property damage claims are generally made as third party claims on another person\u2019s \ncar insurance policy\n, in which you or another person claims the policy of the person who is at fault. The property damage coverage limits determine the maximum payout the insurance company will make on any single accident. If the damage caused by accident exceeds the amount covered, the claimant may sue the policyholder directly for the excess amount. It might include being sued in a civil court to get back what you owe. You can use your collision insurance if you are mainly to blame for the accident and cannot recoup enough money from another driver\u2019s \nproperty damage insurance\n. Though collision insurance is recommended, it is optional and usually expensive.\n\n\nTags:\nExcess\nProperty Damage Claim\nProperty Damage Insurance\nThird Party Property Damage\nTPPD\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/09/27/should-you-claim-insurance-with-minor-car-accident/", "title": "Claim Insurance With Minor Car Accident", "body": "Nobody likes to get involved in a \ncar accident\n, but it is better to be minor if you are already a part of one. The general rule is that a minor incident is where no persons were injured (even lightly), and there was only small damage to cars or other property. While you have the right to \nfile a claim\n after every \ncar accident\n, should you do that after a minor one? Here is what the experts have to say on the topic!\n\n\nJoin Fincrew Official Telegram Channel\n\n\nIs It Worth Losing A No-Claim Discount Over That Car Accident?\n\n\nThe car \ninsurance\n agencies in Malaysia offer something called \nNCD \u2013 a no claim discount\n. A \nno claim discount\n, better known as NCD, is a special discount for those who haven\u2019t \nfiled a claim on their insurance\n policy in the past. The discount rates vary \u2013 they begin at 0% once you acquire a policy, but can increase to 50% or more after using the policy for five years. The moment you \nfile a claim\n, you lose NCD \u2013 a \nno claim discount\n, and it resets to 0% the following year. Here is a simple way to determine if it is worth filing a claim:\n\n\n\n\nCalculate the cost to fix the damages in the car accident\n\n\nDetermine the discount for the upcoming year of your \ninsurance\n deal\n\n\nCompare the two numbers \u2013 if the repair is cheaper than the discount you expect, it would be smart not to file a claim.\n\n\nIt is worth noting that accidents, where you are not to blame, do not affect your \nNCD\n. That is why you should feel free to file a claim for them.\n\n\n\n\nKeep Your Driver Risk Profile Low\n\n\nThe Malaysian Government allowed \ninsurance companies\n to determine their insurance prices themselves. That means the agencies are free in setting their prices, which might result in a price increase in 2020. The companies determine the rates for their \ninsurance\n deals based on several factors. They will estimate your profile, and that includes driving history. If they find previous claims and accidents logged into the system, the odds are they might consider you a risky driver. Even a minor incident could cause a premium increase. That is why you should consider if it is smart to file a minor car accident claim.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhy Should You Always Make A Police Report After The Car Accident?\n\n\nYou\u2019ve probably spent a lot of time in traffic jams, and understand how they can make people nervous. What happens if you lose attention for a moment and \nhit the car\n in front of you? You might have had a stressful day at work or are worried about a major event in your life. Either way, you were driving 10-15 miles per hour, which means nobody suffered any injuries in the incident. The next move is to leave the car to establish any damage. You notice that the paint on the other car has been scratched off. Even though it is minor damage, you exchange contacts because you want to fix the damage.\n\n\nA couple of days later, you receive a call with the damage requested fifty times more than the expected value. What happened behind the scenes? The other \ncar driver\n recognized the chance to earn money and made a deal with the mechanic. They twisted the story, and you will have problems to prove otherwise. That is why it is always smart to make a police report of an accident, regardless of how minor it is. Once you have the police report, you can use it as proof so that no one scams you. It is up to you to decide whether you want to file a claim afterward. As we said, it will depend on your assessment of the situation. Try to analyze all details and make the best call based on the incident\u2019s specifics.\n\n\nTags:\nCar Accident\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/01/10/the-best-time-to-buy-travel-insurance/", "title": "The Best Time To Buy Travel Insurance", "body": "You never want to be caught off guard when protecting your health. The consequences of being unprepared for medical emergencies while traveling can be more severe than when you\u2019re at home. When you don\u2019t feel well or don\u2019t speak the same language as your doctors, how can you navigate a health care system you don\u2019t know? How will you communicate with your doctors? And how will you pay for your care? International travel is not always under domestic health \ninsurance\n. Therefore, travel health insurance is a necessity. With this guide, Fincrew Insurance explains what \ntravel insurance\n is, when it starts and how to ensure your health is protected if you are injured or ill while traveling.\n\n\nWhat Is Travel Insurance?\n\n\nA \ntravel medical plan\n provides medical benefits, and emergency services are essential if you get sick or get into an accident on a trip outside your home country. Your \ntravel insurance\n could cover the cost of treatment if you contract an illness while traveling, such as COVID-19, malaria, or even the flu. \nTravel medical plans\n also cover emergency medical evacuations if local medical care isn\u2019t available. The evacuation cost is not only surrounded by insurance, but our travel assistance services can facilitate your evacuation to a medical facility that can provide the necessary medical treatment.\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nHow Do Travel Medical Insurance And Trip Protection Differ?\n\n\nIt\u2019s not just about medical coverage when it comes to \ntravel insurance\n. Trip protection also offers other benefits. The benefits can cover lost or delayed baggage and nonrefundable trip expenses if cancellation or interruption occurs. Additionally, travel assistance services are available 24 hours a day, seven days a week, to help with situations such as replacing a lost passport, interpreter referrals, and arranging emergency medical evacuations. Travel \nmedical insurance\n is different from this coverage, so when your coverage takes effect is also different.\n\n\nDo Travel Medical Insurance Policies Start Covering Medical Expenses Right Away?\n\n\nWhether you purchase travel medical insurance one day before departure or months before, your coverage begins when you leave your home country. Even though it might seem like a good idea to wait until the last minute to buy your insurance, especially if you\u2019re trying to decide whether travel medical insurance is worth the cost, buying in advance is a better idea, the plan will not start until at least a day after you purchase it, so it\u2019s best to review the plan document, ask questions, and make sure you choose the right plan before buying it.\n\n\nWhat Does It All Mean?\n\n\nBuying insurance\n can be confusing, especially when you don\u2019t understand the terms and definitions. Travel medical insurance can be confusing, but Fincrew can help simplify the process. You can learn more about travel insurance on our \nblog\n or by \ncontacting one of our experts\n.\n\n\nTags:\nMedical Plan\nTravel Insurance\nTravel Medical Plan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/19/will-car-insurance-cover-engine-failures-2/", "title": "Will Car Insurance Cover Engine Failures?", "body": "\n\n\n\nIf you aren\u2019t in the financial space, it\u2019s actually hard to get excited when it comes to discussing the finer details of your \nauto insurance\n policy. Yet, knowing just what you are and aren\u2019t insured against is crucial to maximizing your insurance coverage benefits to the fullest. So, do you know the full scope of your insurance coverage? Does your current policy \ncover you for the cost of repairs if your vehicle suffers engine failures\n? This is a somewhat complicated aspect of vehicle insurance. So take a moment to relax while explaining the nuances of \nengine failures\n coverage in your auto insurance policy.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nHi! I\u2019m Stella, Fincrew brand ambassador, and I\u2019ll be walking you through the extent to which the various types of auto coverage insure you for engine failures. Become a \ncar insurance\n pro without taking extra classes! Watch the Insurance360 Video Series to find out all you need to know to make handling your \ncar insurance\n easy! Make sure to hit that subscribe button right now to join our circle! Don\u2019t forget to enable notifications settings too!\n\n\nAs you would expect, the type of coverage you are operating comes into play where damages like engine failure are concerned. In Malaysia, vehicle owners have a choice of any of three types of \nauto insurance coverage\n. In broad strokes, the standard types of \nvehicle insurance\n in the country include:\n\n\nThird-Party Auto Insurance\n\n\nThis is the coverage that vehicle owners who want to fulfill only the law\u2019s barest limits opt for. This is because it only pays for the damages inflicted on the property or person of another individual. Consequently, if you\u2019re operating this policy, you know there\u2019s no scenario in which you are insured for engine failure.\n\n\nThird-Party, Fire and Theft Auto Insurance\n\n\nWith this policy package, you have financial protection in the case of \nthird party\n damages and also damages to your own vehicle due to fire, explosion, or theft. Now, subject to the exact specifications highlighted in your policy, you may be able to \nfile a claim\n for payout in the event of an engine failure, if you can prove that the malfunction occurred as a result of a fire incident or theft. Keep in mind that should you suffer engine damage due to the collision, this policy will not pay out for that.\n\n\nComprehensive Auto Insurance\n\n\nAs the name suggests, this policy offers you the most extensive coverage you will find around. In addition to insuring you are on the same level as the previous two policies, you also get a few other perks. One of these is that \nyou can file a claim\n to get your vehicle repaired if it was damaged due to an auto crash. Keep in mind that this perk only holds if you aren\u2019t the at-fault driver. In this case, you may be able to file for financial compensation if you can prove that the engine failure you experienced resulted from a previous auto crash. However, you will be required to tender a few documents to your adjuster to support your \nclaim\n. Some of which include:\n\n\n\n\nA document confirming that you carried maintenance on your vehicle as at when due, and\n\n\nA certified mechanic\u2019s report showing that there was no problem with the system before the accident.\n\n\n\n\nUltimately, if you want to insure your vehicle for a broader range of engine failure issues, you would have to consider getting specific add-ons and special packages.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nThere you have it. Now that you know whether your car will be covered by your provider or not don\u2019t forget to Like, Subscribe and enable notifications to our channel for more useful information like this one! Thank you for tuning in, and I\u2019ll see you in our next video!\n\n\nTags:\nComprehensive Coverage\nEngine Failures\nFire and Theft Cover\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/29/fuel-pump-replacement-cost-in-malaysia/", "title": "Fuel Pump Replacement Cost In Malaysia", "body": "When your fuel pump fails, it can be a costly problem for you and your vehicle. Costs of repairing or replacing a fuel pump can vary widely from vehicle to vehicle. However, parts and labor prices for a \nfuel pump replacement\n can range from RM100 to RM700. Keep reading if you\u2019re having trouble with your car, wondering if the fuel pump is faulty, or budgeting for repair. This section will discuss what a fuel pump is, how it works, the types of fuel pumps, and how much they cost.\n\n\nWhat Is a Fuel Pump?\n\n\nFuel pumps deliver fuel to fuel injectors to inject energy into combustion engines. Carburetor engines typically use mechanical \nfuel pumps\n mounted outside fuel tanks that operate under low pressure. In addition to carburetor engines, diesel engines often use two main \nfuel pumps\n powered by electricity to improve efficiency. Two pumps are located inside the fuel tank: one pumps fuel into the tank at low pressure, and the other pumps energy into the engine at a higher pressure. An engine\u2019s air-fuel mixture must be optimized for maximum efficiency and proper functioning for the fuel pump to operate effectively. The air-fuel ratio becomes disrupted by adding more fuel to the engine, preventing energy from burning efficiently.\n\n\nWhat Does a Fuel Pump Do?\n\n\nFuel pumps extract fuel from the tank and transport it to the engine through the fuel system. Fuel pumps, however, are not all the same. Automobile fuel pumps can be mechanical or electric.\n\n\nMechanical\n\n\nIn this part, there is a lever, crankshaft, and either a diaphragm or plunger in a mechanical fuel pump. Through a series of one-way valves, the lever is operated by a camshaft that moves it up and down, pushing the diaphragm or plunger. Having a mechanical fuel pump isn\u2019t as common now that carburetors aren\u2019t used in cars, but if you have a mechanical fuel pump, replacing it will be less expensive than buying a new automatic unit.\n\n\nElectric\n\n\nAn electric fuel pump works similarly, but it is powered by an electric motor instead of a crankshaft. Modern vehicles with fuel injection typically use electric fuel pumps. Pumps of this type can also help decrease gas usage and supply fuel to cars with advanced fuel systems, such as those that stop and start while idling at a stoplight.\n\n\nCost Of Replacing a Fuel Pump\n\n\nBased on the car model and labor costs, \nfuel pump replacement\n can cost RM100 and RM800. An average fuel pump costs between RM50 and RM400, and labor costs between RM50 and RM400. If you have an electronic fuel pump on your petrol engine, the fuel pump is often not very expensive. Paying a mechanic to replace it is the costly part. Pumps are usually located inside the fuel tank, so you can reach them with a cover under the back seat if you\u2019re lucky. However, detach the fuel tank completely to access it in some cars. Imagine how long this takes.\n\n\nFincrew Extended Warranty\n\n\nIf you have some experience, you can do it yourself, but it will be a nasty job and bad for your health. The cost of replacing the mechanical fuel pump in a diesel engine is much higher than that of a gasoline engine. The replacement cost of these pumps can be extremely high if you are unlucky, and they can cost up to RM1500 if you are not. To avoid paying such high cost, you can consider \ncar extended warranty\n to have a peace of mind.\n\n\nTags:\nCar Repair\nFuel Pump\nFuel Pump Replacement\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/02/24/types-of-business-loans/", "title": "Types Of Business Loans", "body": "Various financing options are available for businesses that want to borrow money, and there are many reasons why they might want to do so. Many loan options can be beneficial, but it is essential to conduct research first if you are considering applying for a loan. Selecting the correct type of business loan is essential to obtain financing for your business. Several factors can influence the type of business \nloan\n suitable for you, including your qualification requirements, loan purpose, and desired loan terms. The following are the six most common types of \nbusiness loans\n.\n\n\nTerm Loans\n\n\nThere are many \nsmall business loans\n, but term loans are among the most common. A term loan is a lump sum of cash you repay over a fixed time. They add interest to the principal balance at the end of each month and set monthly payments. The flexibility of a \nterm loan\n allows you to use it for various needs, such as equipment and everyday expenses.\n\n\nShort-term Loans\n\n\nIf your \nbusiness\n needs a quick source of cash and you value repayment terms of under three years, a short-term business loan may be a good option. Some online lenders can provide funding to \nqualifying businesses\n within one day. You may avail of a short-term loan based on a variety of factors.\n\n\nWorking Capital Loan\n\n\nA working capital loan allows businesses to meet daily business requirements, enhance their cash flow, purchase raw materials, add inventory and stock, pay salaries, and hire staff. It is a short-term loan with a year or less repayment term. Also known as a collateral-free loan, this loan does not require the borrower to provide the bank with collateral. The interest rate offered is a bit higher than long-term or \nbusiness loans\n. An amount can apply only for specific business purposes in this type of loan. The bank sets a limit for how much a business can borrow.\n\n\nBusiness Lines Of Credit\n\n\nBusiness lines of credit are similar to \ncredit cards\n in that they provide borrowers with revolving credit limits to access through their checking accounts. It is possible to withdraw money up to the maximum credit limit on the card, repay it, and then use it again. You only get the interest in the amount you withdraw, so these options are great if you don\u2019t know how much money you\u2019ll need. Comparatively, term loans charge interest on the entire loan, regardless of how much you use. Most business lines of credit are unsecured, meaning it\u2019s okay not to have collateral.\n\n\nEquipment Loans\n\n\nAn equipment loan may be an option if you need to \nfinance\n large equipment purchases but lack the capital. You can use these loans to cover the cost of expensive machinery, vehicles, or equipment that is likely to retain its value, such as computers and furniture. It is always the case that the equipment you purchase will be used as collateral if you cannot pay it back.\n\n\nFranchise Loans\n\n\nYou can achieve business ownership more quickly and easily by becoming a franchisee than by starting your own business, though you will still need capital. With franchise loans, you can pay the upfront fee for opening a franchise to get started immediately. Franchisees may receive funding from their franchisors, even if they take out the loan through a lender.\n\n\nBottom Line\n\n\nThere are so many options available regarding \nsmall business loans\n that it can be overwhelming to choose one. Depending on your business needs, you can narrow down your choices. By researching a few lenders, you can find out what interest rates, fees, loan amounts, and terms lenders offer. Doing this allows you to find the best loan for your business and obtain the funds it needs to grow.\n\n\nTags:\nBusiness Lines Of Credit\nBusiness Loan\nEquipment Loan\nFranchise Loan\nShort-term Loan\nTerm Loan\nWorking Capital Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/04/10/clear-your-debts-with-the-debt-snowball-method/", "title": "Clear Your Debts With The Debt Snowball Method", "body": "In light of recent events, debts have become a big part of most households in the country. So, it would help if you found the most efficient way to clear such expenses. Down this road, one recourse worth considering is the \ndebt snowball method\n. Here, we\u2019ll be sharing all you need to know about this method of clearing debt, from what it is to how to use it and its pros and cons.\n\n\nThe Debt Snowball Method \u2013 What It Is\n\n\nIn basic terms, this debt repayment method involves clearing what you owe faster by making extra payments on each of your \nloans\n one at a time. You start this debt clearance process by making additional payments on the loan with the smallest \nrepayment\n balance first and then move up from there. Thanks to this, depending on how much extra money you have to work, you can clear all you owe in a shorter time frame.\n\n\nHow To Use The Debt Snowball Method In 6 Steps\n\n\n\n\nStep One \u2013 List all the loans you owe and their repayments.\n\n\nStep Two \u2013 Arrange the loans with the lowest to the highest loan balance.\n\n\nStep Three \u2013 Establish how much extra money you can afford to pay on the smallest loan in addition to your standard \nmonthly payment\n.\n\n\nStep Four \u2013 Start paying the value from Step Three. During this time, ensure that you make the minimum monthly payments on all the other loans.\n\n\nStep Five \u2013 Move on to the next smallest loan once you\u2019ve cleared the initial loan.\n\n\nStep Six \u2013 Repeat Steps Three through Five.\n\n\n\n\nAnd with that, you\u2019ll be well on your way to \ndebt-free\n!\n\n\nPros and Cons\n\n\nAs we mentioned earlier, there are two sides to this coin. So, some benefits of leveraging this debt-clearing approach are that;\n\n\nIt Increases Your Motivation Levels\n\n\nUsing this approach, you\u2019ll see yourself wiping out one debt after another. Because of how easy it is to see progress here, you\u2019ll be encouraged to keep at what you\u2019re doing till you\u2019re finally wholly \ndebt-free\n.\n\n\nThe Method Is Simple To Implement\n\n\nUnlike some other methods of clearing debt, the \ndebt snowball method\n is simple and uncomplicated to follow. As such, you won\u2019t have any trouble using it, even if you aren\u2019t familiar with \nfinancial\n affairs.\n\n\nOn the downside;\n\n\nYou\u2019ll End Up Paying More Interest On Your Larger Loans\n\n\nAs you\u2019d likely have figured out from how this system works, you ignore your heavier debts for the most part here. It means that by clearing your smaller debts and getting to the larger ones, you\u2019d have racked up significant interest, especially if those loans have a higher interest rate.\n\n\nWhat To Do\n\n\nIt is a simple method is a simple and effective way to clear debts, but it isn\u2019t for everyone. You must ensure that the larger loans you make, only minimum monthly payments, don\u2019t end up stifling you.\n\n\nTags:\nDebt Consolidation\nDebt Repayment\nDebt Snowball Method\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/07/03/what-criteria-affect-car-insurance-rates/", "title": "Criteria That Affect Car Insurance Rates", "body": "\n\n\n\nIf you\u2019ve ever compared what you pay as \ninsurance\n to what some of your friends, family or colleagues pay, you may have noticed some striking dissimilarities. Why is that so? What factors even determine what you pay as insurance? Are you being cheated by your insurance provider?As a vehicle owner and insurance policy holder, these are pertinent questions you have to find answers to. Luckily, that\u2019s what we\u2019re here for!\n\n\nHello and welcome to yet another episode of Insurance360 Video Series. I\u2019m Fincrew brand ambassador, Stella and today, I\u2019ll be hosting this video. So don\u2019t miss out on other highly informative videos like this! Before watching further, take a moment to hit the Subscribe button and enable notifications so you get immediate updates every time there\u2019s a post in this channel! If you\u2019ve done that already, let\u2019s dive right in! As you probably already know,\ncar insurance rates\n are far from uniform. In fact, there\u2019s no blanket price for any insurance policy. What this means is that what you pay as insurance is unique and tailored specifically to you and your surrounding situations. Many vehicle owners believe that reducing coverage rates and influencing what you pay as deductible is all that determines your \ncar insurance rates\n. While these factors do affect your \ncar insurance rates\n, they aren\u2019t the only variables that influence it. In fact, multiple things affect what your \ncar insurance rates\n ultimately amounts to. Some of these variables include:\n\n\n\n\nYour age\n\n\nYour gender\n\n\nYour marital status\n\n\nYour geographical location\n\n\nYour driving history\n\n\nYour claims history\n\n\nYour Vehicle Mileage\n\n\nThe size of your vehicle\n\n\nThe age of your vehicle\n\n\nThe susceptibility of your automobile to theft\n\n\n\n\nThe list goes on and on. Interestingly enough, each of these factors weighs in differently. Consequently, some factors influence your car insurance rates more strongly than others! We\u2019ll be briefly discussing a few of the more important factors now.\n\n\nYour Geographic Location\n\n\nThe very first thing any insurer is likely to ask you is where you live. This is because the more urban and populated your area is, the higher the likelihood of accidents and ensuing claims. Several other risk factors are also derived and estimated from this variable alone.\n\n\nYour Age\n\n\nMany \ninsurance companies\n operate on the premise that the younger a driver is, the more prone to accidents they are. This reflects in your car insurance rates. It is for that reason that slightly older people tend to have lower car insurance rates than younger individuals.\n\n\nYour Gender\n\n\nYup!Sex factors in quite strongly here, too. Several studies support the fact that females on the whole tend to be safer drivers than males.\n\n\nInsurance companies\n act on this information. And so, all other things being equal, males might find their car insurance rates higher than those of females.\n\n\nYour Driving History\n\n\nThis is arguably one of the biggest determinants of how high or low your \nautomobile insurance quotes\n are. A good driving history not only results in lower car insurance rates, it can help you claim amazing privileges like the \nNo Claims Discount\n.\n\n\nYour Vehicle Mileage\n\n\nHow far and how often you drive your vehicle also comes into play strongly here. If you\u2019re a \u201chome-work-home\u201d driver, you can expect to pay significantly less than drivers who take their vehicles over longer distances more often.\n\n\nAnd there you have it! Check out the other upcoming episodes from this Insurance360 video series for more details on other factors that may affect your car insurance rates! Thanks for watching. If you\u2019ve not Liked and Subscribed to our channel already, don\u2019t forget to do so now! See you next time!\n\n\n\u00a0\n\n\nFincrew Official Youtube\n\n\nTags:\nInsurance Claims\nMileage\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/01/what-is-personal-accident-insurance/", "title": "What Is Personal Accident Insurance?", "body": "Accidents will inevitably occur, and sometimes they will prevent you from working. Accident insurance benefits that your loved ones have will cover their essential expenses. Here\u2019s an overview of \npersonal accident insurance\n and why you should get one.\n\n\nPersonal Accident Insurance\n\n\nA personal accident policy offers \nfinancial\n protection against unexpected occurrences, such as accidents resulting in bodily injury, sustained permanent partial disability, or death due to an accident. The insurance covers hospitalization, pre-and post-hospitalization and provides cash allowances of up to 30 days, depending on the insurer. If you lose your salary due to an accident, you may be under \npersonal accident insurance\n. Children of policyholders can also receive child education benefits to help them go to school.\n\n\nWhy Do I Need Personal Accident Insurance?\n\n\nIf you are a breadwinner or the loss of your income is significant enough to place you or your family in a complicated financial situation, you may consider buying personal accident insurance. Having private accident insurance can ensure your family is taken care of financially if anything happens to you. In addition, it can pay out specific \npolicy benefits\n in a lump sum. If your employer offers \npersonal accident coverage\n, it is a wise move to supplement this coverage with your own. One of the benefits of private \naccident insurance\n is that you can claim certain benefits across several policies with personal accident insurance. Note, however, that there is a maximum amount In addition to providing coverage against accidents at home, your \naccident insurance\n policy can also provide coverage for your spouse and children if your policy provides this option.\n\n\nWhat Is Covered By Personal Accident Insurance?\n\n\nYour policy may cover many things, so be sure to check a few different types of accident and \nlife insurance\n policies to ensure they cover the particular risks you may face. Because of this, it is essential to make sure that your workplace has adequate safety precautions, mainly if you spend a great deal of time participating in potentially risky activities, such as horseback riding, cycling, climbing, or contact sports. In addition, you should ensure that your policy covers the risks you take. The majority of personal accident insurance policies offer similar levels of coverage. Among these are:\n\n\n\n\nAccidents or injuries that occur at work\n\n\nA violent act causes damage to you\n\n\nAccidents on the road\n\n\nDisability caused by an accident that is permanent or total\n\n\nFalling, slipping, and spilling injuries\n\n\nThe loss or impairment of body parts\n\n\n\n\nIt is essential to differentiate between temporary and permanent injuries since they require different long-term support levels. For example, you will need far less money if you have been out of work for a month than someone who has lost a limb or suffered permanent hearing loss. Additionally, it may cover the medical expenses you may incur because of your accident, such as physiotherapy.\n\n\n\n\nCustomize to accommodate other scenarios based on your particular needs and lifestyle. Are you interested in learning more? Then, \ncompare and buy personal accident insurance\n now in Fincrew, and contact your family and loved ones protected.\n\n\nTags:\nAccidents\nBodily Injury\nHospitalization\nPhysiotherapy\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/03/18/can-auto-insurance-pay-for-car-repairs/", "title": "Can Auto Insurance Pay For Car Repairs?", "body": "\n\nThanks to set regulations, every single vehicle owner in the country has at least an \nauto insurance\n coverage or more. But what do these policies cover precisely? Do all the insurance policies in operation make accommodation for covering your \ncar repairs\n? We\u2019ll be discussing this gray area of \nauto insurance\n extensively today!\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nHello! I\u2019m Stella, Fincrew brand ambassador, and I\u2019ll be explaining just how far the \ninsurance\n policy you\u2019re operating covers you today. By the time you\u2019re done watching this video, you can determine if you\u2019re insured for the cost of your \ncar repairs\n. How well do you understand the \nauto insurance\n terrain? Are you using the best \ninsurance coverage\n for you? Learn more about automobile insurance in the country today by following the Insurance360 Video Series! We upload highly educative and informative videos on all things insurance regularly! Join a community of highly informed vehicle owners by hitting that Subscribe button and enabling notification settings now!\n\n\nEvery vehicle owner knows that \ncar repairs\n will always inevitably come up. That\u2019s just one of the drawbacks of owning and operating a vehicle. Having a policy covering the cost of car repairs would be great as it would remove the \nfinancial\n burden of having to cover such expenses out-of-pocket. You can get only one of the three types of \ncar insurance\n in Malaysia. You either get:\n\n\n\n\nThird-Party Coverage,\n\n\nThird-Party, \nFire and Theft\n coverage, or\n\n\nComprehensive\n Coverage\n\n\n\n\nLet\u2019s take a look at these coverage plans:\n\n\nThird-Party Coverage\n\n\nThis is the insurance coverage policy of choice for most drivers in the country. Its popularity is because it is cheap and fulfills the law\u2019s basic requirements where obtaining auto insurance is concerned. As the name implies, it only financially protects vehicle owners from the financial burden of covering repairs and medical bills to the third party\u2019s person, property or vehicles.\n\n\nThird-Party, Fire and Theft Coverage\n\n\nLike the basic \nThird Party\n coverage, you\u2019re fully covered for all damages inflicted on another individual. But with the Third Party, Fire and \nTheft\n policy, you also enjoy the privilege of not having to pay out-of-pocket if your car falls victim to incidents of fire or theft.\n\n\nComprehensive Coverage\n\n\nThis policy essentially does the same thing for you as the Third Party, Fire and Theft package. The one major improvement it has over the former is that you are covered for your vehicle repair costs resulting from a collision, so long as you weren\u2019t at fault. From this brief explanation of the various types of coverage available to drivers, you can tell right away that if you\u2019re on the basic Third Party coverage, you can\u2019t expect any payout for your car repairs. If you\u2019re operating the Third Party, Fire and Theft coverage, you won\u2019t personally have to cover the cost of repairs if your vehicle gets damaged. This is, of course, contingent on the damage occurring strictly due to theft or fire. You would have to pay for repairs out-of-pocket if the damage occurred due to factors such as wear and tear or collision. You have more latitude where your car repairs are concerned if you\u2019re on the \nComprehensive auto insurance\n policy. You\u2019re entitled to \nfiling a claim\n if your car gets damaged in an auto crash and you weren\u2019t at fault.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nHowever, you still aren\u2019t covered if you require car repairs as a result of wear and tear. Ultimately, the best way is purchasing \ncar extended warranty\n. Together with auto insurance and extended warranty your vehicle will be fully covered. If you enjoyed this video, click the Subscribe button and turn on notification settings too! We\u2019ll bring you more valuable videos like this one, so you\u2019ll be more informed about the auto insurance world! See you in the next video!\n\n\nTags:\nCar Repair\nComprehensive Coverage\nFire and Theft Cover\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/10/10/how-can-i-make-my-insurance-claim-if-my-car-lost-during-car-wash/", "title": "How Can I Make My Insurance Claim If My Car Lost During Car Wash", "body": "Responsible car owners understand the importance of maintaining their vehicles. Apart from ensuring that you change oil and replace any obsolete or non-working parts, you also need to keep your car clean. It\u2019s best to leave that to the professionals, which is why you regularly take the vehicle to a \ncar wash\n. It\u2019s interesting how we trust car washes with the keys to our vehicle. We leave the car there for hours and tell them that we will pick it up hours later. During that time, we don\u2019t know who enters or what they do with our vehicle. The only sure thing is that they have the keys. What happens if your vehicle gets lost during a \ncar wash\n? How to file an \ninsurance claim\n, and is that even possible?\n\n\nCan You File An Insurance Claim If They Lose Your Vehicle In A Car Wash?\n\n\nWe are sorry to break the news to you; but the answer is NO. You can\u2019t file an \ninsurance claim\n if they lose your car, and we will explain why. Everything starts when you arrive at the car wash. You talk to the staff and agree that they wash your car. That\u2019s why you leave your keys, and you might go and finish other \nbusiness\n until the vehicle is washed. Once you return, you realize that your car is missing, and nobody knows what happened to it. Your instinct tells you to \nfile an insurance claim\n, especially if you have a \ncomprehensive policy\n. These policies protect you against \ntheft\n and damage, but that\u2019s not applicable in this case. It\u2019s because you made a crucial mistake in the process \u2013 you handed the keys to the attendant and left.\n\n\nThe \ninsurance policies\n consider this negligence, which is why the insurer will refuse to pay for your loss. Giving the keys to someone willingly means that you weren\u2019t responsible for your vehicle. It doesn\u2019t matter what happened after that. Perhaps the attendant switched the keys, and someone used the opportunity to go home with a better vehicle. Maybe a person from the staff saw a chance to grab the keys and drive away with the car. Either way, you are the one who acted negligently by giving them the keys, and that\u2019s why you can\u2019t file a claim.\n\n\nWhat Can You Do If You Lose Your Car During a Wash?\n\n\nThe best possible prevention is to stop your car from getting lost in the first place. You can do that by sticking around while they wash it. Make sure the vehicle never leaves your sight, and you will prevent any mishaps. We understand that it can be tedious, but it\u2019s the only way to stop any potential problems. You have another alternative, and that\u2019s to sue the car wash company. The odds are this will be a long and tedious process. The company might claim that they haven\u2019t even got your vehicle. That\u2019s why it\u2019s crucial to take a receipt or acknowledgment that they have your car once you bring it to the wash center. Many people don\u2019t do this \u2013 they leave the vehicle and the keys without proof that the staff took their car. Even if you have to pay upfront, take the receipt as proof. If anything goes wrong, it will be confirmation that they took your car, helping you in a lawsuit.\n\n\nTags:\nInsurance Claims\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/25/different-types-of-insolvency/", "title": "Different Types Of Insolvency", "body": "A company or individual becomes insolvent when they cannot pay their debts due to financial hardship. An individual or company facing \ninsolvency\n can take advantage of several \ninsolvency\n procedures to manage the situation well. When such an issue arises, you should contact the Insolvency Service, which oversees financial failures. You should also seek expert advice when dealing with insolvency. When it comes to managing bankruptcy, there is a lot of jargon, information, and policies to track. To help you better understand the various insolvency proceedings, we have highlighted the six types of insolvency and explained what each means.\n\n\nBankruptcy\n\n\nIf a person cannot pay back their debts, one option may be to file for bankruptcy. The bankruptcy process only applies to individuals, sole traders, or partnerships. The whole process usually takes 12 months, after which the debtor (the person who owes the money) is discharged. Insolvency under this type is legal and should not be regarded as a simple solution to financial problems. We recommend that you talk to a specialized bankruptcy team to determine whether any alternatives would be more appropriate for your situation.\n\n\nIndividual Voluntary Arrangement (IVA)\n\n\nAs an alternative to \nbankruptcy\n, IVA is an arrangement between individuals and their creditors. They present creditors with a copy of this agreement, and if they accept it, it becomes legally binding. Individuals can continue trading after entering an IVA, making it more attractive than filing for \nbankruptcy\n. This type of insolvency may be best for those with regular household incomes. Rather than paying more than they can afford for some time, the individual only pays what they can afford once the IVA is over.\n\n\nCompany Voluntary Arrangement (CVA)\n\n\nThis option can help ensure the survival of a \nbusiness\n while allowing the directors to remain in control. The CVA is similar to an Individual Voluntary Arrangement (IVA), a formal agreement between business owners and creditors whereby debtors pay a specific amount over time. The arrangement will become legally binding if the creditors accept the proposal. Any outstanding debts are written off at the end of the CVA period. For a business to enter a CVA, it must return to profitability and have a viable future. A CVA may be the best option if you are willing to fight for your company\u2019s survival.\n\n\nCompulsory Liquidation\n\n\nIt is winding up a partnership or a company through a court order (winding-up order). A petition is usually filed by a creditor who alleges the company owes them money and cannot pay it. Usually, when the order is made, the Official Receiver becomes the liquidator, but an Insolvency Practitioner will take over if there are significant assets. Liquidators are responsible for realizing the company\u2019s assets, paying all fees resulting from the liquidation, and paying creditors in strict priority order, \nprovided funds\n allow.\n\n\nCreditors\u2019 Voluntary Liquidation (CVL)\n\n\nIn this way, a company can close while handling the process legally and adequately. Whenever a company is in danger of insolvency, its directors must cease trading and seek professional advice. Ultimately, a CVL may be the best course of action if this company does not have a viable future or cannot return to profitability. A director may not have to pay to liquidate a limited company if the process is done correctly at the earliest possible time. If the process is done correctly, they use assets to pay for insolvency. In contrast with compulsory liquidation, shareholders can wind up their company without a court order. Shareholders will appoint a liquidator, who will be responsible for paying all fees associated with the liquidation process. Furthermore, the liquidator must pay creditors according to the company\u2019s budget.\n\n\nAdministration\n\n\nThe administration is a procedure for limited companies and partnerships that may get the company out of trouble and back to trading as quickly as possible. Administrators can be appointed to companies that cannot pay their debts or are likely to do so shortly. A court may select one (on request from a creditor, director, or partner), a creditor who holds a qualifying floating charge over the business, or a company director. The primary objective of an administrator is to keep the company operating. Even if this isn\u2019t possible, the administrator will get creditors a better result than if the company was wound up. The administrator will sell the company\u2019s assets if neither of these alternatives is possible to pay at least some secured or preferential creditors, such as the bank or employees.\n\n\nTags:\nBankruptcy\nCompany Voluntary Arrangement\nCompulsory Liquidation\nCreditors' Voluntary Liquidation\nIndividual Voluntary Arrangement\nInsolvency\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/03/15/ensure-your-camera-with-gadget-insurance/", "title": "Ensure Your Camera With Gadget Insurance", "body": "Imagine this for a moment. Your DSLR camera captures the street\u2019s full view from the top of a building for a client. When you are finished taking different shots, you head back to your studio to sort through your pictures. Upon entering the studio, you realize your camera had been stolen. Oh no! If losing pictures weren\u2019t bad enough, you also have to buy yourself a new camera. Fortunately, you can have your gadget insured through a \nGadget Insurance\n Policy, which means you\u2019ll be able to avoid this painful situation in the future.\n\n\nBenefits Of Gadget Insurance\n\n\nAs there are many risks associated with transporting and using the cameras, having \ngadget insurance\n makes you feel protected to focus on what you do best with confidence. Below are a few benefits you can enjoy when you have such coverage:\n\n\n\n\nEquipment damage/loss as a result of a fire\n\n\nAn electronic or mechanical failure causes the system to break down\n\n\nUser-caused accidental damage\n\n\nTotal loss\n as a result of theft\n\n\nDamage caused by \nriots or strikes\n to the gadget\n\n\n\n\nThe amount insured is based on the camera\u2019s market value/purchase price. Whenever a unit is destroyed, the insurer is responsible for replacing it with a new one, including freight, customs duty, and all other costs incurred in purchasing the latest equipment.\n\n\n\n\nGadget Insurance Exclusions\n\n\nThis \ninsurance\n policy does not cover damage/loss for the following reasons:\n\n\n\n\nNormal wear and tear\n\n\nWar or a situation that resembles a war\n\n\nA user\u2019s deliberate negligence\n\n\nDefects in manufacturing and consequential losses\n\n\nClimate-induced degradation\n\n\nThe unit\u2019s maintenance costs\n\n\nA functional failure covered by the warranty\n\n\nFlaws present at the time of purchase\n\n\nTerrorism\n\n\n\n\nHow Do I Insure My Camera?\n\n\nYou can easily insure your camera with \nFincrew gadget insurance\n! To get a basic policy, all that you need is to go to fincrew.com, answer a few questions, and get insured in seconds.\n\n\n\n\nWhy Choose Fincrew Gadget Insurance Policy?\n\n\nFincrew gadget insurance policy provides \ncomprehensive coverage\n on a wide range of electronic equipment such as laptops, mobiles, and cameras. Coverage offers compensation based on the \nsum insured\n against loss or damage of the gadget. Fincrew Insurance also provides the following benefits.\n\n\nOne Policy For Multiple Devices\n\n\nThere\u2019s more to photography than cameras. With Gadget Insurance, you can cover most of the technology appliances you need.\n\n\nCapturing the World\n\n\nWe offer worldwide coverage, so you can jet-set the world taking pictures and not be concerned about being covered.\n\n\nPackage For The Whole Family\n\n\nWith our Family Bundle, you can save money on other family members\u2019 \ncameras\n and other gadgets you need protecting. \nCameras\n aren\u2019t Waterproof. Some indeed are. Hopefully, yours is waterproof, but if it isn\u2019t and you drop it in a lake while getting that perfect shot, we\u2019ll cover the damage under our liquid damage coverage.\n\n\nFincrew Available 24/7 And In-house Claims Team\n\n\nIt is impossible to predict when a problem may occur, Fincrew is online 24/7 is always available to assist you no matter is product information or \nclaim assistance\n.\n\n\nTags:\nCamera Insurance\nComprehensive Coverage\nGadget\nGadget Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/07/05/procedure-to-follow-when-you-meet-with-a-road-accident/", "title": "Procedure To Follow When You Meet With A Road Accident", "body": "Being involved in a \nroad accident\n is one of the worst nightmares of many drivers, and it can be hard to deal with. Though there is no such thing as a \u201cworry-free accident,\u201d knowing the right steps to take to get the insurance claim process started after the \ncar accident\n is very important.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nHere are the steps you should follow in case you are involved in a car accident.\n\n\nStep 1 \u2013 Stop your engine, be calm, and don\u2019t panic.\n\n\nSwitch on your hazard warning lights and your headlights and get out of the vehicle if you can. Then check if anyone is injured and call the emergency services in case anyone needs medical assistance. Call the police and report the accident.\n\n\nStep 2 \u2013 Don\u2019t blame anyone or accept blame for the accident.\n\n\nEven if the accident is not your fault, accepting blame to be polite or offering settlement to be courteous could come back to bite you later on. Your \ninsurance\n company will iron out all the nitty-gritty later.\n\n\nStep 3 \u2013 Gather all necessary information and details about the accident.\n\n\nThe following details should be taken down:\n\n\n\n\nThe personal particulars of the driver(s) involved in the \nroad accident\n \u2013 name(s), IC number(s), address(es), \ndriving license\n number(s) and telephone contact(s) (if possible)\n\n\nThe name of the \ninsurance company\n and Make/model and registration number(s) of the other vehicle(s)\n\n\nRegistration number of \ntow truck\n(s) (if any)\n\n\nThe precise location of the accident occurrence\n\n\nThe speed you were driving and date and time of the accident\n\n\nWeather and road conditions\n\n\nThe arrival time of the police, as well as their name and badge number\n\n\nAny Witnesses (if possible get their names and contact details)\n\n\n\n\nStep 4 Take photographs of the scene.\n\n\nPhotographs are proof of the accident, and it must include the other driver(s) car, license plates, any havocs done on both vehicles, the directions both vehicles were traveling, and traffic signs. It tends to be difficult to recall these details even a couple of hours after the incident, and the photographs can be helpful to both your \ninsurance company\n and the police.\n\n\nStep 5 Make an accident report.\n\n\nMake sure the accident report includes all officers\u2019 names, badge numbers, and contact information. This information is particularly useful for your potential \ninsurance claim\n and can help back up the sequence of events should you end up in court.\n\n\nStep 6 Call a tow truck.\n\n\nIf your car is unsafe to drive, call either your insurer\u2019s roadside assistance service (if provided) or Accident Assist to get your car towed to the nearest panel workshop for repairs and back home safely.\n\n\nStep 7 File a claim.\n\n\nFile a claim\n by notifying your insurance company as soon as possible. Most policies need you to report the incident immediately. Please take note, do not sign any documents from the other driver\u2019s lawyer or insurance company, your insurance company will take care of this for you.\n\n\nStep 8 Take care of yourself.\n\n\nMost times, the physical and emotional injuries caused by \ncar accidents\n are not immediately apparent and can be different for everyone. Before you rush back to your daily routine unless you are entirely sure you were not injured, you should seek medical attention.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nAn \ncar accident\n can leave even the most prepared driver drained, however following these steps may help shield you from needless worries. That way, you can concentrate on working with your insurance company to get your car fixed with no trouble and as fast as could reasonably be expected.\n\n\nTags:\nCar Accident\nRoad Accident\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/08/04/car-cleaning-guide/", "title": "Car Cleaning Guide", "body": "Cleaning\n a car may seem like a difficult task for some people, but it is an important task, especially for drivers. So, if you are a driver or private car owner who understands how your car looks says a lot about you, here are some tips for you.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhere To Start From\n\n\nWhen you are ready to wash your car, it is advisable to start washing the interior before washing the body. \nCleaning the interior\n part of the vehicle is as essential as the body, especially during an era when COVID-19 has continued to infect people worldwide. We all must play our role in reducing the spread of the disease. While \ncleaning the interior\n of your car, it is imperative to remove dirt from every part of the motor where dust and dirt could mar. The details of the vehicle that should not be left uncleaned includes:\n\n\n\n\nSeats,\n\n\nSteering wheel,\n\n\nCarpets,\n\n\nIgnition, and power button,\n\n\nDashboard,\n\n\nAir vents,\n\n\nGear stick,\n\n\nRadio,\n\n\nSeatbelts and clips,\n\n\nSeat adjust controls,\n\n\nHeadrests,\n\n\nRoof and doors,\n\n\nCentral storage,\n\n\nCup holder;\n\n\nBonnet, boot, and tank release lever,\n\n\nInterior lights, etc.\n\n\n\n\nThings To Remember\n\n\nThe interior of the car should be cleaned with your towel or cloth. You should not pour water inside your vehicle to avoid irritation, but can be done by dipping your towel inside the water and squeezing a bit before \ncleaning\n. You can use disinfectants while \ncleaning\n the interior of your car to prevent germs.\n\n\nGuide For Washing The Body\n\n\nCleaning the body of your vehicle increases prolongs the life of the vehicle. It retains the bright look of the car and equally increases its resale value.\n\n\nKeep Some Sponge Of Cloth Specifically For Your Car\n\n\nIt is always good to keep specific sponges or cloth for your car because sponges and towels or cloth often retain pieces of grit easily, and if not careful, it can cause damage to the look of your vehicle by scratching. So, it is better to keep a towel or sponge specifically for that purpose.\n\n\nWash From Top To Down\n\n\nIt is essential to wash your car from the top down to make the task easier and faster. Washing the car from the top down allows water to drip over the vehicle\u2019s lower parts while washing the upper part. This would prevent you from having to clean the same part over again.\n\n\nDo Not Forget The Wheel\n\n\nAfter washing the body of your car, don\u2019t forget to clean the tires as well. The tires should be washed with a brush to help remove dirt adequately. The tire rims must also be washed to give the desired look.\n\n\nRinse As You Wash\n\n\nInstead of washing the whole \ncar\n with soap at a go before rinsing, it is better to rinse as you wash. The vehicle can be washed in sections \u2013 roof, front windscreen, bonnet, right side, etc. when a part has been washed, and it should be rinsed immediately to give a professional look afterwards.\n\n\nDo Not Leave It To Dry Naturally\n\n\nLeaving your car to dry naturally after wash could cause streaky watermarks that may not seem appalling to you. To avoid this, ensure to dry it with your towel after wash. That gives it the desired look by removing the potential streaky watermarks.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nThings To Take Note\n\n\nMake sure you clean the full length of all control stalks for indicators, headlights, and windscreen wipers. Washing your car allows you to pay extra attention to specific areas of your vehicle that are incredibly dirty and enables you to retain the perfect condition of the vehicle\u2019s look.\n\n\nTags:\nCar Cleaning\nCar Maintenance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/04/06/how-do-you-choose-your-auto-insurance-provider/", "title": "How Do You Choose Your Auto Insurance Provider?", "body": "\n\n\n\nIn today\u2019s world, many insurance companies took advantage of the gap in most insured parties\u2019 knowledge and reaped a large amount of money off them. Many vehicle owners don\u2019t like to hear this, but it\u2019s true. But how can you change that narrative and still get quality \ninsurance\n that meets your needs? Is there a way to find and choose insurers that the premium you paid will be worth every dime? The good news is, there is! It requires a bit of work, though, but in the end, you\u2019ll be glad you put in the effort.\n\n\nHello there! My name is \nStella\n, I\u2019m Fincrew brand ambassador and the spokesperson for this \nInsurance360 video series\n by Fincrew, and I\u2019ll be guiding you through all you need to know and avoid when choosing the best \nauto insurance provider\n for your coverage. Don\u2019t fall behind on any relevant insurance update! Information like this is what makes the difference in what you pay for \ncoverage\n! Get the latest info on what\u2019s what from our \nInsurance360 Video Series\n! Simply click on the Subscribe button and enable notifications to make sure you\u2019re kept in the loop. So now that you\u2019ve done that, let\u2019s get to the big question;\n\n\nHow Do You Choose The Right Auto Insurance Provider\n\n\nTruthfully, a lot goes into this decision than you might think. However, we\u2019ve broken everything down into easy bits you can quickly grab. Simply follow our guide to finding the right coverage for your vehicle!\n\n\nTip number 1 \u2013 Determine What Type of Coverage You Need\n\n\nMany vehicle owners rush into contacting insurers without first finding out what type of coverage they actually want. This can be a huge mistake as it leaves you entirely susceptible to any random recommendation the insurer you contact makes. Before reaching out to anyone, first, make sure you know the types of coverage out there, and you\u2019ve picked one that suits you best. This\u2019ll help better inform your decision on which insurer to go with.\n\n\nTip number 2 \u2013 Don\u2019t Pick The First Insurer You Talk To\n\n\nNo matter how attractive their premium and coverage sound, do not go with the first auto insurer you run into. Take your time to research as many alternatives as you can before settling for the best one. As a side note, be sure you pick \ninsurers based on more relevant criteria\n than how cheap they are. True, price is important, but there are several other variables you should consider, too.\n\n\nTip number 3 \u2013 Go Through Your Policy\n\n\nThis is stressful and time-consuming, we agree. But, it\u2019s a must if you want to make sure you\u2019re choosing the best \nauto insurance provider\n for your vehicle. Insurance is what determines just how much you spend in the event of an accident. So, it\u2019s always advisable to precisely know what circumstances you\u2019re covered for and which you need to get add-ons. It is also only through going through this document; you can determine whether you\u2019re comfortable with the policy in its entirety. If you find a clause you\u2019re not okay with, it\u2019s easier to reach out to the insurer to discuss it before committing yourself.\n\n\nTip number 4 \u2013 Learn How Filing Insurance Claims Work\n\n\nNo one hopes to get involved in an accident of any sort, true, but it\u2019s always better to know how the process of \nfiling a claim\n works with your chosen insurer, so you\u2019re better prepared, should you ever need to. To find out more helpful tips on how to get the right \ninsurer and policy\n for you, make sure you\u2019ve liked this video, Subscribed to Fincrew official video channel, and enabled notifications settings. Thanks for watching, see you next time!\n\n\n\u00a0\n\n\n\u00a0\n\n\nFincrew Official Youtube\n\n\nTags:\nAuto Insurance\nCoverage\nInsurance Claims\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/18/some-example-of-accidental-injury/", "title": "Some Example Of Accidental Injury", "body": "The \naccidental injury\n usually refers to injuries sustained accidentally or due to external, violent, and unanticipated causes. These injuries, for instance, are unintentional and come as a result of external force and against the normal flow of events. A fall, a burn, a road accident, a bite, a sting, or drowning could cause accidental damage. Almost anyone can be injured in an accident, a significant cause of death. The effects of an accident resulting in injuries such as slips and falls, \ncar accidents\n, or trips can have a devastating impact on an individual\u2019s life in terms of physical pain, financial stress, and emotional turmoil. Such injuries are under individual accident \ninsurance\n.\n\n\nExample Of Accidental Injury\n\n\nAhmad got an injury in an automobile accident. One of the other vehicles hit his car. As a result, Ahmad was cut, bruised, and had a fractured skull. The case was critical and required immediate surgery, which cost approximately RM 3000. However, he avoided such a hefty cost due to his accident insurance policy. Under the policy, all medical expenses and lost income and repaid up to the \nsum insured\n limit. Pedestrian accidents and road accidents can result in severe and even fatal injuries. If you are injured, a \npersonal accident insurance\n policy can protect you from spending all of your savings.\n\n\nBenefits Of Personal Accident Insurance\n\n\nMany people overlook the importance of accident insurance, mainly because they don\u2019t understand its significance. However, it would be best if you also considered the safety and security of your family and how they can continue to support themselves financially in the event of something untoward happening to you. In the case of an accident, your income would be affected. The family members will have difficulty meeting expenses if they have any liabilities, such as a home \nloan\n. The treatment will also cost money. Therefore, you must purchase the best accident insurance if you do not want your family to be in such a financial bind. Here are some \nbenefits of personal accident insurance\n:\n\n\nPeace Of Mind And Safety For Your Family\n\n\nHaving a severe accident that causes death or disablement would significantly impact your earnings potential. With an accident insurance policy, your family will be protected financially in the form of \naccidental injury\n compensation. In case of death, the insurance company will pay 100% of the claim. If the family has any liabilities (if any), use the amount to pay them off and maintain a normal lifestyle. Therefore, you can assure that your family is financially secure even while away.\n\n\nThere Is Little Documentation\n\n\nMany people avoid purchasing insurance because they believe it is a complicated process involving much paperwork. Do not worry about paperwork when \nbuying personal accident insurance\n. You will have your policy after receiving basic information in the application.\n\n\nMedical Testing Is Not Necessary\n\n\nIt is yet another advantage of having accident insurance. The policy does not require you to undergo any tests, unlike health insurance, which requires you to submit to tests before it can be issued.\n\n\nClaim Processing Is Easy\n\n\nThe easy claim process is one of the most critical factors that most insurance buyers look for when buying \npersonal accident insurance\n. It\u2019s easy to \nclaim\n no matter which policy you choose. Once the insurance company verifies your claim, the claim amount is complete once they apply to the company (either online or offline).\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nFinal Thought\n\n\nAs important as providing your family with financial security if you die, you should also think about what they would do if you were injured and permanently disabled. It is why accident insurance is essential. Therefore, before signing the policy, ensure that you understand its inclusions, \nexclusions\n, and other terms and conditions.\n\n\nTags:\nAccidental Injury\nPersonal Accident Insurance\nPersonal Accidents\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/18/why-did-my-auto-insurance-company-raise-my-rates/", "title": "Why Did My Auto Insurance Company Raise My Rates?", "body": "\n\n\n\nMaybe you\u2019ve had this auto insurer for a while now and everything seems great. You haven\u2019t encountered any issues in terms of communication and when trouble does happen, they come alive to their responsibilities quickly. All of a sudden, you discover that your \nauto insurance\n rates have risen through the roof! What could be wrong? Is there anything you can do about this? How about deciding between the ideal insurance providers for your car?\n\n\n\n\nHi there! I\u2019m Stella, Fincrew brand ambassador, we\u2019ll find out all the possible reasons for your premium spiking out of the blue! Unravel the secrets behind auto insurance in Malaysia and leverage this knowledge to make better decisions with your insurance through our Insurance360 Video Series! These videos focus on making automobile insurance easy for every vehicle owner. Join our ever-growing community by clicking on the Subscribe button. Also, turn on your notification settings so none of our updates slip past you! While several variables can cause your \nauto insurance\n rates to spike without warning, here are the most common culprits.\n\n\nCulprit #1 \u2013 Providing Inaccurate Information On Your Policy Application\n\n\nSeveral severe consequences might come about due to your filing mismatching information on your \ninsurance\n application form. In addition to the possibility of having your coverage completely withdrawn, it could cause your premium rates to increase. For example, let\u2019s assume you own a 2016 Mazda CX but through an oversight on your part, you filed 2014 Mazda CX. You would likely enjoy the cheaper rates that an older model affords you until your insurer discovers the error. This will cause them to promptly review your \ninsurance rates\n accordingly.\n\n\nCulprit #2 \u2013 You Relocated\n\n\nYou might be surprised to discover that what you pay as auto insurance can vary rather drastically from one state to another. One reason for this is the varying traffic statistics of each state. The more populated a location is, the higher the risk of auto crashes associated with it. So if you recently moved to a more urban or commercial location, that might be the reason you have to pay more for your coverage.\n\n\nCulprit #3 \u2013 You Recently Got In An Accident or Traffic Violation\n\n\nIf you were recently involved in an accident and was adjudged to be the at-fault party, then, you have just successfully pinpointed the reason for the hike in your \ninsurance rates\n. With auto insurance, you are considered high risk if you make at-fault \nclaims\n regularly. The same is true if you are caught with traffic law violations such as over-speeding or driving under the influence. Your insurance interprets this as an increased liability and will review what you pay as coverage to compensate for the new development.\n\n\nCulprit #4 \u2013 Your Discounts Or Bonuses Are No Longer Valid\n\n\nDiscounts play a big part in reducing what you pay for auto insurance. So, should you forfeit one or more of these, your premiums might increase.\n\n\nThere you have it\u2013the reasons why your insurance provider might raise your \ninsurance rates\n. Want to find out more causes for the rise in your premium rates? Or know more about other \ninsurance buys and tips\n? Then, don\u2019t forget to subscribe and enable notifications for our channel! See you next time!\n\n\nTags:\nAuto Insurance\nInsurance Policy\nInsurance Premiums\nInsurance Rates\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/06/22/demystifying-homeowners-insurance-everything-you-need-to-know/", "title": "Demystifying Homeowners Insurance: Everything You Need to Know", "body": "For the most part, people don\u2019t think about insurance until they need it. However, knowing what your \nhomeowners insurance\n policy covers and does not cover can mean the difference between rebuilding your home and replacing your personal effects. In addition, homeowners need to do annual insurance policy \u201ccheck-ups\u201d to keep up with local building cost increases, home renovations, and inventory updates.\n\n\nWhat Is a Homeowners Insurance Policy?\n\n\nThe \nhomeowners insurance\n policy will compensate you if you suffer damage to your home or personal property due to an event covered under your policy. The policy also covers you if you cause \nproperty damage\n or injure someone else. Even though homeowner\u2019s insurance policies are infinitely customizable, they also have some standard provisions that outline the costs the insurer will cover:\n\n\nExterior Or Interior Damage To Your Home\n\n\nDamages caused by fire, hurricanes, lightning, vandalism, or any other covered disaster will be compensated by your insurer so that your house can be repaired or even completely rebuilt. However, floods, earthquakes, and poorly maintained homes are generally not covered and may need a separate rider if you want to insure these items. Similarly, a detached garage shed or other structure on the property may need to be covered separately, using the same guidelines. Most items in your home are insured if destroyed in a disaster. It includes clothes, furniture, appliances, and other contents. There are even policies offering \u201coff-premises\u201d coverage, so you can \nfile a claim\n for lost jewelry, for example, no matter where you lost it.\n\n\nPersonal Liability For Damage Or Injuries\n\n\nYou are protected from lawsuits filed against you if you have liability coverage. Your pets are also covered under this clause. Thus, if your dog bites Doris, whether the bite occurs at your house or hers, your \ninsurance company\n will cover her medical expenses. In addition, if your kid breaks her Ming vase, you can file a claim for reimbursement. Even if Doris slips and lands on the vase pieces and successfully sues for pain and suffering or lost wages, you\u2019re still covered for those losses, just as if it was someone who fell on your property.\n\n\nRental Of a Hotel Or House While Your Home Is Being Repaired Or Rebuilt\n\n\nHopefully, you will never be in such a situation, but it will be the best \ninsurance\n you\u2019ve ever had if it does happen. The additional living expenses portion of your coverage would pay for the rent, hotel room, dining out, and other incidental costs you incur during the waiting period for your home to become habitable again. If you plan to book a suite at an expensive hotel, please remember that the policies have strict daily and total limits. Those daily limits can be increased if you are willing to pay more for coverage.\n\n\nWhat Does Homeowners Insurance Not Cover?\n\n\nGenerally, \nhomeowner\u2019s insurance\n will cover most scenarios where a loss could occur, but certain events, such as natural disasters, are not typically covered. Are you at risk of floods or hurricanes where you live? How about earthquakes? For these, you\u2019ll need riders or a separate policy for earthquakes or flooding. Additional coverage is available for sewer backup and drains backup, and you can even add identity \ntheft\n coverage for reimbursement of expenses related to identity theft.\n\n\nYou can\u2019t expect your \nhomeowner\u2019s insurance\n company to give you a check for the amount of your policy if your home is destroyed. The payout is directed to contractors, depending on the cost of selected reconstruction and the \ninsurance coverage\n. A crucial decision is choosing coverage that will cover the total cost of rebuilding your home, even if costs exceed your policy limits.\n\n\nTags:\nHomeowners Insurance\nInsurance Policy\nLegal Liability\nLiability Cover\nPersonal Liability\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/06/17/insurance-contracts-essential-elements/", "title": "Insurance Contract\u2019s Essential Elements", "body": "Are you getting ready to sign an \ninsurance contract\n, but you are unsure if you understood it correctly? Although there are some specifics depending on the \ninsurance type\n chosen, most deals have the same essential elements. We designed a guide to ensure you better understand them before signing. Here is what you should know about the integral elements of your \ninsurance contract\n!\n\n\nJoin Fincrew Official Telegram Channel\n\n\nThe Basics Of Every Insurance Contract\n\n\nHere is how the process of signing a contract works and what are its basics:\n\n\n\n\nOffering and accepting the offer \u2013 it\u2019s interesting to note that you are the one offering an insurance contract. You make the first move by completing a form and sending a proposal to the agency. They can accept or get in touch to arrange specifics before accepting.\n\n\nConsideration \u2013 as the policyholder, this is the sum to pay to activate the contract and keep it active for the specified timeframe. The sum you pay is called a premium. As for the \ninsurance company\n, they consider the compensation required if you decide to \nfile a claim\n. The consideration ensures that both parties contribute to the deal with a specific value.\n\n\nLegal purpose and capacity \u2013 the first thing to ensure is that your contract will follow the law. It\u2019s vital that you meet the age and other requirements to sign the deal.\n\n\n\n\nThe Indemnity Principle\n\n\nHere is another essential element of a vast majority of insurance contracts. The indemnity principle ensures that your potential losses will be counted in the agreed currency (real money value). The primary purpose of this principle is to return you to the identical financial position you found yourself before filing the claim. For example, if someone steals your 10-year old car, no insurance agency will replace it with a new model. Instead, they will pay you the agreed or market value of the vehicle. While we are talking about potential compensation sums, here are some other essentials to learn:\n\n\n\n\nDeductible \u2013 it is the sum that can \nlower the premium\n. You agree to pay the agreed deductible amount first, and then the \ninsurance company\n jumps in for the rest of the compensation sum. If the deductible is MYR10,000, but the damage is MYR50,000, that means you pay the deductible, and the insurance adds MYR40,000.\n\n\nUnder-insurance \u2013 another thing that can decrease the premium. It involves agreeing to a compensation lower than the estimated car or property value.\n\n\nExcess\n \u2013 it\u2019s compulsory if the driver is younger than 21, has an L or P license, or isn\u2019t a named driver in the policy. That excess involves RM400.\n\n\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhat Other Insurance Contract Essentials You Should Know?\n\n\nHere are some other elements that every insurance contract should have:\n\n\n\n\n\u00a0The policyholder\u2019s insurable interest \u2013 if you want insurance on your vehicle or property, you must prove it is a legal, financial liability. Proof of ownership is often sufficient as it shows that you want insurance to protect your assets.\n\n\nGood faith \u2013 this is a doctrine used in various insurance categories. It implies the policyholder should be honest and provide accurate information on their application form. They shouldn\u2019t hide important info regarding the policy. The \ninsurance company can reject your claim\n compensation if you provide inaccurate info.\n\n\nNon-claiming discount \u2013 it is often approved on \ncar insurance policies\n if you don\u2019t file a single claim while it\u2019s valid.\n\n\nAdd-ons \u2013 these are special additions included in your insurance contract, such as windscreen and \nnamed driver\n coverage.\n\n\n\n\nTags:\nInsurance Claims\nInsurance Contract\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/10/28/can-car-rental-accident-claim-affect-my-personal-insurance/", "title": "Can Car Rental Accident Claim Affect My Personal Insurance?", "body": "Yes, \ncar rental\n insurance claims can affect your personal insurance even if you were driving a rental car at the time of mishap. Having to deal with a rental car accident might be the last thing on your mind. However, that doesn\u2019t mean you shouldn\u2019t be prepared. Though handling rental \ncar claims\n is similar to what you\u2019d do if it\u2019s your own vehicle, it\u2019s essential to follow the proper protocol to avoid mix-up and needless paperwork.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat Happens To My Personal Insurance If I Claim Car Rental Insurance?\n\n\nWhat will happen to your personal \ninsurance premiums\n if you get into an accident in a rental car depends on how you insured your rental car. This will determine whether your \ninsurance rates\n will go up after or not. If you use your personal \ncar insurance\n for the rental car, your premiums will likely go up. Even though the \nrental car\n doesn\u2019t belong to you. This is because if you were using your personal auto \ninsurance as coverage\n for the \ncar\n rental, you\u2019d have to file a claim with your insurance company \u2014 and when you do, you risk a premium increase.\n\n\nIf you purchased \nrental car insurance\n and then got in an accident, your personal auto insurance company may not raise your premium since you will not file a claim with them. However, it\u2019s imperative to note that it will be on your record once you submit a police report for the accident. Just because it doesn\u2019t immediately increase your \nauto insurance\n premiums doesn\u2019t mean it will not change in the future. If you apply for new \ncar insurance\n afterward, the accident will show on your record, which could imply a higher premium when shopping for further coverage.\n\n\nWill My Rates Go Up For A Secondary Coverage?\n\n\nIf you bought a secondary coverage for the rental car, that means your \npersonal car insurance\n will pay for the damage first, before your secondary rental insurance coverage kicks in. Since your own \ninsurance company\n still has to pay, your premium may go up. The same scenario applies to \nrental car insurance\n through your \ncredit card\n. If you use your credit card insurance as your secondary coverage for the rental car, you will still have to file a claim with your personal insurance company, which may raise your rates.\n\n\nCompare and apply for the best credit cards\n\n\nThis Is What You Should Do If You Got Into An Accident With A Rental Car\n\n\nGetting into a \ncar accident\n can be terrifying and confusing, particularly if you\u2019re driving an unaccustomed car. Should you get into a car accident while driving a rental car, follow the standard procedure you would if you were driving your own vehicle. That is making sure everyone is ok, documenting the accident, calling the police, exchanging contacts with the other, etc. These are all similar steps you\u2019d take if you were driving your own vehicle, however with a rental car, there is some extra paperwork you may need to deal with. You will need to call your car rental company as soon as possible and inform them of the accident. Ask them how to proceed and make sure to read the fine print of your personal insurance plan and the rental company\u2019s insurance.\n\n\nTags:\nCar Accident\nCoverage\nPersonal Insurance\nRental Car\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/11/if-you-traveling-do-you-use-travel-insurance/", "title": "If You Traveling, Do You Use Travel Insurance?", "body": "As you are hiking through the rainforest in Costa Rica, your foot catches on a liana vine, and you fall to the ground. As your ankle swells alarmingly, you manage to hobble back to the jeep and make your way to the nearby private hospital. However, when the hospital staff saw your Malaysian \nhealth insurance\n card, they shook their heads. It\u2019s either cash upfront or nothing. You\u2019ll find this happens more frequently than you think. Travel does not always go according to plan. Having \ntravel insurance\n while traveling overseas is as essential as having a passport. It protects you or your family from \nfinancial\n hardship if things go wrong. It would help if you had \nhealth insurance\n no matter where you live, what you do, or who you are.\n\n\nTravel Insurance For Local Travel\n\n\nThe Importance of Travel Health Insurance\n\n\nIf you need medical attention while traveling, \ntravel insurance\n is essential\n. The cost of healthcare overseas can be relatively high. In most countries, you cannot get free care or subsidized care. It is your responsibility to pay the total price or your insurer\u2019s responsibility. A basic travel insurance policy covers the following medical situations:\n\n\n\n\nMedical treatment in an emergency.\n\n\nAssistance with general medical needs.\n\n\nHelicopter or ambulance transport of patients to hospitals.\n\n\nInjury and accident reports, unless they are related to an excluded activity.\n\n\n\n\nIn case of an injury or death by an excluded activity, \ncoverage\n may not be available. As an example, most policies \ncover damages\n related to broken bones. However, if you broke your leg while skiing and your policy excluded skiing, you will not be covered. You are unlikely to be covered by an insurer if you go to a destination where the advice level is \u2018Do not travel.\u2019\n\n\nExclusions for Health Claims\n\n\nPre-existing physical and mental health conditions are usually not part of \ncomprehensive travel insurance\n policies. If you pay extra, some \ninsurance companies\n will cover you. Among the most common exclusions are:\n\n\n\n\nOsteoarthritis and joint problems\n\n\nLungs and breathing conditions\n\n\nA cancerous tumor\n\n\nBlood and circulatory conditions\n\n\nDiabetes\n\n\nDisability\n\n\nHeart condition\n\n\nKidneys or liver diseases\n\n\nPsychiatric Disorders\n\n\nPregnancy\n\n\nDiseases and viruses\n\n\n\n\nTravel Insurance for Valuables and Baggage\n\n\nIf you lose your baggage or valuables, travel insurance can replace them. You may be able to get reimbursed for damaged, lost, or stolen things if you\u2019re insured. If you need a replacement while you\u2019re away, some insurance companies will arrange it for you. Insurance can cover the following items:\n\n\n\n\nElectronic devices. It could be anything from smartphones to computers to cameras;\n\n\nPersonal items such as clothing, toiletries, and toiletries;\n\n\nJewelry and other valuables like rings, necklaces, watches, etc.;\n\n\nMoney. Usually, it is a minimal amount.\n\n\nSporting equipment. Skis, surfboards, and hiking gear all fall into this category.\n\n\n\n\nExclusions for Baggages and Valuables\n\n\nYour policy may be affected by the circumstances in which your \nproperty damage\n occurred. It is unlikely that you will be covered if you broke local laws at the time of the incident. It can include riding a moped without a helmet. When you are under the influence of alcohol, most insurers will not cover your property. If the incident happened while you were doing an excluded activity, your items wouldn\u2019t be covered. For example, no \ninsurance claim\n processing if your policy excludes riding motorbikes and you lose your phone while riding. In most cases, unattended baggage, even if you turned your back for just a moment, when stolen.\n\n\nTags:\nHealth Insurance Card\nTravel Health Insurance\nTravel Insurance\nTravel Insurance Benefits\nTravel Insurance Claim\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/11/how-to-claim-car-insurance-for-pothole-damage/", "title": "How To Claim Car Insurance For Pothole Damage?", "body": "If you\u2019re driving in good visibility during the day, avoiding potholes is relatively simple \u2013 if you\u2019re paying attention. But in nighttime or bad weather, a sickening \u201cClunk! Crunch!\u201d generally suggests your vehicle\u2019s been damaged. Generally, going over a \npothole\n will cause only a grumpy mood and no long-term damage to your vehicle. If the \npothole\n is particularly deep or you\u2019re going too fast, however, you might also leave behind some dents and scratches. \nPothole damage\n to your vehicle can quickly worsen. Tires, hubcaps, struts, and alignment can soon accumulate, leaving some motorists with \nexpensive repairs\n. Filing a \npothole damage\n claim is easy, but whether you should is something that you should consider.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nHow Pothole Claims Work\n\n\nA pothole claim on your insurance policy is a single-car accident that is classified as an at-fault accident. A pothole is considered a collision. If you file an at-fault claim, your collision deductible will apply, and your rates may increase at renewal time. Occasionally, the damage sustained is less than your deductible, making filing a claim irrelevant.\n\n\nWhat You Can Do Instead of Filing a Claim With Your Insurer?\n\n\nInstead of \nfilling a claim\n with your insurance company for pothole damage, you can also file a claim with the government. First of all, check if the road is a city or a state road. Depending on where you reside, the local government may be able to reimburse you. Of course, it can be a long and tedious process, so be ready to pay the cost upfront. Suppose your car only suffered a couple of minor dings and scratches. In that case, you are probably better off skipping any official claim process altogether \u2014 it\u2019s just not worth the effort and energy. The easiest way to \nfile claims\n with the government is to follow the authority\u2019s claims process \u2013 usually, this involves just filling out a form. Not all citations allow this, and if they do, it doesn\u2019t always work. But it\u2019s always worth a try.\n\n\nGather Evidence\n\n\nWhether you are filing a pothole claim with your insurance company or the government, you need to gather evidence. If a tape measure is handy and safe (do not try it on a motorway), look at the pothole\u2019s depth and write it down. As long as it\u2019s 40mm deep or more prolonged (roughly the height of two 20p coins), then bingo \u2013 it\u2019s worth searching. If it is less, it is still worth fixing, but you might not recoup the total cost of repairs. Measure the width as well. Ensure you take pictures right away or as fast as possible if it\u2019s safe to do so. If you don\u2019t have a camera, you can always come back. Things to photograph are:\n\n\n\n\nClose-ups of the pothole. Photos showing the width and depth of the pothole should be sufficient.\n\n\nThe pothole\u2019s position is on the road. Photograph it from different angles, showing which lane they are in. Make sure the pothole is visible in these pictures.\n\n\nRoad signs. The road signs along the immediate stretch of the street and nearby landmarks such as schools and prominent buildings will help you pinpoint the location.\n\n\nYour car. It will be necessary to show the damage, so take several clear pictures of anything that\u2019s broken, severed, dented, or scratched.\n\n\n\n\nPrevent Pothole Damage Before It Occurs\n\n\nIn any case, there are several things you can do well before a situation happens that can help you avoid any unfortunate incident. It would help if you continually keep your eyes on the road when driving. It is not just about where you\u2019re going, but about what\u2019s on the ground as well. When your neighborhood has many potholes, it\u2019s often possible to get the problem fixed with just a few calls to local officials. That\u2019s how you\u2019ll save yourself \u2013 and hundreds of others \u2013 headaches and hassles from pothole damage.\n\n\nTags:\nCar Insurance\nInsurance Claims\nPothole Claim\nPothole Damage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/06/hajj-and-umrah-travel-insurance-explained/", "title": "Hajj And Umrah Travel Insurance Explained", "body": "As one of the five pillars of Islam, the Hajj is considered one of the mandatory religious duties of every Muslim who is physically and financially able to make the trip. All true Muslims are encouraged to endeavor to make this trip at least once in their lifetime. It shouldn\u2019t be a surprise that at least 2 million believers make their way from all corners of the world to Saudi Arabia to perform the Hajj and Umrah during the eighth and thirteenth days of the holy month. In addition to adequately preparing yourself spiritually for the journey ahead, one of the most important things you should see is \ntravel insurance\n.\n\n\n\n\nTravel Risks Of The Hajj And Umrah Every Religious Pilgrim Should Know\n\n\nAs an international traveler, here are a few of the essential travel advisories you need to consider when making the Hajj Pilgrimage.\n\n\n1. Issue of Accidents\n\n\nAs you know, this is an exercise that garners a lot of attention. Because of this, the highest risk that every pilgrim faces here comes from stampedes from the large number of people that\u2019ll be concentrated in Mina for those five days. It needs to be said that over the past few years, the Government of Saudi Arabia has taken commendable steps to reduce the risk of injury from these accidents. There\u2019s a limit to the reach they have, and it never hurts to have \ncoverage\n in case the worst happens.\n\n\n2. Health and Medical Risks\n\n\nAnother thing worth noting is that the considerably large number of people coming for the \nHajj and Umrah\n will usually increase the number of health risks that a pilgrim has. It isn\u2019t unusual for travelers to experience bouts of ailments like cholera and diarrhea.\n\n\n3. The Risk Of Exhaustion And Dehydration\n\n\nTo benefit from this holy journey, you will have to move around a lot. Because of this, the \nHajj and Umrah\n can be a physically demanding affair. As a result, more elderly pilgrims have been more prone to physical exhaustion while performing the rights. The chances of this happening increase exponentially for people who have pre-existing medical conditions. It may easily aggravate those or contribute to increased predisposition to fainting spells, dehydration, and general exhaustion.\n\n\n4. Weather And Climatic Factors\n\n\nDuring the Hajj, the weather can take a turn for the worst. It may be because the Mina area is highly predisposed to diverse climatic conditions. Some religious pilgrims have had to perform the Hajj through sandstorms, extreme humidity, and even thunderstorms.\n\n\nProtecting Yourself During The Hajj And Umrah\n\n\nAlthough going as far as getting \nHajj and Umrah travel insurance\n might seem like a bit of an overkill for some people, the fact remains unchanged that doing so will help you feel safer and ensure that you won\u2019t have to pay anything out-of-pocket if the unexpected happens.\n\n\nTags:\nHajj\nMuslim\nTravel\nUmrah\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/18/guide-to-make-personal-accident-insurance-claim/", "title": "Guide To Make Personal Accident Insurance Claim", "body": "Despite everyone\u2019s best efforts to prevent accidents, they still happen occasionally. In our everyday lives, we are all exposed to accidents, and that is why we should all have \npersonal accident insurance\n. Its purpose is to provide cover against accidents that result in bodily harm, injuries, disabling conditions, or death so that even if an accident takes you away from work, you have a way to survive until you can return to work. What happens if an accident occurs? How do you \nfile a claim\n? Learn how to file an \ninsurance claim for a personal accident\n.\n\n\nHow Do Insurance Claims Work?\n\n\nIt is a formal request from a policyholder to an insurance company for compensation or coverage related to a covered loss or policy. Upon receiving the claim, the company confirms (or denies) the claim. Upon approval, the \ninsurance company\n will issue payment to them or an interested party on behalf of the insured. An insured person can sometimes have a third-party file the claim on their behalf. However, only the named individuals on the policy are eligible to claim payments.\n\n\nHow To File a Claim For a Personal Accident Insurance Policy\n\n\nIt is vital to understand the claim process when dealing with a \npersonal accident insurance\n policy during an emergency. The steps detailed below describe how to file an individual accident insurance policy claim.\n\n\nStep 1: Notify The Insurer\n\n\nThe insured\u2019s responsibility is notifying the insurer when an event may cause a claim under the policy. It can be requested in writing, orally, or via phone and must comply with the policy requirement in this regard.\n\n\nStep 2: Proof Of Loss By Providing Necessary Documents\n\n\nAs soon as you inform the insurer, you will have to prove that you have suffered a loss, and this is done by providing different documents. If you fail to prove your loss satisfactorily or convincingly within a reasonable amount of time, it may void your liability.\n\n\nStep 3: Submit A Duly Filled-Out Claim Form\n\n\nAfterward, you will receive a policy claim form from the insurance company, or if the state has not been received from the company, you can request it directly from the company. A completed form must contain all pertinent and accurate information and be signed by the policyholder or nominee.\n\n\nStep 4: Provide Other Documents As Required By The Case\n\n\nAfter submitting the form and policy documents, your insurer will ask you for other verification documents such as proof of identification, address, etc. Provide copies of these documents to the insurance company.\n\n\nStep 5: The Insurer Examines The Claim\n\n\nOnce the insurance company receives all the documentation and information regarding the policy and treatment required, it will thoroughly examine the claim\u2019s legitimacy and accident. By providing this information, the insurance company makes sure you \nfile a claim\n for treatment that is required and not unnecessary, and it is also strictly due to an accident or other event covered by the policy.\n\n\nStep 6: Settlement Of The Claim\n\n\nFollowing all verification and inquiry, the company may approve the claim if they are satisfied with its authenticity. If the claim is rejected, the company may request additional documentation for verification; if the claim is still unsatisfied, they may leave it.\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nWhat Documents Are Needed To File a Personal Accident Insurance Claim?\n\n\nYou should be aware of the documents required to \nfile a claim\n for a \npersonal accident health insurance\n policy on time. These may include:\n\n\n\n\nClaim form signed by the claimant\n\n\nCertificate of Death if applicable\n\n\nDisability Certificate relevant to the case\n\n\nPhysicians\u2019 Report\n\n\nHealth Certificate\n\n\nBills for medical care\n\n\nReport of \naccident investigation\n\n\n\n\nTags:\nAccidental Injury\nAccidents\nCertificate of Death\nInsurance Claims\nPersonal Accident Insurance\nPersonal Accidents\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/21/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%88%b0%e5%ba%95%e4%bf%9d%e4%bb%80%e4%b9%88/", "title": "\u6c7d\u8f66\u4fdd\u9669\u5230\u5e95\u4fdd\u4ec0\u4e48\uff1f", "body": "\n\n\n\n\u8eab\u4e3a\u9a7e\u9a76\u4eba\u58eb\u7684\u6211\u4eec\u5bf9\n\u6c7d\u8f66\u4fdd\u9669\n\u4e00\u5b9a\u4e0d\u964c\u751f\u3002\u4f46\u662f\u6709\u591a\u5c11\u4eba\u8ba4\u771f\u7684\u7814\u7a76\u8fc7\u81ea\u5df1\u7684\u8f66\u9669\u5230\u5e95\u5305\u4e86\u54ea\u4e9b\u9879\u76ee\u5462\uff1f\u4e0d\u8981\u5230\u610f\u5916\u53d1\u751f\u4e86\u624d\u53d1\u73b0\u8fd9\u4e2a\u6ca1\u6709\u5305\uff0c\u90a3\u4e2a\u53c8\u6f0f\u6389\u3002\u7ed3\u679c\u6709\u4fdd\u9669\u597d\u50cf\u6ca1\u6709\u4fdd\u9669\u4e00\u6837\uff1f\n\u6c7d\u8f66\u4fdd\u9669\n\u7684\u7ec6\u5219\u5927\u6982\u67093\u79cd\u3002\n\n\n\u7b2c\u4e00\u3001\u7b2c\u4e09\u65b9\u4fdd\u9669\n\n\n\u8fd9\u4e2a\u7ec6\u5219\u662f\u6700\u57fa\u672c\u4e00\u5b9a\u8981\u6709\u7684\n\u4fdd\u9669\n\u3002\u5b83\u4e3b\u8981\u7684\u529f\u80fd\u5728\u4e8e\u5982\u679c\u8f66\u4e3b\u53d1\u751f\u4ea4\u901a\u610f\u5916\uff0c\u6700\u8d77\u7801\u9700\u8981\u8d54\u507f\u7b2c\u4e09\u65b9\u7684\u635f\u5931\u662f\u6709\u5305\u62ec\u5728\u8fd9\u4efd\u8f66\u9669\u91cc\u7684\u3002\u6240\u4ee5\u65e0\u8bba\u8c01\u662f\u8087\u4e8b\u8005\uff0c\u7531\u4e8e\u6bcf\u4e2a\u4eba\u90fd\u5fc5\u987b\u6709\u8fd9\u4e00\u4efd\u7b2c\u4e09\u65b9\n\u4fdd\u9669\n\uff0c\u4e0d\u5fc5\u62c5\u5fc3\u65e0\u6cd5\u7d22\u8d54\u3002\n\n\n\u7b2c\u4e8c\u3001\u7b2c\u4e09\u65b9\u4fdd\u9669+\u706b\u9669+\u5931\u7a83\u4fdd\u9669\u7684\u914d\u5957\n\n\n\u8fd9\u4e2a\u914d\u5957\u6709\u5305\u62ec\u7b2c\u4e00\u70b9\u6240\u8bb2\u7684\u7ec6\u5219\uff0c\u518d\u52a0\u4e0a\u4efb\u4f55\u8d77\u6e90\u4e8e\u610f\u5916\u706b\u70e7\u6216\u5931\u7a83\u6240\u8499\u53d7\u7684\u635f\u5931\u3002\u8fd9\u5176\u4e2d\u5931\u7a83\u4e0e\u706b\u70e7\u7684\u9644\u5e26\u6761\u4ef6\u662f\u5f88\u6e05\u695a\u5217\u660e\uff0c\u5982\u679c\u4ee5\u4e0a\u7684\u610f\u5916\u662f\u4eba\u4e3a\u758f\u5ffd\u6240\u7167\u6210\u7684\uff0c\u90a3\u4fdd\u9669\u516c\u53f8\u6709\u6743\u5229\u4e0d\u4e88\u8d54\u507f\u3002\n\n\n\u7b2c\u4e09\u3001\u7efc\u5408\u6027\u6c7d\u8f66\u4fdd\u9669 \uff08\u5168\u9762\u6c7d\u8f66\u4fdd\u9669\uff09\n\n\n\u8fd9\u4e2a\u914d\u5957\u5305\u62ec\u4ee5\u4e0a\u4e24\u70b9\u7684\u7ec6\u5219\uff0c\u518d\u52a0\u4e0a\u9664\u4e86\u8ba9\u7b2c\u4e09\u65b9\u53ef\u4ee5\u6c42\u507f\uff0c\u5982\u679c\u8087\u4e8b\u8005\u662f\u81ea\u5df1\uff0c\u90a3\u6c7d\u8f66\u7684\u7ef4\u4fee\u8d39\u7528\u4e5f\u53ef\u4ee5\u88ab\u7eb3\u5165\u6c42\u507f\u8303\u56f4\u5185\u3002\u901a\u5e38\u9009\u62e9\u8fd9\u79cd\u914d\u5957\u7684\u53f8\u673a\u90fd\u662f\u9a7e\u9a76\u8f83\u4e3a\u6602\u8d35\u7684\u6c7d\u8f66\uff0c\u4fdd\u8d39\u5f53\u7136\u4e5f\u662f\u4e09\u79cd\u91cc\u9762\u6700\u9ad8\u7684\u3002\u5e0c\u671b\u6211\u4eec\u4eca\u5929\u7684\u89c6\u9891\u6559\u4f1a\u4f60\u4e00\u70b9\u70b9\uff0c \u8ba9\u4f60\u66f4\u61c2\u5f97\u8f66\u9669\u7684\u54a8\u8be2\uff01\n\n\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\n\n\nTags:\n\u5931\u7a83\u4fdd\u9669\u7684\u914d\u5957\n\u6c7d\u8f66\u4fdd\u9669\n\u7b2c\u4e09\u65b9\u4fdd\u9669\n\u7efc\u5408\u6027\u6c7d\u8f66\u4fdd\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/04/27/is-it-possible-to-claim-if-a-negligent-act-caused-the-accident/", "title": "Is It Possible To Claim If A Negligent Act Caused The Accident", "body": "You were involved in a car accident, and now is the time to assess the damage and file a compensation claim. This article\u2019s question is if it\u2019s even possible to claim if a \nnegligent act\n caused the \naccident\n. Here are all details about these situations and what you can do when negligence leads to an \naccident\n!\n\n\nWhat Is Negligence?\n\n\nThe experts agree that negligence is a careless or thoughtless behavior or action that could lead to other people\u2019s injury or damage to objects. It\u2019s when a person acts outside of what\u2019s considered reasonable for that situation. For example, if there is a red light, a driver\u2019s reasonable and expected thing is to stop. If you don\u2019t do that, your actions are negligence. Here are some expected duties that each driver has:\n\n\n\n\nNot going over a reasonable speed \u2013 it\u2019s not only about following the law, but adjusting the speed to the current traffic situation. If it\u2019s raining heavily, driving at the speed limit can be dangerous and negligent.\n\n\nKeeping an eye on other traffic participants \u2013 is there a road hazard ahead? Make sure to notice it on time and adjust your speed. Also, always keep a lookout for what other drivers and pedestrians are doing.\n\n\nStaying in control of your car \u2013 a \nnegligent act\n can also be if you leave the road for no apparent reason.\n\n\n\n\nSome other duties include driving without the \ninfluence of drugs or alcohol\n and following the laws applicable in that situation. We all try to follow these, but after the accident happens, that becomes less important. The big question is what we\u2019ll do next?\n\n\nWho\u2019s To Blame For Negligence?\n\n\nThe first thing to determine is who\u2019s to blame for negligence. If the third-party\u2019s negligence is what caused the accident, that\u2019s the easy scenario. You can claim against their \ninsurance\n (they should have one) and expect compensation. Make sure to photograph the scene and get the information on the other driver\u2019s insurance. You want to have evidence that the other party\u2019s negligence led to the accident. Even if they admit they are guilty, equip yourself with proof. That way, you won\u2019t have to worry if the other party changes the story down the road.\n\n\nNow, what happens if your negligence act led to the accident? Your negligence might be the reason why the insurance company will refuse your claim. Although it\u2019s not a classic accident, vehicle \nthefts\n from a car wash are a common example of this scenario. You could leave car keys with the attendant and go to have a drink in the nearby coffee shop. The insurance agency will see it as you leaving keys with a stranger and leaving the vehicle out of your sight, which constitutes negligence. When it comes to \ncar accidents\n, you have the right to file an \nown damage claim\n if you caused the incident. That\u2019s a claim you\u2019re making against your insurance company. However, it\u2019s necessary to have a \ncomprehensive cover\n since it\u2019s the only policy that includes first-party damages.\n\n\nPlease note you will lose the \nno claim discount (NCD)\n if you make this claim. That\u2019s why you should assess what\u2019s the smart move. If the damage is minimal, it might be wise to pay for it yourself. That allows you to keep your \nNCD\n and pay a lower premium when \nrenewing your insurance policy\n.\n\n\n\n\nTags:\nInsurance Claims\nNegligence\nNegligent Act\nNo Claim Discount (NCD)\nOwn Damage Claim (ODC)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/30/3-tips-to-protect-your-credit-score-and-avoid-late-payments/", "title": "3 Tips To Protect Your Credit Score And Avoid Late Payments", "body": "\n\nDid you know that the fact that you missed just one payment can stay in your Central Credit Reference Bureau Information System (CCRIS) records for 12 months?\n\n\nDid you know that your payment history alone accounts for nearly half of what determines your \ncredit score\n?\n\n\nDid you know that making \nlate payments\n attracts extra fees and fines and damages your credit standing?\n\n\nDid you know that people who record making \nlate payments\n are less likely to secure a \nloan\n than those who make timely payments?\n\n\n\n\nAll the above are only some of the reasons you have to do everything you can to make all your bill payments promptly. But with so many different things going on in your life all at once, it\u2019s possible to forget you have costs to make at times, honestly. If you want to stop making payment delays due to such oversight, here are some tactics you can employ.\n\n\n1. Activate The Auto-Debit Feature On Your Bank Account\n\n\nThe Auto-debit function works by deducting a set amount of the funds in your savings or current account and sending it to a designated entity at established times. With a tool like this, you\u2019ll be able to conveniently make all the payments you need to without having to handle the transaction process yourself. What\u2019s more, this is a service some banks offer for free or at meager costs. However, keep in mind that you need to ensure that you have enough funds left in your account to use this function properly.\n\n\n2. Set Payment Reminders\n\n\nAnother approach you can use independently or use to complement the first method is to use any of your mobile devices or laptop tools to set a reminder to make payments. It is relatively simple and convenient to do as all these electronic devices have calendar functions that are easy enough to navigate. However, if you\u2019re not too comfortable with digital devices and prefer something even more straightforward, a diary or desktop calendar will do fine. But you\u2019ll need to make sure that you \ncheck these frequently\n enough, so you still don\u2019t forget to make your payments.\n\n\n3. Review Your Credit Score Frequently\n\n\nYour CCRIS report will always carry all the information about your \ncredit score\n health, including what bills you must pay and when. While you can rely on your updated MyCTOS Score report for this, the former will always be better as it\u2019s far more \ncomprehensive\n. With the information you constantly get from your CCRIS, you\u2019ll be able to plan yourself accordingly and ensure that you have what you need to settle your pending bills at any point.\n\n\nBottom Line\n\n\nYou can\u2019t afford to make settling your bills an afterthought. Apart from all the consequences that come with not making these payments on time, there\u2019s the fact that you\u2019ll be making the process of your next loan application more difficult!\n\n\nSo, make sure you do all you can to pay your bills on time!\n\n\nTags:\nAuto Debit\nCCRIS\nCentral Credit Reference Bureau Information System\nLate Payment Fee\nMyCTOS\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/06/18/how-are-auto-insurance-premiums-calculated/", "title": "How Are Auto Insurance Premiums Calculated?", "body": "\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nAre you interested in getting car insurance? Did you know that the premium you pay for the policy depends on numerous factors? \nAuto insurance premiums\n do not have a default cost. Instead, they are calculated separately for a specific individual. Here is an overview of factors that will affect your premium!\n\n\nCoverage Type\n\n\nThe basic option covers only liabili\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\nty, and it is the simplest \ncar insurance\n plan you can get. Other policies might include collision, medical payments, and other specifics. The more extensive the coverage, the more expensive your auto \ninsurance\n policy.\n\n\nWhat Car Do You Want to Insure?\n\n\nThe vehicle that you want to ensure will affect the cost of your auto \ninsurance policy\n. The general rule is that premiums for high-end cars are more expensive. Although the company will assess your driving history (if possible), owners of high-performance vehicles do not have the reputation of being responsible. That implies they can expect a higher price for their \ninsurance policy\n. \nInsurance companies\n rely on statistics and theft-protection features on your vehicle to determine the risk of someone stealing your car. If they estimate a high risk, they might charge extra for the insurance policy.\n\n\nHow Frequently You Drive and Where?\n\n\nThe mileage you cover with your car will affect the \ninsurance premium\n. If your workplace isn\u2019t that far, and you only use the vehicle to get to and from it, the premium should be reasonably low. But if you often go on long-distance journeys, the insurance plan cost will increase. The general rule is that crowded cities carry a bigger accident and \ntheft\n risk than peaceful suburban neighborhoods. The usual parking spot for your car can \naffect the price of your policy\n \u2013 a garage is a safer place than keeping the vehicle out in the open.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nPersonal Details and Driving Statistics\n\n\nApart from vehicle-related information, your details and driving statistics will determine the cost of your auto insurance policy.\n\nHere are the factors that affect the price of the premium:\n\n\n\n\nAge\n \u2013 the statistics indicate that drivers younger than 25 and older than 65 have the highest rate of accidents.\n\n\nMarital status\n \u2013 drivers who are married are believed to be more responsible, which can lower the \npolicy cost\n.\n\n\nDriving history\n \u2013 how long have you had a license? Did you have any accidents in the past? Have you paid for speeding tickets or faced any convictions? Insurance companies will use all this when calculating auto \ninsurance premiums\n.\n\n\n\n\nFinally, if you want to insure multiple cars at once, the odds are you can get a discount deal. The cost of \nauto insurance premiums\n for the second vehicle should be reduced.\n\n\nTags:\nInsurance Policy\nInsurance Premiums\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/04/26/travel-insurance-for-the-new-normal-traveller/", "title": "Travel Insurance For The New Normal Traveller", "body": "After COVID-19 hit early in 2020, most travelers were unable to travel. They scrambled for refunds from hotels, airlines, cruise lines, and other travel suppliers \u2013 or filed claims through \ntravel insurance\n for canceled vacations. On both fronts, they often hit a brick wall. It was difficult or even impossible to get refunds from providers \u2013 leaving those without \ntravel insurance\n wishing they had. Despite the COVID-19 pandemic, more than 60% of Malaysians still hope to take a holiday this year. It is why travel insurance is crucial as we begin to recover. There\u2019s no escaping the fact that if you can\u2019t afford travel insurance, you can\u2019t afford to travel since travel insurance is the new normal in the travel industry. More than two dozen countries that are part of the World Health Organization, for example, require visitors to have medical \ninsurance\n and sometimes \ntravel insurance coverage\n that includes Covid-related incidents to be allowed into the country.\n\n\n\n\nDoes Travel Insurance Cover COVID-19?\n\n\nTravel insurance policies treat COVID-19 and its variants \u2013 including Omicron \u2013 like medical emergencies. To qualify for benefits, you will need to present a doctor\u2019s note proving your \nillness\n and that you will not travel. Whatever your condition, regardless of whether it is Omicron, another variant of COVID, or anything else at all, you will receive the same benefits.\u201d Buyers need to read the policies carefully and include pandemics, COVID-19, and variants. In addition, \npurchase travel insurance\n before you fall ill to file a claim.\n\n\nHow About Quarantine And Medical Expenses?\n\n\nIf you choose a policy, make sure that it covers these items. If you intend to travel abroad, speak to your regular health insurer about medical coverage. Many policies will not cover you abroad, so you should consider it if you have health coverage.\n\n\nIs Travel Insurance Required In Specific Destinations?\n\n\nYes, it is primarily to cover the costs of quarantine or medical care in the event of a COVID-19 positive test. In Singapore, for instance, medical insurance must cover a minimum of 30,000 Singapore dollars. Travel insurance is required for COVID-19 treatment in Fiji. It costs around RM125. Anguilla is one destination that recommends rather than requires travel insurance. You may want to consider how far you would have to travel to receive treatment if you contract COVID-19 abroad. \nMalaysia COVID travel pass\n, for example, travelers must have a minimum USD20,000 medical insurance policy.\n\n\nIs Insurance Required If My Cancellation Policy Is Flexible?\n\n\nIf you have a hotel reservation that allows free cancellations 24 to 48 hours before check-in, most likely not. The same is true for flights; if your flight is changeable and you will receive a voucher or refund if it is canceled, you are covered.\n\n\nTravel Insurance Is Not All The Same\n\n\nObtain \ntravel medical insurance with COVID-19 coverage\n from a reputed global insurer. A pandemic like Coronavirus could have an adverse financial impact on your travel plans. Therefore, you can enjoy your trip more if you take \ntravel medical insurance\n covering epidemic and pandemic treatment costs.\n\n\nTaking the time to read a travel insurance policy wording carefully is common sense, imperative, and necessary so that you can understand the benefits, conditions, and exclusions throughout the policy. In addition, you need to know that these can vary depending on your Country of Residence, so feel free to contact us at Fincrew Insurance if you have any questions.\n\n\nTags:\nCOVID-19 coverage\nDomestic Travel Insurance\nTravel Insurance\nTravel Medical Insurance\nTrip Cancellation\nTrip Cancellation Insurance\nWorld Health Organization\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/03/14/%e7%bb%93%e4%ba%86%e5%a9%9a%e8%bd%a6%e9%99%a9%e5%b0%b1%e8%b7%8c%e4%bb%b7/", "title": "\u7ed3\u4e86\u5a5a\uff0c\u8f66\u9669\u5c31\u8dcc\u4ef7?", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360\uff0c\u6211\u662f Cassandra\u3002\u6321\u5f53\u5f53\u5f53\uff5e \u8bf6\uff0c\u4e0d\u662f\u8c08\u4fdd\u9669\u5417\uff1f\u5173\u7ed3\u5a5a\u4ec0\u4e48\u4e8b\uff1f\u5f53\u7136\u6709\u5173\u7cfb\uff01\u4f60\u77e5\u9053\u5417\uff1f\u7ed3\u4e86\u5a5a\uff0c\u4f60\u7684\u6c7d\u8f66\u4fdd\u9669\u5c06\u4f1a\u88ab\u8c03\u4f4e\u3002\u5230\u5e95\u662f\u4e3a\u4ec0\u4e48\u5462\uff1f\u6c7d\u8f66\n\u4fdd\u9669\u516c\u53f8\n\u4f1a\u4f9d\u636e\u9a7e\u9a76\u4eba\u58eb\u7684\u5e74\u9f84\u3001\u5c45\u4f4f\u5730\u533a\u3001\u5e74\u5747\u9a7e\u9a76\u8ddd\u79bb\u4e0e\u6c7d\u8f66\u505c\u653e\u4f4d\u7f6e\u6765\u8bc4\u4f30\u4fdd\u9669\u8d39\u7528\u3002\u800c\u7ed3\u4e86\u5a5a\u7684\u4eba\uff0c\u901a\u5e38\u4f1a\u589e\u52a0\u6ce8\u518c\u591a\u4e00\u4f4d\u9a7e\u9a76\u4eba\u3002\u5bf9\u4e8e\n\u4fdd\u9669\u516c\u53f8\n\u800c\u8a00\uff0c\u8fd9\u4ee3\u8868\u4e86\u610f\u5916\u98ce\u9669\u88ab\u5e73\u5747\u5206\u62c5\u4e86\uff0c\u56e0\u4e3a\u4e2a\u4eba\u4f7f\u7528\u8be5\u6c7d\u8f66\u7684\u9891\u7387\u76f8\u5bf9\u5730\u51cf\u5c11\u4e86\u3002\n\n\n\u901a\u5e38\n\u8f66\u9669\n\u4e13\u95e8\u9488\u5bf925\u5c81\u4ee5\u4e0b\u7684\u9752\u5e74\uff0c\u4ed6\u4eec\u7684\u4fdd\u9669\u8d39\u660e\u663e\u6bd4\u5176\u4ed6\u5e74\u9f84\u5c42\u9ad8\uff0c\u56e0\u4e3a\u8fd9\u4e2a\u5e74\u9f84\u5c42\u7684\u9a7e\u9a76\u4eba\u58eb\u7ecf\u9a8c\u8f83\u6d45\uff0c\u53d1\u751f\u610f\u5916\u7684\u673a\u7387\u4e5f\u6bd4\u8f83\u9ad8\u3002\u6240\u4ee5\u4fdd\u8d39\u81ea\u7136\u5f97\u8c03\u9ad8\u3002\u800c\u5df2\u5a5a\u4eba\u58eb\u5bf9\u4e8e\u4fdd\u9669\u516c\u53f8\u800c\u8a00\uff0c\u4ee3\u8868\u4e86\u6210\u719f\u7a33\u5b9a\uff0c\u4e5f\u5c31\u662f\u8bf4\u5f53\u4e00\u4e2a\u4eba\u7ed3\u5a5a\u4e86\uff0c\u4ed6/\u5979\u7684\u8d23\u4efb\u611f\u5c31\u6bd4\u8f83\u9ad8\uff0c\u4e0d\u4f1a\u968f\u610f\u9a7e\u9a76\uff0c\u56e0\u4e3a\u8981\u5bf9\u5bb6\u4eba\u6709\u4ea4\u4ee3\u548c\u8d23\u4efb\u611f\u7684\u5173\u7cfb\u3002\u4e0d\u8fc7\uff0c\u8fd9\n\u8f66\u9669\n\u8dcc\u4ef7\u4e5f\u4e0d\u662f\u80af\u5b9a\u7684\u3002\u4fdd\u9669\u516c\u53f8\u4e5f\u4f1a\u4f9d\u636e\u4e2a\u4eba\u662f\u5426\u66fe\u7ecf\u6709\u9c81\u83bd\u9a7e\u9a76\u7684\u4ea4\u901a\u8bb0\u5f55\u6216\u66fe\u7ecf\u917f\u8d77\u4ea4\u901a\u610f\u5916\u800c\u6c42\u507f\u7684\u8fc7\u5f80\u8bb0\u5f55\uff0c\u6765\u5224\u65ad\u662f\u5426\u53ef\u4ee5\u4e3a\u8fd9\u7279\u5b9a\u7684\u5ba2\u6237\u8c03\u4f4e\u4fdd\u8d39\u3002 \u8fd8\u6709\u4e00\u4e2a\u91cd\u8981\u7684\u70b9\u5c31\u662f\uff0c\u901a\u5e38\u4fdd\u9669\u516c\u53f8\u4f1a\u8981\u6c42\u63d0\u540d\u4e3b\u8981\u9a7e\u9a76\u4eba\u4e0e\u989d\u5916\u9a7e\u9a76\u4eba\u3002\u8eab\u4e3a\u8f66\u4e3b\u7684\u4f60\uff0c\u8bb0\u5343\u4e07\u4e0d\u8981\u641e\u6df7\uff0c\u4e5f\u4e0d\u8981\u4e3a\u4e86\u7701\u4fdd\u8d39\u800c\u968f\u610f\u63d0\u540d\u3002\u5c24\u5176\u662f\u5bb6\u957f\u4eec\u4e3a\u4e86\u7701\u4fdd\u8d39\u800c\u628a\u81ea\u5df1\u63d0\u540d\u4e3a\u4e3b\u8981\u9a7e\u9a76\u4eba\u3002\u8fd9\u6837\u662f\u4e0d\u7b26\u5408\u6761\u89c4\u7684\uff0c\u4e25\u91cd\u7684\u8bdd\uff0c\u53ef\u80fd\u5728\u53d1\u751f\u610f\u5916\u65f6\u4f1a\u906d\u53d7\u4fdd\u9669\u516c\u53f8\u62d2\u8d54\u3002\n\n\n\u7ed3\u4e86\u5a5a\u4e5f\u8bb8\u4f1a\u8ba9\u4f60\u7684\u8f66\u9669\u8dcc\u4ef7\uff0c\u4e0d\u8fc7\u4e00\u5207\u90fd\u8981\u8bda\u5b9e\u7533\u62a5\uff0c\u5343\u4e07\u4e0d\u8981\u968f\u610f\u81ea\u4ee5\u4e3a\u662f\u54e6\uff01\u5e0c\u671b\u6211\u4eec\u4eca\u5929\u7684\u89c6\u9891\u6559\u4f1a\u4f60\u4e00\u70b9\u70b9\uff0c \u8ba9\u4f60\u66f4\u61c2\u5f97\u8f66\u9669\u7684\u54a8\u8be2\uff01\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\n\u4fdd\u9669\u516c\u53f8\n\u6c7d\u8f66\u4fdd\u9669\n\u8f66\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/08/does-medical-insurance-cover-accidents/", "title": "Does Medical Insurance Cover Accidents?", "body": "When choosing a health insurance policy, customers consider many factors. However, we often miss out on noticing whether our \nmedical insurance\n coverage extends to personal accident injuries. An automobile accident can be emotionally and physically draining and complicate your life in the weeks and months following the collision. Injured parties will likely need immediate and long-term medical treatment. Getting medical care insurance can be complicated, which becomes more complicated in an auto accident. Determining who will pay for injuries sustained can quickly become confusing if several different \ninsurance\n policies are in place, including health and auto. To avoid being stuck with costs associated with your recovery, you must understand the other factors that determine which insurance will pay for your injuries. If you\u2019ve been in a \ncar accident\n, here\u2019s what you need to know about your \nmedical insurance\n:\n\n\nWhat Is Medical Insurance?\n\n\nMedical or health \ninsurance provides\n coverage for a person\u2019s medical and hospitalization expenses up to the policy\u2019s maximum. As part of regular health insurance plans, it will cover pre-hospitalization and post-hospitalization costs and medical costs for treatment. As health complications and \nillnesses\n become more prevalent, insurance providers are expanding their coverage. Today, one may need healthcare services for several reasons and circumstances, one of which is \nroad accidents\n.\n\n\nAccident Cover\n\n\nOne should not assume that their \nmedical insurance policy\n covers all medical costs, irrespective of their cause. If you do not have an accident policy on your medical insurance, then you can\u2019t use your \nmedical insurance policy\n to pay for your medical expenses when accidents happen. A \npersonal accident policy\n is an additional insurance product that is in addition to medical insurance. Adding \npersonal accident coverage\n to a health insurance plan or buying it is the best way to be protected in an accident.\n\n\nMeeting Your Deductibles\n\n\nAfter an accident, it will impact medical expenses by a deductible on any policy. Would you mind meeting all deductible amounts before your \ninsurance coverage\n begins? It is common for medical providers to render the necessary treatment first and then work with \ninsurance companies\n to determine who pays what. You will have a bill for the amount of the deductible.\n\n\nThe First Line Of Defense Is Auto Insurance\n\n\nSince the law requires you to carry a form of an \ninsurance policy\n before driving a vehicle, your existing auto insurance policy will usually cover initial payment after an accident. These policies cover medical bills associated with accidents up to a certain amount. It will cover the first medical bills by your policy or of the at-fault driver, depending on the situation. It\u2019s also important to take note that some of these policies have relatively low limits. Until the maximum, these plans cover only 80 per cent. If you have to use your policy for this coverage, you will be responsible for a minimum of 20 per cent for every bill until its maximum. All remaining expenses will be your responsibility once you get the maximum amount.\n\n\nPersonal Health Insurance\n\n\nAfter you exhaust all other options, your health insurance will cover the medical costs associated with your injuries. Similar to your \nauto insurance policy\n, you have to meet deductible amounts before treatment is covered. The insurer may also require you to cover co-pays and other obligations.\n\n\nIt would be best to remember that your policy coverage will heavily influence the coverage provided.\n\n\nTags:\nAuto Insurance\nMedical Insurance\nPersonal Health Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/12/22/why-you-need-flood-cover-for-your-car-insurance/", "title": "Why You Need Flood Cover For Your Car Insurance", "body": "It is not uncommon for floods to happen in Malaysia. In many areas, they are becoming more frequent and can have a devastating effect on your vehicle. So it is very important to protect your car against natural disasters such as floods before it happens. Does your \nauto insurance\n cover flood damage? Why do you need \nflood cover\n for your vehicle? Read on to know more.\n\n\nDoes Your Auto Insurance Cover Flood Damage?\n\n\nIf the policy you are carrying is \ncomprehensive\n, then you are covered for flood damage. In Malaysia, a complete policy is not mandatory, but it is recommended that you have it in any unforeseen circumstances such as flooding. Though the coverage can be pricey, it will protect you and your car from many of life\u2019s uncontrollable events in addition to heavy rains and flooding, vandalism, theft, windshield damage, etc.\n\n\nReasons Why You Need Flood Cover For Your Car\n\n\n\u00a0\n\n\nProtect You Against Substantial Financial Loss\n\n\nComprehensive cover protects you from heavy financial liability in the event of serious flooding. Floods or heavy rains can cause severe damage to a car, making \ncomprehensive auto insurance\n a must-have to protect someone from huge financial losses. Rising water levels may get into your \ncar\u2019s engine\n and interior during heavy rain, potentially wreaking havoc on the vehicle. More so, hailstorms can lead to water damage if it breaks the windows of your car, allowing rain and hail into it. When these happen, your \nflood cover\n will protect you from all financial loss resulting from the flood. If your \ncar is declared totaled\n, i.e., damaged beyond repairs or cost more than the car\u2019s worth, comprehensive coverage helps pay to replace the vehicle up to its actual cash value. Flooding can be disappointing, but having a \ncomprehensive policy\n may help protect you against massive financial loss if your car is damaged by flooding.\n\n\nSave You From Hassle And Time\n\n\nThe kind of experience one gets during and after flooding is frustrating and sometimes happens to be time-consuming. Having a comprehensive \npolicy that protects\n you against flooding saves you time and the hassle of bargaining with the property owners, other drivers.\n\n\nProtect Yourself And Other Third Party Involved\n\n\nCarrying a flood cover ensures that you, your family, and other passengers in your car are well-protected. You definitely will not experience any doubt about compensation when the flood, which may cause damage to your vehicle, sometimes causes \nbodily injury\n to you and your passengers.\n\n\nFinal Thought\n\n\nWe advise you to do what you can in advance to protect your car against \nflood damage\n. You need to Identify the danger level for a possible flood around there and weigh the value of your vehicle against the expense of comprehensive policy. Speak with your \nauto insurance\n broker to determine the best approach for you and your family. You should note that even if you carry a comprehensive policy, you should take necessary precautions to protect your car to keep away from the exorbitant, time-devouring, and depleting process of \nfiling a claim\n and battling for the work to be completed. Leaving your vehicle inside or in an elevated area with excellent drainage can help you keep away from most \nflood damage\n.\n\n\nTags:\nCar Insurance\nComprehensive Coverage\nFlood Cover\nFlood Damage\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/12/27/insurans-kereta/", "title": "Insurans Kereta Dijelaskan", "body": "Ini merupakan salah satu perkara penting bagi menjamin kereta anda selamat di jalan raya. Sebab itulah anda perlu memahami sebanyak mungkin perkara tentangnya. Dalam artikel ini anda akan diberikan penjelasan ringkas mengenai apa itu \ninsurans kereta\n dengan bahasa yang lebih mudah. Setiap pemandu di negara ini tahu bahawa mereka perlu mendapatkan pelindungan \ninsurans kereta\n sebelum kenderaan tersebut dipandu di atas jalan raya. Namun begitu, kebanyakan orang tidak memahami dengan jelas \ntentang insurans kereta\n. Selalunya, jika tidak \nberlaku kemalangan\n, kebanyakan orang tidak akan memikirkan tentang insurans mereka. Dengan mengetahui secara lebih mendalam \ntentang insurans kereta\n, ia akan dapat membantu anda itu membuat keputusan yang tepat. Artikel ini akan menghuraikan perkara asas yang perlu anda ketahui tentang insurans kereta.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nApa Itu Insurans Kereta?\n\n\nBergerak dari titik A ke titik B merupakan aspek yang sangat penting dalam kehidupan seharian. Sama ada ia untuk tujuan kerja atau pun berseronok. Semua orang perlu bergerak. Walaupun begitu, tidak mudah untuk pergi dari satu tempat ke satu tempat yang lain. Ini kerana \nkemalangan\n boleh berlaku dan menyebabkan kerosakan harta benda dan juga kenderaan. Ia juga boleh menyebabkan kecederaan dan lebih teruk lagi, kehilangan nyawa. Insurans kereta merupakan salah satu cara yang dijamin boleh membantu anda sekiranya berlaku sesuatu yang tidak diingini. Ia dapat membantu anda untuk menampung perbelanjaan akibat daripada kejadian yang tidak diingini ini. Sesetengah \ninsurans kenderaan\n adalah wajib, manakala yang selainnya pula hanyalah untuk kemudahan anda. Kami akan kongsikan kepada anda beberapa \njenis insurans\n kenderaan yang terdapat diluar sana.\n\n\nJenis Insurans Kereta\n\n\nAnda boleh menginsuranskan kenderaan anda melalui pelbagai tahap yang berbeza. Berikut merupakan beberapa pecahan jenis insurans kereta yang ada di Malaysia pada hari ini dan perkara penting yang perlu anda tahu tentangnya.\n\n\nPelindungan Pihak Ketiga\n\n\nMengikut undang-undang, anda mesti mendapatkan insurans jenis ini sekiranya anda ingin memandu kereta anda. Insurans jenis ini akan memberikan pelindungan kewangan khusus kepada anda sekiranya anda terlibat dalam kemalangan. Ia dikenali sebagai insurans pihak ketiga kerana ia akan menanggung kos kerosakan yang anda akibatkani pada pemandu kenderaan atau orang lain. Pakej ini tidak akan \nmenanggung kerosakan\n kenderaan anda. Selain itu \npelindungan jenis\n ini juga tidak merangkumi pelindungan dari kecurian, kebakaran, atau bencana alam.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nPelindungan Pihak Ketiga, Kebakaran Dan Juga Kecurian\n\n\nIni merupakan pakej insurans kereta yang lebih komprehensif. Pakej jenis ini tidaklah wajib. Sama seperti pakej asas \npelindungan pihak ketiga\n, ia akan melindungi dan membayar sebarang kerosakan, atau kos perubatan yang telah anda akibatkan kepada pemandu atau kenderaan lain. Sama juga seperti pelindungan pihak ketiga, ia tidak akan menanggung kos untuk membaiki kenderaan anda. Tetapi ia akan melindungi anda dari insiden kecurian dan juga kebakaran yang tidak disengajakan.\n\n\nPerlindungan Komprehensif\n\n\nInsurans kenderaan\n jenis ini menggabungkan perkara terbaik dari kedua-dua pakej di atas. Ia memberikan pelindungan pihak ketiga bersama dengan pelindungan daripada kecurian dan juga kebakaran yang tidak disengajakan Pakej insurans komprehensif turut memberikan pelindungan kewangan kepada anda untuk kesemua kos kerosakan kereta anda akibat daripada kemalangan. Anda juga perlu tahu bahawa, tidak ada pakej insurans kereta yang akan menanggung perbelanjaan perubatan untuk anda atau penumpang kenderaan anda yang turut terlibat dalam kemalangan. Kesimpulannya insurans kereta adalah wajib atas faktor perundangan. Selain daripada mengambil pakej insurans yang wajib, mempertimbangkan untuk mendapatkan pelindungan tambahan yang bersesuaian dengan anda, merupakan satu idea yang baik.\n\n\nTags:\nInsurans Kereta\nPelindungan Pihak Ketiga\nPerlindungan Komprehensif\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/07/24/why-is-car-insurance-mandatory/", "title": "Is Car Insurance Mandatory?", "body": "Vehicle owners in most states within the country are required to have car insurance coverage to ensure that they can cover whatever damage or injury that occurs during the use of the vehicle. You see a vehicle you like. You check out its specifications and price, buy it, and start using your vehicle pronto. Life should be that easy and straightforward, right? However, things are rarely ever that easy.\n\n\nWhen it comes to owning and using a vehicle in the country, there are many things involved. One of them is \ncar insurance\n. You\u2019re probably thinking, why do I have to get \ncar insurance\n? They\u2019re so complicated and difficult to understand, do I need to get involved with it? Short answer\u2013Yes! Like \nevery other type of insurance\n out there, \ncar insurance\n is available purely for your safety and that of the people and property around you. Because car insurance is a must-have before you can freely use your car, it is regulated at the state level, not at the federal level.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhy Is Car Insurance So Important? Because You Need It!\n\n\nSurprising, isn\u2019t it? Well, it\u2019s true, and this is why. From the moment vehicles came into use, it was clear that accidents would be inevitable. Car insurance is the only way to safely guarantee that any car owner\u2019s damage or injury inflicted on another person\u2019s self or property would be assuredly paid for. The assumption behind this reasoning is that if vehicle owners cannot \ncover the expenses of the damages\n or injury they cause, the society at large would suffer financial loss. That is why obtaining at least a \nthird party \ninsurance policy\n, among other things, is mandatory before your vehicle can be duly deemed roadworthy. Even the most careful drivers will, at some point in time, encounter accidents one way or the other. Having insurance is a safety measure that helps make sure that such mishaps don\u2019t affect you severely, financially speaking.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhat Type of Car Insurance Do I need?\n\n\nNot all \u201ctypes\u201d of car \ninsurance is mandatory\n. While it is always good to get as much coverage as you can easily afford, the law doesn\u2019t necessarily demand that of you. If you aren\u2019t getting the full \ncar insurance\n package, there are two types of car insurance you should know about. They are:\n\n\n\n\nThird Party\n, Fire and Theft Insurance\n\n\nThird Party Insurance\n\n\n\n\nThird Party, Fire, and Theft Insurance got your vehicle covered in incidents like theft, vandals, and so on. Because this \ninsurance\n is solely for your protection, you may choose to or not to get it. It is, as such, not mandatory. On the other hand, \nThird Party insurance\n is very compulsory because it is this insurance that covers whatever harm is caused to someone else or their property.\n\n\nConclusion\n\n\nSince \ncar insurance policy\n is governed at the state level, the degree of comprehensive coverage required of you may differ significantly from state to state. As such, you would need to visit your state\u2019s \nroad transport department (JPJ)\n to make inquiries to find out how much coverage you need.\n\n\nTags:\nFire and Theft Cover\nJPJ\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/07/benefits-of-travel-insurance-for-domestic-travel/", "title": "Benefits Of Travel Insurance For Domestic Travel", "body": "When you travel, your ice-breaking conversation is at its most spontaneous. Travel is often referred to as the only expense that enriches your life! Not only does it enhance your knowledge and experiences, but it also enlightens your mind and spirit. However, traveling is not without risk and uncertainty. It is where travel insurance comes in. In most cases, people purchase Travel Insurance Policies when traveling abroad, but not when traveling within the country. The trouble is, emergencies can happen at any time.\n\n\nWhat Is Domestic Travel Insurance?\n\n\nDomestic travel\n insurance is a type of insurance designed for Malaysians traveling within the country. Domestic policies cover medical emergencies, accidents, route issues, flight delays, damage, cancellation, luggage loss, and any other unforeseen circumstance that causes a loss to the customer.\n\n\nWhy Is Travel Insurance Necessary For Domestic Travel?\n\n\nThe role of travel insurance is to cover the specific needs of travelers during unforeseeable situations. The policy protects them from financial losses in the event of a medical emergency, death, or the loss of their passport or luggage, among other scenarios. Travel \ninsurance\n is more or less essential if you are traveling abroad since many countries require it. Most people buy travel insurance when traveling internationally, but not domestically. Travel insurance is just as important when traveling domestically as when traveling internationally. When you travel, your mind begins to imagine positive experiences, but there can be some unpleasant moments in reality. Your \ndomestic travel insurance\n covers your health and your belongings as well. The process of handling emergencies becomes easier if you have insurance, regardless of the trip is domestic or international.\n\n\nBenefits Of Domestic Travel Insurance?\n\n\nTravel insurance for \ndomestic travel\n provides the following benefits:\n\n\n\n\nTravelers will be reimbursed for medical expenses incurred in-country\n\n\nIn an accident, you will receive complete financial coverage\n\n\nThere will be a refund in the event of any delays or cancellations\n\n\nYou will receive emergency cash if you run out of cash\n\n\nIn an unfamiliar environment where every aspect looks uncertain, 24/7 emergency assistance will be available to you.\n\n\n\n\nWhat Domestic Travel Insurance Policy Covers?\n\n\nMedical or Accidental Cover\n\n\nDomestic \ntravel insurance provides coverage\n for accidents and other health issues as well. This feature can be handy for people who don\u2019t have health insurance or have a limited range.\n\n\nFlight Cancelation or Delay\n\n\nIf there is a delayed or canceled flight, you may not only experience inconvenience, but you may also incur expenses if you don\u2019t make your connecting flight or stay at the hotel. You can get compensation for the delays or cancellations by purchasing \ndomestic travel insurance\n.\n\n\nLoss of Baggage\n\n\nGetting travel insurance can be an option if you are concerned that your baggage could be lost while in transit. Most airlines have lost luggage compensation policies, but they can\u2019t always cover the total cost of your belongings. Travel insurance gives full coverage if your luggage is lost.\n\n\nPersonal Liability\n\n\nInsurers are introducing this new service quite recently. Under this feature, third parties\u2019 property is covered against accidental damage. It\u2019s handy for those traveling with children, as children are naturally curious and often damage others\u2019 property.\n\n\n\n\nConclusion\n\n\nThe cost of international travel makes travelers more likely to purchase travel insurance. However, unexpected costs incurred by medical emergencies, accidents, trip cancellations, and lost baggage can also cause frustration during domestic travel. Domestic \ninsurance is not mandatory\n, but it can be beneficial. You can feel secure and assured in all situations while traveling away from home with domestic travel insurance. In addition, your trip will be much smoother and safer with domestic travel insurance. When you travel within the country, don\u2019t forget to buy travel insurance that will fit your budget. In an unexpected unfavorable situation, a little investment in travel insurance can help save you a lot of money. Purchase a \ndomestic travel plan\n from Fincrew Insurance today and travel stress-free.\n\n\nAre you traveling within the country? Make your trip safe and secure with \nFincrew travel insurance\n!\n\n\nTags:\nDomestic Travel Insurance\nFlight Cancelation\nLoss of Baggage\nPersonal Liability\nTravel Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/08/20/can-i-cancel-my-car-insurance-before-it-expires/", "title": "Can I Cancel My Car Insurance Before It Expires?", "body": "Why would you want to cancel your \ncar insurance\n policy? It could be that you aren\u2019t planning on driving the vehicle for a while. Perhaps you are selling it, and the purchaser insists on switching insurance providers. It might be that you need the cash, and you wonder if there is a refund that comes with the cancelation. Read on this guide to learn everything there is to know about canceling your \ncar insurance\n policy before it expires!\n\n\n\n\nIs It Possible To Cancel Your Car Insurance Before It Expires?\n\n\nThe answer is yes, and we believe that\u2019s what you wanted to hear. If you do \nbusiness\n with legitimate Malaysian insurance providers, it will be possible to cancel your \ncar insurance policy\n at any moment. That is a convenient option because it allows you to get out of a contract that you don\u2019t want to be in anymore.\n\n\nWhat Should You Do To Cancel Car Insurance Before It Expires?\n\n\nAccording to the experts, you should contact your insurance company or agent first. It might be smart to visit the agency\u2019s website to see what the cancellation conditions and requirements are. Those could also be specified as a part of your \ncar insurance policy\n. It usually comes down to this \u2013 you file a request for cancellation and send it to the agency. From there, the company processes your requests and breaks the contract. It is critical to emphasize that you will have to return the Certificate of Insurance. That certificate will no longer be valid, and the \ninsurance company\n will make sure it\u2019s archived properly. Another thing to note is that you will have to sign the cancellation agreement yourself. You cannot send another party to \ncancel the policy\n for you. Since you are the policyholder, you are the only one who can ask to nullify the deal.\n\n\nCan You Expect A Refund If You Cancel Motor Insurance Before It Expires?\n\n\nHere is the good news \u2013 you can look forward to a refund if you cancel the \ninsurance policy\n earlier! However, there are a couple of exceptions here. First, the \ninsurance companies\n only pay a partial refund, and it depends on when you decided to cancel the policy. Another thing to note is that you shouldn\u2019t expect a refund if the deal has been active for at least eight months. Here is a table on the refund the expect:\n\n\n\n\n\n\n\n\n\n\n \n\n\n\n\n\n\n\n\nInsurance Time\n\n\n\n\n\n\nRefund %\n\n\n\n\n\n\n\n\n\n\nLess than eight months\n\n\n\n\n\n\n12.5%\n\n\n\n\n\n\n\n\n\n\nLess than six months\n\n\n\n\n\n\n25%\n\n\n\n\n\n\n\n\n\n\nLess than four months\n\n\n\n\n\n\n37.5%\n\n\n\n\n\n\n\n\n\n\nLess than three months\n\n\n\n\n\n\n50%\n\n\n\n\n\n\n\n\n\n\nLess than two months\n\n\n\n\n\n\n62.5%\n\n\n\n\n\n\n\n\n\n\nLess than a month\n\n\n\n\n\n\n75%\n\n\n\n\n\n\n\n\n\n\nLess than a week\n\n\n\n\n\n\n87.5\n\n\n\n\n\n\n\n\n\n\n\n\nAs you can see, the sum that you receive decreases over time. If you are planning on canceling your policy, you should do it as soon as possible. That will ensure you receive the biggest part of your premium as a refund for the cancellation.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nCan You Renew Your Car Insurance Policy Early?\n\n\nWhat if you don\u2019t want to cancel but extend your \nmotor insurance\n policy before it expires? The good news is that you can do it, too. It\u2019s in your interest not to let a day pass without having valid car insurance. That is why many companies allow you to start renewing the deal as early as two months before it expires.\n\n\nTags:\nCar Insurance\nInsurance Policy\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/08/23/insurance-terms-you-must-know-before-you-make-a-claim/", "title": "Insurance Terms You Must Know Before You Make A Claim", "body": "Are you thinking about getting motor insurance? Do you already have motor insurance, and it is time to make a claim? Whatever the case, it is essential to understand the details of your policy thoroughly. Here is the clarification of \ninsurance terms\n that often trouble \nmotor insurance policy\n owners.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nThird-Party Cover\n\n\nWe start with a term that is imperative to understand. If we are talking about a third-party cover as a part of your \ninsurance\n, we refer to the damage of the third-party\u2019s property. The task of this cover is to keep the vehicle owner protected from financial liability caused by injury, death, or physical damage to someone else\u2019s property. Have you ever wondered why they are using the term \u201cthird party?\u201d It is because the property is not owned by the insurance company or the policy\u2019s owner.\n\n\nRider\n\n\nA rider is a document that changes the original policy you signed. It can be a modification that waives a specific coverage or condition or can increase the benefits. Any change made to the initial contract is considered a rider. When it comes to \nmotor insurance\n, the most common rider is for a personal accident.\n\n\nPersonal Accident Cover\n\n\nIf we are talking about \nroad accidents\n, we might be talking about physical damage to the vehicles involved. However, there might also be personal injuries, such as \naccidental death\n, temporary or permanent disability. It is crucial to note that not all policies cover \npersonal accidents\n. It might be a smart move to add this to your \ninsurance\n plan.\n\n\nNo Claim Discount\n\n\nNCD is good news for you. First, it means you haven\u2019t made a \nclaim\n in the last 12 months, which means you haven\u2019t participated in an accident. Insurance companies see that as responsible behavior toward your vehicle, which is why they allow the \nNo Claim Discount\n.\n\n\nOwn Damage Premium\n\n\nThis is the crucial component of the \npremium you pay for vehicle insurance\n. The idea of the own damage premium is to protect you from financial liabilities when events that are out of your control cause damage to your motor. We are not talking about road accidents, but rather earthquakes, explosions, fires, and other natural or man-made disasters.\n\n\nPolicy/Inception/Effective Date\n\n\nThese dates are important because they tell you when the policy becomes active. For starters, a policy date is the one you see written on the contract. The issue or inception date is the moment when the agency approves your policy. Policy and inception dates can be the same. Make sure to check the \u201cEffective date\u201d of your policy. From that date, the policy is active, and the legal obligations of both parties begin.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nAdditional Terms You Should Know\n\n\nHere are some other \ninsurance terms\n that could help you when \nmaking a claim\n or choosing motor insurance:\n\n\n\n\nCoverage\n \u2013 it is a term used to discover the benefits and protection provided by an insurance plan.\n\n\nClaim\n \u2013 if a user demands a payment based on their \nmotor \ninsurance policy\n, they are making a claim. For the claim to pass, the request needs to meet the \ninsurance terms\n of the plan.\n\n\nPremium\n \u2013 it is the \ncost of your insurance\n plan for a specified time.\n\n\nInsured declared value\n \u2013 the value of your vehicle agreed by the insurance company and you as the vehicle owner.\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nTags:\nCoverage\nDeclared Value\nInception\nInsurance Claims\nNo Claim Discount (NCD)\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/02/22/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e4%b9%9f%e6%9c%89%e6%8a%98%e6%89%a3/", "title": "\u6c7d\u8f66\u4fdd\u9669\u4e5f\u6709\u6298\u6263\uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u5f88\u591a\u8f66\u4e3b\u4e70\u4e86\u6c7d\u8f66\u540e\uff0c \u6bcf\u4e2a\u6708\u9664\u4e86\u7f34\u4ed8\u6c7d\u8f66\u7684\u5206\u671f\u4ed8\u6b3e\u3001\u6dfb\u6cb9\u3001\u5b9a\u671f\u4fdd\u517b\u8f66\u5b50\u7b49\uff0c\u8fd8\u8981\u6bcf\u5e74\u90fd\u652f\u4ed8\u4e00\u7b14\u8d39\u7528\u6765\u66f4\u65b0\u8f66\u9669\u548c\u9053\u8def\u7a0e\u3002\u6240\u4ee5\u4eca\u5929\u6211\u4eec\u5c31\u4e3a\u5927\u5bb6\u5206\u4eab\u4e00\u4e9b\u8f66\u9669\u7684\u7684\n\u6298\u6263\n\uff0c\u8fd9\u6837\u5927\u5bb6\u5c31\u80fd\u5411\u4f60\u7684\u4fdd\u9669\u516c\u53f8\u8be2\u95ee\uff0c\u6765\u83b7\u53d6\u4e00\u4e9b\n\u6298\u6263\n\uff0c\u4ee5\u66f4\u4fbf\u5b9c\u7684\u4ef7\u683c\uff0c\u83b7\u5f97\u540c\u6837\u7684\u4fdd\u9669\u8986\u76d6\u8303\u56f4\uff01\n\n\n\u7b2c\u4e00\u3001NCD\u6298\u6263\n\n\n\u4ec0\u4e48\u662fNCD\u6298\u6263\u5462\uff1fNCD \u662fNon Claim Discount\u7684\u7f29\u5199\u3002\u987e\u540d\u601d\u4e49\u5c31\u662f\u65e0\u7406\u8d54\u6298\u6263\uff0c\u4e5f\u5c31\u662f\u8bf4\uff0c\u5728\u8fc7\u53bb\u88ab\u4fdd\u7684\u4e00\u5e74\u5185\uff0c\u5982\u679c\u4f60\u6ca1\u6709\u4efb\u4f55\u7406\u8d54\u8bb0\u5f55\uff0c\u4f60\u5c31\u80fd\u83b7\u5f97\u6b64\u9879\u6298\u6263\u3002\u800c\u4e14\uff0c\u6b64\u6298\u6263\u662f\u9010\u5e74\u589e\u52a0\u7684\u3002\u5728\u6ca1\u6709\u7406\u8d54\u76846\u5e74\u6216\u4ee5\u4e0a\uff0c\u4f60\u7684NCD \u6298\u6263\u5c31\u53ef\u9ad8\u8fbe55%\u4e86\uff1b\u4f46\u662f\u5982\u679c\u4f60\u7533\u8bf7\u7406\u8d54\uff0c\u4f60\u7684NCD\u6298\u6263\u7387\u5c06\u4f1a\u5f520%\u3002 NCD \u6298\u6263\u7387\u662fPersatuan Insurance Am Malaysia \u4e5f\u5c31\u662f\u9a6c\u6765\u897f\u4fdd\u9669\u534f\u4f1a\u6240\u5236\u5b9a\u7684\u3002\n\n\n\n\n\u7b2c\u4e8c\u3001\u8d2d\u4e70\u591a\u79cd\u4fdd\u9669\u6298\u6263 \uff08Multi Policy Discount\uff09\n\n\n\u4e00\u822c\u4e0a\uff0c\u5982\u679c\u4f60\u5728\u540c\u4e00\u5bb6\u4fdd\u9669\u516c\u53f8\u8d2d\u4e70\u8d85\u8fc7\u4e00\u79cd\u4fdd\u9669\uff0c\u4fdd\u9669\u516c\u53f8\u90fd\u4f1a\u7ed9\u4e88\u4f60\u5728\u8f66\u9669\u4e0a\u4e00\u4e9b\u6298\u6263\u3002\u6bcf\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u6298\u6263\u7387\u90fd\u5404\u4e0d\u76f8\u540c\uff0c \u4f60\u53ef\u4ee5\u8be2\u95ee\u4f60\u7684\u4fdd\u9669\u4e2d\u4ecb\u4ee5\u83b7\u53d6\u66f4\u591a\u8d44\u8baf\u3002\n\n\n\u7b2c\u4e09\u3001\u7eed\u4fdd\u6298\u6263 \uff08Renewal Discount\uff09\n\n\n\u4fdd\u9669\u516c\u53f8\u4e4b\u95f4\u7684\u7ade\u4e89\u5f3a\u70c8\uff0c\u6240\u4ee5\u4ed6\u4eec\u90fd\u4f1a\u5c3d\u53ef\u80fd\u633d\u7559\u73b0\u6709\u7684\u6295\u4fdd\u4eba\u3002\u56e0\u6b64\uff0c\u5728\u4fdd\u9669\u672a\u8fc7\u671f\u524d\uff0c\n\u4fdd\u9669\u516c\u53f8\n\u90fd\u4f1a\u8be2\u95ee\u4f60\u662f\u5426\u6709\u7eed\u4fdd\u7684\u610f\u613f\uff0c\u5e76\u7ed9\u4e88\u4f60\u7eed\u4fdd\u6298\u6263\uff0c\u4ece\u800c\u51cf\u4f4e\u4f60\u7684\u4fdd\u9669\u8d39\u6765\u5438\u5f15\u4f60\u7559\u5728\u4ed6\u4eec\u7684\n\u4fdd\u9669\u516c\u53f8\n\u3002\n\n\n\u5e0c\u671b\u901a\u8fc7\u4eca\u5929\u89c6\u9891\uff0c\u4f60\u5df2\u7ecf\u4e86\u89e3\u5404\u79cd\u8f66\u9669\u7684\u6298\u6263\uff0c\u8bb0\u5f97\u5411\u4f60\u7684\u4fdd\u9669\u4e2d\u4ecb\u8be2\u95ee\uff0c\u56e0\u4e3a\u4e0d\u662f\u6bcf\u4e00\u4e2a\u6298\u6263\u90fd\u662f\u81ea\u52a8\u7ed9\u4e88\u4f60\u7684\u3002\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\nMulti Policy Discount\nNo Claim Discount (NCD)\nRenewal Discount\n\u4fdd\u9669\u6298\u6263\n\u6c7d\u8f66\u4fdd\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/11/what-happens-if-i-die-without-a-will/", "title": "What Happens If I Die Without a Will?", "body": "The concept of one\u2019s mortality is a complex topic to contemplate, so most people avoid doing so, whether directly or indirectly. It is also perhaps why more than 50% of middle-aged people in the country still don\u2019t have \na will\n. Many of these people often ask questions like;\n\n\n\n\nWhy do I \nneed a will\n?\n\n\nWhat happens if I die without a will?\n\n\n\n\nHere, we\u2019ll be addressing these critical questions much more concisely. But first, some context.\n\n\nWhat Exactly Is a Will?\n\n\nBefore you judge if you need something, you have first to know what the thing in question entails. \nA will\n detail their wishes, the distribution of properties, and the care of their (minor) children.\n\n\nWhy Do You Need a Will?\n\n\nContrary to what others think, preparing a will isn\u2019t a luxury reserved for only the wealthy. Some important reasons why you\u2019re better served \npreparing a last will\n include;\n\n\n\n\nYou get to state how you want your estate to be handled explicitly.\n\n\nYou\u2019ll be able to keep your property out of the hands of people you specifically don\u2019t want to get it.\n\n\nYou can pick who\u2019ll care for your young children if the worst happens.\n\n\nIt\u2019ll make the process of inheriting your estate easier for your children.\n\n\nGiving charitable donations and gifts will be an easy affair.\n\n\nIt affords you a measure of flexibility.\n\n\n\n\nWhat Happens If You Die Without It?\n\n\nPeople who die without a valid will have been killed \u201cintestate.\u201d When such a situation occurs, the handling of the estate is left to the state. The designated formula to allocate your assets is dictated by the \nDistribution Act 1958\n. Some problems that\u2019ll result from this include;\n\n\n\n\nAs the \nDistribution Act 1958\n doesn\u2019t account for several modern-day scenarios, the allocation of your estate to your surviving family members may be uneven and problematic.\n\n\nYou forfeit the right to choose your executor.\n\n\nThe chances of family disputes occurring increase exponentially.\n\n\nYou won\u2019t be able to choose who\u2019ll care for your young children in your absence.\n\n\nDistributing your estate will take far longer than it rightly should.\n\n\n\n\nThe truth remains that no single document is enough to solve any issue that might come up after your demise. However, a will ensures there\u2019s a straightforward way to resolve many of these issues quickly.\n\n\nFincrew Online Will Writing Services banner\n\n\nGetting a Will In Malaysia Today\n\n\nWhen you weigh the pros of getting a will against doing without, you realize you\u2019re better served preparing this legal document. If you want to do that with ease and at an affordable rate anywhere in Malaysia today, utilize the \nonline will writing services\n of Fincrew.\n\n\nTags:\nDistribution Act 1958\nExecutor\nOnline Will Writing\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/05/01/perkara-yang-tidak-dilingungi-oleh-insurans-motosikal/", "title": "Perkara Yang Tidak Dilingungi Oleh Insurans Motosikal", "body": "Seperti yang semua orang sedia maklum, setiap pemilik motosikal di negara ini diwajibkan untuk mengambil \ninsurans motosikal\n. Insurans ini sangat penting bagi melindungi penunggang motosikal dari segi kewangan sekiranya berlaku sesuatu yang tidak diingini. Tetapi, tahukah anda? \nInsurans motosikal\n yang biasa ini tidak akan melindungi anda daripada segala situasi buruk yang mungkin akan berlaku. Apakah jenis situasi yang tidak akan mendapat \npelindungan insurans\n tersebut?\n\n\n1. Perlindungan Hanya Untuk Pemilik\n\n\nBagi \njenis insurans\n biasa seperti \u2018Single Rider\u2019, \npelindungan insurans\n hanya akan diberikan kepada pemilik motosikal sahaja. Jadi, sekiranya sesebuah motosikal itu di tunggang oleh individu lain dan berlaku kemalangan, pemilik motosikal tidak berhak untuk mendapat ganti rugi ke atas kerosakan oleh penunggang tadi. Sebagai langkah berjaga-jaga, pemilik motosikal boleh memilih untuk menambah \u2018All Riders\u2019 dalam \npolisi insurans\n. Tetapi ini akan menyebabkan harga \npremium insurans\n menjadi lebih tinggi. Sekurang-kurangnya, motosikal tersebut akan dilindungi tidak kiralah siapa yang menunggangnya nanti.\n\n\n2. Kecurian Aksesori\n\n\nUntuk pengetahuan anda juga, motosikal anda tidak akan mendapat \npelindungan insurans\n sekiranya yang dicuri hanyalah aksesori, contohnya tayar. Sekiranya anda mahukan pelindungan yang lebih menyeluruh, anda boleh meminta pihak insurans membuat tambahan pada polisi insurans motosikal anda untuk memasukkan pelindungan daripada kecurian aksesori motosikal.\n\n\n3. Peperangan\n\n\nKita sebagai rakyat Malaysia sememangnya perlu bersyukur kerana negara kita tidak pernah mengalami peperangan sejak kita mencapai kemerdekaan pada tahun 1957. Tetapi, sekadar sebagai maklumat tambahan, motosikal anda tidak akan mendapat pelindungan daripada pihak insurans sekiranya berlaku kerosakan yang diakibatkan oleh peperangan. Namun begitu, anda tetap boleh membuat pelindungan tambahan bagi melindungi motosikal anda daripada gangguan awam seperti rusuhan, mogok, dan sebarang kekecohan awam.\n\n\n4. Berada Dibawah Pengaruh Alkohol/ Dadah\n\n\nPihak insurans juga tidak akan berkompromi dengan sebarang apabila melibatkan penggunaan alkohol atau dadah oleh penunggang motosikal. Pihak insurans tidak akan memberikan sebarang pampasan jika kerosakan tersebut berlaku semasa penunggang berkenaan menunggang motosikal tersebut semasa berada di bawah pengaruh alkohol mahupun dadah. Memandu atau di bawah pengaruh alkohol atau alkohol sehingga menyebabkan kecederaan terhadap orang lain juga merupakan satu jenayah yang boleh mengakibatkan hukuman penjara selama 3 tahun sehingga 10 tahun dan juga denda sebanyak RM8,000 hingga RM20,000.\n\n\n5. Kemalangan Yang Berlaku Di Luar Negara\n\n\nPolisi insurans\n biasa juga tidak akan melindungi kemalangan yang berlaku di luar negara. Polisi tersebut hanya boleh diguna pakai di negara ini sahaja kerana mengkhususkan kepada undang-undang jalan raya di Malaysia.\n\nTetapi terdapat juga \nsyarikat insurans\n yang meluaskan kawasan yang dilindungi oleh polisi yang diambil seperti Singapura dan juga Brunei. Nak lagi mudah, ambil sahaja pelan tambahan untuk menambah keluasan kawasan atau negara di mana polisi anda itu boleh digunakan.\n\n\n6. Tuntutan Yang Keterlaluan\n\n\nAda sesetengah pemilik insurans suka mengambil kesempatan untuk mendapatkan pampasan yang lebih besar dengan menipu.Contohnya kerosakan yang berlaku adalah kecil sahaja, tetapi mereka di dalam borang tuntutan kerosakan yang dialami adalah lebih teruk dari yang sebenar. Anda perlu ingat, pihak insurans akan menjalankan siasatan ke atas setiap tuntutan insurans. Jadi, jika anda didapati berbohong, ini boleh menyebabkan tuntutan anda bukan sahaja ditolak tetapi juga polisi anda juga mungkin akan dibatalkan.\n\n\n7. Kerosakkan Akibat Bencana Nuklear\n\n\nMengambil iktibar daripada musibah letupan nuklear di negara luar, kerosakan akibat bahan berbahaya ini akan bertambah buruk dari masa ke semasa. Disebabkan itu, syarikat insurans tidak memberikan pelindungan yang diakibatkan oleh bencana ini kerana mereka mungkin terpaksa membayar ganti rugi secara berterusan.\n\n\nWalaupun kebanyakan situasi di atas boleh diuruskan dengan mengambil pelan tambahan, bukan semua pakej insurans menawarkan pelan tambahan tersebut. Jadi sebagai pemilik motosikal, jika anda mahukan pelan tambahan ini anda perlu melakukan sedikit kajian dan juga perbandingan untuk mendapatkan pelindungan terbaik yang bersesuaian dengan anda. Di Fincrew, kami menyediakan sistem perbandingan insurans terbaik untuk memudahkan anda.\n\n\nTags:\nInsurans Kenderaan\nInsurans Motosikal\nPolisi Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/16/malaysian-driving-license-renewal-cost/", "title": "Malaysian Driving License Renewal Cost", "body": "Every driver in Malaysia must have a valid Competent Driving License (CDL) to legally drive. However, Malaysian driver\u2019s licenses expire after a certain period, and it is up to you to renew them on time to avoid problems down the road. We will discuss all aspects of \nrenewing your license\n throughout this piece, such as fees and methods.\n\n\nGetting Your Driving License Renewed\n\n\nUpon receiving your \ndriver\u2019s license\n, you will notice a date that indicates the expiration date. In the past, the basis of your driving license\u2019s expiration date was on the validity period you chose. Still, since mid-November 2011, the expiration date has been associated with your date of birth to make it easier to remember. Your \ndriving license\n will have a validity period of one year at the minimum and a maximum of five years at the most. Renewals will cost RM30 for one year, RM90 for three years, and RM150 for five years.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nI Forgot To Renew My License. What Will Happen?\n\n\nSomeone who \ndrives with an expired license\n will pay a fine. How much you need to pay depends on how long it has been since the permit has expired. The table below shows the amount you will pay as the days increase.\n\n\n\n\n\n\n\n\n\n\n \n\n\n\n\n\n\n\n\n1 \u2013 15 days\n\n\n\n\n\n\nRM 150\n\n\n\n\n\n\n\n\n\n\n16 \u2013 30 days\n\n\n\n\n\n\nRM 200\n\n\n\n\n\n\n\n\n\n\n31 \u2013 60 days\n\n\n\n\n\n\nRM 300\n\n\n\n\n\n\n\n\n\n\n\n\nRenewing Your Driving License In Malaysia\n\n\nWhenever you are concerned about missing the deadline, you can always refer to JPJ\u2019s website for all the information related to the expiration date of your driver\u2019s license. It is also possible to review the date your license expires and when it was last renewed. To get started with the process, all you have to do is follow the guidelines below:\n\n\n\n\nPlease choose a category according to your ID by clicking on it. Click on MyKad if you are a Malaysian.\n\n\nPlease enter the security code shown along with your MyKad number. Be sure you enter the correct information and follow the format.\n\n\nWe will display all the information related to your \ndriving license\n so that you can always keep track of when it expires.\n\n\n\n\nRenewing Your Driving License In Person\n\n\nPost Office (Pos Malaysia)\n\n\nYour MyKad and your existing driver\u2019s license are all you need to renew your license at any Pos Malaysia outlet. Early arrival at the post office is the key to avoiding long lines.\n\n\nRoad Transport Department Malaysia (JPJ)\n\n\nYou can process the renewal of your driver\u2019s license at your nearest JPJ office. To apply, you will need your MyKad and your existing driving license (added photo is optional). The entire process of \nrenewing your license\n here usually takes less than an hour.\n\n\nUrban Transformation Centre (UTC)\n\n\nYou can renew your driver\u2019s license at the JPJ branch in most UTCs.\n\n\nThe Key Thing To Remember When You Renew Your License\n\n\nIn the instance of not renewing your expired driver\u2019s license for three years or more, your license becomes null and void. That means it isn\u2019t renewable anymore! Instead, you will receive an eRayuan letter which will allow you to obtain an \u201cL\u201d license (costs RM30) from any JPJ office, as well as having to take the practical driving tests 2 and 3. That\u2019s not all; you won\u2019t gain your CDL after passing the test; you\u2019ll be given a probationary license (P) for two years.\n\n\nGetting a New Driving License Online\n\n\nAs of October 9th, 2020, JPJ will be offering driver\u2019s license \nrenewals online\n via MyEG. Follow these steps to renew your license on MyEG\u2019s website:\n\n\n\n\nPlease visit the official MyEG website. Click on \u201cRegister Now\u201d to create a MyEG account if you don\u2019t have one already.\n\n\nOnce you have logged into MyEG, select your nearest JPJ branch, then click \u201cLogin.\u201d\n\n\nThen, click \u201cRenew Driver\u2019s License.\u201d\n\n\nYou will then be required to provide all the necessary information and choose your payment method. Make sure everything you provided is accurate before you confirm your payment.\n\n\nAs proof, save the receipt once completed.\n\n\nYou will receive your new driving license at the address you have provided.\n\n\n\n\nTags:\nCompetent Driving License\nDriving License\nJPJ\nMyEG\nMyKad\nRoad Transport Department Malaysia\nUrban Transformation Centre\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/24/benefit-of-car-extended-warranties-in-terms-of-financial/", "title": "Benefit Of Car Extended Warranties In Terms Of Financial", "body": "Car buyers are usually excited about purchasing a new vehicle and may not be concerned about warranties. All new cars come with a guarantee that provides peace of mind for three to seven years. Nevertheless, if you plan on keeping your car for any longer than that period, or if you\u2019re purchasing a used car that\u2019s beyond the manufacturer\u2019s warranty period, you might think about taking out an \nextended warranty\n. Our goal as experts in \ncar extended warranties\n is to help you see its benefits.\n\n\nWhat\u2019s An Extended Car Warranty?\n\n\nAn \nextended warranty\n is insurance that covers repairs after the warranty period of a manufacturer or retailer has expired. It can provide you with additional coverage when the factory warranty expires. If there is no warranty, you are responsible for \ncovering the cost of repairs\n. You can also benefit from this warranty if you are concerned about budgeting repair costs. In this way, you don\u2019t have to deal with unpleasant surprises down the road.\n\n\nDifferent Sources To Buy Extended Car Warranty?\n\n\n\n\nYou can \nbuy an extended car warranty\n or mechanical breakdown insurance from three different sources:\n\n\nThe manufacturer\u2019s warranty, which you can buy when you buy the car or before the original contract expires.\n\n\nA contract is provided by a franchised car dealership or car supermarket.\n\n\nAn independent warranty.\n\n\n\n\nBenefits Of Car Extended Warranty\n\n\nConvenience and Peace-of-Mind\n\n\nThere is nothing more stressful or disruptive than experiencing a car breakdown. Having an \nextended warranty\n allows you to help yourself when you need it most. In addition, your \nextended warranty\n will provide your customer with additional services like towing, hotel and meal reimbursement, as well as a rental car so they can get back onto the road.\n\n\nBudget Protection\n\n\nThere can be damages in the event of a breakdown. Under their factory warranty, new car buyers are protected quickly. Still, as vehicle owners are now keeping their cars longer than ever before, they\u2019ll likely exhaust their factory warranty within two to three years. The purchase of an extended warranty, such as Mechanical Breakdown Protection, assures similar customer protection after the manufacturer\u2019s warranty expires.\n\n\nImproved Customer Satisfaction\n\n\nWith the help of an extended warranty, customers can ensure that they are taken care of throughout their ownership experience. Also, you can be assured that you can bring your car back to the same place you bought it \u2013 so that you can take advantage of your connections and get unmatched quality and service, regardless of whether it\u2019s a simple oil change or more complex repairs. You and your customer both win!\n\n\nGreater Car Value\n\n\nAn extended warranty has a hidden benefit that most customers are unaware of, and that is the fact that the policy becomes more valuable as the vehicle ages. Having an extended warranty or being under warranty makes it more likely for the vehicle\u2019s maintenance. If the customer decides to sell, it will command a higher trade-in value at the dealership since it is more trustworthy and valuable.\n\n\nEveryone benefits from \ncar extended warranties\n! The dealership can rest easy knowing that its customers are protected by a fantastic protection product and get the above benefits.\n\n\nTags:\nCar Value\nExtended Warranty\nMechanical Breakdown Protection\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/25/how-dangerous-is-driving-with-a-cracked-windshield/", "title": "How Dangerous Is Driving With a Cracked Windshield?", "body": "Car windshields often become damaged by small rocks, chips, and cracks when they strike against them. Whatever the cause of the incident, serious safety concerns and quick fixes are available for the problem. It is common for people to wonder, \u201cIs a \ncracked windshield\n dangerous?\u201d?The first thing to know is that a broken windshield is very unlikely to break and cause injury. Nonetheless, the level of danger varies on multiple variables, including where the damage begins, whether it\u2019s on the driver-side or passenger-side, and the size of the crack or chip. In addition to maintaining structural integrity in the event of a rollover accident, your windshield serves as a \u201cbackboard\u201d for your airbags to deploy and as a viewing area for any cameras that are part of your vehicle\u2019s Advanced Driver Safety system. A few examples of this are lane departure warnings, adaptive cruise control, and adaptive braking. Here\u2019s why it\u2019s not worth it to drive with a cracked windshield:\n\n\nVisibility Obstruction\n\n\nCracked windshields lying directly in your line of sight can obstruct your vision, especially in low light or during rough weather. As a result of impaired vision, you are more involved in a collision or a pile-up on the road. Furthermore, a \ncracked windshield\n is also a constant distraction. In addition to reflecting sunlight, cracks also create an unwelcome glare. In such a case, your safety and the safety of the occupants of your vehicle may be in danger.\n\n\nThe Integrity Of The Car Is Compromised\n\n\nA windshield that works perfectly adds 40% to the strength of the roof of the car. A car windshield serves an \nessential purpose\n. The windshield\u2019s vital function is not compromised by a crack in the glass but is less effective when cracked. Due to these factors, when the car rolls over, its roof could collapse and cause grave injuries to its occupants.\n\n\nFatal Accidents\n\n\nWindshields are designed to protect you, your passengers, and your \ncar during accidents\n. In the event of a front-end collision, a cracked windshield cannot withstand the force of impact, thereby posing a threat to the vehicle\u2019s occupants. A person who isn\u2019t wearing a seatbelt is also at risk of being thrown from the car.\n\n\nIneffective Deployment Of Airbags\n\n\nDuring a significant collision, your windshield also aids in the proper deployment of airbags. The windshield provides a backstop for the airbags so that they inflate towards the passengers. However, if an airbag deployment malfunctions because the windshield\u2019s already cracked, the occupant can suffer fatal injuries.\n\n\nShattering Glass\n\n\nLaminated glass is the most common material used for car windshields. As a result of the laminated glass, broken pieces of glass are held together in the event of breakage. Unlike regular glass, the glass won\u2019t shatter into sharp shards. However, this only applies to windshields that have not previously been damaged. When your car\u2019s windshield is cracked, it will shatter during a collision or impact, and the flying glass pieces will seriously injure the passengers. In an accident, a cracked windshield will crack and offer no protection to the vehicle\u2019s occupants.\n\n\nHow To Repair a Cracked Windshield\n\n\nNo matter how small or insignificant cracks may appear to the naked eye, they can compromise the structural integrity of your car. A person\u2019s life is at risk when a windshield is cracked; therefore, it should not be ignored. When there is a crack, the right thing to do is to get it checked and replaced by professionals as soon as possible. You will not repair a cracked windshield, so replacing it is a much better option.\n\n\nA \nwindshield replacement\n by a professional will be done according to industry-best standards and following all safety precautions. Professionals can ensure your windshield is being handled well when you opt for their services.\n\n\nTags:\nCracked Windshield\nWindshield\nWindshield Replacement\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/07/23/how-are-auto-insurance-premiums-calculated-2/", "title": "How Are Auto Insurance Premiums Calculated?", "body": "\n\nWith an average of over 5000 road accidents occurring in Malaysia each year, the crucial importance of owning and operating a valid auto insurance policy can\u2019t be overstated. But have you ever wondered how exactly the premiums you pay on your vehicle insurance is calculated?\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nIn today episode, you\u2019ll find out everything that goes into calculating your auto \ninsurance premiums\n. Hello and welcome to yet another amazing episode in the Insurance360 Video series. I\u2019m Fincrew brand ambassador, Stella, and I\u2019ll be walking you through the details of how the \ninsurance premiums\n you pay is calculated. Pick up the latest tools, skills, and knowledge you need to leverage all the opportunities in the world of \nauto insurance\n today! To access this treasure trove in real-time, simply hit that Subscribe button and enable notifications right away! As every vehicle owner in Malaysia already knows, there is an abundance of \nauto insurance policies\n to choose from in the country today. What\u2019s more, the options continue to increase with each passing day. But the question remains\u2013\n\n\nHow are the premiums on all of these policies calculated?\n\n\nWhat are the parameters that insurers consider in the process of evaluating these premiums? To start with, 5 things play different roles in how your premiums are ultimately calculated. These include:\n\n\nThe Gross Market Value of Your Vehicle\n\n\nAs your automobile ages, its market value slowly decreases. By extension, what you pay as insurance is also significantly influenced by this fact.\n\n\nYour No Claims Discount (NCD) Privilege\n\n\nEveryone loves good vehicle owners, \ninsurance companies\n included. When you drive safely and follow all necessary precautions, you\u2019re less likely to damage your vehicle. This, in turn, means you won\u2019t have to file a \nclaim\n. Insurers reward this. As such, if your \nNo Claims Discount\n (NCD) lasts as long as 5 years, you can enjoy up to 55% discount on your insurance!\n\n\nYour Insurance Policy\n\n\nWhat you pay as a premium also differs according to the type of \ninsurance policy\n you take out in your automobile. Drivers with a Comprehensive \ninsurance policy\n are likely to pay more as a premium than Third Party and Third Party, Fire, and \nTheft insurance\n holders.\n\n\nYour Geographic Location\n\n\nDepending on where you live and drive, your \ninsurance premiums\n could be high or low.\n\n\nThe Cubic Capacity Of Your Automobile\n\n\nYour engine power also plays a major role in the price tag of your basic premiums in the country today. All the variables above factor greatly into your insurance premium costs. For instance, if you are to calculate the final premium payable for your \ncomprehensive\n coverage, it would be:\n\n\nYour Gross Premium + 6% GST + Stamp Duty of RM10.00 + Any Optional Coverage you take on.\n\n\nSimilarly, you can get the value of the premium you pay for your \nThird Party\n, Fire and Theft coverage by calculating, 75% Comprehensive Coverage Premium \u2013 25% \nNCD\n + 6% GST + Stamp Duty of RM10.00.\n\n\nNow you know the secret behind calculating insurance premiums! Don\u2019t forget you learned it first here! For more helpful insurance tips, Like this video and Subscribe to our channel right away! We\u2019ll be releasing another episode shortly, so be sure you\u2019ve enabled notifications, so you don\u2019t miss out! See you soon!\n\n\n\u00a0\n\n\n\n\nFincrew Official Youtube\n\n\nTags:\nComprehensive Coverage\nFire and Theft Cover\nInsurance Premiums\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/17/6-benefits-of-car-extended-warranty/", "title": "6 Benefits Of Car Extended Warranty", "body": "There are many decisions involved in buying a car. Along with choosing the right make, model, and accessories, you also have to pay attention to the \nextended warranty\n. Most car buyers ignore this part of the purchase process. It\u2019s essential to pay attention to it. Extended warranties are designed to protect you from expensive repairs that your car may need after the original contract expires. Here are six reasons that extended warranties are worth it:\n\n\nWhat Is An Extended Car Warranty?\n\n\nAn \nextended warranty\n is an option you can purchase to help you cover the costs of repairs and parts when you own your car. Typically, the warranty begins when the original manufacturer\u2019s warranty has expired. Additionally, a manufacturer\u2019s warranty may not cover everything, so you must use a well-known company with a good reputation. The manufacturer\u2019s warranty might no longer cover a \nused car\n purchased from the dealer, so it may be a good idea to \nget a car extended warranty\n instead. An extended warranty will ensure that you are adequately covered.\n\n\n\n\nBenefits Of An Extended Car Warranty\n\n\n\u00a0\n\n\n1. Extended Coverage\n\n\nYour car will receive extended protection if you choose an extended warranty. You typically receive an assured guarantee when buying a vehicle from a dealership. These warranties have limitations. If your car requires some repairs, you will be limited to the scope of repairs specified in your warranty plan. A warranty plan like this is not sufficient to meet the standard \nmaintenance requirements of your car\n. Here is where an extended warranty can help. An extended warranty will cover you once your original contract expires. Adding this coverage to your vehicle will allow you to keep it on the road for longer.\n\n\n2. Enhanced Resale Value\n\n\nThe idea of selling your car at a later date may not occur to you when you purchase it. There is also a reason why many car owners fail to inquire about extended warranties. With aging cars, you may want to replace them with newer models. If you want to enjoy the most of your equity, you should \nincrease its resale value\n. As a result of an extended warranty, this value is typically increased since it implies that the vehicle owner maintained it properly.\n\n\n3. Keeping Your Mind At Ease\n\n\nExtended warranties work regardless of whether you own a new or used car if you need more coverage or have trouble affording the cost of unexpected repairs. It may be challenging to \npay for repairs\n, replacement parts, and labor after the factory warranty expires without an extended warranty. When you insure your car with an extended warranty, it eliminates this source of worry and prevents costly repairs. It also removes the hassle of completing lengthy paperwork and negotiating with mechanics.\n\n\n4. Overlooked Benefits\n\n\nA \ncar warranty\n can also help customers out when they\u2019re in a stressful situation. A \ncar warranty offers you many benefits\n such as roadside assistance, rental car reimbursement, towing, and trip protection. In the event of a breakdown, you won\u2019t have to worry about finding a mechanic or paying for accommodations.\n\n\n5. Customer Service That You Can Count On\n\n\nWhen a car breaks down in an emergency, it might be hard to assess and figure out what\u2019s going on. You may own a vehicle but don\u2019t have the technical knowledge about its components. You do not need to worry, though, if you have an extended warranty. The service provider\u2019s staff is knowledgeable and experienced and will provide you with complete guidance. If you have a problem with your vehicle, instead of relying on information provided by a local mechanic, you can be assured of getting the correct information from skilled professionals.\n\n\n6. Ensure Your Vehicle Lasts As Long As Possible\n\n\nEven though it may be tempting to trade in your old car for a newer one, you do not have to break the bank. A suitably \nextended auto warranty will allow you to save money while still getting protection for your car\n. Having an extended warranty also ensures that you can drive your car for a long time after you\u2019ve paid off the vehicle loan. You will undoubtedly receive free or low-cost repairs if something goes wrong with your vehicle during the warranty period. Therefore, don\u2019t worry about getting stranded or repaying your \nloan\n while driving your car.\n\n\nFinal Thought\n\n\nYou make a significant investment in buying a new car. In addition, it is one of the most cost-effective and convenient forms of transportation. However, it would help to decide what is best for your situation. Be sure to do your research. We hope you gain some insight into extended warranties and how they may affect your bottom line.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nCar Repair\nExtended Warranty\nResale Value\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/25/travel-insurance-designed-for-golfers/", "title": "Travel Insurance Designed For Golfers", "body": "The love of golf is attracting a growing number of golfers to travel and visit beautiful and unique destinations around the world instead of their local clubs. Traveling abroad, however, will allow you to perfect your swing in several other countries. Suppose you\u2019re interested in playing the same courses as some European Tour professionals. In that case, you can play Le Golf National in France or the Stadium Course at PGA Catalunya in Spain, for example. Alternatively, you could also take the holiday of a lifetime and play golf on the finest courses the United States has to offer. It\u2019s possible to walk in Tiger Woods\u2019 footsteps at Pebble Beach or hit one of the most iconic shots in golf history at TPC Sawgrass. It would be best if you checked golf \ntravel insurance\n. If you consider going on a golf vacation to the UK or somewhere else exotic, you should look into golf \ntravel insurance\n.\n\n\nWhat Is A Golf Travel Insurance Policy?\n\n\nInsured golf travelers can use \ngolf travel insurance\n to cover costs and losses associated with golf trips. Both \ndomestic\n and international travelers can benefit from this type of coverage. As important as practicing your backswing is ensuring your golf trip. Golf vacations are more enjoyable when comprehensive \ninsurance coverage\n protects against common concerns. In addition to saving you against cancellation, baggage loss, and emergency medical expenses, \ngolf travel insurance\n also helps you cover your essential items, including your beloved clubs.\n\n\nWhat\u2019s Covered In The Golf Insurance Policy?\n\n\nCover Against Injury\n\n\nGolf courses are not risk-free places because they can be exposed to errant balls as well as tricky terrain. If you slip and fall or bump your head on the floor, your \ninsurance\n covers personal injury.\n\n\nProtection For Your Luggage And Equipment\n\n\nLoss, \ntheft\n, or damage to luggage is protected during a golf trip. The loss of your clubs can mean the difference between playing a good game and an awful one. Do not think about the costs of replacing your golf clubs, bags, and trolley if you have a golf \ninsurance policy\n in place, which covers theft, accidental loss, and damage to these items.\n\n\nPersonal Liability Protection\n\n\nAn accident can happen, and if you caused the accident with one of your balls, the insurance would cover the liability.\n\n\nTrip Cancellation\n\n\nThe purpose of travel cancellation insurance, also known as trip interruption or trip delay insurance, is to reimburse travelers for prepaid, non-refundable travel expenses. Different providers have different policies regarding acceptable cancellation and interruption causes and reimbursement amounts. Aside from illness, sudden \nbusiness\n conflicts, and weather-related issues, the most common good reasons include death in the immediate family.\n\n\nWhat Happens If I Have A Pre-Existing Medical Condition?\n\n\nBefore \nbuying travel insurance\n, an existing medical condition is anything you had, be it a long-term or short-term \nillness\n or injury. It includes experiencing symptoms, performing tests, receiving a diagnosis, or getting medical treatment. You can declare them during your quote process for any pre-existing medical conditions. The insurer will not cover your pre-existing conditions unless you can:\n\n\n\n\nAll of them have been declared on your policy\n\n\nThey have reviewed your medical condition and confirmed they would cover it in writing\n\n\nAdditional premiums paid in full\n\n\nHow Much Does Golf Travel Insurance Cost?\n\n\n\n\nTravel insurance is not one size fits all, which means that the conditions and price vary from plan to plan. However, understanding the \ntravel insurance pricing\n guidelines may be helpful before purchasing one. An average trip protection plan should cost you between 4% and 10% of your total non-refundable, prepaid trip cost.\n\n\n\n\nFinal Thought\n\n\nA stress-free golf vacation depends on planning, just like any athletic event. Make sure you pack appropriately by researching the destination\u2019s weather. Make sure your equipment will fit in the trunk if you rent a car. If you want to improve on your skills while on vacation but need to work on them in between, consider virtual golf as an at-home option.\n\n\nTags:\nGolf Travel Insurance\nGolfers\nPersonal Liability\nPre-Existing Medical Condition\nTravel Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/01/05/loan-repayment-moratorium-effect-on-your-credit-score/", "title": "Loan Repayment Moratorium Effect On Your Credit Score", "body": "In March 2020, after carefully analyzing the pandemic\u2019s effect on the nation\u2019s economy, the Bank Negara Malaysia (BNM) decided to implement a six-month \nmoratorium\n on all loan repayments. This action aimed to make the financial burden on individuals and small and medium-sized enterprises (SMEs) a little more bearable. Read ahead at what you need to know about the policies.\n\n\nThe Key Points Of The Moratorium\n\n\n\n\nIt took effect on the 1st of April and lapsed after the 30th of September 2020.\n\n\nInterest will still be charged during this 6-month deferment timeframe.\n\n\nThis policy does not cover \nloans\n or financing that are more than 90 days in arrears by the 1st of April.\n\n\nLeveraging this policy isn\u2019t mandatory, as you can get in touch with your bank to exclude you from the \nmoratorium\n if you wish.\n\n\nThe moratorium doesn\u2019t extend to credit card debt.\n\n\n\n\nWith so many areas of this policy still not fully understood by many Malaysians, we\u2019ll address some common questions about the moratorium\u2019s impact on credit scores.\n\n\nWill Using This Moratorium Damage My Credit Score?\n\n\nNo, it won\u2019t.\n\n\nWhile not making \npayments when you would usually be harmful to your credit score\n, elements like a sanctioned moratorium from the BNM are exceptions to this rule. Because of this, these payments will reflect as deferred payments instead of defaulted payments on your credit history.\n\n\nWhile I Have To Pay Interest On The Moratorium Period?\n\n\nYes, you will.\n\n\nWhile you won\u2019t have to pay the interest during the moratorium period, the standard interest rate you\u2019ve been paying will also apply to the 6-month grace period. So even though you may enjoy a brief respite now, keep in mind that using the moratorium period long-term means you\u2019ll have to pay more.\n\n\nDoes This Deferment Cover Credit Card Repayments?\n\n\nNo, it doesn\u2019t.\n\n\nAlthough you don\u2019t get to benefit from the moratorium this way, depending on the type of bank you use, you still have a chance to leverage it. Some banks allow their customers to convert their credit card balances into a term loan or financing. This way, you may be able to enjoy the dividends of the moratorium.\n\n\nHow Do I Learn More About This Policy?\n\n\nWe recommend that you get in touch with your bank. It will ensure that you vet information specific to you, as these \nfinancial\n institutions will be able to share data more relevant to your bank account. Alternatively, you can log on to the official website of BNM and get more information directly from them as well.\n\n\nCompare Personal Loan In Fincrew\n\n\nConclusion\n\n\nUltimately, no matter which approach you choose to take, don\u2019t forget to \ncheck your \ncredit scores\n constantly\n. It remains the best way to figure out if you have any financial issues. Your \ncredit scores\n will instantly point those out, but it\u2019ll also help you get the foothold you need to deal with those problems efficiently.\n\n\nTags:\nBank Negara Malaysia\nBNM\nCredit Cards\nCredit Score\nLoan Repayment\nMoratorium\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/11/17/what-happens-when-your-auto-insurance-is-cancelled/", "title": "What Happens When Your Auto Insurance Is Cancelled?", "body": "\n\n\n\nSo you\u2019re sorting through your mail like you do every other day and smack! Your \nauto insurance\n provider drops a bombshell that they won\u2019t be providing you coverage anymore! Where do you go from here? What should you expect, now that you no longer have \nauto insurance\n coverage for your vehicle? What do you do next?\n\n\nHi! I\u2019m Stella, Fincrew brand ambassador and today, I\u2019ll be helping you deal with getting your \nauto insurance cancelled\n. When this happens there\u2019s a lot you have to do as quickly as possible. I\u2019ll be guiding you through the difficult road ahead. If you need help handling your auto insurance, then you can\u2019t afford to miss a single video in our Insurance360 Video Series! We will break down every auto insurance aspect and let you know all you need to enjoy your policy! Click on that Subscribe button now and enable notifications so you see our videos promptly!\n\n\nNow we\u2019ve got this out of our system, let\u2019s jump right into today\u2019s gist. If you\u2019re wondering could your auto insurance company cancel your policy? The answer is YES\u2013they can! However, they can\u2019t do so without a genuine reason and giving you a proper heads up. You can\u2019t take your vehicle out without a valid \ninsurance\n policy which means that once your coverage is revoked, you\u2019ll soon be stuck without a ride! Even worse, the longer you go on without coverage for your vehicle, the more you can expect any insurer to charge you when you finally try to get any package. For this reason, haste is essential! Remember that getting your \nauto insurance \ncancelled\n is not the same as being issued a non-renewal notice. In the case of the latter, your coverage is kept active until the date it\u2019s supposed to lapse. Afterward, you just won\u2019t be given the opportunity of renewing the package with the same insurer. Usually, \ninsurers will cancel a policy\n only if:\n\n\n\n\nYou\u2019ve not been paying your premiums or you\u2019ve been paying late,\n\n\nYour driver\u2019s license was revoked or suspended due to one reason or the other,\n\n\nThey discover you weren\u2019t entirely forthcoming with the information on your application\n\n\n\n\nAs such, the first thing you need to do is go through the notification you were sent to ascertain the reason for the termination of your policy. If it wasn\u2019t stated, you should reach out to your insurer immediately to get those details. Once the issue has been identified, you can try talking things out with your provider. In some cases, this usually works out well and your insurer will rescind the cancellation notice. However, if your \ninsurance provider\n just won\u2019t budge, then you need to start shopping for another insurer pronto! Even though your coverage isn\u2019t rendered invalid from the moment you receive the notice of cancellation, you don\u2019t have much time to spare! This is more so if your insurance was cancelled due to any of the reasons mentioned earlier. You might find it challenging to get a new insurer as most coverage providers will see your cancellation notice as a red flag and consider you a high risk. When you eventually find a new insurer, your premiums will be significantly higher than it used to be. As such, it is always advisable to avoid getting your policy cancelled, if you can. But if the worst happens regardless, all is not lost.\n\n\nCheck out the link below to find a reliable \ninsurance\n provider to consult. If you found this video helpful, leave us a Like and do well to subscribe and enable notifications so you don\u2019t miss any future episodes from this Insurance360 video series! Bye for now!\n\n\nTags:\nAuto Insurance\nDriving License\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/04/04/impact-of-skipping-monthly-payments-and-how-to-rectify-it/", "title": "Impact Of Skipping Monthly Payments And How To Rectify It", "body": "While this might sound like a statement used far too often, no one can deny that the world isn\u2019t what it used to be. With the economy being in one of its most volatile states in recent history, the everyday person constantly finds themselves scrambling to make ends meet. As bills pile on each other, it\u2019s only natural that you look for a speedy recourse that\u2019ll effectively help you deal with your immediate and pressing needs. And so, you ask yourself;\n\n\nWhy not skip a month or two of my credit obligations and \nrepayment\n? What\u2019s the worst that could happen if I did?\n\n\nHere, we\u2019ll be highlighting all you need to know about what happens when you fail to do the needful with your \nfinancial\n obligations in the country today.\n\n\nThe Repercussions Of Missing Even One Payment Can Be Severe\n\n\nWhether it\u2019s a student \nloan\n, credit card bill, or even a house \nloan\n, the simple truth is that you can\u2019t afford to miss even a single payment for any reason. It is because such an action will severely damage your credit health! Some things it can lead to are;\n\n\nReducing Your Chances Of Securing Future Loans And Credit\n\n\nKeep in mind that all of these institutions, even though they may be different, ultimately file a record that\u2019ll inevitably show up in your credit report\u2014because of this, even missing one payment will give off the impression that you aren\u2019t financially reliable. It will severely lower your \ncredit score\n, but it\u2019ll also serve as a red flag that\u2019ll actively discourage future lenders from borrowing your money. As you\u2019re likely already aware, most banks and financial institutions will only do business with individuals with a sound credit score. At the moment, that means having a score of at least 650. People who have this tend to get their loan applications approved faster.\n\n\nMake You Pay Even More\n\n\nIn addition to getting you blocked by most banks and financial institutions, failing to make your payments on time also costs you more. When you default, you automatically attract a \nlate payment\n fee. So, there isn\u2019t any upside to not making your payments when you should. You may be asking, but I\u2019ve already missed a few payments. What can I do to get back on track? Two things you need to do as soon as possible are;\n\n\nOne \u2013 Get Your Most Recent MyCTOS Score Report\n\n\nThis document will let you know just where you stand as it\u2019ll show you your current credit score and which payments you missed precisely.\n\n\nTwo \u2013 Come Alive To Your Responsibilities\n\n\nOnce you know where you defaulted, make sure to cover that backlog and the late fees it attracted as soon as possible. And, most important of it all, make sure you stay current! Provided you don\u2019t miss any more payments in the future; your credit score is sure to recover!\n\n\nTags:\nCredit Cards\nHouse Loan\nLoan Repayment\nMyCTOS\nPersonal Loan\nStudent Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/20/why-a-will-can-deliver-ultimate-peace-of-mind/", "title": "Why a Will Can Deliver Ultimate Peace Of Mind?", "body": "Every day, you struggle to keep food on the table and a roof above your head. Pay every penny in tax, and you try to leave enough in the pot so you can indulge in the things you enjoy. What is the point of letting the government decide what happens to your money when you die? Doesn\u2019t that seem unfair to you? If you do not have a \nwill\n, the court will make essential decisions for you. It is not up to you who inherits your home and other assets. Having no intention can make your loved ones\u2019 lives more difficult after passing away. \nWriting a will\n provides \npeace of mind\n.\n\n\nWills Bring Peace Of Mind And Comfort\n\n\nThink about this tragic scenario. While driving home from dinner, you and your partner are involved in a fatal \ncar accident\n. How will the children be taken care of and their inheritance distributed? Suppose the worst happens. You and your children die in the same disaster. How will the estate be managed, and who will inherit it? In a will, the most critical decisions are spelt out in writing and legally binding on those left behind. Most people don\u2019t create or update their will because they believe their loved ones will automatically inherit. Unfortunately, that is not always the case. Your heirs may have to endure a lengthy and expensive probate process. It will also only address your current situation. Over time, as your needs and the people around you change, you should update them.\n\n\nTake care of your loved ones by planning your legacy today\n\n\nIf you \nmake a will\n, you can provide your loved ones with a map to follow and help them take care of their affairs after you pass away. It is one of the most important reasons to have a will, as it gives many people \npeace of mind\n. Wills are now easier to make than ever before. As a result, you don\u2019t need an attorney to prepare your choice unless you have a large or complicated estate, tense family dynamics, or feel that you need professional advice.\n\n\nRisks Associated With Not Having a Will\n\n\nIf you are among those majority, you might be putting your family at risk. If you don\u2019t have a Will, you may encounter one (or more) of the following problems:\n\n\n\n\nThere is a possibility that the \u2018wrong\u2019 people end up with your home.\n\n\nDisputes could wipe out your wealth.\n\n\nThe possibility exists that you will be subject to further inheritance tax, with 40% of your estate and earnings going to the government.\n\n\n\n\nThere are risks associated with this subject, despite these risks. Many people find the idea of \nwriting a Will\n difficult, and this is usually a task that gets left until the last minute. Isn\u2019t it simply unnerving to think about or plan for one\u2019s death?\n\n\nFinal Thought\n\n\nMaking an unambiguous will eases the burden on those left behind. The presence of choice lessens the chances of fighting bad feelings and saving significant amounts of money. Couples can write \u201creciprocal wills\u201d to appoint each other as executors, treasuries, and sole beneficiaries; however, each individual must write their own will. A must be signed and witnessed according to law. The cost of hiring a lawyer to \nprepare your will\n is far less than the pitfalls and undesired results of attempting to design one yourself or not having one at all.\n\n\nTags:\nInheritance\nReciprocal Wills\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/10/04/apakah-insurans-auto-komprehensif/", "title": "Apakah Insurans Auto Komprehensif?", "body": "\n\nSemua kenderaan memerlukan \ninsurans\n bukan? Jadi, kalau anda pilih mana-mana polisi insurans, cukuplah kan? Salah! Membeli insurans kenderaan merupakan sesuatu yang perlu anda dilakukan dengan berhati-hati bukan semata-mata kerana anda perlu membelinya. Tapi, bagaimana anda tahu, yang anda telah memilih polisi yang tepat? Adakah terdapat perbezaan antara insurans \nauto komprehensif\n dan polisi lain di luar sana? Jawapannya, ya!\n\n\nDalam episod kali ini, kami akan membincangkan secara menyeluruh tentang insurans \nauto komprehensif\n dan bagaimana ia berbeza daripada \npolisi insurans kenderaan\n yang lain. Helo, saya (nama) duta jenama Fincrew dan saya akan membimbing anda berkenaan segala perkara berkaitan insurans auto. Hari ini kami akan memfokuskan setiap perkara yang membezakan \npolisi insurans kenderaan\n komprehensif dengan polisi lain. Anda tidak mahu ketinggalan walau satu video pun dari siri Video Insurans360! Dapatkan semua maklumat terkini yang berkaitan dengan yang anda perlukan bagi memanfaatkan setiap ringgit berharga anda! Hanya klik pada butang \u2018Subscribe\u2019 dan aktifkan notifikasi, jadi anda akan bila kami memuat turun video terbaru! Terdapat banyak jenis \npolisi insurans\n di luar sana hari ini. Jadi, untuk memahami bagaimana setiap satunya berbeza daripada yang lain, anda perlu tahu makna di setiap satu polisi ini. Anda akan dapati terdapat tiga polisi insurans auto yang berfungsi pada hari ini. Ia adalah:\n\n\n\n\nInsurans auto Pihak Ketiga\n\n\nInsurans auto\n Pihak Ketiga, Kebakaran dan Kecurian\n\n\nPolisi Insurans Komprehensif\n\n\n\n\nPerlindungan Auto Pihak Ketiga\n\n\nIni merupakan insurans kenderaan paling asas dan paling murah yang anda boleh ambil untuk kenderaan anda. Secara asasnya, apa yang dilakukan oleh polisi ini adalah memberikan anda jaminan kewangan sekiranya anda terlibat dalam kemalangan yang merosakkan kenderaan atau harta benda pemandu lain. Polisi ini akan menampung kos pembaikan harta benda dan bil perubatan pihak lain sekiranya diperlukan. Namun setakat itu sahaja pelindungan polisi ini. Sebagai polisi kenderaan paling murah yang boleh anda ambil, pelindungan ini tidak meliputi kos membaiki kenderaan anda sendiri atau membayar bil perubatan anda.\n\n\nPerlindungan Auto Pihak Ketiga, Kebakaran Dan Kecurian\n\n\nPolisi ini mempunyai persamaan yang hampir sama dengan polisi \nperlindungan insurans auto\n Pihak Ketiga. Nampaknya ia juga turut merangkumi implikasi kewangan bagi membaiki kenderaan atau harta benda pemandu lain dan menyelesaikan perbelanjaan perubatan. Namun begitu, ia menawarkan satu lagi ciri tambahan yang penting. Di bawah pelindungan polisi ini, anda berhak untuk membuat tuntutan jika kenderaan anda dicuri atau rosak akibat kebakaran atau kecurian. Tapi perlu diingatkan, anda perlu berhati-hati semasa mengemukakan tuntutan di bawah polisi ini kerana ia tidak menanggung kos membaiki kerosakan akibat kemalangan.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nPerlindungan Insurans Auto Komprehensif\n\n\nIni boleh dikatakan sebagai polisi insurans auto paling mahal di negara ini sekarang. Namun, semakin banyak pemandu mendapatkannya setiap hari. Ia terus mendapat perhatian kerana menawarkan pelindungan yang lebih luas untuk kenderaan anda. Selain menawarkan apa yang diperoleh dari gabungan polisi Pihak Ketiga serta Pihak Ketiga, Kebakaran dan Kecurian, ia juga menyediakan beberapa ciri khas yang unik hanya untuk pelindungan jenis ini. Mungkin yang paling hebat dari ciri ini adalah hakikat bahawa ia menanggung kos pembaikan kenderaan anda sekiranya rosak akibat kemalangan! Ini merupakan alat berharga dan berguna jika kereta anda mahal atau eksotik dan anda tidak mampu untuk menggantikannya begitu sahaja. Walaupun begitu, sehebat mana pun polisi ini, ia tidak akan melindungi anda dalam setiap senario kemalangan jalan raya. Sebagai contoh, di bawah polisi ini tuntutan tidak dapat difailkan sekiranya anda meninggal dunia atau mengalami kecederaan. Satu lagi, jika aksesori kereta yang dipasang khas rosak atau dicuri, polisi ini tidak akan menanggung kos kerugian tersebut.\n\n\n\u00a0\n\n\nTags:\nInsurans Auto\nInsurans Auto Komprehensif\nInsurans Kenderaan\nInsurans Kenderaan Pihak Ketiga\nPelindungan Pihak Ketiga\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/12/14/some-auto-insurance-discounts/", "title": "What Are Some Auto Insurance Discounts?", "body": "\n\n\n\nIt\u2019s that time of the year again, and you\u2019re getting ready to renew your \nauto insurance policy\n. Every ringgit counts so you just have to be sure you\u2019re getting the most value for your money. Are you aware of the multiple insurance discount features available to vehicle owners? Do you know if you qualify for them? How can you leverage these benefits to your advantage? Find the answers to these questions and many more now! Hello! My name\u2019s Stella, Fincrew brand ambassador and I\u2019ll be exposing you to some of the most essential \nauto insurance discounts\n you should be taking advantage of in the country today. The Insurance360 Video Series gives you all the data you need to make informed decisions about your \nauto insurance coverage\n package. Enjoy free access to this information by clicking the Subscribe button and enabling notifications now!\n\n\nYou need to have \ninsurance\n to be able to drive in the country. However, you might find the standard fees of \nauto insurance\n cost-prohibitive. These prices become a lot more pocket friendly if you can avail yourself of the numerous discount features at your fingertips! Some important \nauto insurance discounts\n you should know about include:\n\n\nThe Defensive Driving Discount\n\n\nInsurance\n operates on risk. If you can reduce the perceived level of risk you offer your insurer, they are usually more than willing to provide you with a discount. Taking defensive driving lessons can entitle you to as high as a 15% discount with many insurers. All you have to do is get a certificate of completion from a registered driving school and you\u2019re good to go!\n\n\nThe Accident-Free Driving Discount\n\n\nAs we mentioned earlier, with insurance, it\u2019s all about risk. For this reason, if you have an accident free driving record, any insurance company out there will offer you great discount bonuses. Due to the nature of this discount feature, not all drivers can leverage it. Also, the standard of eligibility set for this discount is dependent on each insurer. As such, the exact value of the deal you get, should you qualify for it varies from insurer to insurer.\n\n\nThe Low Mileage and Vehicle Usage Discount\n\n\nOne major determinant of what you pay as insurance is your geographic location plus how far and how frequently you drive your vehicle around. The safer your area of residence is estimated to be, the higher the discount you\u2019re entitled to. Similarly, the shorter the distance you drive your car regularly, the higher your discount rate gets.\n\n\nThe Customer Loyalty Discount\n\n\nThis discount feature also varies significantly from insurer to insurer. If you\u2019ve been able to maintain your policy without hassle, your insurance proper will usually offer you a discount as a show of appreciation and an incentive to encourage you to stay on with them.\n\n\nDiscount on Multiple Vehicle Insurance\n\n\nYou are also automatically entitled to a discount, if you take out an \nauto insurance policy\n on multiple vehicles with the same coverage provider. You can get as much as a 25% discount spread across all policies you take out.\n\n\nA requirement many insurers follow is that the cars insured belong to individuals with strong familial ties. Want to know more discounts you can tap into? Then Like this video and don\u2019t miss the next one! Subscribe and enable notifications now so you get it as soon as it\u2019s live! See you soon!\n\n\nTags:\nCar Insurance\nCar Insurance Discounts\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/05/02/understanding-balance-transfer-credit-cards/", "title": "Understanding Balance Transfer Credit Cards", "body": "Can you remember the first time you applied for a credit card? In most cases, it comes from someone calling you about a credit card, offering a great deal, and saying that you have to pay nothing to apply for it. Without a second thought, you accepted the offer. Having received the card in the mail, you immediately began using it constantly without overthinking it until you reached the limit. Before you know it, you have another \ncredit card\n maxed out. You may end up drowning in debt if you are not careful and may eventually experience bankruptcy. It is a problem to prevent if you know how to manage your spending behavior. Fortunately, if you\u2019re already in a rut and want to settle your credit card balance at a cheaper rate, you can apply for a balance transfer credit card.\n\n\nTo Begin With, What Is a Balance Transfer Credit Card?\n\n\nBalance transfers involve the transfer of outstanding debt between one or more credit cards and a balance transfer card issued by another bank with lower or no interest fees. You apply for another credit card to settle all your other credit card debts! What is the purpose? Of course, to save on interest! If you\u2019re wondering if something that looks too good to be true exists, fret not; we will explain. Suppose you have an RM8,000 credit card debt with 15% annual interest. This balance is transferred to a new credit card with 0% interest for the first 12 months. You will save RM1,200 on interest if you pay it off within 12 months! Note: It does not include upfront fees and \nbalance transfer fees\n. They do this to convert you to their bank, which is why, for example, you cannot transfer a Maybank card to another. Nevertheless, they could make money from other aspects, including \nbalance transfer fees\n, handling fees, and high-interest rates charged when a debtor cannot pay off the amount due within the specified period, usually 6 to 12 months.\n\n\nBenefits Of Balance Transfer Credit Card\n\n\nSome advantages of transferring balances using a credit card are listed below.\n\n\nA low introductory interest rate\n\n\nSeveral credit cards offer low introductory rates for balance transfers. If you use that rate, you will pay far less interest over a balanced life.\n\n\nConsolidating your credit card debt\n\n\nConsolidating multiple balances on one card means dealing with only one interest rate and one \nmonthly payment\n. You will have peace when you are working to pay off your debt.\n\n\nHaving the ability to pay off your credit card debt more quickly\n\n\nAlso, the lower interest rate could help you pay off your \ncredit card\n balances faster because you will save more money.\n\n\nHow To Get One\n\n\nThose who can pay off most or all of their debt during the introductory rate period will benefit from applying for a balance transfer credit card. After the initial rate period ends, the balance recharge will be at a high-interest rate. Therefore, only consider a balance transfer if you are confident you can repay the amount due within the specified timeframe.\n\n\nAre you ready for your first application?\n\n\nIt is important to compare \nbalance transfer credit cards\n thoroughly before choosing one. The points to consider while selecting a balance transfer credit card are below:\n\n\n\n\nMost \nbalance transfer credit cards\n have a minimum duration of 3 to 36 months.\n\n\nInterest rates are from 0% p.a. up to 10.22% p.a.\n\n\nFrom RM500 to RM5,000 can be transferred as a minimum.\n\n\n\n\nTags:\nBalance Transfer\nCredit Card Debts\nCredit Cards\nDebt Consolidation\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/21/how-much-does-your-profession-impact-your-car-insurance-rates/", "title": "How Much Does Your Profession Impact Your Car Insurance Rates?", "body": "\n\nIt is no secret that factors like age and driving history greatly impact your \ncar insurance rates\n. But are you aware that your profession also affects what you pay as a premium? Do you want to know what aspects of your occupation your insurer assesses before issuing you a quote? How do you find out if you have a \u201cHigh Risk or Low-Risk Occupation\u201d? The relevance of auto insurance to the vehicle owner only continues to increase as the years pass. As a result, more car owners need to do what they can to gain more knowledge on insurance.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nNot only does the work you do influence your \ncar insurance rates\n to varying degrees, where you also work critically. Insurers are always looking for more efficient ways to evaluate the liability that vehicle owners pose. One of the avenues through which they do this is through reviewing statistics. Through an increasingly scientific process, they try to evaluate the likelihood of having an accident based on various parameters.\n\n\n\n\nHow does your job affect your sleep pattern?\n\n\nHow far do you have to drive to your place of employment?\n\n\nWhat typical occupational behaviors come with your job?\n\n\n\n\nBy evaluating these occupational variables, \ninsurance companies\n more accurately determine just how high or low to set your quotes. It is more so the case when you use your vehicle as a part of your occupation. If you travel with it for work often, don\u2019t be surprised if the quote your \ninsurance provider\n gives you falls a little on the high side. At its core, some significant factors that your insurer will look at about your occupation and employment conditions include;\n\n\n\n\nThe stress levels it generates,\n\n\nWhat occupational training you have had, and\n\n\nHow often your work necessitates travel.\n\n\n\n\nAs a result of looking through these parameters, \nauto \ninsurance companies\n can offer vehicle owners who are pilots, scientists, teachers, nurses, and police officers \nlower auto insurance rates\n. In the same vein, many, but not all insurers consider vehicle owners who are lawyers, doctors, and business owners, among others, higher risk and so award higher premiums.\n\n\nTags:\nInsurance Premiums\nInsurance Rates\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/10/10/is-rental-car-insurance-worth-it/", "title": "Is Rental Car Insurance Worth It?", "body": "You\u2019re standing at the rental car counter, exhausted. All you want is to get your car and zoom off. Then the rental agent asks if you\u2019re going to \nbuy insurance\n on your rental, you looked at the agent completely clueless, you said to yourself, yes let me buy it, but you\u2019ve also heard it\u2019s a waste of money. So the question remains: Is \nrental \ncar insurance\n worth it? The simple answer is \u201cit depends.\u201d Before you jump the gun for a \nrental car\n, it\u2019s worth reading over again the policy on your personal \nauto insurance\n coverage. In some cases, the policy you have on your personal vehicle extends to a rental car. In other words, buying \nrental \ncar insurance\n might be a waste of money. Though the extra cost of the rental company\u2019s coverage in some cases might make sense. Because of that, it\u2019s imperative to know what your personal \nauto insurance\n policy covers, and what the rental agency is offering.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nShould I Go For Rental Car Insurance Or My Personal Car Insurance Is Enough?\n\n\nThe following are the typical insurance options from rental car agencies and how to know if you are already covered within your personal car insurance policy. You should note that your individual policy coverage applies when you are using a rental car for private, non-business purposes. The rules and regulations might be different for the \nbusiness\n use of a rental car. Check with your \ninsurance company\n or employer for details about coverage when using a rental car for business.\n\n\nAccidents And Car Theft\n\n\nAt the counter: A loss-damage waiver (LDW), or a collision damage waiver (CDW), gets you off the hook for any destruction or \ntheft to the rental car\n. It\u2019s really not insurance but rather a waiver which implies the rental car agency won\u2019t come after you. Your personal coverage: If your personal coverage includes collision and \ncomprehensive\n coverage, it will extend to a rental car. Though, you will still be chargeable for your \ndeductible\n. In case you don\u2019t have comprehensive and collision on your \npersonal coverage\n, and don\u2019t have the LDW or CDW, you will be liable to pay for the damage.\n\n\nThird-party Damage\n\n\nAt the counter: Supplemental liability protection will cater for damage done to \nthird party\n cars or property. If you don\u2019t have car insurance (for instance, if you don\u2019t have a car), it\u2019s better to buy this. Your personal coverage: Your own liability \ninsurance\n will cover you when driving rental cars. If you have really little liability \ncoverage on your car\n policy, it\u2019s better to buy supplemental protection to augment your coverage.\n\n\nDoes My Credit Card Have Rental Car Coverage?\n\n\nSome credit card\n companies offer extra insurance if you pay for a car rental using their card. For you to know if you have additional rental car insurance through your credit card issuer, call the toll-free number on the back of your card and have them explain your options to you in detail.\n\n\nCompare and apply for the best credit cards\n\n\nFinal Thoughts\n\n\nBefore you decide to rent a car, take a few moments to find out whether you have coverage through existing channels, such as your credit card company, health \ninsurance policy\n, or homeowners policy. More so, don\u2019t forget to check your personal \ncar insurance policy\n. Purchasing extra rental auto insurance might not make financial sense if your car insurance policy already provides the coverage you need.\n\n\nTags:\nCollision Damage Waiver\nCoverage\nLoss Damage Waiver\nRental Car\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/04/04/why-is-malaysia-road-tax-based-on-engine-capacity/", "title": "Why Is Malaysia Road Tax Based On Engine Capacity?", "body": "Road tax\n is required for all vehicles on public roads, regardless of how often motorists use them. In addition, our toll roads need for-fee drivers to pay based on how much usage they make and what type of vehicle they drive. Depending on the size of the engine and the type of fuel, \nroad tax rates\n might differ. For private registrations, \nroad tax\n for company-owned vehicles can be threefold higher than for individual-owned cars, and the rate for various commercial types varies. Learn the basis of road taxes depending on engine capacity and how to \ncalculate your road tax\n.\n\n\n\n\nIntroduction Malaysia Road Taxes\n\n\nVehicle owners are required to pay a road tax to use public roads. Various factors influence the tax amount, including the type of vehicle, vehicle specifications, vehicle registration location, and type of ownership. Malaysia is one of the countries that collects its road tax annually. Displaying the road tax is required on vehicles with a valid tag. The road tax sticker is at the bottom right corner of the windscreen vehicles, and there are clear indications on the road tax sticker of the vehicle registration number, the road tax price, and the expiration date. Road tax stickers are for one-time usage. If the sticker is tampered with, it will tear and become invalid.\n\n\nHow To Calculate Malaysian Road Taxes\n\n\nThe value of the road tax varies according to a variety of factors in Malaysia. These include the vehicle type, vehicle specs, location of vehicle registration, and type of ownership. There are different rates of road taxation in West Malaysia and East Malaysia. Due to the state of the roads and the infrastructure supporting them, the road tax is lower in East Malaysia. According to Malaysia\u2019s road tax law, as the \nengine\n displacement of a car increases, the road tax also increases. The basis of the calculation of road tax is on engine capacity.\n\n\nSince this method of calculating road tax has become widely used; manufacturers have begun \nselling cars\n with smaller displacement engines, generally turbocharged or hybridized. Malaysian cars typically have engine displacements of less than 2.0 liters. The minimum road tax for an engine-driven car is RM20 for vehicles with engines under 1,000 ccs. The base rate and progressive rate are combined when calculating the road tax for a car. As engine displacement increases, the progressive rate increases. In West Malaysia, the tax for cars that exceed the 3,000-cc mark is RM4 per cubic centimeter.\n\n\nRoad tax rates\n will also be affected by the type of vehicle owned. Vehicles can be either privately owned or owned by a company. Electric vehicles are subject to different road tax calculations based on the car\u2019s maximum power output.\n\n\nWhy Is Road Tax Based On Engine Capacity?\n\n\nMalaysian road and vehicle taxes are to control traffic congestion and reduce CO2 emissions. Nonetheless, reducing or managing road congestion is an environmentally friendly measure. In addition, \nMalaysia\u2019s road tax system\n does encourage people to use fuel-efficient vehicles that emit fewer emissions. For bigger cars \u2013 whose engine capacity is by the road tax \u2013 the road tax is higher since they use more fuel and emit more pollution than small cars. The primary goal of this tax is to promote the purchase and use of more fuel-efficient and environmentally-friendly vehicles.\n\n\nTags:\nMalaysia Road Tax\nRoad Tax\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/15/difference-between-takaful-and-conventional-insurance/", "title": "Difference Between Takaful And Conventional Insurance", "body": "A critical aspect of a responsible financial plan is to insure yourself. The choice between \nTakaful and conventional insurance\n is a dilemma many Malaysians may face. Both of them share the objective of protecting against financial loss, so they appear similar at first glance. A closer examination, however, reveals some significant differences.\n\n\nWhat Is Takaful?\n\n\nTakaful\n is defined as a joint guarantee. Essentially, it is an \ninsurance\n policy based on Islamic principles. \nTakaful\n is a concept in which a group of people guarantees one another against loss or damage. Each participant contributes a certain amount of donation (tabarru) to a fund to fulfill their obligation. This fund is managed by a third party \u2013 the \nTakaful\n operator. The Takaful operator will compensate losses or damages per the agreement with its participants. A surplus is distributed only after the obligation of assisting the participants has been met. Takaful acts as a protection and profit-sharing venture between the Takaful operator and its participants through this principle.\n\n\nHow Does Conventional Insurance Differ From Takaful Insurance?\n\n\nOne of the most significant differences between \nTakaful and conventional insurance\n is that Takaful is based on Shariah law? Takaful is free of gharar, maisir, and riba. The main reason for the creation of Takaful was to eliminate these prohibited elements from traditional \ninsurance\n. In conventional insurance, the insurer bears the risk associated with the insured. By contrast, Takaful is based on the theory of shared risk. Participants donate to a Takaful fund, and in the event of a loss, they receive the amount of their \nclaim\n. In addition, Takaful participants retain an ownership interest in the fund, unlike conventional insurance. The participants\u2019 contributions are invested into halal or sharia-compliant funds to earn investment income. When the Takaful operator generates a surplus, the participants and, sometimes, the Takaful operator will share. It puts everyone in a win-win position. The table below compares Takaful insurance to conventional insurance:\n\n\n\n\n\n\n\n\nTakaful Insurance\n\n\nConventional Insurance\n\n\n\n\n\n\nBased on cooperation\n\n\nBased solely on commercial factors\n\n\n\n\n\n\nGoverned by Shariah and government laws\n\n\nGoverned by government laws only\n\n\n\n\n\n\nShareholders and Takaful plan holders can only invest in Shariah-compliant investment funds\n\n\nConventional \ninsurance premiums\n are invested in funds and investment channels that aren\u2019t necessarily Shariah-compliant\n\n\n\n\n\n\nUnfettered by interest, gambling, and uncertainty (Riba, Gharar, and Maysir)\n\n\nIt has elements of interest, gambling, and luck\n\n\n\n\n\n\nTakaful risks are distributed among participants who agree to assume risk jointly\n\n\nRisk is from an individual to a conventional \ninsurance provider\n\n\n\n\n\n\n\n\nIs Takaful Better Than Conventional Insurance?\n\n\nAlthough takaful insurance isn\u2019t physically cheaper than other forms of insurance, it may be more affordable in terms of its extra risk premiums. In harsh situations that would result in fund losses, takaful fund rates are usually fixed, and people prepared to take on additional risk are not always charged more. An individual with severe health conditions may be asked to increase his contribution to medical Takaful. Conventional insurance will charge more where additional risks have been identified (e.g., people in dangerous professions and smokers).\n\n\nCan Non-Muslims Purchase Takaful?\n\n\nWhile Takaful is based on Islamic principles, it is not a religious product, and anyone, including non-Muslims, can purchase it. Non-Muslims are increasingly beginning to participate in Takaful and Islamic finance products.\n\n\nTags:\nConventional Insurance\nGharar\nIslamic Finance\nMaysir\nMuslims\nRiba\nShariah Compliant\nTakaful\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/08/12/%e5%bd%b1%e5%93%8d%e4%bd%a0%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e8%b4%b9%e7%9a%84%e4%b8%89%e5%a4%a7%e5%9b%a0%e7%b4%a0/", "title": "\u5f71\u54cd\u4f60\u6c7d\u8f66\u4fdd\u9669\u8d39\u7684\u4e09\u5927\u56e0\u7d20", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662fCassandra\u3002\u4f60\u77e5\u9053\u4f60\u7684\n\u6c7d\u8f66\u4fdd\u9669\n\u8d39\u4ece\u6765\u90fd\u6ca1\u6709\u56fa\u5b9a\u7684\u4ef7\u683c\u5417\uff1f\u4f60\u548c\u4f60\u7684\u5bb6\u4eba\u3001\u670b\u53cb\u7684\u8f66\u9669\u8d39\u7528\u90fd\u5404\u4e0d\u76f8\u540c\u3002\u5f53\u4f60\u5728\u8003\u8651\u4e3a\u4f60\u7684\u6c7d\u8f66\u6295\u4fdd\u65f6\uff0c\u662f\u5426\u60f3\u8fc7\u4fdd\u9669\u516c\u53f8\u662f\u7528\u4ec0\u4e48\u6807\u51c6\u6765\u8861\u91cf\u800c\u5236\u5b9a\u4f60\u7684\u4fdd\u9669\u8d39\u5462\uff1f \u6ca1\u6709\u60f3\u8fc7\u5427\uff1f\u90a3\u8ba9\u6211\u4eec\u6765\u770b\u770b\u4ee5\u4e0b\u7684\u56e0\u7d20\u6765\u7ed9\u4f60\u589e\u5e7f\u89c1\u95fb\uff1a\n\n\n\u7b2c\u4e00\u3001\u6c7d\u8f66\u4fdd\u9669\u7684\u79cd\u7c7b\n\n\n\u5728\u4e0a\u96c6\u89c6\u9891\u5df2\u7ecf\u548c\u5927\u5bb6\u7b80\u5355\u89e3\u91ca\u4e86\u4e0d\u540c\u7c7b\u578b\n\u6c7d\u8f66\u4fdd\u9669\n\uff0c\u5176\u4e2d\u5c31\u5305\u62ec3\u53f7\u4fdd\u9669 \uff083rd party Car Insurance\uff09\u30012 \u53f7\u4fdd\u9669\uff08Third Party, Theft and Fire \nCar Insurance\n) \u548c \u7efc\u5408\u6027\u4fdd\u9669\uff08\ncomprehensive \ncar\n Insurance\n\uff09\u30023\u53f7\u4fdd\u9669\u662f\u5f53\u4e2d\u6700\u4e3a\u4fbf\u5b9c\u7684\uff0c\u56e0\u4e3a\u6240\u8986\u76d6\u8303\u56f4\u4ec5\u9650\u4e8e\u7b2c\u4e09\u65b9\u3002 \u7efc\u5408\u6027\u4fdd\u9669\u6bd42 \u53f7\u4fdd\u9669\u6765\u7684\u66f4\u8d35\u4e00\u4e9b\uff0c\u56e0\u4e3a\u8986\u76d6\u8303\u56f4\u662f\u5305\u62ec\u4e86\u7b2c\u4e09\u65b9\u3001\u706b\u707e\u548c\u76d7\u7a83\u53ca\u8f66\u4e3b\u672c\u8eab\u7684\u8f66\u5b50\u3002\u56e0\u6b64\uff0c\u4e00\u5b9a\u8981\u8bb0\u5f97\uff0c\u8986\u76d6\u7387\u8d8a\u9ad8\uff0c\u4fdd\u9669\u8d39\u5c31\u4f1a\u8d8a\u9ad8\u3002\u4fdd\u9669\u8d39\u9ad8\u4f4e\u548c\u7d22\u5f97\u7684\u7406\u8d54\u91d1\u989d\u6210\u6b63\u6bd4\u7684\u3002\n\n\n\u7b2c\u4e8c\u3001\u6c7d\u8f66\u79cd\u7c7b\n\n\n\u4f60\u6240\u62e5\u6709\u7684\u6c7d\u8f66\u54c1\u724c\u53ca\u578b\u53f7\u5bf9\u4e8e\u8f66\u9669\u7684\u4fdd\u9669\u8d39\u6709\u7edd\u5bf9\u6027\u7684\u5f71\u54cd\u3002\u6bd4\u5982\u8bf4\uff0c\u4e00\u822c\u6bd4\u8f83\u9ad8\u6863\u7684\u6c7d\u8f66\u7684\u4fdd\u9669\u8d39\u90fd\u4f1a\u6bd4\u8f83\u9ad8\uff0c\u8fd9\u662f\u56e0\u4e3a\u6c7d\u8f66\u672c\u8eab\u7684\u96f6\u4ef6\u53ef\u80fd\u6bd4\u8f83\u8d35\u3002\u56e0\u6b64\uff0c\u4fee\u7406\u8d39\u4e5f\u76f8\u5bf9\u7684\u6bd4\u8f83\u9ad8\u3002\u5176\u6b21\uff0c\u76d7\u7a83\u53ef\u80fd\u6027\u8f83\u9ad8\u7684\u6c7d\u8f66\uff0c\u4fdd\u9669\u8d39\u90fd\u4f1a\u6bd4\u8f83\u8d35\u3002\u6839\u636e\u9a6c\u6765\u897f\u4e9a\u603b\u4fdd\u9669\u516c\u53f8\u53d1\u5e03\uff0cToyota Hilux\u548cProton Wira\u662f\u9a6c\u6765\u897f\u4e9a\u6700\u5e38\u88ab\u5077\u7684\u4e24\u6b3e\u8f66\u3002\n\n\n\u7b2c\u4e09\u3001\u4e2a\u4eba\u56e0\u7d20\n\n\n\u4fdd\u9669\u516c\u53f8\u4f1a\u4f9d\u636e\u8f66\u4e3b\uff0c\u4e5f\u5c31\u662f\u6295\u4fdd\u4eba\u7684\u6027\u522b\u3001\u5e74\u9f84\u3001\u5a5a\u59fb\u72b6\u6001\u3001\u884c\u9a76\u8bb0\u5f55\u8fdb\u884c\u8bc4\u4f30\u3002\u4e00\u822c\u4e0a\uff0c\u5e74\u8f7b\u5973\u6027\u53d1\u751f\u4e8b\u6545\u7387\u6bd4\u540c\u5e74\u9f84\u5c42\u7537\u6027\u66f4\u4f4e\u4e00\u4e9b\u3002\u5df2\u5a5a\u4eba\u58eb\u7684\u9a7e\u9a76\u8005\u4e00\u822c\u90fd\u4f1a\u88ab\u89c6\u4e3a\u66f4\u52a0\u8c28\u614e\uff0c\u6240\u4ee5\u53d1\u751f\u4e8b\u6545\u7387\u6bd4\u5355\u8eab\u6216\u662f\u672a\u5a5a\u8005\u66f4\u4f4e\u4e00\u70b9\u3002\u518d\u6765\uff0c\u5c31\u662f\u884c\u9a76\u8bb0\u5f55\u3002\u5982\u679c\u4f60\u66fe\u7ecf\u63a5\u5230\u7f5a\u5355\u3001\u53d1\u751f\u4e8b\u6545\u800c\u8fdb\u884c\u7406\u8d54\uff0c\u4f60\u7684\u4fdd\u9669\u8d39\u53ef\u80fd\u4f1a\u6bd4\u6ca1\u6709\u6536\u8fc7\u7f5a\u5355\u548c\u6ca1\u6709\u53d1\u751f\u4e8b\u6545\u7684\u8f66\u4e3b\u6765\u7684\u66f4\u9ad8\u4e00\u4e9b\u3002\u8fd9\u662f\u56e0\u4e3a\uff0c\u4fdd\u9669\u516c\u53f8\u8ba4\u4e3a\u4f60\u5f88\u6709\u53ef\u80fd\u518d\u53d1\u751f\u4e8b\u6545\u3002\n\n\n\u5e0c\u671b\u901a\u8fc7\u4eca\u5929\u7684\u89c6\u9891\uff0c\u4f60\u5df2\u7ecf\u4e86\u89e3\u4fdd\u9669\u516c\u53f8\u662f\u5982\u4f55\u8ba1\u7b97\u4f60\u7684\u6c7d\u8f66\u4fdd\u9669\u8d39\uff01\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\n\u00a0\n\n\nFincrew Official Youtube\n\n\nTags:\nComprehensive Coverage\nThird Party Insurance\n\u4fdd\u9669\n\u6c7d\u8f66\u4fdd\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/12/15/part-one-of-driving-guide-in-malaysia/", "title": "Part One Of Driving Guide In Malaysia", "body": "As far as locations go, Malaysia is arguably one of the best places in the world you could visit. If you are staying so long that you need a vehicle to get around, or you value your comfort and need a private means of getting around, there are a few things you should make yourself aware of about the country\u2019s driving practices. As far as driving goes in the country, most rules you\u2019ll encounter are likely to be very similar to ones you already know and practice. After all, the universal goal of these regulations is to ensure your safety and improve your comfort. That said, it can\u2019t be avoided that you\u2019ll come across other regulations that will be a bit foreign to you. To that end, we\u2019ve provided a two-part \ndriving guide\n in Malaysia to help you find your footing easily. Enjoy!\n\n\nJoin Fincrew Official Telegram Channel\n\n\nBasic Driving Knowledge\n\n\nEarlier, we mentioned that some driving rules in the country might be a common practice where you\u2019re from while others sound entirely new. Owing to that, we\u2019ll be starting our \ndriving guide\n with common knowledge in Malaysia.\n\n\nSpeed Limit In Malaysia\n\n\nThe first item on our list is the \nspeed limit\n. The \nspeed limit\n varies wildly, depending on what part of the country you find yourself. For example, in most urban areas, you aren\u2019t allowed to exceed 60 km per hour. The limit is more relaxed in rural areas as you can go as high as 90 km per hour there! In turn, the motorway speed limit is 110 km per hour. So knowing where you are can help you drive safely within the speed limit. Knowing where you are can help you drive accordingly.\n\n\nMalaysia Driving Side\n\n\nThe practice among drivers here is to drive on the left side of the road. The vehicles in operation in Malaysia have their steering wheel located to the right. You must bear this fact in mind, mainly if you\u2019re coming from an origin country that drives on the right side. Otherwise, you might get confused and in extreme cases, even involved in an accident. Understandably, you might need awhile to adjust to driving this way, if you haven\u2019t before.\n\n\nBlood Alcohol Limit In Malaysia\n\n\nThis is yet another aspect that you need to pay careful attention to. If you are driving, then your blood mustn\u2019t contain more than 80 mg of alcohol. Since you can be stopped and subjected to a test by the police at any time, you must adhere strictly to this.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nDriving Age In Malaysia\n\n\nIf you plan on driving, the minimum age allowed behind the wheel is 17. To rent a car, however, you need to be at least as old as 23 in the country. As a nation, Malaysia takes everything traffic-related very seriously. Thus, anyone who drives has to be fully responsible for his/her actions on the road.\n\n\nPlease stay tuned for the concluding part of this driving guide in Malaysia!\n\n\nTags:\nBlood Alcohol Limit\nMalaysian Law\nSpeed Limit\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/02/understand-power-of-attorney-in-malaysia/", "title": "Understand Power Of Attorney In Malaysia", "body": "Can you be confident that your loved ones will inherit what\u2019s rightfully theirs and that the wrong people won\u2019t take it? That is why it is so essential to understand what the \nPower of Attorney\n (POA) is and how it can be helpful to you!\n\n\nWhat Is The Power Of Attorney?\n\n\nA POA entrusts an individual, an agent, or a company responsible for handling your property on your behalf. A POA will give the individual limited or full authority to decide what to do about the property or asset in question. According to Malaysian law, a POA is a document or instrument that appoints a Donee (the recipient) as an attorney of the Donor (the one granting power); a document that gives specific capabilities to a Donee. Doners may contribute Donees\u2019 general or particular abilities that are either revocable or irrevocable based on their needs and circumstances. They must state an appointed Donee in the POA document. A \nPOA\n serves as a convenience tool for individuals who reside outside of the country and need someone trusted to manage their properties (and other assets) on their behalf. Often in Malaysia, landowners grant a \npower of attorney\n to developers to develop their lands. A \nPOA\n is also commonly used by the elderly to give specific powers or authority to their younger next of kin so they can take care of any land-related affairs on their behalf.\n\n\nTake care of your loved ones by planning your legacy today\n\n\nUsing POA In Malaysia\n\n\nA Power of attorney provides authority for a wide range of purposes. The grantor can choose the extent and scope of the powers he grants to the appointed agent. They can use the document for the following purposes:\n\n\n\n\nAward of contracts\n: Company directors or administrators use this to conclude a contract with a client without the client\n\n\nIncorporating a company in Malaysia\n: Use POAs by entrepreneurs who want to start a business in Malaysia but cannot be physically present throughout the whole process.\n\n\nPlanning for real estate and finance\n: Powers of attorney can also be for those who require financial assistance; they can also take effect if the principal loses their mental capacity to manage finances.\n\n\nHealth issues\n: It comes to light when someone else is required to handle decisions regarding their health after the individual has lost mental capacity.\n\n\n\n\nRevoke the powers of attorney contract if necessary. The legal provisions in the agreement also include a clause that clarifies the consequences for an agent who does not follow instructions.\n\n\nCan The Donor Limit Powers Given To The Donee?\n\n\nThe Donor can limit the Donee\u2019s powers by specifying what the Donee must follow. Donors may set the obligations, responsibilities, and undertakings of Donees on their behalf and fulfil their duties as Donees.\n\n\nFincrew Online Will Writing Services banner\n\n\nWhat You Need To Do To Register For a Power Of Attorney In Malaysia\n\n\nDo a registration of powers of attorney with one of the High Court registration offices in the area where they created the document. Specifically, either at the High Court of Malaya, Kuala Lumpur, or another high court in Malaya, West Malaysia. Obtaining a power of attorney in Malaysia requires the following documents:\n\n\n\n\nA power of attorney in original form;\n\n\nOne pull of attorney copy;\n\n\nThe Donor\u2019s and the Donee\u2019s identification documents.\n\n\n\n\nSign one in the presence of a witness. Notaries public are typically involved in closing this document, but a magistrate, a land administrator, an advocate, or a commissioner for oaths may also conclude it.\n\n\nTags:\nDonee\nDonor\nEstate\nHigh Court of Malaya\nPower Of Attorney\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/09/should-you-get-an-extended-warranty-for-your-used-car/", "title": "Should You Get An Extended Warranty For Your Used Car?", "body": "Ninety-five percent of new-and used-car shoppers prioritize reliability when deciding on a vehicle. Knowing which cars are reliable is not enough for many shoppers. Protection is what they seek. A vehicle service contract, often called an \nextended warranty\n, appeals to consumers interested in buying a \nused car\n or developing bumper-to-bumper coverage on a new car. No matter what type you choose, extended warranties give you peace of mind by limiting your financial risk for a specified amount of time. However, car owners often pay more for the coverage than they receive indirect \nbenefits\n. It isn\u2019t surprising since extended warranties generate a lot of revenue for those who sell them.\n\n\n\n\nWhat Is An Extended Car Warranty?\n\n\nExtended warranties, also called service contracts, are an optional plan you can purchase to help pay for some of the \ncosts associated with vehicle repairs\n. It usually occurs when the \nmanufacturer\u2019s warranty expires\n, but there are times when the two overlap. However, extended warranties do not cover everything.\n\n\nDo You Need An Extended Warranty?\n\n\nPurchasing an extended warranty\n is primarily determined by the ownership plan of each individual. The \nextended warranty\n may not be necessary if the car is used and sold within its warranty period. It may, however, result in better negotiations and a higher \nresale value\n in the future. It is beneficial to keep the car longer than the standard warranty. Although cars today are more reliable than ever, some failures can still occur, especially after two or three years. It is when extended warranties come in handy.\n\n\nWhat Does An Extended Warranty Cover?\n\n\nThe answer depends on the manufacturer as well as the model. The manufacturer typically offers the engine and electrical damage coverage but not wear and tear. Additionally, labor costs are covered, so you will not have to pay a dime if you need a complicated repair or replacement. You should also check third-party schemes since \ninsurance companies\n underwrite warranties. You are always better off getting your extended warranty directly from the manufacturer.\n\n\nWhat Isn\u2019t Covered?\n\n\nIt is not possible to use your extended warranty for general car maintenance. Many manufacturers do not cover everyday wear and tear parts such as brake pads, clutches, suspensions, and even some electronics. The warranty does not cover paint issues, rust, upholstery, or other factors that wear out over time. Extended warranties do not cover service performed outside the approved service center, accessories added after the warranty period, electrical modifications, paint scratches, accidental damage, floods, earthquakes, and rodent infestation. It\u2019s always beneficial to buy an extended warranty, especially if you intend to keep your car for a long time. Some parts and faults are not covered, but what you get is a lot. The premium may be expensive, but it can save you a lot at the end of the day or help you sell your car for more money.\n\n\nBuying It\n\n\nYou can get an extended warranty from the manufacturer or dealer. There may also be better options available from third parties. You are likely to find a better deal if you buy the extended warranty at the time of purchase. Make sure you find out the time limit if you\u2019re not sure and want to think about it for a while. Extended warranties are usually available before the standard contract expires, but some manufacturers have a deadline. Also, look carefully at the coverage scheme before purchasing an extended \nwarranty\n. The salespeople will entice you with tempting deals, but make sure the \nwarranty\n covers enough.\n\n\nTags:\nAccidental Damage\nBumper-to-Bumper Warranty\nCar Warranty\nExtended Warranty\nUsed Car\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/02/18/insurans-kenderaan-terhadap-kemalangan-akibat-mabuk/", "title": "Insurans Kenderaan Terhadap Kemalangan Akibat Mabuk", "body": "Insurans kenderaan\n memberi pelindungan terhadap kerosakan yang diakibatkan oleh kemalangan. Tetapi, apakah yang akan berlaku sekiranya kemalangan itu disebabkan oleh pemanduan di bawah pengaruh alkohol atau mabuk? Adakah syarikat \ninsurans kenderaan\n akan membayar untuk kemalangan yang disebabkan \nmemandu dalam keadaan mabuk\n? Teruskan pembacaan untuk mengetahui dengan lebih lanjut tentang jenis kemalangan akibat \nmemandu dalam keadaan mabuk\n serta senario insurans kereta dan bagaimana ia boleh mempengaruhi anda. Sesiapa sahaja yang memandu di bawah pengaruh alkohol mahupun dadah boleh dikenakan hukuman penjara dan juga denda.\n\n\n\n\nWalaupun anda didapati bersalah, dan berdepan dengan risiko kewangan yang besar jika anda terlibat dalam kemalangan akibat pengambilan alkohol yang berlebihan, anda mungkin akan terkejut bila mengetahui bahawa syarikat insurans kenderaan akan memberikan anda pelindungan bagi sebarang kemalangan yang diakibatkan oleh memandu di bawah pengaruh alkohol. Tetapi ini tertakluk kepada syarat ketat \npolisi insurans\n. Di Malaysia, memandu di bawah pengaruh alkohol adalah pengecualian umum untuk \ninsurans kereta\n.\n\n\nKenapa Syarikat Insurans Melindungi Pemandu Mabuk?\n\n\nBenar, memandu dalam keadaan mabuk adalah satu kesalahan. Tetapi, perkara ini dianggap sebagai jenayah tanpa niat. Ya, anda memang tahu yang anda memandu di bawah pengaruh dadah ataupun minuman keras. Tetapi tidak ada siapa pun yang merancang untuk terlibat dalam kemalangan. Sebab itulah syarikat insurans anda tidak akan melindungi kerosakan kenderaan atau harta benda akibat daripada pengaruh dadah dan alkohol. Tetapi, \nsyarikat insurans\n masih perlu membayar kecederaan dan juga kerosakan yang dialami oleh pihak ketiga. Syarikat insurans juga masih berhak untuk membuat tuntutan balik ke atas apa yang diinsuranskan.\n\n\nSenario Kes Pemandu Mabuk\n\n\nIni merupakan senario kes untuk anda \u2013 Seorang pemandu mabuk telah merosakkan kenderaan pihak ketiga serta mencederakan 3 mangsa di dalam kenderaan tersebut. Keluarga mangsa memutuskan untuk menyaman pemandu mabuk tersebut dan mahkamah membenarkan pampasan mahkamah sebanyak RM200k. Syarikat insurans akan membayar terlebih dahulu pampasan RM200k tersebut. Beberapa minggu kemudian, pemandu mabuk tadi menerima surat daripada syarikat insurans untuk membayar kembali RM200k tadi berserta dengan kos guaman kerana pengaruh alkohol adalah pengecualian.\n\n\nApa Yang Akan Terjadi Sekiranya Saya Mengisytiharkan Muflis?\n\n\nJika mangsa menang tuntutan mahkamah tersebut, pendapatan kewangan anda akan diambil kira untuk membayar semua kos guaman yang terlibat. Anda perlu tahu bahawa dalam sesetengah hal perundangan, anda mungkin akan terlepas jika anda mengisytiharkan diri anda muflis. Akan tetapi, ini tidak berlaku dalam kes tuntutan yang melibatkan pemandu mabuk. Kewajipan kewangan anda terhadap pemanduan mabuk akan tetap disimpan dalam rekod walaupun anda diisytiharkan muflis.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nApa Yang Akan Berlaku Terhadap Polisi Saya Apabila Memandu Dalam Keadaan Mabuk?\n\n\nApa-apa pun, syarikat insurans anda tetap akan membayar kerugian mangsa. Tidak kiralah sama ada anda memandu di bawah pengaruh dadah atau alkohol. Tetapi selepas kemalangan itu, \npolisi insurans\n anda mungkin akan terbatal atau anda perlu membayar dua kali ganda untuk insurans kenderaan setelah mengakibatkan kemalangan.\n\n\nKesimpulan\n\n\nJangan pernah terfikir yang anda akan terlepas daripada memandu dalam keadaan mabuk atau apa-apa jua kesalahan lalu lintas. Walaupun syarikat insurans akan membayar pampasan kepada mangsa dibawah perintah perundangan, mereka boleh menggunakan hak subrogasi untuk membuat tuntutan balik terhadap anda. Dan kesalahan itu akan dikenakan hukuman yang berat di bawah undang-undang Malaysia.\n\n\nTags:\nInsurans Kenderaan\nInsurans Kereta\nMuflis\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/02/22/five-best-ways-to-improve-your-ccris-report/", "title": "Five Best Ways To Improve Your CCRIS Report", "body": "Recently, our community message boards have been flush with requests from members on the most efficient ways to improve their CCRIS records. It is genuinely pertinent information because while \nCCRIS\n or CTOS can\u2019t block you, the forms it provides financial institutions shape how you\u2019re significantly perceived. So, if you want to improve your \nCCRIS\n quickly, here are some of the best ways.\n\n\nDebt Consolidation And Automation Of Monthly Loan Installment\n\n\nDebt consolidation is when an individual combines all their existing debts into a new personal loan. By consolidating your debt, you can more easily monitor your \nfinances\n and plan appropriately. Once reduced, consider automating your repayments as well. That way, you\u2019re less likely to miss an installment. Few things are more damaging to your CCRIS report than a history of missed payments.\n\n\nClear Overdue Loans First\n\n\nYou need to re-order your priorities and make settling any overdue \nloans\n a significant priority. Naturally, this means cutting back on buying new clothes or getting the latest gadgets, at least for a while. By channeling all of these resources and more toward clearing your overdue loans, you\u2019re slowly yet effectively cleaning up your CCRIS report.\n\n\nConsider Getting An Extra Source Of Income\n\n\nEarning a little extra cash is never a bad thing. And, when you can put that cash towards clearing outstanding debt, that\u2019s even better. The good news here is that thanks to technology and the Internet, you don\u2019t even have to exert to get a side hustle that\u2019ll bring you that much-needed infusion of extra funds. You need to access any growing freelance platforms like Fiverr or People Per Hour and see your services.\n\n\nFind a Fast And Safe Online Personal Loans\n\n\nAnother great option worth considering here is getting a trustworthy personal loan online. Following this line of action might be especially worthwhile for you if you\u2019re a private sector worker and want to clear a long overdue small loan on your \nCCRIS report\n as quickly as possible. As you\u2019ll usually be able to easily find a wide range of providers offering small \nloans with a shorter repayment\n period on the Internet, you need to make that work for you. At the same time, you might feel like you can ignore an overdue debt if it\u2019s a small loan amount but don\u2019t. Even that small loan is enough to make some banks reject your application!\n\n\nLearn Financial Discipline\n\n\nFinancial\n discipline ensures you never borrow more than you truly need and can afford to pay back. It ensures that you spend what you borrow in a manner that doesn\u2019t bring you more short or long-term expenses. So, following this practice will always do you good.\n\n\nBottomline\n\n\nCleaning up your \nCCRIS report\n will take time and effort, but the sooner you get started, the faster you can see good results and access better credit.\n\n\nTags:\nCCRIS\nCCRIS Report\nCTOS\nDebt Consolidation\nPersonal Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/12/04/betterment-in-insurance-claim-explained/", "title": "Betterment In Insurance Claim", "body": "Have you been in a car accident where your vehicle required a replacement part? Once you \nfiled a claim\n, you discovered that you have to pay for something called \u201c\nbetterment\n.\u201d If you were surprised by that, let us tell you that you are not the first. There is often confusion on the specifics of \nbetterment\n and how it works. Please read our short guide that explains this term and everything related to it.\n\n\n\n\nThe Principle Of Indemnity\n\n\nThe first thing to clarify is that betterment is a part of many \ninsurance policies\n in Malaysia. That means the \ninsurance companies\n offering the betterment are doing everything by the book and following the law. Now, let\u2019s imagine that your car participated in a car accident. For example, a negligent \ndriver hit you\n from behind. After you \nfiled a claim\n of negligence, it turns out that you need a replacement part. One important thing to know is that the agencies process these negligence claims by using the principle of indemnity. That involves compensating the damage in a way to return everything to the previous state. The simpler explanation is that the \ninsurance company\n will try to put you back in the same place as if the accident never occurred. For example, let\u2019s say that you need a replacement part after someone hits you from behind. Once you request for a \nclaim\n and it turns out that there is a 100% liability, that means you are not to blame for what happened. However, betterment is still applicable when calculating repair costs.\n\n\nWhat Is Betterment?\n\n\nBetterment is the sum you have to pay when your replaced vehicle part is substituted with a new one. The best way to explain why it exists and how it works is through an example. You are driving a six-year-old car and require a replacement part after it was damaged in an accident. The \ninsurance\n company approved the new components but also included a betterment cost that you have to pay. That is because the car and the part are both six years old, but the component you are getting is brand new. It means you are getting an upgrade, and betterment is there to even things out. Betterment only applies if you are getting a new part. The sum you will have to pay depends on the age of your car. Here is the table that explains the percentage applied when calculating the betterment:\n\n\n\n\n\n\n\n\n\n\nHow old is your vehicle?\n\n\n\n\nThe percentage you have to pay\n\n\n\n\n\n\nLess than 5 years old\n\n\n0\n\n\n\n\n\n\n5\n\n\n15%\n\n\n\n\n\n\n6\n\n\n20%\n\n\n\n\n\n\n7\n\n\n25%\n\n\n\n\n\n\n8\n\n\n30%\n\n\n\n\n\n\n9\n\n\n35%\n\n\n\n\n\n\n10 and more\n\n\n40%\n\n\n\n\n\n\n\n\nThat means there is no \nbetterment fee\n for a relatively new vehicle. It is also important to mention that betterment is only applicable if you want a new component instead of the old one.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nIs There A Way Around The Betterment?\n\n\nThe betterment factor only applies when the parts you are getting are new. You can ask for second-hand components to avoid paying the \nbetterment fee\n. However, please bear in mind that you won\u2019t be getting a new part, which can be a huge risk. Additionally, some policies have the so-called \u201cwaiver of betterment\u201d available. That means you can purchase an add-on and don\u2019t pay anything if the betterment factor comes into play. Instead, the insurance company will cover all expenses.\n\n\nTags:\nBetterment\nInsurance Claims\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/03/03/car-insurance-policy-price/", "title": "Car Insurance Policy Price", "body": "It was time to renew your \ncar insurance policy\n, and the agency informed you that your premiums would cost more than earlier. You might be wondering when did that happen and how often your car insurance rate will increase in the future. The experts indicate that it is impossible to determine how often the cost of premiums will change. However, you can consider numerous factors to discover when to identify rate adjustments.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nWhy Did My Car Insurance Rate Go Up?\n\n\nIf you are wondering why you need to pay more for your policy than last year, these are the most common reasons.\n\n\n\n\nYou Lost Your No Claim Discount\n\n\nThat is the primary and most frequent reason why your \ncar insurance in Malaysia\n might increase. Before we discuss how you can lose the \nNo Claim Discount (NCD)\n, let\u2019s explain it briefly. \nNCD\n is a discount that you get when \nrenewing your insurance\n deal for multiple years. The lowered price can go from 25% (second year) to 55% (after the fifth year). As you can see, that is a considerable difference. If you lose it, the odds are that you will have to pay a lot more for your insurance. Here are the two main reasons why you would lose the \nNo Claim Discount\n:\n\n\n\n\nYou filed a claim \u2013 if you filed an \ninsurance claim\n during the last year, cancel the discount automatically. That is why many people avoid \nfiling claims\n when the damage costs are low.\n\n\nSomeone else filed it against your policy \u2013 it might be that a third-party filed a \nclaim\n against your current deal.\n\n\n\n\nYou Were Involved In A Collision\n\n\nIf you were a part of an accident, and you were the one to blame for causing it, your premiums might increase. That is because the \ninsurance providers\n will see you as a bigger risk than before. Every agency will check your violation history carefully. Apart from accidents, they will also consider \ndriving under the influence\n (DUI) or other violations.\n\n\nCanceling A Policy Related To Car Insurance\n\n\nAre your associated policies still active? If you cancel the homeowner\u2019s policy, the odds are that your \ncar \ninsurance premium\n with the same provider will rise. There is another reason why your \ncar insurance\n cost might be higher than usual. You might have changed the provider, and it is your first year with the news agency.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nOther Reasons Why Car Insurance Rates Might Go Up\n\n\nYour car insurance policy\u2019s cost might increase for reasons that don\u2019t have anything to do with you. Here is an overview of other factors that \naffect the rates:\n\n\n\n\nAn increased number of accidents \u2013 the agencies might decide to change the rates because the overall number of incidents has gone up in recent years. That happens because of distracted drivers talking on smartphones, typing messages, etc.\n\n\nMore expensive to repair the car \u2013 the cost of repairs might change, especially with new safety features and car components.\n\n\nPricier healthcare \u2013 the healthcare cost might also go up, including medical treatments and therapy. That is why the agencies might be forced to alter the rates.\n\n\n\n\nIf you move to an area with a higher flood risk or another factor the company considers relevant to your \ncar insurance policy\n, that could also be the reason for a higher premium rate.\n\n\nTags:\nDriving Under The Influence (DUI)\nInsurance Policy\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/07/08/exposure-and-coverage-in-terms-of-insurance/", "title": "Exposure And Coverage In Terms Of Insurance", "body": "Getting the right \ninsurance policy\n for yourself is always easier when you have a working understanding of the terms and phrases prevalent in the insurance world. Knowing what some of these words mean and how they apply to you might be instrumental in helping you pick the perfect \ninsurance policy\n for your needs. When it comes to insurance, most people tend to encounter a few challenges because of how confusing and convoluted language the insurance world can be. To fully understand any \ninsurance policy\n you plan on taking. You need first to make yourself familiar with the terms you are likely to encounter. Two of the most popular \nterms of insurance\n are \nExposure\n and Coverage.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat is Exposure?\n\n\nIn \ninsurance\n, \nexposure\n is used by insurance companies when referring to your potential to suffer accidents or any other form of loss. Exposure is a vital aspect of insurance because it is what every insurance company uses to determine the premiums it offers to each client. Mostly, your level of exposure plays a vital role in deciding whether or not an insurance company will provide you with its services. Not sure what we mean? Perhaps this will help. If you are a driver, the more you drive, the higher your exposure. This translates to the more often you drive, the higher your risk of being involved in an accident or other traffic-related problem complications. Similarly, city dwellers automatically generate higher exposure than rural dwellers since they are more likely to encounter potential loss.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nSome insurance companies also call their insured entities exposures. Unsurprisingly, once you take out insurance, you represent a risk to the insurance company as they must pay the required dividends the moment you \nfile a claim\n.\n\n\nWays an Insurance Company Uses Exposure\n\n\nGenerally speaking, insurance companies can use exposure in any of the following manners.\n\n\nEarned Premium\n\n\nWhen you secure a policy with an insurer, you are expected to pay a certain sum for coverage (premium) over a particular time. Once the agreed-upon duration of time has lapsed, that premium can be considered a \u201cprofit\u201d or \u201cearned\u201d by the \ninsurance company\n.\n\nYour exposure is key to determining your \npremium as it offers your insurer\n clear insight into what level of risk they are taking on you.\n\n\nUnearned Premium\n\n\nIn many ways, this is almost the exact opposite of the above. Unearned premium is that portion of the premium you paid to your insurer you\u2019re still under coverage for. For example, let\u2019s say you took out a 5 \u2013year insurance on your vehicle for 5, 000 Ringgit. After the first year on that policy, your insurance company\u2019s earned premium is 1, 000 Ringgit while its unearned premium is 4, 000 Ringgit. Note that an unearned premium could be returned if your package is canceled or you do not need that insurance anymore.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhat is Coverage?\n\n\nInsurance coverage\n is the insurance used to cover certain risks or liability incurred by an individual. Coverage can be beneficial as it often comes in handy when you least expect it. You could get.\n\n\nAuto Insurance\n\n\nThis insurance is used to cover your vehicle. How high or low the premium you\u2019ll pay generally depends on several factors such as your driving history, how often you drive, where you are, age, and so on.\n\n\nLife Insurance\n\n\nWhat you pay for this often largely depends on factors such as age and gender. Other factors such as health status as well as an occupation also have an influence here.\n\n\nThere you have it. With this, you\u2019re well on your way to taking out the best insurance policy for yourself.\n\n\nTags:\nCoverage\nEarned Premium\nExposure\nInsurance Policy\nLife Insurance\nUnearned Premium\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/02/28/is-car-extended-warranties-worth-the-money/", "title": "Is Car Extended Warranties Worth The Money?", "body": "Reliability is what car buyers want. It is ranked high by 95 percent of new-and used-car shoppers when choosing a car. Yet, even knowing which cars are trustworthy isn\u2019t enough for many consumers. What they want is protection. When consumers purchase a \nused car\n or wish to extend the bumper-to-bumper coverage of a new unit, an extended warranty or service contract is an attractive option. In any case, \nextended warranties\n limit financial risk for a specific period, providing peace of mind.\n\n\n\n\nWhat Is An Extended Car Warranty?\n\n\nExtended car warranties\n offer premium coverage for significant vehicle repairs or replacements over a set period. In most cases, the warranty begins when the manufacturer\u2019s warranty is up, but sometimes the two overlap. Using a \ncar extended warranty\n may require you to take your car to an authorized repair shop, pay for the work upfront, and request reimbursement later.\n\n\nWhy An Extended Car Warranty Is Worth It\n\n\nThe following are five reasons why \nextended warranties\n are worthwhile:\n\n\nSignificant Cost Savings\n\n\nExtended car warranties are often questioned since they are separate from the vehicle and purchased separately. However, you can typically save a significant amount of money with an \nextended auto warranty\n. An extended warranty on a luxury vehicle like a Lexus or BMW could save you thousands of dollars. For example, a BMW 328i cylinder head replacement can cost an astonishing 45,985 MYR, many times the cost of an extended warranty. Although Ford, Chevrolet, and Toyota vehicles may have lower prices, they add up quickly as your vehicle\u2019s reliability continues to deteriorate with time. It is further exacerbated by delaying necessary repairs. The cost of extended warranties is worth it regardless of whether you own a new Mazda or a Toyota with more than 60,000 miles.\n\n\nHaving Peace Of Mind\n\n\nWhether your car is a new or used model, extended warranties provide extra coverage if you need it or \ncannot afford the repairs\n. The price of repairs, replacement parts, and labor might be challenging to pay once a factory warranty expires. By purchasing an extended auto warranty, you eliminate this source of anxiety and will be protected from \ncostly repairs\n. Additionally, it removes the hassle of filling out lengthy paperwork and haggling with mechanics for a fair price.\n\n\nBenefits Often Overlooked\n\n\nA \ncar extended warranty\n can be beneficial in stressful situations in more minor well-known ways. For example, with an extended car warranty, you\u2019ll get roadside assistance, \nrental car\n reimbursement, towing, trip protection, and affordable payment options. Don\u2019t worry about getting to a mechanic or accommodate yourself in the event of a mechanical breakdown with 24/7 roadside assistance.\n\n\nFlexibility Like No Other\n\n\nAn \nextended car warranty\n provides unparalleled flexibility in comparison with manufacturer warranties. For example, a service contract allows you to take your car to any authorized repair shop. At the same time, a manufacturer\u2019s warranty usually requires you to take the vehicle to a specific dealership. In addition, you can shop around for the most affordable coverage options by purchasing a third-party warranty.\n\n\nAn Increase In Resale Value\n\n\nYou can offer the new owner a comprehensive \ncar extended warranty\n by transferring the extended warranty, usually inexpensive. However, your vehicle\u2019s service contract may attract individual buyers, resulting in increased interest and a higher sale price.\n\n\n\n\n\n\nTags:\nExtended Warranty\nResale Value\nRoadside Assistance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/12/24/third-party-tow-truck-service/", "title": "Third Party Tow Truck Service", "body": "Generally, it\u2019s normal for you to be in shock when involved in a road accident. You might be frustrated, traffic banking up behind you, and all you want is getting your vehicle off the road and getting out of there. Then in a twinkle of an eye, boom, a \ntow truck\n driver arrives to help move your car, and you felt so calmed you could about hug them. So do you jump at the first third party \ntow truck\n driver to arrive on the scene and trust that they\u2019ll take care of the whole mess? You probably don\u2019t want to. Read along as we\u2019ll talk you through what to do in this situation.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhy You Should Not Engage With Third-Party Tow Truck Services\n\n\nMost third party tow truck drivers take advantage of your state of mind after an accident. They get you to sign dubious documentation while you\u2019re stressed out and drain you from towing service. More so, some of these dubious contracts also contain mostly unpleasant terms, like forcing you into using a particular repairer who\u2019ll charge you inflated fees for repairs or storage. This is because these third party tow truck drivers get a commission of the repair cost from the repairer workshop. Furthermore, on some occasions, they even add more \ndamage to your car\n to increase the repair cost. In turn, they get a higher commission from the panel workshop.\n\n\nWhy Should I Bother, My Insurer Will Pay For The Bills?\n\n\nYes, you may think why should I care, since my \ncar insurance company\n will pay for the damage. However, what you don\u2019t know is\u2013the charges might be above what your insurer covers under your policy. In this situation, you might be left to foot the bill.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nSo What Should I Do?\n\n\nNo matter how frazzled or frustrated you are when you are involved in an accident; you need to stay calm and do the following.\n\n\n\n\nCall your insurance company\n: Before you hurriedly do anything funny or sign any document, you need to call your \ninsurance company\n to assist for help. They will have an authorized towing truck for you and inform you what to expect.\n\n\nReread your cover\n: Towing policy varies from \ninsurance company\n to another, and you may not be covered for towing. It\u2019s a good idea to study your product disclosure statement to check your coverage limits.\n\n\nDon\u2019t just sign\n: You should never sign a blank or incomplete towing authority form. Be sure it contains the full address of where the car is being towed to that is the panel workshop and the towing fee.\n\n\nIt\u2019s your decision\n: You get to choose where your car is towed to.\n\n\nTake your time\n: You might want to take some time to reconsider your options; in that case, get the car towed to your home. That way, you won\u2019t be charged storage fees, although you might end up paying for two tows, which is worth it if you carefully take the best decision.\n\n\n\n\nWhile you might think it is safe to use third party tow truck drivers, well, it\u2019s always not. If you have a crash, we recommend you call your \ncar insurance\n company as soon as possible and let them organize the tow. That is your best option.\n\n\nTags:\nTow Truck\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/16/understand-what-is-total-loss-threshold-in-insurance/", "title": "Understand What Is Total Loss Threshold In Insurance", "body": "A vehicle that suffers significant damage and cannot be repaired may be considered a total loss by your insurance provider. Insurance companies use either an Total Loss Threshold (TLT) or a Total Loss Formula (TLF) to determine whether a car is totaled.\n\n\nWhat Is Total Loss?\n\n\nDamaged cars become total losses when the cost of \nrepairing the damaged car\n is greater than the car\u2019s worth. This damage may result from \ntheft\n, accidents, or a natural disaster. As soon as your vehicle leaves the dealer\u2019s lot, its value depreciates. Insurers have different methods for determining a car\u2019s value when damaged; this is known as the car\u2019s \nactual cash value\n (ACV). The \ninsurance company\n checks several factors when calculating the ACV value, including age, mileage, condition, and the price of identical cars in the area. A gap insurance policy pays the gap between the \nactual cash value\n of your vehicle and your lender\u2019s loan balance when you\u2019re paying off a loan on a totaled car.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nHow Insurance Companies Determine Whether a Car Is \u201cTotaled\u201d\n\n\nIt is not straightforward to determine what constitutes a \ntotal loss\n, and the method used by each company differs. A totaled vehicle is determined by \ninsurance companies\n using two different ways:\n\n\n\n\nTotal Loss Threshold (TLT)\n\n\nTotal Loss Formula (TLF)\n\n\n\n\nTotal Loss Threshold (TLT)\n\n\nThe \ntotal loss threshold\n is expressed in the vehicle\u2019s market value. To determine if the car has been totaled, divide repair costs by the car\u2019s actual cash value. Cars with significant damage may be declared a total loss rather than being repaired if they meet or exceed this threshold. For example, imagine that a vehicle\u2019s ACV is RM10,000 and its repair cost is RM8,000. This vehicle has a \ntotal loss threshold\n of 80 percent (8,001 / 10,000). After a certain percentage is reached, the insurer will declare the car totaled.\n\n\nTotal Loss Formula (TLF)\n\n\nAnother method of determining whether a car is a total loss is to use this formula. It involves the fair market value of the vehicle less its salvage value. Insurers add the repair costs to the vehicle\u2019s salvage value. A total loss is declared when the sum exceeds the vehicle\u2019s ACV. For example, consider a car whose salvage value is RM2,000, and its repair cost is RM5,000. An insurer will pay for the repairs if the ACV of the vehicle is RM8,000 (RM2,000 + RM5,000 = RM7,000, which is less than the RM8,000 ACV).\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nWhen Your Vehicle Is Considered a Total Loss, What Should You Do?\n\n\nIf your insurance company tags your vehicle as a total loss and you don\u2019t want to dispute the claim, there are a few things to know about the process. Additionally, you should contact the leasing company to let them know it has been totaled if you are leasing your vehicle. You should take the following steps if your car has been declared a total loss.\n\n\n\n\nTake off the license plates.\n\n\nRemove personal belongings.\n\n\nIt is best if you surrender the keys to your \nclaims\n adjuster.\n\n\nCompleting the paperwork is necessary.\n\n\n\n\nFinal Thought\n\n\nHaving total loss coverage is a good idea if you have no alternative to using your vehicle and cannot afford to replace it on your own in a total loss. Losing a car can also result in an income loss for many people. When this happens, full loss \ninsurance\n becomes essential.\n\n\nTags:\nActual Cash Value (ACV)\nTotal Loss\nTotal Loss Formula (TLF)\nTotal Loss Threshold (TLT)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/04/08/travel-insurance-for-business-trip/", "title": "Travel Insurance For Business Trip", "body": "You might be on a one-off business trip, or you may be a regular business traveler whose name the flight attendants know. Maybe every loyalty program recognizes you as a Diamond Platinum Crown Elite member. Business travel can be glamorous. How about the less glamorous side of it? Flight cancellations. Lost luggage. I am sitting next to someone who coughs for five hours straight. The great news is that \ntravel insurance\n can help protect your business trip when things go wrong. Learn more here.\n\n\nWhat Is A Business Travel Insurance Policy?\n\n\nHaving \ntravel insurance\n for your business trip will offer you protection for accidents, \nillnesses\n, trip cancellations, and more. The policy also covers your belongings if they get lost, damaged, or stolen, so you won\u2019t have to worry about them.\n\n\nWhat Are The Pros Of Business Travel Insurance?\n\n\n\n\nCancellations at the last minute\n\n\nCoverage for kidnappings and ransoms\n\n\nCoverage of terrorism\n\n\nDelay or loss of luggage\n\n\nInjuries and Emergencies\n\n\n\n\nThe \nbest travel insurance\n for a businessperson who takes multiple business trips per year is multi-trip \nbusiness travel insurance\n. Many of these policies cover multiple trips throughout the year, saving busy travelers time and money. It also covers the costs of emergency medical care incurred from travel-related incidents. In addition to emergency medical services, coverage may include trip cancellations, terrorism & riots, luggage loss, medical evacuations, and lots more. It is highly recommended that business travelers traveling abroad purchase adequate travel insurance. It is possible that your employer will not cover certain travel-related expenses or medical bills if you become injured abroad, and you will be responsible for some high costs. \nBusiness travel insurance\n reduces your financial risk and liability to concentrate on the most important things.\n\n\nMedical Conditions That Pre-Exist When Applying For Business Travel Insurance\n\n\nYou may experience added stress while traveling for business if you have pre-existing medical conditions. Most \nInsurance companies\n consider pre-existing medical conditions, and policies can be tailored to meet your needs. To purchase your business travel insurance policy, you must declare any medical conditions you may have. After that, you will undergo some simple medical screening before being offered the procedure.\n\n\nHow About If We Are Going On A Business Trip In A Group?\n\n\nConsider purchasing a group travel insurance policy and adding on the business travel insurance add-on for complete \ntravel insurance coverage\n for your entire group if you are all going on the same business trip together. All members of your group must travel together if you purchase group business \ninsurance coverage\n. Individual members arriving from a different airport or later need to get separate travel insurance to be covered. Your group will also have cover for more than 50 different sports and activities, including safaris, running, and fishing, along with all of the added extras that come standard with business travel insurance.\n\n\nHere\u2019s The Bottom Line\n\n\nEspecially in the post-COVID-19 world, it might be worth buying business travel insurance, even if you haven\u2019t done so before. In addition to trip cancellation or interruption insurance, medical expense coverage, and travel accident or death coverage, business travel insurance covers baggage and personal effects coverage.\n\n\n\n\nTags:\nBusiness Travel Insurance\nCOVID-19\nGroup Travel Insurance\nTravel Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/04/02/bagaimana-caranya-untuk-memilih-syarikat-insurans-auto/", "title": "Bagaimana caranya untuk memilih syarikat insurans auto?", "body": "\n\nDalam dunia hari ini, banyak syarikat insurans telah mula memanfaatkan jurang pengetahuan sebahagian besar pihak yang diinsuranskan untuk mendapatkan lebih keuntungan daripada mereka. Ramai pemilik kenderaan pastinya tidak suka mendengar tentang hal ini, tetapi ianya benar. Tapi, bagaimana anda boleh mengubah perkara ini dan pada masa yang sama masih mendapat \ninsurans\n berkualiti yang sesuai dengan kehendak anda? Adakah cara untuk mencari dan memilih pihak \ninsurans yang memberikan premium\n yang berbaloi dengan setiap sen yang anda bayar? Berita baik untuk anda, ada! Ia mungkin memerlukan sedikit usaha, tetapi di akhir nanti anda pasti gembira dengan hasilnya.\n\n\nHello, semua! Saya \nYuna\n. Saya merupakan duta jenama Fincrew dan jurucakap bagi siri video insurans360 Fincrew, dan saya akan membimbing anda dalam menjelaskan apa yang perlu anda ketahui dan hindari ketika memilih \nsyarikat insurans auto\n terbaik untuk melindungi anda. Jangan ketinggalan dalam mendapatkan sebarang maklumat terkini berkaitan dengan insurans! Maklumat seperti inilah yang akan memberikan perbezaan terhadap apa yang anda bayar untuk sesuatu pelindungan.\n\n\nDapatkan info terkini mengenai apa yang ada dalam Siri Video Insurans360 kami! Hanya klik pada butang \u2018Subscribe\u2019 dan aktifkan notifikasi untuk memastikan anda tidak terlepas pandang. Jadi, setelah anda melakukannya, mari kita ke persoalan utama.\n\n\nBagaimana Anda Memilih Syarikat insurans Auto yang Tepat?\n\n\nSejujurnya banyak perkara yang perlu dipertimbangkan sebelum anda mengambil apa-apa keputusan. Bagaimanapun, kami telah memecahkannya kepada bahagian-bahagian kecil bagi memudahkan anda memahaminya. Hanya ikut panduan yang kami berikan bagi mendapatkan pelindungan yang tepat untuk kereta anda!\n\n\nTip nombor 1 \u2013 Tentukan Jenis Perlindungan Yang Anda Perlukan\n\n\nRamai pemilik kenderaan yang terburu-buru menghubungi syarikat insurans tanpa mengetahui jenis pelindungan yang sebenarnya mereka mahukan. Ini boleh menjadi satu kesilapan besar kerana membuatkan anda bakal menerima bulat-bulat sebarang cadangan yang diberikan oleh syarikat insurans yang anda hubungi itu. Sebelum menghubungi sesiapa pun, pastikan anda mengetahui jenis pelindungan yang ada di luar sana dan memilih pelindungan yang sesuai dengan anda terlebih dahulu. Ini akan membantu anda untuk menentukan syarikat insurans mana yang perlu anda pilih.\n\n\nTip nombor 2 \u2013 Jangan Pilih Syarikat Insurans Pertama Yang Anda Jumpa\n\n\nTidak kiralah betapa menariknya premium dan pelindungan yang ditawarkan, jangan terus memilih \nsyarikat insurans auto\n yang pertama anda temui. Ambil masa untuk meneliti sebanyak mana alternatif yang ada sebelum memilih yang terbaik. Untuk maklumat tambahan, pastikan anda memilih syarikat insurans berdasarkan kriteria yang lebih relevan berbanding hanya harga yang murah. Benar, harga itu penting, tetapi masih ada perkara lain yang perlu anda pertimbangkan.\n\n\nTip nombor 3 \u2013 Teliti Polisi Anda\n\n\nKami bersetuju yang perkara ini mengambil masa dan agak memeningkan. Tapi, ini penting bagi memastikan anda memilih syarikat insurans auto terbaik untuk kenderaan anda. Insurans akan menentukan berapa banyak yang perlu anda belanjakan sekiranya berlaku kemalangan. Oleh itu, anda dinasihatkan untuk mengetahui secara tepat bagaimana anda akan dilindungi dan pelindungan tambahan apa yang anda perlukan. Melalui dokumen ini juga, anda dapat menentukan sama ada anda selesa dengan polisi ini secara keseluruhannya. Sekiranya anda terjumpa mana-mana klausa yang anda tidak faham, lebih mudah jika anda berbincang dengan syarikat insurans terbabit sebelum anda menandatangani dokumen tersebut.\n\n\nTip nombor 4 \u2013 Ketahui Cara Memfailkan Tuntutan dan Bagaimana Ia Berfungsi\n\n\nBenar, tidak ada siapa pun yang berharap untuk terlibat dalam apa jua kemalangan. Tetapi, lebih baik untuk kita tahu bagaimana proses memfailkan tuntutan dan bagaimana ia berfungsi dengan syarikat insurans yang anda pilih itu. Jadi, anda akan lebih bersedia sekiranya perlu.\n\n\nUntuk mengetahui lebih lanjut tip-tip berguna tentang bagaimana cara untuk mendapatkan syarikat \ninsurans dan polisi\n yang tepat untuk anda, pastikan anda \u2018Like\u2019 video ini. \u2018Subscribed\u2019 saluran video Fincrew official dan tekan butang notifikasi. Terima kasih kerana menonton, dan jumpa lagi!\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\n\u00a0\n\n\n\n\nTags:\nInsuran360\nInsurans Kenderaan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/28/financial-tools-calculators/", "title": "Financial Tools & Calculators", "body": "If you want to maintain solid \nfinancial health\n, you can\u2019t afford to do your financial planning and preparation anymore; you need to watch it and plan daily. But how do you keep such close tabs on your finances when you have your daily life to live? It is where the host of \nfinancial management tools\n FinCrew is currently offering Malaysians comes into the picture! Whether you want to do road tax preparation, calculate the interest rate for a credit card loan, or handle inventory management for small businesses, you can now find all the resources you need to do that easily here! The best part is that the list of \nfinancial\n and accounting tools available here is uncomplicated and easy to use, so you won\u2019t have trouble navigating them! Some of the cloud-based \nfinancial tools\n available to you now include:\n\n\nRoad Tax Calculator\n\n\nYou don\u2019t have to stress how much the government requires you to pay as \nroad tax\n anymore. With our \nroad tax calculator\n, you have to input details like the type of car you use, its engine capacity, and your region, and wait!\n\nYou\u2019ll get the exact yearly repayment sum you\u2019re supposed to pay in seconds.\n\n\nNo Claim Discount Checker\n\n\nEven at the best of times, car insurance can be challenging to understand. It is more so the case the longer you\u2019re on the same \ninsurance\n package, as you\u2019re likely to do things on autopilot. You can make managing your car insurance policy a lot easier when you use our \nno claim discount\n checker to see what no claims benefits you\u2019re entitled to.\n\n\nCritical Illness Cover Calculator\n\n\nAn excellent critical illness coverage plan can save many out-of-pocket hospital bills. Ensure that you get the best out of your time and money with such methods; you have to get the right policy for you in the first place.\n\nUsing our \ncritical illness cover calculator\n, you\u2019ll be in the right direction faster.\n\n\nRetrenchment Benefits Calculator\n\n\nAs an employer, the last thing to do is not pay a retrenched staff the correct sum required by the law. It can put you in serious trouble and even result in several legal and financial repercussions. Similarly, every employee should know what retrenchment benefits to expect from a former employer. Regardless of the fence you fall on, our \nretrenchment benefits financial calculator\n will help you crunch the numbers accurately and prevent mistakes!\n\n\nLoan Settlement Calculator\n\n\nYou don\u2019t need to wait till your \nloan\n term expiry date is around the corner before finding a steady monthly payment schedule to help clear your debt. It would be best if you supplied our financial \nloan settlement calculator\n with the necessary parameters. It\u2019ll help you figure out what interest payments you need to make each month to put any loan in your rearview.\n\n\nSME Loan Eligibility Checker\n\n\nSmall businesses almost always need a steady influx of funds, whether for expansion or ensuring superior inventory management, and SME loans are critical for this. Using our \nSME loan eligibility checker\n, you\u2019ll be able to know if you qualify for such benefits. And, if you don\u2019t, you\u2019ll get a good insight into what you need to do to change that.\n\n\nWith the long list of \nfinancial tools\n you now have at your disposal, managing your \nfinancial health\n will be easy and comfortable!\n\n\nRoadtax Calculator\n\n\n\n\n\u00a0\n\n\nTags:\nCritical Illness\nCritical Illness Cover Calculator\nLoan Settlement Calculator\nRetrenchment Benefits Calculator\nRoad Tax Calculator\nSME Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/08/17/%e4%bb%80%e4%b9%88%e6%98%af%e7%bb%bc%e5%90%88%e6%80%a7%e8%bd%a6%e9%99%a9/", "title": "\u4ec0\u4e48\u662f\u7efc\u5408\u6027\u8f66\u9669", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u5728\u524d\u51e0\u96c6\u7684\u89c6\u9891\u5f53\u4e2d\uff0c\u6211\u4eec\u90fd\u6709\u7b80\u5355\u5206\u4eab\u8fc7\u5404\u7c7b\u578b\u7684\u4fdd\u9669\u3002\u60f3\u5fc5\u5927\u5bb6\u4e5f\u5927\u81f4\u4e86\u89e3\u4ec0\u4e48\u662f\n\u7efc\u5408\u6027\n\u4fdd\u9669\u4e86\u3002\n\u7efc\u5408\u6027\n\u4fdd\u9669\u5c31\u662f\u6211\u4eec\u5e38\u8bf4\u7684 \nComprehensive Insurance\n\u3002 \u4e00\u822c\u4e0a\uff0c\u8fd9\u4e2a\u4fdd\u9669\u4e5f\u6bd4\u5176\u4ed6\u7c7b\u578b\u7684\u4fdd\u9669\u6765\u7684\u7684\u66f4\u8d35\u4e00\u4e9b\u3002 \u8fd9\u662f\u56e0\u4e3a\u6b64\u4fdd\u9669\u8986\u76d6\u8303\u56f4\u8f83\u5e7f\u3002\u8981\u8bb0\u5f97\uff0c\u8986\u76d6\u8303\u56f4\u8d8a\u5e7f\uff0c\u4fdd\u9669\u8d39\u5c31\u8d8a\u9ad8\uff1b\u4fdd\u9669\u8d39\u8d8a\u9ad8\uff0c\u4e00\u822c\u4e0a\u7406\u8d54\u91d1\u989d\u4e5f\u8d8a\u9ad8\u3002\u8ba9\u6211\u4eec\u5148\u590d\u4e60\u4e00\u4e0b\u6b64\u4fdd\u9669\u7684\u8986\u76d6\u8303\u56f4\u6709\u54ea\u4e9b\u3002\u4e00\u822c\u4e0a\uff0c\u6b64\u4fdd\u9669\u7684\u8986\u76d6\u8303\u56f4\u5c31\u5305\u62ec\u4e86\uff0c\u76d7\u7a83\u3001\u706b\u707e\u3001\u6389\u843d\u7684\u7269\u4f53\u3001\u56e0\u84c4\u610f\u88ab\u7834\u574f\u6240\u7167\u6210\u7684\u635f\u5931\u3002\u5728\u4e8b\u6545\u53d1\u751f\u540e\uff0c\u7b2c\u4e09\u65b9\u548c\u4f60\u7684\u8f66\u5b50\u90fd\u53ef\u4ee5\u83b7\u5f97\u7406\u8d54\u3002\u8fd9\u4e00\u4e9b\u90fd\u662f\u5927\u5bb6\u6bd4\u8f83\u719f\u6089\u7684\u3002\u5728\u7efc\u5408\u6027\u4fdd\u9669\u91cc\uff0c\u4fdd\u9669\u516c\u53f8\u4e5f\u4f1a\u63d0\u4f9b\u4e00\u4e9b\u9644\u52a0\u53d7\u4fdd\u4e8b\u9879\u5982\u6321\u98ce\u955c\u4fdd\u9669 (windshield insurance)\u3001\u97f3\u9891\u548c\u914d\u4ef6(Audio and accessories Cover)\u3001\u7279\u522b\u9644\u52a0\u9669(Special Perils)\u3002\u60f3\u5fc5\u5927\u5bb6\u5e94\u8be5\u4f1a\u6bd4\u8f83\u597d\u5947\u4ec0\u4e48\u662f\u7279\u522b\u9644\u52a0\u9669\u5427\uff1f\u5176\u5b9e\u8fd9\u4e2a\u989d\u5916\u9009\u9879\u662f\u4fdd\u969c\u4f60\u7684\u8f66\u5b50\u56e0\u5929\u707e\u610f\u5916\uff0c\u5982\u6c34\u707e\u3001\u571f\u5d29\u3001\u5730\u9707\u7b49\u9020\u6210\u7684\u635f\u574f\u3002\n\n\n\u90a3\u4e48\u73b0\u5728\uff0c\u6211\u4eec\u5c31\u6765\u63a2\u8ba8\u8c01\u6bd4\u8f83\u9700\u8981\u8d2d\u4e70\u7efc\u5408\u6027\u4fdd\u9669\n\n\n\u9996\u5148\uff0c\u4e00\u822c\u8d2d\u4e70\u65b0\u8f66\u7684\u8f66\u4e3b\uff0c\u4fdd\u9669\u516c\u53f8\u90fd\u4f1a\u5efa\u8bae\u8f66\u4e3b\u8d2d\u4e70\u6b64\u4fdd\u9669\uff0c\u7279\u522b\u662f\u8d37\u6b3e\u8d2d\u4e70\u65b0\u8f66\u7684\u8f66\u4e3b\u3002\u8981\u77e5\u9053\uff0c\u8fd8\u8d37\u5bf9\u4e00\u822c\u4e0a\u822c\u4e0a\u65cf\u6765\u8bf4\uff0c\u662f\u4e00\u7b14\u6bcf\u6708\u5fc5\u82b1\u7684\u4e00\u7b14\u8d39\u7528\u3002\u5982\u679c\u5728\u8fd8\u6b3e\u671f\u95f4\u53d1\u751f\u4e8b\u6545\uff0c\u8fd9\u7edd\u5bf9\u662f\u589e\u52a0\u4e86\u7ecf\u6d4e\u4e0a\u8d1f\u62c5\u3002\u56e0\u6b64\uff0c\u975e\u5e38\u5efa\u8bae\u65b0\u8f66\u8f66\u4e3b\u8d2d\u4e70\u6b64\u4fdd\u9669\u4ee5\u4fdd\u969c\u672a\u6765\u3002\u8f66\u4e3b\u53ef\u4ee5\u8fd8\u6e05\u8d37\u6b3e\u540e\uff0c\u66f4\u6362\u81f3\u5176\u4ed6\u7c7b\u578b\u7684\u4fdd\u9669\u3002\u5982\u679c\u4f60\u662f\u8d2d\u4e70\u4e8c\u624b\u8f66\uff0c\u7efc\u5408\u6027\u4fdd\u9669\u53ef\u4ee5\u6839\u636e\u81ea\u5df1\u7684\u610f\u613f\uff0c\u4e3b\u8981\u7684\u8003\u91cf\u8303\u56f4\u5c31\u662f\u8f66\u9f84\u7684\u95ee\u9898\u3002\u4e00\u822c\u4e0a\u8f66\u9f84\u8d8a\u5927\u3001\u6298\u65e7\u7387\u8d8a\u9ad8\u3002\u5c3d\u7ba1\u4fdd\u9669\u8d39\u9ad8\uff0c\u4f46\u56e0\u4e3a\u6298\u65e7\u7387\u7684\u5173\u7cfb\uff0c\u7406\u8d54\u7684\u91d1\u989d\u4e5f\u4f1a\u6bd4\u8f83\u5c11\u3002\u6bcf\u4e00\u8f86\u8f66\u5b50\u90fd\u6709\u6298\u65e7\u7387\u3002\u6298\u65e7\u7387\u4f1a\u968f\u8f66\u9f84\u3001\u91cc\u7a0b\u800c\u6539\u53d8\u3002\u8f66\u9f84\u8d8a\u5927\u6216\u662f\u91cc\u7a0b\u8d8a\u9ad8\uff0c\u6298\u65e7\u7387\u5c31\u8d8a\u9ad8\u3002\u7efc\u5408\u6027\u4fdd\u9669\u7684\u7406\u8d54\u91d1\u989d\u4e00\u822c\u90fd\u662f\u5728\u6263\u9664\u6298\u65e7\u4ef7\u503c\u540e\u7684\u8d54\u507f\u3002\u6bd4\u5982\u8bf4\uff0c\u4f60\u7684\u8f66\u5b50\u88ab\u76d7\u7a83\uff0c\u8981\u8fdb\u884c\u7406\u8d54\u3002\n\u4fdd\u9669\u516c\u53f8\n\u4f9d\u636e\u8f66\u5b50\u5728\u88ab\u76d7\u7a83\u524d\u7684\u72b6\u6001\u8fdb\u884c\u8bc4\u4f30\uff0c\u6263\u9664\u6c7d\u8f66\u7684\u6298\u65e7\u4ef7\uff0c\u7ed9\u4e88\u8d54\u507f\u3002\u5982\u679c\u4f60\u60f3\u5728\u8d2d\u4e70\u4e00\u8f86\u65b0\u8f66\uff0c\u4f60\u5c31\u5fc5\u987b\u81ea\u638f\u8170\u5305\uff0c\u652f\u4ed8\u4f59\u6b3e\u3002\u5207\u8bb0\uff0c\n\u4fdd\u9669\u516c\u53f8\n\u662f\u4ee5\u4e8b\u6545\u53d1\u751f\u524d\u7684\u72b6\u6001\u8fdb\u884c\u8bc4\u4f30\u800c\u7406\u8d54\uff0c\u5e76\u4e0d\u662f\u4ee5\u4f60\u521a\u4e70\u8f66\u5b50\u72b6\u6001\u3002\n\n\n\u5e0c\u671b\u901a\u8fc7\u4eca\u5929\u7684\u89c6\u9891\uff0c\u4f60\u5df2\u7ecf\u66f4\u4e86\u89e3\u4ec0\u4e48\u4e8b\u7efc\u5408\u6027\u4fdd\u9669\u4e86\uff01\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\n\n\nTags:\nComprehensive Coverage\n\u7efc\u5408\u6027\n\u7efc\u5408\u6027\u8f66\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/03/what-is-grant-of-probate-and-how-does-it-affect-my-will/", "title": "What Is Grant Of Probate And How Does It Affect My Will?\u00a0", "body": "Many people often believe that if a relative or close friend \nleft a will\n, that is the only document they need to handle that person\u2019s affairs. Occasionally, this is true, but often a Probate Grant is required to reach this conclusion. But what is a \nGrant of Probate\n, and why do you need one?\n\n\nWhat Is A Grant Of Probate?\n\n\nGrants of Probate are documents that confirm the \nexecutors of a will\n (the person or people responsible for carrying out the directions in the Will) have authority over the assets of a deceased person. The Grant of Letters of Administration is required if someone dies intestate (without a will) to distribute assets by intestacy laws (rules that determine who gets what when there is no will).\n\n\nWhat Is The Need For a Grant of Probate?\n\n\nMany people think that \nleaving a Will\n to their heirs is enough. Probate, however, is also required to honour the Will. Even if you have nominated an Executor in your Will, that doesn\u2019t mean that they are automatically responsible for managing your assets. \nExecutors of a will\n bear a tremendous amount of responsibility. It\u2019s their responsibility to carry out a person\u2019s last wishes who have passed on and manage assets like stocks, pensions, and bank accounts. The probate of a Will validates this responsibility and carries out your wishes. Grants of Probate are only necessary in cases where there is a Will. An individual who has passed away without having \nwritten a Will\n require a different type of grant of representation, known as a Letter of Administration. If the Estate is small, there are some circumstances in which it does not require a Grant of Representation. If you do not know which Grant of Representation applies to you, you should seek legal advice.\n\n\nProbate: How Does It Work?\n\n\nThe process begins with your nominated Executor applying for a \nGrant of Probate\n. A court can only grant the grant of probate in your local jurisdiction. After a person\u2019s death, the Executor must notify the court to apply for the Probate or Grant of Representation. Anyone who objects to the Will or the appointment of the Executor/s can do so by filing such an objection. The executor/s will then need to apply for probate. There are steps when applying for probate, which may be done on your behalf by a solicitor or trustee company.\n\n\nFiling of Probate Application should be alongside the original Will, both copies of the Death Certificate, and an affidavit of the Executor. Affidavits are legal documents setting out the details of the deceased and providing confirmation to the court to grant the probate to the affidavit maker, the Executor. Grants of Probate are generally granted within a few weeks, depending on their complexity.\n\n\nTags:\nDeath Certificate\nExecutors\nGrant of Probate\nGrant of Representation\nLetter of Administration\nProbate Grant\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/10/06/how-do-auto-insurance-companies-check-your-background/", "title": "How Do Auto Insurance Companies Check Your Background?", "body": "\n\nTaking out auto insurance is a serious \nbusiness\n; so much more goes into it than you might know. You may already be aware that \nauto insurance companies\n look into your driving history before offering you insurance. However, do you know they research your financial records and criminal history as well? Do you want to know how and why most insurers carry out this exercise? We\u2019ll be revealing it all in this video!\n\n\nHi, and thanks for joining me in today\u2019s episode! I\u2019m Fincrew brand ambassador, Stella. When taking out \ninsurance policies\n, it is often vital you understand all that goes into it. Knowing all you can about the factors \ninsurance companies\n research about you before issuing you a policy is a big part of preparing yourself for it all. That is why, this series\u2013Insurance360 Video was initiated to help vehicle owners gain a deeper understanding of how the insurance world works. Make sure you\u2019re not left out of the loop! Join our circle and get insightful information on all things insurance! All you have to do is hit that Subscribe icon and enable notifications!\n\n\nOne important thing you need to note about insurance generally and auto coverage specifically is that it is all about risk. There\u2019s the possibility that you won\u2019t end up costing your insurer more than you pay as premium. Similarly, there\u2019s also the chance your insurer will end up spending more on maintaining your policy than what you pay as premium, in which case, they lose out. That is why risk evaluation is crucial to \nauto insurance\n. It has a direct bearing on what you end up paying as your premium.\n\n\nLow Risk Equals Low Premiums, And High Risk Equals High Premiums\n\n\nTo accurately determine the level of risk offering you coverage poses, insurers will check the following about you:\n\n\n\n\nYour driving history\n\n\nYour credit and financial history, and\n\n\nYour criminal history\n\n\n\n\nYour Driving History\n\n\nThis is usually the first and fastest detail that \nauto insurance companies\n can look up when preparing to offer you coverage. It is imperative to insurers because they believe that how you drove in the past is the clearest indicator of how you\u2019re likely to drive in the future. Every auto insurer has a tool for looking into your driving history on their computer. If your history is filled with cases of filing at-fault \nclaims\n, you can expect your premium to be huge.\n\n\nYour Credit Record\n\n\nThe next thing they look over is your financial background. The primary motivation for doing this is to ascertain whether you\u2019ll be able to pay what is expected of you as a premium. To do this, many insurers will usually use the credit information you filled in when applying for the policy to get in touch with your bank.\n\n\nYour Criminal History\n\n\nCertain criminal acts are actually relevant to your \nauto insurance\n policy. For example, if you\u2019ve ever been involved in a \nhit and run\n, this might influence whether or not your insurer will extend your coverage. This is regardless of the outcome of the case. Sometimes, simple tools like search engines are more than enough to reveal a criminal record. In other cases, your insurer might reach out to the police force to request information about you.\n\n\nWe\u2019ll be revealing more on this in subsequent videos, so be sure to stay tuned! Subscribe to this channel, and don\u2019t forget to turn on notifications. See you in our next video!\n\n\nTags:\nHit And Run\nInsurance Policy\nInsurance Premiums\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/27/everything-about-long-term-personal-loans/", "title": "What You Need To Know About Long Term Personal Loans", "body": "There are so many loans available that it is hard to know which one is right for you. You may want to consider a long term loan if you want to borrow a lot of money at a lower interest rate. This loan is for home renovations, medical bills, or even to consolidate \ncredit cards\n.\n\n\nCompare and apply for the best credit cards\n\n\nWhat Is a Long Term Personal Loan?\n\n\nPersonal loans\n with long term repayment terms last for at least five years. The \nterms of most personal loans\n range from five to seven years, though some lenders offer up to 12 years. A long term loan typically has a higher interest rate than a short-term loan. Long term loans have this drawback when compared to short-term loans. Long term loans, however, offer lower monthly payments, which are easier to afford for borrowers. For example, someone applies for an RM20,000 \npersonal loan\n and receives two offers: The first one has 5% annual interest and RM461 monthly payments for a four-year term. With the second option, it is an eight-year term, the APR is 10%, and the monthly payment is RM303. The lower cost fits better into your budget, so you choose the eight-year loan. However, it is essential to note that you would pay more in interest while the monthly payments would be lower.\n\n\nCompare Personal Loan In Fincrew\n\n\nLong Term Personal Loans: When To Consider Them?\n\n\nIt would be best to think about your budget and how much you want to borrow before attempting to go for a long term personal loan. You should consider taking out a long term loan if:\n\n\nBorrowing a Large Sum Of Money Is Necessary\n\n\nYou may not have enough credit available on the card if you have medical bills, home repairs, or other significant expenses. On the other hand, you might have enough credit but won\u2019t be able to pay the balance off quickly enough to avoid super-high interest charges. \nLong term personal loans\n may allow you to borrow up to RM50,000 and repay it over five to seven years, depending on your credit history and the lender\u2019s requirements.\n\n\nA Lower Monthly Payment Is Important To You\n\n\nYour monthly payment is usually cheaper when you borrow the same amount over a longer-term than you would for a shorter-term loan. Remember, however, that long term loans will likely cost you more in the long run since you\u2019ll pay interest over a more extended period.\n\n\nThe Benefits And Drawbacks Of Long term Personal Loans\n\n\nThere are several benefits and drawbacks to taking out long term loans. \nBefore applying for a long term personal loan\n, here are a few things you need to know.\n\n\nBenefits Of Long Term Personal Loans\n\n\n\n\nThe monthly payments are often lower than those of a short-term personal loan.\n\n\nOn top of other bills and debts, it\u2019s easier for borrowers to manage long term \npersonal loans\n that allow them to borrow large amounts.\n\n\n\n\nDrawbacks Of Long term Personal Loans\n\n\n\n\nLong term loans typically have higher interest rates, which increases the total interest paid.\n\n\nA \ngood credit score\n is required.\n\n\nThere may be difficulties finding a lender who offers long term loans.\n\n\nEarly repayment may incur a prepayment penalty.\n\n\n\n\nBottom Line\n\n\nGetting a \nlong term personal loan\n can be advantageous if you need to borrow a large amount of money and wish to repay it over a long period. However, because it can be more expensive in the long run, you should consider less-expensive alternatives that you may find more suitable.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nCredit Cards\nCredit Score\nLong Term Personal Loan\nPersonal Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/03/what-happens-when-you-declare-insolvency/", "title": "What Happens When You Declare Insolvency?", "body": "To decide whether declaring \ninsolvency\n is the right solution for you, you should know what the process involves and how expressing it will affect you. \nInsolvency\n means your business will cease to trade, and your limited company will liquidate. Sole traders and partnerships risk going bankrupt and losing their assets, such as their homes. The \ninsolvency\n process varies from person to person, depending on their unique circumstances and the best \ninsolvency service\n to match them.\n\n\nWhat Is Insolvency?\n\n\nAn individual or company becomes insolvent when it cannot meet its financial obligations to its lenders. As an insolvent company or individual approaches insolvency proceedings, they are likely to engage in informal arrangements with creditors, such as setting up alternative payment arrangements. Reduced cash inflow, increased expenses, or poor cash management may lead to insolvency.\n\n\nUnderstanding Insolvency\n\n\nInsolvency occurs when a business or individual is unable to pay their bills. If a person or entity becomes insolvent, take action to court, and sell assets to pay off balances. Creditors can be contacted by \nbusiness\n owners and restructured into more manageable installments. If the creditor gets repaid, they will accept this approach even if the repayment is on a delayed schedule. Business owners who want to restructure their debt put together a realistic plan that demonstrates how they can reduce overhead and continue running the company. This plan details how the debt is restructured based on cost reductions or other programs for support. The proposal shows creditors how the business can generate enough cash flow to profitably while paying its debts.\n\n\nWhat Happens When Limited Companies And LLPs Declare Insolvency\n\n\nSuppose a limited company (or a limited liability partnership, known as an LLP). It will either enter liquidation and stop trading or be placed in administration and sold (possibly to another owner). The outcome may be a voluntary arrangement between the company and the employee. When a company is placed into liquidation or administration, notify the Insolvency Service. In some cases, the directors may be prohibited from directing the company for 15 years. This sort of scenario, however, is rare. Directors and shareholders can also refund dividends and overdrawn directors\u2019 \nloan\n accounts. Additionally, if the business becomes insolvent, directors or a \nthird party\n may be liable for personal guarantees given to the company\u2019s creditors. Typically, the bank offers guarantees for \nloans to businesses\n or overdrafts.\n\n\nWhat Happens When Sole Traders And Partnerships Declare Insolvency\n\n\nIf a sole trader or partnership is not an LLP, the business owners are liable for the debts and may sell their assets to repay the debts. Business debts include suppliers, HM Revenue and Customs, faulty work owed to customers, and anyone else owed money by the business. Additionally, bankrupted business owners may be subject to bankruptcy restriction orders (\u201cBROs\u201d) if they have misbehaved while running the business. These BRO actions are taken by the \nInsolvency Service\n against bankrupt sole traders and partners. Getting advice about your options early on is a good idea. An Individual Voluntary Arrangement is an excellent way to avoid personal bankruptcy.\n\n\nFinal Thought\n\n\nYou should seek legal counsel if you have any questions about what happens when you are declared insolvent.\n\n\nTags:\nBankruptcy\nIndividual Voluntary Arrangement\nInsolvency\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/21/someone-scratched-my-car-can-i-claim-the-insurance/", "title": "Someone Scratched My Car, Can I Claim The Insurance?", "body": "\n\nSome things can put a damper on your day faster than discovering that your car has been scratched or dented. It\u2019s terrible. But, the worst has happened, and it\u2019s time to start looking at advanced options forward. You have \ninsurance\n, so can you file a \nclaim\n for repairing your car\u2019s precious paint job and bodywork? The good news is you can reach out to your insurer and request a payout. There are a couple of things you would do well to know before taking this step, though. Find out what these are now!\n\n\n\n\nAre you better off consulting your insurer over this type of damage?\n\n\nWhat should you expect moving forward?\n\n\n\n\nWhat\u2019s more, the type of insurance policy you\u2019re operating and the exact way that the scratch occurred also matters a lot.\n\nTo start with, if you are operating the primary \nThird Party insurance policy\n, you have no grounds to file any \nclaim\n for a payout as the coverage doesn\u2019t extend to repairing your car under any circumstance.\n\n\nIf you\u2019re operating a \nThird Party\n, Fire, and Theft policy, you may \nfile a claim\n for payout. However, the condition under which the scratch occurred matters a great deal. For example, if your vehicle was scratched due to a collision, a \nThird Party\n, Fire, and Theft coverage won\u2019t payout for repairs. However, if it occurred due to vandalism or theft, you would be asked to reimburse for the damage.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nWith \ncomprehensive\n coverage, aside from covering you for scratches occurring due to theft or vandalism, you can also \nfile a claim\n even if the ding happened due to an accident. Now, whether you are using a Third Party, Fire, and Theft or Comprehensive policy, you would need to pay a deductible first before your insurer covers the rest of the cost for you. For this reason, it\u2019s always advisable to think carefully about whether you would be served when handling the repairs yourself or if consulting your insurer is a better alternative.\n\n\nTags:\nComprehensive Coverage\nFire and Theft Cover\nInsurance Claims\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/23/best-term-length-for-a-personal-loan/", "title": "Best Term Length For a Personal Loan", "body": "Many people are considering personal loans due to the economic uncertainty in the country. However, if you need a loan to cover your current expenses, you should pay attention to the total cost of the loan and how long the \nloan term\n is. The loan length refers to how long you have to repay it. In general, personal loans are in fixed monthly payments, but the exact time you take to pay off the loan depends on you. In addition, personal loans have a range of terms, which affect the amount of your monthly payment and the amount you pay in interest over the loan\u2019s lifetime. Here\u2019s what you \nneed to know\n to pick a \nloan term\n right for you.\n\n\nChoosing a Personal Loan Term Length\n\n\nThe term length of a \npersonal loan\n refers to the amount of time it will take you to repay the loan. There are personal loans with terms ranging from 12 to 60 months, and sometimes even longer. Lower monthly payments are associated with longer-term but higher interest costs. Therefore, you should keep your loan costs down by selecting the shortest term possible while still keeping your monthly payments manageable. Term length isn\u2019t the only factor when applying for a \npersonal loan\n. Here are some other things to consider:\n\n\n\n\nInterest rate: An annual percentage rate (APR) is the interest rate of a personal loan; it also includes fees and other costs. In other words, a higher APR means that the \nloan\n will cost you more, so you should go for the lowest interest rate you can find. Online lenders typically publish interest rates for personal loans, so comparing various sites is easy.\n\n\nFees: When lenders issue personal loans, they typically charge fees in addition to interest. Depending on the setting, either they will be added to your loan balance or deducted from what you receive; the prices will be in the APR.\n\n\nFunding time: How quickly will you be able to obtain your funds once approved for a loan? It depends on several factors. Payouts from online lenders usually occur quickly, with some offering same-day deposits. Loan applications and disbursement take longer with banks and credit unions so you may wait a few weeks.\n\n\nExtras: Find out what special incentives or other ways you can lower your interest rate or fees your lender may offer. You can get a discount from lenders if you apply online or set up automatic payments. Others can reduce your interest rate if your \ncredit score\n increases or you make on-time payments for a set period.\n\n\n\n\nCompare Personal Loan In Fincrew\n\n\nFinal Thought\n\n\nThe length of your loan can affect how much you pay each month and how much interest you\u2019ll pay overall over the term. It would be best to remember this. However, that term length isn\u2019t the only factor to consider when \ncomparing personal loans\n. You can also choose your lender based on your debt-to-income ratio, credit score, and how much you want to borrow. Therefore, if you\u2019re considering a personal loan, you should check your credit score and improve it. It will help you get the loan you need and help you get the \nbest loan terms\n.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nAnnual Percentage Rate\nDebt-To-Income Ratio\nLoan Term\nLong Term Personal Loan\nPersonal Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/02/06/kenapa-syarikat-insurans-menaikkan-kadar-insurans-saya/", "title": "Kenapa Syarikat Insurans Menaikkan Kadar Insurans Saya?", "body": "\n\nMungkin anda telah bersama agak lama dengan syarikat insurans auto ini dan segalanya kelihatan hebat. Anda tidak menghadapi sebarang masalah dari aspek komunikasi dan apabila berlaku masalah, mereka akan segera menjalankan tanggungjawab mereka. Tiba-tiba anda mendapati bahawa \nkadar insurans\n kenderaan anda telah meningkat secara mendadak! Apakah yang telah berlaku? Adakah apa-apa yang boleh anda lakukan mengenai hal ini? Bagaimana untuk memutuskan \nsyarikat insurans\n yang ideal untuk kereta anda?\n\n\nWalaupun beberapa faktor boleh menyebabkan \nkadar insurans\n anda meningkat tanpa sebarang amaran, berikut merupakan penyebab paling biasa:\n\n\nPenyebab #1 \u2013 Memberikan Maklumat Yang Tidak Tepat Dalam Permohonan Polisi Anda\n\n\nBeberapa akibat yang lebih serius mungkin berlaku kerana pengisian maklumat yang tidak tepat pada borang permohonan insurans anda. Sebagai tambahan, kemungkinan pelindungan anda akan ditarik sepenuhnya. Ini boleh menyebabkan peningkatan harga premium anda. Sebagai contoh, katakan anda memiliki Mazda CX 2016, tapi secara sedar anda mengemukakan Mazda CX 2014. Anda mungkin akan menikmati kadar yang lebih murah yang diberikan kepada model lama sehinggalah \nsyarikat insurans\n menyedari kesilapan ini. Ini akan menyebabkan mereka segera menilai semula kadar insurans anda dengan segera.\n\n\nPenyebab #2 \u2013 Anda Berpindah\n\n\nAnda mungkin akan terkejut apabila mengetahui apa yang anda bayar sebagai insurans kenderaan boleh berubah secara drastik dari satu negeri dengan negeri yang lain. Salah satu sebabnya adalah statistik lalu lintas yang berbeza-beza bagi setiap negeri. Semakin bertambah populasi, semakin tinggi risiko \nkemalangan\n yang berkaitan dengannya. Jadi, jika anda baru berpindah ke lokasi bandar atau komersial, mungkin disebabkan itulah anda terpaksa membayar lebih untuk pelindungan anda.\n\n\nPenyebab #3 Anda Baru Sahaja Mengalami Kemalangan atau Melakukan Kesalahan Lalu Lintas\n\n\nSekiranya baru-baru ini anda terlibat dalam kemalangan dan terbukti bersalah, maka anda telah memberikan sebab untuk kenaikan kadar insurans anda. Dalam \ninsurans kenderaan\n, anda dianggap berisiko tinggi jika anda kerap membuat tuntutan. Perkara yang sama berlaku jika anda ditangkap dengan kesalahan trafik seperti melebihi had laju atau memandu di bawah pengaruh. Insurans anda akan menafsirkan ini sebagai peningkatan liabiliti dan mengkaji apa yang anda bayar untuk pelindungan sebagai pampasan untuk mengimbangi perkembangan terbaru ini.\n\n\nPenyebab #4 \u2013 Diskaun atau Bonus Anda Sudah Tidak Sah\n\n\nDiskaun memainkan peranan yang besar dalam mengurangkan apa yang perlu anda bayar untuk insurans auto. Jadi, jika anda kehilangan satu ciri diskaun atau lebih, premium anda mungkin akan meningkat.\n\n\nTags:\nDiskaun Insurans\nInsurans Auto\nInsurans Kenderaan\nKadar Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/07/17/how-long-does-it-take-to-process-an-insurance-claim-for-a-stolen-car/", "title": "How Long Does It Take To Process An Insurance Claim For a Stolen Car?", "body": "Your car got stolen in Malaysia, and now, \u201cOh my god, more paperwork and bureaucracy \u2013 it\u2019s going to be a nightmare.\u201d But don\u2019t worry; we\u2019re here to guide you through the process and make it as painless as possible.\n\n\nSteps to File for an Insurance Claim for a Stolen Car\n\n\nSuppose you are in the unfortunate situation of having your car stolen in Malaysia. In that case, you must follow the correct steps to process your insurance as quickly and efficiently as possible. Sometimes, It may take weeks or even months to finalize your claim.\n\n\nReport To The Police\n\n\nFirst, you should inform the police immediately. In most cases, you must file a police report at your closest police station. Bring any relevant documents that may be relevant to the claim, such as the registration papers for your vehicle and your insurance policy, with you to your appointment.\n\n\nNotify Your Insurer\n\n\nNext, contact your \ninsurance company\n after notifying the police. You can usually call their customer service department or visit one of their branches. As part of this process, you must provide details regarding the \ntheft\n, such as your car\u2019s make, model, location, and time. You will be notified by your insurance company when the assessment starts for your claim. An investigation may be necessary, which may take several days or even weeks. As you go through the process, you should be patient and provide any additional information your insurance company may request. Your insurance company will decide on the completion of the investigation. There will typically be a deductible before your insurance company covers the rest. You must pay a set amount before your insurance company covers any remaining costs.\n\n\nIn summary, here are additional points to remember when filing an \ninsurance claim\n for a stolen car in Malaysia:\n\n\n\n\nBe sure to gather all the necessary documents before filing your claim. Prepare police reports, vehicle registrations, \ninsurance\n policies, and other relevant documentation. Speed up the process by having these documents available.\n\n\nEnsure you keep track of every communication you have with your insurance company. Any correspondence, including phone calls, emails, and letters, can be included. If any disputes or misunderstandings arise later, this will be helpful.\n\n\nWhile processing your claim, you may be required to submit additional documentation or information. This information can include details about the theft, such as the time and location of the incident.\n\n\nIf someone stole your car in Malaysia, your \ninsurance claim\n might include protection against no-claim discounts (NCDs). Insurance companies provide \nNCDs\n to policyholders if they have not made any claims over the past year. Depending on the company, a premium refund is usually between 30 and 50 percent.\n\n\nPrepare for a possible denial. The \ninsurance company\n may determine that your negligence caused the theft or that you failed to comply with specific policy requirements. Depending on the circumstances, you may need legal assistance.\n\n\nLastly, once your car is recovered or found by the police, you must inform your \ninsurance company\n immediately. You\u2019ll need further documentation for the claim settlement process to proceed.\n\n\n\n\nFinal Thought\n\n\nClaim processing times in Malaysia vary depending on the insurer and the complexity of the claim. Once all the required documents are submitted, a claim usually takes 2-4 weeks to be processed. Generally, processing a claim can take some time, but if you are patient and follow the proper steps, your lawsuit will be processed faster. So there you go. Even though it\u2019s not the most exciting, you\u2019ll have some extra cash for a new (or used) ride. Wishing you safe and enjoyable driving!\n\n\nTags:\nAuto Insurance\nInsurance Claims\nNo Claim Discount (NCD)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/09/14/do-car-insurance-have-maturity-benefit/", "title": "Do Car Insurance Have Maturity Benefit?", "body": "Someone might have told you that they agreed on a life insurance policy that includes a \nmaturity benefit\n. The idea of this benefit sounded nice, and now you are wondering if you can use it for your car insurance deal. Before we answer that question, here is a basic overview of the \nmaturity benefit\n!\n\n\nWhat Is a Maturity Benefit?\n\n\nIf you sign an \ninsurance policy\n, it will be valid for a specific period. During that time, you are required to pay the premiums, and the \ninsurance company\n needs to honor their part of the deal by following the terms of the signed contract. A maturity benefit is a guaranteed payment of the insurance company to the policy user once the contract reaches \u201cmaturity.\u201d This term marks that the validation period of the policy expired. For example, you\u2019ve signed a life insurance policy for 12 years. Over those 12 years, you need to pay the premiums regularly. Once that time expires, you will be eligible for a guaranteed payout. The payment usually includes the premiums plus an added bonus.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nCan a Car Insurance Policy Have a Maturity Benefit?\n\n\nNo, car \ninsurance policies\n do not come with a maturity benefit. Instead, once the term expires, the policy will lapse. That means your rights to a \nclaim\n will expire and you will need to renew the policy or sign a new one.\n\n\nWhat Are Some Benefits Provided by a Car Insurance Policy?\n\n\nWhile you might not have the right to a maturity benefit, there are other advantages that a \ncar insurance\n policy\n brings. Here is what you might expect once you sign a deal.\n\n\nFinancial Protection\n\n\nThe essential benefit of a \ncar insurance policy\n is financial protection. Depending on the extent of your cover, it could include:\n\n\n\n\nThird-party bodily injury and death claim \u2013 Any injury of the persons outside of your vehicle that participated in the same \nroad accident\n as you.\n\n\nThird-party property damage \u2013 If other vehicles or someone else\u2019s property have been damaged in the road accident in which you participated.\n\n\nTheft\n and fire \u2013 This coverage will protect you against someone stealing your vehicle or it getting on fire accidentally.\n\n\nOwn damage claims\n \u2013 It can be no-fault or regular damage claim, but it needs to refer to your vehicle that participated in the accident.\n\n\n\n\nYou also have add-ons that could cover your windscreen, secure \ncompensation for assessed repair time\n, or offer coverage if a flood happens.\n\n\nPeace of Mind\n\n\nWhile you should always be driving responsibly, the fact that you have a \ncar insurance\n policy will offer peace of mind. If your vehicle gets damaged through no fault of your own, you can rest assured that the insurance company will cover the expenses. That means you don\u2019t have to worry about entering a rough financial patch because of a small accident that you couldn\u2019t have avoided.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nA No Claim Discount\n\n\nDepending on the agency, \nNCD\n benefit might also be called a \nNo Claim Bonus\n (NCB). The purpose of this discount is to secure better \npolicy rates\n for responsible drivers. If you don\u2019t file a claim during the last year and you don\u2019t have any claim against the insurer made by a third party, you will be eligible for a discount. The discount varies from one agency to another but usually increases with time. In the second year of your deal, the premium might be a tempting 25%. After the fifth year, it could increase by over 50% for private vehicles. \nCommercial vehicles\n have a lower discount, but they can still go to 25%. All these percentages are quite tempting and should motivate policy owners to drive responsibly.\n\n\nTags:\nFire and Theft Cover\nInsurance Policy\nMaturity Benefit\nNo Claim Discount (NCD)\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/05/19/cost-on-your-car-insurance-policy/", "title": "Cost On Your Car Insurance Policy", "body": "Even though virtually every driver in Malaysia has to deal with automobile insurance to a larger or lesser extent, that little fact doesn\u2019t make it any less confusing or disconcerting at times. The truth remains that unless you already deal with the world of insurance or you have a real passion for things like that, the inner workings of your car insurance policy will remain a mystery for the most part. Approaching your \nautomobile insurance\n this way certainly helps you worry less since you don\u2019t have to go through the rigor of decoding insurance lingo. However, the downside to this approach is that because you don\u2019t understand what you\u2019re dealing with, you can\u2019t make improvements where you should. Consequently, even doing little things like learning how to properly gauge your coverage and cost can change your entire orientation on \nautomobile insurance\n. So how do you get on this? Let us show you!\n\n\nJoin Fincrew Official Telegram Channel\n\n\nVariables To Consider\n\n\nIn the process of weighing your coverage and cost, many factors come into play. These elements influence your \ncar insurance policy\n to vary degrees. Knowing these components can help you in making very informed decisions where your \ncar insurance policy\n is concerned. Some of these factors include:\n\n\nYour Location\n\n\nThe traffic you\u2019re exposed to is a primary factor here. Depending on where you are and the type of traffic associated with the area, you may have to pay significantly more or less for the coverage you get. If you find yourself traversing routes with a high percentage of accidents, you can expect that detail to factor into the premium you\u2019ll pay.\n\n\nEngine Power\n\n\nThis is also another major determinant. The engine power or cubic capacity your car possesses in tandem with its location of operation also weighs in here.\n\n\nYour Vehicle\u2019s Value\n\n\nIt stands to reason that the more expensive your vehicle is, the more costly the repairs of the vehicle are likely to be. Understandably, this fact reflects directly on what you pay as your premium. Owing to this, your \ninsurance company\n won\u2019t want to run at a loss while providing coverage for you. Therefore, the costs of maintaining that policy are almost guaranteed to be higher.\n\n\nYour NCD (No-Claim Discount)\n\n\nWhen you first take out an \ninsurance policy\n on your vehicle, there\u2019s a section, the No-Claim Discount. In essence, what the \nNCD\n represents is a reward of sorts. As the name suggests, you get a discount on how much you pay for your insurance if you don\u2019t \nfile a claim\n for payout or compensation during the validity period of your insurance. Long story short, this discount starts at 25% for the first year. If you can go accident-free for up to 5 years, this discount policy can rise as high as 55%! In many ways, this is one of the most significant factors that influence how much you pay for \ninsurance premium\n.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWant To Reduce What You Pay For Insurance?\n\n\nIf you want to get better offers on \nvehicle insurance\n, consider renewing your \ninsurance online\n. The abundance of bonuses and discounts most platforms\u2019 rewards ensure you get quality coverage for significantly lesser. Another step you could also take is gunning specifically for policies that meet your needs perfectly. If you need comprehensive coverage, go for it, and if it\u2019s \nThird Party\n, Fire and Theft, then take just that. So go through your options carefully before making any final decisions.\n\n\nTags:\nCar Insurance\nCoverage\nFire and Theft Cover\nNo Claim Discount (NCD)\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/09/17/comprehensive-policy-in-car-insurance/", "title": "Comprehensive Policy In Car Insurance", "body": "A \ncomprehensive\n car insurance policy is one of the most desired types of auto insurance policies. This policy covers third-party liabilities and losses and covers for own damages. Any unexpected events such as an accident, fire, theft, or natural disaster are covered.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nIs Comprehensive Insurance Always More Expensive Than Other Policy Types?\n\n\nIf your thought was that a \ncomprehensive\n policy is always more expensive than the third-party only cover, or third-party, fire and \ntheft\n, well, you can be forgiven. Though most times it\u2019s more expensive, not always. When comparing policies, it\u2019s worthwhile checking the differences in price between comprehensive and other policies. Sometimes you will realize that a \ncomprehensive insurance policy\n is as cheap as a third-party policy. You probably do not need to compromise on your best cover to save a few pounds.\n\n\nBut How Is It Possible That Comprehensive Cover Is Sometimes Cheaper?\n\n\nIt is because a lot of high-risk drivers lean towards third-party coverage as a way of reducing their insurance costs. As such, the data begin to tilt towards a higher number of \nclaims\n on third-party policies. The implication of this is that the overall cost of the third-party policy goes up. That\u2019s why it\u2019s crucial to check the \nprice of all policies\n, just in case before taking any final decision.\n\n\nBenefits Of Purchasing Comprehensive Auto Insurance\n\n\nA \ncomprehensive car insurance\n policy safeguards you and your vehicle from any unexpected incident except collision. It also covers losses suffered in an accident. Other benefits of comprehensive coverage include:\n\n\n\n\nComprehensive coverage is the peak of protection you can give yourself and your car.\n\n\nIf you are at fault in an accident, you may claim incurred losses in such situations with a comprehensive policy.\n\n\nThe policy also covers lawsuits brought against you, including legal fees resulting from an accident.\n\n\nThe coverage is the best to give you peace of mind and financial protection.\n\n\nIt even offers financial aid if your car has been written off.\n\n\n\n\nWhat Does Comprehensive Insurance Cover?\n\n\nTo avoid any confusion, it is much better to have a complete handle of the inclusions and exclusions referenced in your vehicle \ninsurance\n policy. For that, you should peruse it carefully. By and large, you won\u2019t have to stress over the following, as they will be covered under your \ncomprehensive car insurance\n:\n\n\n\n\nNatural disasters or severe weather damages\n\n\nFire\n\n\nTheft\n\n\nSabotage\n\n\nThird-party damage\n\n\nFalling objects such as \ntrees damage\n\n\nDamage or destruction caused by an act of civil disturbance such as insurgences\n\n\n\n\nWhat Does Comprehensive Insurance Not Cover?\n\n\nIf your car suffers damage due to a collision, you can\u2019t make a car insurance claim except you have a comprehensive policy. In the same vein, there are a lot of other things that are excluded from comprehensive car insurance that you should know:\n\n\n\n\nDepreciation\n\n\nWear and tear of your car\n\n\nBreakdown as a result of electrical or mechanical\n\n\nDamage caused by an individual without a valid driver\u2019s license\n\n\nDamage caused by an individual \ndriving under the influence\n of alcohol or drugs\n\n\nDamage to tires and tubes.\n\n\nDamage caused by violence, war, insurgence, or nuclear risk\n\n\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nTags:\nCar Insurance\nComprehensive Coverage\nInsurance Claims\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/10/24/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%84%e8%b5%94%e5%81%bf%e6%ad%a5%e9%aa%a4/", "title": "\u6c7d\u8f66\u4fdd\u9669\u7684\u8d54\u507f\u6b65\u9aa4", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, 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\u8fd9\u4e9b\u6587\u4ef6\u90fd\u5c5e\u4e8e\u57fa\u672c\u5448\u4ea4\u6587\u4ef6\u3002\n\n\n\n\n\u8bb0\u5f97\uff0c\u4e00\u5b9a\u8981\u572824\u5c0f\u65f6\u5185\u901a\u77e5\n\u4fdd\u9669\u516c\u53f8\n\u548c\u62a5\u8b66\uff0c \u4e5f\u5728\u6700\u5feb\u7684\u65f6\u95f4\u5185\u5448\u4ea4\u6240\u9700\u6587\u4ef6\u3002\u4e00\u65e6\u9519\u8fc7\u8fd9\u4e2a\u9ec4\u91d1\u65f6\u95f4\uff0c\u4f60\u5f88\u6709\u53ef\u80fd\u65e0\u6cd5\u83b7\u5f97\n\u8d54\u507f\n\u91d1\u3002\u5e0c\u671b\u901a\u8fc7\u4eca\u5929\u7684\u89c6\u9891\uff0c\u4f60\u5df2\u7ecf\u4e86\u89e3\u66f4\u591a\u8f66\u9669\u7684\u54a8\u8be2\u3002\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\n\u4fdd\u9669\n\u4fdd\u9669\u516c\u53f8\n\u6c7d\u8f66\u4fdd\u9669\n\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\n\u8d54\u507f\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/02/17/%e6%b2%a1%e6%9c%89%e9%a9%be%e7%85%a7%e5%8f%af%e4%bb%a5%e4%b9%b0%e8%bd%a6%e9%99%a9%e5%90%97/", "title": "\u6ca1\u6709\u9a7e\u7167\uff0c\u53ef\u4ee5\u4e70\u8f66\u9669\u5417\uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\n\u6ca1\u6709\u9a7e\u7167\n\u5e76\u4e0d\u4f1a\u5f71\u54cd\u4f60\u4e3a\u4f60\u7684\u8f66\u4e70\u8f66\u9669\uff0c\u4f46\u662f\n\u6ca1\u6709\u9a7e\u7167\n\u7684\u4f60\u5374\u4e00\u5b9a\u4e0d\u80fd\u5f00\u8f66\uff01\u56e0\u4e3a\u4e00\u65e6\u53d1\u751f\u4e8b\u6545\uff0c\u7ecf\u8fc7\u8c03\u67e5\u540e\u53d1\u73b0\uff0c\u5982\u679c\u4f60\u662f\u65e0\u9a7e\u7167\u9a7e\u9a76\uff0c\u4f60\u5c31\u5df2\u7ecf\u89e6\u72af\u6cd5\u5f8b\u548c\u65e0\u6cd5\u5411\u4fdd\u9669\u516c\u53f8\u505a\u51fa\u4efb\u4f55\u7406\u8d54\u4e86\u3002\n\n\n\u90a3\u4e48\u662f\u4ec0\u4e48\u539f\u56e0\u4f1a\u8ba9\u6ca1\u6709\u9a7e\u7167\u7684\u4f60\u8d2d\u4e70\u8f66\u9669\u5462\uff1f\n\n\n\u9996\u5148\uff0c \u867d\u7136\u4f60\u6ca1\u6709\u9a7e\u7167\uff0c\u4f46\u662f\u4f60\u53ef\u80fd\u6709\u96c7\u4f63\u7684\u53f8\u673a\u6216\u662f\u6709\u5bb6\u4eba\u63a5\u9001\u3002\u56e0\u6b64\uff0c \u5728\u8d2d\u4e70\u6c7d\u8f66\u540e\uff0c \u4f60\u4e5f\u53ef\u4ee5\u5411\u4fdd\u9669\u516c\u53f8\n\u8d2d\u4e70\u8f66\u9669\n\u3002 \u56e0\u4e3a\u4f60\u6ca1\u6709\u9a7e\u7167\u5173\u7cfb\uff0c\u6240\u4ee5\u5728\u5448\u4ea4\u4fdd\u9669\u7684\u8d44\u6599\u4e0a\u8bb0\u5f97\u586b\u5199\u4e3b\u8981\u9a7e\u9a76\u8005\u7684\u8d44\u6599\uff0c \u4ee5\u786e\u4fdd\u4f60\u4e70\u7684\u4fdd\u9669\u8986\u76d6\u8303\u56f4\u5305\u62ec\u4f60\u7684\u8f66\u548c\u4e3b\u8981\u9a7e\u9a76\u8005\u3002\u5176\u6b21\uff0c \u4f60\u53ef\u80fd\u662f\u4e3a\u4e86\u521a\u83b7\u9a7e\u7167\u7684\u5b69\u5b50\n\u8d2d\u4e70\u8f66\u9669\n\u3002 \u6709\u4e9b\u7236\u6bcd\u5f88\u6709\u53ef\u80fd\u5df2\u7ecf\u4e3a\u4ed6\u4eec\u521a\u62ff\u5230\u9a7e\u7167\u7684\u5b69\u5b50\u4e70\u4e86\u8f66\uff0c \u540c\u65f6\u4e5f\u4e3a\u4ed6\u4eec\u4e70\u4e86\u8f66\u9669\u3002\u8fd9\u662f\u4e00\u4e2a\u5e38\u89c1\u7684\u7684\u73b0\u8c61\uff0c\u7236\u6bcd\u5f88\u5e38\u4e3a\u7ecf\u6d4e\u672a\u72ec\u7acb\u7684\u7684\u5b69\u5b50\u6295\u4fdd\u4ee5\u786e\u4fdd\u7684\u4ed6\u4eec\u53d1\u751f\u4e8b\u6545\u540e\uff0c\u5f97\u5230\u4fdd\u969c\u3002\u518d\u6765\uff0c \u4f60\u53ef\u80fd\u62e5\u6709\u590d\u53e4\u8f66\u3002 \u4e00\u822c\u4e0a\uff0c\u590d\u53e4\u8f66\u906d\u76d7\u7a83\u7684\u53ef\u80fd\u6027\u6bd4\u8f83\u9ad8\uff0c\u6240\u4ee5\u8f66\u4e3b\u90fd\u4f1a\u4e3a\u8f66\u5b50\u4e70\u4fdd\u9669\u3002\u6b64\u5916\uff0c \u590d\u53e4\u8f66\u7684\u4fee\u7406\u8d39\u4e5f\u4f1a\u6bd4\u4e00\u822c\u6c7d\u8f66\u6765\u7684\u9ad8\uff0c\u56e0\u4e3a\u590d\u53e4\u8f66\u7684\u96f6\u4ef6\u53ef\u80fd\u6bd4\u8f83\u5c11\u6709\u6216\u662f\u505c\u4ea7\u4e86\u3002\n\n\n\u603b\u4e4b\u65e0\u8bba\u4f60\u662f\u4e3a\u4e86\u4ec0\u4e48\u539f\u56e0\n\u8d2d\u4e70\u8f66\u9669\n\uff0c\u8bf7\u4e00\u5b9a\u8981\u8bb0\u5f97\uff0c\u6ca1\u6709\u9a7e\u7167\u7684\u4eba\u3001\u6ca1\u6709\u8f66\u9669\u7684\u8f66\u662f\u4e0d\u80fd\u5728\u516c\u8def\u4e0a\u884c\u9a76\u3002\u5982\u679c\u8d2d\u4e70\u4e86\u8f66\uff0c\u60f3\u8981\u5728\u516c\u8def\u4e0a\u884c\u9a76\uff0c\u5c31\u4e00\u5b9a\u8981\u6709\u8f66\u9669\u3002\u5982\u679c\u6ca1\u6709\u9a7e\u7167\u7684\u8bdd\uff0c\u4f60\u53ef\u4ee5\u627e\u6709\u9a7e\u7167\u7684\u4eba\u4ee3\u9a7e\u3002\u5e0c\u671b\u901a\u8fc7\u4eca\u5929\u89c6\u9891\uff0c\u4f60\u5df2\u7ecf\u4e86\u89e3\u8981\u66f4\u591a\u8f66\u9669\u7684\u54a8\u8be2\u3002\n\n\n\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\n\u4fdd\u9669\u516c\u53f8\n\u8f66\u9669\n\u9a7e\u7167\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/08/22/how-is-the-value-of-a-stolen-car-determined-by-insurance/", "title": "How Is The Value Of a Stolen Car Determined By Insurance", "body": "It looks like someone stole the car, and the owner wonders how their insurance company will value it. There\u2019s no need to worry; I\u2019ve got you covered. Let\u2019s start with some basics about Malaysian car insurance. In Malaysia, you will find that most \ncar insurance policies\n have what is called a \u201cmarket value\u201d clause, which means that in the event of a total loss (such as a vehicle theft), the insurance company will only compensate you for the current market value of the vehicle at the moment the failure occurs.\n\n\nHow does the insurance company develop a figure for the market value of a stolen vehicle? The deal will usually be determined using a few different methods.\n\n\nFactors Insurance Companies Consider To Come Up With a Value For a Stolen Car\n\n\n\u00a0\n\n\nThey Will Check The Original Cost Of The Car\n\n\nThey\u2019ll first look at the car\u2019s original purchase price. It will provide a baseline value for them to work with. It\u2019s important to remember that your car\u2019s value isn\u2019t determined solely by what you paid for it. Over time, cars depreciate, so that the \ninsurance company\n will consider that.\n\n\nThey Will Check The Current Market Cost Of Similar Car\n\n\nTheir next step will be to analyze the market conditions for similar vehicles. Based on this information, they will determine the value of the stolen car by comparing it with other vehicles currently on the market.\n\n\nThe Vehicle\u2019s Market Value At The Time Of Theft\n\n\nIt is important to remember that insurance companies generally only pay out the car\u2019s market value when the theft occurs. It means that if your vehicle has some unique features or is a classic, they may not consider it. It\u2019s essential to document any upgrades or special features you\u2019ve made to your car and any certificates or appraisals. They will consider Outstanding \nLoans\n and Leases. Furthermore, \ninsurance companies\n will also consider any outstanding loans or leases on the vehicle. As a result, your insurance company will likely deduct from your payout the amount you still owe on your car when it\u2019s stolen.\n\n\nDeductibles\n\n\nFurthermore, some insurance policies in Malaysia will require you to pay a \u201c\ndeductible\n\u201d to cover the remainder of the loss, so you should keep that in mind when purchasing your insurance policy. The deductible is the price you must pay out-of-pocket before your insurance company begins to spend the rest of your loss on your behalf. So, for example, if you have a car \ninsurance policy\n with an RM500 deductible, and your stolen car is worth RM10,000, you will have to pay the first RM500 before the insurance company covers the remaining RM9,500 of the claim.\n\n\nConsult Industry Guides\n\n\nTo determine the value of a \nstolen car\n, they may also consult industry guides, such as the Malaysia Automobile Association (MAA). In these guides, you will typically find information on the market values for various make and model car types. As far as the insurance company is concerned, they tend to pay less than the vehicle\u2019s current market value. Even if you get less than expected, you\u2019ll have some money for a new car.\n\n\nFinal Thought\n\n\nIn Malaysia, your insurer will determine the value of your \nstolen car\n based on the original purchase price, current market conditions for similar vehicles, and industry guides. However, you shouldn\u2019t be surprised if it fails to meet your expectations. It is also vital to know the \nclaim\n process. Whenever you make a claim, you should have all the necessary documents, such as the police report, proof of ownership, and \ninsurance policy\n. Taking care of a claim can take several weeks or months and is time-consuming.\n\n\nMake sure you choose the best policy based on your research and learn what is covered and what is not. Always remember that the best thing you can do is prevent damage from happening in the first place, so please Stay Safe!\n\n\nTags:\nMalaysia Automobile Association\nMarket Value\nStolen Car\nTheft Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/01/08/kereta-anda-dilanggar-oleh-motosikal/", "title": "Kereta Anda Dilanggar Oleh Motosikal", "body": "Jalan raya bukan hanya digunakan oleh pemandu \nkereta\n sahaja. Ia turut dikongsi dengan kenderaan lain seperti motosikal, lori, bas dan sebagainya. Kemalangan pula boleh melibatkan pelbagai jenis kenderaan seperti \nkereta\n bertembung dengan kereta atau mungkin juga kereta bertembung dengan motosikal. Selalunya dalam kes kemalangan yang melibatkan motosikal dan kereta, pemandu kereta yang sering dipersalahkan. Mungkin kerana alasan kereta lebih besar dari motosikal jadi, pemandu yang harus berhati-hati. Sekiranya anda, pemilik kereta mengalami kemalangan dengan motosikal, pastikan anda faham dengan situasi yang anda sedang alami bagi memudahkan anda mengambil langkah-langkah yang perlu.\n\n\n\n\n1. Tahu Siapa Yang Bersalah\n\n\nSekiranya anda memang yakin anda bukan punca berlakunya kemalangan tersebut, sebagai contoh, motosikal tersebut yang menyelit terlalu rapat, anda boleh sahaja membawa kes tersebut ke mahkamah. Pastikan anda memaklumkan kepada \nsyarikat insurans\n tentang kes saman ini kerana polisi insurans anda boleh menanggung kos unfang-undang sehingga RM2,000. Tetapi, jika jumlah kerosakan yang dialami adalah terlalu sikit, mungkin tidak berbaloi untuk anda sehingga terpaksa meminta cuti bagi naik turun mahkamah.\n\n\n2. Buat Tuntutan Insurans Terhadap Penunggang Motosikal Tersebut\n\n\nJika polis pun bersetuju bahawa anda tidak bersalah, anda boleh membuat \ntuntutan insurans\n terhadap penanggung insurans penunggang motosikal terbabit. Ramai yang tidak tahu bahawa mereka boleh membuat tuntutan insurans sekiranya mengalami kemalangan dengan motosikal. Ini kerana pemilik motosikal tidak diwajibkan untuk membeli insurans kenderaan. Tetapi, untuk pengetahuan anda, setiap kenderaan bermotor di negara ini diwajibkan untuk memiliki sekurang-kurangnya \ninsurans Pelindungan\n Pihak Ketiga. .Jadi anda boleh mula menuntut ganti rugi melalui Tuntutan Kerosakan Harta Benda Pihak Ketiga atau \u2018\nThird Party\n Property Damage\u2019 (TTPD) ke atas pihak insurans pemilik motosikal terbabit. Jika anda tidak tahu bagaimana cara untuk melakukannya, anda boleh meminta bantuan dari pihak insuran anda untuk menyelesaikannya bagi pihak anda.\n\n\n3. Bagaimana Jika Insurans Telah Tamat Tempoh Atau Tidak Memiliki Insurans Langsung?\n\n\nJika insurans penunggang terbabit telah tamat tempoh atau dia tidak memiliki insurans, anda tentulah tidak boleh memohon untuk tuntutan TTPD tadi. Apa yang boleh anda lakukan adalah membuat terus tuntutan kepada penunggang tersebut dengan bantuan peguam. Tetapi, harus diingatkan kos melantik peguam adalah tinggi, Jadi pastikan tuntutan yang anda buat itu berbaloi. Sekiranya kos kerosakan adalah rendah dan anda mampu tanggung sendiri, tidak perlulah bersusah payah \nmembuat tuntutan\n terhadap penunggang terbabit. Anda juga boleh mempertimbangkan untuk membuat tuntutan daripada \nsyarikat insurans\n anda sendiri sekiranya anda mengambil pelan Pelindungan Komprehensif.\n\n\n4. Melanggar Penunggang Yang Tidak Menggunakan Laluan Motosikal\n\n\nAdalah menjadi satu kesalahan sekiranya seorang penunggang motosikal itu tidak menggunakan laluan motosikal. Jika di sabit kesalahan, mereka boleh didenda RM300. Walaupun mereka boleh dianggap melakukan kesalahan trafik, tetapi untuk kes kemalangan, ia tetap akan mengambil kira siapa yang langgar siapa. Sekiranya anda memandu dengan cara berbahaya dan anda melanggar mereka, jadi andalah yang bersalah. Jadi, kos kerosakan, tanggunglah sendiri.\n\n\n5. Bagaimana Jika Nak Selesaikan Cara Baik\n\n\nWalaupun anda dan penunggang terbabit bersetuju untuk menyelesaikan kes ini secara baik, anda tetap perlu untuk membuat laporan kemalangan tersebut di Balai Polis. Kegagalan anda untuk berbuat demikian boleh membuatkan anda disaman RM120. Maklumkan juga kepada pihak insurans anda bahawa anda telah menyelesaikan kes tersebut dan tidak mahu membuat sebarang tuntutan sebagai langkah berjaga-jaga takut penunggang terbabit membuat tuntutan terhadap anda pula nanti. Ketahuilah hak anda sekiranya terlibat di dalam kemalangan. Bagi penunggang motosikal pula, jangan abaikan kepentingan memiliki insurans. Ini sebagai langkah berjaga-jaga untuk diri anda sendiri juga. Dapatkan maklumat tentang \ninsurans motosikal\n di laman web Fincrew.my.\n\n\nTags:\nInsurans Kereta\nInsurans Motosikal\nInsurans Pihak Ketiga\nKemalangan Jalan Raya\nPelindungan Komprehensif\nThird Party Property Damage\nTuntutan Insurans\nTuntutan Kerosakan Harta Benda Pihak Ketiga\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/06/tips-penjimatan-bagi-yang-ingin-memperbaharui-insurans-kenderaan-secara-online/", "title": "Tips Penjimatan Bagi Yang Ingin Memperbaharui Insurans Kenderaan Secara Online", "body": "Ramai tahu kos untuk membeli atau \nmemperbaharui insurans kenderaan\n pastinya mahal terutama sekali bagi kenderaan baharu. Sebab itulah anda akan dengar mereka merungut ataupun mengeluh setiap kali perlu \nmemperbaharui insurans kenderaan\n mereka. Tapi, jangan risau. Anda masih lagi mampu untuk menjimatkan duit anda semasa memperbaharui insurans biarpun secara online. Berikut merupakan beberapa tip yang boleh anda gunakan untuk menjimatkan duit anda semasa ingin membeli atau \nmemperbaharui insurans kenderaan\n:\n\n\n1. Letak Nilai Insurans Yang Tepat\n\n\nSemasa proses membeli \ninsurans kenderaan\n, anda perlu meletakkan nilai insurans kereta mengikut nilai pasaran semasa kenderaan itu. Dengan cara ini, anda cuma perlu membayar jumlah yang sepatutnya sahaja. Anda juga boleh memilih nilai yang dipersetujui bersama dengan syarikat insurans. Tetapi pastikan nilai tersebut tak lebih dan tak kurang. Ini mengelakkan anda daripada kerugian. Sebagai contoh, jika anda meletakkan nilai yang lebih tinggi daripada nilai pasaran, anda akan dikenakan premium yang lebih tinggi. Tetapi bila anda meletakkan nilai yang rendah pula, tiba masa untuk anda \nmembuat tuntutan\n, anda terpaksa mengeluarkan duit lebih untuk menanggung kerosakan yang anda alami. Ini kerana pihak insurans memberikan jumlah pampasan yang lebih rendah. Jadi, lebih baik jika anda meletakkan nilai yang tepat untuk keuntungan anda.\n\n\n2. Pilih Perlindungan Yang Sesuai\n\n\nSeperti yang sedia maklum, terdapat 3 jenis \npolisi insurans kenderaan\n yang ada di Malaysia iaitu polisi pihak ketiga, polisi pihak ketiga, kebakaran dan kecurian dan juga polisi komprehensif. Walaupun \npolisi insurans kenderaan\n komprehensif menawarkan perlindungan yang lebih menyeluruh, mungkin anda tidak memerlukan kesemua perlindungan yang ditawarkan di dalam polisi terbabit. Sebagai contoh, anda cuma menggunakan kereta untuk menghantar anak ke sekolah yang jaraknya hanya 5 minit perjalanan. Jadi, rasanya tidak perlu anda mengambil \npolisi komprehensif\n yang mahal. Cukup sekadar membeli \npolisi insurans\n pihak ketiga sahaja. Jadi, selidik dan kaji dahulu setiap jenis polisi untuk mencari polisi mana yang seharusnya anda ambil. Bila sudah tahu polisi yang tepat untuk anda, barulah mudah untuk anda membuat perbandingan harga premium yang ditawarkan antara sebuah syarikat insurans dengan syarikat insurans yang lain.\n\n\n3. Lihak Promosi\n\n\nBukan produk lain sahaja yang ada promosi, insurans juga ada promosi. Lagipun, zaman sekarang terdapat pelbagai \npremium insurans\n yang ditawarkan oleh pelbagai syarikat insurans yang berbeza. Jadi, pastinya syarikat-syarikat insurans ini akan berlumba-lumba menawarkan pelbagai promosi menarik bagi menarik minat pelanggan. Tugas anda cuma perlu peka, bila agaknya pihak insurans akan melakukan promosi harga menarik.\n\n\n4. Buat Perbandingan\n\n\nBagi yang sering membaca tentang tip-tip penjimatan, anda pasti sudah selalu mendengar nasihat supaya sentiasa membuat perbandingan harga sebelum mengambil keputusan untuk membeli sesuatu. Kaedah yang sama juga boleh dilakukan jika anda ingin membeli atau memperbaharui polisi insurans kenderaan anda. Ini kerana terdapat banyak pilihan pelan insurans kenderaan yang ditawarkan oleh pelbagai syarikat insurans di luar sangat. Harga premium yang mereka tawarkan juga berbeza-beza di antara satu syarikat dengan satu syarikat yang lain. Jadi, jika anda ingin berjimat, anda perlulah meluangkan sedikit masa untuk membandingkan polisi insurans yang ada di luar sana.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nDi zaman yang serba canggih ini, anda boleh menjimatkan masa anda untuk melakukan semua perkara di atas tanpa perlu meninggalkan keselesaan rumah anda. Anda boleh melakukan segalanya dihujung jari sahaja. Antara \nlaman web perbandingan insurans\n yang anda boleh lawati adalah Fincrew.my. Di sini anda bukan sahaja boleh membandingkan serta mendapatkan sebut harga insurans kenderaan, tetapi anda juga boleh mendapatkan maklumat-maklumat terkini tentang insurans kenderaan di Malaysia. Jadi, apa tunggu lagi? Layarilah laman web Fincrew sekarang!\n\n\nTags:\nDiskaun Insurans\nInsurans Auto\nInsurans Kenderaan\nInsurans Kenderaan Komprehensif\nPolisi Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/22/%e6%8a%8a%e8%bd%a6%e5%8d%96%e6%8e%89%e8%bf%87%e5%90%8e%e6%88%91%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%80%8e%e4%b9%88%e5%8a%9e/", "title": "\u628a\u8f66\u5356\u6389\u8fc7\u540e\u6211\u7684\u6c7d\u8f66\u4fdd\u9669\u600e\u4e48\u529e\uff1f", "body": "\n\n\n\n\u6709\u5f88\u591a\u4eba\u95ee\u8fc7\u8fd9\u4e2a\u95ee\u9898 \u2014 \u5982\u679c\u6211\u628a\u8f66\u5356\u4e86\uff0c\u6211\u7684\n\u6c7d\u8f66\u4fdd\u9669\n\u600e\u4e48\u529e\uff1f\u8fd9\u4e2a\u95ee\u9898\u662f\u4e0d\u662f\u8033\u719f\u80fd\u8be6\u5462\uff1f\u7684\u786e\uff0c\u5f88\u591a\u4eba\u4e0d\u4f46\u4e0d\u77e5\u9053\u81ea\u5df1\u4e70\u4e86\u4ec0\u4e48\u4fdd\u9669\uff0c\u8fde\u5f88\u591a\u624b\u7eed\u90fd\u641e\u4e0d\u6e05\u695a\u5462\uff01\u9996\u5148\uff0c\u628a\u8f66\u5356\u4e86\uff0c\u6211\u4eec\u9700\u8981\u901a\u77e5\u6211\u4eec\u7684\n\u6c7d\u8f66\u4fdd\u9669\n\u516c\u53f8\uff0c\u7136\u540e\u7b49\u5f85\u4e70\u5bb6\u51c6\u5907\u4e24\u4e2a\u6587\u4ef6\uff0c\u65b0\u4e70\u5bb6\u540d\u4e0b\u7684\u6c7d\u8f66\u4fdd\u5355\uff0c\u8fd8\u6709\u9646\u8def\u4ea4\u901a\u5c40(JPJ) \u66f4\u65b0\u7684\u8f66\u5361\uff0c\u628a\u8fd9\u4e24\u4e2a\u6587\u4ef6\u4ea4\u7ed9\u4f60\u7684\n\u4fdd\u9669\u516c\u53f8\n\uff0c\u5c31\u53ef\u4ee5\u628a\u4fdd\u5355\u505c\u6b62\u3002\u5982\u679c\u4fdd\u5355\u7684\u6709\u6548\u65e5\u671f\u8fd8\u6709\u8d85\u8fc73\u4e2a\u6708\uff0c\u751a\u81f3\u8fd8\u53ef\u4ee5\u7533\u8bf7\u4f59\u989d\u9000\u8fd8\u54e6\uff01\u5f53\u7136\u6bcf\u4e00\u5bb6\n\u4fdd\u9669\u516c\u53f8\n\u7684\u9000\u6b3e\u6761\u4ef6\u4e0d\u4e00\u5b9a\u76f8\u540c\uff0c\u4e0d\u8fc7\u65e0\u8bba\u5982\u4f55\uff0c\u6211\u4eec\u90fd\u53ef\u4ee5\u5c1d\u8bd5\u95ee\u95ee\u770b\u3002\u5982\u679c\u4ee5\u4e0a\u624b\u7eed\u5728\u529e\u7740\uff0c\u4f46\u65b0\u7684\u4e70\u5bb6\u63d0\u51fa\u8981\u5148\u628a\u8f66\u62ff\u53bb\u9a7e\uff0c\u53ef\u4ee5\u5417\uff1f\u8fd9\u6709\u4e00\u70b9\u98ce\u9669\u54e6\uff01\u56e0\u4e3a\u5982\u679c\u53d1\u751f\u4ec0\u4e48\u610f\u5916\uff0c\u54ea\u4e00\u65b9\u9700\u8981\u8d1f\u8d23\u4efb\u5462\uff1f\u5bf9\u8c01\u90fd\u4e0d\u516c\u5e73\uff0c\u6240\u4ee5\u6700\u597d\u662f\u7b49\u4e00\u5207\u624b\u7eed\u90fd\u529e\u59a5\u4e86\uff0c\u518d\u8ba9\u65b0\u4e70\u5bb6\u628a\u8f66\u9a7e\u8d70\u6bd4\u8f83\u7a33\u5f53\u3002\n\n\n\u5f53\u7136\u4e5f\u6709\u5f88\u591a\u4eba\u628a\u65e7\u8f66\u5356\u4e86\uff0c\u4f1a\u6362\u4e00\u8f86\u65b0\u8f66\u3002\u8fd9\u65f6\u5019\u5c31\u628a\u4f60\u73b0\u6709\u7684\u6c7d\u8f66\u4fdd\u9669\u8f6c\u79fb\u5230\u65b0\u8f66\uff0c\u90a3\u8fd8\u53ef\u4ee5\u5f97\u5230\u65e0\u7d22\u507f\u6298\u6263\uff0c\u8fd9\u4e00\u4e9b\u8d44\u8baf\u6c7d\u8f66\u8425\u4e1a\u5458\u90fd\u4f1a\u5e2e\u4f60\u7b97\u6e05\u695a\u7684\u54e6\uff01\u5e0c\u671b\u6211\u4eec\u4eca\u5929\u7684\u89c6\u9891\u6559\u4f1a\u4f60\u4e00\u70b9\u70b9\uff0c \u8ba9\u4f60\u66f4\u61c2\u5f97\u8f66\u9669\u7684\u54a8\u8be2\uff01\n\n\nTags:\nJPJ\n\u4fdd\u9669\u516c\u53f8\n\u6c7d\u8f66\u4fdd\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/12/can-i-keep-my-totaled-vehicle-after-an-accident/", "title": "Can I keep my Totaled Vehicle After an Accident?", "body": "A car accident is a traumatic experience. Even if the accident wasn\u2019t that severe, a car could be \ntotaled\n. Failure to repair destroyed vehicles is not a problem, but the cost of such repairs is deemed excessive. If the insurance company determines the car to be \ntotaled\n, the damage is greater than 75 per cent of its value. Your insurance provider may still allow you to bring your car home before it hits the salvage yard if you recently had a car accident and determine that it is a total loss. However, you must ask yourself if you wish to keep it.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nWhat Is a Total Loss?\n\n\nCars are \ntotal losses\n if the cost of repairs exceeds the vehicle\u2019s value at the time of the accident. Though the definition may vary from insurer to insurer, however, if your insurance company determines that the car damage is so severe, it will be a total loss, cost considerations aside. In any case, if it is not possible to salvage the vehicle, you should cut your losses and accept the check your \ninsurance company\n sends you. Your insurer marks your vehicle\u2019s title as salvage once written off as a total loss. Your insurance company will determine your real cash value and issue a check depending on your car\u2019s make, model, mileage, condition, and options. It will then be auctioned off for its salvage value by the insurer.\n\n\nWhat To Consider Before Keeping a Totaled Vehicle\n\n\nOne of the reasons to keep a \ntotaled car\n is to salvage it yourself for spare parts or to believe it can be restored and made safe for driving again. You may be correct, but take some factors into account before making your decision.\n\n\nRepair Costs\n\n\nThe repair cost is a big deal. You have to make sure you can get actual value from your vehicle if your insurance company doesn\u2019t think it\u2019s worth the repairs. Consider getting an expert opinion if you don\u2019t know much about mechanics. One scenario in which such a vehicle is worth keeping is if you are a mechanic and can make the repairs yourself for a great deal less than what it would cost to have another mechanic do it. Other drivers and the environment are at risk if you fail to repair a \ntotaled car\n properly.\n\n\nInsurance\n\n\nYour repaired vehicle may be difficult to insure\u2014and you\u2019ll have a difficult time finding an insurance company that will cover your vehicle before being fixed. When the car becomes a salvage vehicle, insurance companies are hesitant to write a policy. You may only be eligible for liability coverage.\n\n\nFinancing\n\n\nIf you don\u2019t own your baby, don\u2019t get too excited about bringing it home. You may not keep the vehicle if financed, and you have not fully paid it off. The final decision will be by the \nfinancial\n institution that holds the loan. You should consider gap \ninsurance\n if you are concerned that you will owe more than the vehicle is worth if it is totaled. It will cover the difference between your owed amount and the value of the car.\n\n\nIf You Still Wish To Keep Your Vehicle\n\n\nEven if you can\u2019t bear to part with your baby, arrange with your insurer to keep your beautiful wreck. Payment will be determined by your carrier the same way it would if you weren\u2019t holding your car, but the vehicle\u2019s salvage value will reduce the settlement amount.\n\n\nTags:\nExcess\nLiability Cover\nTotal Loss\nTotaled Car\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/07/20/what-happen-to-your-car-insurance-policy-when-you-sell-your-car/", "title": "Your Car Insurance Policy When You Sell Your Car", "body": "You feel like it is the right time to upgrade and purchase a larger, newer, or better vehicle. Perhaps you have multiple cars, and you want to sell one of them for profit. Either way, you\u2019ve decided that now is the right moment to sell your vehicle. But what will happen with the \ninsurance\n once you sell the vehicle? At its essence, you have two options when it comes to your \ncar insurance policy\n.\n\n\n\n\nOption #1: Cancel the Car Insurance Policy\n\n\nThe first thing that you can do is to cancel the \ncar insurance\n policy\n. It is important not to rush with this decision. The situation when canceling the \ncar insurance\n is justified is when you don\u2019t plan on owning a vehicle any time soon. Since you won\u2019t be having a car, there is no need for \ncar insurance\n. Here is how the process of canceling the \ncar insurance\n policy should look:\n\n\n\n\nContact the insurance company to ask for details about the \ncancellation\n process. Inform that that you\u2019ve sold your vehicle and want to \ncancel your policy\n.\n\n\nMake sure to ask about potential \ncancellation\n fees.\n\n\nSend the required paperwork to the \ninsurance company\n and pay the fee.\n\n\n\n\nDepending on how much you have left on your \ncar insurance\n policy and other details of the agreement, you might be eligible for premium refunds. If you are paying monthly, the odds are that there will be no or low refunds. However, if you paid for the entire contract time in advance, a refund might be approved.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nOption #2: Change the Vehicle Covered by the Car Insurance Policy\n\n\nYou might be selling a vehicle, but that doesn\u2019t mean you are not acquiring a new car. Perhaps you are selling the old model to purchase a new one. If you plan to buy another vehicle and continue driving, you don\u2019t need to cancel your car insurance policy. Instead, it is much better to replace the vehicle covered by the \ninsurance\n plan. Updating your car insurance policy should be a straightforward process. It starts by contacting the insurance company and informing them that you sold the old and purchased a new vehicle. An agent will get in touch with you to discuss details about updating the policy. Specifics like the estimated value of the vehicle might need to be changed. Once you reach an agreement, you will receive a fresh certificate of your insurance plan for the new vehicle. Make sure to check for the effective date of your new policy. That is the day when the obligation of the insurance company officially begins. If any damage occurs before that date, they cannot be held responsible.\n\n\nWhy You Shouldn\u2019t Cancel Your Car Insurance Policy Before You Sell Your Vehicle\n\n\nMany people rush and decide to cancel their car insurance policy even before they finalize the selling process. You might think that you won\u2019t drive your vehicle anymore, especially if you have an interested buyer. But what if the purchaser gives up at the last minute? What if there is an emergency and you need to take the car to another part of the city?\n\n\nDriving without car insurance is a huge risk, which is why you should keep your policy intact until you finish the selling process. That way, you can use the vehicle until the last moment without worrying about potential consequences.\n\n\nTags:\nCar Insurance\nInsurance Policy\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/04/19/sebab-utama-kenapa-tuntutan-insurans-motosikal-anda-ditolak/", "title": "Sebab Utama Kenapa Tuntutan Insurans Motosikal Anda Ditolak", "body": "Bayangkan, anda mengalami kemalangan dan kemudian anda bersedia untuk membuat tuntutan kepada syarikat insurans bagi menanggung segala kos yang diperlukan untuk membaiki kerosakan yang dialami. Anda telah siap menghantar borang permohonan, tetapi anda kemudiannya dimaklumkan bahawa tuntutan anda itu ditolak. Pasti ia akan mengecewakan anda bukan? Kalau begini, lebih baik tak payah \nbeli insurans motosikal\n kalau pihak insurans tak bertindak untuk melindungi pemilik polisi dari kecelakaan seperti kecurian, kemalangan atau kebakaran. Tentu mereka mempunyai alasan yang munasabah untuk menolak permohonan tuntutan anda itu. Mengapa agaknya syarikat insurans ini menolak permohonan anda? Mungkin 4 sebab di bawah merupakan alasan kenapa \ntuntutan insurans\n motosikal anda itu ditolak dengan mudah:\n\n\n1. Laporan Polis Tidak Sah\n\n\nUntuk mendapatkan \ntuntutan insurans\n, anda perlu mengemukakan kepada \nsyarikat insurans\n laporan polis yang dilakukan kurang daripada tempoh 24 setelah kecelakaan atau kecurian itu tersebut berlaku. Pihak insurans akan menganggap bahawa dokumen laporan yang ditunda ini adalah tidak sah. Sebab itulah anda disarankan untuk segera membuat laporan polis dan mengemukakan permohonan tuntutan kepada pihak insurans pada hari yang sama. Dan jangan sesekali cuba untuk memalsukan laporan polis kerana anda boleh dikenakan hukuman penjara sehingga 6 bulan dan juga denda sehingga RM2,000!\n\n\n2. Tidak Mempunyai Lesen Memandu/Lesen Tamat Tempoh\n\n\nRamai juga di kalangan rakyat Malaysia yang memiliki dan memandu motosikal tanpa lesen yang sah terutamanya golongan remaja. Bila berlakunya \nkemalangan\n atau kecurian, pihak insurans akan meminta salinan dokumen penting untuk melengkapkan prosedur terutamanya lesen memandu. Sekiranya pemilik motosikal itu tidak mempunyai lesen memandu yang sah, permohonan mereka akan ditolak serta-merta. Jadi, ibu bapa yang mempunyai anak-anak yang gemar menunggang motosikal, anda perlulah memantau anak-anak. Jangan biarkan mereka menunggang tanpa lesen yang sah walaupun untuk jarak yang dekat kerana kemalangan itu tidak berbau.\n\n\n3. Tidak Dilindungi Polisi\n\n\nPihak insurans juga tidak memberikan pelindungan bagi setiap perkara yang berkaitan dengan motosikal anda. Sebelum membuat sebarang tuntutan kepada syarikat insurans, sebaiknya anda teliti terlebih dahulu dokumen polisi anda untuk melihat pelindungan apa yang diberikan di dalam polisi tersebut. Contohnya anda cuma mengambil polisi pelindungan yang paling asas, Polisi ini tidak akan melindungi anda daripada kes-kes kecurian aksesori motosikal seperti \u2018sports rim\u2019. Jadi, kalau anda \nmembuat tuntutan\n kepada pihak insurans, tentu mereka akan menolak tuntutan tersebut.\n\n\n4. Dokumen Tidak Lengkap\n\n\nKalau anda mengemukakan dokumen yang tidak cukup atau tidak lengkap, permohonan anda akan ditolak. Jadi sediakan semua dokumen yang diperlukan sebelum membuat tuntutan kepada pihak insurans. Antara dokumen yang perlu disediakan adalah salinan lesen memandu, salinan \u2018cover note\u2019, salinan laporan polis serta gambar yang boleh dijadikan sebagai bukti. Untuk maklumat yang lebih lanjut, anda boleh berhubung terus terus pegawai insurans anda. Anda juga boleh merujuk kepada Panduan Tuntutan Motor oleh Bank Negara Malaysia.\n\n\nJika anda memberikan perhatian untuk setiap perkara di atas, anda akan mendapat pampasan yang sewajarnya daripada syarikat insurans. Tetapi seandainya tuntutan anda masih ditolak, anda boleh menggunakan khidmat Biro Perantara Kewangan (Financial Mediation Bureau) menyelesaikan \ntuntutan dengan pihak insurans\n. Apa yang paling penting, semasa anda membeli insurans pastikan anda memahami sepenuhnya dengan pelan pelindungan yang anda ingin ambil itu. Jangan lupa untuk membandingkan setiap pelan \ninsurans motosikal\n yang ada diluar sana bagi memastikan anda mendapat pelindungan yang terbaik pada masa yang sama berbaloi dengan duit yang dilaburkan.\n\n\nDi Fincrew, kami menyediakan pelbagai pilihan polisi daripada pelbagai syarikat insurans yang berbeza. Ini tentunya akan memberikan peluang kepada anda untuk menilai pelan \ninsurans motosikal\n mana yang bersesuaian dengan anda.\n\n\nTags:\nCover Note\nInsurans Motosikal\nTuntutan Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/03/07/types-of-company-insurance-for-employees/", "title": "Types Of Company Insurance For Employees", "body": "The workplace should provide an employee with some form of insurance coverage. While certain \ntypes of insurance\n coverage are mandatory for certain employers, others are not. However, it is best to understand the more common \ntypes of insurance\n that your employer may offer. What\u2019s the reason? Understanding what you have and do not have allows you to fill in any gaps in your coverage. As a result, you will be well informed enough to take advantage of the benefits you need when you need them.\n\n\nHealthcare Insurance\n\n\nMany employers offer group healthcare \ninsurance\n to their employees. You can choose from different coverage options, from the most basic to the most \ncomprehensive\n. Employees can typically choose between different \ninsurance plans\n their employers provide, and employees can adjust these plans as necessary. Knowing what is covered and what isn\u2019t includes learning whether you choose your physician and the \ndeductible\n or other costs.\n\n\nDisability\n\n\nDisability insurance is another type of employer insurance. If an employee becomes disabled, an employer will purchase income replacement insurance not to lose their income. The employee will receive a regular payment if he becomes disabled through this type of insurance. The majority of insurance policies have a waiting period to be adhered to by individuals. Depending on the severity of the \nbodily injuries\n, they might have to wait 60 days before they begin receiving benefits. Most employers only insure their workers for short-term liability. As a result, most companies will only provide \nfinancial\n support to disabled individuals for a short period (a year or less). A person who is still unable to work after this point can seek disability benefits from Social Security or a private disability insurance policy.\n\n\nWorker\u2019s Compensation\n\n\nIf a company has employees, it is required to purchase worker\u2019s compensation insurance. Workers\u2019 compensation insurance covers the medical expenses incurred by employees due to workplace injuries. If a worker gets injured on the job, she can obtain the medical care she needs and then file a \nworker\u2019s compensation\n claim. Her insurance will then pay her medical bills. Employees who accept this coverage agree not to sue their employers for negligence. It is also known as workman\u2019s compensation.\n\n\nLife Insurance\n\n\nEmployees typically purchase group \nlife insurance\n through their employers. Knowing what kind of coverage your employer provides and the death benefit is essential if you have such a range. In many cases, these types of life insurance group plans are just short-term or \naccidental death policies\n that cover just enough of your final expenses or come with death benefits equal to just one year of your salary. A life insurance policy that requires little or no medical examination is better than none, and group life insurance might be a cost-efficient way to start one. Nevertheless, make sure you have enough coverage by checking your limits and policy type.\n\n\nReviewing your coverage is essential if your employer offers you free or low-cost benefits at work. Talk to us at Fincrew to determine whether you need coverage beyond what is provided by your employer. Our representative can help you choose the right policy that is best for you.\n\n\nTags:\nCompany Insurance\nHealthcare Insurance\nLife Insurance\nWorkers Compensation\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/01/apakah-perlindungan-yang-diberikan-oleh-insurans-kereta/", "title": "Apakah Perlindungan Yang Diberikan Oleh Insurans Kereta?", "body": "\n\nSama ada anda baru sahaja menyertai kumpulan pemilik kenderaan di negara ini atau tidak mempunyai banyak masa untuk melihat perincian polisi \ninsurans kereta\n anda, anda mungkin akan mendapati diri anda bertanya:\n\n\n\n\nApa yang sebenarnya dilindungi oleh \ninsurans kereta\n saya?\n\n\nApakah keistimewaan memiliki \nperlindungan\n?\n\n\nUntuk situasi yang bagaimana saya tidak diinsuranskan?\n\n\n\n\nAnda berbelanja besar untuk \nperlindungan insurans kereta\n anda setiap tahun. Bukankah ini masanya untuk anda mengetahui lebih lanjut mengenainya? Tidak mahu berasa tertekan semasa melakukannya? Perkara pertama yang perlu anda tahu semasa mempertimbangkan seluas mana \nperlindungan insurans kereta\n anda adalah, ia bergantung sepenuhnya kepada polisi apa yang anda ambil dengan syarikat insurans anda. Ini bermaksud apa yang dilindungi untuk anda dari segi kewangan adalah berkaitan secara langsung dengan mana satu antara tiga jenis pakej insurans utama yang anda ambil untuk kenderaan anda.\n\n\nSebagai contoh, jika anda mendapatkan perlindungan \nPihak Ketiga\n, satu-satunya perlindungan yang boleh anda harapkan jika anda terlibat dalam kemalangan yang mengakibatkan kerosakan pada kenderaan, individu atau harta benda orang lain, anda tidak perlu menanggung perbelanjaan tersebut dari poket anda sendiri. Kesannya, jika anda merosakkan kenderaan anda atau diri sendiri \ndalam kemalangan\n tersebut, anda perlu menanggung kos tersebut dengan duit sendiri. Bagaimanapun, jika anda menggunakan Perlindungan Pihak Ketiga, Kebakaran dan Kecurian, anda boleh mengharapkan sedikit perlindungan kewangan daripada \nsyarikat insurans\n anda.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nMereka bukan sahaja akan menanggung semua perbelanjaan pihak ketiga yang terlibat dalam kemalangan, tapi, anda juga berpeluang mengemukakan tuntutan jika kenderaan anda dicuri atau dirosakkan. Selain itu, jika kenderaan anda terlibat dalam kebakaran, anda tidak perlu menanggung sendiri kos pembaikan atau penggantian. Seperti yang anda jangkakan, Pakej \nPerlindungan Komprehensif\n menawarkan rangkaian perlindungan yang lebih luas kepada pelanggan. Selain daripada menguruskan kedua-dua pakej sebelum ini, ia memberikan anda lebih perlindungan kewangan jika kereta anda mengalami kerosakan akibat pelanggaran. Tapi, itu cuma akan berlaku jika anda tidak bersalah. Sekarang anda telah mengetahui semua senario yang dilindungi oleh pelbagai jenis pakej insurans kereta. Berikut merupakan beberapa situasi \nyang tidak dilindungi oleh polisi insurans\n standard. Tidak ada insurans kereta yang akan melindungi anda jika ini berlaku;\n\n\n\n\nKecederaan tubuh atau kematian anda sendiri\n\n\nKecederaan atau kematian penumpang anda\n\n\nKecurian aksesori yang dipasang pada kenderaan anda\n\n\nKerosakkan kereta anda yang disebabkan oleh bencana alam seperti banjir\n\n\nKerosakan atau kehilangan kereta anda akibat usang\n\n\n\n\nDan, sekarang anda telah tahu semua yang dilindungi oleh insurans kereta anda.\n\n\nTags:\nInsurans Kenderaan Pihak Ketiga\nInsurans Kereta\nInsurans Pihak Ketiga\nPelindungan Insurans\nPelindungan Komprehensif\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/09/04/exploring-diverse-financial-services-provided-by-fincrew/", "title": "Exploring Diverse Financial Services Provided By Fincrew", "body": "The leading insurance and financial product marketplace in Malaysia, Fincrew Malaysia, provides a wide range of \nfinancial services\n. Fincrew Malaysia provides users a comprehensive online platform for comparing and applying for various financial products, including insurance, loans, credit cards, and extended warranties. The platform makes users make informed decisions and find the best deals on economic outcomes by providing a user-friendly experience and excellent customer service.\n\n\nFincrew Malaysia offers various services besides its insurance and financial products, such as online will writing and business current accounts. An overview of Fincrew Malaysia\u2019s various \nfinancial services\n, including its auto repair loan, compare SME business loans, compare personal loans, compare koperasi loans, extended warranty, online will writing, and Alliance Bank business current account, will be provided in this article.\n\n\nInsurance Services\n\n\nFincrew Malaysia offers a wide range of insurance services, including:\n\n\nMaid Insurance: Fincrew understand the importance of safeguarding the well-being of those who support your household. Fincrew \ncomprehensive maid insurance\n coverage offers personal accident insurance, medical expenses, repatriation costs, and more.\n\n\nGolfer Insurance\n: Fincrew tailored this coverage to address the unique needs of golf enthusiasts. From liability to the public and accidental injuries to equipment loss and even hole-in-one celebrations, Fincrew Golfer Insurance has you covered.\n\n\nCar Insurance\n: Motor insurance is mandatory in Malaysia for all vehicle owners. Fincrew Malaysia offers motor insurance policies that cover damage to your vehicle and liability for third-party damages.\n\n\nTravel Insurance\n: Travel insurance covers unexpected events during your trip, such as medical emergencies, trip cancellations, and lost baggage. Fincrew Malaysia offers travel insurance products that provide comprehensive coverage at affordable prices.\n\n\nLoan For Auto Repair\n\n\nAn auto repair loan from Fincrew Malaysia is a personal loan designed to help car owners pay for auto repairs. Because these loans are unsecured, they have flexible terms for repayment and competitive interest rates. It makes it easier for car owners to pay for repairs without worrying about how much they will cost upfront.\n\n\nSME Business Loans Compare\n\n\nAdditionally, Fincrew Malaysia \nprovides a comparison and application for business loans platform for SMEs\n. Small and medium-sized businesses (SMEs) can get funding using this service, which helps them find the best loan deals with low-interest rates and flexible repayment terms.\n\n\nCompare An Individual Loan\n\n\nFincrew Malaysia likewise offers a stage for people to look at and apply for individual credits. Loans for personal use are for various things, including home improvements, consolidating debt, and paying for unexpected expenses. Individuals can use the service to locate the best loan deals with affordable interest rates and flexible repayment terms.\n\n\nComparison Of Koperasi Loan\n\n\nKoperasi loans are loans from cooperatives that are only available to cooperative members. Members of koperasi can use the Fincrew Malaysia platform to compare and apply for loans with favorable interest rates and flexible repayment terms.\n\n\nExtended Protection\n\n\nFor various goods, Fincrew Malaysia provides \nextended warranty coverage for automobiles\n, motorcycles, and home appliances. Users are provided with financial security and peace of mind due to the additional protection that extended warranty coverage provides against unanticipated breakdowns and repair costs.\n\n\nWriting a Will Online\n\n\nAdditionally, Fincrew Malaysia provides \nonline will-writing services\n, allowing customers to draft legal wills without visiting a lawyer. Users can use the service to ensure that their assets\u2019 distributions are by their wishes at an affordable and convenient cost.\n\n\nConclusion\n\n\nFincrew Malaysia is a dependable and easy-to-use marketplace for financial services that provides a wide range of financial products and services to meet its customers\u2019 various requirements. Thanks to the platform\u2019s user-friendly interface and excellent customer service, it is easier for users to compare and apply for insurance, loans, credit cards, and other financial products. Users can also benefit from Alliance Bank\u2019s business current account, extended warranty, and online will writing services from \nFincrew Malaysia\n.\n\n\nFincrew Malaysia\n is an excellent option for anyone looking to compare and apply for financial products that best suit their requirements and budget because of its competitive rates and flexible repayment terms.\n\n\nTags:\nCar Extended Warranty\nFinancial Services\nGolfers\nMaid Insurance\nOnline Will Writing\nSME\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/27/does-insurance-transfer-the-risk/", "title": "Does Insurance Transfer The Risk?", "body": "Insurance\n companies do not transfer risks for numerous reasons. First, let\u2019s talk about what transfer of risk is and how it works.\n\n\nWhat Is Risk Transfer?\n\n\nBusiness agreements that involve risk transfer are agreements whereby one party pays another to mitigate losses that may or may not occur. The \ninsurance\n industry operates according to this tenet. Transfers of risk can occur between individuals, between individuals and insurers, or between reinsurers and insurers.\n\n\nHow It Works\n\n\nA \nrisk transfer\n is a risk management technique in which individual or corporate loss is shifted to a \nthird party\n if there is an adverse outcome. Third parties have compensations for bearing risks by periodic payments from individuals or entities. Insurance is a typical example of \nrisk transfer\n. A person or entity purchasing insurance is protecting itself against financial risks. \nCar insurance\n, for example, provides financial protection for individuals in case of traffic accidents that could result in bodily damage or injury. As a result, the person is shifting the risk of a traffic collision resulting in significant financial losses to the \ninsurance company\n. Individuals will generally need to pay a periodic premium to the insurance company to cover these risks.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nMethods Of Risk Transfer\n\n\nIn general, there are two methods of transferring risk:\n\n\nInsurance Policy\n\n\nPurchasing insurance is a standard method for transferring risk. In purchasing insurance, an individual or entity is shifting \nfinancial\n risk to the insurance company. Such risks typically incur a fee \u2013 an \ninsurance premium\n \u2013 from insurance companies.\n\n\nAn Indemnification Clause In Contracts\n\n\nAdditionally, contracts are for transfer risk from one entity to another. An indemnification clause in an arrangement ensures that the opposing party will compensate for potential losses. By definition, an indemnification clause says that parties to the contract will pay each other if they suffer harm, liability, or loss.\n\n\nWhy Do We Not Transfer All Risks By Using Insurance?\n\n\nInsurance companies can\u2019t and won\u2019t accept the transfer of \nall risks\n for many reasons. It is essential to know that there are two types of risks: pure risks and speculative risks. Insurance companies do not insure theoretical risks. An investment that could prove beneficial if it fails is investing in a business and insuring against it failing. Risks based on speculation are not covered by insurance since they are the upsides and downsides that every business owner faces. However, companies may bet on a fall in the currency to increase profits when money drops. However, that is not insurance as we understand it. A common term for this strategy is \u201chedging your bets.\u201d\n\n\nMoreover, some risks may seem uninsurable if they are against the public interest or encourage loose morals. A good example would be insurance against having your driving license revoked due to repeated accidents. Since the consequences of your actions aren\u2019t as severe, if you have coverage against this, you may end up driving more recklessly as you don\u2019t have to worry about financial consequences. Additionally, some occurrences are so uncommon that insurers do not wish to set up policies to cover them. Many insurance intermediaries set up special schemes to address the unique problems that some people and organizations face \u2013 but these schemes must generate sufficient premiums to cover the overhead involved in administering them and provide a pool of funds to settle claims.\n\n\nTags:\nAll Risk\nReinsurer\nRisk Management\nRisk Transfer\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/01/major-exclusions-in-insurance-policy/", "title": "Major Exclusions In Insurance Policy", "body": "Policyholders can avoid unexpected circumstances by purchasing an insurance policy. Unfortunately, some people overlook the exclusion clauses within insurance policies until it\u2019s too late, but they are essential parts of the \ninsurance policy\n. 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 \ninsurance policy\n, you should know all the \nexclusions\n and your obligations as the insured.\n\n\nWhat Is An Exclusion In Insurance?\n\n\nIn \ninsurance policies\n, \nexclusions\n 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\u2019s out-of-pocket maximum. \nLife insurance\n contracts, for example, have specific clauses and provisions to meet before filing a valid claim. \nInsurance providers\n are generally liable for paying claims if the insured dies. For the sake of avoiding adverse selection, insurance providers won\u2019t 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.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nThe Reasons For Exclusion\n\n\nExclusions in insurance policies serve numerous purposes, but they are commonly used to cover risks:\n\n\nA Cataclysmic Event\n\n\nSome risks are not insured because they are catastrophic. An example of this is war. If a bomb damages your \nbusiness\n property during a war, your commercial property insurance will not cover it. Most property policies exclude war damage.\n\n\nCovered By Another Policy\n\n\nSome 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\u2019 compensation law since workers\u2019 compensation \ninsurance\n must protect them.\n\n\nMaintenance Issues\n\n\nSeveral 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.\n\n\nAgainst Public Policy\n\n\nCrimes, 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\u2019s intentional, harmful actions such as shooting a gun or defrauding someone.\n\n\nExclusions And Buybacks\n\n\nIn 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).\n\n\nAs long as you\u2019re 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.\n\n\nTags:\nBuybacks\nCataclysmic Event\nExclusions\nInsurance Exclusions\nInsurance Policy\nLife Insurance\nMajor Exclusions\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/04/tips-for-buying-travel-insurance-no-one-will-tell-you/", "title": "Tips For Buying Travel Insurance No One Will Tell You", "body": "Travel insurance\n 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\u2019ll be shedding more light on the best-hidden tips for getting quality \ntravel coverage\n in the country today.\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nThe Best Tips For Getting Travel Coverage\n\n\nBefore delving into some of the little-known guidelines for getting top-notch \ntravel insurance\n, 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\u2019ll be able to use better the information we\u2019ll be sharing now! Some great tips for getting good travel insurance are;\n\n\n1. Prioritize Good Customer Service\n\n\nContrary to public belief, it isn\u2019t 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 \ninsurance terms\n to you. It\u2019s always good to go with a travel insurer with excellent customer service as this indicates that they\u2019re a trustworthy and reliable bunch.\n\n\n2. Never Underestimate a Good Travel Insurance Policy\n\n\nWhile many people know to get travel insurance now, they\u2019re still not sold on why it\u2019s worth it. What\u2019s more, most insured parties tend to mistake value price. Because expensive coverage doesn\u2019t mean it\u2019ll 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.\n\n\n3. Always Account For Customer Testimonials\n\n\nThe 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 \ninsurance\n is no joke, and you\u2019ll be relying on the \ninsurance\n company for many things \u2013 many of which you don\u2019t even know yet! So, take the time to go through as many online reviews about the company as possible. We\u2019re 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.\n\n\nTakeaway\n\n\nTravel insurance can be a true lifesaver when you\u2019re on a trip. So, make sure that you engage the services of an insurer who shares your vision of keeping you safe while you\u2019re in unfamiliar territory. If you\u2019re 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.\n\n\nTags:\nCoverage\nInsurance Policy\nTravel Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/07/cara-untuk-pindahkan-ncd-kepada-insurer-atau-kenderaan-baharu/", "title": "Cara Untuk Pindahkan NCD Kepada \u201cInsurer\u201d Atau Kenderaan Baharu", "body": "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 \u2018No Claim Discount\u2019 (NCD) atau \nDiskaun Tiada Tuntutan\n anda kepada syarikat insurans atau kenderaan baru anda. Kalau tidak, rugi nanti! Bagi anda yang masih belum tahu apa itu NCD, \nNCD\n 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 \nkemalangan\n yang menyebabkan anda terpaksa membuat tuntutan kepada syarikat insurans. Sekiranya anda ingin \nbertukar syarikat insurans\n dan juga kenderaan baharu, anda boleh \nmemindahkan NCD\n lama anda kepada pihak insurans dan juga kenderaan baharu itu. Ini kerana \nNCD\n akan kekal kepada penama insurans tersebut. Jadi, kalau anda nak bertukar syarikat insurans atau kenderaan baharu pun, anda tidak perlu risau \nNCD anda\n terbatal.\n\n\n\n\n3 Keadaan NCD Tidak Boleh Dipindahkan\n\n\n\n\n-Pindahkan kepada nama orang lain.\n\n\n-Guna pihak ketiga untuk pindahkan NCD\n\n\n-Tukar NCD daripada kenderaan peribadi kepada kenderaan komersial.\n\n\n\n\nPerkara Yang Tidak Akan Mempengaruhi NCD\n\n\nMungkin ramai yang beranggapan, kalau berlaku sahaja \nkemalangan\n 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.\n\n\n\n\nKos kerosakan ditanggung sendiri dan tidak memohon pampasan dari syarikat insurans.\n\n\nKos kerosakan ditanggung oleh pihak ketiga tanpa membuat \ntuntutan kepada syarikat insurans anda\n.\n\n\nUntuk kes langgar lari, pemilik boleh memohon \u2018No Fault Own Damage\u2019 (NFOC) pada syarikat insurans anda. Ia tidak akan memberikan kesan kepada NCD anda.\n\n\nBergantung kepada keputusan pihak polis selepas kemalangan dilaporkan. Siapa yang bersalah dalam kemalangan tersebut?\n\n\nJika perlu menukar cermin hadapan, dan anda telah membeli \npelindungan tambahan\n untuk cermin hadapan, anda boleh membuat tuntutan insurans tanpa memberi kesan kepada NCD.\n\n\n\n\nJika memang terbukti anda yang bersalah, tentulah anda tidak akan mendapat diskaun NCD. Berbalik kepada topik asal, bagaimana caranya untuk \nmemindahkan NCD\n?\n\n\n\n\nSediakan 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 \npremium insurans\n yang perlu anda bayar nanti.\n\n\nIsi borang pemindahan NCD. Jika insurans anda itu \ntelah luput\n, anda perlu nombor \u2018cover note\u2019 pelindungan insurans. Pastikan anda simpan salinan \u2018cover note\u2019 yang ada kadar NCD paling tinggi. Bila sudah selesai semuanya, bolehlah anda periksa kadar NCD anda itu dengan pihak insurans. Mudah bukan?\n\n\n\n\nJadi, selepas ini, anda tidak perlu risau untuk menukar syarikat insurans sekarang kepada syarikat insurans yang lain. Bolehlah anda mula membandingkan \npolisi insurans\n yang ditawarkan di Malaysia di laman web Fincrew sekarang juga. Fincrew memberi peluang kepada anda untuk \nmembandingkan pelindungan kenderaan\n yang ditawarkan di Malaysia. Jadi apa tunggu lagi? Klik dan cari pelindungan terbaik hari ini!\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nTags:\nInsurans Kereta\nNo Claim Discount (NCD)\nSyarikat Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/09/10/which-criteria-affect-car-insurance-policy-rates/", "title": "Criteria That Will Affect Car Insurance Policy Rates", "body": "\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nDid you compare the cost of your car insurance to the friend\u2019s policy and discovered that your rates are considerably higher? Motor insurance prices depend on multiple factors. Let\u2019s take an in-depth look at the primary considerations that affect your \ncar insurance policy rates\n!\n\n\nJoin Fincrew Official Telegram Channel\n\n\nDriver Age\n\n\nIf you only acquired a driving license and you haven\u2019t spent a lot of time behind the wheel, you are at a higher risk of getting into a \nroad accident\n. That is why car insurance companies often increase the \ncar insurance policy rates\n for this driver group. Those younger than 25 will likely face a higher \npolicy cost\n than older drivers.\n\n\nDriver Gender\n\n\nThe statistics related to road accidents in Malaysia doesn\u2019t 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 \ncar insurance policy\n rates if you are a male.\n\n\nDriving History\n\n\nIf 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 \ncar insurance policy\n 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.\n\n\nYour Location\n\n\nThe 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\u2019t as populated.\n\n\nCar insurance\n 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.\n\n\nCar Make and Model\n\n\nNew vehicles often have safety features you won\u2019t find in old cars. If you have additional safety functions, that might lower the \ncar insurance\n 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 \nInsurance\n 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.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nOther Factors That Affect Car Insurance Policy Rates\n\n\nHere are some other things that could affect your \npolicy price:\n\n\n\n\nAdd-ons \u2013if you want some additional perks added to your policy, such as \nlegal liabilities\n of and to passengers, you might need to pay extra.\n\n\nDriving experience \u2013 you might not be a young driver, but if you don\u2019t have any experience, the rates could increase.\n\n\nMileage \u2013 the distance you usually cover with your vehicle might affect the price, too.\n\n\n\n\nWhile comparing prices offered by different agencies is essential, make sure to choose a reputable \ninsurance company\n. That way, you will be safe that they will honor their obligations and help you resolve any \nclaim\n in the shortest possible time frame.\n\n\nTags:\nGeneral Insurance of Malaysia\nInsurance Policy\nMinistry of Transport\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/08/27/cukai-jalan-kenderaan-yang-telah-luput-lebih-3-tahun/", "title": "Cukai Jalan Kenderaan Yang Telah Luput Lebih 3 Tahun", "body": "Semua orang tahu bahawa pemilik kenderaan di Malaysia ini wajib \nmemperbaharui cukai jalan\n dan juga insurans kenderaan bagi setiap kenderaan milik mereka. Tetapi ada juga situasi di mana pemilik kenderaan gagal \nmemperbaharui cukai jalan\n dan juga insurans sehingga bertahun lamanya. Kalau dahulu, \ncukai jalan\n yang luput melebihi tempoh setahun perlu membuat pelbagai pemeriksaan sebelum dibenarkan untuk membuat permohonan \ncukai jalan\n yang baru. Kini, bermula 4 September 2020, kerajaan memberi peluang kepada rakyat untuk \nmemperbaharui cukai jalan\n 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?\n\n\n\n\n1. Bawa Kenderaan Ke PUSPAKOM\n\n\nPerkara pertama yang perlu anda lakukan adalah menghantar kenderaan anda ke \nPejabat PUSPAKOM terdekat\n 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.\n\n\n2. Dapatkan Permit Perjalanan Sementara\n\n\nMemandu 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.\n\n\n3. Pemeriksaan Kenderaan\n\n\nSelepas 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.\n\n\n4. Perbaharui Cukai Jalan Dan Insurans\n\n\nApabila 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.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nDi dalam internet, terdapat pelbagai pilihan \npelan insurans\n dari \nsyarikat insurans yang berbeza\n. Di Fincrew.my anda boleh membuat \nperbandingan insurans kenderaan\n 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!\n\n\nTags:\nCukai Jalan\nInsurans Kenderaan\nInsurans Kereta\nJPJ\nPUSPAKOM\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/10/what-are-some-advantages-of-progressive-car-insurance/", "title": "What Are Some Advantages Of Progressive Car Insurance?", "body": "\n\n\n\nYou might have come across this term \u2013 \nProgressive car insurance\n. If you haven\u2019t, you might find yourself asking, what is this \nProgressive car insurance\n? What are the benefits at all compared to other basic \ninsurance plans\n and coverage?\n\n\nHi and welcome to yet another episode of the Insurance360 Video Series. I\u2019m Stella and I\u2019m Fincrew brand ambassador. Together, we\u2019ll be delving into only some of the numerous benefits that make Progressive car insurance a great idea for your automobile. Dealing with \ncar insurance\n isn\u2019t easy, which is why you need all the help you can possibly get! We\u2019re constantly uploading videos to help you make sense of auto insurance in the country! You don\u2019t 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\u2019s 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\u2019s world is a testament to the fact that it\u2019s reliable and highly dependable. But what exactly do you stand to gain from opting for \nProgressive auto insurance\n?\n\n\nIt Offers Ease Of Access And Use\n\n\nFor vehicle owners who aren\u2019t too familiar with auto insurance and the internet, \nProgressive auto insurance\n 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\u2019re requesting a free quote! For instance, you could use your:\n\n\n\n\nPrice bracket or simply find a policy based on what you\u2019re willing to pay,\n\n\nInput data, or you could just use,\n\n\nThe level of your current coverage.\n\n\n\n\nYou Get Convenience And Speed\n\n\nYou won\u2019t find many other places where you can receive a comprehensive \nquote for your auto insurance\n policy within just 6 minutes of providing your details! What\u2019s 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 \nComprehensive coverage\n isn\u2019t the best route to go with your policy due to age or any other factor.\n\n\nAffordability Is Consistently Prioritized\n\n\nLastly 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 \nauto insurance policy\n sounds, it does you no good if you can\u2019t actually buy it.\n\n\n\n\nSo 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!\n\n\nTags:\nAuto Insurance\nCar Insurance\nProgressive Auto Insurance\nProgressive Car Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/11/12/fallen-trees-damaged-my-car/", "title": "Fallen Trees Damaged My Car", "body": "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\u2019s 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\u2019t change the fact that the tree damaged your car. Do you have the right to \nfile a claim\n to the insurance company\n and receive compensation for the damages? That is what we are trying to clarify in this article.\n\n\n\n\nCan I Claim For Damage If A Tree Falls On My Vehicle?\n\n\nYes, there are \ninsurance policies\n that allow you to \nfile a claim\n for damage in these situations. We will focus on two different policy types that exist:\n\n\n\n\nThird-party\n\n\nComprehensive\n\n\n\n\nLet\u2019s get the bad news out of the way first. If you have a third-party \ninsurance policy\n, there is no way for you to claim the damage from a \nfallen trees\n. The nature of these policies is that they don\u2019t cover special perils, which means you need to look for an alternative. If you have a \ncomprehensive policy\n, there are still other conditions to fulfill before filing a claim. Apart from a comprehensive \ninsurance deal\n, it would help if you also had an add-on that covers special perils. That means the comprehensive policy doesn\u2019t cover damages from \nfallen trees\n 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.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nHow Much It Costs to Acquire A Special Perils Add-On?\n\n\nIt depends on the insurance agency, but this additional premium should be around 0.5% of your \ninsured coverage\n sum. For example, if your \nsum insured\n 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.\n\n\n\n\nDo I Have Any Alternative For Damage Compensation?\n\n\nIf 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\u2019t 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 \nprivate property\n. That will give you an option to \nfile a claim\n against the property owner.\n\n\nTags:\nComprehensive Coverage\nCoverage\nInsurance Claims\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/04/25/everything-you-need-to-know-about-bankruptcy-in-malaysia/", "title": "Everything You Need To Know About Bankruptcy In Malaysia", "body": "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\u2019ll be detailing everything from what bankruptcy is to how it affects your credit report.\n\n\nWhat Is Bankruptcy In Malaysia?\n\n\nA \ndebtor\n 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.\n\n\nRequirements a Person Must Meet Before They Can Be Declared Bankrupt\n\n\nSome criteria that need to be met are;\n\n\n\n\nThe individual must be unable to pay back a sum of RM30,000.\n\n\nThe sum owed must be ascertainable. It means that the credit must be a liquidated sum.\n\n\nThe debt must have defaulted for at least six months first.\n\n\nThe \ndebtor\n must have resided in Malaysia for at least 12 months.\n\n\n\n\nFor many, the question is, once a person has finally been declared bankrupt, how long will this fact remain in their credit report? We\u2019ll be delving into that now!\n\n\nHow Long Will, a Bankruptcy Record, Remain Visible On a Debtor\u2019s Credit Report?\n\n\nThis record will remain visible on all \ncredit reports\n obtained until two years after full payment must\u2019ve lapsed. In addition to this, it takes CTOS up to 14 working days to update the new information in their database.\n\n\nDocuments Needed To Effect The Update\n\n\nThis update won\u2019t 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\u2019ll be required to tender to that end include;\n\n\n\n\nA letter of settlement for legal matters or cases.\n\n\nA release letter from MDI effectively frees you from the \nbankruptcy\n claim.\n\n\n\n\nWhat Happens To a Bankrupt In Malaysia\n\n\nAnyone who has filed for \nbankruptcy\n and had the claim approved is referred to as a bankrupt. Some things that may happen to such individuals include but aren\u2019t restricted to:\n\n\n\n\nAssign to the Director-General of \nInsolvency\n or DGI.\n\n\nHave a travel ban imposed on them.\n\n\nHave restrictions imposed on their credit line.\n\n\nHave to forfeit their assets.\n\n\nHave employment restrictions placed on them due to the policies of several professional organizations and licensing bodies.\n\n\n\n\nHow To Deal With Bankruptcy\n\n\nWhile becoming bankrupt is a grave situation, it\u2019s 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\u2019ll take a lot of discipline and hard work, but there\u2019s no doubt that it\u2019s certainly doable if you put your mind to it.\n\n\nTags:\nAdjudication Order\nAKPK\nBankruptcy\nCredit and Debt Management Agency\nCTOS\nDGI\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/06/27/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%84%e7%a7%8d%e7%b1%bb/", "title": "\u6c7d\u8f66\u4fdd\u9669\u7684\u79cd\u7c7b \uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u6c7d\u8f66\u4fdd\u9669\u662f\u4ec0\u4e48\uff1f\u5230\u5e95\u6709\u591a\u5c11\u79cd\u6c7d\u8f66\u4fdd\u9669\u5462\uff1f\u4e3a\u4ec0\u4e48\u8f66\u4e3b\u5fc5\u987b\u8d2d\u4e70\u8f66\u9669\u5462\uff1f\u76f8\u4fe1\u901a\u8fc7\u524d\u51e0\u4e2a\u89c6\u9891\uff0c\u5927\u5bb6\u90fd\u77e5\u9053\u8981\u5728\u9a6c\u6765\u897f\u4e9a\u5f00\u8f66\uff0c\u9664\u4e86\u9700\u8981\u6709\u6548\u7684\u9a7e\u7167\u548c\u9053\u8def\u7a0e\u4e4b\u5916\uff0c\u5c31\u662f\u9700\u8981\n\u6c7d\u8f66\u4fdd\u9669\n\uff01\u6c7d\u8f66\u4fdd\u9669\u662f\u5fc5\u987b\u5148\u8d2d\u4e70\u624d\u80fd\u7f34\u4ed8\u9053\u8def\u7a0e\u7684\u3002\u6240\u4ee5\uff0c\u4e3a\u6c7d\u8f66\u6295\u4fdd\u662f\u4e00\u4ef6\u5f3a\u5236\u6027\u7684\u4e8b\u60c5\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u4ece\u957f\u8fdc\u6765\u770b\uff0c \u8d2d\u4e70\u8f66\u9669\u6700\u5927\u597d\u5904\u5c31\u662f\u8ba9\u4f60\u5728\u53d1\u751f\u4e8b\u6545\u540e\uff0c\u4f60\u53ef\u4ee5\u65e0\u540e\u987e\u4e4b\u5fe7\uff0c \u65e0\u9700\u4e3a\u4e8b\u6545\u800c\u9020\u6210\u8fc7\u5927\u7684\u635f\u5931\uff0c\u56e0\u4e3a\u4fdd\u9669\u516c\u53f8\u4f1a\u4f9d\u636e\u4e0d\u540c\u7684\u60c5\u51b5\u800c\u8fdb\u884c\u7406\u8d54\u3002\n\n\n\n\n\u5728\u77e5\u9053\u6c7d\u8f66\u4fdd\u9669\u7684\u597d\u5904\u540e\uff0c\u5c31\u662f\u9009\u62e9\u9002\u5408\u7684\u4fdd\u9669\u914d\u5957\u3002\u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u4e3b\u8981\u6709\u4e09\u5927\u79cd\u7c7b\u3002\u5176\u4e2d\u5c31\u5305\u62ec\u4e86\uff1a3\u53f7\u4fdd\u9669 \uff083rd party Car Insurance\uff09\u30012 \u53f7\u4fdd\u9669\uff08Third Party, Theft and Fire Car Insurance) \u548c \u7efc\u5408\u578b\u4fdd\u9669\uff08comprehensive car Insurance\uff09\u3002\u90a3\u73b0\u5728\u6211\u4eec\u7b80\u5355\u5730\u89e3\u91ca\u8fd9\u4e09\u79cd\u7c7b\u578b\u7684\u6c7d\u8f66\u4fdd\u9669\u3002\u9996\u5148\uff0c3\u53f7\u4fdd\u9669\u5c31\u662f\u6211\u4eec\u6240\u8bf4\u7684 3rd party Car Insurance\u30023rd party \u987e\u540d\u601d\u4e49\u5c31\u7b2c\u4e09\u65b9\u3002\u6b64\u8f66\u9669\u4ec5\u9650\u4e8e\u7b2c\u4e09\u65b9\u672c\u8eab\u548c\u5176\u6c7d\u8f66\u3002\u8f66\u4e3b\u672c\u8eab\u65e0\u6cd5\u7d22\u53d6\u7406\u8d54\u3002\u8fd9\u4e2a\u8f66\u9669\u4e5f\u662f\u5728\u8fd9\u4e09\u4e2a\u4fdd\u9669\u5f53\u4e2d\u6700\u4fbf\u5b9c\u7684\uff0c\u56e0\u4e3a\u53d1\u751f\u4e8b\u6545\u540e\uff0c\u53ea\u4f1a\u4e3a\u7b2c\u4e09\u65b9\u548c\u5176\u6c7d\u8f66\u6240\u9020\u6210\u635f\u5931\u8fdb\u884c\u7406\u8d54\u3002\u7b2c\u4e8c\u79cd\u5c31\u662f2 \u53f7\u4fdd\u9669\uff0c\u4e5f\u5c31\u662f\u6211\u4eecThird Party, Theft and Fire Car Insurance\u3002\u9664\u4e86\u50cf3\u53f7\u4fdd\u9669\u7684\u8986\u76d6\u8303\u56f4\u4e4b\u5916\uff0c\u8fd9\u4e2a\u4fdd\u9669\u6dfb\u52a0\u4e00\u4e9b\u56e0\u76d7\u7a83\u6216\u706b\u707e\u56e0\u7d20\u800c\u9020\u6210\u7684\u635f\u5931\u800c\u8fdb\u884c\u7406\u8d54\u3002\u4f46\u662f\u6b64\u4fdd\u9669\u5e76\u4e0d\u5305\u62ec\u56e0\u8f66\u7978\u53d1\u751f\u540e\uff0c\u5bf9\u8f66\u4e3b\u672c\u8eab\u6216\u6c7d\u8f66\u8fdb\u884c\u7406\u8d54\u3002\n\n\n\u6700\u540e\u4e00\u4e2a\u4e5f\u5c31\u662f\u7efc\u5408\u578b\u4fdd\u9669\u53c8\u6216\u662f1\u53f7\u4fdd\u9669\uff0c\u5c31\u662f\u5927\u5bb6\u719f\u77e5\u7684 comprehensive \ncar Insurance\n\u3002\u8fd9\u4e2a\u4fdd\u9669\u662f\u4e3a\u4e86\u5f97\u5230\u66f4\u5b8c\u5584\u7684\u4fdd\u969c\u3002\u8fd9\u4e2a\u4fdd\u9669\u7684\u8986\u76d6\u8303\u56f4\u5c31\u662f\u7efc\u5408\u4e862\u53f7\u548c3\u53f7\u4fdd\u9669\uff0c\u518d\u52a0\u4e0a\u8f66\u4e3b\u7684\u6c7d\u8f66\u3002\u4e00\u822c\u4e0a\uff0c\u7efc\u5408\u6027\u4fdd\u9669\u90fd\u4f1a\u6bd4\u8f83\u8d35\uff0c\u539f\u56e0\u662f\u56e0\u4e3a\u6b64\u4fdd\u9669\u7684\u7406\u8d54\u8986\u76d6\u8303\u56f4\u6bd4\u5176\u4ed6\u4fdd\u9669\u7684\u8986\u76d6\u8303\u56f4\u8fd8\u6765\u7684\u66f4\u5e7f\u4e00\u4e9b\u3002\u5e0c\u671b\u901a\u8fc7\u4eca\u5929\u7684\u89c6\u9891\uff0c\u4f60\u5df2\u7ecf\u660e\u767d\u57fa\u672c\u7684\u8f66\u9669\u79cd\u7c7b\uff0c\u4e5f\u53ef\u4ee5\u597d\u597d\u8003\u8651\u54ea\u4e00\u4e2a\u79cd\u7c7b\u7684\u8f66\u9669\u66f4\u9002\u5408\u4f60\uff01\n\n\n\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\nComprehensive Coverage\nFire and Theft Cover\nThird Party Insurance\n\u6c7d\u8f66\u4fdd\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/10/21/adakah-insurans-kereta-menanggung-kerosakan-tayar/", "title": "Adakah Insurans Kereta Menanggung Kerosakan Tayar", "body": "\n\nKita semua tentu sudah tahu apa yang boleh diharapkan pelbagai polisi \ninsurans kereta\n sekiranya kita terlibat dalam kemalangan atau kenderaan tersebut dicuri atau rosak. Tapi, bagaimana pula dengan perkara-perkara kecil? Bolehkah \ninsurans kereta\n merangkumi kos perbelanjaan seperti tayar yang rosak? Ketahui tentangnya dan banyak lagi dalam episod hari ini dari siri Video Insurans360!\n\n\nSelamat 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 \u2018Subscribe\u2019 saluran kami dan aktifkan notifikasi untuk menerima video terbaru dari kami. Jika anda sudah melakukannya, mari kita lihat isi dari video hari ini.\n\n\nPolisi Insurans Kereta Menanggung Kerosakan Tayar?\n\n\nSama 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. \nPolisi insurans\n 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.\n\n\nSebagai contoh, jika lokasi geografi anda mempunyai banyak lubang dan keadaan jalan yang teruk dipertimbangkan semasa anda mengambil polisi, pelindungan seperti \ninsurans Komprehensif\n 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 \npolisi insurans kereta Pihak Ketiga\n, Kebakaran dan Kecurian atau polisi Komprehensif.\n\n\n\n\nIni 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, \nPolisi insurans kereta Pihak Ketiga\n, 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 \ninsurans\n mungkin menawarkan pakej-pakej tambahan yang boleh anda ambil yang akan memberikan pelindungan kepada anda untuk situasi seperti ini.\n\n\nTags:\nInsurans Auto\nInsurans Kenderaan\nInsurans Kenderaan Pihak Ketiga\nInsurans Kereta\nPolisi Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/05/05/cash-loss-in-car-insurance-claims/", "title": "Cash Loss In Car Insurance Claims", "body": "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 \ncash loss\n as an option for your settlement with the \ninsurance company\n. It\u2019s 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.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat Is Cash Loss In Car Insurance Claims Means?\n\n\nIf we explain \ncash loss\n settlements adequately, it\u2019s vital to set the basics first. Now, let\u2019s say that there has been an accident, and you \nfiled an insurance claim\n. It\u2019s time to settle with the \ninsurance company\n, and they can offer you three settlement options. Those options include:\n\n\n\n\nPaying the sum required to replace your vehicle\n\n\nReplacing or reinstating your vehicle\n\n\nPaying the sum that compensates for the damages or vehicle loss without repairing the car.\n\n\n\n\nThe 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.\n\n\nWhen Can You Get A Cash Loss Offer?\n\n\nA cash loss settlement is frequent if your car has suffered a constructive total loss in the accident. A \ntotal loss\n occurs when the required repair goes over 75% of the vehicle\u2019s 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 \ninsurance policy\n. Now, it\u2019s 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\u2019t require you to repair the vehicle for that money \u2013 instead, you can use it to purchase a new car yourself.\n\n\nThe 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 \ninsurance company\n 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.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nHow To File An Insurance Claim\n\n\nThe 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:\n\n\n\n\nTake photos of the accidents, write down the culprit\u2019s license plates, look for witnesses and ask them to support your \nclaim\n if necessary.\n\n\nFile a police report if required.\n\n\nReach out to the insurance company as soon as possible. Ask about the documents required to \nfile your particular claim\n.\n\n\nMake sure the documents offer \ncomprehensive\n and accurate information.\n\n\n\n\nOnce you \nfile the claim\n, wait for the insurance company to assess it and respond. From there, you can discuss the settlement specifics.\n\n\nTags:\nCar Insurance\nCash Loss\nInsurance Claims\nTotal Loss\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/04/21/what-can-i-do-to-lower-my-auto-insurance-premium/", "title": "What Can I Do To Lower My Auto Insurance Premium?", "body": "\n\n\n\nHave you noticed that what you\u2019re paying as a premium is a little on the high side? Ever wondered if there\u2019s anything you could do about that? Well, worry no more! By the time you\u2019re done watching this video, you\u2019ll know virtually all you need to know to reduce or eliminate the cause of those high premiums!\n Auto insurance\n is the financial buffer you fall back on when the worst happens, and you have to pay for the cost of \nrepairs and other expenses\n. So even without being mandated by law, getting \ninsurance\n for your vehicle is a pretty smart move. But how do you deal with that pesky high \ninsurance premium\n problem? Just follow our lead!\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nHi! I\u2019m Stella, product ambassador of Fincrew, and today, I\u2019ll 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\u2019t want to miss out on the action, quickly hit that Subscribe button and enable the notifications right away! Now that you\u2019ve got that out of the way let\u2019s jump right in. So quick question\u2013how do you successfully reduce the high cost of your premiums? Here are some practical practices and tips for you to follow!\n\n\nTip Number 1\u2013 Compare Rates\n\n\nOne 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 \npremium rates between insurers\n. The great thing about premiums is that they aren\u2019t set in stone. So prices can vary greatly from one \ninsurance company\n to another. You can use this to your advantage and simply pick the most pocket-friendly premium!\n\n\nTip Number 2\u2013Make Your Deductibles Higher\n\n\nBefore you say it, we already know what you\u2019re thinking; getting higher deductibles is counter-productive to your goal of reducing \ninsurance premium costs\n. In reality, that is far from true! Let us explain. Basically, your deductible is what you have to pay before your \ninsurance coverage policy\n becomes active. Now, what many vehicle owners don\u2019t 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 \u2013 40% reduction in your \nThird Party\n or Third Party, Fire and Theft coverage premiums! Great, right?\n\n\nBut there\u2019s just one SMALL catch \u2013 To properly use this tactic, you need to make sure you\u2019ve got enough funds set aside in the event, you have to \nfile a claim\n.\n\n\nNumber 1: Consider Reducing Coverage on Older Cars\n\n\nAgain, we know; you mightn\u2019t 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.\n\n\nNumber 2: Take Advantage of Discounts\n\n\nWith \nauto insurance\n, 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.\n\n\nFincrew.my provides some of the most competitive premium rates you\u2019ll 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\u2019t forget to Like it and Subscribe to our channel! See you in our next video!\n\n\n\u00a0\n\n\n\n\nFincrew Official Youtube\n\n\nTags:\nFire and Theft Cover\nInsurance Premiums\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/04/18/comprehending-the-essentials-of-commercial-property-insurance/", "title": "Comprehending The Essentials Of Commercial Property Insurance", "body": "You may find it challenging to think about devastating events that can happen to your business, but sometimes it\u2019s 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, \nthefts\n, wind damage, or even the collapse of a building due to heavy snowfall.\n\n\nWhat\u2019s Commercial Property Insurance?\n\n\nA \ncommercial property insurance\n policy covers your business\u2019s physical assets in the event of a fire, explosion, burst pipe, storm, theft, or vandalism. However, most \ncommercial property insurance\n policies don\u2019t cover earthquakes and floods unless those perils are added to the procedure.\n\n\nUnderstanding Commercial Property Insurance\n\n\nIf your \nbusiness\n 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\u2019 protection for their clients is typically similar to property insurance. The value of a business\u2019s 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 \nrisk\n weather-related catastrophes.\n\n\nHow Much Does Commercial Property Insurance Cost?\n\n\nThe 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:\n\n\n\n\nLocation: Are storms or other natural disasters likely in this area?\n\n\nConstruction: Do you have a fireproof building? Are the electrical systems, plumbing, and HVAC systems new or upgraded?\n\n\nOccupancy: What is your industry? Generally, realtor offices carry less risk than restaurants or repair shops.\n\n\nFire and theft\n 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?\n\n\n\n\nHow To Choose An Insurance Provider\n\n\nBusinesses with successful \ninsurance providers\n can tailor a range of policy options to fit their needs, making obtaining the coverage they need easier. To find the best \ninsurance provider\n, consider the following:\n\n\n\n\nLevel of service: An excellent \ninsurance provider\n 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.\n\n\nFinancial\n 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.\n\n\nRisk management:\n 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.\n\n\n\n\nAre 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.\n\n\nTags:\nCommercial Property Insurance\nInsurance Coverage\nProperty Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/02/vtl-and-travel-insurance-requirements/", "title": "VTL And Travel Insurance Requirements", "body": "Getting away has been on your mind \u2013 the excitement of checking into the departure hall, the aroma when you step onto the plane, and the breathtaking view from the window. \nVaccinated Travel Lane\n (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 \nVTL\n and \nTravel Insurance requirements\n you should know.\n\n\nVaccinated Travel Lane (VTL) Countries\n\n\nMany countries are now opening their borders to fully vaccinated travellers, thus expanding the list of \nvaccinated travel lane\n (VTL) countries. The list of some of these countries is below. Enjoy quarantine-free travel to these \nVTL\n countries (as of the 7th of December 2021):\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n \n\n\n\n\n\n\n\n\nAustralia\n\n\n\n\n\n\nGermany\n\n\n\n\n\n\nSpain\n\n\n\n\n\n\nBrunei\n\n\n\n\n\n\nIndia\n\n\n\n\n\n\nSri Lanka\n\n\n\n\n\n\n\n\n\n\nCambodia\n\n\n\n\n\n\nIndonesia\n\n\n\n\n\n\nSweden\n\n\n\n\n\n\nCanada\n\n\n\n\n\n\nItaly\n\n\n\n\n\n\nSwitzerland\n\n\n\n\n\n\n\n\n\n\nDenmark\n\n\n\n\n\n\nMalaysia\n\n\n\n\n\n\nThailand\n\n\n\n\n\n\nFiji\n\n\n\n\n\n\nMaldives\n\n\n\n\n\n\nTurkey\n\n\n\n\n\n\n\n\n\n\nFinland\n\n\n\n\n\n\nNetherlands\n\n\n\n\n\n\nUnited Kingdom\n\n\n\n\n\n\nFrance\n\n\n\n\n\n\nSouth Korea\n\n\n\n\n\n\nUnited States of America\n\n\n\n\n\n\n\n\n\n\n\n\nIn 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\u2019s equivalent of the Ministry of Health for the approved providers of COVID-19 PCR tests.\n\n\nDo I Need To Be Fully Vaccinated To Travel?\n\n\nPassengers who are fully vaccinated won\u2019t 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.\n\n\nDo I Need COVID-19 Travel Insurance?\n\n\nIt\u2019s wise to \nbuy travel insurance\n before COVID-19, but isn\u2019t 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 \nforeigners buy travel insurance with Covid-19\n medical expense \ncoverage\n before entering the country.\n\n\nConclusion\n: there is no doubt that Covid-19 coverage is now under most travel \ninsurance companies\n 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.\n\n\nIn 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.\n\n\n\n\nWhat Happens If You Get COVID-19 After Returning?\n\n\nYou should first check whether COVID-19 is under your travel \ninsurance\n. You must notify travel insurance providers such as \nRHB\n, \nAXA\n and \nZurich\n within 14 to 30 days of receiving COVID-19 to qualify for benefits. After that, you should submit an online claim via your insurer\u2019s mobile app or website with the appropriate documents:\n\n\n\n\nA note from your doctor informing you that you caught COVID-19 and need treatment\n\n\nThe boarding pass or flight itinerary\n\n\nInpatient discharge summary or medical report\n\n\nThe original medical bills\n\n\n\n\nTags:\nCOVID-19\nTravel Insurance\nVaccinated Travel Lane\nVTL\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/23/6-things-to-know-before-getting-a-personal-loan/", "title": "6 Things To Know Before Getting a Personal Loan", "body": "When taking out your first \npersonal loan\n, 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\u2019s discuss what you should know before you apply:\n\n\nCredit History And Score\n\n\nYou demonstrate to lenders that you pay off your credit obligations on time if your credit score and credit history are good. An excellent \ncredit score\n will increase obtaining a loan with favourable terms. You can save thousands of money over the \nloan\u2019s\n lifetime by getting the best times.\n\n\nInterest Rate\n\n\nSeveral 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\u2019ll get the lowest rate when you have an excellent or good credit score and choose the shortest repayment term.\n\n\nIs It Affordable For Me To Make The Monthly Payment?\n\n\nPersonal loans\n 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\u2019t spend more than 35% to 43% of their income on debt, such as mortgages, car loans, and \npersonal loans\n. So, if you earn RM4,000 each month, you should ideally keep your total debt obligations at or under RM1,720 each month.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nWhen Do You Need The Funds?\n\n\nFunds from some \npersonal loan\n 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.\n\n\nAre There Fees Associated With The Personal Loan?\n\n\nMost 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.\n\n\nEmployer\u2019s Contact Details\n\n\nMost likely, you\u2019ll have to provide your current employer\u2019s 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.\n\n\nCompare Personal Loan In Fincrew\n\n\nFinal Thought\n\n\nThere are many advantages to \ngetting a personal loan\n 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 \nhurting your credit score\n by making a soft inquiry on the lender\u2019s 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.\n\n\nTags:\nAPR\nCredit Score\nDebt To Income\nInterest Rate\nPersonal Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/03/personal-accident-insurance-coverage/", "title": "Personal Accident Insurance Coverage", "body": "Personal accident insurance\n protects you from accidents resulting from no fault of your own, which another person\u2019s 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.\n\n\n\n\nWhich Incidents Are Covered By Personal Accident Insurance?\n\n\nMany \npersonal accident insurance\n policies cover\n injuries and accidents, but the exact coverage depends on the policy you choose. It typically covers incidents by individual accident policies include:\n\n\n\n\nAccidents or injuries occurring at work\n\n\nA \nroad traffic accident\n that results in an injury or death (with no fault assigned)\n\n\nAccidents caused by slips and spills\n\n\nLoss of (or inability to use) any body part\n\n\n\n\nWhy Do You Need Personal Accident Insurance?\n\n\nIt is essential to consider personal accident insurance\n if you are a self-employed person. You may lack the benefits of a company \ninsurance\n policy if you\u2019re 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 \npersonal accident insurance\n 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.\n\n\nWhat Is The Coverage In A Personal Accidental Insurance Policy?\n\n\nWith a personal accident insurance policy, you can receive the following coverage benefits:\n\n\nAccidental Death Cover\n\n\nAccidental \ndeath insurance\n is intended for dependent family members not to experience a tragic accident\u2019s 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.\n\n\nPermanent/total Disability Cover\n\n\nIn case of disability or \ntotal loss\n, the company will pay a specific sum insured if the policyholder suffers permanent impairment.\n\n\nPermanent Partial Disability Cover\n\n\nAn insured person is entitled to a percentage of the benefits (up to 100%) if bodily injuries result in permanent partial disability.\n\n\nTemporary Total Disability\n\n\nIn 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.\n\n\nWhat Personal Accident Insurance Covers And What It Doesn\u2019t?\n\n\nKnowing the terms\n and conditions of such a policy before you purchase it always works in your favour. Let\u2019s look at the inclusions and exclusions:\n\n\n\n\n\n\n\n\nInclusion\n\n\nExclusion\n\n\n\n\n\n\nAccidental death\n\n\nNatural death\n\n\n\n\n\n\nTotal/partial disability that is permanent\n\n\nDisability or injury that exists before the damage occurs\n\n\n\n\n\n\nDismemberment by accident\n\n\nHaving a child or being pregnant\n\n\n\n\n\n\nHospitalization costs/medical expenses\n\n\nSuicides or self-inflicted injuries\n\n\n\n\n\n\nSupport for education of children\n\n\nNon-allopathic treatments\n\n\n\n\n\n\nLife support benefit\n\n\nInfluence of intoxicants\n\n\n\n\n\n\n\n\nTags:\nAccidental Death\nCoverage\nPermanent Partial Disability\nPersonal Accident Insurance\nTemporary Total Disability\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/09/27/%e4%bd%a0%e5%ba%94%e8%af%a5%e6%9b%b4%e6%8d%a2%e4%bd%a0%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8%e5%90%97/", "title": "\u4f60\u5e94\u8be5\u66f4\u6362\u4f60\u7684\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u5417\uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u8bb8\u591a\u4eba\u5728\u4e60\u60ef\u4e00\u5bb6\n\u4fdd\u9669\u516c\u53f8\n\u540e\uff0c\u5e76\u4e0d\u592a\u4f1a\u66f4\u6362\u4ed6\u4eec\u7684\n\u4fdd\u9669\u516c\u53f8\n\uff0c\u56e0\u4e3a\u53ef\u80fd\u5df2\u7ecf\u4e60\u60ef\u4fdd\u9669\u516c\u53f8\u7684\u670d\u52a1\u6216\u662f\u4e0d\u60f3\u529e\u590d\u6742\u7684\u8f6c\u6362\u624b\u7eed\u3002\u4f46\u4e5f\u56e0\u6b64\uff0c\u5f88\u6709\u53ef\u80fd\u4f1a\u7f34\u4ed8\u8fc7\u591a\u7684\u4fdd\u9669\u8d39\u548c\u9519\u8fc7\u66f4\u597d\u7684\u914d\u5957\u3002\u6240\u4ee5\u4eca\u5929\u6211\u4eec\u5c31\u4e00\u8d77\u6765\u63a2\u8ba8\u4f60\u662f\u5426\u9700\u8981\u6362\u4fdd\u9669\u516c\u53f8\u548c\u4e00\u4e9b\u6ce8\u610f\u4e8b\u9879\u3002\u66f4\u6362\u4fdd\u9669\u516c\u53f8\u7684\u6700\u5927\u597d\u5904\uff0c\u4e5f\u5c31\u662f\u90e8\u5206\u4eba\u6362\u4fdd\u9669\u516c\u53f8\u6700\u5927\u7684\u539f\u56e0\uff0c\u5c31\u662f\u5176\u4ed6\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u63d0\u4f9b\u66f4\u52a0\u591a\u4f18\u60e0\u7684\n\u4fdd\u9669\u914d\u5957\n\u3002\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u76f8\u540c\u7684\u8986\u76d6\u8303\u56f4\uff0c\u4f46\u4fdd\u9669\u8d39\u5374\u6bd4\u8f83\u4f4e\uff0c\u800c\u4e14\u4e5f\u6709\u66f4\u591a\u7684\u597d\u5904\u3002\u597d\u5904\u53ef\u80fd\u5c31\u5305\u62ec\u4e86\u514d\u8d39\u62d6\u8f66\u548c\u66f4\u6362\u8f6e\u80ce\u670d\u52a1\u3001\u514d\u8d3924\u5c0f\u65f6\u9053\u8def\u6551\u63f4\u7b49\u3002\u56e0\u6b64\uff0c\u5728\u66f4\u6362\u4fdd\u9669\u516c\u53f8\u524d\uff0c\u8f66\u4e3b\u90fd\u8981\u4e8b\u5148\u505a\u597d\u529f\u8bfe\uff0c\u4e86\u89e3\u5404\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u5229\u4e0e\u5f0a\uff0c\u5217\u4e0b\u4f60\u5bf9\n\u4fdd\u9669\u914d\u5957\n\u7684\u8981\u6c42\uff0c\u518d\u8fdb\u884c\u8bc4\u4f30\u548c\u8003\u8651\u662f\u5426\u9700\u8981\u66f4\u6362\u4fdd\u9669\u516c\u53f8\u3002\u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u6c7d\u8f66\u4e3a\u4eba\u4eec\u4ee3\u6b65\u662f\u4e00\u4ef6\u975e\u5e38\u666e\u904d\u7684\u4e8b\u60c5\u3002\u800c\u8f66\u9669\u4e5f\u662f\u5728\u62e5\u6709\u8f66\u5b50\u524d\uff0c\u4e00\u4ef6\u5fc5\u8981\u7684\u4e8b\u60c5\u3002\u4e00\u822c\u4e0a\uff0c\u5927\u5bb6\u4f1a\u60f3\u5230\u6362\u4fdd\u9669\u516c\u53f8\u7684\u53e6\u4e00\u4e2a\u539f\u56e0\u5c31\u662f\u4fdd\u9669\u516c\u53f8\u6548\u7387\u4f4e\u3001\u670d\u52a1\u5dee\u3001\u7a0b\u5e8f\u590d\u6742\u3002 \u591a\u6570\u4eba\u90fd\u4f1a\u6bd4\u8f83\u503e\u5411\u4e8e\u89c4\u6a21\u8f83\u5927\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u56e0\u4e3a\u5927\u89c4\u6a21\u4fdd\u9669\u516c\u53f8\u4eba\u529b\u8d44\u6e90\u5145\u8db3\u3001\u529e\u4e8b\u6548\u7387\u9ad8\u3001\u670d\u52a1\u6001\u5ea6\u826f\u597d\u3002\u540c\u65f6\uff0c\u4ed6\u4eec\u4e5f\u63d0\u4f9b\u65b9\u4fbf\u7b80\u6d01\u7684\u7a0b\u5e8f\u8ba9\u8f66\u4e3b\u6216\u662f\u6295\u4fdd\u4eba\u66f4\u5bb9\u6613\u5b8c\u6210\u7406\u8d54\u6216\u662f\u7eed\u4fdd\u7a0b\u5e8f\u3002\n\n\n\n\n\u518d\u6765\uff0c\u5c31\u662f\u4fdd\u9669\u516c\u53f8\u4e4b\u95f4\u7684\u7ade\u4e89\u5f3a\u70c8\u3002\u5c31\u56e0\u4e3a\u5982\u6b64\uff0c\u4fdd\u9669\u516c\u53f8\u4e5f\u4f1a\u4e0d\u65ad\u63a8\u51fa\u65b0\u7684\u4f18\u60e0\u914d\u5957\u4ee5\u7b26\u5408\u5927\u5bb6\u9700\u6c42\u3002\u5047\u8bbe\u4f60\u66f4\u6362\u804c\u4e1a\uff0c 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{"url": "https://blog.fincrew.my/2022/07/26/apakah-jenis-diskaun-untuk-insurans-auto/", "title": "Apakah Jenis Diskaun Untuk Insurans Auto?", "body": "\n\nMasanya sudah tiba lagi untuk tahun ini, dan anda sedang bersiap sedia untuk \nmemperbaharui insurans kenderaan\n 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!\n\n\nAnda perlu memiliki insurans supaya dapat memandu di negara ini. Bagaimanapun, anda mungkin mendapati kos standard untuk membiayai \ninsurans kenderaan\n adalah agak tinggi. Harga ini boleh menjadi lebih murah jika anda dapat memanfaatkan banyak ciri diskaun di hujung jari anda! Beberapa diskaun \ninsurans auto\n yang perlu anda tahu adalah:\n\n\nDiskaun Pemanduan Defensif\n\n\nInsurans 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 \nsyarikat insurans\n. Apa yang perlu anda lakukan adalah mendapatkan sijil kelulusan dari sekolah memandu dan anda sudah bersedia!\n\n\nDiskaun Memandu Tanpa Kemalangan\n\n\nSeperti yang kami nyatakan tadi, dengan insurans segalanya berkaitan dengan risiko. Atas sebab ini, jika anda mempunyai rekod memandu tanpa pernah \nkemalangan\n, 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, \u2018standard\u2019 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.\n\n\nDiskaun \u2018Mileage\u2019 Rendah Dan Penggunaan Kenderaan\n\n\nSalah 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.\n\n\nDiskaun Kesetiaan Pelanggan\n\n\nCiri 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.\n\n\nDiskaun Untuk Kenderaan Berganda\n\n\nAnda 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. \u2018Like\u2019 video ini supaya ketinggalan video seterusnya! \u2018Subscribe\u2019 dan aktifkan notifikasi sekarang supaya anda akan mendapatkannya sebaik saja video disiarkan! Jumpa lagi!\n\n\nTags:\nDiskaun Kesetiaan Pelanggan\nDiskaun Memandu Tanpa Kemalangan\nDiskaun Pemanduan Defensif\nDiskaun Untuk Kenderaan Berganda\nInsurans Auto\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/11/16/malaysia-motor-insurance-pool-mmip/", "title": "Malaysia Motor Insurance Pool (MMIP)", "body": "If most Malaysian drivers and vehicle owners were asked this question, they\u2019d most likely say no. As a concept and an operating system, the \nMalaysia Motor Insurance Pool\n isn\u2019t 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 \ninsurance coverage\n 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 \nauto insurance\n agency online and handle all your details there. However, for some vehicle owners, the process of getting coverage isn\u2019t quite so simple. As such, \nMalaysia \nMotor Insurance\n Pool\n or MMIP for short comes into play.\n\n\nWhat precisely is MMIP, and why is it so important?\n\n\nWhat exactly makes it different from the regular insurance drivers get? We\u2019ll be answering these questions and many more shortly.\n\n\n\n\nWhat It The Malaysia Motor Insurance Pool?\n\n\nPut concisely, it is an \ninsurance\n 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.\n\n\nFor 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 \ninsurance coverage\n 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\u2019t 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\n (\nMMIP) was specifically created to cater for vehicles that pose a higher than normal level of risk.\n\n\nWhy Is It Important?\n\n\nIn Malaysia, regardless of how old your vehicle is or what the situation is, you must have vehicle insurance\u2013if you want to be able to use the roads freely. \nMMIP\n 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\u2019t be possible for them to stay on the road. \nMMIP\n was specially created to cater to vehicles that other insurers won\u2019t provide insurance for so they can get coverage with relative ease.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhat Type Of Coverage Policy Does Malaysia Motor Insurance Pool Offer?\n\n\nSimilar to normal insurance, regular drivers have access to, Malaysia Motor Insurance Pool\n (\nMMIP) also offers access to packages like the basic \nThird Party insurance\n and Comprehensive insurance coverage.\n\n\nConclusion\n\n\nMalaysia Motor Insurance Pool (MMIP) offers a wider selection of favorable options for automobile owners to choose from. So if you find that the regular \ninsurance packages\n don\u2019t quite fit the bill, you can always check Malaysia Motor Insurance Pool\n (\nMMIP) for something more adequate.\n\n\nTags:\nMalaysia Motor Insurance Pool\nMMIP\nMotor Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/02/23/5-jenis-pelindungan-tambahan-dalam-polisi-insurans-kereta/", "title": "5 Jenis Pelindungan Tambahan Dalam Polisi Insurans Kereta", "body": "Bagi anda yang memiliki kereta, pastinya anda boleh dikatakan sudah biasa dengan proses memperbaharui insurans berserta dengan \ncukai jalan\n setiap tahun. Selalunya untuk pelindungan yang menyeluruh, pemilik kenderaan akan mengambil \npolisi komprehensif\n. Tetapi tahukah anda? Polisi ini sebenarnya tidaklah begitu sempurna. Anda mungkin masih perlu untuk membeli \npolisi tambahan\n lagi bagi mendapatkan pelindungan terbaik. Tetapi ini semua bergantung situasi serta keperluan anda. Berikut merupakan 5 jenis pelindungan tambahan bagi \ninsurans kereta\n:\n\n\n1. Insurans Cermin Hadapan\n\n\nRamai yang menyangka bahawa \npolisi insurans\n komprehensif kereta akan turut merangkumi kerosakan yang berlaku pada cermin hadapan kereta. Sebenarnya, jika anda mahu untuk melindungi cermin hadapan kereta, anda perlu membeli \npolisi tambahan\n. 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 \ninsurans kereta\n anda.\n\n\n2. Rusuhan Dan Mogok\n\n\nKita 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.\n\n\n3. Bencana Alam\n\n\nDi 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.\n\n\n4. Aksesori Kenderaan\n\n\nTidak 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 \nakibat kemalangan\n. 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!\n\n\n5. Legal Liabiliti Undang-Undang\n\n\nTerdapat dua jenis pelindungan yang ditawarkan bagi kategori ini iaitu:\n\n\n\n\nLiabiliti Undang-undang Untuk Penumpang \u2013 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.\n\n\nLiabiliti Undang-undang Kepada Penumpang \u2013 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.\n\n\n\n\n\n\nUntuk menambah pelindungan di atas ke dalam pelan \ninsurans kenderaan\n anda pastinya memerlukan kos tambahan. Layari laman web Fincrew bagi mencari \npelindungan insurans\n terbaik hari ini juga.\n\n\nTags:\nInsurans Cermin Hadapan\nInsurans Kereta\nLiabiliti Undang-Undang\nPelindungan Tambahan\nPolisi Insurans\nRusuhan Dan Mogok\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/06/03/what-is-zero-depreciation-in-auto-insurance/", "title": "What Is Zero Depreciation In Auto Insurance?", "body": "\n\n\n\nInsurance\n lingo can be tough! Still, you\u2019ve got to try to understand it as it is essential. One crucial aspect of \nauto insurance\n vehicle owners aren\u2019t 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\u2019s find out!\n\n\nHello, and welcome. I\u2019m Fincrew brand ambassador, Stella, and you\u2019ll be receiving an extensive rundown of what this insurance is and how it works today. Also, I\u2019ll be letting you know if it\u2019s 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 \ninsurance work\n and repurpose them to your advantage! Don\u2019t forget to enable notifications too! Now that you\u2019ve done that, let\u2019s get to it.\n\n\nIn \nauto insurance\n, 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:\n\n\n\n\nWear and tear,\n\n\nAge, and\n\n\nObsolescence\n\n\n\n\nA 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.\n\n\nZero depreciation\n 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 \nzero depreciation\n 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\u2019ll observe between zero depreciation insurance and your regular insurance are;\n\n\n\n\nYou get a full settlement with zero depreciation while traditional insurance pays out after standard depreciation rates have been deducted.\n\n\nWhat you pay as a premium for zero depreciation is significantly higher than what you pay for regular insurance premiums.\n\n\nWith regular insurance, you\u2019d 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\u2019re on zero depreciation insurance.\n\n\nOnly cars below the age of 3 are eligible for zero depreciation, while that is not the case with regular insurance.\n\n\n\n\nConsidering 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:\n\n\n\n\nYour car is still brand new,\n\n\nYou drive a classic or exotic car,\n\n\nYou\u2019re not a very experienced driver yet,\n\n\nYour area experiences a high frequency of accidents,\n\n\nYour car has very pricey spare parts, and\n\n\nYou don\u2019t like dings and dents on your vehicle at all.\n\n\n\n\nAll in all, be sure you\u2019ve covered your bases before opting for this \nauto insurance\n option. Like this video? Don\u2019t 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!\n\n\n\u00a0\n\n\nFincrew Official Youtube\n\n\nTags:\nAuto Insurance\nNil Depreciation\nZero Depreciation\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/04/20/2022-thailand-pass-test-go-application-guide-for-malaysians/", "title": "2022 Thailand Pass Test & Go Application Guide For Malaysians", "body": "If you haven\u2019t taken it personally, surely you\u2019ve heard tales of those who\u2019ve applied for the \nThailand Pass\n and had to wait days or even weeks to hear back. However, we\u2019ve found a clear and straightforward way Malaysians can apply and get approval within 24 hours! Here, we\u2019ll be highlighting all the tools you\u2019ll need and the steps to take to ensure you encounter minimal, if any, delay.\n\n\nBasic Requirements For Malaysians To Apply Thailand Pass Test & Go Plan\n\n\nBefore anything else, you need to log on to the \nThailand Pass\n website. Another thing you need to know before you proceed is that you need to meet these two essential criteria before the approach we\u2019re about to highlight will work for you;\n\n\n\n\nYou need to be a Malaysian.\n\n\nYou must\u2019ve been fully vaccinated.\n\n\n\n\nIf you\u2019re not Malaysian or haven\u2019t been vaccinated yet, there\u2019s a column on the website you can follow to guide you on what to do.\n\nFor people who meet the two criteria highlighted above, some documents you\u2019ll need to have at the ready include;\n\n\n\n\nA valid ticket to Thailand.\n\n\nYour SHA Extra Hotel invoice or receipt.\n\n\nA valid PCR Test Appointment Invoice of receipt for the First Day in the country (Thailand).\n\n\nA Valid \ntravel insurance plan\n with COVID-19 coverage.\n\n\nA valid MySejahtera Vaccination Certificate.\n\n\nA Malaysian Passport that\u2019s still valid for more than 6 months, at least.\n\n\n\n\nPlease keep in mind that you need to make sure that you have them in JPG format as you\u2019ll 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!\n\n\nStep One \u2013 Pick Your Means Of Arrival\n\n\nAre 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 \u201cNON-Thai\u201d and \u201cEnglish.\u201d This will go a long way in ensuring that all the information that\u2019s subsequently brought to you is the right one for Malaysians.\n\n\nStep Two \u2013 Get Your Travel Insurance With COVID Coverage\n\n\nWe recommend you \ndo that here\n as you\u2019ll get all the flexibility you need to choose the right package for yourself and be cost-effective while you\u2019re at it.\n\n\n\u00a0\n\n\nStep Three \u2013 Familiarize Yourself With Malaysia Border Rules\n\n\nThis step is crucial as it\u2019ll help you order your plans and keep you from getting caught. You can find out all Malaysian regulations regarding travel \nhere\n.\n\n\nStep Four \u2013 Begin The Test & Go Application Process Proper\n\n\nWith all the preamble seen, you can now click on \u201cTest and Go.\u201d Since you\u2019ll be filling in a lot of data here, you\u2019ve got to be especially careful, as even one mistake or oversight could lead to your application being denied or delayed. Here you\u2019ll start by filling the \u201cPurpose of Travel\u201d page. First, input the name of the port you\u2019ll be arriving, don\u2019t forget to include the details of your flight number. Next, you\u2019ll 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\u2019ll move to the next page, where you\u2019ll be asked to supply your \nCOVID-19\n vaccination details. Simply upload that as well. The next page is where you\u2019ll put the details of the hotel you made reservations with. You\u2019ll have to include the invoice of the transaction here. Keep in mind that they\u2019ll 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\u2019ve secured a purchase of your RTK-PCR first-day test. How much you pay for this will vary, depending on where you\u2019re going and what clinic you visit.\n\n\nStep Five \u2013 Check Your Application Status\n\n\nUpon completing all the above steps, you\u2019ll be issued a serial number. This is what you\u2019ll use to check the status of your Thailand Pass application. To avoid any hassle, make sure you don\u2019t lose this information. If you\u2019ve followed all the outlined steps, you\u2019ll have no problems securing approval fast!\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nConclusion\n\n\nAs the process of applying for the \nThailand\n Pass Test and Go Plan is constantly changing, travelers need to stay updated on transpiring events. We\u2019ll 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 \nThailand\n!\n\n\nTags:\nCOVID-19\nThailand\nThailand Pass\nThailand Pass Test & Go\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/04/25/what-should-i-do-if-i-cant-afford-my-car-insurance/", "title": "What Should I Do If I Can\u2019t Afford My Car Insurance?", "body": "\n\n\n\nEvery vehicle owner in Malaysia knows that \ncar insurance\n is like oxygen in the country; so far, you have a car you drive, you simply must have it. However, the nation\u2019s economic situation is continually evolving, and simply put, times are tough. That being said, what\u2019s the way out if you can\u2019t afford to support the current insurance package on your vehicle? More importantly, what should you expect to happen moving forward?\n\n\nHello! I\u2019m Stella, Fincrew brand ambassador, and I\u2019ll be your go-to person for answers in this video. \nCar insurance\n is vital. So, what opportunities can you leverage if you can\u2019t live up to the responsibilities of fulfilling your car\u2019s needs? We\u2019ll 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 \ninsurance\n 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\u2019t miss another episode by hitting the Subscribe button now and enabling the notifications! Got that? Great? Now let\u2019s get started. If you can\u2019t afford the \ncar insurance package\n you\u2019re on right now, here are a few tactics you can employ. First:\n\n\nConsider Comparison Shopping For Better Rates With Online Insurers\n\n\nYou might not know this, but slowly and surely, online \ninsurance companies\n 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 \ninsurers at cheaper rates\n and with greater convenience. You might be surprised to find more than a few \nonline insurers\n who\u2019ll extend you the exact same coverage you have on your vehicle right now at a far more pocket-friendly rate.\n\n\n\n\nTake Advantage Of Discount Features\n\n\nThere 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\u2019t update it after marriage may discover that they\u2019re 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 \ncar insurance package\n. There are several other discounts like this that vehicles don\u2019t 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.\n\n\nConsider The Vehicle\n\n\nSince 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\u2019s more, removing accessories and customized parts can also help you in this department. Now, if you\u2019ve adopted all these measures and you still can\u2019t afford to pay for \nauto coverage\n, your only other option is to park the car and start considering other transportation options as you simply can\u2019t drive in the country without insurance.\n\n\nWe hope this video was helpful! For more informational videos like this, don\u2019t 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!\n\n\nTags:\nAuto Insurance\nCar Insurance Discounts\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/01/what-happens-to-your-cryptocurrency-digital-assets-when-you-die/", "title": "What Happens To Your Cryptocurrency & Digital Assets When You Die?\u00a0 \u00a0", "body": "What happens to your \ncryptocurrency\n value when you die? Do you have any idea? Is it included in your beneficiary\u2019s 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 \ndigital assets\n is like letting it disappear. In case of \ndeath\n, you should take specific steps to ensure you can leave your \ncryptocurrency\n to the people you love in case of death.\n\n\nEnsure Your Cryptocurrency is Safe and Secure, But Make It Accessible\n\n\nCold 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\u2019s good to keep a fireproof safe at home or a safe deposit box at a bank, but don\u2019t 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. \u201cIt seems like a good concept, but it\u2019s a bad one. Once you lose one, you lose them all. So now the risk is tripled.\u201d\n\n\nThe Best Way To Protect Your Heirs\n\n\nTo make sure your cryptocurrency is of value to your loved ones after you die, take the following steps:\n\n\nUpdating Legal Documents\n\n\nRegulation 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\u2019s essential to make sure the beneficiary on each cryptocurrency account is who you want them to be.\n\n\nDraw Up a Will\n\n\nBy \ncreating a will\n, 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 \ndigital assets\n and names a digital executor. If you have never \nwritten a will\n, the first \nthing to know\n is that it is your executor\u2019s 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\u2019s 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.\n\n\n\n\nYou 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\u2019ve selected.\n\n\nTags:\nCrypto Exchange\nCryptocurrency\nDigital Assets\nOnline Will Writing\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/12/20/premium-insurans-kenderaan/", "title": "Premium Insurans Kenderaan", "body": "Adakah anda berminat untuk mendapatkan \ninsurans kereta\n? Tahukah anda, harga premium yang harus anda bayar untuk sesuatu polisi adalah bergantung kepada beberapa faktor? \nPremium insurans kenderaan\n tidak mempunyai \u2018default cost\u2019. Sebaliknya ia dikira secara berasingan untuk mengikut individu. Berikut merupakan faktor-faktor yang boleh mempengaruhi premium anda!\n\n\nJenis Perlindungan\n\n\nPilihan paling asas hanya akan melindungi liabiliti dan ini merupakan \npelan insurans\n 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 \npolisi insurans kenderaan\n anda.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nKereta Apa Yang Ingin Anda Insuranskan?\n\n\nJenis kenderaan yang ingin anda insuranskan akan mempengaruhi harga \npolisi insurans kenderaan\n anda. Premium untuk kenderaan mewah lebih mahal berbanding dengan kenderaan biasa. Walaupun begitu, \nsyarikat insurans\n 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.\n\n\nBerapa Kerap Anda Memandu Dan Ke Mana?\n\n\nMileage kenderaan anda juga akan mempengaruhi \npremium insurans\n. 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.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nMaklumat Peribadi Dan Statistik Pemanduan\n\n\nSelain 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:\n\n\n\n\nUmur\n \u2013 Statistik menunjukkan bahawa kadar kemalangan yang tertinggi adalah melihatkan pemandu yang berumur kurang daripada 25 tahun dan lebih tua daripada 65 tahun.\n\n\nStatus perkahwinan\n \u2013 Pemandu yang telah berkahwin dipercayai lebih bertanggungjawab, ia boleh mengurangkan kos polisi insurans.\n\n\nSejarah pemanduan\n \u2013 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.\n\n\n\n\nAkhir sekali, jika anda bercadang untuk menginsuranskan beberapa buah kenderaan serentak, selalunya anda akan berpeluang untuk menerima diskaun. Kos untuk \npremium insurans kenderaan\n bagi kenderaan kedua akan dikurangkan.\n\n\nTags:\nInsurans Kereta\nPolisi Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/10/13/membuat-tuntutan-no-fault-own-damage/", "title": "Membuat Tuntutan No Fault Own Damage", "body": "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 \ntuntutan\n kepada pihak \ninsurans\n?\n\n\n\n\n1. Siapa Yang Langgar?\n\n\nPerkara 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 \ntuntutan insurans\n daripada pelaku tersebut.\n\n\n2. Tidak Tahu Siapa Pelaku?\n\n\nBagi 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 \u2018\nNo\n Fault Own Damage\n\u2019 (NFOC) dari \nsyarikat insurans\n anda. Adakah ini akan menyebabkan anda kehilangan \u2018No \nClaim\n Bonus\u2019 dalam polisi insurans? Jawapannya, tidak. Ini kerana kemalangan yang berlaku ini bukan disebabkan oleh salah anda.\n\n\n3. Hubungi Syarikat Insurans\n\n\nAnda 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 \nmemfailkan tuntutan\n \nNo Fault Own Damage\n (NFOC) adalah :\n\n\n\n\nTuntutan rasmi daripada syarikat insurans\n\n\nSalinan asal laporan polis\n\n\nSalinan asal hasil siasatan polis\n\n\nSalinan kad pengenalan\n\n\nSalinan lesen\n\n\nKad pendaftaran kenderaan terkini\n\n\nResit bagi kos pembaikan\n\n\nGambar kerosakan kenderaan sewaktu kemalangan tersebut berlaku (jika ada)\n\n\n\n\n4. Ketahui Kos Baik Pulih\n\n\nSetiap bengkel panel akan mempunyai pelaras kerugian berlesen bebas (independent licensed adjuster) yang akan menilai segala kos kerosakan yang dialami \nakibat kemalangan\n 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 \u2018\nCompensation for the Actual Repair Time\n\u2019 (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.\n\n\n5. Tidak Bertangguh\n\n\nJangan berlengah untuk melaporkan \ntuntutan kepada syarikat insurans\n. 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.\n\n\nMalang itu tidak berbau, tetapi kita boleh mengambil langkah berjaga-jaga bagi mengelakkan masalah yang lebih besar. Contohnya dengan mengambil \npelindungan insurans kenderaan\n komprehensif. Anda boleh mula membandingkan sebut \nharga insurans\n kenderaan di Fincrew.my. Laman ini mempunyai pelbagai \npolisi insurans\n dari syarikat insurans yang berbeza. Anda juga boleh memperbaharui insurans kenderaan dan \ncukai jalan\n di sini dengan percuma. Menarik bukan?\n\n\nTags:\nCART (Compensation for Assessed Repair Time)\nNFOC\nNo Fault Own Damage\nTuntutan Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/04/01/kesilapan-semasa-membeli-insurans-kereta/", "title": "Kesilapan Semasa Membeli Insurans Kereta", "body": "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:\n\n\n1. Tidak Membuat Kajian\n\n\nSama juga seperti anda nak membuat pembelian untuk barangan atau produk lain di pasaran. Anda perlu meluangkan masa untuk membuat sedikit \u2018research\u2019 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.\n\n\n2. Tidak Membuat Perbandingan\n\n\nKenapa 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 \nsyarikat insurans\n dengan satu syarikat insurans yang lain. Sebagai pengguna, kita tentunya mahukan pelan yang paling menguntungkan bukan?\n\n\n3. Tidak Memahami Keperluan Diri Sendiri\n\n\nSemua orang mahukan \nperlindungan insurans\n 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.\n\n\n4. Memberi Maklumat Palsu\n\n\nJangan 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?\n\n\n5. Tidak Mempunyai Cukup Maklumat\n\n\nMengetahui jenis perlindungan yang diperlukan sahaja tidak cukup. Masih ada perkara lain yang perlu dilihat dalam membeli sesuatu pelan insurans itu seperti:\n\n\n\n\nNilai semasa kenderaan \u2013 Harga satu polisi insurans itu bergantung kepada harga semasa kereta serta kondisi kereta tersebut.\n\n\nKurang/lebih perlindungan \u2013 Anda perlu memberikan perlindungan yang sewajarnya untuk kereta anda. Cari polisi yang sesuai dengan keperluan serta kemampuan anda.\n\n\nNo Claim Discount\n \u2013 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.\n\n\n\n\n6. Kekal Dengan Syarikat Yang Sama\n\n\nSetia 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.\n\n\n\u00a0\n\n\nCara terbaik untuk \nmembandingkan sebut harga\n 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.\n\n\nTags:\nInsurans Kereta\nNo Claim Discount (NCD)\nSyarikat Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/12/01/additional-driver-name-to-your-car-insurance/", "title": "Additional Driver Name To Your Car Insurance", "body": "It might be time to renew your \ncar insurance\n, 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\u2019s name to your \ncar insurance\n. Here is everything that you should know about this process and what are its benefits.\n\n\nIs It Legal To Add Another Driver To My Car Insurance Policy?\n\n\nYes, 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\u2019t have any special rights.\n\n\n\n\nWhy Would You Need To Add Other Names To Your Auto Insurance Policy?\n\n\nAlthough other drivers don\u2019t 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\u2019s 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\u2019t guilty of the accident, which means the policy owner (you) has the right to \nfile for a damage claim\n. However, if the driver behind the wheel isn\u2019t included in the \ninsurance policy\n, there will be an RM400 penalty. It is also called an unnamed driver \nexcess\n, 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\u2019t 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.\n\n\nIs Adding Additional Driver Name To Your Insurance Free?\n\n\nYes, most \ninsurance\n agencies in Malaysia allow you to add \nadditional driver\n\u2018s name for free. That is a benefit provided to families so that the policy owner doesn\u2019t 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\u2019s ownership, but the kid will be allowed to drive it. It is possible to add other drivers\u2019 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 \nadditional driver\n 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.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nThe best time for adding extra drivers is when you are \nrenewing your insurance\n. 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 \ninsurance company\n to learn more about the details of the process and how to prepare the relevant documentation.\n\n\nTags:\nAdditional Driver\nMalaysian Law\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/04/car-extended-warranty-to-increase-your-car-resale-value/", "title": "Car Extended Warranty To Increase Your Car Resale Value", "body": "A person\u2019s decision to purchase a car might be one of the most important purchases of his life. It is why many customers agree to pay more for a vehicle with a protection plan, allowing them to be worry-free for a long time. Many people say that buying extended warranties for their vehicles will increase their \nresale value\n. What do you think about this? Is it just another sales pitch to entice you, or is there some truth behind it? We\u2019ll answer that later, but first, let\u2019s talk about the \ncar extended warranty\n.\n\n\nUnderstanding Extended Car Warranty\n\n\nExtended warranties\n are service contracts that increase coverage, timeliness, and the comprehensive warranty for one\u2019s used car. They are transferable, sold separately, and not included in the purchase price. They become active after the manufacturer\u2019s warranty has expired. There is no requirement for \nused cars\n to have an \nextended warranty\n, but it acts as a security to protect their vehicles from wear and tear, thus enhancing their \nresale value\n. Factors determining whether a car qualifies for extended warranty coverage include the quality of the vehicle, the vehicle\u2019s age and mileage, the owner\u2019s driving record, resale values, and a licensed repair facility. It is beneficial to \npurchase an extended warranty\n if the repairs for your prized possession will be expensive in the future. A typical \nextended warranty policy covers\n the following:\n\n\n\n\nThe car\u2019s transmission, engine, and drive axel are included.\n\n\nAdditional components such as heating and cooling systems, brake systems, etc., are included in power train protection.\n\n\nA bumper-to-bumper coverage plan.\n\n\nThe manufacturer\u2019s warranty might still apply to a used car, but that warranty will be limited to a few components. The \nextended warranty\n will cover any remaining parts.\n\n\n\n\nHow It Affect Resale Value\n\n\nGetting the right price is the most challenging part of selling a used car. It is crucial to have an extended warranty on hand considering the buyers\u2019 queries regarding unexpected significant expenses. The peace of mind with an extended warranty is also transferable to the next owner. In the case of two identical used cars, view the automobile extended warranty as more valuable.\n\n\nIt will be more attractive if you sell your vehicle outright rather than trading it in at the dealership if you have a transferable used car auto warranty. The fear of a breakdown when shopping for used cars without a factory warranty is common among those looking for a factory warranty. What else would motivate some people to have a vehicle inspected by a mechanic before they buy it? With a transferable extended warranty on your car, these fears are eliminated, and you might be able to sell your car quickly and for a higher price.\n\n\n\n\nFinal Thought\n\n\nThe good news is that you will not lose any money should you decide to \nsell your car\n after purchasing an extended car warranty. When you transfer ownership, the extended warranty coverage remains intact. Therefore, a car\u2019s extended warranty can be an incentive when being marketed. It is one of the ways to sell a vehicle. It might be unnerving for buyers to \nbuy a used car\n because it may have problems. However, if they hear that it comes with an extended warranty, they may feel more at ease. So even if you plan to sell your car soon, you should not let that stop you from purchasing an extended warranty for your used car. Your used car will fetch a higher asking price if you purchase extended vehicle protection. However, keep in mind that the vehicle is still covered even after the title has been transferred.\n\n\nTags:\nExtended Warranty\nResale Value\nUsed Car\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/06/how-employment-insurance-system-can-help-you-when-you-out-of-a-job/", "title": "How Employment Insurance System Can Help You When You Out Of a Job", "body": "You are possibly eligible for unemployment benefits under the \nEmployment Insurance System\n (EIS) if terminated due to the Covid-19 crisis. Still, you must apply within 60 days after losing it. \nEmployment Insurance System\n (EIS) automatically registers private-sector workers earning more than RM30 per month, administered by the Social Security Organization (SOCSO/Pertubuhan Keselamatan Sosial \u2013 Perkeso). As part of EIS, you receive a job search allowance each month (assuming you cannot find a new job within six months), which can last up to six months. A percentage of your last drawn salary will be allocated to you each month as an allowance. In the first month, your allowance is 80% of your salary. Then, it reduces every month. Before losing your job, if you earned RM2,500, you could get the following:\n\n\n\n\n\n\n\n\n\n\n\n\n \n\n\n\n\n\n\n\n\nMonth\n\n\n\n\n\n\nSalary Percentage\n\n\n\n\n\n\nAllowance Received\n\n\n\n\n\n\n\n\n\n\nFirst\n\n\n\n\n\n\n80%\n\n\n\n\n\n\nRM 2,000\n\n\n\n\n\n\n\n\n\n\nSecond\n\n\n\n\n\n\n50%\n\n\n\n\n\n\nRM 1,250\n\n\n\n\n\n\n\n\n\n\nThird\n\n\n\n\n\n\n40%\n\n\n\n\n\n\nRM 1,000\n\n\n\n\n\n\n\n\n\n\nFourth\n\n\n\n\n\n\n40%\n\n\n\n\n\n\nRM 1,000\n\n\n\n\n\n\n\n\n\n\nFifth\n\n\n\n\n\n\n30%\n\n\n\n\n\n\nRM 750\n\n\n\n\n\n\n\n\n\n\nSixth\n\n\n\n\n\n\n30%\n\n\n\n\n\n\nRM 750\n\n\n\n\n\n\n\n\n\n\n\n\nPerkeso says they will process it within seven days. They will pay the approved applications within another seven days. There is a maximum salary of RM4,000 for the allowance, which is also the top salary for contributions to EIS. As long as you earn at least RM4,000 a month, you will still be eligible for EIS benefits and can contribute to them. However, your contributions and gifts will be based only on the RM4,000 salary limit. Please visit Perkeso\u2019s website for EIS calculations of benefits and contributions.\n\n\nWho Is Covered By EIS?\n\n\nResidents of Malaysia or Malaysian citizens\n\n\n\n\nIndividuals from 18 to 60 years old (except those who have never contributed to the EIS before turning 57, who the EIS does not cover)\n\n\nPrivate sector employees (except for those working for statutory bodies, local authorities, state and federal governments, domestic workers, and self-employed individuals)\n\n\nContract of Service-based work\n\n\n\n\nWhat Does EIS Cover?\n\n\n\n\nRetrenchment /redundancy\n\n\nVoluntary/Mutual Separation Scheme\n\n\nInsolvency\n of a company or natural disasters that close the business\n\n\nEmployee resignation (broken employment agreements or sexual harassment and performing tasks beyond the job\u2019s scope).\n\n\n\n\nEIS does not cover the following:\n\n\n\n\nMisconduct leading to employee dismissal\n\n\nResignation by choice\n\n\nRetirement\n\n\nExpiration of a fixed-term contract between an employer and employee regarding their termination terms.\n\n\n\n\nHow Else Can EIS Help You?\n\n\nYou can also receive the following benefits from EIS:\n\n\n\n\nReduced income allowance: One-time payment based on a percentage of your monthly salary\n\n\nTraining fee: RM4,000 for a six-month vocational training course\n\n\nTraining allowance: A monthly payment of RM20 per day of training for up to 6 months\n\n\nEarly re-employment allowance: Job search allowance recipients who find work while still receiving the funding receive a one-off payment. The recipients will receive 25% of their original job search allowance.\n\n\n\n\nPerkeso also provides the following under the EIS:\n\n\n\n\nRe-employment placement program\n\n\nCareer counseling.\n\n\n\n\nWhat Is The Process For Claiming EIS?\n\n\nVisit any Perkeso office or access the EIS portal. To do so, you will need:\n\n\n\n\nPlease provide a copy of your IC\n\n\nProof of loss of employment (LOE), such as a termination letter,\n\n\nAn account statement from your bank\n\n\nLast six months\u2019 pay stubs\n\n\n\n\nOther conditions are as follows:\n\n\n\n\nYou should apply within 60 days if you lose your job\n\n\nYou should check with Perkeso regarding their contribution requirements\n\n\nJob loss due to reasons covered by EIS\n\n\n\n\nAdditional Assistance\n\n\nPerkeso now also provides other assistance in response to Covid-19 besides the \nEIS\n. Employers can also take advantage of the Employment Retention Programme (ERP), which offers them RM600 every month for putting workers on no-pay leave for up to six months. Employers must apply for the program since it is for them who will, in turn, reimburse affected employees. Further details are here. A second option offered by Perkeso is \nSIP\n Plus 600, RM600 payments per month for a maximum of three months. You can receive benefits if you registered with \nEIS\n and lost your job but do not meet specific requirements. If interested, fill out the application here.\n\n\nTags:\nEmployment Insurance System\nEmployment Retention Programme\nPERKESO\nSOCSO\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/09/06/what-is-the-best-way-to-switch-insurance-providers/", "title": "What Is The Best Way To Switch Insurance Providers?", "body": "\n\n\n\nIt happens more often than you might think;\n\n\nYou have an auto insurer that\u2019s been very good for you for years. Suddenly, you discover that their rates are higher than they should be, you can\u2019t access specific discounts, or their services just aren\u2019t as good as they once were. Either way, you know it\u2019s time to move on. But how exactly do you accomplish that? Understanding the process is very important because that\u2019s the only way you can switch insurers properly. We\u2019ll be guiding you through steps that will help you achieve your aim with relative ease!\n\n\nWelcome! I\u2019m Fincrew brand ambassador Stella. In this episode in the Insurance360 Video Series, I\u2019ll share the necessary info you need to help you make a smooth transition from your current insurer to the best auto insurance provider for you! Be the first to see more helpful videos like this! All you have to do is hit that Subscribe icon and enable notification settings so you can view our great videos upon release! If you\u2019ve done that already, here\u2019s our 5-step approach to getting you the best vehicle \ninsurance providers\n and policy out there!\n\n\nStep 1\u2013Explore And Weigh New Options First\n\n\nTake your time to research the many coverage options out there. The last thing you want to do is rush out of one lousy coverage policy straight into an even worse one. Find the right coverage policy that improves all the things you\u2019re dissatisfied with within your current coverage.\n\n\nStep 2\u2013Pick The Right Time\n\n\nWith \ninsurance\n, timing is crucial. Because you can\u2019t go out with your vehicle without having \ninsurance coverage\n, you can\u2019t just ditch your current policy before activating the new one. Also, the duration of \ninsurance policies\n varies, depending on which state you took out the insurance. This is a critical component to consider, especially if you\u2019re relocating during this period. So be sure to time the process of taking on that new insurance provider as entirely as you can.\n\n\nStep 3\u2013Reach Out To Your Present Provider\n\n\nUnder certain circumstances, your current provider might be willing to make certain concessions to ensure you stay on with them. Before finalizing your move, you could contact your current insurer and highlight your pain points. If they are willing to compromise, great! If not, be sure to inquire if there are any penalties for opting out of your coverage before it ends.\n\n\nStep 4\u2013Research Your New Choice Extensively\n\n\nAfter looking through your options and settling for a new automobile insurance provider, don\u2019t sign on a new policy straight away. Be sure to take the time to research the new provider for possible red flags. You could check for reviews on the company from reputable sources, listen to previous and current insured members\u2019 opinions, among other things.\n\n\nStep 5\u2013Ensure Your Current Insurance Is Canceled And Take the Final Leap\n\n\nDon\u2019t make any assumptions here, as running two full \ninsurance policies\n concurrently can have serious legal implications. Ensure you get in touch with your present auto insurance provider and ensure they\u2019ve duly canceled your package before signing the final contract with your new insurer.\n\n\nNow, you know all you need to know to effectively switch \ninsurance providers\n. If you want any more information, leave us a Like and comment down below. Be sure to subscribe and turn on the notifications so you won\u2019t miss interesting videos in this Insurance360 video series! Stay tuned\n\n\nTags:\nCar Insurance\nInsurance Policy\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/08/03/effortless-ways-to-avoid-online-scams-and-money-losses/", "title": "Effortless Ways To Avoid Online Scams And Money Losses", "body": "Each year, the number of incidents of \nonline scams\n and money losses continues to skyrocket! Because of this, as a credit or debit card holder, you must ensure you stay on top of the best online and offline scam protection practices. We\u2019ll be pointing out some of the best ways to protect yourself from being a victim of the rising \nonline scams\n now.\n\n\nNever Use Your Payment Card On a Suspicious Online Platform\n\n\nWhile this might seem a no-brainer, you\u2019d be surprised at how often most people do transactions on a platform without checking to see if it\u2019s safe first. Yet, taking the time to confirm that you\u2019re dealing with a legitimate platform is vital, as inputting your card details on the wrong forum is all it takes for hackers to steal that data and harm you. So, accomplish simple things like confirm if any website requesting your \nfinancial\n details has SSL certificates.\n\n\nFollow Your Credit Card Statements Closely\n\n\nThe interesting thing about many \ncredit card\n money losses is that many people don\u2019t even know they\u2019ve fallen victim to it in the first place! And depending on how the hacker plays it, this can go on for months. The best prevention is to monitor your credit card statements closely. Nothing to hide from these reports, so you\u2019ll be able to easily see which subscriptions you didn\u2019t do yet paid for and any purchases you didn\u2019t make. This approach has another great; benefit; it helps you quickly spot any unauthorized levies or fines subtly imposed on you by your bank.\n\n\nBe Conscious Of Your Credit Card At All Times\n\n\nOne common way people commit payment card \ntheft\n today is getting their physical card stolen. You can ensure by knowing where your \ncredit card\n is at all times. It is more so if you use public transport systems often as these routes can be a hotbed for theft and robbery. By doing this, you can prevent would-be thieves from using the tap and pay function on your payment card after they must\u2019ve gotten a hold of it.\n\n\nLeverage Fraud Protection Features\n\n\nIn response to the high rate of payment card money losses and thefts, many \ncredit card\n companies now issue credit and debit cards with a fraud protection plan. It can prove invaluable to you as this feature can considerably boost your card\u2019s security. In addition to this, you can complement the security of your card even further by getting \ninsurance policies\n that secure you against incidents of theft.\n\n\nBottom Line\n\n\nMaking sure your payment card stays safe and secure is a full-time job, as even a moment\u2019s laxity can result in severe financial losses. Using the tips highlighted above, you\u2019ll be in a better position to protect yourself with less stress at all times!\n\n\nTags:\nCredit Card\nOnline Scams\nScam\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/05/top-personal-accident-insurance-companies-in-malaysia/", "title": "Top Personal Accident Insurance Companies In Malaysia", "body": "Let\u2019s get the facts straight. We can never predict the future, and sometimes we do not have control over it. Accidents are among these things that we cannot control. Unexpected injuries can drastically change a life, and \nfinancial\n strain is especially difficult for breadwinners. No matter how much care we may put into avoiding accidents, it is always better to prepare ourselves and our families (financially) for such incidents. The purpose of \npersonal accident (PA) insurance\n is to provide compensation in the event of injuries, disabilities, or death caused by accidents. A policyholder receives a tax-free lump sum payment if they are critically injured or die in an accident. We compared more than 20 \ninsurance companies\n based on coverage options, pricing, and more to find the best \npersonal accident insurance\n policy.\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nTop Personal Insurance Company In Malaysia\n\n\n\u00a0\n\n\n1. Etiqa Takaful Malaysia\n\n\nMalaysia\u2019s Etiqa Takaful is the best overall company for providing a series of personalized accident insurance plans for every country\u2019s citizens. The organization offers different types of \npersonal accident insurance\n, such as Buddy \nPA Insurance\n, Takaful Buddy \nPA Insurance\n, RideCare PA Insurance, and Car Accident Special Protection Insurance. If you would like a quote, you can easily access it on the company\u2019s website by selecting your policy type, providing your state of residence, and confirming your age is between 18 and 64. Additionally, if you prefer to discuss your insurance needs directly with an agent, you can call a national hotline to speak directly with an insurance agent. Whether the accident occurs at work or during your free time, your policy will cover it. Beneficiaries will receive benefits directly from the \nInsurance Company\n rather than from a medical facility such as a hospital.\n\n\n2. AIG\n\n\nAIG, also known as American International Group, offers the lowest monthly premiums among the companies featured in this list, making it our top pick for affordable options. Since 1919, AIG has provided insurance services in over 80 countries around the world. In addition, they offer MyGUARDIAN PA Online, where you can request a quote by selecting an individual or family plan on their website. With AIG, you can buy PA protection for only RM76 per year. The policy offers 100-year coverage.\n\n\nBenefits:\n\n\n\n\nMedical Expenses and Daily Hospitalization Income \u2013 Up to RM5,000 of medical expenses payable to the insured for treating injuries, and RM300 per day if hospitalized.\n\n\nAccidental Death\n and Permanent Disablement \u2013 You may receive an accident-related lump sum of up to RM300,000, depending on the policy you purchase.\n\n\nMedical Concierge \u2013 Take care of yourself during your hospital stay and afterward. If you need arrangements for doctor appointments or hospital admissions, medical monitoring, or home nursing services, our medical concierge team is available 24/7 to help.\n\n\nEnhanced Coverage With Optional Add-On Packages \u2013 Additional benefits such as medical, hospital, and specific infectious disease coverage, such as COVID-19, can be included for an additional premium.\n\n\n\n\n3. Great Eastern Insurance\n\n\nChoosing The Great Eastern was made more accessible by its excellent service delivery and customer support. If you \nfile a claim\n, an assigned representative will ensure that the process runs smoothly. You can choose from a mix of diverse and personalized plans to protect your family and safeguard what you value most. Different types of \npersonal accident coverage\n and programs are available through the company, such as GreatShield Active, Platinum PA, Lady Protector, MOS Shield, Easi Shield, Easi Protector, etc. The company offers insurance policies online and through the company\u2019s national hotline, where you can speak directly with a sales agent.\n\n\nTags:\nAIG\nEtiqa Takaful Malaysia\nGreat Eastern Insurance\nGreatShield Active\nMOS Shield\nMyGUARDIAN PA Online\nPersonal Accident Insurance\nPersonal Accidents\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/11/why-you-should-do-comparison-when-buying-insurances/", "title": "Why You Should Do Comparison When Buying Insurances?", "body": "An insurance policy\u2019s purpose is to mitigate risk, and that risk is genuine. It is essential to compare quotes to save money on your insurance policy. Unless you compare insurance quotes from different insurers, how can you be sure that you\u2019re getting the best price? In our modern-day world, you can buy a car or health insurance and renew it online because of the availability of insurance companies\u2019 online services. They are comparing insurance policies before purchase is ideal since there are so many options available. What are the benefits of comparing insurance policies? A few key reasons include:\n\n\nGet The Most Out Of Your Money\n\n\nThe cost of the \ninsurance premiums\n is an important consideration when purchasing a policy for your business or car. Comparing \ncomprehensive car insurance\n quotes from two different insurers can result in a significant difference in premiums. You can easily choose the right \ninsurance\n policy by comparing quotes online. Thus, you will be able to determine what discounts are offered by different insurers, which will ultimately enable you to save a considerable amount of money. By avoiding this step and purchasing the cheapest plan, your premium may be lower. As a result, it could require you to pay a vast amount as a voluntary deductible at the time of an \naccident claim\n. Thus, it is essential to know how the policy will cover you before committing. Additionally, it takes only a few minutes of your time, with no additional costs associated.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nUnderstanding The Features And Benefits\n\n\nThere are many features and benefits included in comprehensive insurance policies. However, they can vary significantly among insurance policies and providers. \nAuto insurance comparison\n will help you know what features and benefits they include in various approaches.\n\n\nUnderstand The Exclusions And Inclusions\n\n\nIt\u2019s essential to read the insurance documents no matter what type of insurance you purchase. You need to know the \nexclusions\n and inclusions that you\u2019ll find on the policies before making a purchase. Unless you thoroughly understand the policy, especially its exclusions, you might end up with a policy that doesn\u2019t meet your needs. By comparing insurance policies online, you can find ones that suit your needs.\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nChoose The Best Add-Ons\n\n\nAdd-ons and \nextra coverages\n are purchased, along with your \ninsurance policy\n. A few popular add-ons include \nzero depreciation\n, 24\u00d77 roadside assistance, engine protection, and NCB coverage. You can increase the coverage of your \ninsurance policy\n with the aid of these add-ons. During the policy \ncomparison\n process, make sure you look at the different add-ons that each policy offers. As a result, you can easily choose a cost-effective, feature-packed policy that includes optional coverage that you think might be helpful to you.\n\n\nGet The Best Plan Based On Your Needs\n\n\nInsurance plans come in a variety of forms with varying benefits and features. A careful \ncomparison\n of insurance policies will allow you to channel your requirements and choose the best plan to meet your needs. Do not rely on advertisements that claim to tell you what the best policy is, as every approach is different.\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nMaking An Informed Decision\n\n\nComparing different policies will help you gain a better understanding of the coverage provided. You will be able to learn about critical factors such as the waiting period, the claim process, as well as inclusions and exclusions. When gathering all the needed information, you will have a better position to make a sound decision.\n\n\nTags:\nComprehensive Coverage\nInsurance Comparison\nInsurance Coverage\nNo Claim Bonus (NCB)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/05/19/exploring-government-insurance-schemes-whats-available-for-you/", "title": "Exploring Government Insurance Schemes: What\u2019s Available for You?", "body": "COVID-19 has raised our awareness of the importance of \ninsurance\n. A private hospital may charge high if you get an illness that requires extensive treatment. Even though public health care is cheaper, some medicines or surgeries are not government-covered, so you would still have to pay for them at a government clinic or hospital. You may also need to pay some of the cost, even if your company\u2019s \nmedical insurance covers\n you. Consequently, you may have a lot of debt if you don\u2019t have your medical insurance. For family members who depend on you \nfinancially\n, it might be a good idea to prepare them if you pass away or are physically unable to work. A life \ninsurance plan\n would be the best option in this scenario. However, what if you cannot afford your medical or life insurance policy? Perhaps you should check one of the \ninsurance\n plans offered by government-sponsored companies, such as mySalam and Perlindungan Tenang.\n\n\nWhat Is mySalam Policy?\n\n\nIn mySalam, those with critical illnesses receive free medical \nTakaful\n. At present, \nmySalam\n automatically provides to Bantuan Sara Hidup (BSH) recipients that fall under any of these categories:\n\n\n\n\nIndividuals between 18 and 65 years old who are married.\n\n\nIndividuals between the ages of 40 and 65 earn less than an annual income of RM24,000 (RM2,000 a month).\n\n\nPersons with disabilities between 18 and 65 gain less than RM24,000 a year (RM2,000 a month).\n\n\n\n\nWhat Is Perlindungan Tenang Policy?\n\n\nPerlindungan Tenang protects life \ninsurance and Takaful\n for people in the B40 group. Coverage amounts will vary according to how much is the payment premiums.\n\n\nHow does it work?\n\n\nmySalam & Perlindungan Tenang\n\n\nYou should have received an SMS alert about mySalam coverage if registered under BSH. You could send an email to \ninfo@mysalam.com.my\n if you did not receive an email or call 1-300-888-938. Government hospitals or hospitals approved by the military and universities can only use the scheme. Click here for the list of participating hospitals. The majority of Perlindungan Tenang plans are available online or through registered agents. Agrobank and other banks also offer these plans. Click here for more information. All plans should be easy to understand and have a straightforward claims process. Companies make payment claims within five working days after completion.\n\n\nWhat Types Of Protection Are Available?\n\n\nmySalam & Perlindungan Tenang\n\n\nMedical Coverage\n\n\nYou\u2019re eligible for a one-time cash payout of RM8,000 if you\u2019re diagnosed with one of the 45 critical illnesses and RM50 per day if hospitalization up to 14 days is needed. You can now claim up to RM50 per day for 14 days under the COVID-19 plan. You can also file a critical illness claim if you are diagnosed with one of the 45 acute illnesses covered by mySalam due to health complications due to COVID-19.\n\n\nLife Insurance\n\n\nYou can get life insurance for your dependents if you pass away or become permanently disabled (depending on your Policy). The complete list of \nlife insurance\n plans under Perlindungan Tenang is available here.\n\n\nFamily Takaful\n\n\nIt is a Shariah-compliant life insurance policy that provides a lump sum of money to your dependents if you die or become permanently disabled.\n\n\nGeneral Insurance\n\n\nPlans like these usually cover your home\u2019s fire insurance. For a complete list of Perlindungan Tenang plans, click here.\n\n\nWhat Are The premiums/Takaful Contributions?\n\n\nmySalam & Perlindungan Tenang\n\n\nFree\n\n\nLife insurance: Coverage ranges from RM6,000 to RM25,000 per month, with optional coverage of up to RM100,000. Family Takaful plans: Coverage levels start at RM39 and go up to RM195 yearly.\n\n\nGeneral insurance: An annual coverage amount of RM10,000 is approximately RM75 ringgit.\n\n\nWhat You Need To know\n\n\nmySalam & Perlindungan Tenang\n\n\nVerify Your BSH Registration.\n\n\nIf you want to claim benefits, you can do so through the mySalam claims portal or the mySalam website. Your doctor must fill out a claim form to send in. You will also need to make a different arrangement if hospitalized. If your claims are approved, you\u2019ll receive your payment within two weeks of sending your documents. You\u2019ll receive the funds in your registered bank account for the BSH scheme. Don\u2019t forget to update your bank details if the scheme does not include yours.\n\n\nMySalam coverage\u2019s expansion was under Budget 2021 to include medical devices such as heart stents and prosthetics. Do not deal with anyone other than authorized agents and companies. Please refer to the links provided for life insurance and general insurance providers to verify a company\u2019s approval. Takaful plans are also listed here. See which plan fits your budget the best by comparing a few. Consider a plan with more coverage if you have family who depends on you financially. Choose a beneficiary among your dependents. This individual will receive the funds if anything happens to you. Make sure they know who you have chosen!\n\n\nExplain your rights and responsibilities to your agent or company, and make sure you understand them. Make sure your beneficiary knows how to make a claim; how you make claims will vary if you get your plan from a Takaful or insurance company.\n\n\nFrom 1 April 2021, eligible B40 recipients will receive an RM50 voucher for Perlindungan Tenang products. As of 2025, Perlindungan Tenangs with an annual contribution or premium value of up to RM100 will be exempt from stamp duty.\n\n\nAlthough these plans can be helpful for people who cannot afford standard insurance/Takaful plans, you should know that they may not offer as much coverage or benefits as your regular insurance/Takaful plans. Even so, it\u2019s better to have insurance than no insurance. If you want coverage or are just learning about it, look into mySalam or Perlindungan Tenang, so you have some financial and medical protection!\n\n\nTags:\nmySalam\nPerlindungan Tenang\nTakaful\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/02/26/disinfecting-sanitizing-your-vehicle/", "title": "Disinfecting & Sanitizing Your Vehicle", "body": "You may think that a car is an enclosed space, so there is less probability of contamination. Well, you\u2019re mistaken. According to a survey, car steering wheels were found to be four times dirtier than toilet seats. Though the coronavirus pandemic has made many to be working from home and spending less time on the roads, cars and steering wheels can still be a breeding ground for viruses.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhere To Disinfect In And Out The Car\n\n\nThe first step to \ncleaning and \ndisinfecting\n your \ncar\n interior is knowing where to disinfect. There are some surfaces you touch more frequently, and there are some grey areas you rarely touch. All these areas are essential to be disinfected regularly. Here is a quick rundown of those areas:\n\n\n\n\nSteering wheel\n\n\nKey and remote fob\n\n\nInterior and exterior door, trunk handles and pulls\n\n\nAll buttons and knobs\n\n\nRearview mirror\n\n\nHVAC vents\n\n\nGear selector\n\n\nTrunk signal lever\n\n\nWindshield wiper controls\n\n\nCenter console and armrest\n\n\nSeat belt and buckle\n\n\nParking brake handle and release lever\n\n\nDisplay screens and touchscreens\n\n\nCupholders\n\n\nSeats and seat adjustment knobs\n\n\n\n\nWhat To Use?\n\n\nThough most common domestic disinfectants are quite useful, however, some are not ideal for use on your car. These include bleach, hydrogen peroxide, benzene, thinners or other harsh and abrasive cleaners. These disinfectants can \ndamage your car\u2019s\n fabric and interior surfaces. The Center for Disease Control (CDC) lists disinfectants that meet the criteria against the coronavirus. The common brand names include Clorox \nDisinfecting\n Wipes, Lysol brand Clean & Fresh Multi-Surface Cleaner and Purell Professional Surface Disinfectant Wipes.\n\n\nFor most vehicle\u2019s dashboard and dials, 70% Isopropyl alcohol is safe. It\u2019s a common disinfectant used in schools and hospitals. Rigorous washing with soap and water will work just fine too and sometimes may be a good choice if you have older, cracked upholstery. As the temperatures increase, you probably want to reconsider keeping large bottles of hand sanitizer in your car. Heat buildup could cause the bottle to swell and burst, thereby creating a mess. While no amount of cleaning can give the assurance that one is exempted from the coronavirus infection, experts agree that vigilance and cleanliness are critically crucial to preventing the spread.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nHow To Properly Disinfect A Car\n\n\nThe Center for Disease Control recommends wearing disposable gloves for cleaning and disinfecting surfaces. However, before you begin the process, wash your hands with soap and water. If a surface appears dirty, you probably want to clean it with soap and water before disinfection. For \ncar interior\n, a soft cloth dampened with soap and water should do just fine to wipe down hard surfaces. After that, the following these steps follow:\n\n\n\n\nBegin the process with the four exterior door handles and fuel cap, wash with soap and water, then work on the interior.\n\n\nEmpty all surfaces and areas you would normally empty.\n\n\nClean and wash the nooks and crannies of the interior surfaces with car-safe soap and water thoroughly.\n\n\nSpray hand sanitizer onto a clean, soft cloth towel and wipe over surfaces.\n\n\nDisinfect hard surfaces by wiping down with the disinfectant solution. Finally, wash your hands with soap and water.\n\n\n\n\nTags:\nCenter for Disease Control\nClorox Disinfecting Wipes\nCOVID-19\nDisinfecting\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/07/04/understanding-the-policy-reserve-in-life-insurance/", "title": "Understanding The Policy Reserve In Life Insurance", "body": "The policy reserve is a sum of money set aside by insurance companies to pay claims made by policyholders who have completed or expected to make legitimate claims for their policies. It is to pay out unpaid claims that insurers have incurred.\n\n\nUnderstanding The Concept Of The Policy Reserve\n\n\nFinancial protection is the main reason why people purchase insurance coverage. The company offering this service charges customers a premium so that it can assume this risk. Insurance premiums are payments made to the insurance company by individuals or small businesses monthly or semi-annually or pay upfront before coverage begins. By agreeing with customers, an \ninsurance company\n accepts all liability in the event of an adverse occurrence that damages what it agreed to insure. Taking responsibility for a legitimate claim means paying the insured. An insurance company handles claims against each policy it sells every year. If an \nauto insurance\n policyholder is involved in an accident, they can file for reimbursement to claim their vehicle\u2019s damages with their insurance provider.\n\n\nProperty losses caused by fires, for example, are easy to estimate and quickly resolved. The settlement of some types of \ninsurance policies\n is more complex and may happen long after the policy has expired, such as product liability. In the context of \ninsurance policies\n, a \npolicy reserve\n is a fund that was reported but not settled (RBNS) or incurred but not reported (IBNR). Each file that fits these descriptions will be assigned a claims reserve, reflecting the company\u2019s estimate of the eventual settlement amount. As the amount owing on any given claim is not known until settled, the outstanding claims reserve is an actuarial estimate.\n\n\nIt is the claim adjuster\u2019s responsibility to estimate the amount to be paid. One method for determining the monetary amount of the claim reserve is based on either the claim handler\u2019s judgment or statistically by evaluating past data to establish loss projections in the future. Throughout the \ninsurance contract\n, policyholders pay a portion of their premiums to make up the \npolicy reserve\n.\n\n\nSpecial Considerations\n\n\nInsurers can find it difficult to accurately determine how much money needs to be set aside for policy reserves. Reviewing helps, although this does not mean that they allocate adequate funding. A significant underestimation can hurt investors by eroding the trust they place in accounting practices and dumping shares. The assessment of claims that were incurred but not reported (IBNR) is particularly challenging. For example, an employee may inhale asbestos while performing their job yet not file a claim for an illness arising from the adverse event for 20 years after the adverse event occurred.\n\n\nClaims Reserve Recording\n\n\nAn outstanding claims reserve is a liability recorded on the balance sheet of a company. They are liabilities because they need to settle this in the future. Therefore, policyholders may be liable for these occurrences. The claims reserve is adjusted during the claims settlement process as each case develops and new information is obtained. During the claims settlement process, the insurer will incur expenses such as fees for claims adjusters, investigators, and legal assistance, as well as the expected settlement amount.\n\n\nTags:\nIBNR\nLife Insurance\nPolicy Reserve\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/02/11/ways-to-shake-off-the-effect-of-the-pandemic-on-your-finances/", "title": "Ways To Shake Off The Effect Of The Pandemic On Your Finances", "body": "The advent of the Covid-19 pandemic signaled a profound change in life as we knew it. Not only were lives lost, but the financial structure of many industries in Malaysia also took a significant hit. Yet, we must live our best lives, even in the face of this unrest. Thankfully, there are simple and practical steps you can take to keep your \nfinances\n going strong, even in these times. Here are a few of them.\n\n\n1. Consider\n\n\nConsolidating Your Debt\n\n\nIn times of \nfinancial\n instability such as this, it\u2019s only logical to turn to loans to find a way to sustain yourself. However, once the worst \nfinancial\n emergency is over, you need to make clear your debt a significant priority. It would help if you listed all the debts you currently owe and then, depending on the loan size and the interest rates, choose the best debt clearance method. Clearing your debt mightn\u2019t feel like a pressing concern right now, but once done, you\u2019ll be glad you did it, as doing so comes with a sense of relief and an increased cash flow!\n\n\n2. Find a Different Approach To Managing Your Cashflow And Budget\n\n\nFor the immediate future, it\u2019s safe to say that it\u2019ll be a long time before things return to normal. So, pending that time, you have to adjust to the new terrain. It means making significant lifestyle changes. While doing so, it\u2019s essential that you also be mindful of specific traits that can become harmful if left unchecked. It includes but isn\u2019t limited to excessive online shopping and spending more than necessary on groceries. At the moment, your primary goal should be focusing on budgeting, analyzing the changes in your cash flow, and finding the most efficient ways to use what resources you have at your disposal.\n\n\n3. Build Your Emergency Savings Again\n\n\nLike most Malaysians, one of the first casualties you must\u2019ve sustained at the height of the \npandemic\n was your emergency savings. It is even more likely to be the case if you lost your job during this time or had to take a pay cut. So, while it may be hard to do, especially now, you should also make building your emergency savings a priority. Doing so gives you a cushion to fall back on if something unexpected happens and you need funds quickly.\n\n\n4. Re-Evaluate And Re-Establish Your Financial Goals\n\n\nLastly, find a way to reassess your financial goals objectively. Recent events would change your approach towards \nfinances\n and investment. Because of this, you need to take the time to find your bearings. Give yourself some breathing room and set achievable short and long-term financial goals.\n\n\nSlowly but surely, you will be on track.\n\n\nTags:\nCash Flow\nDebt Consolidation\nFinancial\nFinancial Goals\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/18/4-major-reasons-you-need-to-check-your-credit-score-regularly/", "title": "4 Major Reasons You Need To Check Your Credit Score Regularly", "body": "If you aren\u2019t particularly finance-savvy, you likely don\u2019t look into the various aspects of your money affairs unless you need to. Although there\u2019s no harm in this, you should know that working like this may not always be in your best interests. Checking your \ncredit score\n frequently might be a bit of a hassle. However, the amount of \nfinancial\n control and influence it gives you is unparalleled. When you \nknow your credit score\n, you know what\u2019s happening in your economic life and can better position yourself to make any moves necessary to secure your future. Below are only a few reasons why it always pays to \nknow your credit score\n at any given point in time.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\n1. It Helps You Understand Your Current Credit Position\n\n\nWhen you know what your \ncredit score\n is saying, you can effectively eliminate the guesswork from your plans. You will know just where you stand, but you also get all the tools you need to prepare for the future.\n\n\n\n\nCan you afford the vacation you\u2019re planning?\n\n\nAre you suitable for your \nnext loan\n?\n\n\nHave you missed any repayments recently?\n\n\n\n\nKnowing your credit score helps you answer these questions and act accordingly.\n\n\n2. It Helps You Keep Your Credit Score High\n\n\nArranging your finances in the country can be unnecessarily tricky if your credit score isn\u2019t in good shape. However, you can avoid much of that unpleasantness if you watch your credit score. This seemingly little detail can prove what makes the difference between whether you get a job or pass a \nbackground check\n for tenancy.\n\n\n3. It Helps You Predict What Lenders And Banks Will Likely See\n\n\nDue to one reason or another, most people have to take out loans. \nGetting a loan\n depends entirely on what the financial institution or bank thinks. If they believe you have a good financial record, they\u2019ll extend the loan to you, or else, it\u2019ll turn you down flat. Knowing your current \ncredit scores\n can better predict how a loan or credit application is likely to go. With this ability, you\u2019ll be better positioned to move things around to increase your chances of getting what you want.\n\n\nCompare Personal Loan In Fincrew\n\n\n4. You\u2019ll Gain Crucial Insight Into What Helps And Hurts Your Credit Score\n\n\nFor better or worse, most of our financial actions reflect clearly on our credit score. Consequently, it always pays to keep an eye on your score because you can easily trace your actions when you see spikes and fluctuations. From here, you\u2019ll know the things you need to quit doing and the ones you need to start.\n\n\nCheck your company eligibility & apply business loan online.\n\n\nTakeaway\n\n\nA credit score is all-important in the country. As such, you need to take it very seriously. If you\u2019d like more clarification on how to proceed, check here.\n\n\nTags:\nCredit Score\nFinancial Institution\nLoan Application\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/01/group-travel-insurance-what-it-is-and-3-reasons-why-every-group-should-get-one/", "title": "Group Travel Insurance \u2013 What It Is And 3 Reasons Why Every Group Should Get One", "body": "Traveling is one of the most fun and engaging activities you can do as a group\u2014however, half the hassle of going on a trip preparing for the said journey. In addition to ensuring you pack the right clothes and have a well-laid-out itinerary, one thing you can\u2019t afford to overlook is \ngroup travel insurance\n. Here we\u2019ll be discussing what this coverage is and why you\u2019re better served to get one.\n\n\nGroup Travel Insurance \u2013 What It Means?\n\n\nIt is a type of coverage extended to a group of people that offers them protection in the event of various circumstances. This type of coverage is precious for a group of people on a trip as you\u2019d be exposing yourself to unfamiliar territory. You may be wondering, why bother to get \ngroup travel insurance\n if you already have \nmedical insurance\n? Well, getting group travel insurance not only acts to complement those insurance policies, but it does so while helping you prevent any incidence of adverse selection. Some reasons why getting group travel insurance is always a clever play is that;\n\n\nIt Offers a Needed Extra Layer Of Protection\n\n\nWhile it may not happen too often, even a rock-solid \nmedical insurance\n policy can fail you if you are on a trip. As traveling is no longer as simple as it once was, you can\u2019t be too careful to ensure your group\u2019s safety. The cost of getting group \ntrip protection\n is minimal, but the peace of mind it comes with is priceless. As you would\u2019ve fully compensated for every random variable this way, you can be completely relaxed while on your trip.\n\n\nIt\u2019s Highly Cost Effective\n\n\nDid you know that \nbuying a group travel\n package is cheaper than getting coverage individually? Because you\u2019ll be coming in with multiple people, you give your insurer the latitude that they need to offer you maximum discounts. So, you can keep yourself and your group perfectly covered, but you can do so without breaking the bank!\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nGet a Chance To Earn Something Too\n\n\nThe perks never stop with this type of coverage. Getting group \ntravel insurance\n won\u2019t only protect you, but you can also leverage this policy to get a little extra! If you continue bringing groups to a platform like ours to get group coverage consistently, you\u2019ll be allowed to leverage our customer loyalty service! More than this, if you want, you could become a sales associate and get a commission every time you come for this coverage.\n\n\nBottom Line\n\n\nWith so many advantages to getting this kind of policy, there\u2019s simply no reason why you shouldn\u2019t at least consider it. Don\u2019t forget anything can happen on a trip. Not many coverages can protect a group on a journey quite like this policy. And, as you can\u2019t enjoy yourself if thoughts of what could go wrong keep bothering you, this policy can bring the relief you need to let loose.\n\n\nCheck out some of the best group travel insurance packages around here.\n\n\nTags:\nGroup Travel Insurance\nInsurance Coverage\nMedical Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/22/what-happens-if-youre-late-on-your-car-insurance-payment/", "title": "What Happens If You\u2019re Late On Your Car Insurance Payment?", "body": "\n\n\n\nEvery driver knows that \nauto insurance\n is a must-have if you want to keep your vehicle on the road in the country. But what happens if you aren\u2019t able to make a \ncar insurance payment\n on your policy when it\u2019s due? What should you expect to happen in the aftermath? What step can you take to rectify or minimize the damage caused? We\u2019ll be looking into all these and more extensively in today\u2019s show!\n\n\nAs you already know, \nauto insurance\n is the financial protection that you get for your vehicle, so you \ndon\u2019t have to pay out-of-pocket if your automobile is damaged\n under pre-established circumstances. Now, whether you\u2019re covered under the basic \nThird Party\n, Third Party, Fire, and Theft or Comprehensive coverage, you have to make certain payments in return for this protection. Failure to make the payments of your premiums when due or not making payments at all can have rather far-reaching consequences. Failure to live up to this responsibility can be legally construed as a breach of contract.\n\n\nShould this happen, your insurer reserves the right to effectively cancel your policy, and you mightn\u2019t even be aware of the fact. What\u2019s more, in extreme cases, this is also enough to have your \ndriver\u2019s license\n withdrawn. Needless to say, that not paying your \ninsurance premiums\n will reflect very badly on your financial record as well. And because you can\u2019t even put your \ncar on the road without insurance\n, failing to pay your premium effectively means that you won\u2019t be able to drive anywhere until you fix this problem. So, how do you go about sorting through this and preventing the worst from happening? Well, in most cases, you can work things out with your insurer before everything gets out of hand. This will usually involve reaching out to your agent or the person in charge of your policy and finding out if your insurer operates a custom late payment fee.\n\n\n\n\nOnce you have made the late payment fees and you have come to an understanding with your insurer not to repeat paying late, your policy will be reactivated, and that would be all. However, in some cases, you cannot sort things out with your current \ninsurance provider\n. In this case, you need to start shopping for another insurer. This needs to be done quickly as it won\u2019t be a very easy feat to accomplish. Ultimately, as we said before, it\u2019s best to avoid defaulting on your \ncar insurance payment\n, if you possibly can. That remains the best way to avoid any complications with your policy.\n\n\nHave you Liked this video and Subscribed to our channel yet? Please do so before you leave, and don\u2019t forget to turn on notifications! Thanks for watching. See you in the next video!\n\n\nTags:\nInsurance Premiums\nLate Payment Fee\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/08/17/when-should-i-file-my-car-insurance-claim/", "title": "When Should I File My Car Insurance Claim?", "body": "Simply put, the best answer to this question is almost always; as quickly as possible. \nFiling an \ninsurance claim\n is an incredibly legal process that requires you to follow certain steps at specific points in time if you want to achieve the desired result. Failure to follow these steps could lead to your \ninsurance claim\n being denied or not paid in full. Being involved in a \ncar accident\n or having your car stolen is something no one ever wishes for. It\u2019s messy, it\u2019s dangerous, and people could get hurt. It is for these reasons that you should ever find yourself in either of these unpleasant scenarios, and you must guard your wits, first and foremost.\n\n\nCar insurance\n is an essential criterion for being on the road. For people who do everything they can to drive carefully and pay their premiums on time, it\u2019s vital you know when to take action in cases of accident or theft so you can enjoy the full benefits of your \ninsurance policy\n.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nIf You\u2019re Involved In An Accident\n\n\nFirst, you need to make sure you\u2019re okay. Once you\u2019re confident you\u2019re fine, you can contact the authorities, if necessary. If not, it\u2019s always advisable you contact your insurance company immediately after. If you can\u2019t do that right away for some reason, ensure you do so no later than 24 hours after the \ncar accident\n. The importance of this can\u2019t be overstated. First, the longer you wait to report an accident to your insurer, the harder it is for them to ascertain your claim. Second, it also means you\u2019ll have to wait longer to receive any payout for your \ninsurance claim\n. Depending on the \ninsurance coverage\n you operate and the nature of the accident, you are entitled to filing two types of claims:\n\n\nOwn Damage Claim\n\n\nYou can only file this claim to your insurer if you are on a comprehensive insurance policy. As a result of this, however, you may lose the benefits of having a \nNo Claim Discount\n.\n\n\nThird-Party Claim\n\n\nThis claim is filed by the insurance company of the other party involved in the accident. It is only valid if it has been confirmed that you bear no fault in causing the accident. In this case, it doesn\u2019t matter what insurance plan you\u2019re on. Consequently, your \nNCD\n is left untouched.\n\n\nIf Your Car Has Been Stolen\n\n\nReport this incident to the proper authorities at once! Contact your insurer immediately after. Keep in mind that you can only expect payout if you\u2019ve taken out more than the basic \ncar insurance\n package. In cases of \ncar theft\n, you can usually expect a payout from your insurer after about six months. Typically, this is how long it takes for the police to close such cases.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nTypes of Damages You Can Claim\n\n\nGeneral Damages\n\n\nPain and suffering to your person or passengers resulting from the accident are filed under here. You can only \nclaim\n this compensation from the insurer of the other party involved in the accident. That means that the other driver has to be deemed responsible for the accident to receive any payment. Therefore, the amount of compensation you get here depends on how involved you were in causing the accident.\n\n\nSpecial Damages\n\n\nThis claim covers any of the following expenses resulting from the accident. The \ntype of insurance\n you have will determine the extent to which these expenses are covered.\n\n\n\n\nMedical expenses\n\n\nCosts of transportation\n\n\nCost of vehicle rental, and so on\n\n\n\n\nConclusion\n\n\nYou can\u2019t control how or when accidents happen. However, you have control over what you do after they occur.\n\nContact the appropriate authorities immediately after an accident. Don\u2019t wait more than 24 hours to get in touch with your insurer. Lastly, be sure you understand the extent to which your \ninsurance coverage\n financially protects you.\n\n\nTags:\nAccidents\nCar Accident\nInsurance Claims\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/19/four-advantages-for-having-a-good-credit-score/", "title": "Four Advantages For Having a Good Credit Score", "body": "It can often be surprised when you hear talk of people building their credit scores. If you\u2019re not very familiar with such matters, you might be wondering just what the fuss is about. After all, you can do all you want financially, and you don\u2019t even know what your current credit score is! So, why should you even be bothered about having a good or \nbad credit score\n? Well, here are some \nthings you need to know\n! Before anything else, our team would like to emphasize the \nimportance of knowing your credit score\n. We\u2019ve highlighted the most important reasons you should always watch your score here. Here are only some reasons why having a good credit score is excellent:\n\n\n1. It Increases Your Chances Of Credit And Loan Approval\n\n\nSuppose you have a higher score, the higher your chances of getting virtually anything you want from banks or lenders. Most \nfinancial\n institutions generally consider people who score 650 and above are typically regarded as responsible and diligent. As such, these bodies are always eager to do business with them. A \ncredit score\n is almost always a strong indication that you pay your bills on time, and what lender doesn\u2019t want that?\n\n\n2. It May Afford You Lower Interest Rates\n\n\nSome financial institutions will often encourage people to do business with them by offering a cost-effective interest rate plan. However, more often than not, such features are more commonly reserved for individuals who have a good credit standing. Inversely, the fewer financial bodies willing to extend credit to people with poor credit scores will often do so only with considerable interest. Due to this, it pays to have a \ngood credit score\n as this will at least save you from paying exorbitant interest rates.\n\n\nCompare Personal Loan In Fincrew\n\n\n3. It Gives You Superior Negotiating Power\n\n\nAs times are tough, it should not surprise that individuals with excellent credit are a rare commodity. It gives the few who have maintained a stellar credit score a significant edge. The direct implication of this is that banks and lenders will be more willing to listen to what you have to say and, in many cases, make concessions to ensure that you don\u2019t take your business elsewhere. Your credit score will clearly show that you have all it takes to pay them back; you can almost always negotiate better deals.\n\n\nCheck your company eligibility & apply business loan online.\n\n\n4. It Helps You Get Higher Credit Limit\n\n\nAgain, it all boils down to trust. A \ngood credit score\n shows that you are trustworthy regarding money. Because of this, it won\u2019t be challenging to increase your \ncredit limit\n, should you wish to. So, you can choose to either secure a one-time or permanent \ncredit limit\n increase, all without stress!\n\n\nMalaysia Credit Score Table\n\n\nConclusion\n\n\nDo you see the perks of having a good credit standing now? If you want to enjoy all of that and more, the first thing you need to do is check your score.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nBad Credit Score\nCredit Limit\nCredit Score\nGood Credit Score\nLoan Application\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/09/02/death-cases-that-not-covered-in-term-life-insurance/", "title": "Death Cases That Not Covered In Term Life Insurance", "body": "Regarding making sure your loved ones\u2019 future is secured, \nterm life insurance\n is one of the most well-known options for you. \nTerm life insurance\n grants a lump sum death benefit to the insured\u2019s family if there should be an occurrence of an inevitability. Even though life \ninsurance plans\n intend to give \ninsurance coverage\n to the insured individual\u2019s recipient, there are certain prohibited death cases, so it\u2019s important to know which death cases are not covered in your policy. This article will talk about the kinds of deaths that are not covered by term life coverage.\n\n\nSuicidal Death\n\n\nA common situation where term life \ninsurance coverage\n will not payout is in the case of suicide. Suppose the policyholder commits suicide within the specified time frame of the suicide clause policy, usually the first two years of the policy. In that case, the beneficiary won\u2019t get the death benefits. Be that as it may, most insurers provide suicide coverage from the second year onwards from the date of acquisition of the policy, subject to terms and conditions.\n\n\nSmoking And Other Health-Related Issue\n\n\nThe incontestability clause becomes the most critical factor again if you were not precisely straightforward about your past smoking habits or if you somehow neglected to refer to that you have a condition, for example, hypertension. On the off chance that the insurance company discovers this during this one-to two-year time span, it has the option to drop your policy. Suppose you don\u2019t refer to that you have hypertension on your application in the same vein. Afterward, you bite the dust in a way that has nothing to do with your hypertension \u2014 might be in an auto crash \u2014 inside the time of contestability. The \ninsurance company\n could affirm that you had hypertension and that it might have been the reason for your death. In which case, they will not pay your beneficiary the death benefits.\n\n\nIllegal Activities\n\n\nIt goes back to that initial proclamation about sound judgment. If you pass on while carrying out wrongdoing or partaking in illegal activity, the insurance company can decline to make a payment. For instance, if someone is murdered while stealing a vehicle, the company will not pay the beneficiary. OK. That\u2019s genuinely self-evident. This next point may amaze you. Consider the possibility that you\u2019re doing something illegal and you don\u2019t know. Perhaps you\u2019re strolling on \nprivate property\n. Intruding is a crime \u2014 even if you don\u2019t realize you\u2019re intruding. Suppose a dog is pursuing you, and you have respiratory failure and bite the dust. If it appears that you were invading, your \nclaim\n could be denied.\n\n\nDeath Under The Influence Of Alcohol\n\n\nOn the off chance that a policyholder\u2019s death is due to \ndriving under the influence\n of liquor or opiate substances, the insurance company will dismiss the claim.\n\n\nDeath Due To Natural Disaster\n\n\nIf a policyholder with a term life \ninsurance\n plan kicks the bucket due to a natural disaster or a catastrophic event, for example, a quake, or tropical storm, at that point, the beneficiary won\u2019t get the claim from the insurance company.\n\n\nTags:\nLife Insurance\nNatural Disaster\nSuicidal Death\nTerm Life Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/08/13/how-auto-insurance-claims-work/", "title": "How Auto Insurance Claims Work", "body": "When an insured vehicle gets into a mishap, the car \nclaims insurance\n will often defer, depending on the scenario or situation under which the vehicle sustained damage. No one really plans for it\u2013However, at some point, the unthinkable inevitably happens. Perhaps your car was involved in an accident where no lives were lost, but it took a huge hit, or your vehicle was stolen. In times like these, the insurance you\u2019ve been taking pains to pay off bears its sweet fruit of benefits. Whether your car got pilfered, looted, or involved in an accident (regardless of who was at fault), the first thing that comes into play here is the type of \ninsurance\n you took out. After this, the condition under which \nloss or damage came to the car\n will then factor in.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nIn the Case of Theft\n\n\nIn many ways, this particularly unpleasant scenario is where the type of \ninsurance on your car\n matters the most. The validity of your \nclaim\n for insurance will only be considered if you possess\n\n\nComprehensive cover, theft cover, and third party fire\n\n\nThe primary third party \ninsurance policy\n doesn\u2019t extend to you or cover your vehicle in the incidence of theft. Instead, it is to protect and compensate \nthird parties\n in demise, bodily injury, or property destruction.\n\n\nCircumstance of Theft\n\n\nBasically, should the \ncar be stolen\n while not in your possession, you might find your \ninsurance claims\n rendered invalid. What\u2019s more, considering the nature of the vehicle\u2019s loss, processing a valid claim takes a significant amount of time, as upon notification of the \ntheft\n, the police and your insurer would have to conclude their investigation first before anything else.\n\n\nIn the Case of a Road Accident\n\n\nShould you find your vehicle involved in a \nroad accident\n, you can \nclaim insurance\n in two ways.\n\nYou can:\n\n\n\n\nClaim from your insurer, or\n\n\nFrom the other party\u2019s insurer\n\n\n\n\nClaiming From Your Insurer\n\n\nYou should note that you automatically lose your \nNo Claim Discount (NCD)\n benefit if you opt to do this. It is also essential that you follow due process promptly. For example, you need to file an incident report with the police within 24hours after the occurrence. Failure to do this within that time frame could mean an RM300 fine for you! Also, expect to inform your insurer of the accident as well promptly. Ideally, if you had your car moved to a body shop endorsed by your insurer as quickly as possible to ensure that you get your vehicle back within a short period. All that\u2019s left is for you to fill the \ninsurance claims\n document and return it to your \ninsurance\n company. From there, an adjuster will take over and see to it that work begins on your car.\n\n\nClaiming From the Other Party\u2019s Insurer\n\n\nBear in mind; this only works if you aren\u2019t the party at fault. After you must\u2019ve reported the accident to the police, you\u2019d need to send your vehicle to the workshop of the faulty party\u2019s insurer. You\u2019d also need the services of an adjuster to determine how much the repairs will cost and get a \nCART (Compensation for Assessed Repair Time)\n. At this point, you\u2019d have to finance the payment for the repairs yourself. After you\u2019ve sent certain documents to the faulty party\u2019s insurer, you\u2019d be promptly reimbursed.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nGeneral and Special Damages Claim\n\n\nDepending on the \ncoverage your insurance\n offers, you may be able to lay valid \ninsurance claims\n to specific damages. For instance, should you suffer injury as a result of the accident, the other party is liable to compensate you. They would pay you fully if they are entirely at fault or partially if you bear some responsibility for the accident, called General Damages, whereas Special Damages refer to the expenses you have to incur as a result of the accident, such as repairs and medical expenses.\n\n\nTags:\nCART (Compensation for Assessed Repair Time)\nFire and Theft Cover\nGeneral Damages\nInsurance Claims\nSpecial Damages\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/13/reasons-why-group-travel-insurance-makes-sense/", "title": "4 Reasons Why Group Travel Insurance Makes Sense", "body": "Perhaps you\u2019ve finally won your partner over to the idea of taking the whole extended family to Mexico. Maybe you\u2019re a priest on a mission trip to Africa or an art professor leading a group of college students on a quick visit to New York City\u2019s museums. Perhaps you and some buddies are finally checking off the world-famous golf courses on your bucket list. Whatever your situation, you should always be sure to secure \ngroup travel insurance\n for everyone on your trip before you go anywhere.\n\n\nWhy Buy a Group Travel Insurance Policy?\n\n\nWe realize that \npurchasing travel insurance\n isn\u2019t one of the most enjoyable aspects of planning a trip. Dinner reservations and finding the perfect vacation rental are probably more important than having everyone fill out an insurance form. There is good news, though \u2013 Fincrew can help simplify the process. The following are four \nreasons you need travel insurance\n for your family, girls\u2019 group, school, or volunteer group.\n\n\nDomestic Health Insurance Does Not Apply Abroad\n\n\nIf you have a multigenerational family going abroad or a group of international volunteers, it\u2019s essential to understand that your domestic health \ninsurance\n won\u2019t cover you overseas. Check the details of what is covered by each provider before traveling. Since domestic health insurance usually does not cover travel abroad, you would be responsible for the costs incurred if you get ill or injured in another country and navigate the medical system there on your own. Nevertheless, you can benefit from travel \nmedical insurance\n.\n\n\nYou Are Traveling To a High-Risk Destination\n\n\nEvery group isn\u2019t like this. The truth is that thousands of families visit Disney every year without incident. Some groups, however, may face increased risk due to the nature of their travel. Many mission groups, for instance, travel to less-developed countries or rural regions off the beaten path. Whenever this occurs, something can go wrong \u2013 someone becomes ill or injured, baggage gets lost while traveling to a remote location. Also, getting the appropriate medical treatment in an emergency will be more difficult when you need help. If a facility where you are staying cannot provide the level of care required for your medical condition, Fincrew travel medical insurance can provide emergency medical evacuation.\n\n\nThe More People, The Greater The Risk Of Mishaps\n\n\nNext, we will cover basic rules of probability as a reason why you should have \ngroup travel insurance\n. The possibility of something going wrong increases as travelers adds up too. It is more likely that they can turn ankles on a vineyard tour and that their lungs will catch a cold or respiratory illness. There might be damage to baggage by the airline, and it is more likely that lose money will happen if there is a canceled trip. Companies cannot eliminate risk, but \ntravel insurance\n reduces the amount of damage caused by it. If you compare the cost of not insuring everyone with the cost of insuring a group, but insurance cost of a group is minimal. Protecting a group\u2019s ethical and legal implications can be especially relevant when traveling with school groups, sports teams, or NGOs. Still, they can also apply to multigenerational family trips.\n\n\nIt Is Easier To Enroll As a Group\n\n\nIf you\u2019ve ever led a group for work or have been the one to organize your squad of friends\u2019 trips, you know how tricky it can be to get everyone to complete paperwork, pay for travel arrangements, and handle all the other logistics. There\u2019s always one person who is less responsible for their choices if there is a \u201cresponsible\u201d person. You can enroll more people when purchasing \ngroup travel insurance\n than individual policies. Choosing the group\u2019s destination and trip dates is as simple as selecting the dates for a solo trip and providing the age range of the travelers. If each person has unique needs, you can customize coverage for them if everyone in the group chooses the same coverage. One person pays for the plan with a credit card.\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nChoose The Right Travel Insurance For Your Group\n\n\nIf you or your traveling companions want more reasons to consider \ntravel insurance\n, visit www.fincrew.my. If you have any questions about coverage, we can answer them and help you select the best plan.\n\n\nTags:\nGroup Travel Insurance\nHealth Insurance\nTravel\nTravel Insurance\nTrip Insurance\nVacation Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/10/guide-to-getting-business-loans-for-online-sellers/", "title": "Guide To Getting Business Loans For Online Sellers", "body": "E-commerce has a lot of potential in Malaysia. There\u2019s zero doubt about that. But even with this, it isn\u2019t uncommon for eCommerce and online sellers to struggle a little with getting the ball rolling. So, if you want to get \nbusiness loans\n to boost your online business, follow these three (3) simple steps:\n\n\nStep One \u2013 Attend To The Legal Affairs Of Your Online Company\n\n\nAs every Malaysian knows, legalities are essential in the country. Because of this, you need to make sure you\u2019re very clear on the specifics of what type of \nonline business\n you\u2019re running. In addition to the above, you should also ensure a good picture of the local market. Along these lines, one thing you should be intimately familiar with is the debt collection law in the country. Finally, ensure that you have any license or permit necessary to run the type of \nonline business\n you\u2019ve set up.\n\n\nStep Two \u2013 Prepare a Clear And Concise Business Plan\n\n\nEven family members will be hesitant to extend you a line of credit if you don\u2019t give the impression that you\u2019re well put together and have a clear idea of where you\u2019re going. It goes double for corporate finance institutions. Consequently, it would help if you had a detailed and specific business plan. But having said that, it can be challenging to prepare a proper business plan. To help with this process, you can start by putting down all your thoughts and ideas for the online venture as well as your short and long-term goals for the virtual enterprise. It can help you get a clear sense of where you will go so you can prepare a more constructive business plan.\n\n\nStep Three \u2013 Start Knocking On Doors\n\n\nNow that you\u2019ve defined your brand and have a good business plan handy, the next thing on your to-do list becomes finding the best \nbusiness loans\n for your enterprise. One of the most practical and efficient ways of doing this is by looking at what funding opportunities the government is offering. Five (5) fantastic funding schemes we love are;\n\n\n\n\nThe TEKUN Financing Scheme.\n\n\nSoft \nLoan\n Schemes for Services Sector or SLSSS.\n\n\nThe Tambung Pembangunan Pengangkutan Awam Scheme or TPPA.\n\n\nTabung Usahawan Siswazah or TUS Scheme.\n\n\nSME Emergency Fund Program or SMEEF.\n\n\n\n\nHowever, as many of these programs tend to have a long waiting list, they aren\u2019t always ideal for online businesses that need the influx of cash as soon as possible. So alternatively, you can use the FinCrew Small and Medium Enterprise (SME) Loan \nComparison\n tool to get a rundown of what options you can access more quickly. It\u2019s simple to use, delivers excellent results, and it\u2019s completely free!\n\n\nCheck your company eligibility & apply business loan online.\n\n\nConclusion\n\n\nGetting your online business rolling can take a lot of resources. But now that you have better ideas to get more funds, we hope you have an easier time with the affair! See this for more help on securing outstanding \nSME business loans in Malaysia\n!\n\n\nTags:\nBusiness Loan\nOnline Business\nOnline Seller\nSME Emergency Fund Program\nSME Loan\nSoft Loan Schemes for Services Sector\nTabung Usahawan Siswazah\nTEKUN Financing Scheme\nThe Tambung Pembangunan Pengangkutan Awam Scheme\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/23/why-do-i-need-a-will-and-when-i-need-to-write-a-will/", "title": "Why Do I Need a Will And When I Need To Write a Will?", "body": "One of the most important documents one can acquire is their last will. But unfortunately, so many of us put it off for too long. It is a common misconception among Malaysians that they are too young to \nneed a Will\n. People often think they don\u2019t own enough assets or have enough net worth to \nneed a Will\n. Some even think it\u2019s too late to create one. You should always have a last \nwill\n no matter your age, net worth, or stage in life. It\u2019s our mission to protect families and extend legacies for as many people as we can. To achieve this, you should prepare your last will.\n\n\nTake care of your loved ones by planning your legacy today\n\n\nWhat Is a Will?\n\n\nA will\n specifies your wishes for distributing your property and caring for your minor children. You may not be able to have your wishes carried out if you die without a will. Additionally, your family may need to spend more time, money, and emotional energy settling your affairs after you die.\n\n\nWhy Should You Make a Will?\n\n\nMost people believe that wills are only necessary for the wealthiest or those with complex assets. However, having a choice has many benefits:\n\n\n\n\nThe beneficiaries of your assets can be clearly defined. You can specify how much and who will receive what.\n\n\nYou can protect your assets from people you don\u2019t want to have (estranged relatives).\n\n\nYour children can be cared for by someone. The courts will decide without a will.\n\n\nAccessing your assets will be a lot easier and faster for your heirs.\n\n\nYou can reduce your estate\u2019s tax burden by planning. Additionally, charitable donations and gifts can reduce the estate tax.\n\n\n\n\nWhen Should You Make a Will?\n\n\nThe need for a will is a topic of discussion among professionals. Here are some categories of people who need (and who do not need) one.\n\n\nDo You Have a Spouse? You Need a Will\n\n\nA will is imperative for married people who are so closely bound to their spouse that they must put in writing who gets their assets after their death. Regardless of whether you have a will, your spouse will likely inherit your possessions. However, it would be best if you didn\u2019t leave that to chance. If you wish to leave any of your assets to someone other than your spouse, you must include this in your will, as it is not the default.\n\n\nAre You a Parent? You Need a Will\n\n\nYou should make \na will\n if you have children since they may inherit your things if you die intestate, but this is not certain. Therefore, if you want your children to inherit after you, you have to do it in writing to avoid misunderstanding or errors during inheritance. If you do not want your children to inherit, document it.\n\n\nWhat Is Your Net Worth? You Probably Need a Will\n\n\nYou should have a will when you have a positive net worth and are single and do not have children. Specifically, suppose you have over RM200,000 in assets. In that case, you should seriously consider establishing a living trust that kicks in immediately after the trust is signed. Having a will or a trust in place is almost always easier on your family when you have \nassets to distribute when you die\n. When it comes to death, clarity is critical.\n\n\nWhat If You Are Young, Broke, Single, And Didn\u2019t Have Children? A Will Isn\u2019t Necessary (Yet)\n\n\nTypically, your will directs the distribution of your assets, so if you do not have that many assets to distribute, you might be able to do without one. Taking my friend Mariam as an example, she is 28 years old, not married, and has a significant student \nloan\n debt. Because Mariam doesn\u2019t have dependents or \nassets\n, she doesn\u2019t need a will. Getting a will is an excellent idea if you get married, have children, or acquire \nassets\n (money or property).\n\n\nTags:\nDigital Assets\nInheritance\nOnline Will Writing\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/01/20/anda-boleh-dipenjarakan-jika-ditangkap-menunggang-tanpa-insurans-motosikal/", "title": "Anda Boleh Dipenjarakan Jika Ditangkap Menunggang Tanpa Insurans Motosikal", "body": "Adakah anda mempunyai motosikal dan gemar manunggangnya? Sama ada anda ke tempat kerja atau ke pasar berdekatan untuk membeli buah, menunggang motosikal merupakan cara yang mudah untuk menempuh trafik. Anda boleh mengelakkan kesesakan lalu lintas dan dapat sampai ke destinasi dengan lebih cepat. Tetapi bagaimana pula dengan \ninsurans motosikal\n? Adakah ianya wajib? Dan apa akibatnya jika tidak memilikinya? Teruskan pembacaan untuk mengetahui kenapa \ninsurans motosikal\n sangat penting!\n\n\nJoin Fincrew Official Telegram Channel\n\n\nAdakah Undang-undang Memerlukan Saya Untuk Memiliki Insurans Motosikal?\n\n\nJika anda lihat dalam Undang-undang Pengangkutan Jalan, anda akan mendapati bahawa dalam Seksyen 90 ada mengatakan bahawa, \u201cpengguna kenderaan bermotor harus diinsurankan terhadap risiko pihak ketiga\u201d. Dalam seksyen yang sama juga, jika anda tidak memiliki \ncukai jalan\n dan insurans, anda boleh dikenakan hukuman penjara sehingga tiga bulan, Selain itu, anda perlu membayar denda sehingga RM1,000! \nPolisi insurans\n yang sah diperlukan untuk memperoleh cukai jalan. Jika anda tidak mempunyai cukai jalan, denda boleh meningkat sehingga RM3,000. Tidak mahu membayar denda dan menghabiskan masa di dalam penjara mungkin menjadi sebab ramai yang mendapatkan insurans motosikal. Namun begitu, jika anda lihat kepada sesetengah statistik, anda akan mendapati bahawa keselamatan dan juga ketenangan jiwa merupakan sebab utama kenapa anda perlu mendapatkan \ninsurans motosikal\n.\n\n\nPenunggang Motosikal Mengalami Kecederaan Yang Lebih Teruk Dalam Kemalangan\n\n\nSekiranya kemalangan berlaku antara motosikal dan juga kereta, penunggang motosikal selalunya akan mengalami kecederaan yang lebih teruk. Ini kerana pemandu kereta akan dilindungi beg udara manakala, penunggang motosikal pula mungkin akan jatuh dari motosikal dan terseret di atas jalan raya. Setiap orang seharusnya bertanggungjawab semasa berada di atas jalan raya. Tetapi, bagaimana anda telah melakukan semuanya dengan patuh, tapi masih juga tercedera?\n\n\nMungkin anda mengalami kecederaan otot, kulit terbakar, atau patah tulang, atau mungkin juga kerosakan kenderaan yang ketara. Di sinilah \npolisi insurans motosikal\n memainkan peranan penting. Ia bertindak untuk menawarkan pelindungan kewangan untuk sebarang kerosakan yang dialami kenderaan anda disebabkan pihak ketiga. Anda tidak perlu membayar kos kerosakan motosikal. Ini membantu anda daripada terlibat dengan masalah kewangan.\n\n\nPelindungan Daripada Kecurian\n\n\nStatistik untuk kes kecurian motosikal adalah membimbangkan. Selama bertahun-tahun, kes melibatkan kecurian motosikal adalah lebih tinggi berbanding dengan kecurian kereta. Sebagai contoh, sebanyak 6,502 buah motosikal telah dicuri pada tahun 2015. Ini merupakan satu jumlah yang besar. \nPolisi insurans motosikal\n akan memberikan pelindungan daripada kecurian. Jika anda telah melakukan segalanya yang termampu untuk menjaga motosikal anda dan ia tetap dicuri, anda boleh mendapatkan pelindungan kewangan.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nSekaranglah Masa Untuk Mendapatkan Insurans Motosikal\n\n\nJika anda merupakan seorang pemilik motosikal, sekaranglah masa untuk anda mendapatkan \npolisi insurans\n. Mengapa anda perlu mengambil risiko untuk membayar denda jika polis menahan anda menunggang tanpa mempunyai dokumen yang sepatutnya? Insurans motosikal juga merupakan salah satu jaminan keselamatan. Anda akan berasa lebih tenang kewangan anda dilindungi sekiranya motosikal anda dicuri. Selain itu jika kemalangan yang dialami oleh anda itu adalah disebabkan oleh kecuaian pihak ketiga, anda tidak perlu membayar sebarang ganti rugi. Pastikan anda mendapatkan polisi insurans yang sesuai dengan keperluan anda dan anda boleh menunggang motosikal anda itu tanpa perlu risau tentang denda dan juga masalah kewangan!\n\n\nTags:\nInsurans Motosikal\nPolisi Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/02/15/workers-compensation-in-insurance-explained/", "title": "Workers Compensation In Insurance Explained", "body": "Taking reasonable measures to ensure that the workplace is safe is a legal obligation for employers. But, unfortunately, accidents still occur. If this happens, \nworkers compensation insurance\n can provide compensation.\n\n\nWhat\u2019s Workers Compensation Insurance\n\n\nA \nworkers compensation\n policy is an insurance policy paid for by employers that provides wage replacement and medical benefits to employees when injured while at work. Purchasing coverage for the employee\u2019s gift does not give the employee the right to sue the employer for tort negligence. This system is referred to as the compensation bargain because it restricts both parties\u2019 legal recourse due to injuries.\n\n\nUnderstanding Workers Compensation Insurance\n\n\nFor a work-related injury or death, the employee or dependents are entitled to \nworkers compensation insurance\n benefits. Employers provide this type of insurance, covering several benefits, including medical care, lost wages, and rehabilitation. As long as the worker is not under the influence of alcohol or drugs, \nworkers compensation\n benefits are generally awarded no-fault. However, following an on-the-job accident, employers usually require employees to submit to drug testing. In addition, when a worker dies on the job, workers compensation can reimburse some lost wages and provide survivor benefits. In the event of a covered workers compensation loss, a workers compensation policy will pay employees\u2019 medical bills, related expenses, and lost wages. When defined injuries occur, payments are usually made per predetermined schedules. Adjusters \ncalculate the costs\n and make payments accordingly.\n\n\nWhat Injuries Are Covered?\n\n\nIf an employee gets into an accident at work, expenses are covered by workers compensation; however, this will apply if the employee availed the insurance. Traffic accidents are the leading cause of workers compensation death claims when an employee is driving for work purposes, whether operating the company\u2019s vehicle or driving his truck. However, workers compensation does not cover accidents to or from work. The workers compensation system also covers injuries suffered by employees due to work-related violence, terrorist attacks, and natural disasters. A worker\u2019s compensation policy covers occupational illnesses as well. Chemical workers, for instance, may become ill from \nexposure\n to toxic chemicals.\n\n\nInjured Workers Receive What Kind Of Treatment?\n\n\nAll medically appropriate and necessary treatment is given to injured workers. However, many states have adopted measures to contain expenses in response to escalating medical costs. Among these guidelines are utilization management guidelines, which specify acceptable treatment protocols and diagnostic tests based on specific injuries.\n\n\nThe Employer\u2019s Responsibilities\n\n\nThere are no policy limits in workers compensation plans, so the insurer pays all benefits required by workers compensation law as listed in the declarations. However, employers may be liable for payments made by insurers that exceed regular workers compensation benefits. Employers are responsible for such costs under these circumstances because:\n\n\n\n\nMisconduct that is willful and serious\n\n\nHiring illegal workers with knowledge of the law\n\n\nNoncompliance with health or safety regulations\n\n\nAny employee discharged, coerced, or discriminated against in violation of the workers compensation law\n\n\n\n\nHaving committed this misconduct, an employer must reimburse the insurer for any payments that exceed regular workers compensation benefits.\n\n\nWorkers Compensation Insurance Quick Facts Sheet\n\n\n\n\nRegardless of whether you miss time at work, your employer must pay for any medical care you receive if you are hurt at work.\n\n\nIn most cases, employees cannot sue their employers for work-related injuries.\n\n\nRegardless of who caused your job injury, you are entitled to benefits.\n\n\nEmployers are forbidden from punishing or firing an employee for requesting workers compensation benefits or having a job-related injury.\n\n\nEven if they are considered independent contractors, independent contractors may be covered by workers compensation as employees.\n\n\n\n\nTags:\nWorkers Compensation\nWorkers Compensation Law\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/01/26/%e8%bd%a6%e9%99%a9%e8%a2%ab%e5%8f%96%e6%b6%88%e4%ba%86%e8%af%a5%e6%80%8e%e4%b9%88%e5%8a%9e/", "title": "\u8f66\u9669\u88ab\u53d6\u6d88\u4e86\uff0c\u8be5\u600e\u4e48\u529e\uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u5728\u6295\u4fdd\u7684\u8fc7\u7a0b\u4e2d\uff0c\u6709\u5f88\u591a\u539f\u56e0\u9020\u6210\u4fdd\u9669\u88ab\u53d6\u6d88\uff0c\u4f46\u8fd9\u4e9b\u539f\u56e0\u4e0d\u5916\u4e4e\u5c31\u662f\u8f66\u4e3b\u60f3\u9000\u4fdd\u6216\u662f\u4fdd\u9669\u516c\u53f8\u53ef\u80fd\u56e0\u8f66\u4e3b\u65e0\u6cd5\u4ea4\u4ed8\u4fdd\u9669\u8d39\u800c\u9000\u4fdd\u3002\u65e0\u8bba\u662f\u4efb\u4f55\u4e00\u79cd\u539f\u56e0\uff0c\u4eca\u5929\u7684\u5f71\u7247\uff0c\u6211\u4eec\u5c31\u548c\u5927\u5bb6\u4e00\u8d77\u63a2\u8ba8\u5982\u679c\u6c7d\u8f66\u4fdd\u9669\u88ab\u53d6\u6d88\u4e86\uff0c\u63a5\u4e0b\u6765\u4f1a\u53d1\u751f\u4ec0\u4e48\u4e8b\u5462\uff01\n\n\n\u7b2c\u4e00\u3001\u4fdd\u9669\u5931\u6548\n\n\n\u65e0\u8bba\u662f\u662f\u4f60\u53d6\u6d88\u4fdd\u9669\uff0c\u8fd8\u662f\u4fdd\u9669\u516c\u53f8\u9000\u4fdd\u3001\u53c8\u6216\u662f\u4f60\u6ca1\u6709\u66f4\u65b0\u4fdd\u9669\uff0c\u4f60\u7684\u4fdd\u9669\u5c06\u4f1a\u5931\u6548\u3002\u8fd9\u610f\u5473\u7740\uff0c\u5982\u679c\u4f60\u5728\u4fdd\u9669\u5931\u6548\u671f\u53d1\u751f\u4e8b\u6545\uff0c \u4f60\u4e0d\u4f46\u4e0d\u80fd\u7533\u8bf7\u7d22\u8d54\uff0c\u8fd8\u53ef\u80fd\u56e0\u9700\u652f\u4ed8\u4e00\u7b14\u635f\u5931\u8d39\uff0c\u800c\u9020\u6210\u7ecf\u6d4e\u538b\u529b\u3002\u56e0\u6b64\uff0c\u5728\u9009\u62e9\u9000\u4fdd\u6216\u662f\u65e0\u6cd5\u507f\u8fd8\u4fdd\u9669\u8d39\u65f6\uff0c\u8bb0\u5f97\u9884\u5148\u548c\u4f60\u7684\u4fdd\u9669\u4e2d\u4ecb\u5546\u91cf\uff0c\u4ee5\u505a\u597d\u5b89\u6392\u540e\u7eed\u7684\u8ba1\u5212\u3002\n\n\n\u7b2c\u4e8c\u3001\u65e0\u6cd5\u66f4\u65b0\u9053\u8def\u7a0e\n\n\n\u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u60f3\u8981\u5728\u9053\u8def\u4e0a\u884c\u9a76\uff0c\u5c31\u5fc5\u987b\u62e5\u6709\u9a7e\u7167\u3001\u8f66\u9669\u548c\u7f34\u4ed8\u9053\u8def\u7a0e\u3002\u800c\u7f34\u4ed8\u548c\u66f4\u65b0\u9053\u8def\u7a0e\u53ea\u80fd\u5728\u62e5\u6709\u8f66\u9669\u540e\u624d\u80fd\u66f4\u65b0\u7684\u3002 \u4e00\u822c\u4e0a\uff0c\u4f60\u7684\u8f66\u9669\u548c\u9053\u8def\u7a0e\u51e0\u4e4e\u662f\u540c\u65f6\u8fc7\u671f\u7684\uff0c\u6240\u4ee5\uff0c\u4f60\u53ea\u9700\u4e00\u6b21\u6027\u5b8c\u6210\u66f4\u65b0\u8f66\u9669\u548c\u9053\u8def\u7a0e\u5c31\u53ef\u4ee5\u4e86\u3002\u6709\u4e9b\u4fdd\u9669\u4e2d\u4ecb\u4e5f\u4f1a\u63d0\u9192\u4f60\u5e76\u4e14\u4e3a\u4f60\u5904\u7406\u66f4\u65b0\u7684\u670d\u52a1\uff0c\u6240\u4ee5\u4f60\u4e5f\u65e0\u9700\u62c5\u5fc3\uff01\n\n\n\u7b2c\u4e09\u3001\u4fdd\u9669\u8d39\u4f1a\u589e\u52a0\n\n\n\u5982\u679c\u4f60\u662f\u56e0\u957f\u671f\u65e0\u6cd5\u7f34\u4ed8\u4fdd\u9669\u8d39\u800c\u88ab\n\u4fdd\u9669\u516c\u53f8\n\u53d6\u6d88\u4fdd\u9669\uff0c\u53c8\u6216\u662f\u7ecf\u5e38\u65e0\u6cd5\u51c6\u65f6\u7f34\u4ed8\u4fdd\u9669\u8d39\uff0c\u800c\u5f53\u4f60\u91cd\u65b0\u8d2d\u4e70\u4fdd\u9669\u6216\u662f\u7eed\u4fdd\u65f6\uff0c\n\u4fdd\u9669\u516c\u53f8\n\u4f1a\u56e0\u4e3a\u4f60\u7684\u8fd9\u4e9b\u8bb0\u5f55\uff0c\u800c\u63d0\u9ad8\u4f60\u7684\u4fdd\u9669\u8d39\uff0c\u751a\u81f3\u62d2\u4fdd\u3002\u6240\u4ee5\u8bf7\u786e\u4fdd\u4f60\u5b9a\u65f6\u7f34\u4ed8\u4f60\u7684\n\u8f66\u9669\n\u8d39\u7528\uff0c\u522b\u5230\u65ad\u4fdd\u7684\u65f6\u5019\u624d\u6765\u540e\u6094\u3002\n\n\n\u5e0c\u671b\u901a\u8fc7\u4eca\u5929\u89c6\u9891\uff0c\u4f60\u5df2\u7ecf\u4e86\u89e3\u8981\u66f4\u591a\n\u8f66\u9669\n\u7684\u54a8\u8be2\u3002\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\n\u4fdd\u9669\u516c\u53f8\n\u8f66\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/05/13/apakah-kriteria-yang-mempengaruhi-kadar-insurans-kereta/", "title": "Apakah Kriteria yang Mempengaruhi Kadar Insurans Kereta?", "body": "\n\nJika anda pernah membandingkan harga \ninsurans\n anda dengan apa yang dibayar oleh rakan-rakan, keluarga atau rakan sekerja anda, anda mungkin akan dapat melihat beberapa perbezaan yang ketara. Kenapa agaknya? Apakah faktor yang menentukan \nkadar insurans kereta\n anda? Adakah anda sedang ditipu oleh \nsyarikat insurans\n anda? Sebagai pemilik kenderaan dan pemegang \npolisi insurans\n, ini merupakan soalan yang perlu anda cari jawapannya. Nasib baik, inilah sebab kami di sini!\n\n\nHi. Selamat datang ke satu lagi episod dalam siri Insurans 360, saya Yuna duta jenama Fincrew. Dan hari ini, saya akan menghoskan video ini. Oleh itu, jangan ketinggalan untuk video-video lain yang bermanfaat seperti ini! Sebelum menonton lebih lanjut lagi, ambil masa untuk tekan butang \u2018subscribe\u2019 dan aktifkan notifikasi supaya anda akan sentiasa mendapat \u2018update\u2019 setiap kali terdapat video baru! Jika anda telah lakukannya, mari kita teruskan sekarang!\n\n\nAnda mungkin sudah tahu bahawa \nkadar insurans kereta\n adalah berbeza-beza. Sebenarnya tidak ada harga tertentu atau tetap untuk mana-mana \npolisi insurans\n. Maksudnya, apa yang anda bayar untuk insurans tersebut adalah unik dan direka khusus untuk anda berdasarkan situasi persekitaran anda. Ramai pemilik kenderaan percaya bahawa mengurangkan pelindungan dan apa yang anda bayar setelah pengurangan akan menentukan kadar insurans anda. Walaupun benar, perkara ini boleh mempengaruhi kadar insurans anda, ia bukanlah satu-satunya faktor yang menentukan kadar insurans tersebut. Sebenarnya, terdapat banyak lagi \nfaktor yang boleh mempengaruhi kadar insurans\n anda. Antara faktor-faktornya adalah:\n\n\n\n\nUsia anda\n\n\nJantina anda\n\n\nStatus perkahwinan anda\n\n\nLokasi geografi anda\n\n\nSejarah pemanduan anda\n\n\nSejarah tuntutan anda\n\n\n\u2018Mileage\u2019 kereta anda\n\n\nSaiz kenderaan anda\n\n\nUsia kenderaan anda\n\n\nKeselamatan kenderaan anda dari kecurian\n\n\n\n\nDan banyak lagi. Apa yang menarik, setiap faktor ini akan dinilai secara berbeza. Oleh sebab itu, sesetengah faktor tersebut akan mempengaruhi kadar insurans anda menjadi lebih tinggi berbanding dari faktor lain. Kami akan membincangkan beberapa faktor penting sekarang.\n\n\nLokasi Geografi Anda\n\n\nPerkara pertama yang akan syarikat insurans tanyakan kepada anda adalah di mana anda tinggal? Ini kerana kawasan bandar dan juga lokasi yang ramai penduduk berkemungkinan tinggi untuk berlaku kemalangan dan seterusnya menyebabkan banyak kes tuntutan. Beberapa risiko lain juga boleh dilihat dan dianggarkan berdasarkan faktor lokasi sahaja.\n\n\nUsia Anda\n\n\nBanyak syarikat insurans yang mengandaikan semakin muda seseorang pemandu itu, maka semakin mudah untuk mereka terdedah kepada kemalangan. Ini akan mempengaruhi kadar insurans anda. Sebab itulah, orang yang lebih berusia cenderung mendapat kadar insurans yang lebih rendah daripada individu yang lebih muda.\n\n\nJantina Anda\n\n\nYa! Jantina juga memainkan peranan yang penting di sini. Terdapat beberapa kajian yang menyokong bahawa pemandu wanita memandu lebih selamat berbanding dengan pemandu lelaki. \nSyarikat insurans\n bertindak berdasarkan maklumat ini. Oleh sebab itu, pemandu lelaki mungkin akan mendapati kadar insurans mereka adalah lebih tinggi berbanding dengan pemandu wanita.\n\n\nSejarah Pemanduan Anda\n\n\nIni merupakan salah satu faktor terbesar yang mempengaruhi tinggi atau rendah kadar \ninsurans kenderaan\n anda. Sejarah pemanduan yang baik bukan sahaja akan menjadikan kadar insurans anda menjadi lebih rendah tetapi juga membantu anda untuk mendapatkan manfaat istimewa seperti \nDiskaun Tanpa Tuntutan (NCD)\n.\n\n\n\u2018Mileage\u2019 Kenderaan Anda\n\n\nSejauh mana dan seberapa kerap anda memandu kenderaan juga memainkan peranan penting di sini. Jika anda sekadar memandu untuk pergi dan balik dari tempat kerja, anda akan dikenakan bayaran yang lebih rendah berbanding dengan pemandu yang memandu lebih jauh dan lebih kerap.\n\n\nHah! Sekarang anda dah tahu bukan? Nantikan episod akan datang dari siri Insurans 360 untuk mendapatkan lebih maklumat tentang pelbagai lagi faktor yang mungkin akan mempengaruhi kadar insurans kereta anda!\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nTags:\nInsurans Kereta\nMileage\nPolisi Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/05/maksud-kfk-knock-for-knock-dalam-terma-insurans/", "title": "Maksud KFK (Knock For Knock) Dalam Terma Insurans", "body": "Pernahkah anda mendengar tentang perjanjian \u2018\nKnock for Knock\n\u2019 dalam insurans auto? Atau pernahkah sesiapa bertanya kepada anda mengenai tuntutan kerosakan sendiri atau kerosakan sendiri \u2018\nknock for knock\n\u2019? Jika tidak, teruskan membaca untuk mengetahui dengan lebih lanjut.\n\n\nApa Itu Perjanjian \u201cKnock For Knock\u201d\n\n\nPerjanjian \u2018knock for knock\u2019 adalah kontrak yang ditandatangani di antara semua syarikat insurans di Malaysia untuk mengawal syarikat insurans daripada melaksanakan \u2018quid pro quo\u2019 terhadap satu sama lain. Tanpa mengira pihak mana yang bersalah. Tujuan perjanjian ini adalah, supaya setiap \nsyarikat insurans\n perlu bertanggungjawab bagi setiap kerosakan yang berlaku kepada kenderaan pelanggan mereka, tanpa membuat tuntutan terhadap syarikat insurans yang lain, walaupun mungkin syarikat insurans lain yang bersalah. Sebagai contoh, jika kereta saya dilanggar oleh pemandu kereta lain, katakan nama pemandu tersebut Sam.\n\nDalam senario seperti ini, Sam yang bersalah. Prosedur standard adalah syarikat insurans saya akan memfailkan tuntutan pihak ketiga terhadap syarikat insurans Sam atas kerosakan harta benda. Walau bagaimanapun, proses ini memenatkan dan memakan masa yang lama kerana anda perlu mengemukakan tuntutan mahkamah terhadap syarikat insurans lain di mahkamah. Selalunya, terdapat banyak tuntutan kemalangan kecil di mahkamah antara syarikat insurans, jadi ia menjadi alasan untuk perjanjian \u201c\nknock for knock\n\u201d.\n\n\nMengapa Knock For Knock Penting?\n\n\nSeperti yang kita semua tahu, orang yang menyebabkan kerosakan pada kereta perlu bertanggungjawab untuk membayar pampasan, dan polisi pihak ketiga akan meneruskan bayaran balik tersebut. Tapi realitinya tidak semudah itu. Proses untuk \nmengemukakan tuntutan\n pihak ketiga adalah panjang dan meletihkan serta melibatkan pihak polis dan mahkamah. Anda perlu membawa pemandu yang bersalah ke mahkamah, dan proses ini mungkin agak panjang dan mahal. KFK bukanlah sesuatu yang wajib di sisi undang-undang, dan syarikat insurans sedar tentang perkara ini. Tapi, mereka memilih untuk mengelakkan kelewatan yang tidak perlu iaitu dengan membawa tuntutan pihak ketiga ke mahkamah. Ia turut menyelamatkan kedua-dua pihak daripada rasa kecewa ketika memfailkan tuntutan mahkamah dan mendapat kertas pertuduhan daripada polis. Paling penting, KFK bertujuan untuk mempercepatkan bayaran kos membaiki kerosakan yang dialami tanpa menimbulkan sebarang kesulitan kepada pelanggan.\n\n\nApakah Pilihan Saya?\n\n\nJadi pilihan terbaik untuk anda, jika anda tidak mahu mengemukakan tuntutan pihak ketiga adalah dengan memfailkan \ntuntutan Kerosakan Sendiri\n (OD). Ini adalah tuntutan yang dibuat oleh pemandu yang terlibat dalam kemalangan, di mana pemandu tersebut tidak bersalah terhadap syarikat insuransnya sendiri. Dalam tuntutan ini, pemandu tidak akan kehilangan \nDiskaun Tiada Tuntutan\n dengan syarat pemandu memiliki polisi komprehensif. \nTuntutan Kerosakan Sendiri\n juga disebut sebagai \u2018Own Damage Knock for Knock\u2019 (ODKFK), adalah manfaat bagi kereta persendirian dengan polisi komprehensif.\n\n\nManfaat ini hanya dapat diguna pakai sekiranya anda mengalami kemalangan dengan kenderaan persendirian lain yang juga menggunakan polisi komprehensif. Jika tidak, anda akan kehilangan Diskaun Tiada Tuntutan. Walau bagaimanapun, ialah penting penting untuk anda tahu bahawa ODKFK tidak boleh digunakan dalam semua situasi. Sebagai contoh, ODKFK tidak akan digunakan jika pihak ketiga yang terlibat mendapat kecederaan badan tanpa mengira siapa yang bersalah, atau jika syarikat \ninsurans kenderaan\n pihak ketiga tidak menjalankan perniagaannya di Malaysia, iaitu lokasi syarikat insurans bukan di Malaysia. Ini bermakna syarikat insurans terbabit tidak terikat dengan perjanjian KFK. ODKFK juga tidak akan digunakan jika kenderaan pihak ketiga adalah bas, teksi, limosin atau kereta yang disewa.\n\n\nJadi, jika anda dapati diri anda berada dalam situasi seperti di atas, anda mungkin perlu menggunakan prosedur biasa untuk tuntutan Kerosakan Pihak Ketiga terhadap syarikat insurans pemandu lain atau membuat tuntutan Kerosakan Sendiri dan kehilangan \nNCD\n anda sekiranya anda memiliki \npolisi Komprehensif\n.\n\n\n\n\nTags:\nKnock for Knock\nKomprehensif\nNo Claim Discount (NCD)\nODKFK\nOwn Damage Knock for Knock\nTuntutan Kerosakan Sendiri\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/04/pandemic-coverage-in-travel-insurance/", "title": "Pandemic Coverage In Travel Insurance", "body": "When COVID-19 hit, many \ntravel insurance policies\n didn\u2019t cover cancellations and interruptions, often because they didn\u2019t cover pandemics. Nonetheless, the \ntravel insurance\n industry launched an avalanche of new guidelines covering the illness when many foreign destinations began requiring them. All \ntravel insurance policies\n do not always cover Covid-19-related trips, so it is essential to read the policy\u2019s fine print details before you subscribe. Like any \ninsurance\n, it is all in the details, including its coverage for \ntravel insurance\n. Here are some \nthings you should know\n.\n\n\n\n\nIs It Possible To Get The Insurance That Covers COVID?\n\n\nYes, but you should clarify what aspects of the pandemic are under terms like \u201cCOVID-19 Holiday Insurance\u201d. There are obvious ones, such as medical costs overseas and repatriation if you or someone in your family becomes ill. For example, you cannot board a flight because you have to isolate yourself or leave early due to a close relative becoming severely sick with COVID. It is also possible to compare different types of \ncoverage from the same insurer\n.\n\n\nWill My Policy Cover Me If I Catch COVID?\n\n\nAt the start of international travel again, most, if not all, newly purchased policies cover emergency medical expenses abroad as standard. The disease then became just another illness on the insurance list \u2013 so long as it was not a pre-existing condition. The same applies if you need to cancel a trip for valid reasons, so even if you catch COVID before you travel, it will cover the costs. Some policies allow you to miss your outbound flight if you do not arrive in time for your \u201cfit to fly\u201d Covid test. It is better to buy a policy as soon as possible. A policy may require proof of vaccination.\n\n\nIs It Possible To Cancel My Vacation Before I Leave?\n\n\nCancelling your \ninsurance policy\n may be possible (before travel, of course), but balancing the vacation itself is probably considered \u201cdisinclination to travel\u201d by insurance companies. However, the policies typically recognize the need to cancel a trip due to a family bereavement. Still, there are a few other situations in which you may be able to recover the cost of tickets or deposits.\n\n\nWhen I Test Positive Abroad, Will I Be Covered?\n\n\nIn Malaysia, policies vary more, but many cover the additional costs of staying in a hotel longer than planned due to a positive Covid test and the inability to travel home. It is possible to find a provision for quarantine in any section of the policy regarding emergency medical expenses, alongside valid reasons for injury or \nillness\n. When you book the trip or buy the policy (whichever comes first), you need to be symptom-free, and you should tell them if you have had Covid before.\n\n\nIs Hotel Quarantine Covered?\n\n\nMost likely not in Malaysia, unless you\u2019re abroad. Depending on your policy, you might be covered if you must stay abroad longer than planned in a hotel and cannot go on excursions booked. Alternatively, you may not be covered if, after booking your trip, your destination implemented an incoming quarantine policy.\n\n\nTags:\nCOVID-19\nCOVID-19 coverage\nPandemic Cover\nVacation Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/04/15/what-insurance-can-malaysia-business-buy/", "title": "What Insurance Can Malaysia Business Buy?", "body": "In Malaysia, having the right \nbusiness insurance\n gives you more than just peace of mind. It is essential for the protection and management of your \nbusiness\n. You face particular risks from the moment you start a \nbusiness\n. Before hiring their first employee, businesses\u2019 exposure to risk is vital to have the right insurance coverage. Small companies could close by just one lawsuit or catastrophic event before they even have a chance to launch. There are various insurance types available to businesses in Malaysia to protect them against these perils. Here is a list that every business must have in place as soon as possible.\n\n\nPublic Liability Insurance\n\n\nYou must consider proper Public Liability Insurance for your business if it is open to third-party visitors. Restaurant businesses, in particular, can benefit from this. The Public Liability \nInsurance\n policy would come into effect if someone slipped and fell or contracted food poisoning in your restaurant. The policy would cover these cases for any medical expenses or damage \nclaims\n.\n\n\nProperty Insurance\n\n\nProperty insurance must be purchased by every business, whether they own their space or lease it. If your business experiences a fire, storm, or \ntheft\n, the insurance will cover your equipment, signage, and inventory. Standard property insurance policies don\u2019t typically cover floods and earthquakes because they are special events. You may check with your insurer to see if a separate policy will cover these issues in your area.\n\n\nWorkers\u2019 Compensation Insurance\n\n\nThe business should add workers\u2019 compensation insurance to its insurance policy once they hire the first employee. If an employee is injured while in the workplace, the policy will cover medical treatment and disability. Injuries caused by slip-and-falls or medical conditions such as carpal tunnel syndrome can result in expensive claims even for employees who do seemingly low-risk tasks.\n\n\nProduct Liability Insurance\n\n\nA product liability policy is essential if your business manufactures products for general sale. Sometimes, despite the company\u2019s efforts to ensure its products are safe, it will still be named a defendant in a lawsuit due to damages its effect may have caused. The right kind of product liability insurance can protect a business in such a case, with coverage customized to suit the specific needs of a given product.\n\n\nVehicle Insurance\n\n\nCompany vehicles should be fully \ninsured so that businesses are not held personally liable in an accident\n. The industry should at the very least ensure against third-party injury, but \ncomprehensive insurance\n will provide coverage in the event of a collision. Personal insurance will protect employees if they use their vehicles for business purposes. The major exception is when they\u2019re providing a fee-based service, including delivery personnel.\n\n\nBusiness Interruption Insurance\n\n\nBusinesses will likely suffer interruptions in operations when disasters or other catastrophic events occur. Because of the reduced amount of time your staff can spend at work, generating products, or making sales calls, your business will suffer income loss. In general, this type of insurance applies to companies that operate from a physical location, including retailers. During such events, a business interruption policy compensates it for its lost income.\n\n\nOffice All Risk Insurance\n\n\nThis is a type of \nbusiness insurance\n, or property damage insurance small business owners or property owners can take out to cover any peril. We can\u2019t guarantee anything in life. But, while you can\u2019t protect yourself against every single eventuality, there are a few things you can do to prepare yourself extensively for any unfortunate situation. One of the several measures you can employ to ensure this is to take out the \nFincrew office all risk insurance\n. This insurance will always kick in and protect you, as it is still in your policy or coverage.\n\n\n\n\nA business can stop a significant financial loss by having the right insurance in place in case of a lawsuit or catastrophic event. FINCREW insurance can help you determine what forms of insurance are best for your business and help you put those plans in place as soon as possible. Get in touch with us now.\n\n\nTags:\nAll Risk Insurance\nBusiness Interruption Insurance\nProduct Liability Insurance\nProperty Insurance\nPublic Liability Insurance\nVehicle Insurance\nWorkers' Compensation Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/16/do-car-extended-warranty-cover-engine/", "title": "Do Car Extended Warranty Cover Engine?", "body": "You never want to be in the situation of having a blown engine. An expensive repair bill is the worst thing that can happen, plus you run the risk of damaging your car and your person. There may seem to be no silver lining to a repair like that, especially if you have to absorb the cost. It is likely that if you have an \nextended warranty\n, your engine will be covered under it, and if you have taken good care of your car and just had bad luck with the machine, your \nextended warranty\n will probably come in handy.\n\n\nWhat Is An Extended Car Warranty?\n\n\nThe \nextended \ncar warranty\n is a service contract that allows drivers to cover the cost of repairs to a vehicle\u2019s major systems, such as the engine and transmission. Extended warranty are available from third-party companies or directly from the manufacturer. There are usually multiple levels of coverage provided by extended warranty providers, including benefits such as towing services and \nrental car\n coverage.\n\n\nWill A Car Extended Warranty Cover The Engine?\n\n\nDefinitely! Extended warranties cover your car engine in the event of a breakdown. In addition, it \ncovers repairs\n to transmissions and fuel systems, air conditioning and cooling systems, gearboxes, steering, suspension, non-friction clutch and brake parts, and electrical systems. Nevertheless, what is covered in each policy varies, so it\u2019s worth checking your policy to find out precisely what is covered.\n\n\n\n\nWhat\u2019s Not Usually Covered By Extended Car Warranties?\n\n\nRepairs on replaceable parts such as batteries, bulbs, wheels, and tires will fall outside most warranties. Wear and tear are not included in most cases, such as damage to the brake discs or brake pads. The same goes for cosmetic repairs, such as painting or refinishing the interior. The warranty would not apply to damaged vehicles that have been in an accident or vandalized and need to be repaired or have to have parts replaced would not be covered under warranty. You can, however, add some repairs to your policy for an additional fee.\n\n\nIs It Possible That My Extended Car Warranty Claim Is Rejected?\n\n\nWhen you \nbuy a \ncar warranty\n, you are responsible for ensuring it remains valid. You may not be able to claim if:\n\n\n\n\nYou continue to use your vehicle even if a warning light appears on the dashboard.\n\n\nYou continue to drive your vehicle despite an apparent mechanical or electrical problem.\n\n\nFailure to service your vehicle as recommended by the service agreement\n\n\nModify the vehicle or use parts that are not standard or approved by the manufacturer\n\n\nUsing the wrong fuel or fluid\n\n\nYou do not follow the warranty \nclaim\n instructions properly.\n\n\n\n\nTypes Of Extended Car Warranties\n\n\nBumper-to-Bumper Warranty\n\n\nIn general, bumper-to-bumper extended warranties are the most comprehensive. It covers all parts and systems on a vehicle, excluding routine maintenance and wears and tear.\n\n\nPowertrain Warranty\n\n\nWarranty coverage for the powertrain includes every vehicle component that moves, including the engine, transmission, and other features that drive the wheels.\n\n\nDrivetrain Warranty\n\n\nDrivetrain warranties are like powertrain warranties, except they do not \ncover the engine\n.\n\n\nWrap Warranty\n\n\nA wrap warranty applies to the rest of the car in addition to a powertrain warranty. In effect, you get bumper-to-bumper coverage.\n\n\nCorrosion Warranty\n\n\nIf your car rusts, a corrosion warranty will help cover the cost of the damage.\n\n\nTags:\nBumper-to-Bumper Warranty\nCorrosion Warranty\nDrivetrain Warranty\nEngine Failure\nPowertrain Warranty\nWrap Warranty\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/13/what-is-not-covered-under-group-personal-accident-insurance/", "title": "What Is Not Covered Under Group Personal Accident Insurance?", "body": "In the worst-case scenario, an accident can cause bodily injury, disabilities, and even death. Despite death being inevitable, a \npersonal accident insurance\n policy can protect you and your family. You can acquire a \npersonal accident policy\n that will save you if you are injured or die due to the accident. If the policyholder dies, the \ninsurance company\n will pay a lump sum to the policy\u2019s beneficiary. However, there are some exclusions under the individual \npersonal accident policy\n. The official policy wordings will communicate the list of exclusions and terms and conditions therein. Here, we provide a general list of personal accident exclusions.\n\n\n\n\nThings Not Covered By A Personal Accident Policy\n\n\nBelow is a list of general exclusions:\n\n\nIntentional Injury\n: No claim will be honoured under this policy if the policyholder suffers a burn, a fracture, a disability, a disfigurement, a partial or total disability, a death, etc., caused by intentional or negligent behaviour.\n\n\nAn Injury From Civil or Foreign War\n: A claim will not be honoured if the claimant was involved in a civil or foreign armed conflict that resulted in burns, fractures, dismemberment, permanent partial disability, permanent total disability, death, hospitalization, or other such loss of life effects.\n\n\nDrug or Alcohol-Related Injuries Caused By The Policyholder\n: The policy will not pay out a claim if the claimant was under drugs or alcohol, resulting in burns, broken bones, permanent partial disability, permanent total disability, dismemberment, death, or hospitalization.\n\n\nAIDS, HIV, or Another STD\n: Under this policy, no claims will be honoured if a policyholder suffers from AIDS, HIV or any other condition associated with an STD.\n\n\nParticipants Injured or Killed Due To Violent Public Disorders\n: A claim will not be honoured if the policyholder was injured, destroyed, or required hospitalization due to any labour disturbance, strike, demonstration, protest, riot, public disorder, etc.\n\n\nIf Injured During Military Service\n: Under the individual \npersonal accident\n policy, they will accept claims for an individual who suffers burns, broken bones, a permanent partial disability, a permanent total disability, dismemberment, a temporary partial disability, a temporary total disability, or dies as a result of duty while in the armed forces.\n\n\nAdventure Sports-Related Injuries\n: The claim will not be covered by this insurance policy if the policyholder suffers burns, broken bones, permanent partial disability, death, required hospitalization, etc., due to participating in sports such as river rafting and bungee jumping.\n\n\nIllnesses or Injuries That Have Occurred In The Past\n: A claim will not be honoured under this policy if the policyholder suffered \nbodily injury\n, death, or required hospitalization because of any existing medical condition or illness worsened.\n\n\nClaims Arising From Pregnancy or Childbirth\n: In injury, damage, or death due to the policyholder\u2019s pregnancy or childbirth, claims cannot be honoured. These injuries are burns, fractures, permanent partial disabilities, permanent total disabilities, dismemberments, death and hospitalizations.\n\n\nPersonal Accident Insurance Benefits\n\n\nSome of the benefits of \npersonal accident insurance\n for car owners and drivers are the following:\n\n\n\n\nThe best way to get protection from accidental injuries is to get \npersonal accident coverage\n.\n\n\nThe \npersonal accident insurance\n you have with your automobile will cover your medical costs, including hospitalization, treatment, and medical bills if you are involved in an auto accident while driving.\n\n\nIn case of a permanent disability caused by an accident, you would also have monetary compensation.\n\n\nA personal accident policy will also compensate your dependents if you die in a car accident.\n\n\n\n\nTags:\nBodily Injury\nPermanent Total Disability\nPersonal Accident Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/01/19/business-interruption-benefits-in-insurance-explained/", "title": "Business Interruption Benefits In Insurance Explained", "body": "Due to COVID-19, the economy and businesses have been affected unprecedentedly. Natural disasters that disrupt business operations and civil unrest in some cities are added. Therefore companies must understand how their insurance policies \u2013 including \nbusiness interruption\n coverage \u2013 will respond to potential losses due to these trends.\n\n\nWhat Is Business Interruption Benefits?\n\n\nBusiness interruption\n insurance aims to reimburse businesses for lost income resulting from disasters. The policy protects the insured against losses of business income sustained when a covered peril results in direct physical damage, loss, or destruction of the insured property. Typical events include fires or natural disasters. However, there is no separate business interruption insurance policy. Instead, it is either included in a property/casualty policy or offered as an add-on or rider to \ncomprehensive\n packages.\n\n\nHow Business Interruption Insurance Works\n\n\nInsurance companies are only required to pay if an interruption of business results in a loss of business income. However, losses like this are subject to the policy limit or sub-limit. It applies to the specific location where a failure has occurred or the type of peril that caused it. In addition, it pays out only if the underlying policy already includes coverage for the loss of \nbusiness\n income. The business\u2019s past \nfinancial\n records determine the amount payable in most cases. It is the insurer\u2019s responsibility to cover the loss during the period of restoration, which is often defined as the time required to replace, rebuild, or repair damaged or destroyed property. After an event causes physical damage, the restoration period begins. It ends when the damage is repaired or replaced within a reasonable time frame, and the location is made ready to work usually again. Restoration is generally limited to 30 days, but an endorsement may extend to 360 days. There may be a 48-72 hour waiting period in some cases. A business interruption endorsement will continue to cover the insured for the restoration period even after the expiration of the policy. It is covered as long as the insured\u2019s physical loss occurs during the policy period.\n\n\nCoverage Of Business Interruption Insurance\n\n\nThe following items are generally covered by business interruption insurance:\n\n\n\n\nProfits: A policy will reimburse you for profits you would have earned if the event had not occurred, based on your previous performance.\n\n\nFixed costs are incurred expenses for doing business, such as operating expenses.\n\n\nTemporary location: Some \ninsurance\n policies cover the costs of opening a temporary business location and operating from it.\n\n\nCommissions and training expenses: A company may need to replace machinery and retrain staff to use it following a business interruption. These expenses may be covered by \nbusiness interruption insurance\n.\n\n\nExtra expenses: \nBusiness interruption insurance\n will reimburse reasonable expenses (over and above the fixed costs) to allow the company to continue operating while the company recovers.\n\n\nIngress/egress of civil authorities: A business interruption event can affect the closure of a business\u2019s premises, resulting in a financial loss. For example, forced closures resulting from government-issued curfews or street closures caused by a covered event.\n\n\nWages: A business has to cover its employees\u2019 salaries if it doesn\u2019t want to lose them while shutting down. Business owners can make payroll while the business is closed.\n\n\nTaxes: Businesses are still subject to taxation, even when a disaster strikes. Tax coverage helps businesses avoid penalties for non-payment of taxes.\n\n\nPaying off \nLoan:\n Payments for loans are typically due every month. Even when a business isn\u2019t generating income, business interruption can help make payments.\n\n\n\n\nTags:\nBusiness Insurance\nBusiness Interruption\nBusiness Interruption Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/17/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e8%b6%85%e5%87%ba%e9%a2%84%e7%ae%97%e6%80%8e%e4%b9%88%e5%8a%9e/", "title": "\u6c7d\u8f66\u4fdd\u9669\u8d85\u51fa\u9884\u7b97\u600e\u4e48\u529e\uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u5e74\u590d\u4e00\u5e74\uff0c\u4e0d\u77e5\u4e0d\u89c9\u53c8\u5230\u4e86\u8981\u66f4\u65b0\n\u6c7d\u8f66\u4fdd\u9669\n\u7684\u65f6\u5019\u4e86\u3002\u5f53\u7136\uff0c\u4e0d\u4e00\u5b9a\u662f\u5e74\u5e95\u5566\u3002\u53ea\u662f\u5927\u591a\u6570\u4eba\u90fd\u5728\u5e74\u5e95\u6216\u5e74\u5934\u6362\u65b0\u8f66\u800c\u5df2\u3002\u901a\u5e38\u6bcf\u5e74\u66f4\u65b0\u7684\u65f6\u5019\u4f60\u4eec\u90fd\u4f1a\u76f4\u63a5\u8ddf\u540c\u4e00\u5bb6\u4fdd\u9669\u516c\u53f8\u7eed\u7ea6\uff0c\u8fd8\u662f\u4f1a\u5230\u5904\u8be2\u95ee\uff0c\u8d27\u6bd4\u4e09\u5bb6\u5462\uff1f\u90a3\u4f60\u4eec\u90fd\u600e\u6837\u6bd4\u8f83\u7684\u5462\uff1f\u4ee5\u4e0b\u7559\u8a00\u8ddf\u6211\u4eec\u5206\u4eab\u597d\u5417\uff1f\u6709\u65f6\u5019\uff0c\u5c24\u5176\u662f\u8f66\u5b50\u8fd8\u5f88\u65b0\u7684\u65f6\u5019\uff0c\u4ef7\u503c\u6bd4\u8f83\u9ad8\uff0c\u6240\u4ee5\u4fdd\u8d39\u4e5f\u76f8\u5bf9\u7684\u63d0\u9ad8\u3002\u56e0\u6b64\u6c7d\u8f66\u524d\u4e94\u5e74\u7684\u4fdd\u8d39\u90fd\u6bd4\u8f83\u6602\u8d35\u3002\u5982\u679c\u8fd9\u4e48\u521a\u597d\uff0c\u4f60\u8fd9\u4e2a\u65f6\u5019\u504f\u504f\u624b\u5934\u6bd4\u8f83\u7d27\uff0c\u90a3\u8be5\u600e\u4e48\u529e\u554a\uff1f\u53c8\u4e0d\u80fd\u4e0d\u66f4\u65b0\uff0c\u56e0\u4e3a\u6ca1\u6709\u4fdd\u9669\u7684\u8f66\u8fde\u8def\u7a0e\u90fd\u4e0d\u80fd\u7533\u8bf7\uff0c\u8f66\u6839\u672c\u5c31\u4e0d\u80fd\u884c\u9a76\u3002\u8fd9\u91cc\u5927\u5bb6\u5927\u5bb6\u5c31\u8981\u6ce8\u610f\u54e6\uff01\n\n\n\u6c7d\u8f66\u4fdd\u9669\u7684\u4ef7\u683c\u662f\u4f9d\u636e\u5404\u79cd\u4e0d\u540c\u6807\u51c6\u7684\u3002\u5f53\u4e2d\u5305\u62ec\u4f60\u7684\u975e\u7d22\u8d54\u6298\u6263\u3001\u53f8\u673a\u5e74\u9f84\u8ddf\u5c45\u4f4f\u5730\u70b9\u3001\u6c7d\u8f66\u578b\u53f7\u4e0e\u5e74\u4efd\u7b49\u3002\u6bcf\u4e00\u5e74\u66f4\u65b0\u7684\u65f6\u5019\uff0c\u539f\u6709\u7684\u4fdd\u9669\u4f1a\u6709\u62a5\u4ef7\u5355\u3002\u4e0d\u8fc7\u5176\u5b9e\u4f60\u4eec\u5e76\u4e0d\u9700\u8981\u53ea\u9650\u4e8e\u8fd9\u4e00\u4e2a\u4fdd\u9669\u516c\u53f8\u7684\u3002\u5c24\u5176\u662f\u5f53\u4f60\u53d1\u73b0\u9884\u7b97\u8d85\u652f\u7684\u65f6\u5019\uff0c\u53ef\u4ee5\u4eb2\u81ea\u53bb\u8be2\u95ee\u5404\u5bb6\u6c7d\u8f66\n\u4fdd\u9669\u516c\u53f8\n\u5e76\u7d22\u53d6\u62a5\u4ef7\u5355\u3002\u8d27\u6bd4\u4e09\u5bb6\uff0c\u501f\u6b64\u6765\u9009\u62e9\u9002\u5408\u4f60\u7684\u9884\u7b97\u7684\u8f66\u9669\u516c\u53f8\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u4f60\u4e5f\u53ef\u4ee5\u9009\u62e9\u52a0\u5c11\u4e00\u4e9b\u4fdd\u5355\u7ec6\u5219\uff0c\u6bd4\u5982\u8bf4\u53ea\u6dfb\u52a0\u4e00\u540d\u9a7e\u9a76\u4eba\u540d\u989d\uff0c\u6216\u8005\u53ef\u4ee5\u9009\u62e9\u51cf\u5c11\u5e74\u5ea6\u91cc\u7a0b\u6570\uff0c\u501f\u4ee5\u51cf\u5c11\u610f\u5916\u98ce\u9669\u3002\u8fd9\u6837\u4fdd\u8d39\u4e5f\u76f8\u5bf9\u7684\u51cf\u5c11\u4e86\u3002\u8fd8\u6709\uff0c\u6700\u540e\u4e00\u70b9\uff0c\u8d27\u6bd4\u4e09\u5bb6\u4e5f\u53ef\u4ee5\u6bd4\u8f83\u4e0d\u540c\n\u4fdd\u9669\u516c\u53f8\n\u7684\u914d\u5957\u4ef7\u94b1\u3002\u6709\u65f6\u5019\u751a\u81f3\u4f1a\u6709\u7279\u522b\u7684\u6298\u6263\u54e6\uff01\n\n\n\u5e0c\u671b\u6211\u4eec\u4eca\u5929\u7684\u89c6\u9891\u6559\u4f1a\u4f60\u4e00\u70b9\u70b9\uff0c \u8ba9\u4f60\u66f4\u61c2\u5f97\u8f66\u9669\u7684\u54a8\u8be2\uff01\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\n\n\n\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\n\u4fdd\u9669\n\u6c7d\u8f66\u4fdd\u9669\n\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/07/09/why-insurance-is-important-in-everyday-life/", "title": "Why Insurance Is Important In Everyday Life", "body": "Are you thinking about getting a \ncar insurance\n policy? Even if you are thinking about getting a different type of \ninsurance\n, these deals will have multiple benefits. The \ninsurance\n options are there for a reason, and you should take advantage of that offer. Here is an overview of the benefits to expect when signing up for an \ninsurance\n deal!\n\n\nSome Insurance Policies Are Mandatory by the Law\n\n\nThe first thing we should mention is that the law requires you to have some insurance policies. For example, if you buy a vehicle and plan to drive it, you will need a motor insurance policy. Malaysian law requires you to have third-party insurance for your vehicle. That means you are covered if any damage occurs to properties and persons that are outside of the policy agreement. You can also pick other vehicle \ninsurance options\n, such as own \ndamage claims\n or coverage against theft and fire. Those policies are a bit more expensive, but they can be a smart option since they provide a higher coverage level. Apart from car \ninsurance options\n, you can also consider insuring your house, valuable possessions, life, etc.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nProtect Yourself And Others\n\n\nA huge benefit of getting an insurance policy is that it can protect both you and other people. The specifics depend on the deal that you signed, but a car insurance deal might protect both the driver and the passengers in the vehicle from liability. That doesn\u2019t protect you from an accident directly but ensures proper compensation in case an accident occurs. It can become essential if you need to pay for medical expenses to recover after an accident. You won\u2019t need to handle any medical bills because the insurance policy will cover them.\n\n\nProtect Your Investments\n\n\nDid you just purchase a new car? That was probably a significant investment, and it took you years to save that sum. Alternatively, you might have made a deal to pay the sum in installments over the coming period. Either way, it is a capital investment, and it\u2019s only natural that you want to protect it. The same goes for insurance policy referring to your houses and other valuable items. An insurance deal might be an additional expense, but it keeps you safe if somebody steals or damages your property.\n\n\nAvoid Unnecessary Expenses\n\n\nLet\u2019s say that you are driving a car and participate in an accident. If your insurance policy covers you properly, you won\u2019t have to pay a single cent (as long as you weren\u2019t to blame for the accident). That means the damages on your vehicle won\u2019t have to go from your pocket \u2013 your policy covers all the \nrepair costs\n without you investing a single MYR. That is an essential financial protection mechanism because you will avoid unnecessary expenses. Those expenses could be a big hit on your budget, which is why it\u2019s smart to avoid this possibility.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nEnsure A Peace of Mind\n\n\nFinally, any insurance policy provides peace of mind. If you live in a neighborhood with a high crime rate, you can sleep peacefully without worrying if someone steals your car at night. Even if they do, the insurance covers it. These are only some benefits offered by car and other insurance policies. As you can see, there is a good reason why millions throughout Malaysia pick to get insurance for their vehicles and other valuable properties.\n\n\nTags:\nAuto Insurance\nCar Insurance\nInsurance Policy\nInsurance Premiums\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/03/24/learn-how-to-prevent-car-repair-scams/", "title": "Learn How To Prevent Car Repair Scams", "body": "Don\u2019t let \nmechanics\n take advantage of you with unfair pricing, shoddy quality, or improper diagnosis. Scams are a fact of life. Everybody experiences it from time to time. In every industry, upselling and overpricing are commonplace. However, the more you know, the less likely it is that you will be hoodwinked. Many people lack a good understanding of cars and lack experience with them. As soon as you own a car, finding a shop that you can trust for repair work is essential. So that your mechanic can get to know you and your vehicle, you should set up the appointment ahead of time. In addition to helping you prevent breakdowns, it will also save you a lot of money over the long run. You can also use the information in this article to build a fraud firewall against all sorts of snake oil salesmanship and avoid getting scammed by mechanics and \ncar repair\n shops.\n\n\nDiagnostic Dialect\n\n\nSome rip-offs are perpetrated by outright crooks who make the mistake of knowingly attempting to sell unnecessary repairs by counting on the fact that you (like most drivers) are unaware of what\u2019s underneath. You are snowed with terminologies you don\u2019t understand. It is also possible for car \nmechanics\n to replace various parts without knowing what the problem is. Take in both the mechanic\u2019s words but most importantly, listen to your gut instinct to protect yourself from them. \nCar repair\n estimate explanations need to layout, in clear and straightforward terms, what is required, what the cost will be, and how to find the problem. It will help if you are aware of mechanics who say that \u2018I know the problem and you need X\u2019 without explaining the situation \u2013 through computer diagnosis, test drive, lift inspection, or others \u2013 or do not have an explicit idea plan action.\n\n\nIdentifying dashboard warnings and other issues that may have an impact on your driving can be accomplished by a high-tech check of your vehicle\u2019s computer. The computerization of these processes eliminates a great deal of guesswork.\n\n\nOil Change Add-ons\n\n\nOil changes barely cover the cost of running a \nbusiness\n, so you can feel confident a mechanic will inspect your vehicle looking for other problems. If your car is running well and given a long list of recommended add-ons, be suspicious. It\u2019s common for a mechanic to change the radiator coolant and the fluids in your transmission, brakes, and power steering when your car does not need those. In many newer cars, for instance, the coolant can last for 100,000 miles or more. Be sure you follow the owner\u2019s manual maintenance schedule.\n\n\nSigning Up With Extended Warranty Program\n\n\nSigning up with a \ncar extended warranty\n that has a network of trusted panel workshops can potentially help prevent car repair scams. Trusted panel workshop may be less likely to engage in fraudulent activities, there is still a risk that some may overcharge or recommend unnecessary repairs.\n\n\nShop around \u2013 Start With a Minor Job\n\n\nIt would help if you didn\u2019t trust a primary repair job to an unknown mechanic or shop. Shop around before you commit to something in life, as is the case with most things. Check the shop with a simple oil change or tire change after consulting social media, family, friends, and online complaints. It is also a good idea to go around the shop and speak with the employees to understand their quality work. It would help if you were careful about upsells. You shouldn\u2019t bring your car in for a simple oil change and leave with a new fuel injector, spark plug, or engine flush.\n\n\nMake sure you have everything before going to the mechanic shop. You can get the best \nservice from a car repair shop\n if you write down all your symptoms, perceptions, sounds, and smells. It\u2019s best to stay away from technical jargon if you have no experience with cars. Make sure you gather all the information you can. Regardless of whether you believe some observations are irrelevant, list them nonetheless. When it comes to receiving the highest level of automotive service, clear communication is crucial.\n\n\nWhen you have explained your observations to the mechanic, ask him to explain his diagnosis. In that case, they should know what the problem is and how the car is supposed to work. If they have difficulty describing how your vehicle works, alarm bells should ring.\n\n\nTags:\nCar Extended Warranty\nCar Mechanic\nCar Repair\nCar Repair Scam\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/19/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e8%b4%b9%e9%80%90%e5%b9%b4%e5%a2%9e%e5%8a%a0%e7%9a%84%e5%8e%9f%e5%9b%a0/", "title": "\u6c7d\u8f66\u4fdd\u9669\u8d39\u9010\u5e74\u589e\u52a0\u7684\u539f\u56e0", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\n\u4fdd\u9669360\n, \u6211\u662f Cassandra\u3002\u5927\u5bb6\u6bcf\u5e74\u66f4\u65b0\n\u6c7d\u8f66\u4fdd\u9669\n\u65f6\u662f\u4e0d\u662f\u4f1a\u9762\u5bf9\u4fdd\u8d39\u9010\u5e74\u589e\u52a0\u7684\u95ee\u9898\u4f46\u662f\u5374\u767e\u601d\u4e0d\u5f97\u5176\u89e3\uff0c\u660e\u660e\u4f60\u90fd\u6ca1\u6709\u53d1\u751f\u610f\u5916\u8981\u6c42\u7406\u8d54\u800c\u5931\u53bb\u65e0\u7d22\u507f\u6298\u6263\uff0c\u7167\u7406\u8bf4\u5e94\u8be5\u8d8a\u6765\u8d8a\u4fbf\u5b9c\u4e0d\u662f\u5417\uff1f\u5176\u5b9e\u9664\u4e86\u65e0\u7d22\u507f\u6298\u6263\u7684\u56e0\u7d20\u4e4b\u5916\uff0c\u8f66\u9669\u4ef7\u683c\u8fd8\u6709\u5f88\u591a\u4e0d\u540c\u7684\u8003\u8651\u56e0\u7d20\u3002\u5176\u4e2d\u5206\u4e3a\u53ef\u63a7\u5236\u4e0e\u4e0d\u53ef\u63a7\u5236\u7684\u56e0\u7d20\u3002\u53ef\u63a7\u5236\u7684\u56e0\u7d20\u5305\u62ec\u4e86\u8f66\u4e3b\u672c\u8eab\u5949\u516c\u5b88\u6cd5\uff0c\u6ca1\u6709\u4efb\u4f55\u7f5a\u5355\u6216\u7d22\u507f\u8bb0\u5f55\uff0c\u4ee3\u8868\u9a7e\u9a76\u8bb0\u5f55\u826f\u597d\uff0c\u8fd9\u7c7b\u578b\u5c31\u662f\u53ef\u63a7\u5236\u7684\u56e0\u7d20\uff0c\u6211\u4eec\u53ea\u8981\u4e0d\u72af\u6cd5\u4e0d\u8087\u4e8b\uff0c\u5c31\u53ef\u4ee5\u5f71\u54cd\u8f66\u9669\u4ef7\u683c\uff0c\u751a\u81f3\u56e0\u6b64\u83b7\u5f97\u989d\u5916\u6298\u6263\u3002\u5176\u4ed6\u8fd8\u6709\u8fc7\u53bb\u7684\u507f\u8fd8\u8bb0\u5f55\u6216\u73b0\u5728\u7684\u4e2a\u4eba\u4fe1\u7528\u8bc4\u5206\u597d\u574f\u4e5f\u662f\u53ef\u63a7\u5236\u7684\u56e0\u7d20\u4e4b\u4e00\u3002\u4e0d\u53ef\u63a7\u5236\u7684\u56e0\u7d20\u5219\u662f\u6bd4\u5982\u8bf4\u8f66\u4e3b\u5e74\u7eaa\u8d8a\u5927\uff0c\u98ce\u9669\u8d8a\u9ad8\u3002\u8fd8\u6709\u6c7d\u8f66\u7ef4\u4fee\u8d39\u7528\u666e\u904d\u63d0\u9ad8\u3001\u533b\u7597\u8d39\u7528\u63d0\u9ad8\uff0c\u5982\u679c\u4f60\u642c\u5230\u9ad8\u98ce\u9669\u7684\u5730\u533a\uff0c\u4fdd\u8d39\u4e5f\u5c31\u76f8\u5bf9\u63d0\u9ad8\uff0c\u8fd9\u4e9b\u90fd\u662f\n\u6c7d\u8f66\u4fdd\u9669\n\u516c\u53f8\u7684\u5b9a\u4ef7\u8003\u91cf\u56e0\u7d20\u3002\n\n\n\u5f53\u7136\u6392\u9664\u4ee5\u4e0a\u7684\u56e0\u7d20\uff0c\u8fd8\u6709\u4e00\u70b9\u5c31\u662f\u7531\u4e8e\u8f66\u4e3b\u672c\u8eab\u6ca1\u6709\u4eb2\u81ea\u53bb\u4e86\u89e3\u5e02\u573a\u4ef7\u683c\uff0c\u5bfc\u81f4\u539f\u6709\u7684\n\u6c7d\u8f66\u4fdd\u9669\n\u516c\u53f8\u7591\u4f3c\u5f53\u4f60\u662f\u201c\u6c34\u9c7c\u201d\u90a3\u822c\u7ee7\u7eed\u8d81\u4f60\u4e0d\u6ce8\u610f\u63d0\u9ad8\u4fdd\u8d39\u3002\u5176\u5b9e\u8fd9\u662f\u53ef\u4ee5\u907f\u514d\u7684\u3002\u53ea\u8981\u6211\u4eec\u5f53\u4e2a\u7cbe\u660e\u7684\u6d88\u8d39\u8005\uff0c\u66f4\u65b0\u8f66\u9669\u4e4b\u524d\u5230\u5904\u6bd4\u4ef7\uff0c\u90a3\u5c31\u53ef\u4ee5\u5f97\u5230\u66f4\u597d\u7684\u4f18\u60e0\u914d\u5957\u54e6\uff01\u5e0c\u671b\u6211\u4eec\u4eca\u5929\u7684\u89c6\u9891\u6559\u4f1a\u4f60\u4e00\u70b9\u70b9\uff0c \u8ba9\u4f60\u66f4\u61c2\u5f97\u8f66\u9669\u7684\u54a8\u8be2\uff01\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\n\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\n\u4fdd\u9669360\n\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\n\u4fdd\u9669\u516c\u53f8\n\u4fdd\u9669\u8d39\n\u6c7d\u8f66\u4fdd\u9669\n\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\n\u6c7d\u8f66\u4fdd\u9669\u8d39\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/03/25/fincrew-online-will-writing-services/", "title": "Fincrew Online Will Writing Services", "body": "Everything from the news on TV to what we see on social media does nothing but break the heart. So, even though we certainly don\u2019t want any of that to happen to us, it\u2019s vital to see essential aspects of our lives like our estate planning while still of sound mind and body.\n\n\nMalaysia\u2019s Leading Online Will Writing Firm At Your Service\n\n\nWriting a will\n in Malaysia was a time and effort-consuming affair for an eternity. It was also relatively expensive, and you had to factor in variables like state laws and state requirements when \nwriting a will\n. So, even though many people knew it was a good idea to detail how to distribute your assets upon your passing, they were often hesitant to go through the hassle of preparing these estate planning documents. We created FinCrew\u2019s \nonline will writing\n services so we could effectively change the experience of how to \nwrite a will in Malaysia\n. More than helping you get will write in Malaysia done with ease. We also help you legally validate your estate planning documents, ensuring there\u2019ll be no hatred between your loved ones when it\u2019s finally time to distribute your assets.\n\n\nWill Content Writing Experts At Your Fingertips\n\n\nOur legal content writing experts are at your beck-and-call seven days a week. Our goal is to ensure that you do not sacrifice your comfort or convenience to prepare this testamentary document. When you write a will, we assign you a personal, seasoned legal content writer you can reach at all times. So, whether you have a specific question or want clarity on a particular aspect of the will writing process, you have a point of access you can reach without stress.\n\n\n\n\nHow We Make It Happen\n\n\nWe follow a simple 3-step process when writing in Malaysia that guarantees your comfort without sacrificing the legality of your will and letter of administration. Here\u2019s FinCrew\u2019s trademark 3-step will preparation process.\n\n\nStep 1 \u2013 Answer Our Short Query\n\n\nWe ask you a series of simple questions to help get the specifics of the will you want to write. It also ensures that the document is valid and per Malaysia\u2019s Probate and Administration Act 1959.\n\n\nStep 2 \u2013 Begin The Approval Process\n\n\nOnce we\u2019ve got the details of how you want to distribute your assets, the FinCrew legal team swings into action, our legal gurus go over the information you\u2019ve provided us to ensure that your wishes are clear. This document is legally binding. We vet the record exhaustively to ensure it\u2019s as you would like. It only takes 24 to 48 hours.\n\n\nStep 3 \u2013 Get Your Seal Of Approval\n\n\nThe final stage of the will preparation process lies with you! Once we\u2019ve ensured that the will\u2019s contents are to your liking, you need to print out a copy of the document and sign it in front of two witnesses. This last part is necessary to validate the paper, making it binding by law legally. And with this, you officially have a will!\n\n\nOur Optional Will Update Service\n\n\nYou can also choose to be able to update your will as necessary! At FinCrew, we understand that situations are fluid, so we afford our clients the option of changing the contents of their will whenever they want! It puts you in complete control and helps you relax a little more.\n\n\nFrequently Asked Questions About Will Writing\n\n\nDo I Need a Will?\n\n\nYes, you do. A will determines who gets what portion of your properties or estate. If you have children under 18, choosing allows you to state who their legal guardians will be.\n\n\nWhat Will Happen When Someone Dies Without A Will?\n\n\nIn Malaysia, when a person dies without a valid will, the government follows the Intestacy Rules to determine how to distribute property. However, relying on this policy can be tricky as it often doesn\u2019t account for many modern dynamics.\n\n\nContact Us Today\n\n\nSave your loved ones the hassle of guessing what you would\u2019ve wanted. Get our \nonline will writing\n services and secure their future today!\n\n\nTags:\nMalaysia's Probate and Administration Act 1959\nOnline Will Writing\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/10/14/my-car-hit-while-parked/", "title": "My Car Hit While Parked", "body": "It was a nice sunny day, and you decided to head to a picnic. You parked the vehicle and spent the day outside. Once you returned, you discovered that your car was \nhit while parked\n! That is never a pleasant thing to see, regardless of the damage severity. The first thing to do is to take a couple of seconds to calm down. You will need to assume control of the situation, and here is how to do that.\n\n\nDid They Leave a Note?\n\n\nThe best-case scenario is that you are dealing with a conscious driver. Perhaps someone was parking out of their space and \nhit your parked car\n accidentally. They might have seen what happened but didn\u2019t have the time to wait. That is why they might have left a note with their contact details on the windshield. Check to see if there is any phone number there. If you find it, give it a call immediately. You want to confirm that they are willing to take the blame. The next step is to determine how much a repair would cost and whether they are ready to pay for the expenses. Even if you have their word for it, make sure to take photos of the car before moving. That way, you have proof of what happened \u2013 think of it as protection if the other party changes their story.\n\n\n\n\nCall the Police\n\n\nIf there is no note on the vehicle, you might be facing a \nhit and run\n situation. That means someone \nhit your parked car\n and ran away, hoping they will never get caught. If this is the case, call the police immediately. You shouldn\u2019t move the vehicle, but you are free to take photos. Use your smartphone or a digital camera, and take multiple photos from various angles. Another good move is to look for potential witnesses. Were you parked in front of a store? Perhaps people working there saw what happened. You could use them to confirm your story, and it would be even better if they wrote down the vehicle\u2019s license number. Please note that the deadline for a police report is 24 hours from the incident.\n\n\nFile An Insurance Claim\n\n\nDo you have a valid \ninsurance policy\n? If the answer is yes, it is time to \nfile an insurance claim\n. That will require preparing the required paperwork, which could be a tedious process. For starters, the company will ask for a police report and investigation results. It helps if you have damaged photos taken at the scene. Next, you will need a receipt for damage repair. That is why you need to take the vehicle to an authorized workshop that employs a licensed adjuster. Their task is to determine the damage and come up with the repair cost.\n\nYou can ask the workshop to provide an estimated repair time and issue a CART document \u2013 compensation for the actual repair time. That could increase the compensation you receive from the \ninsurance company\n.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nOnce you have these documents ready, contact the \ninsurance\n agency. They will ask you to file an official claim by completing their form. \nFollow the procedure\n, and try to provide as much information as necessary. Please note that there might be a deadline for submitting a claim after the incident. That is why you shouldn\u2019t waste any time, so start preparing the paperwork right away!\n\n\nTags:\nCar Accident\nCar Insurance\nCART (Compensation for Assessed Repair Time)\nInsurance Claims\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/06/25/car-insurance-explained/", "title": "Car Insurance Explained", "body": "\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nThis is a fundamental aspect of making your vehicle roadworthy. Consequently, you must understand everything you can about it. Reading through this article, you\u2019ll be given a brief rundown of what \ncar insurance\n is in everyday language. Anyone within the driving age in the country knows they need to be covered by \ncar insurance\n before hitting the road. However, most people don\u2019t understand what \ncar insurance\n entails. Generally, if an accident hasn\u2019t occurred, most individuals don\u2019t give a thought to their \ninsurance\n. As nice as that method of approach is, it isn\u2019t really helpful in the long run. Knowing what car insurance is, what it entails, and what to expect can do wonders for informing your actions and decisions. Without getting too technical, this article will be breaking down the basics of car insurance.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat is Car Insurance?\n\n\nMovement from point A to point B is an important aspect of daily human life. Be it for \nbusiness\n or pleasure. Everyone has to move at some point. That said, it isn\u2019t always as simple as getting from one place to another. This is because accidents happen, vehicles and property get damaged. Sometimes, injuries are incurred, and in extreme cases, lives are lost. \nCar insurance\n is the one way you can guarantee that should the unexpected happen. You can cover the resulting expenses. Certain types of car \ninsurance are mandatory\n, while others are purely for your convenience. We\u2019ll be broadly exploring the types of \nvehicle insurance\n out there today briefly now.\n\n\nTypes of Car Insurance\n\n\nYou can insure your vehicle to varying degrees. Here is a quick breakdown of the types of car insurance in Malaysia today and the key things you should know about them.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nThird-Party Coverage\n\n\nBy law, you must have this \ntype of insurance\n if you want to drive your car. This \ntype of insurance\n specifically protects you financially when you\u2019re involved in a car accident. This insurance is called Third Party insurance because it covers the financial costs of damages you inflict on another drivers\u2019 vehicle or person. This package doesn\u2019t \ncover repairs to your car\n. Besides, this \ninsurance coverage\n doesn\u2019t extend to incidents of theft, fire, or acts of nature to your vehicle.\n\n\nThird-Party, Fire and Theft Cover\n\n\nThis is a more comprehensive \ncar insurance package\n. It should be noted that this particular package isn\u2019t compulsory. Like the basic \nthird party\n coverage, it insures and pays for any damage or medical bills you inflict on another drivers\u2019 person or vehicle. Also, like \nthird party\n coverage, it doesn\u2019t cover the costs of your vehicle repairs. It, however, does insure you against incidents of theft and accidental fires.\n\n\nComprehensive Coverage\n\n\nThis vehicle insurance package combines the best of both insurance packages discussed above. Along with providing you third party \ncoverage and insurance\n against theft and accidental fires, comprehensive coverage also extends to cover the financial expenses of all repairs to your car resulting from the accident. Bear in mind that no \ncar insurance package\n will cover medical expenses for you or your passengers involved in the accident. In conclusion, \ncar insurance\n is a must-have, and just because the law says so. In addition to taking the compulsory insurance package, checking out what additional coverage suits you\u2013is never a bad idea.\n\n\n\u00a0\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nTags:\nComprehensive Coverage\nFire and Theft Cover\nInsurance Policy\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/01/13/comprehensive-car-insurance-in-malaysia/", "title": "Comprehensive Car Insurance In Malaysia", "body": "To join the Malaysian traffic, getting a functioning car insurance policy on your vehicle is compulsory. However, what\u2019s compulsory and what\u2019s necessary aren\u2019t the same thing. Here\u2019s what we mean. Suppose you took out an extensive Third party \ninsurance policy\n and you\u2019ve done the best you can to live up to the responsibilities it requires. Now imagine that one day, your vehicle gets stolen! Even though you have \ninsurance\n, you\u2019re sure to lose out because your policy doesn\u2019t cover the incident that occurred. In many ways, this renders the insurance you\u2019ve gone through so much to procure and maintain pointless. So while a \nThird Party\n, Fire and Theft or \nComprehensive policy\n isn\u2019t compulsory, it would\u2019ve been necessary, if you wanted to get financial compensation for your stolen vehicle. Going all out with your automobile insurance demands a lot from you because it does much to shield you when any unpleasantness occurs.\n\n\n\n\nWhy You Need Comprehensive Car Insurance\n\n\nIf you value your convenience and keeping your vehicle in premium condition, then getting Comprehensive coverage is a smart play. A \nComprehensive policy\n insures you against accidents that occur on the road, including those that happen while you aren\u2019t driving. It might seem like overkill at first, yes. However, when you consider that the entire premise of getting insurance is to prepare for any eventuality, things come into perspective. As there aren\u2019t many scenarios it doesn\u2019t cover, you can also go about with the full confidence that should a disaster hit your vehicle, in the end, you\u2019ll be just fine.\n\n\nGetting The Coverage\n\n\nYou can quickly obtain this coverage online or the traditional way, through the services of your insurance agent. Either source will guide you through the process and tell you all you need to know. \nComprehensive car insurance\n policies usually have to be renewed annually. You can always consult your documents to check if that applies to you particularly.\n\n\nWhat It Covers\n\n\nLooking at the fact that it is the most complete and all-encompassing package you can take out on your vehicle right now, the Comprehensive policy offers more than can be quickly mentioned. Going over it in broad strokes, this policy insures you and pays out in the event of:\n\n\n\n\nInflicting damage to another person\u2019s property or vehicle.\n\n\nThe unfortunate injury or death of another driver or their passengers as a result of an accident involving you.\n\n\nDamage to your vehicle due to incidents such as \ntheft\n or fire\n\n\nLoss of your vehicle owing to fire or theft\n\n\nDamage to the insured vehicle as a result of an accident.\n\n\nLimitations of \nComprehensive car Insurance\n Policy\n\n\n\n\nJoin Fincrew Official Youtube Channel\n\n\nEven though it is pervasive, you should always remember that it doesn\u2019t cover every single scenario involving your vehicle. A key takeaway here is that this policy doesn\u2019t cover you should you or any of your passengers get injured as a result of an accident (this is what health insurance is for!). If you also add upgrades to your vehicle, this insurance mightn\u2019t also payout for them if your vehicle gets stolen or damaged.\n\n\nTags:\nComprehensive Coverage\nFire and Theft Cover\nInsurance Policy\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/23/do-you-need-a-solicitor-to-make-a-will-in-malaysia/", "title": "Do You Need a Solicitor To Make a Will In Malaysia?", "body": "Failure to plan is often unavoidable, but this is not the case when you \nmake a will\n. If you pass away, your loved ones do not have to deal with the legal complexities (and potential family strife) of inheriting your assets \u2013 they will bear the burden. Writing a will expresses your wishes regarding how to distribute your estate after you die. Other desires can also be said, such as who will take care of your children and manage the family business. Do you need a solicitor to \nmake a will\n? This article explains everything you need to know.\n\n\nWhat Is a Will?\n\n\nWill outline the disposition of your assets when you die. In Malaysia, a will is a written declaration having a legal effect on the testator\u2019s intentions concerning their property or other matters they wish to carry after death. A person of Islamic faith does not need to comply with the Wills Act. Syariah law will decide on a Muslim\u2019s inheritance. Islam requires Muslims to draw up a \u201cwasiat\u201d (like a will) and appoint a \u201cwasi\u201d (like an executor). A \u201cwasiat\u201d and a will serve the same purpose but under different laws.\n\n\nIs A Solicitor Required To Make a Will Or Wasiat?\n\n\nHaving a \nsolicitor\n \ndraft your will\n is not a legal requirement. Nevertheless, the absence of a \nsolicitor\n when drafting your will may significantly affect both your estate and your loved ones. Legal professionals familiar with Malaysia\u2019s will laws can assist you in understanding the legal formalities you\u2019ll need to follow. In addition, a lawyer can help you understand the implications of your wishes for your family\u2019s finances. Discuss tax and other financial impacts with an attorney familiar with Malaysian succession law. Although you may write your will yourself, it is always a good idea to get the opinion of a lawyer. To enjoy peace of mind, you want your choice and wishes to be valid and done after you pass away.\n\n\n\n\nWhat Is The Importance Of a Will?\n\n\nIt is vital to have a will because it outlines the distribution of your assets. A lot of family drama has stemmed from disputes over inheritances. A person without a will has all their assets distributed according to the Distribution Act 1958. No consideration for your family\u2019s wishes or needs! Distributing your assets could also take quite a while, up to five years. Again, this may be problematic if you are the family\u2019s sole breadwinner or have dependents. Moreover, your assets may also depreciate during the drafting of your will. If you leave a choice, your family will know where your possessions are and how much you own. Additionally, you will save them a great deal of time and hassle if you do not need them to handle the administration of your estate.\n\n\nIf I\u2019m An Expat, Do I Need a Will?\n\n\nMalaysia recognises assets relating to other countries as valid international wills. Nonetheless, if you own real estate in Malaysia or intend to remain a permanent resident in the country at your passing, you might want to \nwrite your will\n there. If you fail to make a will in Malaysia, you may be unable to use your Malaysian assets for an extended period. Before the Malaysian courts even start processing probate, a Grant of Probate is in the country where the support is. A Will that isn\u2019t in place in either country can cause difficulties for your loved ones and cause delays for many months or even years.\n\n\nTags:\nDistribution Act 1958\nMalaysian Succession Law\nOnline Will Writing\nSolicitor\nSyariah law\nWasiat\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/07/26/top-tips-to-safeguard-your-credit-and-debit-cards-from-hacking-in-2023/", "title": "Top Tips To Safeguard Your Credit And Debit Cards From Hacking In 2023", "body": "A few months ago, NordVPN made a shocking revelation. Following a study conducted on 4 million different credit and \ndebit cards\n currently used in over 140 countries, they concluded that it takes just 6 seconds for hackers to crack your credit or debit card security and steal your money! Here\u2019s everything you need to know about the process and how to protect yourself from it.\n\n\nWhat We Know So Far\n\n\nThe unfortunate result of this study was made known to the public by Marijus Briedis, the current CTO at NordVPN, one of the world\u2019s leading VPN providers. According to the report, even though there are different ways to penetrate a payment card\u2019s security, the one most favored by \nhackers\n is \u201cbrute forcing,\u201d which takes just six (6) seconds. Marijus observed that this standard method of cracking payment cards is likely why so many credit cards and \ndebit cards\n are available on the dark web.\n\n\nHow Brute Forcing Works\n\n\nThe study\u2019s report determined that \nhackers\n brute force a payment card by trying to guess the card numbers and the card verification value (CVV). It is a relatively simple job because a payment card\u2019s first 6 to 8 numbers are usually the card issuer\u2019s ID numbers. The hacker only needs to guess the remaining 7 to 9 digits. And, because the 16th and final digit of a card number is a checksum and is only used to confirm if there is an error when inputting the card information, this task is much easier for them. So, using a standard computer, completing this attack from start to finish doesn\u2019t take more than 6 seconds.\n\n\nThe Best Ways To Secure Your Credit And Debit Card Information\n\n\nThe report wasn\u2019t all doom and gloom, though, as it also revealed simple ways that card users can protect themselves from losing money to these attacks. We\u2019ll be discussing the best two approaches now.\n\n\nApproach #1 \u2013 Monitor Your Monthly Bank Statements\n\n\nThe best way to thwart the efforts of these hackers is to make sure that you monitor your monthly statements. As there\u2019s currently no way that \nfinancial\n activity can occur on your account without it reflected in the report, you\u2019ll be able to quickly tell something\u2019s amiss the moment you check this record and see signs of suspicious activity.\n\n\nApproach #2 \u2013 Use Multiple Bank Accounts\n\n\nAnother great way to forestall the loss of your precious funds here is by using different accounts for different purposes and only leaving as little as possible in the account linked to your payment card at any one point. You can also take advantage of temporary virtual cards if your bank offers them.\n\n\nTakeaway\n\n\nStaying one step ahead of hackers is easy if you remain careful, stay on guard and avoid suspicious online platforms. When you compliment those practices with the above tips, you can bolster your defenses even more!\n\n\nTags:\nCredit Card\nDebit Card\nHacker\nMarijus Briedis\nNordVPN\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/01/04/kfk-knock-for-knock-in-insurance-terms/", "title": "KFK (Knock for Knock) In Insurance Terms", "body": "Have you ever heard about the \nKnock for Knock\n agreement in auto insurance? Or has anyone asked you about Own Damage claim or Own Damage \nKnock for Knock\n? If not, read along to learn more about it.\n\n\nWhat Is Knock for Knock Agreement?\n\n\nA knock for knock agreement is a contract signed among all \ninsurance\n companies in Malaysia to control insurers from exercising their respective quid pro quo rights against each other. Irrespective of whose insured party is at fault. The purpose of the agreement is that each Insurer should bear responsibility for any damage done to their client\u2019s vehicle, without claiming against the other Insurer, even if the other Insurer is at fault. For instance, if my \ncar was hit\n by another driver\u2019s car, let\u2019s say the other driver\u2019s name is Sam. In this scenario, let\u2019s say, Sam is at fault. The standard procedure is for my Insurer to file a third-party claim against Sam\u2019s Insurer for property damage. However, this process is always tedious and time-consuming because you will have to file a litigation suit against the other Insurer in court. Invariably there will be lots of small traffic accident claims litigation in courts between insurers, the reason for knock for knock agreement.\n\n\n\n\nWhy Is It Essential?\n\n\nAs we all know, the person who caused damage to a car is liable to pay, and a third-party policy will take care of that reimbursement. But in the real world, it doesn\u2019t quite work that way. The process of filing a third-party \ninsurance claim\n is long and tiresome with police and courts involved. You will need to take the at-fault driver to court, and this could be a lengthy and expensive process. KfK is not mandated by law, and Insurers know this, but rather prefer it to avoid the unnecessary delay that is encountered by dragging third-party claims to court. It also saves both parties the frustration that is met while filing for litigation in court and obtaining a charge sheet from the police. Most importantly, KfK is meant to rapidly \ncover costs for the damage\n sustained without causing inconvenience to the client.\n\n\nWhat Are My Option(s)?\n\n\nSo the best option you have, if you didn\u2019t want to invoke the third-party claim, is to file an Own Damage (OD) claim. This is a claim invoked by the driver involved in an accident, who is not at fault, against his own insurance company. In this scenario, the driver will not lose his \nNo Claim Discount\n provided the driver has a comprehensive policy. The Own Damage claim, also referred to as Own Damage Knock for Knock (ODKFK), is a benefit for private cars with \nComprehensive policy\n.\n\n\n\n\nThis benefit is only applicable if you are in an accident with another private vehicle with a Comprehensive policy; if not, you will lose your \nNo Claim Discount\n. However, it is essential to take note that \nODKFK\n does not apply in all situations. For instance, an \nODKFK\n will not apply when there is \nthird party\n bodily injury involved, irrespective of who is at fault or when the Insurer of the third party vehicle does not do \nbusiness\n in Malaysia, i.e., the insurance company is not located in Malaysia, which means KfK agreement is not binding on the Insurer. The \nODKFK\n will also not apply when the \nthird party\n vehicle is a bus, taxi, limousine, or hire and drive a car. So, if you found yourself in the scenarios above, you will probably have to follow the usual route of claiming Third Party Property Damage against the other driver\u2019s Insurer or \nmake a claim\n under Own Damage and lose your \nNCD\n if you have a comprehensive policy.\n\n\nTags:\nKnock for Knock\nNo Claim Discount (NCD)\nODKFK\nOwn Damage Knock for Knock\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/03/everything-you-need-to-know-about-saving-with-employees-provident-fund-epf/", "title": "Everything You Need to Know About Saving With (Employees Provident Fund) EPF", "body": "More formally known as the \nEmployees Provident Fund\n, whether or not to use the \nEPF\n is a matter that\u2019s been intensely debated among Malaysians for quite a while now. So, if you\u2019re wondering if it\u2019s okay to entrust your pension funds to this system, here is some information that can help you make a more informed decision!\n\n\n(Employees Provident Fund) EPF \u2013 What It Is?\n\n\nIn basic terms, the \nEmployees Provident Fund\n is a federal statutory body that operates under the Ministry of Finance and manages the savings and retirement planning for working Malaysians all over the country. Is Putting Your Savings in \nEPF\n a Smart Play? Yes, it is!\n\n\nIn many ways, this program can be considered the most critical aspect of your retirement planning. As a wholly safe and government-backed investment venture, you can always rest assured of a profit when you trust your savings to this system. The EPF has always promised and delivered a minimum annual dividend of 2.5%. And depending on several factors, that value can go even higher.\n\n\nWho Can Access EPF?\n\n\nCurrently, virtually everyone is eligible to benefit from this program, not just workers with employees. Everyone from individuals operating in the gig space to people who run their businesses and even stay-at-home moms can benefit from using EPF. You need to deposit whatever amount you can at any time that\u2019s most comfortable for you, and you\u2019ll be slowly but surely securing your future! The only people excluded from this program are public sector workers who already have a government pension plan.\n\n\nWhat\u2019s The Upper Limit For EPF?\n\n\nYou can\u2019t put more than RM 60 000 in your EPF per annum. It is valid for everyone, from workers with employees to stay-at-home moms. RM 60 000 is the established upper limit for a fiscal year, so you can\u2019t save more than that.\n\n\nWhy Is It So Important To Put Something Away For Retirement?\n\n\nUsing resources like EPF is vital because you\u2019d need access to at least RM 1 000 a month to take care of yourself once you retire. It is the bare minimum as considerably higher amounts are necessary if you want to ensure maximum comfort in old age. As a result, even if you have other investments, putting something away in your EPF can give you that much-needed level of assurance that you are indeed covering your bases. Thanks to the fact that the EPF hasn\u2019t failed since its implementation, you can effectively secure your retirement funds.\n\n\nWhen Can I Access My EPF?\n\n\nBarring a few unique circumstances, you\u2019ll only be able to get access to these funds after you turn 55. It ensures you have enough to spend for the rest of your natural life.\n\n\nBottom Line\n\n\nEPF is the ideal solution if you want to put your savings into something you can trust and rely on.\n\n\nTags:\nEmployees Provident Fund\nEPF\nMinistry of Finance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/11/importance-of-accidental-death-insurance/", "title": "Importance Of Accidental Death Insurance", "body": "According to the World Health Organization, accidents are the third leading cause of death worldwide, after cancer and heart disease. The study found they\u2019re the most common cause of death among adults from 25 to 44. Therefore, it makes sense to have an insurance policy that covers accidental deaths. It is for this reason that there is \naccidental death and dismemberment insurance\n (AD&D). However, as with all \ninsurance\n products, it\u2019s essential to understand what it covers and why it\u2019s necessary to purchase it.\n\n\nWhat Is Accidental Death And Dismemberment Insurance?\n\n\nAccidental death and dismemberment insurance\n is coverage of a death caused by \naccident\n, as its name implies. Generally, it also pays if you lose a limb, your sight, hearing or your ability to speak after an accident. In the worst-case scenario or death, the beneficiary named on your policy generally receives a lump-sum payment in an accident. In the event of an injury, you may be eligible to accept what is called living benefits, and what you receive depends on the type of injury. For example, you might be covered for 50% of the coverage amount you purchase if you lose one item \u2013 say, a hand, foot, or sight in your one eye \u2013 and 100% if you lose two or more things. In addition, policies often cover 50 per cent to 100 per cent of the benefit amount in the case of paralysis. Depending on the insurance company or the employer offering AD&D insurance, you could receive different coverage amounts. Prospective buyers need to read the policy terms carefully due to coverage limitations. In general, AD&D insurance has limited coverage and covers unlikely events. Additionally, it is only supplemental insurance and cannot replace \nterm life insurance\n.\n\n\n\n\nWhat Does AD&D Insurance Cover?\n\n\nIt will cover deaths and injuries from accidents; however, natural causes of death and \nillnesses\n will not. It does not include heart attacks or strokes. It is typical for insurance policies to cover the expenses of death or injury caused by accidents at work, home and the road. Furthermore, if you die from an accident involving public transportation, such as a bus, train or aeroplane, the payout will be double or triple your base coverage. An accident-related death does not have to occur for it to be covered. It will usually be covered if it occurs within a specific time frame, such as within a few months. In the policy, you will find the rules.\n\n\nDo AD&D Insurance Policies Provide Additional Benefits?\n\n\nWhen you are wearing a seatbelt during an accident that causes injury or death, some insurance companies may pay you an additional benefit. Some other benefits may also be available to assist children in paying for college. For a surviving spouse, counselling, legal advice, and financial planning services can also be beneficial. Depending on the insurer, these options may differ.\n\n\nWhat\u2019s Not Covered By AD&D Insurance?\n\n\nIn determining what constitutes an accident, \ninsurance companies\n take into account many factors. In some cases, the definition of an accident may be subjective. There is a long list of situations in which policies would not cover death or injury. These exclusions can vary from one insurance company to another. The following are exclusions in an \naccidental death\n insurance policy:\n\n\n\n\nAn injury incurred before coverage began\n\n\nDeath due to an illness, including mental illness\n\n\nDamages caused by suicide or self-infliction\n\n\nOverdose of drugs\n\n\nDrunk driving\n-related deaths or injuries\n\n\nA person who voluntarily inhales gas or takes poison\n\n\nCommitting a crime that results in death or injury\n\n\nInjuries or deaths due to violent riots or war\n\n\nInjuries suffered while serving in the military\n\n\nDeath or serious injury from car racing, flying a plane, playing professional sports, skydiving, or scuba diving\n\n\n\n\nWhy Accidental Death Insurance Is Important?\n\n\nAs a result of \naccidental death\n, the surviving loved ones are devastated emotionally and financially as they suddenly lose income. Having an AD&D policy\u2019s death benefit can ease the pain of that burden. Most insurance policies have death benefits equal to or even more significant than the amounts offered by traditional approaches. In addition to the death benefit provided by conventional life insurance policies on the insured, AD&D policies provide additional death benefits because the loss of income will carry forward. It is referred to as double indemnity because its value usually doubles due to this extra benefit.\n\n\nTags:\nAccidental Death And Dismemberment Insurance\nAccidental Death Insurance\nAD&D Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/02/09/four-effects-of-changing-your-epf-you-should-know/", "title": "Four Effects Of Changing Your EPF You Should Know", "body": "The drastic economic effects of the pandemic meant that the government had to take some significant steps to ensure the people\u2019s continued survival. So, in addition to a host of other policies, recent regulations have given Malaysians a measure of influence over how much they can contribute to their \nEPF (Employees Provident Fund)\n. You can now drop your contribution to 9% or fill the Form KWSP 17A to ensure that you continue putting in the standard 11%. But before you swing, you should at least consider the possible effects of your actions. With this in mind, we\u2019ll look at the possible repercussions of changing your \nEPF\n contribution from four (4) different angles.\n\n\n1. From The Perspective Of Those Who Had To Take a Pay Cut\n\n\nDue to the devastating effects of the \npandemic\n, many employees who weren\u2019t outright relieved of their duties had to take a pay cut. If you fall in this bracket, leveraging this new development might be your only logical recourse as it gives you more take-home to cover expenses without biting too deeply into what you put away for retirement. But if even with your pay cut, you can still manage all your \nfinancial\n responsibilities, you may be better off leaving your contributions at 11%.\n\n\n2. From The Perspective Of Those Who Didn\u2019t Take a Pay Cut\n\n\nSome employees managed to scale through the worst of the pandemic without taking a pay cut. In this case, the opportunity to contribute less \nEPF\n means you take home even more of your earnings. By extension, you may be able to put more away for emergencies and, if you like, fund some of those lifestyle changes you\u2019ve always wanted. However, in this instance, you should consider leaving your contributions at 11%, as you don\u2019t necessarily need the extra cash now. Saving it for the future when you need it more may be more rewarding.\n\n\n3. In Terms Of The Dividends You Can Earn\n\n\nFrom 1999 to 2020, the EPF paid an average dividend of 5.9% per annum. It means that it is one of the safest and most profitable places you can keep your money right now. However, as the dividend you earn is directly dependent on your total savings, cutting your \nEPF contributions\n means that you may earn fewer dividends.\n\n\n4. In Terms Of Tax Relief, You Can Access\n\n\nThe more you contribute, the higher you can claim. So, you\u2019re saving money in two ways when you leave your \nEPF contributions\n at 11%!\n\n\nMaking The Right Decision For You\n\n\nUltimately, the way you go here depends on whether you can afford to pay your bills right now. If you can\u2019t manage without the extra, you get from a lower EPF contribution, then go for it. But if you\u2019ll be fine either, securing your future with an 11% contribution may be the way to go!\n\n\nTags:\nEmployees Provident Fund\nEPF\nKWSP\nTax Relief\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/07/bolehkah-saya-menginsuranskan-kereta-tanpa-lesen-memandu/", "title": "Bolehkah Saya Menginsuranskan Kereta Tanpa Lesen Memandu?", "body": "\n\nDisebabkan faktor tertentu anda mungkin perlu mengambil polisi insurans auto untuk kenderaan anda walaupun tanpa lesen. Adakah anda tertanya-tanya adakah mungkin untuk mendapatkan insurans kenderaan walaupun \ntanpa lesen memandu\n yang sah di negara ini? Adakah anda ingin tahu tentangnya? Apa yang perlu anda lakukan hanyalah duduk dan teruskan menonton video ini!\n\n\nHelo dan selamat datang ke satu lagi episod dalam Siri Video Insurans360! Hari ini saya akan membawa anda untuk mengetahui bagaimana untuk mendapatkan pelindungan \ninsurans\n sepenuhnya biarpun tanpa lesen dengan langkah pantas dan mudah! Saya, Yuna duta jenama Fincrew dan terima kasih kerana bersama kami hari ini. Dapatkan segalanya yang perlu anda ketahui tentang \ninsurans kenderaan\n di hujung jari anda! Hanya klik pada ikon \u2018Subscribe\u2019dan aktifkan notifikasi supaya anda dapat melihat segala yang ada dalam Siri Video Insurans360 kami!\n\n\nSekarang, setelah anda selesai melakukannya mari kita mulakan. Lesen memandu merupakan sebahagian keperluan untuk mendapatkan \ninsurans auto di Malaysia\n. Salah satu sebab utamanya ialah syarikat \ninsurans kenderaan\n memerlukan maklumat ini bagi memeriksa sejarah pemanduan anda. Jika mereka tidak memilikinya, maka mereka tidak dapat menjangka potensi risiko yang mereka ambil dengan pemanduan anda. Dengan kata mudah, mereka mungkin akan mengalami sedikit masalah untuk menilai berapa \npremium yang perlu anda bayar untuk insurans\n anda itu. Disebabkan ini, mencari syarikat insurans yang akan memberikan pelindungan kepada anda \ntanpa lesen memandu\n adalah agak mencabar. Ia mencabar, tapi tidak mustahil. Sesetengah \nsyarikat insurans\n tetap akan memperluaskan pelindungan anda biarpun anda tidak memiliki lesen memandu yang sah. Syarikat insurans ini mempertimbangkan bahawa anda mungkin tidak mempunyai lesen memandu kerana faktor memiliki pemandu atau mempunyai masalah kesihatan. Untuk itu, jika anda ingin mendapatkan pelindungan dari syarikat insurans ini, anda boleh melakukannya dengan menggunakan salah satu saluran berikut:\n\n\nNamakan Orang Lain Sebagai Pemandu Utama\n\n\nAnda boleh membeli polisi dengan menggunakan nama individu lain. Ini akan berfungsi dengan baik jika nama individu yang anda gunakan itu:\n\n\n\n\nTinggal di alamat anda\n\n\nMempunyai hubungan dengan anda dan\n\n\nMempunyai lesen memandu yang sah\n\n\n\n\nWalau bagaimanapun, ia bergantung kepada syarat sebenar syarikat insurans tersebut, individu yang ingin anda namakan sebagai pemandu utama mungkin tidak memenuhi semua kriteria yang telah disebutkan tadi. Namun, selaras dengan pendekatan ini, anda boleh membeli polisi tersebut dan menamakan diri anda sebagai pemandu yang dikecualikan. Banyak syarikat insurans yang terbuka dengan cara ini. Perlu diingatkan bahawa, sekiranya anda terlibat dalam \nkemalangan semasa memandu\n, anda tidak akan menerima apa-apa bayaran bagi menampung perbelanjaan akibat kemalangan itu.\n\n\nNamakan Pemandu Berlesen Sebagai Pemilik Bersama Kenderaan\n\n\nSebagai pilihan, anda boleh mengambil polisi tersebut dan kemudian menamakan seseorang yang mempunyai lesen memandu yang sah sebagai pemilik bersama kenderaan. Dalam pelbagai peringkat, pendekatan ini terbukti lebih mudah untuk anda berbanding dengan pilihan sebelum ini.\n\n\n\n\nMenggunakan \u2018Parked Car Policy\u2019 (Polisi Kereta Terpakir)\n\n\nSekiranya anda mempunyai kereta eksotik atau kereta mahal yang di parkir di garaj anda, anda MESTI mengambil insurans. Anda boleh berunding dengan syarikat insurans untuk memberikan pelindungan lain, tetapi masih menginsuranskan kereta anda daripada kecurian, kebakaran dan kerosakan. Ini merupakan cara paling biasa untuk anda melindungi kenderaan tanpa memiliki lesen memandu.\n\n\nJadi, apa pendapat anda tentang memiliki kereta tanpa lesen memandu? Adakah anda akan melakukannya? Kongsikan kepada kami di bahagian komen di bawah. Jangan tinggalkan kami tanpa tanda \u2018Like\u2019 dan tekan butang \u2018Subscribe\u2019 serta aktifkan notifikasi! Jumpa lagi!\n\n\nTags:\nInsurans Kenderaan\nLesen Memandu\nParked Car Policy\nPolisi Kereta Terpakir\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/07/13/does-car-insurance-cover-theft/", "title": "Does Car Insurance Cover Theft?", "body": "If you live in a neighborhood with a high crime rate, it\u2019s normal to worry about someone stealing your car. That is why you wonder if your \ncar insurance\n covers \ntheft\n and what you should do if it happens to you. Let\u2019s check out this detailed guide on the specific \ninsurance\n against car \ntheft\n and how to activate it.\n\n\nDoes Every Car Insurance Cover Theft?\n\n\nThe answer is, no \u2013 not every \ncar insurance\n in Malaysia covers theft. Ensuring your car against theft isn\u2019t mandatory by the law. However, you can still pick to ensure your vehicle against someone stealing it.\n\nMalaysian insurance agencies offer two different policies that include theft:\n\n\n\n\nTPFT \u2013 it is short for theft, fire, and \nthird-party insurance\n. It is a medium-level policy that includes mandatory third-party coverage plus protection against theft and fire.\n\n\nComprehensive\n \u2013 this is the most advanced insurance type to get, and also the priciest. Apart from theft and fire protection, \ncomprehensive insurance\n also covers first-party claims.\n\n\n\n\nCar insurance\n against theft is a smart idea to ensure peace of mind. It can be wise to get it if you live in an area with crime problems or driving a luxury car that costs a fortune. The critical thing to note is that you shouldn\u2019t participate in the theft in any way. Apart from your \ncar getting stolen\n, it is crucial that your negligence didn\u2019t lead to it. Here is a negligence example \u2013 did you leave your car in a hotel and give the valet keys? The insurance company will consider that negligence and can refuse to pay compensation. You can encounter the same problem with a \ncar wash\n service, and even if you give a key to a friend.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nHow To Make A Car Theft Insurance Claim\n\n\nThe first thing to ensure is that someone stole your vehicle. You don\u2019t want to report a theft only to find out your son took the car for a drive. Make sure to confirm your suspicions about someone stealing the vehicle. Your initial step is to file a police report as soon as possible. Once you do that, it\u2019s time to contact the insurance agency and file a theft claim. Now, it\u2019s critical to arm yourself with patience. The police will investigate the issue, but that could take months whereas the \ninsurance company\n needs to wait for the investigation to pay the compensation.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nWhat Happens Once The Police Investigation Is Over?\n\n\nThe first thing that could happen is that the police find your vehicle. If that happens, they will return the car to you as soon as they confirm ownership. As for the \ndamages to the car\n, it will depend on whether you have a first-party claim. If you are eligible for \nfiling an own damage claim\n, you can submit one to receive damage compensation. However, please note you won\u2019t be able to use your \nno claim discount (NCD)\n after that. An alternative scenario is that the police don\u2019t find your car. If that happens, the insurance company will pay out the agreed or market value. Check out your insurance contract to see if you agreed to a particular compensation if theft occurs. If that\u2019s not the case, the company will determine the \nsum based on the current vehicle\u2019s market value\n. It\u2019s possible to appeal and try to increase the sum, but make sure to consult a legal professional before doing that.\n\n\nTags:\nComprehensive Coverage\nFire and Theft Cover\nNo Claim Discount (NCD)\nTPFT\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/20/mistakes-to-avoid-when-drafting-your-will/", "title": "Mistakes To Avoid When Drafting Your Will", "body": "There is no doubt that a will is among the most important documents you \nwill\n ever encounter. After you pass away, it \nwill\n serve as a way to ensure that they carried out your wishes. It is, therefore, astounding that many Malaysians don\u2019t have one. No matter how proactive you are and have created a will, your loved ones may still be shocked after your death. When \ndrafting a will\n, its laws can be complex, making mistakes more likely. Minor errors may cause the removal. In addition, it can lead to a contested and void will. The discovery of most mistakes in wills after the owner passes away means that the friends and family have to deal with the mess. We look at the most common mistakes we see to avoid this ordeal.\n\n\nThe Absence Of a Will\n\n\nNot \nmaking a will\n at all could be the biggest mistake. It\u2019s common for people to feel too young to think about their eventual demise. Another possibility is that they don\u2019t think they have enough money to make a will. Finally, maybe the process seems daunting. However, none of these is acceptable excuses. We have seen estates taken over by the public administrator because of the lack of documents. The beneficiaries may not get their inheritance for months or years when this happens.\n\n\nAn Incorrect Witness Signed The Will\n\n\nTo sign a valid will, two people must be present:\n\n\n\n\nCitizens of Malaysia who are at least 18 years old\n\n\nDo not list themselves as beneficiaries in the will or are married to a beneficiary\n\n\n\n\nFor the will to be valid, sign the document in the presence of two witnesses.\n\n\nChanging Your Will After You Have Signed It\n\n\nIt is impossible to amend a will without an official alteration once witnessed and signed. Changing an existing document would require you to submit an official amendment called a codicil or create an entirely new will. In the same way that a will must be signed and witnessed, a codicil must also be signed and witnessed. It is possible to add as many codicils to it as you like, although making a new will may be more manageable.\n\n\nHaving No Idea What Overrides a Will\n\n\nThe terms of \nyour will\n do not dictate how to handle your finances. Your investments, retirement plans, and life insurance policies take precedence over provisions in \nyour will\n. Joint tenancy also takes precedence over this document. For instance, if you name three kids in your will but only one child on your bank account, the one indicated receives the items. You can ensure that all assets flow through the will by naming the grantor\u2019s estate as the beneficiary.\n\n\nNot Updating Your Will\n\n\nLife events could change the outcome of a will that many people do not know. For example, you might experience:\n\n\n\n\nA new child or grandchild is born\n\n\nDivorce or marriage\n\n\nLosing a loved one\n\n\nBuying a new home\n\n\n\n\nHaving an up-to-date policy will ensure there is no confusion after these events.\n\n\nUnclear Descriptions\n\n\nA keepsake may be something you want to give a relative. How do you handle having multiple items with similar characteristics or relatives with similar names? They can create tension.\n\n\nProperty Not Included In The Will Not Taken Into Account\n\n\nIt is possible to have most assets (\nlife insurance\n, pensions, bank accounts, etc.) pass directly to the designated beneficiary. A will does not apply to these assets, so consulting a professional would be helpful in this case.\n\n\nNot Designating The Right Executor\n\n\nIf you seek an executor to settle your estate, carefully consider who is qualified to perform those duties. Be mindful of conflicting interests. Family members are sometimes not the best choice, mainly if you trust your sibling to handle family members. Bad results are likely! Make sure the person you choose is aware ahead of time. The job may not interest them, so they do not appreciate the surprise. It is more common for them to feel honoured. Tell them now instead of waiting until you\u2019re gone.\n\nKeep a backup executor if your first choice can\u2019t do the job.\n\n\nFailure To Establish a Bloodline Trust\n\n\nTake a look at this scenario. Upon your death, they will give your property to your daughter and her husband, a person you never liked very much. After a couple of years, they divorce, and he ends up with half of your hard-earned money. You can see what happens without a bloodline trust. In a bloodline trust, you can specify that only direct descendants of your family \u2013 such as blood children and grandchildren \u2013 are entitled to assets.\n\n\nPersonal Property Not Addressed\n\n\nConflict can arise when people fail to clarify who gets what property. For example, the heirs should typically divide personal property equally \u2013 such as clothing, furniture, and jewellery. But then you have to ask what is \u201cequal.\u201d It can cause fights about pieces with no economic value but great sentimental value.t Make it easier for your heirs by addressing this in your will about particular items they find essential. You can also allow beneficiaries to choose specific items in rotation.\n\n\nTags:\nExecutor\nInheritance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/08/02/do-auto-insurance-cover-drunk-driving-accidents/", "title": "Do Auto Insurance Cover Drunk Driving Accidents?", "body": "Your auto insurance covers damages caused by a crash. But, what occurs if the collision was brought about by drinking and driving? Will an auto insurance company pay for an accident caused by \ndrunk driving\n? Read on to learn more about the different \ndrunk driving accidents\n and \nauto insurance\n scenarios and how it may or may not affect you. Anyone who drives when they\u2019re intoxicated with either alcohol or drugs can result in an exorbitant fine and jail time. Even if you are found guilty and are placed at substantial \nfinancial\n risk if you get into an accident as a result of your overindulgence, you might be surprised to learn that your auto insurance company will cover any accident caused by drinking and driving, but with restricted \ninsurance policy\n terms. In Malaysia, the influence of alcohol is a general exclusion for \ncar insurance\n in Malaysia.\n\n\n\n\nWhy Insurance Companies Cover Drunk Driving?\n\n\nIndeed, \ndrunk driving\n is illegal. However, your crime is considered unintentional. Yes, you readily drove under the influence of drugs or liquor. But as ready as you are, nobody ever plans on getting into an accident. That is why\u2013even though your insurance company doesn\u2019t cover vehicle or property damage due to drugs or alcohol influence. But the \ninsurance companies\n will still have to pay for third-party bodily injury and property damage, and subsequently, the insurance company still has the right to use the to claim back from the insured.\n\n\n\n\nCase Scenario\n\n\nHere\u2019s a case scenario for you\u2013 A \ndrunk driver has damaged a third party car\n and injures the 3 victims inside the vehicle. The victim\u2019s family decide to sue the drunk driver and eventually awarded by the court RM200k. The \ninsurance company\n will first pay for RM200k compensation. A few weeks later, the drunk driver received a letter from the insurance company and instructed him to pay for the RM200k plus the legal expenses because alcohol\u2019s influence is an exclusion.\n\n\nWhat Happens If I Declare Bankruptcy\n\n\nIf a victim wins a lawsuit, your financial income may be taken to pay the judgment at all costs. You should note that though in some legal matters, you may be discharged when you declare bankruptcy, however, it is not the case for drunk driving lawsuits. Your financial obligation regarding drunk driving will stay on your record even if you declare bankruptcy.\n\n\nWhat Can Happen to My Policy After Drunk Driving?\n\n\nEventually, your auto insurance company will most likely pay for your victim\u2019s losses\u2013 regardless of whether you were driving under the influence of drugs or alcohol. But after the accident, you \ninsurance\n policy\n might be void or you could pay twice as much for vehicle insurance after your at-fault crash.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nConclusion\n\n\nPlease don\u2019t think that you can escape from drink and drive offense, even though \ninsurance\n companies compensate the victims under the law, they can always use the subrogation right to \nclaim\n back from you, and such offense is heavily penalized under the Malaysian laws.\n\n\nTags:\nDrunk Driving\nDUI\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/01/26/how-do-i-figure-out-which-car-insurance-is-best-for-me/", "title": "How Do I Figure Out Which Car Insurance Is Best For Me?", "body": "\n\nIf you\u2019re new to the world of auto insurance, or you recently discovered that you haven\u2019t been operating the best coverage for you and your car, you must gain a working understanding of how to get ideal coverage for you.\n\n\n\n\nHow do you go about picking the best \ncar insurance\n policy to serve your needs?\n\n\nWhat are the most important factors to remember while doing so?\n\n\nWhat types of \ncar insurance\n are available to you?\n\n\n\n\nAll these are vital questions you need to find answers to before settling for your coverage package. The first step towards getting the best coverage for your car is to work the program and do the needful. With the right policy, you give your vehicle the best \nfinancial\n protection and the opportunity to do so without breaking the bank. To do all of this effectively, you need to know how to shop for \ninsurance\n right. It means you need first to determine just what kind of car insurance you need first. If you don\u2019t sit back and highlight all you want your ideal coverage to do for you, you won\u2019t even know what to look for in the first place. There are essentially three types of car insurance you can avail. There is the:\n\n\n\n\nThird-Party Coverage,\n\n\nThird-Party, \nFire and Theft\n Coverage\n\n\nComprehensive\n Coverage\n\n\n\n\nAs you would expect, each of these policies offers you protection to varying degrees, with the Third Party policy offering the least coverage and the Comprehensive approach offering the most. However, just because one policy offers more coverage than the other doesn\u2019t make it the best one for you. It would help if you remembered things like,\n\n\n\n\nHow much you can comfortably afford as premium,\n\n\nThe age and condition of your vehicle,\n\n\nWhat deductible you are willing to pay and a few other things as well.\n\n\n\n\nOnce you have successfully figured that out, the next step is picking an insurer. \nInsurance\n rates will vary widely, so; you should keep an eye out for the insurer with the best offer in terms of:\n\n\n\n\nLow mileage discount,\n\n\nProfessional discount,\n\n\nGood driver bonus features\n\n\nAlarm discounts, and so on\n\n\n\n\nThrough this, it\u2019s an important factor in the reviews of previous and existing subscribers of the insurer as well.\n\n\nTags:\nAuto Insurance\nCar Insurance\nCar Insurance Discounts\nComprehensive Coverage\nFire and Theft Cover\nThird Party Insurance\nThird-Party Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/05/5-things-to-do-before-you-apply-for-a-loan/", "title": "5 Things To Do Before You Apply For a Loan", "body": "Since the pandemic rolled in, the global market hasn\u2019t been what it used to be. With people left facing financial challenges, one of the best resources anyone can turn to at the moment is \nsecuring a loan.\n Yet, this avenue isn\u2019t always accessible to everyone for different reasons. If you\u2019re thinking about getting a loan, there are a few things you need to attend to before you commence the \nloan application\n process in earnest. Doing these things will help you better prepare for the \nloan application\n process and increase your chances of getting the financial assistance you need. Some things you have to attend to before getting a loan include;\n\n\n1. Analyzing Your Latest Credit Report Information\n\n\nOne of the most critical factors in determining whether you get that \nloan\n is what your MyCTOS is saying. So, be proactive. Request and review the most recent copy of this report to know where you stand. That way, you\u2019ll know whether you need to take any steps to improve your \ncredit score\n.\n\n\n2. Don\u2019t Take On New Debts Before Your Application\n\n\nIf you aren\u2019t already aware, please know that every loan application you tender is input into your record in the Central Credit Reference Information System (CCRIS). It means two things. The first is that there\u2019s no \nloan\n application you make that flies under the radar. The second is that your credit score will decrease slightly each time you take out a loan. The more loan applications appear in your CCRIS; the fewer banks are likely to consider you as they\u2019ll think you\u2019re simply a risky borrower looking to score more credit. So, make sure you don\u2019t take on new debt when you want to apply for a loan.\n\n\n3. Boost Your Debt-to-Income Ratio As Much As You Can\n\n\nA debt-to-income ratio refers to the portion of your monthly income that goes into paying your debts. If you want to increase your chances of getting your loan approved, do everything you can to keep what you use to pay off loans below 40% of your total monthly income. In essence, try to increase your income and conversely lower your debts.\n\n\nCheck your company eligibility & apply business loan online.\n\n\n4. Take Your Time to Explore Your Options\n\n\nInterest rates among \nfinancial\n institutions are anything but uniform. You can use that to your advantage. Check out and \ncompare as many loan providers\n as you can. Compare their interest rates as well as terms and conditions. That way, you\u2019ll be able to find the best package for yourself.\n\n\nCompare Personal Loan In Fincrew\n\n\n5. Secure and Arrange Your Income Documentation\n\n\nOne of the things that may slow your application process is getting the necessary documents for proof of income. However, by getting things like your bank statement and other documents at the ready, you\u2019ll be one step closer to getting your approved loan on time.\n\n\nConclusion\n\n\nWhile getting your \nloan\n approved isn\u2019t a walk in the park, following the guideline we\u2019ve highlighted will make it easier for you.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nCCRIS\nCredit Score\nLoan Application\nLoan Guideline\nMyCTOS\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/05/ever-wonder-how-malaysia-government-spent-your-road-tax-revenues/", "title": "Ever Wonder How Malaysia Government Spent Your Road Tax Revenues?", "body": "It would help if you had a valid \nroad tax in Malaysia\n before driving a car on public roads. But do you know how the government spends your road tax? Here, you will find information about how the Malaysian government spends \nroad tax revenues\n and other information related to road taxes.\n\n\nHow Did The Malaysian Government Spend Your Road Tax Revenue?\n\n\nThe country of Malaysia has a vast network of roads that connect different cities in different states. You have to pay to drive your car on public roads because it is used to build and maintain public streets and provide safety and emergency services along these roads. In other words, \nroad tax revenues\n are used to construct roads, retain them, and upgrade them.\n\n\nWho Has To Pay Road Tax?\n\n\nIndividuals who purchase motorized vehicles must pay \nroad taxes\n for commercial or personal use. The car can be a two-wheeler, a three-wheeler, a four-wheeler, or a commercial truck or trailer.\n\n\nHow To Renew Road Tax\n\n\nDepartment Of Road Transport (JPJ)\n\n\nRenewal of your \nroad tax\n can be done at JPJ. To get it done, all you need to do is go to the nearest JPJ Office, queuing, and get it done. There is typically a long queue at JPJ offices because they are usually very crowded. It is also possible to renew your road tax at the post office, but you\u2019ll need to make an appointment first.\n\n\nCan Someone Help Me Renew My Road Tax?\n\n\nVehicle owners or their representatives can apply for a road tax renewal. If the vehicle owner is the one presenting to renew the road tax, he must submit his MyKad to be read and recorded in the MySikap system using the MyKad reader. When a representative is sent on your behalf, he does not need to bring the MyKad of the registered vehicle\u2019s owner. Only his MyKad is required.\n\n\nHow To Renew Your Road Tax At JPJ\n\n\n\n\nEnsure you have prepared all the necessary documents:\n\nIdentity card (IC)\n\nA copy of the vehicle grant or certificate of ownership\n\nA cover note insurance policy\n\n\nVisit a JPJ office or branch or a UTC counter.\n\nThe complete list of JPJ offices is here.\n\nUTC\u2019s full list of offices is available here.\n\n\nFind out what your queue number is.\n\n\nYou should wait in the waiting area until your number is called.\n\n\nIf your number is called, go to the counter and \nrenew your road tax\n.\n\n\n\n\nPos Malaysia\n\n\nWith expired road, taxes come uneasy feelings and worries. Besides getting it done at JPJ, you can also renew road tax at Pos Malaysia. They are very similar steps to getting it done at JPJ.\n\n\nRenewal Of Road Tax At Pos Malaysia\n\n\n\n\nBe sure that you have prepared the following documents:\n\nIdentity card (IC)\n\nA copy of the vehicle grant or certificate of ownership\n\nA cover note insurance policy\n\n\nVisit the nearest Pos Malaysia office.\n\n\nObtain the queue number.\n\n\nSit in the waiting area while you await your number.\n\n\nWhen your number is called, go to the counter and \nrenew your road tax\n.\n\n\n\n\nThose who have lost their vehicle grant still have the option of renewing their road tax at the Post Office. You will need your IC or passport. It is unnecessary to have the owner\u2019s IC if you are only a representative.\n\n\nRenew Online With Fincrew!\n\n\nNow, \nrenew your auto insurance and road tax online\n and avoid the \u201cI forgot, I was busy\u201d excuse! To buy/renew your road tax, you no longer have to stand in line or hire a runner. Go online to \nFincrew\n and have your road tax restored within minutes.\n\n\nTags:\nJPJ\nMyKad\nMySikap\nPos Malaysia\nRoad Tax\nRoad Tax Revenue\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/11/08/making-a-third-party-insurance-claim/", "title": "Making A Third Party Insurance Claim", "body": "You might have heard about \nthird party insurance\n. It could be you even have it as a part of your car insurance policy, but you are unsure what it means. This article will specify all details related to \nthird party insurance\n \nclaims\n, when and how to file them. Here is what you need to know about your policy!\n\n\nWhat Is The Definition Of \u201cThird Party?\u201d\n\n\nThe person who signs the insurance policy is the first party, while the company providing the deal is the second party. Those are the two main participants of the insurance policy. However, since car insurance deals refer to vehicle accidents involving other people and objects, we need a name for them. That\u2019s why the industry implemented the term \u201cthird party.\u201d If you hear \u201cthird party,\u201d that refers to someone who participated in an accident but isn\u2019t a part of the \ninsurance deal\n. The third party usually suffered injuries, material, or other consequences in the incident.\n\n\nRequirements For Making A Third Party Claim\n\n\nYou can participate in two accident types. The first one is an incident where you are to blame, and the second is an accident that wasn\u2019t your fault. Filing third party \nclaims\n are only possible in the latter case, which means you shouldn\u2019t be responsible for the accident. Another requirement is that the participant you are claiming against has a \nthird party policy\n. That insurance is the basic one in Malaysia, so a massive majority of vehicle owners have it. You make a \nthird party claim\n against someone else\u2019s policy, which means it doesn\u2019t have anything to do with your insurance. That\u2019s good because you can keep your \nno claim discount (NCD)\n\n\nHow To File A Third Party Claim\n\n\nIt might be your first time you need to file a \nthird party claim\n. If that\u2019s the case, it\u2019s vital to follow the right step. Those include:\n\n\n\n\nMake sure to file a police report shortly after the accident. It should be within 24 hours of the incident. If possible, remember to take photos of the scene and the damaged vehicle. That\u2019ll help you prove you aren\u2019t to blame for the incident.\n\n\nTalk to the other driver about their insurance policy. Once you discover the company they are insured with, find out the workshop partnered with them. Take your vehicle to that mechanic to estimate the damage costs.\n\n\nIt\u2019s wise to contact a professional adjuster who will independently determine the damage costs, too. That way, you\u2019ll know the estimate is realistic.\n\n\nThe adjuster creates a detailed report about the damage. That report includes actual damages to cover repairs plus compensation for the time when you can\u2019t use your car. You will receive additional money for every day you can\u2019t drive the vehicle.\n\n\nIt takes about a week for the adjuster to complete the report. Once you acquire it, deliver the documents to the \ninsurance company\n. Please note you send documents to the agency whose policy you are claiming against!\n\n\n\n\nApart from the report, you\u2019ll also need your \ndriving license\n, NRIC, the police report from the actual department, and the one you made. The regulations indicate that you pay for damage costs to repair your vehicle. Once the process finishes, you receive compensation as stated in the report. If you feel like you don\u2019t have a straightforward case, it might be smart to contact a lawyer to guide you through the process.\n\n\nTags:\nAdjuster\nNo Claim Discount (NCD)\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/11/02/faktor-faktor-pengaruhi-harga-insurans-kereta/", "title": "Faktor-Faktor Pengaruhi Harga Insurans Kereta", "body": "Sudah menjadi kewajipan untuk para pemandu di Malaysia untuk memperbaharui insurans kenderaan mereka pada setiap tahun bersama dengan \ncukai jalan\n. Tetapi, anda semua tentu perasan yang \ninsurans kereta\n lebih mahal berbanding dengan insurans motosikal.\u00a0 Kenapa agaknya, ya? Berikut merupakan 7 sebab yang mempengaruhi harga premium \ninsurans kereta\n:\n\n\n1. Usia Pemandu\n\n\nAnda mungkin tak perasan tentang perkara ini. Umur pemandu boleh mempengaruhi harga insurans kereta. Pemandu yang berumur dalam lingkungan 16 hingga 25 tahun perlu membayar premium yang lebih tinggi berbanding dengan pemandu yang lebih berusia. Ini mungkin disebabkan oleh statistik kemalangan di Malaysia yang menunjukkan pemandu baru dan pertama kali memandu berpotensi tinggi untuk terlibat dalam kemalangan jalan raya.\n\n\n2. Jantina\n\n\nApa kaitan jantina dengan \npremium insurans\n? Berdasarkan statistik \nkemalangan\n di Malaysia, kaum lelaki lebih ramai terlibat dalam kemalangan berbanding dengan wanita. Kemalangan jalan raya dikatakan menjadi penyebab utama ketiga kematian lelaki dan kelima bagi wanita. Pasti ada yang tidak bersetuju dan mengatakan bahawa pemandu lelaki lebih cekap memandu berbanding dengan pemandu wanita. Tetapi inilah kenyataannya. Mahu tak mahu, jika anda lelaki anda perlu membayar \npremium insurans\n yang lebih tinggi berbanding dengan wanita.\n\n\n3. Tempat Tinggal\n\n\nKalau anda perasan, kadar kemalangan selalunya adalah lebih tinggi di negeri yang mempunyai ramai penduduk dan bandar-bandar besar seperti Selangor, Johor dan Kuala Lumpur. Selain daripada kemalangan jalan raya, negeri-negeri ini juga memiliki kadar pelanggaran trafik serta vandalisme yang tinggi. Jadi kenderaan anda berkemungkinan dirosakkan secara sengaja atau pun tidak sengaja.\n\nBerbeza pula dengan negeri-negeri yang mempunyai kepadatan penduduk yang lebih rendah seperti Perlis, Terengganu dan Kelantan. Negeri-negeri ini mencatatkan kadar kemalangan serta masalah trafik yang lebih rendah. Jadi premium insurans mereka juga lebih murah. Lagi satu, jika kawasan tempat tinggal anda itu sering dilanda bencana alam seperti banjir, anda juga mungkin akan dikenakan bayaran premium yang lebih tinggi oleh syarikat insurans.\n\n\n4. Usia Kenderaan\n\n\nTahukah anda? Usia kereta yang terlalu lama juga dikenakan insurans yang lebih tinggi. Ini kerana kereta lama ini dianggap lebih berisiko untuk berada di atas jalan raya. Keadaan ini mungkin dipengaruhi oleh ciri-ciri keselamatan yang telah ketinggalan zaman serta kemungkinan berlaku kerosakan dalaman kenderaan yang tidak disedari. Terdapat juga kes di mana kenderaan lama tidak layak untuk memohon pelindungan insurans. Jika kereta anda telah berusia lebih daripada 15 tahun, polisi insurans pihak ketiga iaitu Malaysian Motor Insurance Pool (MMIP) akan memastikan kereta anda itu dilindungi.\n\n\n5. Rekod Pemanduan\n\n\nSemasa anda membuat permohonan untuk membeli \npolisi insurans\n, pihak insurans akan membuat penelitian terhadap sejarah pemanduan anda. Sekiranya didapati anda pernah mengalami kemalangan, mempunyai rekod kesalahan trafik dan sebagainya anda akan dikenakan kadar premium yang lebih tinggi. Jadi, berhati-hati dan pandu secara berhemat bukan sahaja untuk keselamatan diri, tetapi juga untuk mendapatkan harga premium insurans yang lebih berpatutan.\n\n\n6. Kenderaan Berpotensi Untuk Dicuri\n\n\nAda sesetengah model kenderaan menjadi pilihan pencuri. Antara kenderaan yang berada dalam senarai Kenderaan Berisiko Tinggi untuk Dicuri adalah Proton Iswasa, Perodua Myvi, Proton Waja, Toyota Hilux dan juga Proton Wira. Jika anda memiliki kenderaan jenis ini, bersedialah untuk premium insurans yang lebih mahal.\n\n\n7. Polisi Tambahan\n\n\nSekiranya anda meminta untuk membuat tambahan pada polisi sedia ada, tentulah anda perlu membayar premium yang lebih tinggi dari biasa. Tetapi, walaupun mahal pelan insurans tambahan ini tentunya akan memberikan pelindungan yang lebih baik. Sebenarnya terdapat pelbagai \npelan insurans\n diluar sana yang boleh anda pilih bersesuaian dengan keperluan anda. Anda boleh melakukan perbandingan sebut harga di Fincrew bagi mencari sebut harga yang sesuai dengan bajet serta pelindungan yang anda mahukan.\n\n\n\n\nTags:\nInsurans Kenderaan\nInsurans Kereta\nPremium Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/11/24/my-driving-license-has-expired-at-the-time-of-accident/", "title": "What Happen If My Driving License Has Expired At The Time Of Accident", "body": "If you want to drive a car in Malaysia, you need to have a valid \ndriving license\n. The government requires everyone to renew their licenses at regular intervals? What happens if you miss renewing your license and you participate in an accident? Here are the details required to get you ready for that situation.\n\n\nNot Renewing Your Driving License Is Subject To A Fine\n\n\nYou should make sure your \ndriving license\n is valid, so you are following the law. An expired license means that you are subject to a fine, which can be severe in Malaysia. According to the regulations, you might pay MYR1,000, and the potential punishment might even involve spending three months in jail. Apart from the risk of paying a fine, a valid \ndriving license\n provides you peace of mind. The law exists for a reason, and everyone should follow it.\n\n\nWhat Happens If I Participate In An Accident, And My License Expired?\n\n\nYou might not be aware that your license expired because you forgot to check the date on it. Perhaps it slipped from your mind to renew it. However, the law doesn\u2019t care about the reason, and the important thing is that your license is not valid at the moment of the accident. Now, let\u2019s imagine that you were driving the vehicle and did everything by the book, but someone hit you from behind. It is always better not to be at fault for the accident, especially since that means the \ninsurance\n will cover any damage. But is that true? It is tough to render an accurate answer because it might depend on the insurance company and policy you choose. That is why the best thing you could do is to read the terms and conditions of your deal. You want to look for the part with the exceptions to the policy. Many agencies won\u2019t compensate for the damage if your driving license isn\u2019t valid. It means that the driver who participated in an accident without a license won\u2019t receive compensation for the damage. There were few exceptions made by the \ninsurance companies\n in the past, which is why reading the terms of your deal is the best answer we can give you.\n\n\nWhat If Somebody Else Was Driving The Car?\n\n\nLet\u2019s say that you participated in an accident, but a friend was driving. The \ninsurance companies\n and the police will always consider the license of the person who was behind the wheel. That means your \ninsurance policy\n will be valid in this case. The expiration of your driving license doesn\u2019t breach your \ninsurance policy\n. It is you driving the car without a valid license that could be a breach of the deal.\n\n\n\n\nCOVID-19 Pandemic And Why Expired Driving Licenses Are Valid In 2020\n\n\nWhile the COVID-19 pandemic affected the entire world, the Malaysian government are trying their best to get their acts together with the movement control order (MCO). At the moment, we are in the Recovery Movement Control Order (RMCO) time. According to the information provided by the authorities, you are not obliged to renew your license until RMCO is active, which will be until 31st December 2020. That means the law will treat your license as valid even though it expired. However, please note that you will have 30 days from the last day of RMCO to renew the document.\n\n\nTags:\nCOVID-19\nDriving License\nMovement Control Order\nRecovery Movement Control Order\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/10/01/drunk-driver-hit-my-car/", "title": "Drunk Driver Hit My Car", "body": "Every time somebody loses their lives due to \ndrunk driving\n, this sparks Malaysia\u2019s interest. The statistics don\u2019t seem encouraging since more than 1,100 people lost their lives due to \ndrunk driving\n from 2011 to 2018. Fortunately, it is more often than a person driving under the influence causes car and property damage. What should you do when your automobile gets hit by a \ndrunk driver\n? Here is a detailed guide on how to act in these situations.\n\n\n\n\nThe Better Scenario: The Driver Is There and Ready to Admit Guilt\n\n\nNobody likes to participate in an accident, and especially not to get hit by a \ndrunk driver\n. The best scenario that could happen is that the incident is minor and that the other car\u2019s driver is at the scene. That might mean they hit you from behind while you stopped at an intersection. We will assume that it is their fault. The first thing you want to confirm is that no one is injured. If the only damage is the one to your car, try to communicate with the other party. Are they too drunk and not capable of communicating properly? If they seem impolite, do not hesitate to call the police right away. It will be far easier if the driver knows that they \ncaused the accident\n and is willing to blame the damage. Always insist on making an incident report, and don\u2019t forget to take photos of the scene. That way, you will have proof about who caused the damage. It could prove useful if the other party changes their story and refuses to accept the blame later.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nThe Worse Scenario: The Driver Is Not There\n\n\nHere is a hypothetical situation \u2013 you park your car in a parking spot to go for a walk. Once you return to the vehicle, you realize someone hit you. They ran away from the scene, which is an automatic sign that they refuse to take the blame. You can look for a note on the vehicle to see if the driver left the contact information. If that is not the case, here is what you need to do:\n\n\n\n\nContact the police immediately. You want to report the incident, and the police can also assist you in filing everything properly. The police will try to find the car owner by looking at the surveillance cameras at the spot.\n\n\nYou can help the police by asking around to look for potential witnesses. If anyone saw what happened, ask them to give a statement to the police. It could help in finding the person that caused the accident.\n\n\nUse your smartphone to take photos of the accident. Make sure not to move your vehicle before the police arrive. Take multiple images from different angles to get an accurate portrayal of the damage.\n\n\n\n\nOnce you have the other driver\u2019s information, it is time to file a report against their \ninsurance company\n. To do that, you should first get a car to the workshop to get an appraisal and fix the damage. Based on the paperwork provided by the mechanic, you will now the compensation sum to demand. The \nclaim\n must be as detailed as possible. Contact the company to find out everything that they require for \nfiling a claim\n. Make sure to file it within the specified timeframe. If you don\u2019t have the information about the other party, you can try filing a \nclaim with your insurance\n company. The claim might be approved if you have the option to claim a No-Fault OwnDamage (NFOC) claim.\n\n\nTags:\nDriving Under The Influence (DUI)\nDrunk Driving\nNFOC\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/05/guide-to-make-a-claim-if-the-insured-person-is-dead-in-an-accident/", "title": "Guide To Make a Claim If The Insured Person Is Dead In An Accident", "body": "It is deeply upsetting and shocking to lose someone you love in a fatal accident. Even though no amount of money can compensate you for the pain you feel, compensation for fatal accident injuries can give you some financial relief so you can focus on more important matters.\n\n\n\n\nWho Can Make a Claim For The Deceased\n\n\nDependents of a deceased person might \nfile a claim\n for compensation under the Fatal Accident Act if somebody else\u2019s negligence or error caused the accident. Dependents include:\n\n\n\n\nThe spouse or ex-spouse\n\n\nSomeone who lived with the deceased for the past two years before passing\n\n\nChildren by blood, as well as descendants through adoption, marriage, or civil partnerships\n\n\nAscendants of the dead, including grandparents, great grandparents, and relatives whom they treated as parents\n\n\nCousins, aunts, uncles, nieces, nephews\n\n\n\n\nWhen A Fatal Accident Occurs, What Can You Claim?\n\n\nEach case is unique. The amount of compensation you are entitled to may vary depending on the circumstances surrounding the accident and other factors. You can get payment from a \npersonal accident insurance policy\n for the following items in case of a fatal accident:\n\n\n\n\nPain, suffering and loss of facility of the deceased \u2013 If the deceased suffered a disease, such as an asbestosis or were bedridden due to medical negligence, this claim would compensate them for the pain and suffering they endured while alive.\n\n\nActual losses incurred \u2013 This component includes payment for actual expenses incurred for the injured person and any administrative costs incurred in the event of their death. As a result, they \ncover basic expenses\n incurred like hospitalization, nursing care, medications, housing adaptations, and travelling expenses. Also included are funeral expenses.\n\n\nLoss of earnings \u2013 If the death wasn\u2019t immediate, they consider the loss of profits because of unemployment.\n\n\nLoss of services \u2013 The family can also \nfile a claim\n for compensation for the loss of services provided by the deceased, such as childcare, housework, gardening, etc. They may consider the cost of hiring an alternative caregiver if the dead person was caring for another sick family member.\n\n\nDependent losses \u2013 This is often the most significant component of compensation claims resulting from fatal accidents. It applies if the deceased had dependents depending on their income, such as a spouse, minor children, or elderly parents. The amount will depend on the deceased\u2019s income. In addition to lost pension benefits, the calculation may also include healthcare benefits, the use of a company car, and mobile phone usage.\n\n\n\n\nHow To Make a Claim\n\n\nA \nclaim\n is against the vehicle owner or driver that caused the accident, and the insurer of that vehicle handles it. To \nclaim\n, you must:\n\n\n\n\nNotify the police in writing about the accident\n\n\nFind out what car caused the accident by obtaining its registration number.\n\n\nGet a claim form from the insurer of the vehicle that caused the accident.\n\n\n\n\nTo discover the vehicle\u2019s registration number that \ncaused the accident\n, contact the police, speak to witnesses, or publish an advertisement in your local newspaper asking witnesses to contact you. After trying everything to locate the vehicle\u2019s registration number involved against the Nominal Defendant, there comes the claim if the car is \u2018unidentified\u2019. A claim can also be filed against the nominal defendant when the vehicle causing the accident is unregistered.\n\n\nTags:\nDependents\nFatal Accident Act\nInsurance Claims\nNominal Defendant\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/17/what-does-erm-means-in-insurance/", "title": "What Does ERM Means In Insurance?", "body": "ERM\n requires corporations to assess all risks and decide which ones they will actively manage; however, it also allows top managers to make executive decisions regarding risk management, regardless of whether a particular segment benefits from it. As a result, isolated risks within an individual business unit do not know or see the bigger picture.\n\n\nWhat Is ERM?\n\n\nERM\n is a method used by banks, insurance companies, and corporations to manage risk holistically. The top-down strategy involves assessing, preparing for, and finding ways to prevent losses, dangers, hazards, and other potential damages that can interfere with operations or objectives and lead to losses. An enterprise resource management system requires management-level decisions that benefit a specific segment or business unit. Rather than having each business unit \nmanage its risk\n on its own, firm-wide surveillance takes precedence. For example, if a risk manager discovers that two trading desks in different parts of the firm have \nexposures\n to the same risk, they may force the less important desk to eliminate that risk exposure. They are deciding with the entire firm in mind (not with the individual trading desk).\n\n\nUnderstanding ERM\n\n\nERM requires corporations to assess all risks and decide which ones they will actively manage; however, it also allows top managers to make executive decisions regarding risk management, regardless of whether a particular segment benefits from it. As a result, isolated risks within an individual business unit do not know or cannot see the bigger picture. The distributed risk plan also often appears in an annual report to all stakeholders. ERM is present in industries as diverse as aviation, construction, public health, international development, energy, finance, and insurance. For years, companies have managed risk. By tradition, each business unit evaluates and contains its risks and reports back to the CEO later. During the past few years, corporations have increasingly begun to recognize the importance of taking a holistic approach.\n\n\nEnterprise Risk Management In Insurance\n\n\nThe adoption of effective ERM allows \ninsurers\n to identify, measure, accept, control, report, and monitor all material risks more efficiently. For ERM to work, it must be a core component of the \ninsurance company\u2019s\n business, integrated with its corporate culture, and aligned with its strategic goals. As part of their corporate governance frameworks, \ninsurance\n supervisors ensure that directors oversee risk management functions properly. Ultimately, they implement enterprise risk management by an insurer\u2019s board of directors per the firm\u2019s business model, size, and complexity.\n\n\nA critical component of risk-based supervision is the supervisor\u2019s assessment of how well \ninsurers\n manage their risks. For supervisors to be effective, they must be knowledgeable about risks arising from insurance operations and insurer risks in general. As a result, they can adopt a principles-based approach rather than a one-size-fits-all approach. In this way, insurers with low-risk profiles are less burdened with unnecessary regulations. In contrast, insurers with large and complex operations give regulatory incentives to take additional measures to mitigate more significant risks.\n\n\nTags:\nAll Risk\nEnterprise Risk Management\nERM\nRisk Evaluation\nRisk Management\nStrategic Risk Management\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/02/20/how-going-bankrupt-affect-your-existing-insurance-policies/", "title": "How Going Bankrupt Affect Your Existing Insurance Policies", "body": "Many factors determine your insurance eligibility, including your financial history. Bankruptcies are seen as a risk by insurance companies because they suggest that you might not be able to pay your premiums. In bankruptcy, your credit score will be lowered significantly, resulting in a higher insurance rate until your credit improves.\n\n\nWhat Is Bankruptcy?\n\n\nBankruptcy refers to a legal process involving a person or \nbusiness\n unable to repay its outstanding debts. The debtor usually files a bankruptcy petition; however, the petition can also be filed on behalf of the creditors. All of the debtor\u2019s assets are analyzed, and some investments may repay a portion of the outstanding debt. The bankruptcy process allows individuals or businesses to resume their \nfinancial\n lives by forgiving debts they can no longer repay while giving creditors a chance to receive some measure of repayment based on the liquidated assets they have available. As a whole, bankruptcy benefits the economy by providing companies and individuals another chance to access credit and creditors with a portion of the debt they are owed. When bankruptcy proceedings are completed successfully, the debtor is relieved from the debt obligations incurred before filing for bankruptcy.\n\n\nWhat Will Happen To My Existing Insurance Policies If I Go Bankrupt?\n\n\nWhen you declare bankruptcy, you may lose some of your \ninsurance coverage\n. It is more likely to happen if you pay your insurance monthly. The insurer may cancel your coverage if you declare bankruptcy, or you may be given a short period to pay off the remainder of the year\u2019s installments if you go bankrupt. You will be unable to renew the cover if you don\u2019t do this. Generally, any insurance would apply, but it\u2019s essential to check:\n\n\n\n\nVehicle insurance \u2013 you can\u2019t drive if you don\u2019t have a valid policy\n\n\nInsurance for buildings and contents\n\n\nAs a self-employed person, you will need general \nliability insurance\n as well as any other guidelines you need\n\n\n\n\nWe recommend checking your insurance policy before going bankrupt, even if you pay your premiums in total each year, to make sure you are covered in the event of other conditions.\n\n\nWhat To Do If Your Insurance Is Canceled?\n\n\nSeveral options are available if you have to pay off the rest of the insurance installments if you go bankrupt:\n\n\n\n\nYou should declare bankruptcy now and pay the remaining installments in your insurer\u2019s timeframe. It might be possible if the monthly payments are small and there are not many left. If you have high monthly payments or a lot of remaining payments, it\u2019s not very realistic.\n\n\nWait until you can afford to pay your insurer after bankruptcy before filing for bankruptcy. If you have 9 or 10 months left to pay, for instance, it will make more sense to wait until there are only 2 or 3 payments left to make to keep the policy if you go bankrupt now.\n\n\nNothing needs to be done if the \ninsurance coverage\n is no longer needed. In some cases, this might be possible if it relates to a vehicle that will be retired or a job that you\u2019ll be completing.\n\n\n\n\nIs It Possible To Get A New Insurance Policy During Bankruptcy?\n\n\nRenew any \ninsurance policies\n you hold since \nbankruptcy\n lasts for at least 12 months. \nbankruptcy\n will affect your standing and make it harder for you to obtain a policy in the future. Your application may be rejected, or your premium may increase.\n\n\nFinal Thought\n\n\nInsurance policies\n may be affected if you go bankrupt. To ensure that you are still protected, you should check what impact going bankrupt will have on your insurance.\n\n\nTags:\nBankruptcy\nInsurance Policy\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/07/05/situasi-yang-menyebabkan-anda-tidak-layak-mendapat-pelindungan-insurans/", "title": "Situasi Yang Menyebabkan Anda Tidak Layak Mendapat Pelindungan Insurans", "body": "Di Malaysia, menjadi satu kewajipan untuk para pemilik kenderaan mendapatkan \npelindungan insurans\n kenderaan setiap kali mereka ingin memperbaharui \ncukai jalan\n. Jika berlaku sesuatu yang tidak diingini contohnya kerosakan akibat kemalangan, pemilik kenderaan boleh membuat tuntutan kepada syarikat insurans. Tetapi terdapat juga situasi tertentu yang menyebabkan pihak insurans tidak meluluskan tuntutan tersebut.\n\n\n1. Rusuhan/Perang\n\n\nKita semua bersyukur kerana tinggal di negara Malaysia yang aman tanpa perlu risau tentang peperangan. Tetapi, sebagai sebuah negara, kita tidak dapat lari daripada percanggahan pandangan sehingga menyebabkan berlakunya rusuhan. Sekiranya kenderaan anda dirosakkan oleh para perusuh, pihak insurans tidak akan menanggung kerugian yang anda alami. Jika anda mahukan pelindungan yang lebih untuk kenderaan anda, anda perlu memohon pelindungan tambahan daripada syarikat insurans dengan membayar lebih bagi pelan insurans kenderaan anda.\n\n\n2. Aksesori Dicuri\n\n\nSekiranya anda merupakan seorang yang gemar mencantikkan kereta dengan aksesori tambahan seperti \u2018sports rim\u2019, \u2018sound systems\u2019 dan sebagainya, kami nasihatkan anda untuk mendapatkan polisi tambahan untuk kenderaan anda. Ini kerana \npolisi insurans\n yang biasa tidak akan memberi pelindungan daripada kecurian aksesori.\n\n\n3. Bencana Alam\n\n\nUntuk pengetahuan anda, pihak insurans juga tidak akan menanggung sebarang kerosakan akibat bencana alam seperti banjir, ribut, tanah runtuh dan sebagainya. Jadi, bagi yang tinggal di kawasan yang sering mengalami banjir atau berpotensi mengalami tanah runtuh, anda digalakkan untuk memohon polisi tambahan bagi kenderaan anda.\n\n\n4. Kenderaan Dipandu Orang Lain\n\n\nPihak insurans juga tidak akan membayar apa-apa tuntutan kepada anda sekiranya sewaktu kemalangan tersebut berlaku, kenderaan ada itu dipandu oleh orang lain walaupun ahli keluarga anda sendiri. Tetapi jangan risau, anda masih lagi boleh mengemukakan tuntutan dengan cara membayar beberapa ratus ringgit kepada \nsyarikat insurans\n. Kemudian mereka akan menguruskan segala urusan tuntutan anda itu. Terdapat cara yang lebih mudah iaitu dengan menambah nama pemandu lain ke dalam \npolisi \ninsurans kenderaan\n anda sewaktu memperbaharui atau \nmembeli insurans\n tersebut. Setiap nama pemandu yang dimasukkan di dalam polisi, anda cuma perlu menambah RM10 sahaja. Jadi mana yang lebih baik?\n\n\n5. Liabiliti Undang-undang Untuk Penumpang Dan Kepada Penumpang\n\n\nSekiranya berlaku kemalangan, pihak insurans cuma akan memberikan pelindungan kepada pemandu sahaja. Penumpang yang berada di dalam kenderaan semasa kemalangan tersebut tidak akan mendapat apa-apa pampasan daripada syarikat insurans. Jika anda mahu memberikan pelindungan yang lebih menyeluruh kepada penumpang kenderaan anda, anda perlu mengambil polisi tambahan iaitu Liabiliti Undang-undang Kepada Penumpang. Jika penumpang kenderaan anda yang menyebabkan kerosakan kepada kenderaan lain, sebagai contoh penumpang kenderaan anda membuka pintu kereta sehingga membuatkan kereta yang berada di sebelah calar, anda juga tidak akan dilindungi oleh insurans. Untuk lebih selamat, anda digalakkan untuk menambah polisi Liabiliti Undang-undang Untuk Penumpang.\n\n\n6. Kerosakan Total (Total Loss)\n\n\nKatakanlah, kenderaan anda yang rosak teruk akibat kemalangan tadi masih lagi mempunyai baki pinjaman dengan pihak bank. Syarikat insurans cuma akan memberikan bayaran pampasan mengikut nilai semasa kenderaan anda ketika itu. Selalunya jumlah pampasan yang diterima adalah lebih rendah berbanding dengan baki pinjaman disebabkan oleh faktor \nsusut nilai\n.\n\n\n7. Kecederaan Dan Kematian\n\n\nRamai juga yang masih belum tahu bahawa \npolisi insurans\n anda tidak akan memberikan pelindungan kepada anda sekiranya berlaku kecederaan dan juga kematian. Apa yang berlaku, jika kemalangan tersebut disebabkan oleh kecuaian individu lain, polisi insurans yang di ambil oleh individu terbabit yang akan membayar ganti rugi ke atas kecederaan dan kematian anda. Tetapi sekiranya kemalangan tersebut disebabkan oleh kecuaian anda sendiri, segala kos perubatan yang anda alami perlu ditanggung oleh diri anda sendiri.\n\n\nDisebabkan sesuatu kecelakaan itu tidak dapat diramal, lebih sekiranya kita bersedia. Pandu dengan berhati-hati. Selain itu, tidak salah jika anda mengeluarkan lebih belanja untuk mengambil \npelindungan insurans\n yang lebih menyeluruh bagi mengelakkan masalah yang lebih berat di masa hadapan.\n\n\nTags:\nInsurans Kenderaan\nPelindungan Insurans\nPolisi Insurans\nTotal Loss\nTuntutan Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/20/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e6%9c%89%e4%bf%9d%e6%b1%bd%e8%bd%a6%e5%bc%95%e6%93%8e%e5%90%97/", "title": "\u6c7d\u8f66\u4fdd\u9669\u6709\u4fdd\u6c7d\u8f66\u5f15\u64ce\u5417\uff1f", "body": "\n\n\u5176\u5b9e\u666e\u904d\u7684\n\u6c7d\u8f66\u4fdd\u9669\n\u662f\u4e0d\u5305\u62ec\u6c7d\u8f66\u5f15\u64ce\u7684\u7ef4\u4fee\u8d39\u7684\u3002\u9664\u975e\u4f60\u7684\u5f15\u64ce\u7684\u6545\u969c\u6216\u635f\u574f\u662f\u7531\u4ea4\u901a\u610f\u5916\u5f15\u8d77\u7684\uff0c\u6bd4\u5982\u8bf4\u4e24\u8f66\u76f8\u649e\uff0c\u4f24\u5230\u5f15\u64ce\uff0c\u90a3\u8fd9\u6837\u7684\u60c5\u5f62\u5927\u90e8\u5206\u7684\u5168\u9762\u8f66\u9669\u90fd\u4f1a\u4fdd\uff0c\u4f46\u8981\u6ce8\u610f\uff0c\u5f88\u6709\u53ef\u80fd\u6709\u4e9b\u4fdd\u5355\u7684\u6761\u6b3e\u5185\u4f1a\u5217\u660e\u6700\u9ad8\u7d22\u8d54\u9650\u5236\u6216\u66f4\u5e38\u89c1\u7684\u662f\u8f66\u4e3b\u672c\u8eab\u9700\u8981\u4ed8\u4e00\u5b9a\u7684\u6700\u4f4e\u6570\u76ee\uff0c\u8d85\u8fc7\u8be5\u6570\u76ee\u7684\u6b3e\u9879\u624d\u4f1a\u7531\n\u4fdd\u9669\u516c\u53f8\n\u4ee3\u57ab\u3002\u8fd9\u4e9b\u90fd\u662f\u5e38\u89c1\u7684\u6a21\u5f0f\u3002\n\n\n\u81f3\u4e8e\u5355\u5355\u9488\u5bf9\u6c7d\u8f66\u5f15\u64ce\u7684\u4fdd\u5355\u8bbe\u5426\u5b58\u5728\uff1f\u7b54\u6848\u662f\u6709\u7684\u3002\u4e4b\u524d\u6211\u4eec\u4e3a\u5927\u5bb6\u8bb2\u89e3\u8fc7\n\u6c7d\u8f66\u4fdd\u9669\n\u4e0e\u6c7d\u8f66\u7ef4\u4fee\u7684\u4fdd\u9669\uff0c\u8fd9\u4e24\u4e2a\u5f53\u4e2d\u5c31\u5305\u62ec\u4e86\u5f15\u64ce\u3001\u7a7a\u8c03\u7cfb\u7edf\u3001\u5239\u8f66\u7b49\u7b49\u7684\u673a\u5236\u6027\u80fd\u7684\u7ef4\u4fee\u3002\u4f46\u662f\u8981\u7559\u610f\u8fd9\u4e9b\u7ef4\u4fee\u8d39\u7684\u4fdd\u9669\u5230\u5e95\u6709\u6ca1\u6709\u4ec0\u4e48\u6761\u4ef6\u6027\u7684\u9650\u5236\u3002\u6bd4\u5982\u8bf4\u5982\u679c\u4f60\u7684\u6c7d\u8f66\u5e76\u6ca1\u6709\u5b9a\u671f\u9001\u5230\u8f66\u5382\u53bb\u7ef4\u4fee\u5bfc\u81f4\u5f15\u64ce\u62a5\u5e9f\uff0c\u90a3\n\u4fdd\u9669\u516c\u53f8\n\u53ef\u80fd\u56e0\u6b64\u800c\u4e0d\u7406\u8d54\u7684\u54e6\u3002\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\n\u9664\u6b64\u4e4b\u5916\uff0c\u8fd8\u6709\u53ef\u4ee5\u52a0\u8d2d\u7684\u53e6\u4e00\u79cd\u4fdd\u9669\uff0c\u53eb\u5ef6\u957f\u4fdd\u56fa\u671f\uff0c\u8fd9\u7c7b\u578b\u7684\u4fdd\u9669\u662f\u5e38\u89c1\u4e8e\u65b0\u8f66\uff0c\u5f53\u6211\u4eec\u4e70\u65b0\u8f66\u65f6\uff0c\u6211\u4eec\u53ef\u4ee5\u52a0\u8d2d\u5ef6\u957f\u4fdd\u56fa\uff0c\u4ece\u539f\u5382\u76843\u5e74\u4fdd\u56fa\u671f\uff0c\u5ef6\u957f\u81f35\u5e74\u751a\u81f3\u66f4\u4e45\uff0c\u5f53\u7136\u4e70\u7684\u8d8a\u957f\uff0c\u8d39\u7528\u5c31\u8d8a\u9ad8\u3002\u81f3\u4e8e\u8fd9\u7c7b\u578b\u7684\u4fdd\u9669\u6709\u6ca1\u6709\u5305\u62ec\u5f15\u64ce\u7684\u90e8\u5206\uff0c\u4e5f\u8bf7\u8f66\u4e3b\u4eec\u4ed4\u7ec6\u7814\u7a76\u4fdd\u5355\u5185\u5bb9\u54e6\u3002\u4e0d\u8fc7\u5982\u679c\u4f60\u8d2d\u4e70\u7684\u662f\u8fdb\u53e3\u7684\u6b27\u6d32\u8f66\uff0c\u6c7d\u8f66\u7ef4\u4fee\u4fdd\u9669\u5176\u5b9e\u662f\u4e00\u4e2a\u660e\u667a\u7684\u9009\u62e9\u5462\u3002\u56e0\u4e3a\u65f6\u95f4\u8d8a\u4e45\uff0c\u8f66\u7684\u635f\u8017\u8d8a\u5927\uff0c\u5230\u65f6\u4efb\u4f55\u96f6\u4ef6\u5305\u62ec\u5f15\u64ce\u95ee\u9898\u90fd\u5f97\u4ee5\u7d22\u507f\uff0c\u53ef\u4ee5\u8bf4\u662f\u4e70\u4e2a\u5b89\u5fc3\u5427\uff01\n\n\nTags:\n\u4fdd\u9669\n\u6c7d\u8f66\u4fdd\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/04/evs-electric-vehicles-have-cheaper-maintenance-but-may-cost-more-to-repair/", "title": "Evs (Electric Vehicles) Have Cheaper Maintenance But May Cost More To Repair", "body": "When purchasing a vehicle, many consumers overlook maintaining and repairing the car. It is certainly possible to reduce this significant expense by choosing a very reliable vehicle. Still, even the most reliable machines tend to malfunction or need maintenance sooner or later. \nElectric vehicles\n are known to have a higher upfront cost compared to traditional cars. On the other hand, a study found that the maintenance cost of an EV is lower than for an automobile with an internal combustion engine over the long run.\n\n\nWhy Is Evs Cheaper To Maintain\n\n\nBecause \nelectric vehicles\n do not require oxygen sensors, spark plugs, motor oil, or timing belts, they need fewer parts to maintain. Andrew Burnham of the Argonne National Laboratory estimates that fully electric vehicle maintenance is about 40% cheaper than gas-powered vehicles. \u201cElectric vehicles save a substantial amount of money over their lifetime compared to gasoline ones,\u201d he says. In addition, CR survey results show hundreds of thousands of members maintain their EVs or plug-in hybrids for half as much as their gas-powered counterparts. According to CR\u2019s study, an electric car can save consumers an average of RM4,600 in \nmaintenance\n costs.\n\n\nBut Why Is Evs Costlier To Repair\n\n\nDue to the newness of \nEVs\n in the automotive landscape, We Predict found that service centers and mechanics worked longer hours when dealing with \nEVs\n. The reason is that the technology is so new that it takes longer to diagnose problems, let alone fix them. On average, EVs require 1.5 times as many labor hours as traditional vehicles, and the labor rate is 1.3 times higher. Electric cars require additional certifications for \nservice and repair\n that may contribute to the higher rates.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nFinal Thought\n\n\nThere is no doubt that the \u201cindustry in launch\u201d is still ironing out more refined details, which at least temporarily drives up costs. Nevertheless, maintenance costs are helping close the gap: While servicing an EV costs more today, the actual cost of maintaining a battery-powered vehicle is less than half what it costs to keep a \ncar with an internal combustion engine\n. In the first year of owning an electric vehicle, owners spend an average of RM30 on maintenance, while gas-powered car owners spend an average of RM70.\n\n\nAlthough the situation looks short-term, we won\u2019t have more reliable long-term information until EVs have been on the way for a more extended period. The upshot is that EVs will require some extra cash for repairs, but they may be more cost-effective in the long run.\n\n\nTags:\nCar Maintenance\nCar Repair\nElectric Vehicles\nEV\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/05/25/what-financial-assistance-programs-are-available-for-bankrupt-individuals/", "title": "What Financial Assistance Programs Are Available for Bankrupt Individuals?", "body": "If you\u2019ve been declared bankrupt, then, right now, your priority is likely to find the best ways to source as much cash as you can. Along these lines, we\u2019re happy to bring you some good news! The government launched the PEMERKASA aid package in March 2021. It offers \nbankrupt\n Malaysians significant funds and makes these resources more readily accessible! Here\u2019s what you need to know.\n\n\nWhat The PEMERKASA Is Offering (and Who\u2019s Eligible)\n\n\nOnly two groups of people can currently benefit from this government cash aid program. The first group has lost its income source for one reason and falls in the B40 category. People in this group will get a sum of RM 500 under \nPEMERKASA\n. The second group of people eligible for \nfinancial\n aid here are recipients of the Bantuan Prihatin Rakyat (BPR) program and currently earn RM 1 000 or less. In this case, you have the opportunity to claim another RM 500 from the government.\n\n\nEase Of Accessing These Funds\n\n\nAs you may know, the Malaysian government isn\u2019t a stranger to helping people who have been declared \nbankrupt\n. However, the old way of getting the government\u2019s cash aid was cumbersome. The primary reason is that you always had to physically present yourself at a Bank Simpanan Nasional Branch before you could hand in the cash aid. The new \nPEMERKASA\n program makes life a lot more convenient for you as you can receive the money as a direct deposit into your bank account! It eliminates the need to drag yourself to any physical location to secure this assistance.\n\n\nHow The PEMERKASA Program Works\n\n\nYou first need permission from the Malaysian Department of \nInsolvency\n (MDI) to leverage this resource to open an account. But you don\u2019t have to worry; the process isn\u2019t as tasking as it used to be. Now, you have to reach out to the branch handling your case via email and put in a request. In a short time, you will get the request approval. As proof, the MDI will present you with a letter of acceptance. They do most of the work; you only need to show this to your bank, and you\u2019ll be allowed to open an account physically or via their online platform. With that out of the way, you need to wait patiently, and you\u2019ll get your government assistance aid! The best part is you can use every ringgit for your needs here, so there will be no \ndeduction\n towards the payment of any debt!\n\n\nTakeaway\n\n\nNow that you know some of the financial resources you can access from the government don\u2019t waste another moment. Start working towards getting your government cash aid now!\n\n\nTags:\nB40\nBank Simpanan Nasional\nBankruptcy\nBantuan Prihatin Rakyat\nDebt Repayment\nPEMERKASA\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/08/07/how-does-a-motor-policy-protect-you/", "title": "How Does A Motor Policy Protect You?", "body": "Are you planning on purchasing a new car, and you are wondering whether getting a \nmotor policy\n is a smart move? It is not only about \nvehicle insurance being mandatory by the law\n. It is about financial protection and other benefits that come from having a \nmotor policy\n. The primary purpose of acquiring \ncar insurance\n is to secure financial protection if you or your vehicle are \ninvolved in an accident\n. Depending on the plan you choose, you might expect financial protection for the following:\n\n\n\n\nThird-party injury and death claims\n \u2013 your vehicle participated in an accident caused by a third party. If they are to blame, you get financial protection for both \nbodily injuries\n and death.\n\n\nThird-party property damage\n \u2013 did the other party cause damage to your or their vehicle? If that is the case, you can claim against the insurer. Depending on who caused the accident, the claim will be either against your or their insurer.\n\n\nOwn property damage\n \u2013 if your vehicle suffered damage, you can file both no-fault and your fault claims. The degree of \nfinancial\n protection might vary.\n\n\nFire and theft\n claims \u2013 did your vehicle get stolen? Was there a fire or another natural disaster that damaged your car? A motor policy can protect you financially in case this happens.\n\n\n\n\nIf you apply for a \ncar insurance\n plan\n, you can pick between three different extents of cover:\n\n\n\n\nThird-party\n\n\nThird-party, fire, and \ntheft\n\n\nComprehensive\n\n\n\n\n\n\nAdd-On Covers\n\n\nHere are some additional premiums you can add to a motor policy:\n\n\n\n\nLegal liability\n of and to passengers \u2013 what if your passenger or people in the other vehicles sue you for their injuries?\n\n\nAssessed repair time compensation \u2013 you might not be able to use your vehicle for a while, and this should \ncover your expenses\n over that period.\n\n\nWindscreen \u2013 if the windshield breaks, and it was not the result of a road accident.\n\n\nFlood \u2013 if a flood damages your vehicle, this will have you covered.\n\n\n\n\nA Peace of Mind\n\n\nFinally, you can\u2019t put a price on having \npeace of mind\n. It might not be a direct way how a motor policy protects you, but it is crucial. Being aware that you have an \ncar insurance plan\n will help you sleep well at night. That is especially true if you are not the only one driving the vehicle. If an accident occurs, you can rest assured that the \ninsurance\n will cover the repairs necessary. That way, you will ensure that the family doesn\u2019t enter a rough financial patch due to an accident.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nWhat If You Cause an Accident?\n\n\nNobody is perfect, and you might have caused an accident while driving your car. Did a \nmisfortunate\n event cause damage to someone else\u2019s property? If that is the case, having a motor policy might provide some protection mechanism to keep you from losing everything you own over a lawsuit. A \ncomprehensive motor insurance policy\n allows you to make your damage claim against your insurer. If you participated in an accident, it is crucial to stay calm. Once the time to discuss the damage comes, it is not wise to offer payments or settlements immediately. Instead, do everything the law requires you to, such as making a police report or filing an accident notification form to send to the insurer. To \nfile any claim\n as soon as possible, make sure to stay within the deadline specified by the law or your insurance company.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nTags:\nCar Accident\nComprehensive Coverage\nFire and Theft Cover\nFlood\nLegal Liability\nThird-Party Coverage\nWindscreen\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/09/is-auto-insurance-deductible/", "title": "Is Auto Insurance Deductible?", "body": "\n\n\n\nBecause auto insurance is such a crucial and vital part of every vehicle owners\u2019 life, there is a lot to it that remains unknown to the everyday driver. For instance:\n\n\n\n\nIs your \nauto insurance deductible\n?\n\n\nHow does that even work exactly?\n\n\nDo you want to opt for a high \ndeductible\n or a low one?\n\n\nWhat are the factors to consider when picking the best \ndeductible\n option for your auto insurance?\n\n\n\n\nHi there! I\u2019m Jun, and by the time you\u2019re through watching today\u2019s video, you would have a clear insight into one of the most hidden aspects of your \nauto insurance policy\n. After watching this, you will make the best decisions where your auto insurance deductibles are concerned. \nAuto insurance costs\n constitute a major expense for most vehicle owners in the country. Finding out all you can about your vehicle insurance usually goes a long way in helping you make better use of every precious Ringgit. This is where the Insurance360 Video Series comes in! As one of the foremost experts in \nauto insurance in Malaysia\n today, we regularly unveil helpful tips so Malaysian drivers can easily handle their vehicle insurance policies better! All you have to do to get in on the action is Like this video, Subscribe to our channel, and don\u2019t forget to set up notifications. That way, you won\u2019t miss any of our awesome updates! If you\u2019ve done that already, just keep watching!\n\n\nCompare and renew car insurance\n\n\nWhat Exactly Is a Deductible?\n\n\nIn essence, a deductible is the portion of your car repair expenses that you have to cover out-of-pocket before your insurance policy kicks in and your insurer covers the rest. Before moving forward, keep in mind that the kind of deductible you get with your auto insurance is somewhat different from what you get with other types of insurance. For instance, your deductible isn\u2019t paid annually with auto insurance. Usually, you have to pay a deductible only after you must\u2019ve filed a claim for a payout. By inference, you only pay a deductible after your vehicle must have suffered an accident or damage of some sort. So, if, for example, your deductible is 1, 000 Ringgit and your vehicle has suffered damage worth 10 000 Ringgit, you would have to personally put down 1 000 Ringgit before your \ninsurer covers\n the remaining 9, 000 Ringgit.\n\n\nThis means that if your car suffered damage worth only 800 Ringgit, you would have to cover all the expenses out-of-pocket because it falls under your deductible. Of course, this is restricted to only vehicle owners with a \nThird Party\n, Fire, and Theft or a Comprehensive policy. As a vehicle owner, you can choose to have either a high or low deductible when taking out your policy. With a higher deductible, your \ncar insurance rate\n is automatically lower. However, what you will have to pay out-of-pocket will be much higher. Inversely, with a lower deductible, your \nauto insurance rate\n is higher and comes with a lower out-of-pocket cost. When choosing your deductible, it is always helpful to factor in your vehicle\u2019s overall cost and the likelihood of your \nfiling a claim\n.\n\n\nIf you need more help figuring out your \nauto insurance deductible\n, don\u2019t hesitate to leave us a comment down below! Be sure to Like and Subscribe to our channel, and enable notifications too! Catch you in our next video!\n\n\nTags:\nAccidental Damage\nAccidents\nDeductible\nFire and Theft Cover\nInsurance Deductible\nThird Party Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/02/when-is-the-best-time-to-purchase-a-travel-insurance/", "title": "When Is The Best Time To Purchase A Travel Insurance Plan To Protect Your Trip?", "body": "Think about it. Your trip was planned early, paid for, and you shopped around for \ntravel insurance\n. You decided to wait before buying a plan, thinking you had plenty of time before you left. Then, when you attempt to purchase an insurance policy to help protect your trip, you realize that you can no longer qualify for coverage because of your preexisting medical condition! A key factor to avoiding such a situation is timing when to purchase travel insurance. To maximize your \ncoverage\n, you need to understand some time-sensitive aspects of \ntravel insurance\n plans.\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nTravel Insurance Is Best Purchased Immediately\n\n\nTake the example of going on a Rhine river cruise to see the famous Christmas markets of France and Germany. It is required that you book the cruise, any excursions, your airfare, and your hotel for two extra days in Zurich post-cruise. As soon as you\u2019ve nailed down all those arrangements, you\u2019ll know your total pre-paid trip costs \u2013 and then you\u2019re in a great position to \npurchase travel insurance\n. Why? If you \npurchase travel insurance\n with cancellation and interruption benefits, your total travel costs are needed for an accurate quote. In this way, it will safeguard all of your travel costs. It\u2019s a good idea to buy travel insurance as soon as you book your trip for two reasons. The first is that you won\u2019t forget! There are vast numbers of travelers who postpone buying travel insurance before they realize after it is too late how foolish they were.\n\n\nSecond, the sooner you buy \ninsurance\n, the larger the window of coverage you have. For example, if you cancel your trip or \nfile a claim\n before receiving your premium, the cancellation benefits begin on your plan\u2019s effective date. So the more early you order insurance, the sooner you will be covered. Therefore, if you have already booked your flight, don\u2019t wait! \nRequest a travel insurance quote today\n from Fincrew. If you have not bought travel insurance yet, the second-best time is 14 days of submitting your first payment. When you purchase travel insurance, the 14-day mark is crucial because it will cover your existing medical conditions. Several of our plans cover this benefit, meaning that you, your traveling companion, or a family member can have a medical condition and still qualify for all applicable benefits and assistance.\n\n\nWhat if you cannot figure out the total cost of your trip in the next 14 days after making your first deposit? No problem! You don\u2019t have to wait. Instead, you should purchase travel insurance within that 14-day window, making sure you select a plan that includes coverage for existing medical conditions.\n\n\nLast Minute Travel Insurance\n\n\nTravel plans aren\u2019t always meticulous. Even though many of us tend to book our hotels and flights months in advance, making sure each detail is in place well before our trip, there\u2019s no denying that some trips don\u2019t work out that way. There are times when unexpected travel opportunities come our way \u2013 whether out of pure spontaneity or for a more serious reason that requires us to make quick arrangements. Although the planning period has to be cut considerably, that doesn\u2019t mean travelers should be any less proactive about buying last-minute travel insurance if something goes wrong. We often remind travelers to purchase their travel insurance as soon as their first deposit is made so that they can \ntake advantage of all the benefits\n and options available.\n\n\nFinal Thought\n\n\nWhen booking your trip and boarding the flight for your vacation, a lot can go wrong. However, a travel insurance plan purchased at the same time as your first booking ensures that you\u2019re covered for any unforeseeable events and helps you realize why you\u2019re buying it in the first place.\n\n\nTags:\nPre-Departure Travel Insurance\nPre-Existing Medical Condition\nTravel Insurance\nTravel Insurance Benefits\nTrip Cancellation\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/01/16/things-to-do-before-renewing-your-car-insurance-policy/", "title": "Things To Do Before Renewing Your Car Insurance Policy", "body": "As a Malaysian driver, you\u2019re most likely already quite familiar with the concept of car insurance policies. Since having valid \ninsurance\n coverage is a crucial part of driving and regular drivers can\u2019t possibly know all there is to know about their policy all at once, it is very important you stay apprised of any new developments, insurance-wise. By and large, from the moment you sign on to take a specific \ncar insurance policy\n, the package kicks in and remains active and functional for the agreed duration of time. During this time, you can\u2019t review or make amendments to the workings of the \ncar insurance policy\n. The only time you are given free rein to adjust that policy is when it has expired/ almost expired, and it\u2019s up for renewal. The process of renewing your policy is a very delicate one because the moment you do so. Once again, you can\u2019t change anything until the next renewal stage. That is all the more reason why you should be on top of your game so you can make the smartest decisions for yourself financially.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nDuring the process of renewal, you can improve the quality of service you get from your insurer through any number of ways. With that in mind, we have highlighted three important things to do before finalizing the process of renewing that car insurance policy. The sole purpose of this is to help you get the most value for your insurance. Here goes:\n\n\nStep 1\u2013 Review Your Options\n\n\nThe fact that your insurance agency and the policy you\u2019re right now were the best for you when you took out the policy initially, doesn\u2019t in any way indicate that they\u2019re the best choice for you now. Before entering into another long term commitment, take a while to survey the lay of the land. A lot of might have changed since last you took out your policy. In addition, review as many insurance policies and agencies as you can. Broaden your scope. Weigh each of those policies on as many scales and standards as you can. Look beyond how attractive the premium value looks and pick what\u2019ll work best for you.\n\n\nStep 2\u2013Check Your Renewal Notice And Ensure Timely Renewal\n\n\nIt\u2019s certainly easy to go shopping for the best \ninsurance rates\n and services and forget you\u2019re on the clock. For example, review the \nrenewal notice you receive from your insurer\n thoroughly. It is usually a detailed document that contains all the information about the policy that\u2019s going to expire. On occasion, it might contain discrepancies. Make sure you review it at length and point your insurer towards any red flags you spot, so they can fix it in time for your \npolicy renewal\n. Don\u2019t forget you\u2019re on a clock. There\u2019s a renewal deadline that incurs sanctions, should you fail to meet it. So don\u2019t delay unduly! Through it, all, don\u2019t forget these basics.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nStep 3\u2013Review Your Coverage\n\n\nAs we mentioned earlier, things change. Your insurer might\u2019ve upgraded or downgraded certain services. Now would be the best time to go over \ncoverage terms\n, make the necessary amendments and initiate it to take effect upon your \npolicy renewal\n. Once you\u2019ve done this and you\u2019ve dealt with every other aspect to your satisfaction, you can then proceed to make your declaration!\n\n\nTags:\nCoverage\nInsurance Policy\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/03/15/understand-professional-liability-insurance/", "title": "Understand Professional Liability Insurance", "body": "Professional liability\n is a type of insurance that covers you if a client files a claim against you due to a mistake or a nasty piece of advice. \nProfessional liability\n insurance is generally recommended for anyone providing services to clients.\n\n\nUnderstanding Professional Liability Insurance\n\n\nYour professional liability insurance protects your business against lawsuits arising from advice or services you offer. However, if you provide professional services to a customer, client, or another party, you risk being sued because of negligence, error, or omission on your part. In general, \nprofessional liability insurance\n is not part of homeowners insurance, business owners\u2019 insurance, and in-home business policies. This insurance type pays for the cost of your defense and any damage awards. \nProfessional liability insurance\n should cover individuals in professions that provide expert advice, recommendations, or a professional service to clients, customers, or other parties. \nInsurance companies\n have developed a variety of specialized forms of insurance to address the risks of particular professions and services, including:\n\n\n\n\nAccountants\n\n\nArchitects\n\n\nAttorneys\n\n\nEngineers\n\n\nProviders of health care services\n\n\nFinancial\n Services and Banking Firms\n\n\nCompanies in the technology industry\n\n\n\n\nAs part of some professional liability policies, computer security and privacy breaches are also covered. Losses of this type are not limited to high-tech companies. Many companies consider their \nexposures\n to be primarily a result of manufacturing or selling products. Still, they are pretty surprised when they discover that outsourcing, online commerce, and intellectual property issues expose them to professional liability risks as well. Due to their complexity, a high degree of expert scrutiny is required to identify and quantify professional liability risks.\n\n\nWhat Are The Common Types Of Claims Made And Their Benefits?\n\n\nHere are a few typical examples of claims-made coverage:\n\n\n\n\nFraudulent legal activity\n\n\nFraudulent medical practices\n\n\nEPLI (employment practices liability insurance)\n\n\nFraudulent acts or omissions by brokers\n\n\ndirectors and officers liability\n\n\nLiability for media\n\n\nCybersecurity \u2013 includes data breaches and data protection\n\n\n\n\nIf you have claims-made coverage, you will be able to \nlower your premiums\n and get coverage for acts and omissions that occurred before the policy began. Among the benefits for the insurer is a greater underwriting risk that allows them to lower prices.\n\n\nThe Wording Of a Professional Liability Policy\n\n\nProfessional liability policies are different depending on the company. In several cases, policy wordings are designed to meet a stated minimum requirement, making them easier to compare, but the coverage they provide differs substantially in other cases. It would include a breach of duty if the policyholder reported the incident to the insurer during the policy period. Non-lawyers may find it difficult to distinguish between legal terms with significant differences. For example, \u201c\nnegligent act\n, error, or omission\u201d indemnifies policyholders against loss/circumstances arising solely from professional errors or omissions. However, a more restrictive policy denies coverage to a lawsuit alleging negligent acts, negligence errors, or negligence omissions.\n\n\nProfessional Liability Insurance Example\n\n\nProfessional liability insurance includes, among other things, medical malpractice insurance. Professionals in the medical field face the not inconsiderable threat of lawsuits for alleged malpractice, which is a medical provider\u2019s act or omission that results in patient injury or death. Medical malpractice insurance can help providers offset the cost of such lawsuits, even though most medical malpractice cases are treated as civil torts.\n\n\nTags:\nMedical Malpractice Insurance\nProfessional Liability\nProfessional Liability Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/12/28/%e6%b2%a1%e6%9c%89%e8%bd%a6%e5%8f%af%e4%bb%a5%e4%b9%b0%e4%bf%9d%e9%99%a9%e5%90%97/", "title": "\u6ca1\u6709\u8f66\uff0c\u53ef\u4ee5\u4e70\u4fdd\u9669\u5417\uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u5728\u524d\u51e0\u96c6\u89c6\u9891\uff0c\u6211\u4eec\u90fd\u4e86\u89e3\u5f88\u591a\u5173\u4e8e\u6c7d\u8f66\n\u4fdd\u9669\n\u7684\u54a8\u8be2\uff0c\u4e5f\u660e\u767d\u8d2d\u4e70\u8f66\u9669\u7684\u597d\u5904\u3002\u90a3\u4e48\uff0c\u4f60\u53ef\u80fd\u4f1a\u95ee\uff0c\u5982\u679c\u6ca1\u6c7d\u8f66\uff0c\u6211\u4e5f\u80fd\n\u8d2d\u4e70\u4fdd\u9669\n\u5417\uff1f\u6211\u4e5f\u9700\u8981\u5417\uff1f\u6ca1\u6709\u4eba\u80fd\u9884\u77e5\u672a\u6765\uff0c\n\u8d2d\u4e70\u4fdd\u9669\n\u662f\u4e3a\u4e86\u505a\u4fdd\u969c\u672a\u6765\uff0c\u672a\u96e8\u7ef8\u7f2a\uff0c\u4ee5\u9632\u4e07\u4e00\u3002 \u6240\u4ee5\u4eca\u5929\u6211\u4eec\u5c31\u6765\u7b80\u5355\u4ecb\u7ecd\u4e00\u4e0b\uff0c\u9a6c\u6765\u897f\u4e9a\u6700\u5e38\u89c1\u7684\n\u4fdd\u9669\n\u3002\n\n\n\u7b2c\u4e00\u3001\u4eba\u5bff\u4fdd\u9669 \uff08Life insurance\uff09\n\n\n\u5c31\u662f\u4e3a\u4e86\u4f60\u63d0\u4f9b\u6b7b\u4ea1\u3001\u5b8c\u5168\u6216\u662f\u6c38\u4e45\u6b8b\u969c\u7684\u4fdd\u969c\u3002\u6211\u4eec\u6c38\u8fdc\u4e0d\u4f1a\u77e5\u9053\u4ec0\u4e48\u65f6\u5019\u4f1a\u53d1\u751f\u610f\u5916\u4e8b\u6545\uff0c\u6216\u662f\u9047\u4e0a\u81ea\u7136\u707e\u5bb3\uff0c \u53c8\u6216\u662f\u5404\u79cd\u5a01\u80c1\u7740\u6211\u4eec\u751f\u547d\u7684\u60c5\u51b5\u3002\u4eba\u5bff\u4fdd\u9669\u7684\u7528\u610f\u5c31\u662f\u5728\u4e0d\u5e78\u7684\u4e8b\u60c5\u964d\u4e34\u5728\u6211\u4eec\u7684\u8eab\u4e0a\u540e\uff0c\u63d0\u4f9b\u4fdd\u9669\u4eba\u548c\u88ab\u4fdd\u4eba\u7684\u5bb6\u4eba\u7ecf\u6d4e\u4e0a\u7684\u635f\u5931\u3002\u4eba\u5bff\u4fdd\u9669\u53ef\u4ee5\u4e3a\u4f60\u89e3\u51b3\u517b\u8001\u3001\u533b\u7597\u3001\u610f\u5916\u4e8b\u6545\u7b49\u5404\u7c7b\u578b\u98ce\u9669\u7684\u4fdd\u969c\u3002 \u56e0\u6b64\uff0c\u8bb8\u591a\u4e86\u89e3\u4eba\u5bff\u4fdd\u9669\u597d\u5904\u7684\u5e74\u8f7b\u4eba\uff0c\u90fd\u4e3a\u81ea\u5df1\u5bfb\u627e\u4e00\u4efd\u9002\u5408\u7684\u4eba\u5bff\u4fdd\u9669\uff0c\u4ee5\u4e3a\u81ea\u5df1\u7684\u8001\u5e74\u505a\u51c6\u5907\u3002\u6bcf\u5bb6\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u4e0d\u540c\u7c7b\u578b\u4eba\u5bff\u4fdd\u9669\u914d\u5957\uff0c\u4f60\u53ef\u4f9d\u636e\u672c\u8eab\u7684\u6d88\u8d39\u80fd\u529b\u8d2d\u4e70\u9002\u5408\u7684\u4eba\u5bff\u4fdd\u9669\u3002\n\n\n\u7b2c\u4e8c\u3001\u533b\u7597\u4fdd\u9669\uff08Health Insurance\uff09\n\n\n\u5c31\u662f\u4e00\u4e2a\u4e3a\u4f60\u5206\u62c5\u533b\u7597\u8d39\u7528\u7684\u4fdd\u969c\u3002 \u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u6211\u4eec\u6709\u653f\u5e9c\u548c\u79c1\u4eba\u533b\u9662\u3002\u5982\u679c\u75c5\u4eba\u5728\u653f\u5e9c\u533b\u9662\u5c31\u533b\uff0c\u533b\u7597\u8d39\u7528\u4f1a\u6bd4\u5728\u79c1\u4eba\u533b\u9662\u4fbf\u5b9c\u8bb8\u591a\u3002\u5c3d\u7ba1\u653f\u5e9c\u533b\u9662\u7684\u533b\u7597\u8d39\u6bd4\u8f83\u4f4e\uff0c\u4f46\u662f\u8bb8\u591a\u4eba\u8fd8\u662f\u6bd4\u8f83\u559c\u6b22\u5230\u79c1\u4eba\u533b\u9662\u5c31\u533b\u3002 \u8fd9\u662f\u56e0\u4e3a\u79c1\u4eba\u533b\u9662\u7684\u533b\u62a4\u4eba\u5458\u548c\u75c5\u4eba\u6bd4\u4f8b\u6781\u597d\u3001\u7b49\u5f85\u65f6\u95f4\u8f83\u77ed\u3001\u66f4\u597d\u8bbe\u5907\u7b49\u3002\u56e0\u6b64\uff0c\u79c1\u4eba\u533b\u9662\u7684\u533b\u7597\u8d39\u4e5f\u76f8\u5bf9\u4e8e\u7684\u6bd4\u8f83\u9ad8\u3002\u5047\u8bbe\u4eca\u5929\uff0c\u4f60\u62e5\u6709\u533b\u7597\u4fdd\u9669\uff0c\u5f53\u4f60\u5165\u4f4f\u79c1\u4eba\u533b\u9662\u65f6\uff0c\u4f60\u65e0\u9700\u5148\u7f34\u4ed8\u73b0\u91d1\uff0c\u4f60\u53ea\u9700\u51ed\u7740\u533b\u7597\u5361\u5165\u9662\uff0c\u5f85\u4f60\u51fa\u9662\uff0c\u4f60\u7684\u4fdd\u9669\u516c\u53f8\u4e3a\u4f60\u627f\u62c5\u8d39\u7528\u3002\u4f46\u662f\u5982\u679c\u8d39\u7528\u8d85\u51fa\uff0c\u4f60\u53ea\u9700\u8981\u652f\u4ed8\u8d85\u51fa\u7684\u8d39\u7528\u3002\n\n\n\u7b2c\u4e09\u3001\u623f\u5c4b\u4fdd\u9669 \uff08Home Insurance\uff09\n\n\n\u5c31\u662f\u6307\u5c4b\u4e3b\u4e3a\u81ea\u5df1\u7684\u623f\u5b50\u8d2d\u4e70\u4fdd\u9669\uff0c \u8fd9\u662f\u4e00\u4e2a\u57fa\u672c\u7684\u4fdd\u9669\uff0c\u5c31\u50cf\u6211\u4eec\u7684\u8f66\u9669\u4e00\u6837\u3002 \u4e3b\u8981\u662f\u4e3a\u4e86\u4fdd\u969c\u5c4b\u4e3b\u5728\u5c4b\u5b50\u53d1\u751f\u610f\u60f3\u4e0d\u5230\u7684\u610f\u5916\u6216\u662f\u706b\u707e\u7b49\uff0c\u53ef\u4ee5\u5411\u4fdd\u9669\u516c\u53f8\u7406\u8d54\u6765\u964d\u4f4e\u4e8b\u6545\u53d1\u751f\u540e\u7684\u8d22\u4ea7\u635f\u5931\u3002 \u5728\u4f60\u8d2d\u4e70\u4f60\u7684\u623f\u5c4b\u4fdd\u9669\u524d\uff0c\u8bb0\u5f97\u4e00\u5b9a\u8981\u770b\u623f\u5c4b\u4fdd\u9669\u914d\u5957\u7684\u8986\u76d6\u8303\u56f4\uff0c\u56e0\u4e3a\u4e00\u822c\u4e0a\u7684\u4fdd\u9669\u8303\u56f4\u53ea\u542b\u623f\u5c4b\u7684\u5efa\u7b51\u7ed3\u6784\uff0c\u5e76\u4e0d\u5305\u62ec\u5c4b\u5185\u7684\u8d22\u4ea7\u3002\u56e0\u6b64\uff0c\u5982\u679c\u4f60\u4e5f\u60f3\u8981\u4e3a\u5c4b\u5185\u8d22\u4ea7\u6295\u4fdd\uff0c\u53ef\u4ee5\u8be2\u95ee\u4f60\u7684\u4fdd\u9669\u516c\u63d0\u4f9b\u4e00\u4e9b\u9644\u52a0\u4fdd\u9669\u9009\u9879\u3002\n\n\n\u5e0c\u671b\u901a\u8fc7\u4eca\u5929\u89c6\u9891\uff0c\u4f60\u4e86\u89e3\u4e86\u4e0d\u540c\u7c7b\u578b\u7684\u4fdd\u9669\u3002\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\nTags:\n\u4fdd\u9669\n\u4fdd\u9669\u516c\u53f8\n\u5408\u6027\u4fdd\u9669\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/09/29/adding-a-non-family-member-as-a-car-insurance-liability/", "title": "Adding a Non-Family Member As a Car Insurance Liability", "body": "\n\nHaving solid, all-around \nfinancial\n protection for your automobile is an intelligent play under any circumstance. It means you want to make sure that your car is fully insured, regardless of who is driving it, how, and when. But that being said, how do you go about achieving this exactly? What does the rule book say about adding someone who isn\u2019t an immediate member of your family to your policy? What are the relevant things you should know about this process?\n\n\nSo, ever wondered if you can add a non-family member to your \nauto coverage\n policy? Short answer; Yes, you can! It\u2019s effortless too! What\u2019s more, most times, it is even in your best interest that you do this!\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nSadly, many vehicle owners aren\u2019t aware of this little fact. One possible reason for this may be the common misconception that auto insurers follow the driver. In reality, your insurer follows the car, not the driver. What matters most to your car insurance provider is the type of person behind the wheel of your car and the driving history that they have managed to accrue. How you know the person or people in question is actually of little consequence. However, where things become a little more complicated is determining when to add the non-family member. For the most part, you are okay with letting a friend or colleague drive your car once or twice every few months without adding them to your \npolicy\n. However, adding that friend or neighbor takes on a greater level of importance if you let them have your car with any measure of frequency. It is only reasonable as the more often they drive your vehicle, the higher the chances of an accident.\n\n\nWith this in mind, all you need to do to get that non-family member on your \npolicy\n is reach out to your insurer and inform them that you would like to add someone. Of course, this would lead to your \ncar insurance rates\n being reviewed. If the person has a worse driving record than you do, you can expect to start paying more for \ncar insurance\n. If the person\u2019s driving record is better than yours, your rates might be reviewed downwards. And with this, you\u2019re ready to add anyone to your \ncar insurance\n!\n\n\n\u00a0\n\n\nTags:\nCar Insurance\nInsurance Policy\nLegal Liability\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/07/importance-of-risk-management-in-insurance/", "title": "Importance Of Risk Management In Insurance", "body": "Risk management\n in insurance involves analyzing and quantifying the changes and associated financial impacts of events occurring in a customer\u2019s world and potentially requiring settlement by the insurer and then spreading the risk across multiple insurers in the market. The practice of identifying potential risks, analyzing them, and reducing the risk is called \nrisk management\n in insurance. Risk management is primarily concerned with identifying potential threats before they occur to mitigate the adverse impact to achieving project objectives. Consider numerous risk factors into account during a project\u2019s lifecycle. Doing so can protect a project from potentially harmful environmental, cultural, \nfinancial\n, or other risks. Risk management ensures a smooth flow of projects to maximize profitability and productivity. There are five steps to the \nrisk management process\n. Together, these steps deliver a practical and straightforward \nrisk management process\n. In brief, they are as follows;\n\n\nRisk Identification\n\n\nThe process involves identifying, uncovering, and describing the risk factors that could impact a project. In this stage, use several techniques to identify potential risks and prepare a project risk register.\n\n\nRisk Analysis\n\n\nFollowing the identification steps, this is the next step. Risk analysis involves identifying how the risks registered might affect the project\u2019s goals and objectives.\n\n\nRisk Evaluation\n\n\nIt helps to determine the likelihood, magnitude, and consequences that risk may have on a project. In addition, it helps to assess which chances are severe enough to justify treatment.\n\n\nRisk Treatment\n\n\nDeveloping a risk response plan is an \nessential step\n in the process. It is the stage at which an organization can assess the highest rated risks and decide what treatment method to use to achieve acceptable levels of risk. Furthermore, it assists in creating strategic mitigation strategies, prevention plans, and contingency plans. Consequently, this minimizes risk \nexposures\n and negative consequences.\n\n\nMonitoring And Review\n\n\nUse a risk register which you developed in your earlier risk management steps. Risks can be monitored, tracked, and reviewed in this way. Putting a framework around it reduces project risk in most cases because the risk is all about uncertainty. Managing risk helps prevent problems from occurring. By doing so, they can avoid impulsive reactions to problems encountered during a project. As a result, stakeholders and project teams are happier. \nInsurance involves risks\n between an individual or entity and the insurer. To maximize their performance, insurance companies must therefore develop a very robust and elaborate risk management policy. It helps insurers develop a solid and effective risk management strategy. An insurance company evaluates a company\u2019s risk management processes in five key areas:\n\n\nRisk Management Culture\n\n\nIt refers to considering the extent to which risk and risk management in all areas of corporate decision-making. An effective risk management program encompasses the policy aspect. Furthermore, it aids in determining the company\u2019s philosophy regarding risk, its appetite for risk, and the governance and organizational structure of its risk management procedures.\n\n\nRisk Control\n\n\nInsurance companies\n use some form of assessment to determine the importance of the insurer as far as credit, market, insurance, and operational risks are concerned. They can evaluate an entity\u2019s quality risk management, risk monitoring, and limits for retained risks.\n\n\nExtreme Event Management\n\n\nThe process includes analyzing crisis scenarios and performing stress tests to visualize the possible impact of disasters. It enables you to assess the potential company\u2019s reputation, liquidity, and financial strength.\n\n\nRisk And Capital Models\n\n\nMost credit, market, and insurance organizations do not have easy access to information about their level of risk exposure from their accounting systems. In light of this, these organizations are charged with monitoring, controlling, and managing risk exposures, indicative, predictive, and sensitivity risk measures.\n\n\nStrategic Risk Management\n\n\nIt refers to the risks associated with the changing technological processes. Therefore, a company should create an action plan to consider risks that may disrupt operations due to technological shifts.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nTags:\nRisk Analysis\nRisk Evaluation\nRisk Identification\nRisk Management\nRisk Management Culture\nRisk Treatment\nStrategic Risk Management\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/01/07/3-insurance-plans-to-protect-yourself-as-you-age/", "title": "3 Insurance Plans To Protect Yourself As You Age", "body": "The importance of insurance is well known to many of us. How soon you decide to purchase insurance is also essential. As you age, your insurance costs and abilities change significantly. Since you will probably be sick more frequently as you age, you will also likely have more health issues. It is why insurance isn\u2019t a guaranteed option at any moment. Being sick may also prevent you from buying insurance quickly due to \nexclusions\n and higher premiums. Is there any \ninsurance\n you need to consider to ensure your protection when you age? Below are the top 3 \ninsurance plans\n you may want to consider:\n\n\nHospitalization/Medical Card\n\n\nThe last thing to worry about is if high medical bills could lead to bankruptcy in the event of illness, an accident, or injury. A hospitalization policy or a medical card will cover your medical expenses from illnesses or damages covered by the policy. Also, you may be able to pay for expensive private hospitals if you prefer to use them. In addition, you may choose to add hospital income, which provides you with a daily allowance while confined. \nMedical and hospitalization insurance\n costs are usually between RM33 a month and RM340 a month, depending on the limits and coverage chosen.\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nLife Insurance\n\n\nIf you have this, you will receive a lump sum payout upon death and cover any final expenses you may have. You can also use your \nlife insurance\n policy to pay off any loans you have taken after you pass away, allowing you to keep providing for your loved ones.\n\n\nLife insurance comes in three forms:\n\n\n\n\nTerm Insurance\n\n\nWhole life insurance\n\n\nInvestment-linked whole life insurance\n\n\n\n\nThe following table below explains the differences between these forms of life insurance.\n\n\n\n\nTerm Life Insurance\n\n\nWhole life insurance\n\n\nInvestment-linked whole life insurance\n\n\n\n\nIt is one of the most popular \nlife insurance\n in Malaysia. Providing only a limited coverage period is appropriate if you have young children you wish to protect until they can handle their own needs. Shorter coverage periods result in lower premiums, making it more affordable than other types of \nlife insurance\n. It provides coverage for your whole life along with a savings component. You can withdraw the savings or use them to pay your future premiums whenever you need them. It costs more than term life insurance for the same level of coverage for an investment-linked policy combined with a whole life policy. Depending on the performance of your investment product, you may receive part of your payout. Typically more expensive than term or whole life insurance.\n\n\nHave a peace of mind for your next holiday with travel insurance\n\n\nCritical Illness\n\n\nYou will receive a lump-sum payout under a \ncritical illness\n policy if you have a diagnosis that could kill you. A condition may be a stroke, \nheart attack\n, cancer, or organ failure\u2014payouts from this type of insurance cover medical expenses. This type is also to recoup income. The \nreplacement of income\n is crucial if you are the sole breadwinner of your family or if they depend financially on you. Critical illness can have lasting effects that affect your ability to work. Your health typically determines an illness insurance premium when you sign up, as well as how many illnesses the plan covers and its benefits. Plans can start as low as RM10 per month to cover three diseases.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nHow Do You Buy Insurance?\n\n\nWhen \nbuying insurance\n, you\u2019ll usually need to follow these steps:\n\n\n\n\nContact Fincrew to find a plan that suits your budget and needs. It is also a good idea to compare insurance policies to get the best coverage for your budget.\n\n\nOnce you have chosen a plan, the staff will guide you through the application process. If you have a medical or family history, you might need a medical check-up. You\u2019ll be able to get the coverage you want and pay the premium you need based on the results of your check-up.\n\n\nWhen you sign up, you will need to pay your first premium. After that, you\u2019ll have to pay monthly or annual premiums.\n\n\n\n\nAre You Prepared To Protect Your Ageing Self?\n\n\nBefore choosing an insurance plan, you should balance your insurance costs with your monthly or yearly budget and other \nfinancial\n goals. In the end, insurance financially protects you and your family in medical emergencies. Therefore, you should obtain at least a basic \ninsurance plans\n now that can ease your financial burdens in the future.\n\n\nTags:\nCritical Illness\nLife Insurance\nMedical Card\nTerm Life Insurance\nWhole Life insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/11/04/is-robo-advisor-suitable-for-beginner-investors/", "title": "Is Robo Advisor Suitable For Beginner Investors?", "body": "A recent trend in financial advising is the growth of \nRobo advisors\n. As people see the benefits of having a computer algorithm manage their money instead of a financial advisor, they\u2019re warming to the idea. Many investors are young, which is not surprising, and young investors tend to be computer savvy and love technology. As a result, brokerage firms and \nfinancial\n firms target Millennials, Generation X, and Generation Y.\n\n\nWhat Is a Robo Advisor?\n\n\nConsidering that bots are brand new to the investing world, you might still wonder what a \nRobo advisor\n is. A \nRobo advisor\n provides you with investment management by using computer algorithms to create your portfolio according to your objectives and risk tolerance. In addition, since \nRobo advisors\n handle portfolio management via software rather than by a financial advisor, the fees are lower, which translates into higher long-term returns. Robo advisors typically require clients to take a test to determine their risk tolerance and financial goals before joining. Then, the computer will choose how to manage your money depending on your age, income, and savings.\n\n\nRobo Advisors: How Do They Help Beginner Investors?\n\n\nRobo advisors can provide beginners with a streamlined, cost-effective way to build and manage their investment portfolios. They automatically created, operated, and maintained their portfolio by automated investment services based on parameters that investors set. Getting registered takes just a few minutes and requires only personal information such as name, birth date, current address, and social security number. Any financial information is not required. There is no pressure on you if you do not feel comfortable with that part of the process.\n\n\nUpon enrollment, you can access other devices such as discussion boards and chat rooms. Other investors can ask questions about their investments, and advisors will immediately respond to their questions. This community aspect allows you to stay on track towards meeting your goals while having peer support.\n\n\nYour Goals Are Taken Into Account By Robot Advisors\n\n\nRobo advisors gather data from their clients about their financial status and future goals using an online questionnaire and use that information to make investment decisions on behalf of their clients. In general, robot advisors are very efficient since they can manage investments much cheaper than traditional investment professionals, who usually charge based on the number of assets they manage. Robot advisors provide the following services:\n\n\n\n\nCreating an account is simple\n\n\nDeveloping strong goals\n\n\nManagement of portfolios\n\n\nFeatures that help protect your data\n\n\nCustomer service that pays attention\n\n\n\n\nThere is no shortage of \nRobo advisors\n available today, most of which offer low to moderate fees and diversified portfolios based on index funds or exchange-traded funds (ETFs). For those looking for simple financial planning, some services also provide account rebalancing, tax-loss harvesting, and goal setting for their clients, making them a good choice for those seeking tax-loss harvesting.\n\n\nConclusion\n\n\nIt may be worthwhile to consider a Robo advisor if you are interested in investing but want to avoid managing your portfolio. The use of these products is straightforward, and no ongoing management is needed. \nRobo advisors\n have a free investment calculator online that they can help you use if this sounds like something that might interest you. After a few minutes of work, you will receive a recommendation about which type of account is best for your needs and how much risk the Robo advisor should take when investing money on your behalf.\n\n\nTags:\nExchange Traded Funds\nFinancial Advisor\nInvestment\nRobo Advisor\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/01/01/total-permanent-disability-in-insurance-benefits-explained/", "title": "Total Permanent Disability In Insurance Benefits Explained", "body": "Many unpredictable events in life, such as accidents, medical emergencies, etc., can significantly impact one\u2019s life. These situations can be challenging if you are the sole breadwinner and are now incapable of supporting your family financially. In such a situation, \nTotal Permanent Disability\n (TPD) insurance may prove to be beneficial to you.\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nWhat Is Total Permanent Disability Insurance?\n\n\nThe term \u201ctotal permanent disability\u201d (TPD) refers to a condition in which a person cannot work due to injuries. \nTotal permanent disability\n describes a condition that prevents the individual from working again.\n\n\nWhat Total Permanent Disability Insurance Covers\n\n\nThe purpose of \nTPD benefits\n is to pay out a lump sum if you become totally and permanently disabled. There are different definitions of what is meant by \u201ctotally and permanently disabled\u201d by each insurer. You may be covered for either:\n\n\n\n\nYou cannot return to your occupation \u2013 you cannot do the job you did before your disability.\n\n\nYou are not allowed to work in any occupation that fits your education, training, or experience. The plan is cheaper, but the \nclaim\n threshold is higher, so the chances of it paying out are lower.\n\n\n\n\nHow Does It Work?\n\n\nWhen policyholders become permanently disabled, they will be entitled to the entire sum assured, depending on the policy terms. You receive a short-term loss of income from your insurance sum if you temporarily cannot work. The nature of an insured\u2019s disability influences totals of disability coverage. Here are some examples of full disability coverage:\n\n\n\n\nA total or irrecoverable loss of vision in both eyes.\n\n\nTotal or irrecoverable loss of both ears\u2019 hearing and speech.\n\n\nA complete or irreversible loss of speech and a loss of one limb or one eye.\n\n\nThe loss of sight in either eye and a limb is irrecoverable.\n\n\nThe loss of both hands or feet due to physical separation.\n\n\nLoss of both hands or feet due to physical separation or total and permanent loss of use.\n\n\nIncapacity to hear in both ears and see in one eye or lose a limb.\n\n\n\n\nBenefits of Choosing Total Permanent Disability Insurance\n\n\nThe \ninsurance companies\n categorize disability as temporary or permanent and pay out benefits based on the condition. For example, if curative treatment is available, a person will not be eligible for \nTPD benefits\n. The policyholder may be excluded if they retire or resign for any reason other than illness or injury. Here are some benefits of total and permanent disability insurance:\n\n\nA Standard Lifestyle And Financial Security\n\n\nA total permanent disability policy offers financial security to you and your family should you become unable to work due to an accident. As a result, your basic needs can be met and the standard of living maintained. Claim amounts are typically calculated as a percentage of the average wage of the policyholder.\n\n\nBills For Medical Care Reimbursed\n\n\nWhen a person is bedridden or ill, they will incur medical bills. An assured sum may help pay out medical bills and treatment charges.\n\n\nEducation Of Children Is Not Hindered\n\n\nWhen you cannot earn a living, paying your children\u2019s school/tuition fees can be challenging. However, due to TPD, you will be able to continue your children\u2019s education without any hindrances.\n\n\nChoosing The Right Insurance Policy For Your Needs\n\n\nLifestyle Needs\n\n\nYour standard of living could be affected if you suffer a permanent disability due to a mishap. To decide how much to insure, consider how much money you would need to maintain your current standard of living.\n\n\nDisability Types\n\n\nSome disability health \ninsurance\n plans do not cover everything. You may need a program specifically designed for the conditions you may be at the highest risk. The cost of a broad-based insurance plan may be higher, but you are covered for any situation.\n\n\nTerms And Conditions\n\n\nPermanent disability plans vary widely in terms of their terms and conditions, depending on the insurer. It is, in turn, influences the amount of coverage and premiums.\n\n\nA plan like this in your portfolio can protect your \nfinancial\n assets against emergencies that can wipe out your savings and impair your earning potential.\n\n\nTags:\nDisability\nInsurance Benefit\nMedical Care\nTotal Permanent Disability\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/03/11/langkah-yang-perlu-diambil-jika-motosikal-dicuri/", "title": "Langkah Yang Perlu Diambil Jika Motosikal Dicuri", "body": "Bayangkan, anda baru sahaja membeli barangan di pasar raya, bila anda sampai ke tempat letak \nmotosikal\n, anda dapati \nmotosikal\n anda tidak berada di situ. Ia telah dicuri? Pastinya perasaan ketika itu bercampur baur di antara marah, susah hati dan juga takut bukan? Kalau anda mempunyai pelan \ninsuran komprehensif\n yang masih aktif, anda bertuah kerana anda boleh mendapatkan pampasan daripada syarikat insurans. Sekiranya anda berada di dalam situasi itu, cuba untuk tidak panik. Lakukan langkah-langkah di bawah.\n\n\n1. Buat Laporan Polis\n\n\nPerkara pertama yang perlu anda lakukan tentulah membuat laporan polis terlebih dahulu. Cari balai polis terdekat dan pastikan anda membuat laporan kecurian tersebut dalam tempoh 24 jam setelah anda menyedari tentang kehilangan tersebut. Bawa bersama salinan geran motosikal dan juga polisi \ninsurans motosikal\n anda. Semasa membuat laporan polis, pastikan terangkan situasi kejadian dengan teliti bagi membantu pihak polis. Setelah itu simpan laporan polis tersebut bagi memudahkan anda untuk membuat \ntuntutan insurans\n selepas ini.\n\n\n2. Buat Tuntutan Insurans\n\n\nPerlu diingatkan, untuk kes kehilangan motosikal, hanya pelan insurans Komprehensif sahaja yang akan melayan tuntutan anda itu. Pastikan juga \ninsurans motosikal\n anda itu belum tamat tempoh, dan laporan polis itu di adalah sah (jangan tunggu terlalu lama untuk membuat laporan polis). Langkah pertama yang perlu anda lakukan untuk \nmembuat tuntutan insurans\n ini adalah dengan mengisi borang tuntutan dan menghantarnya kepada syarikat insurans. Kemudian, \u2018adjuster\u2019 yang mewakili \nsyarikat insurans\n akan menghubungi anda untuk mendapatkan testimoni lisan selain daripada testimoni bertulis dari laporan polis tadi.\n\n\nProses selanjutnya mungkin akan mengambil masa agak lama iaitu antara 4 hingga ke 6 bulan bagi pihak insurans meluluskan atau menolak tuntutan anda itu. Sekiranya tuntutan anda diterima, anda akan mendapat surat tawaran yang bermakna mereka bersetuju untuk membayar ganti rugi. Pihak insurans akan memberi dua pilihan kepada anda iaitu ganti rugi tunai atau pun motosikal baru. Jadi terserah kepada anda untuk pilih yang mana. Setelah itu anda perlu menyediakan dokumen lengkap seperti:\n\n\n\n\nSurat persetujuan tawaran (dilampirkan bersama surat tawaran)\n\n\nBorang JPJ TM-AB (pengesahan kad pengenalan yang dicop sumpah oleh pegawai JPJ)\n\n\nBorang JPJ K3 (2 keping)\n\n\nBorang JPJ K8 ( 1 keping)\n\n\nBorang pelepasan oleh syarikat sewa beli (sekiranya telah habis bayar) Tetapi sekiranya anda masih mempunyai baki pinjaman, anda perlu kepada pihak bank terlebih dahulu kerana takut berlaku masalah lain pula nanti.\n\n\nKunci kenderaan (surat pemberitahuan sekiranya kunci hilang)\n\n\nKad pendaftaran kenderaan asal\n\n\n\n\n3. Kes Kecurian Aksesori\n\n\nSelalunya untuk kes kecurian motosikal, anda tidak layak untuk membuat tuntutan insurans. Bukan itu sahaja, pelan insurans motosikal yang biasa juga tidak akan memberi perlindungan terhadap kerosakan yang dialami akibat bencana alam seperti banjir, mogok, rusuhan, atau kekecohan awam. Sekiranya anda mahukan perlindungan dari perkara-perkara di atas, anda boleh membeli perlindungan tambahan yang akan dimasukkan ke dalam \npelan insuran motosikal\n anda. Anda perlu mengeluarkan duit lebih bagi membeli polisi tambahan ini. Tetapi sekurang-kurangnya anda tidak perlu risau sekiranya berlaku sesuatu yang tidak dijangka terhadap motosikal kesayangan anda.\n\n\nBagi anda yang berminat untuk menambah polisi tambahan ini, anda boleh menghubungi pihak insurans anda atau layari laman web Fincrew untuk membandingkan polisi insurans yang sesuai untuk anda. Jadilah penunggang yang bijak dengan mengambil insurans bagi jaminan masa hadapan.\n\n\nTags:\nAdjuster\nInsurans Motosikal\nJPJ\nSyarikat Insurans\nTuntutan Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/11/22/gagal-membayar-membayar-premium-insurans-kereta/", "title": "Gagal Membayar Premium Insurans Kereta", "body": "Insurans kenderaan wajib untuk diperbaharui pada setiap tahun setiap kali pemilik kenderaan ingin memperbaharui cukai jalan. Tetapi terdapat beberapa situasi di mana pemilik gagal untuk memperbaharui premium mereka disebabkan terlupa atau mempunyai masalah kewangan. Walau apa juga alasannya, pemilik perlu berusaha untuk menjelaskan \npremium insurans\n mereka. Mujurlah, walaupun anda gagal membuat bayaran tepat pada masanya, pihak insurans masih lagi akan memberikan \u2018grace period\u2019. Tetapi ini juga bergantung kepada perjanjian di antara anda dengan \nsyarikat insurans\n tersebut. Ini tak bermakna yang anda masih boleh mengambil ringan terhadap tanggungjawab anda untuk membayar \npremium insurans\n kenderaan. Berikut merupakan beberapa masalah yang bakal anda hadapi sekiranya anda gagal membuat bayaran \npremium insurans\n anda:\n\n\n1. Tidak Boleh Memperbaharui Cukai Jalan\n\n\nYang ini tentu ramai yang sudah tahu. Anda tidak dapat memperbaharui \ncukai jalan\n sekiranya kenderaan anda itu tidak mempunyai pelindungan insurans. Apabila cukai jalan pun tak ada, kenderaan anda tidak dibenarkan untuk dipandu di atas jalan raya. Sekiranya anda memandu juga kenderaan tersebut dan ditangkap, anda boleh dikenakan denda sehingga RM3,000! Sekiranya ini berlaku, rekod pemanduan anda akan tercalar dan anda akan juga akan mempunyai rekod kesalahan trafik dengan pihak polis. Tak berbaloi mempunyai rekod buruk semata-mata memandu tanpa \ncukai jalan\n bukan?\n\n\n2. Pelindungan Akan Terbatal\n\n\nPolisi insurans yang anda ambil sebelum ini juga akan dibatalkan. Ini bermakna kenderaan anda kini sudah tidak dilindungi sekiranya berlaku sesuatu yang tidak diingini seperti kerosakan akibat kemalangan, kebakaran, kecurian dan sebagainya. Kos untuk membaiki kereta bukanlah murah. Jadi, tentunya anda boleh membayangkan bagaimana seksanya ingin \nmenanggung kos baik pulih kereta\n anda dengan duit poket sendiri. Lebih teruk lagi, jika anda yang menyebabkan kemalangan yang mengakibatkan bukan sahaja kerosakan harta tetapi juga kecederaan terhadap pihak lain, pastinya lebih banyak wang yang perlu anda keluarkan untuk menanggung segala kos kerugian ini.\n\n\n3. Insurans Luput\n\n\nKegagalan untuk memperbaharui insurans tepat pada masanya akan menyebabkan insurans anda luput. Ia akan membuatkan anda tidak mendapat pelindungan yang sepatutnya untuk satu tempoh tertentu sehinggalah anda memperbaharui polisi tersebut. Pihak insurans akan memberikan satu tempoh yang digelar \u2018grace period\u2019 sebagai satu peluang untuk anda menjelaskan \nbayaran premium insurans\n tanpa sebarang caj penalti. Andai kata anda masih tidak menjelaskan bayaran premium selepas tempoh \u2018grace period\u2019 ini, barulah pihak insurans menamatkan polisi anda secara rasmi. Perlu diingatkan, tempoh \u2018grace period\u2019 yang diberikan mungkin berbeza di antara setiap syarikat insurans. Selalunya, tempoh \u2018grace period\u2019 yang diberikan adalah 30 hari. Sebaiknya, dapatkan kepastian tentang hal ini dengan pihak insurans anda.\n\n\n4. Premium Baru Lebih Mahal\n\n\nKalau anda nak tahu, lewat membayar premium insurans boleh menyebabkan anda dikenakan bayaran premium yang lebih tinggi nanti. Bukan itu sahaja, anda juga bakal berdepan dengan kesukaran untuk membuat pinjaman di masa hadapan. Pihak bank akan melihat anda sebagai pelanggan yang berisiko tinggi berdasarkan rekod pembayaran insurans yang tidak menepati masa ini. Mereka akan menganggap anda sebagai seorang yang sukar menjelaskan bayaran tepat pada masanya.\n\n\n5. Memberikan Kesan Terhadap Skor Kredit\n\n\nMungkin ada yang tidak tahu bahawa pembayaran \ninsurans kenderaan\n turut mempengaruhi rekod dalam CCRIS. Kelewatan membayar premium insurans tepat pada masanya akan mencacatkan skor kredit. Anda tentu tahu apa maknanya bukan? Rekod CCRIS yang kurang baik akan menyukarkan anda untuk mendapatkan apa-apa sahaja pembiayaan dari pihak bank.\n\n\nLihat, betapa banyaknya kesan negatif yang bakal anda hadapi jika anda gagal membuat \nbayaran premium insurans\n anda. Sekiranya anda merupakan seorang yang sentiasa sibuk dan tidak mempunyai masa untuk melakukan pembaharuan insurans pada waktu pejabat, kini ada cara yang lebih mudah iaitu dengan melayari sahaja laman web Fincrew. Di sini anda boleh memperbaharui insurans anda sepantas 3 minit sahaja!\n\n\nTags:\nCCRIS\nCukai Jalan\nInsurance Premiums\nInsurans Kereta\nSkor Kredit\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/02/22/what-is-liability-car-insurance/", "title": "What Is Liability Car Insurance?", "body": "Is it time to acquire a new \ncar insurance\n policy? If you consider the desired terms for the upcoming deal, you might have come across the term \u201cliability car insurance.\u201d\u00a0 Are you wondering what this means? If you feel confused about this, you\u2019ve come to the right place. Here is everything you should know about the term and whether you need this \ntype of insurance\n in Malaysia!\n\n\nLiability Car Insurance\n\n\nLet\u2019s cover the basics first and start with the definition of \nliability car insurance\n. The odds are that you\u2019ve heard about this expression under a different name. \nLiability car insurance\n is nothing else than a third-party cover. The quick explanation is that it covers any damage caused by your car to other parties. However, it won\u2019t make up for damages to your vehicle or the people inside it.\n\n\n\n\nIs Liability Car Insurance Mandatory In Malaysia?\n\n\nYes, liability \ncar insurance\n is mandatory by law in Malaysia. It is the primary policy type that you can have in this country. While it is possible to add extras or take a \ncomprehensive policy\n, every vehicle owner\u2019s lowest insurance level should have this one.\n\n\nWhat Does Liability Car Insurance Include?\n\n\nDo you know why liability \ncar insurance\n is called a third-party? That is because it refers to third parties related to the accident. As the policy owner, you are the first party, while the \ninsurance company\n is the second party. Anyone else who participates in the incident is the \nthird party\n. The third-party policy covers any damage to other people or another person\u2019s property. That is a simple explanation, but let\u2019s explain it with an example. Let\u2019s say that you are driving around town, and you don\u2019t see a car in front of you. You drive into it, causing significant damage to both vehicles. If this happens, the third-party insurance will cover any damage to the other car, but you will have to pay for those on your car. It is vital to note that liability vehicle insurance is also applicable to people in the other car and passengers who might have participated in the accident. That includes death and \nbodily injuries\n, which means your policy will cover any medical and other expenses.\n\n\nWhat Doesn\u2019t a Liability Car Insurance Include?\n\n\nHere are the details of what a liability vehicle policy won\u2019t cover:\n\n\n\n\nAny medical and other expenses for the injuries to the driver\n\n\nDamage caused to your vehicle.\n\n\nDamage caused to your windscreen by the wind or storm.\n\n\nFlood, fire, and damage caused by environmental factors\n\n\nVehicle \ntheft\n\n\n\n\nIt is important to note that you can choose a more detailed policy if you want a higher protection level. For example, there is an extra that protects your vehicle from theft and fire. That can play an important role if you live in neighborhoods with a high crime rate. \nComprehensive car insurance\n is a smart move when you want to include first-party coverage in the policy.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhen Can Liability Car Insurance Be a Smart Decision?\n\n\nIt is the basic policy you can get from providers in Malaysia. If your car is old, and the repairs are not that expensive, a third-party policy might be a wise move. You can also consider it if your car \nloan\n and financing agreements expired or plan to purchase a new vehicle in the next couple of years.\n\n\nTags:\nCar Insurance\nLegal Liability\nLiability Car Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/02/06/ketahui-perkara-penting-ini-sebelum-membeli-insurans-kereta/", "title": "Ketahui Perkara Penting Ini Sebelum Membeli Insurans Kereta", "body": "Setiap tahun, pemilik kereta diwajibkan untuk memperbaharui \ninsurans kereta\n mereka berserta sekali dengan \ncukai jalan\n. Ini bagi memastikan kereta anda dilindungi jika berlaku sebarang kecelakaan jalan raya. Tetapi, kami pasti ramai di kalangan rakyat Malaysia memperbaharui insurans mereka sekadar untuk memenuhi tuntutan undang-undang tanpa meluangkan masa untuk memilih \ninsurans kereta\n yang tepat untuk diri mereka. Pemilihan polisi insurans yang tepat sangat penting bagi memastikan anda bukan sahaja mendapat perlindungan yang sewajarnya tetapi juga berbaloi dengan duit yang anda laburkan itu. Berikut merupakan 5 perkara penting yang perlu anda ambil kira sebelum membeli insurans.\n\n\n\n\n1. Jenis Perlindungan Yang Diperlukan\n\n\nTerdapat 3 jenis insurans utama kereta iaitu:\n\n\n\n\nPihak Ketiga \u2013 Polisi yang paling asas dan hanya akan melindungi pihak ketiga yang terlibat dalam kemalangan. Jika kemalangan berlaku disebabkan oleh kecuaian anda, \npolisi insurans\n ini akan menanggung segala kos kerosakan, kecederaan/kematian pihak lain yang terlibat dalam kemalangan tersebut.\n\n\nPihak Ketiga, Kebakaran dan Kecurian \u2013 Sama seperti polisi pihak ketiga cuma terdapat perlindungan tambahan jika kereta anda terbakar atau dicuri.\n\n\nKomprehensif \u2013 Memberikan perlindungan seperti \npolisi insurans\n di atas dengan tambahan perlindungan untuk kereta sendiri andai berlaku kerosakan akibat \nkemalangan\n.\n\n\n\n\n2. Perlindungan Tambahan\n\n\nWalaupun pelan perlindungan komprehensif memberikan perlindungan terbaik, tetapi anda mungkin tetap memerlukan perlindungan tambahan lain sesuai dengan situasi anda bagi mendapatkan perlindungan yang lebih menyeluruh dan sempurna. Sebagai contoh, sekiranya anda gemar menambah aksesori pada kereta seperti \u2018sport rim\u2019 dan sebagainya, anda mungkin perlukan polisi tambahan bagi melindungi kenderaan anda itu. Antara beberapa jenis perlindungan tambahan yang boleh diambil oleh pemilik kereta adalah perlindungan cermin hadapan, perlindungan dari bencana alam dan juga perlindungan dari rusuhan.\n\n\n3. Bandingkan Polisi\n\n\nSalah satu lagi perkara penting yang perlu anda lakukan sebelum membeli mana-mana pelan insurans adalah membuat perbandingan untuk setiap polisi yang ditawarkan oleh pelbagai syarikat insurans. Perbandingan ini dilakukan bukan sahaja untuk mencari premium yang berpatutan, tetapi juga yang memberikan perlindungan yang tepat dengan kemampuan dan juga keperluan anda. Terdapat terlalu banyak pelan insurans dari syarikat yang berbeza yang boleh dipilih. Untuk memudahkan urusan, kini terdapat pelbagai laman web yang menawarkan khidmat membandingkan sebut \nharga insurans\n seperti Fincrew. Di Fincrew, anda boleh membandingkan bukan sahaja sebut harga dari pelbagai \nsyarikat insurans\n, tetapi anda juga boleh memperbaharui insurans dan juga cukai jalan dengan mudah dan pantas pada bila-bila masa sahaja.\n\n\n4. Baca Dokumen Perjanjian Polisi\n\n\nBila anda sudah memilih polisi yang bakal dibeli, jangan lupa untuk membaca dokumen perjanjian sebelum menandatangani dokumen tersebut. Baca dengan teliti dan cuba fahami setiap butir perjanjian tersebut. Terdapat peruntukan tertentu dalam polisi insurans yang tidak akan memberikan perlindungan kepada beberapa situasi tertentu. Sangat penting untuk anda tahu situasi yang bagaimana tidak memungkinkan anda untuk mendapatkan pampasan daripada syarikat insurans. Jika anda tahu tentang pengecualian ini, anda boleh mengambil langkah berjaga-jaga yang lain bagi melindungi diri anda dan juga penumpang dengan mengambil polisi tambahan dan sebagainya.\n\n\n5. Elakkan Menggunakan Khidmat Ejen\n\n\nSebenarnya tidak salah untuk menggunakan khidmat ejen untuk memperbaharui premium insurans kereta anda. Tetapi di zaman yang serba maju ini, anda boleh menjimatkan lebih banyak wang dengan melakukan segalanya sendiri. Anda juga berpeluang untuk mencari dan membandingkan sendiri lambakan pelan insurans yang tersedia di luar sana. Apa yang penting adalah anda perlu bijak mencari laman web perbandingan insurans yang dipercayai. Mencari \ninsurans kereta yang terbaik\n boleh menjadi sesuatu yang meletihkan. Tetapi jika anda faham dengan setiap yang kami terangkan kepada anda di atas, percayalah urusan anda akan menjadi lebih mudah.\n\n\nTags:\nInsurans Kereta\nKomprehensif\nPolisi Insurans\nSyarikat Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/09/24/why-auto-insurance-companies-cancel-policies/", "title": "Why Auto Insurance Companies Cancel Policies?", "body": "Under normal circumstances, an \nauto insurance\n company can choose to cancel its policy with you at any point in time for any given reason. However, no good insurance company terminates its policy with a client without sound reasons. Here are a few. You wake up on a lovely morning. You\u2019re having a nice hot cup of coffee and going through your mail and bam! There it is a notification from your insurance agency of the cancellation of your policy. What could\u2019ve gone wrong? Why would your \ninsurance\n agency\n suddenly cancel your policy? Well, your \nauto insurance\n agency can opt to discontinue your policy due to some reasons. One of the first things you need to do is go through the notification carefully and determine if you received a non-renewal or cancellation notice. Regardless of what information you received, below are a few possible reasons why your insurer might choose to withdraw their services.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nViolating your Auto Insurance Policy Terms\n\n\nThis is one of the easiest ways of having your \ninsurance agency\n revoke or annul your policy. During the process of taking out your \ninsurance\n, you would have had to sign, and as such, be subjected to certain terms and conditions of use for the underwritten property (your car). If you violate any of those terms, your insurer may rightfully choose to cancel your policy outright or issue you a non-renewal notice (\nDNR\n). A classic example of violating the duration of your policy would be using a vehicle you had insured for personal use for your \nbusiness\n. When using a car for business, it is usually \nprotected under a different kind of policy\n.\n\n\nIncidence of Fraud or Dishonesty\n\n\nThis is a very serious affair and can have some serious legal repercussions. As such, while taking out a new auto insurance policy, the importance of being as detailed and as truthful as you can be cannot be overemphasized. You stand to lose a lot otherwise. Should you take out a policy without informing your insurer of certain details, it could lead to more than just losing your policy. The insurance agency could use those grounds to deny your settlement, even when you have a valid \nclaim\n. So do your best not to leave anything out. Ensure your insurer is clear on details like your mileage, who drives what in the house, and so on. It\u2019ll go a long way in \npreventing misunderstandings with your insurer\n.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nNon-payment/Failure to Make Payments on your Auto Insurance Policy\n\n\nNon-payment of your premium is perhaps one of the biggest reasons why most \ninsurance companies\n cancel their policy with insured individuals. Have you been making prompt and timely payment on your policy when due? If you haven\u2019t, it just might be the reason you received the \nDNR\n. Making regular payments on your premium is how an insurer can effectively cover you in case of an accident. Failure to do this serves as a breach of the agreement between you. This is a sufficient reason for most insurers to terminate any policy.\n\n\nIn addition to the above, variables such as the current living conditions of the state you\u2019re in, losing your \ndriver\u2019s license\n, and making excessive insurance claims can lead to losing your policy with an insurance company. The moment you receive the notification, do your best to get in touch with your insurance agency to see if it can be fixed. If it cannot, what you need to do next is to start shopping for another \ninsurance company\n as you cannot move freely without taking a policy.\n\n\nTags:\nDNR\nInsurance Policy\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/04/08/%e6%80%8e%e4%b9%88%e9%80%89%e6%8b%a9%e6%9c%80%e5%a5%bd%e7%9a%84%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e5%85%ac%e5%8f%b8/", "title": "\u600e\u4e48\u9009\u62e9\u6700\u597d\u7684\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\uff1f", "body": "\n\n\n\n\u6b22\u8fce\u6536\u770b\u4fdd\u9669360, \u6211\u662f Cassandra\u3002\u5f88\u591a\u4eba\u90fd\u8ba4\u4e3a\u53ea\u8981\u9009\u6700\u8d35\u7684\u8f66\u9669\u5c31\u4e00\u5b9a\u53ef\u4ee5\u4fdd\u969c\u5728\u4f60\u91d1\u94b1\u4e0a\u7684\u635f\u5931\uff0c \u8fd9\u662f\u4e00\u4e2a\u9519\u8bef\u7684\u89c2\u5ff5\u3002\u6700\u8d35\u4e0d\u4e00\u5b9a\u662f\u6700\u597d\uff0c \u6700\u597d\u7684\u8f66\u9669\u662f\u4fdd\u9669\u5355\u7684\u914d\u5957\u3002\u9664\u4e86\u9009\u62e9\u9002\u5408\u7684\u4fdd\u9669\uff0c\u8f66\u9669\u516c\u53f8\u4e5f\u662f\u975e\u5e38\u91cd\u8981\u7684\u4e00\u73af\u3002\u4e00\u5bb6\u597d\u7684\u8f66\u9669\u516c\u53f8\u4f1a\u786e\u4fdd\u4f60\u6240\u6709\u7406\u8d54\u673a\u4f1a, \u53ef\u4ee5\u5728\u53d1\u751f\u4e8b\u6545\u65f6\uff0c\u63d0\u4f9b\u5728\u7ecf\u6d4e\u4e0a\u7684\u5e2e\u52a9\u3002\u56e0\u6b64\uff0c\u5728\u9009\u62e9\u4e00\u5bb6\u9002\u5408\u4f60\u7684\u8f66\u9669\u516c\u53f8\u65f6\uff0c\u6709\u4e24\u5927\u8981\u7d20\u3002\n\n\n\u7b2c\u4e00\u3001\u53ef\u9760\u7684\u6c7d\u8f66\u4fdd\u9669\u516c\u53f8\u3002\n\n\n\u4e00\u5bb6\u53ef\u4e0d\u53ef\u9760\u7684\n\u4fdd\u9669\u516c\u53f8\n\uff0c\u9700\u8981\u770b\u7684\u5b83\u7684\u7ecf\u8425\u89c4\u6a21\u3002\u89c4\u6a21\u6bd4\u8f83\u5927\u7684\n\u4fdd\u9669\u516c\u53f8\n\uff0c\u5f80\u5f80\u516c\u53f8\u4eba\u529b\u8d44\u6e90\u6bd4\u8f83\u5145\u8db3\u3001\u5404\u90e8\u95e8\u5de5\u4f5c\u5c97\u4f4d\u7ec6\u81f4\u3001\u529e\u4e8b\u6548\u7387\u8f83\u5feb\u3002\u56e0\u6b64\uff0c\u5728\u4fdd\u9669\u7406\u8d54\u65f6\uff0c\u6548\u7387\u66f4\u9ad8\u3001\u66f4\u5feb\u3001\u66f4\u65b9\u4fbf\u3002 \u76f8\u53cd\u7684\uff0c\u89c4\u6a21\u8f83\u5c0f\u7684\u516c\u53f8\u53ef\u80fd\u4f1a\u56e0\u4e3a\u4eba\u529b\u8d44\u6e90\u7f3a\u5c11\u800c\u5bfc\u81f4\u529e\u4e8b\u6548\u7387\u504f\u4f4e\u3002\n\n\n\u00a0\u7b2c\u4e8c\u3001\u5408\u7406\u7684\u4fdd\u9669\n\n\n\u6bcf\u5bb6\u8f66\u9669\u516c\u53f8\u90fd\u6709\u81ea\u5df1\u4e00\u5957\u7684\u4fdd\u9669\u914d\u5957\uff0c\u4f46\u662f\u5927\u90e8\u5206\u7684\u4fdd\u9669\u914d\u5957\u548c\u4ef7\u683c\u53ef\u4ee5\u8bf4\u7684\u5927\u540c\u5c0f\u5f02\u3002\u56e0\u6b64\uff0c\u4f60\u5fc5\u987b\u4ed4\u7ec6\u68c0\u67e5\u8f66\u9669\u516c\u53f8\u7684\u7406\u8d54\u8986\u76d6\u8303\u56f4\u3002\u5b9e\u529b\u8f83\u597d\u7684\u8f66\u9669\u516c\u53f8\uff0c\u53ef\u80fd\u9700\u4ea4\u4ed8\u6bd4\u8f83\u591a\u4fdd\u9669\u91d1\uff0c\u4f46\u6240\u8986\u76d6\u8303\u56f4\u53ef\u80fd\u8fdc\u8fdc\u8d85\u8fc7\u5b9e\u529b\u8f83\u5c0f\u7684\u8f66\u9669\u516c\u53f8\u3002\u6709\u65f6\u5019\uff0c\u4e00\u4e9b\u516c\u53f8\u5728\u4fdd\u9669\u914d\u5957\u4e0a\u7ed9\u4e88\u5f88\u591a\u7684\u6298\u6263\u6216\u8d60\u54c1\u6765\u5438\u5f15\u8f66\u4e3b\u3002\u4f46\u662f\uff0c\u4e00\u65e6\u4e8b\u6545\u53d1\u540e\uff0c\u4e0d\u4ec5\u7406\u8d54\u7684\u91d1\u989d\u5c11\uff0c\u8fd8\u6709\u53ef\u80fd\u6240\u8d2d\u4e70\u7684\u4fdd\u9669\u914d\u5957\u5e76\u4e0d\u8986\u76d6\u5728\u4fdd\u9669\u8303\u56f4\u5185\u3002\u5bf9\u4e8e\u8f66\u4e3b\u6765\u8bf4\uff0c\u7ed9\u6c7d\u8f66\u4e70\n\u4fdd\u9669\n\u662f\u5fc5\u987b\u505a\u7684\u4e8b\u60c5\u3002\u56e0\u6b64\uff0c\u614e\u91cd\u8003\u8651\u53ca\u9009\u62e9\u4e00\u5bb6\u53ef\u9760\u548c\u5408\u7406\u7684\u8f66\u9669\u516c\u53f8\u7edd\u5bf9\u662f\u5fc5\u987b\u3002\u5728\u8d2d\u4e70\u8f66\u9669\u65f6\uff0c\u5207\u8bb0\u4e00\u5b9a\u8003\u8651\u81ea\u8eab\u7684\u6d88\u8d39\u80fd\u529b\u4e0e\u8d2d\u4e70\u80fd\u529b\u8303\u56f4\u7684\n\u4fdd\u9669\n\u3002\n\n\n\u5e0c\u671b\u6211\u4eec\u4eca\u5929\u7684\u89c6\u9891\u6559\u4f1a\u4f60\u4e00\u70b9\u70b9\uff0c \u8ba9\u4f60\u66f4\u61c2\u5f97\u8f66\u9669\u7684\u54a8\u8be2\uff01\u5982\u679c\u4f60\u559c\u6b22\u6211\u4eec\u7684\u4fdd\u9669360\u7cfb\u5217\uff0c\u8bb0\u5f97\u6309\u8d5e\u4e0e\u5206\u4eab\uff01\u8bb0\u5f97\u8ba2\u9605\u6211\u4eec\u7684\u9891\u9053\u8fd8\u6709\u5f00\u542f\u5c0f\u94c3\u94db\uff0c\u8fd9\u6837\u4f60\u5c31\u4e0d\u4f1a\u9519\u8fc7\u65b0\u5f71\u7247\u7684\u901a\u77e5\u3002\u6211\u4eec\u4e0b\u6b21\u89c1\uff01\n\n\n\n\nTags:\n\u4fdd\u9669\n\u4fdd\u9669\u516c\u53f8\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2023/06/15/exploring-microinsurance-and-microtakaful-a-beginners-guide/", "title": "Exploring Microinsurance And Microtakaful: A Beginner\u2019s Guide", "body": "Insurance is essential, but not everyone can afford it. Covid-19 has made us more aware of this. \nMicroinsurance\n and \nmicro takaful\n are products offered by insurance companies to help those who cannot afford regular insurance.\n\n\nWhat Is Microinsurance/Microtakaful?\n\n\nThe purpose of microinsurance/micro takaful is to provide you or your family with a payout if you suffer an injury, illness, or worse, death. There are, however, lower premiums and coverage levels for microinsurance/micro takaful products. While these products don\u2019t offer as many benefits as a standard insurance policy, at least you will have coverage in an emergency.\n\n\nWho Is Eligible For Microinsurance/Microtakaful?\n\n\nMicroinsurance\n and \nmicro takaful\n products exist to assist low-income earners. The low-income group is households earning less than RM4,000 per month, but insurance/takaful companies decide whether an applicant falls into this category.\n\n\nAre There Any Microinsurance/Microtakaful Products Available?\n\n\nBelow is a list of some microinsurance/micro takaful products available:\n\n\n\n\n\n\n\n\nType Of Insurance\n\n\nDescription\n\n\n\n\n\n\nCoverage for \naccidental death\n and critical illness\n\n\nIn the case of death or a critical condition, your family will receive a payment.\n\n\n\n\n\n\nUtility Bills and \nCredit Cards\n Coverage\n\n\nYou\u2019ll be covered for your insured amount if you have insured your credit card or utility bills.\n\n\n\n\n\n\nTravel Insurance\n\n\nYou will receive compensation if you incur medical bills or lose baggage or belongings while traveling.\n\n\n\n\n\n\nBusiness\n Protection for SMEs\n\n\nA business insurance policy provides you with compensation if anything happens to your business.\n\n\n\n\n\n\nDaily Hospitalisation Allowance\n\n\nIn case of hospitalization, the policy will cover daily allowance.\n\n\n\n\n\n\nMotorbike Insurance\n\n\nThis insurance policy covers your motorbike for theft, damage, and accidents.\n\n\n\n\n\n\n\n\nIn Malaysia, microinsurance is still in its infancy, so few companies provide these products. Many insurance companies have begun offering these plans by partnering with mobile providers, such as Sun Life and Great Eastern. You can quickly sign up for and manage a microinsurance or micro takaful plan via your phone.\n\n\nHow Does It Work?\n\n\nA large majority of these plans are either pay-as-you-go or short-term in nature. Short-term goals usually last six months, and renewal is a must. You would pay monthly for pay-as-you-go plans, and you could subscribe or unsubscribe at any time. You can resubscribe in the future by submitting another application on the website if you want to unsubscribe.\n\n\nWhat Should You Check?\n\n\n1. Coverage\n\n\nMake sure you know your coverage. You\u2019ll also have a lower range when you pay lower premiums than with regular \ninsurance or takaful\n. Based on your policy, you will only get coverage for the events described therein. Be sure you understand your scope.\n\n\n2. Waiting Period\n\n\nMicroinsurance and micro takaful plans have the principle of minimizing the waiting period for claims. There is, however, a maximum waiting period of six months for most projects that cover natural death or disability. Therefore, you or your family member will have to wait up to six months for your benefits. So, before you think of canceling your \ninsurance plan\n to save money, or if you don\u2019t have any insurance, consider microinsurance and micro takaful. But bear in mind that losing your insurance with better coverage has disadvantages!\n\n\nTags:\nDaily Hospitalisation Allowance\nMicroinsurance\nMicrotakaful\nMotorbike Insurance\nTakaful\nTravel Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/12/28/pros-cons-of-car-extended-warranty/", "title": "Pros & Cons Of Car Extended Warranty", "body": "The cost of extended warranties can be just as burdensome as car repairs. Take a look at the pros and cons of extended car warranties for your vehicle before choosing one.\n\n\nFincrew Extended Warranty Banner\n\n\nWhat Is An Extended Warranty?\n\n\nThe likelihood of certain parts wearing out and stopping working increases as vehicles age. An \nextended warranty\n, sometimes called a vehicle service contract, can protect your \nused car\n from potentially costly repairs after the factory warranty expires. When a vehicle breaks down due to normal wear and tear, an \nextended warranty\n covers the cost of parts and labor for repairs. Extended warranties work similarly to the manufacturer\u2019s warranty. The insurance does not cover misuse, neglect, or accident expenses.\n\n\nThe Pros Of Extended Car Warranties\n\n\nPro: Extended Warranties Can Be Tailored To Meet Specific Needs\n\n\nSince the original warranties provided by auto manufacturers differ in terms of mileage and time limits, companies that offer extended warranties have a greater variety of products and services than in the past. The third-party warranty provider can only extend the shorter warranty coverage if, for example, a vehicle has an extended powertrain warranty but a short bumper-to-bumper warranty. Providing 24-hour roadside assistance to new vehicles without manufacturer coverage is another example.\n\n\nPro: Extended Warranties Cover Expensive Repairs\n\n\nIn today\u2019s vehicles, expensive technology, wiring, and computerized equipment are more complex than ever. In cases like these, diagnosing, isolating, and repairing the problem can cost money. As new cars and trucks are more mechanically reliable than ever before, a vehicle\u2019s technological systems make it necessary to obtain an extended warranty. Before purchasing a warranty, request a list of \nexclusions\n from the warranty provider and ensure that the contract includes these technology features and other significant vehicle components.\n\n\nPro: Dealers Handle All Paperwork And Payments\n\n\nDealer-sponsored extended warranties tend to be more expensive. Still, in exchange for the extra cost, the dealer handles all the paperwork, and the auto manufacturer pays directly to the dealer for services rendered. Also, these warranties are usually backed by the manufacturer, allowing the car owner to go to any dealership with the same brand anywhere in the country to get the vehicle fixed, whereas other third-party warranties might include limitations.\n\n\nThe Cons Of Extended Car Warranties\n\n\nCon: Extended Car Warranties Can Be Expensive\n\n\nAn extended warranty is a bet. You have to spend more on repairs than the warranty cost in most cases. The warranty provider is also betting on the outcome. The warranty provider believes you will not need to spend more on repairs than the warranty covers. Since there are so many extended warranty providers, the odds are not with you. However, negotiate an extended warranty\u2019s price most of the time.\n\n\nCon: Extended Warranties Don\u2019t Cover Everything.\n\n\nIn some cases, consumers buy an extended warranty plan without reading its details and discover later that their \nextended car warranty\n does not cover a needed repair. You should receive a list of exclusions on your warranty plan from a reputable provider. Be sure to read the list carefully before purchasing an extended warranty.\n\n\nFinal Thought\n\n\nYou may decide that an \nextended car warranty\n is proper for you after considering the pros and cons of extended car warranties. Researching and comparing prices are the first steps to finding the appropriate deposit for you. It would help if you shopped around for the best price and coverage on your car from top third-party warranty providers.\n\n\nTags:\nCar Extended Warranty\nCar Repair\nCar Warranty\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/06/do-i-need-a-will-if-i-own-almost-nothing/", "title": "Do I Need a Will If I Own Almost Nothing?", "body": "Whether or not one needs \na will\n often arise among people who do not own many possessions. \nA will\n is necessary for adults over 18, especially for adults with minor children. You should not delay drawing one any longer if you have little children. Even if you and your spouse/partner own all assets together, it does not matter. So, yes, a will is necessary whether you are married. An \nestate plan\n is much more than the transfer of assets. Additionally, it is to convey your wishes to those left behind after you die, so they can be followed as you wish, for instance:\n\n\nWho Looks After Your Estate\n\n\nIt is up to you to choose your executor(s). These people \nwill\n handle your estate and make all the decisions. It is possible to name up to four executors. However, fewer may be more practical since they must make decisions together. An executor must be older than 18 and may also be a beneficiary of the will. It is the executor\u2019s responsibility to follow the instructions in your will to the best of their abilities.\n\n\nWho Takes Care Of Your Dependents\n\n\nA will can specify how you want your children to be cared for or what you want to do with vulnerable adults. The choice may include details such as who will take care of the vulnerable adults and where they will live. Decide while thinking of any potential carers since they must agree to accept the responsibility. It is only half the job to nominate someone to care for dependents. Ensuring those individuals have the \nfinancial\n resources to provide the quality of care they require is paramount. It is, therefore, an excellent time to \nmake a will\n so that you can ensure that your life insurance coverage and your financial protections are adequate. Set up a trust to make sure the capital paid out on death is in the right hands. Include pets in your will. Nevertheless, ensure that whoever you nominate is prepared to take on the responsibility.\n\n\nHow Are Sentimental Items Handled?\n\n\nDo not underestimate the importance of sentimentality, even if you do not have anything of financial value to pass on. You can specify which belongings you wish to give to specific people in your will. Perhaps you should include instructions on how to transfer your belongings in the future.\n\n\nTake care of your loved ones by planning your legacy today\n\n\nHow To Spend Your Money?\n\n\nYou may not have any value in your \nestate\n right now, but life is unpredictable, and you cannot predict how much will be left when you pass away. There is a story about a man who wins the lottery, only to pass away only 24 hours later. We realize it\u2019s unlikely to happen, but many have heard the story. Settle your \nestate\n, i.e., rejection of some money may happen once they deduct costs from what you leave behind. You should provide instructions on what to do with that money.\n\n\nDonating To a Charity\n\n\nOnce settled, you may decide that any money left should be donated to charity. But, again, contributing to the cause you are passionate about is the best way to ensure it continues. They exclude the value of your charitable donations from your estate for Inheritance Tax (IHT) purposes. Therefore, if you suddenly acquired enough money to exceed the threshold, a gift could prevent your loved ones from taking a big tax hit.\n\n\nTags:\nCharity\nDependents\nEstate\nInheritance Tax\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/01/04/does-getting-married-lower-your-auto-insurance-costs/", "title": "Does Getting Married Lower Your Auto Insurance Costs?", "body": "\n\n\n\nEvery vehicle owner is constantly looking for a way to positively influence what they pay as insurance. Where possible, many drivers move to safer neighborhoods and even try to drive shorter distances. Location and driving distance are two well-known variables that influence your automobile insurance premiums. But does your marital status also affect your coverage? If so, how and why is such a detail relevant?\n\n\nHi there, and welcome to today\u2019s episode from the Insurance360 Video Series! I\u2019m Fincrew brand ambassador, Stella, and on the show today, you\u2019ll be finding out how your \ninsurance coverage\n changes once you get married. The \ninsurance\n360 Video Series by Fincrew constantly sheds more light on little known aspects of Malaysia\u2019s automobile insurance world. So if you want to know how to get smarter and better coverage, make sure you hit that Subscribe icon and turn on notifications to our channel, so you don\u2019t miss our valuable updates!\n\n\nNow that we\u2019ve got that bit sorted let\u2019s jump right in. The first thing you need to know is that getting married does strongly influence what you pay as insurance in addition to factors like age. Now, you probably know that younger people pay more for \nauto insurance\n. This is because statistics show that they are more liable to get involved in accidents. Similarly, various studies lend credence that married people are less likely to get involved in auto accidents. Insurance is all about estimating risk and liability, which is why many auto insurers always check whether or not you\u2019re married in addition to your driving history. Since married couples get involved in fewer auto accidents, many insurers will usually offer you a sizable discount once they know you\u2019re married. There are multiple theories in circulation as to why married people seem to experience fewer auto mishaps. Some studies allude to the fact that married people tend to generally drive less than single people. Yet, others believe that it\u2019s because people in marriages have more stability.\n\n\nWhatever the case may be, the numbers conclusively show that unmarried individuals are more prone to accidents. In fact, the \ninsurance discount\n for getting married is so extensive that even young drivers under the age of 25 can enjoy it. What\u2019s more, if the married couple both have good individual driving records, they could combine their policy to get an even better multi-car \nauto insurance\n discount! Of course, the reverse is the case if one partner has an indictment on their driving record. Now, you may be wondering; If getting married positively affects your auto insurance, does getting divorced impact your policy as well?\n\n\nShort answer, yes!\n\n\nNot only do you immediately automatically forfeit your marriage discount, but any multi-car discount you\u2019ve been enjoying would also be withdrawn. If the split requires that you change location entirely, you may expect what you pay for auto insurance to keep rising. Ultimately, while the multiple benefits of marriage discounts on your auto insurance aren\u2019t enough reason to go and tie the knot, it is quite clear that this discount can do a lot to reduce what you pay for \ninsurance coverage\n.\n\n\nAnd that\u2019s it!\n\n\nIf you enjoyed this video, please leave it a Like. Also, Subscribe to our channel, and don\u2019t forget to turn on notifications, in order to stay tuned to all future episodes from this Insurance360 video series! Thanks for watching!\n\n\nTags:\nAuto Insurance\nInsurance Coverage\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/26/what-is-own-damage-insurance/", "title": "What Is Own Damage Insurance?", "body": "Owning a car comes with its share of maintenance expenses. Maintaining a vehicle can be very expensive owing to the ever-increasing maintenance costs. So, investing in good \nauto insurance\n coverage makes sense to protect you from those additional expenses arising out of any eventuality!\n\n\nSo What Is Own Damage Insurance Policy\n\n\nAs the name implies, an \nOwn Damage policy\n (OD) is a personalized \nauto insurance coverage\n that protects you and your insured vehicle against damages due to accidents such as fire, theft, etc. In the event of an accident, an \nown damage policy\n \npays for the expenses to repair\n or replace parts of your vehicle damaged in the accident. For example, let us say you \nparked your car\n at its usual place and all of a sudden your neighbor\u2019s cricket ball git one of its windows or probably a coconut falls on the windscreen and leaves not only shackles but dents too! You might be looking at hefty losses in retrospection, but in such circumstances, your damage insurance can get you out of such an unfortunate incident.\n\n\nWho Should Get Own Damage Insurance?\n\n\nWhen looking to purchase auto \ninsurance coverage\n, you have the option to buy a limited cover or one with an extensive range. As for many, they go for the limited scope, which is the third-party liability policy. The main disadvantage of purchasing this type of auto insurance policy is that it does not offer you or your car protection. So if you are carrying third-party auto insurance coverage, you might also want to purchase a standalone Own Damage policy to protect your vehicle from damages and losses.\n\n\nWhat Is Covered In Own Damage Insurance Policy?\n\n\nOwn damage insurance\n policy covers the cost of damages or loss to your car due to the following:\n\n\n\n\nNatural disasters such as floods, earthquakes, typhoons, hurricanes, storms, hailstorms, frost, inundation, self -Ignition, lightning, cyclone, etc.\n\n\nArtificial disasters such as \nstrikes\n, vandalism, protest, riots, and terror attacks\n\n\nTheft\n or malicious acts or fire.\n\n\n\n\nWhat\u2019s Not Covered In The Own Damage Insurance Policy?\n\n\nThough an Own Damage insurance policy is excellent for your car\u2019s protection, few things are not covered in the policy. These include:\n\n\nThird-Party Liabilities\n\n\nOwn Damage Insurance\n policy is a standalone policy and, as such, will not cover your third-party liabilities. Your third-party auto insurance policy will instead take care of the same.\n\n\nDrunk Driving\n\n\nDUI or also known as Driving Under Influence\n (of alcohol), is against the law. Therefore, the Own Damage insurance policy does not cover claims for driving under the influence of alcohol.\n\n\nDriving Without A Driver Licence\n\n\nNo insurance company will accept claims if you\u2019re driving without a driver\u2019s license. So, you can only file claims if you are driving with a valid driver\u2019s license; as such, Own Damage insurance policy will not cover claims if you\u2019re going without a valid driver\u2019s license. Others include:\n\n\n\n\nConsequential Damages\n\n\nContributory Negligence\n\n\nDriving without a Licence Holder\n\n\nWear and tear and depreciation\n\n\nNot having a valid \ndriving license\n\n\nMechanical or electrical breakdowns, failures, or breakages\n\n\nContractual liability\n\n\n\n\nHow Protected Are You In Your Damage Policy?\n\n\nThe amount that your insurer pays you for an own damage claim depends on your car\u2019s Insured Declared Value, the deductibles you opted for, and the make/model of your vehicle.\n\n\nTags:\nConsequential Damages\nDriving Under The Influence (DUI)\nLiability Cover\nOwn Damage Insurance\nOwn Damage Policy\nPersonal Liability\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/01/25/bolehkah-saya-mendapatkan-insurans-kereta-tanpa-kereta/", "title": "Bolehkah Saya Mendapatkan Insurans Kereta Tanpa Kereta?", "body": "\n\nSebilangan besar pemilik kenderaan memahami dengan baik tentang tahap \npelindungan insurans kenderaan\n yang mereka miliki akan melindungi diri dan kenderaan mereka. Walau bagaimanapun, timbul pula persoalan; Apa yang akan terjadi kepada pemandu yang tidak memiliki kereta? Adakah polisi tertentu untuk mereka yang tidak memiliki kereta, atau adakah mereka perlu memandu tanpa pelindungan?\n\n\nEpisod hari ini akan meneroka pilihan \ninsurans kereta\n yang tersedia untuk pemandu yang tidak memiliki kenderaan bermotor. Hai! Nama saya (nama). Dalam episod ini, kami akan membincangkan langkah-langkah yang boleh anda ambil bagi mendapatkan jaminan kewangan apabila anda memandu kenderaan yang bukan milik anda. Memandu merupakan sebahagian besar dari kehidupan seharian dan kerana itu \ninsurans kereta\n penting. Melalui Siri Video Insurans360 kami, anda akan mengetahui semua perkara yang harus anda tahu bagi menjadikan pengalaman pemanduan anda sesuatu yang menggembirakan! Jadilah antara yang pertama menonton setiap video yang kami muat naik dengan hanya klik butang \u2018Subscribe\u2019 dan aktifkam notifikasi sekarang!\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nBergantung kepada spesifikasi yang telah diperincikan dalam polisi insurans pemilik kenderaan, anda mungkin layak mendapat pelindungan, walaupun anda terlibat dalam kemalangan dan bukan pemilik kepada kenderaan tersebut. Walau bagaimanapun, sekiranya anda terlibat dalam kemalangan yang teruk, dan \npelindungan insurans kenderaan\n tidak meliputi keseluruhan kerosakan, ini boleh menyebabkan anda terpaksa mengeluarkan belanja yang tinggi dari poket anda sendiri. Tapi, apa sebenarnya pilihan yang ada untuk anda? Anda boleh mengetahui sama ada anda layak untuk mendapat apa yang disebut sebagai polisi insurans kereta bukan pemilik. Seperti namanya, ini adalah polisi insurans kereta yang diperluaskan kepada pemandu yang tidak memiliki kenderaan peribadi. Ini boleh menjadi polisi yang sangat menguntungkan jika anda kerap memandu. Jika anda terlibat dalam kemalangan, polisi insurans kereta bukan pemilik ini akan memberikan anda pelindungan bagi sebarang kecederaan dan juga kerosakan harta benda yang dialami oleh pihak ketiga.\n\n\nAnda perlu ingat bahawa jenis pelindungan seperti ini hanya berfungsi sebagai Pelindungan Sekunder. Implikasinya ialah, ia cuma boleh digunakan jika pelindungan yang ada pada kenderaan tersebut tidak cukup untuk menampung perbelanjaan perubatan dan kos baik pulih. Maklumat lain yang perlu diketahui adalah \npolisi insurans\n bukan pemilik tidak akan membayar sebarang tuntutan untuk membaiki kenderaan atau kos perubatan anda sekiranya anda yang mengakibatkan kemalangan tersebut. Jika anda kerap memandu kereta rakan atau ahli keluarga, atau anda merancang untuk menyewakan kenderaan buat sementara waktu, polisi insurans ini mungkin berguna. Berita baiknya ialah, banyak syarikat insurans kereta yang menawarkan polisi hebat ini. Anda juga tidak perlu melakukan banyak proses untuk melakukannya. Apa yang perlu anda miliki ketika meminta sebut harga adalah:\n\n\n\n\nBeberapa maklumat peribadi\n\n\nMaklumat lesen memandu anda\n\n\nPilihan kaedah pembayaran anda\n\n\n\n\nUntuk mendapatkan bantuan lanjut tentang ini, ikuti pautan yang disediakan di bawah! Sekiranya anda menikmati video ini, tinggalkan tanda \u2018Like\u2019 dan \u2018Subscribe\u2019 saluran kami. Jangan lupa juga untuk mengaktifkan notifikasi untuk melihat semua episod yang akan datang dari siri Video Insurans360 ini. Terima kasih kerana menonton! Kami akan kembali dengan lebih banyak lagi video!\n\n\nTags:\nInsurans Kenderaan\nInsurans Kereta\nPelindungan Sekunder\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/14/top-life-insurance-companies-in-malaysia/", "title": "Top Life Insurance Companies In Malaysia", "body": "Life insurance\n policies are contracts in which the policyholder pays regular premiums to an insurance company. Insurance companies pay death benefits to the policy\u2019s beneficiaries upon the policyholder\u2019s death. Having \nlife insurance\n is essential if someone in your life relies on your income. Unfortunately, many people are not carrying the right type or amount of life coverage. Despite popular belief, the cost of life insurance is lower than you might think. Some people view the average cost of life insurance as five times more than it is, which isn\u2019t the case.\n\n\nA good life insurance company can help you secure the coverage you need to replace your income, settle debts, or take care of expenses your family faces. For example, they can help you cover the cost of your child\u2019s education or support your elderly parents. By researching and ranking the \ntop life insurance companies\n, you will find the life insurance process much more manageable. The rating\u2019s basis is on different factors, including \nfinancial\n strength, customer service, and cost. Based on our research, the following are the \nbest life insurance companies in Malaysia\n for 2022.\n\n\nMalaysia\u2019s Best Life Insurance Companies\n\n\nGreat Eastern Life Assurance (Malaysia)\n\n\nGreat Eastern Life Assurance\n has one of the largest networks in the Life Insurance industry, and it has become a household name. There are currently more than 20,000 associates at Great Eastern around the country. Life insurance has been one of Great Eastern\u2019s best-selling products since its founding. You can choose from a range of life insurance plans such as great 110 legacy, great early vantage care 2, great generation care, etc., based on your needs at different stages of your life. It ensures your family\u2019s protection and that all that matters to you is protected.\n\n\nPrudential Life Insurance\n\n\nFounded in 1873, Prudential Financial is reputable, thanks to its long history. In terms of its financial strength, \nPrudential Insurance\n Company has an A+ rating. There are several types of \nterm life insurance\n offered by Prudential. They offer universal and index universal life insurance, variable universal life insurance, and riders such as an \naccidental death\n benefit, a living needs gift, and a children\u2019s protection rider.\n\n\nAIA Life Insurance\n\n\nIn the life insurance sector, AIA Group Limited and its subsidiaries (collectively \u201cAIA\u201d or the \u201cGroup\u201d) are the largest independent group of companies in Asia. AIA was founded in Shanghai almost a century ago. The company is the global leader in life insurance premiums in the Asia-Pacific region and dominates its markets. With \nAIA\u2019s life insurance\n products, consumers can choose from a term series of A-Life insurance packages and get a free online insurance quote. What is the cost of life insurance with AIA? Find out by requesting a quote online or speaking to an agent.\n\n\nAllianz Life Insurance\n\n\nAllianz life insurance\n company provides affordable term life \ninsurance\n cover and has established financial strength and reliability over time, which places it among the top life insurance providers in our review.\n\n\nAXA Life Insurance\n\n\nAXA is one of Malaysia\u2019s \ntop life insurance companies\n for instant issue policies because you can apply online and receive term life coverage without undergoing a medical exam. In addition to its high ratings, AXA\u2019s long history helped it gain a spot in our ranking.\n\n\nPersonal accident insurance from as low as RM8 per month.\n\n\nTags:\nAIA\nAllianz\nAXA\nGreat Eastern Life Assurance\nLife Insurance\nPrudential\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/06/15/what-does-a-total-loss-mean-in-car-insurance-terms/", "title": "What Does Total Loss Mean In Car Insurance Terms?", "body": "When it comes to talking \ncar insurance\n, most people find it very tedious. This is because the wave after wave of technical terms thrown at you all at once may be a bit overwhelming. Yet, it is essential to have at least a working understanding of some aspects of your vehicle insurance. One of the many important things you should know about is \ntotal loss\n.\n\n\n\n\nWhat is Total Loss?\n\n\nHow does it happen, and what can you do about it? We\u2019ll be helping you answer these questions and many more. Before delving any deeper, it is noteworthy to mention that a vehicle is generally considered a \u201ctotal loss\u201d under either of two circumstances. First, if the \ncar is stolen\n. Secondly, if the vehicle has been in an accident and damaged to the extent of being rendered unusable.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nIn this article, we will be dealing more extensively with the second scenario. An \ninsurance\n agency will deem any vehicle involved in an accident a \ntotal loss\n if it has determined that the cost of repairing the car is more than the present \nactual cash value\n (ACV) of the car. What\u2019s interesting here is that what represents a \ntotal loss\n differs from state to state. Each state adopts a different and somewhat unique way of determining what amounts to a total loss. For example, some states use the \nTotal Loss Formula\n or TLF. Here, your vehicle is deemed a total loss only if the addition of the cost of repairs and salvage value is higher than the actual cash value of the car. On the other hand, some states adopt the \nTotal Loss Threshold\n (TLT) method. In this case, the damage to the vehicle only needs to be greater than a determined percentage of the car\u2019s perceived value for it to be considered a total loss.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nSo what will happen to a total loss vehicle?\n\n\nShould your vehicle be considered a total loss, and you concur with this assessment, you can choose to either keep the car or turn it over to your insurance company. If you\u2019re keeping the vehicle, you would be getting less money as opposed to having your \ninsurance company\n have it. If you believe that the vehicle isn\u2019t a total loss, you can have the adjuster re-evaluate the vehicle with your proof at hand. In extreme cases, if you find you\u2019re still not content, you have the right to bring in a lawyer to support your \nclaims\n.\n\n\nBefore you can receive payment, if your vehicle is a \u201cTotal Loss\u201d, the actual \ncash value of your car\n would\u2019ve first been determined. The car\u2019s ACV on top of other variables like the vehicle\u2019s wear and tear, and so on will be calculated. After this, a \nvalue will be given to you by your insurer\n. If you consider that price acceptable, you will be paid immediately.\n\n\nThere you go! Now, you know virtually all there is to know about the total loss in \ncar insurance\n.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nTags:\nActual Cash Value (ACV)\nTotal Loss\nTotal Loss Formula (TLF)\nTotal Loss Threshold (TLT)\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/07/30/different-kinds-of-car-insurance-coverage/", "title": "Different Kinds Of Car Insurance Coverage", "body": "A \ncar insurance\n policy protects the vehicle owner from financial liability in case of road accidents and other \nmisfortune\n events, such as thefts and fires. The exact \ninsurance coverage\n will depend on the policy you choose. There are three basic types of vehicle \ninsurance coverage\n. Let\u2019s take a look at what they offer and which plan would be the most suitable for your needs.\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nThird-Party Car Insurance\n\n\nThe \nthird-party \nmotor policy\n is the first option available for everyone considering insuring their vehicle. As the name suggests, this plan will have you covered in case of \nthird-party property damage\n and injury. If you have participated in a \nroad accident\n, this policy offers financial protection for any injuries or damage that the third party suffered. While this is the most affordable policy out there, it is worth noting that it only provides essential protection. Why you should choose this plan: A \nthird-party motor policy\n is an excellent idea for drivers who don\u2019t spend a lot of time in their vehicles.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nThird-Party, Theft, and Fire Car Insurance\n\n\nThis \ncar insurance policy\n is a bit more complicated since it covers multiple possible events. Here is how this \ninsurance\n plan will protect you:\n\n\n\n\nThird-party property damage and injuries \u2013 if you participate in a road accident, any liability for the \nthird parties\n involved will be covered by the plan.\n\n\nFire \u2013 if there is a fire that you are not responsible for, and your vehicle suffers damage, this policy will protect you.\n\n\nTheft\n \u2013 vehicle thefts are quite common, so this policy can provide peace of mind. It offers \nfinancial\n protection if someone steals your vehicle.\n\n\n\n\nWhile it is not as \ncomprehensive\n, this plan offers more advanced protection than the basic third-party policy.\n\nWhy you should choose this plan: It is an excellent option for those who would like protection against \ntheft and fire\n, but still don\u2019t want the most expensive plan.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nComprehensive Car Insurance\n\n\nAs the word suggests, this plan is comprehensive and offers full protection to vehicle owners. If you go with this policy, it will include both the third parties and your own vehicle involved in the accident. You can also ask for \ncompensation for the time when you didn\u2019t use your car\n. It is worth noting that a comprehensive motor policy offers financial protection in case of thefts and fires. The rule that the fire should be accidental and you shouldn\u2019t be responsible for the robbery still applies. Why you should choose this plan: It offers total protection, which makes it great for drivers who use their car every day.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nWhich Car Insurance Is the Best for You?\n\n\nWhile it ultimately depends on your preferences, the comprehensive \ncar insurance\n offers complete protection. It is worth noting that you can customize your policy by utilizing additional covers. Those include the following premiums:\n\n\n\n\nPersonal accidents\n \u2013 it covers injuries of you or the passengers.\n\n\nAssessed repair time compensation \u2013 if you can\u2019t use your vehicle for a while, you might be entitled to compensation.\n\n\nWindscreen \u2013 your windshield might break for no apparent reason. If that happens and it wasn\u2019t caused by a road accident, this add-on will offer financial protection.\n\n\nLegal liability\n of and to passengers \u2013 a third party might sue you for injuries caused by the passenger in your vehicle. Alternatively, your passenger might sue you for the damages they suffered in the accident. These offer financial protection if that happens.\n\n\nFlood \u2013 if your vehicle suffers damage due to a flood, you will enjoy financial protection.\n\n\n\n\n\n\nTags:\nComprehensive Coverage\nFire and Theft Cover\nFlood\nLegal Liability\nPersonal Accidents\nThird-Party Coverage\nWindscreen\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/01/bolehkah-anda-memperbaharui-cukai-jalan-jika-ada-tunggakan-saman/", "title": "Bolehkah Anda Memperbaharui Cukai Jalan Jika Ada Tunggakan Saman?", "body": "Anda sedang mengemas laci untuk mencari geran kenderaan kerana ingin memperbaharui \ncukai jalan\n dan juga insurans kenderaan. Tetapi. tiba-tiba terjumpa surat saman. Baru anda teringat yang anda mempunyai tunggakan saman yang perlu dijelaskan. Jadi, bolehkah anda memperbaharui \ncukai jalan\n dan juga insurans sekiranya anda mempunyai saman yang tertunggak? Untuk soalan ini, selalunya anda akan menerima pelbagai jenis jawapan. Ada yang kata boleh. Tetapi ada pula yang kata tidak boleh. Mana satu yang betul? Jawapannya, anda perlu menyelesaikan tunggakan saman itu terlebih dahulu sebelum boleh memperbaharui cukai jalan dan juga insurans. Tidak kiralah saman Jabatan Pengangkutan Jalan (JPJ) atau pun saman Polis Diraja Malaysia (PDRM). Sebelum itu, ada dua jenis saman yang perlu anda tahu iaitu:\n\n\nSaman Senarai Hitam\n\n\nSaman jenis ini akan menghalang anda daripada \nmemperbaharui cukai jalan\n selagi tidak diselesaikan kerana rekod kesalahan anda telah dimasukkan ke dalam sistem JPJ. Selalunya saman jenis ini akan diberikan terus sewaktu sekatan jalan atau semasa anda ditahan di tepi jalan. Jika anda menerima surat Saman POL.257 atau Saman JPJ (P)22, segeralah langsaikan saman tersebut kerana ini bermakna nama anda bakal disenarai hitam. Contoh kesalahan yang dikenakan saman adalah :\n\n\n\n\nTak memiliki lesen memandu/lesen memandu telah tamat tempoh\n\n\nCukai jalan dan insurans telah tamat tempoh\n\n\nTak pakai tali pinggang keledar/topi keledar\n\n\n\n\nJika anda ingin memastikan status saman anda, anda boleh melayari laman web rasmi JPJ.\n\n\nSaman Bukan Senarai Hitam\n\n\nSaman jenis ini pula, surat saman akan dihantar terus ke alamat yang tertera dalam IC anda. Contoh saman adalah:\n\n\n\n\nSaman \u2018speedtrap\u2019/AES\n\n\nSaman ekor\n\n\nSaman kesalahan meletak kenderaan\n\n\n\n\nWalaupun nama anda tidak disenarai hitamkan, tetapi jangan bertangguh untuk menyelesaikan saman ini kerana anda boleh disaman lagi RM300 di bawah Seksyen 53 APJ 1987 bagi saman yang sedia ada.\n\n\nBagaimana Pula Dengan Saman Majlis Perbandaran?\n\n\nSelain JPJ dan juga PDRM, anda boleh disaman oleh kerajaan tempatan seperti Dewan Bandaraya Kuala Lumpur (DBKL) dan juga majlis perbandaran bagi isu tempat letak kenderaan. Antara contoh kesalahan adalah:\n\n\n\n\nTak bayar kupon tempat letak kereta\n\n\nDouble park\n\n\nTak parkir dalam kotak kuning\n\n\n\n\nJika dahulu, anda mungkin boleh mengabaikan sahaja saman daripada majlis tempatan ini. Tetapi bermula tahun 2011, pihak JPJ telah mula bekerjasama dengan majlis perbandaran untuk menguatkuasakan pungutan denda. Tetapi, anda tidak perlu risau, saman daripada pihak majlis perbandaran ini tidak akan terus senarai hitamkan nama anda. Anda masih boleh membuat pembayaran dalam tempoh 45 setelah disaman.\n\n\nUntuk Kereta Terpakai, Pemilik Lama Atau Pemilik Baru Yang Perlu Bertanggungjawab?\n\n\nAnda cuma perlu menunjukkan dokumen pembelian kereta seperti salinan borang pertukaran nama serta geran baru kepada pihak JPJ. Jika di dalam sistem saman tersebut dikeluarkan sebelum ditukar nama, nama tidak perlu membayar saman tersebut. Tetapi, jika anda membeli kereta tersebut secara ansuran dengan kawan dan masih belum ditukar nama, anda perlulah berunding dengan rakan anda itu supaya dia menyelesaikan samannya. Bagi anda yang tidak mempunyai duit untuk membayar saman-saman tersebut, anda boleh menunggu pihak berkuasa mengeluarkan diskaun saman. Bila dah bayar saman, jangan pula lupa untuk cepat-cepat \nmemperbaharui cukai jalan\n dan juga insurans.\n\n\nSaman yang diterima bukanlah murah, ada yang sampai beratus malahan beribu. Jadi, untuk menjimatkan belanja bagi pembaharuan \ncukai jalan\n dan insurans, anda boleh melayari laman web Fincrew.my bagi mencari pelan insurans yang bukan sahaja memberikan pelindungan terbaik tetapi juga dengan sebut harga yang berpatutan. Anda berpeluang \nmembandingkan pelan-pelan insurans\n dari syarikat-syarikat insurans yang ada di Malaysia pada bila-bila masa sahaja.\n\n\nTags:\nCukai Jalan\nDBKL\nJPJ\nMemperbaharui Cukai Jalan\nPDRM\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/27/motor-bodily-injury-in-auto-insurance/", "title": "Motor Bodily Injury In Auto Insurance", "body": "Bodily injury liability coverage applies to injuries you (the policyholder) cause to someone else (the third-party). If you drove an accident and are at fault, \nbodily injury\n liability coverage helps cover the other person\u2019s medical cost and lost income due to their injuries. Sometimes this coverage may also help pay for your legal fees over an accident that you caused. However, a \nbodily injury\n does not cover any cost you may get in the accident. It is deemed \u201cthird-party\u201d insurance because it only protects other drivers and passengers, not you.\n\n\nWhat Does Bodily Injury Liability Cover?\n\n\nBodily injury liability coverage\n may help cover the following three types of costs:\n\n\nMedical Expenses\n\n\nBodily injury liability coverage\n helps pay for the third party\u2019s emergency services and medical care if you are the at-fault driver in a car accident. Depending on how much content you purchase, it may also help cover follow-up doctor visits and other associated costs, such as buying crutches or a wheelchair.\n\n\nCompensation For Lost Wages And Income\n\n\nIf you caused an accident and the other driver needs to attend months of physical therapy as part of the recovery process, your bodily injury coverage might cover the expenses. Or, maybe the injured driver loses income or wages because he cannot work or perform his normal functions or responsibilities at his workplace. Your bodily injury liability coverage may help pay for the compensation in this scenario. The limits on the amount of payment the injured driver can receive for lost income depend on the amount of coverage you purchase.\n\n\nLegal Fees\n\n\nAfter an at-fault accident resulting in injuries to the \nthird party\n, you could be summoned to court by either the injured party or their insurance company. It outrightly will require you to seek legal counsel. Bodily injury liability coverage can also pay for your legal fees.\n\n\nHow Much Bodily Injury Liability Cover Do I Need?\n\n\nWhen buying bodily injury \nliability coverage\n, there\u2019s always a minimum liability coverage limit you must purchase. It\u2019s a good thing to check with your insurer to determine how much the policy is appropriate. You should also note that you can buy more coverage by increasing your liability limits. Furthermore, keep in mind that if the injured driver\u2019s medical costs exceed your bodily injury liability coverage limits, you will have to pay out of pocket to \ncover the remaining expenses\n. That\u2019s why it\u2019s essential to consider how much bodily injury liability coverage would be enough for you \u2014 and why you may want to purchase higher bodily injury liability coverage.\n\n\nBodily Injury Liability Policy Limits\n\n\nA bodily injury liability policy is subject to a limit. This limit is the maximum amount of money your \nauto insurance coverage\n will pay towards a covered claim. Bodily injury liability coverage has typically two policy limits:\n\n\n\n\nA per-person limit; and\n\n\nA per-accident limit.\n\n\n\n\nPer-Person Limit\n\n\nThe per-person limit applies to each individual injured in an accident. As an example, let\u2019s say your per-person liability limit is RM 50,000. If you caused an injury to a person, your \ninsurance provider\n would pay no more than RM 50,000 for all of their medical expenses.\n\n\nPer-Accident Limit\n\n\nThe per-accident limit applies to an accident in which multiple individuals are injured. So let\u2019s say your per-accident limit is RM 200,000. It implies that if you are at fault in a \ncar accident\n that injures two or more people, your insurer\u2019s highest pay for bodily injury liability for their combined expenses is RM 200,000.\n\n\nTags:\nBodily Injury Liability\nMotor Bodily Injury\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/27/is-it-possible-for-non-muslim-apply-for-islamic-personal-loan/", "title": "Is It Possible For Non-Muslim Apply For Islamic Personal Loan?", "body": "Are you a non-muslim and want to take out a \npersonal loan\n with reasonable rates in an Islamic bank? Are you wondering if it makes any difference which bank you choose? Well, you are not alone. Many people have asked these questions, and this article will address them.\n\n\nCompare Personal Loan In Fincrew\n\n\nCan a Non-Muslim Take A Loan From An Islamic Bank?\n\n\nIslamic banks\n welcome Muslims and non-Muslims alike, so this should not be an issue when \napplying for a \nloan\n. Instead, the most important thing to compare will be the rates and the conditions of financing, customer service, and the bank\u2019s ethics. Research carried out for Abu Dhabi Islamic Bank (Adib) showed that most customers value simple, straightforward, and transparent banking \u2013 for example, they want the full terms and conditions spelt out, so there are no misunderstandings. The concept of \u201cprofit rate\u201d is used by \nIslamic banks\n instead of \u201cinterest rate\u201d because they do not carry out financing in the form of loans. Still, the purchase and sale of tangible assets, such as cars, houses, commodities, or stocks, depends on what type of financing you seek.\n\n\nCheck your company eligibility & apply business loan online.\n\n\nIn Islam, Murabaha is a commonly used form of financing. This arrangement involves the bank purchasing an asset on behalf of the customer and reselling it to the customer at a premium price to pay back in instalments over a fixed period. There are certain advantages to a conventional \nloan\n for the customer. At the beginning of the financing term, customers have a fixed payment amount for the entire time, so it does not increase even if they extend. \nLate payment\n penalties do not apply, and profits do not compound. As a result of how the financing is structured, the customer has agreed to pay throughout the entire period. The banking system in Islamic countries generally works closely with its customers and is considerate if their circumstances change. For example, Adib provides job loss protection to everyone who takes out a Murabaha financing product. In addition, should they lose their job, companies will grant a six-month break on all repayment instalments on their personal and vehicle financing.\n\n\nWhat Is It About Islamic Banking That Would Make It Attractive To Potential Customers?\n\n\nTransparency\n\n\nIslamic banks base their returns on investment earnings rather than interest payments instead of conventional banks\u2019 complex \nfinancial\n engineering techniques. Their basis is moral principles, and some people might find that important. Moreover, the transparency of their dealings should make everything clear and easy to understand, with few chances for surprises or hidden fees.\n\n\nKeeping It Clean\n\n\nThe act of not doing \nbusiness\n with industries that oppose Islam is also a way to remove support from morally questionable enterprises such as gambling, prostitution, and pornography. Please do not worry; you can still use the funds in your Islamic bank account in any way. Nevertheless, you can be sure that you will not indirectly contribute to anything that morally offends you.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nAbu Dhabi Islamic Bank\nIslamic Bank\nIslamic Finance\nMurabaha\nPersonal Loan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/03/16/prosedur-yang-perlu-diikuti-sekiranya-anda-terlibat-dengan-kemalangan-jalan-raya/", "title": "Prosedur Yang Perlu Diikuti Sekiranya Anda Terlibat Dengan Kemalangan Jalan Raya", "body": "Terlibat dengan \nkemalangan\n jalan raya merupakan satu mimpi ngeri untuk kebanyakan pemandu, dan ia juga agak sukar untuk ditangani. Tidak ada istilah \u2018worry-free accident\u2019, jadi penting untuk mengetahui langkah-langkah yang betul untuk memulakan tuntutan \ninsurans kereta\n setelah berlakunya \nkemalangan\n. Berikut merupakan langkah-langkah yang harus anda ikuti sekiranya anda terlibat dalam \nkemalangan kereta\n.\n\n\n\n\n\n\n\u00a0\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nView this post on Instagram\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\u00a0\n\n\nA post shared by FinCrew (@fincrew.my)\n\n\n\n\n\n\n\n\nLangkah 1 \u2013 Matikan Enjin, Bertenang Dan Jangan Panik\n\n\nHidupkan \u2018hazard warning lights\u2019 dan juga lampu hadapan kereta anda kemudian keluar dari kenderaan sekiranya mampu. Kemudian periksa sekiranya ada sesiapa yang tercedera dan hubungi perkhidmatan kecemasan sekiranya ada yang memerlukan bantuan perubatan. Hubungi polis dan laporkan kemalangan tersebut.\n\n\nLangkah 2 \u2013 Jangan Menyalahkan Sesiapa Atau Menerima Kesalahan Di Atas Kemalangan Itu\n\n\nWalaupun kemalangan tersebut bukan berpunca daripada anda, menerima kesalahan serta menawarkan penyelesaian untuk menjaga adab, boleh menjerut anda kembali di kemudian hari. Syarikat insurans anda akan susah untuk memberikan kerjasama nanti.\n\n\nLangkah 3 \u2013 Mengumpulkan Kesemua Maklumat Serta Informasi Penting Tentang Kemalangan Itu\n\n\nCatatkan maklumat-maklumat berikut:\n\n\n\n\nMaklumat peribadi pemandu yang terlibat dalam kemalangan \u2013 nama, nombor IC, alamat, nombor lesen memandu, dan nombor telefon (sekiranya boleh)\n\n\nNama \nsyarikat insurans\n serta jenis/model dan nombor pendaftaran kenderaan lain yang terlibat\n\n\nNombor pendaftaran trak tunda (sekiranya ada)\n\n\nLokasi tepat kemalangan berlaku\n\n\nKelajuan anda memandu serta tarikh dan masa kemalangan\n\n\nCuaca dan keadaan jalan\n\n\nMasa polis tiba, juga nama dan nombor lencana mereka\n\n\nSaksi (jika boleh, dapatkan nama dan juga maklumat untuk menghubungi mereka)\n\n\n\n\nLangkah 4 \u2013 Ambil Foto Kejadian\n\n\nGambar merupakan bukti kemalangan itu, dan ia mestilah merangkumi kenderaan pemandu lain yang terlibat, plat kenderaan, sebarang kekacauan yang dilakukan terhadap kedua-dua kenderaan, arah perjalanan kedua-dua kenderaan serta tanda lalu lintas. Agak sukar untuk mengingat kembali segala butiran ini walaupun hanya selepas beberapa jam kejadian itu berlaku. Foto-foto ini dapat membantu syarikat insurans dan juga pihak polis.\n\n\nLangkah 5 \u2013 Buat Laporan Kemalangan\n\n\nPastikan laporan kemalangan itu merangkumi nama semua pegawai polis, nombor lencana dan juga maklumat untuk dihubungi. Maklumat ini sangat berguna untuk \ntuntutan insurans\n dan boleh membantu anda sekiranya kes ini berlanjutan hingga ke mahkamah.\n\n\nLangkah 6 \u2013 Telefon Trak Tunda\n\n\nJika kereta anda tidak selamat untuk dipandu, hubungi syarikat insurans anda untuk mendapatkan servis \u2018roadside assistance\u2019(sekiranya ada) atau Bantuan Kemalangan untuk menarik kereta anda ke bengkel panel terdekat untuk dibaiki dan pulang dengan selamat.\n\n\nLangkah 7 \u2013 Memfailkan Tuntutan\n\n\nKemukakan tuntutan dengan menghubungi syarikat insurans secepat mungkin. Kebanyakan polisi memerlukan anda untuk membuat laporan terhadap insiden yang berlaku secepat mungkin. Ingat! Jangan tandatangan sebarang dokumen dari peguam pemandu lain atau syarikat insuransnya. Syarikat insurans anda akan menguruskan semua ini untuk anda.\n\n\nLangkah 8 \u2013 Jaga Diri Anda\n\n\nSelalunya, kecederaan fizikal dan juga emosi akibat kemalangan tidak dapat dilihat serta merta dan mungkin berbeza bagi setiap orang. Sebelum anda kembali ke rutin harian anda, sebaiknya dapatkan rawatan perubatan. Kecuali anda benar-benar yakin bahawa anda tidak mengalami sebarang kecederaan.\n\n\n\n\nKemalangan kereta\n boleh mengakibatkan pemandu yang paling bersedia pun letih. Tetapi dengan mengikuti langkah-langkah ini, ia akan membantu melindungi anda daripada perasaan bimbang. Dengan ini anda boleh fokus untuk berurusan dengan syarikat \ninsurans\n bagi membaiki kereta anda tanpa sebarang masalah dengan lebih cepat daripada apa yang anda harapkan.\n\n\nTags:\nAccidents\nCar Accident\nKemalangan Jalan Raya\nRoad Accident\nRoadside Assistance\nTow Truck\nTuntutan Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2020/10/21/how-grab-deal-with-incidental-liability/", "title": "How Grab Deal With Incidental Liability?", "body": "Grab, and its rivals have drastically transformed the personal transportation industry in recent times, resulting in benefits and drawbacks for Grab drivers, especially when it comes to how to deal with \nincidental liability\n. The question of who is responsible for the damages caused when a Grab driver gets into an accident while conveying a customer, especially when the driver only has personal \ninsurance\n, is a tricky one because it depends on the accident\u2019s situations. It could be the responsibility of the driver or another party.\n\n\nJoin Fincrew Official Telegram Channel\n\n\nSo Does Grab Offer Insurance To Their Drivers?\n\n\nGrab does offer some form of personal \naccident insurance\n to its drivers and passengers. It normally covers both the driver and passenger for incidental death, permanent disablement, and medical expenses. This insurance holds for injuries sustained as a result of an accident during a covered trip with Grab. However, Grab \ninsurance does not cover\n a host of other catastrophic happenings that could occur while servicing customers. For example, as a Grab driver, if an accident occurs and your vehicle was damaged, you can\u2019t claim the \npersonal accident insurance\n offered by Grab. You will be informed this falls under the domain of your \ncar insurance\n coverage. More so, Grab insurance will not cover you for third party damages or legal liabilities to or of passengers.\n\n\nDo Personal Insurance Covers Grab Drivers\n\n\nAll personal \ninsurance policy\n, whether \u2018third party,\u2019 \u2018third party, theft & fire\u2019 or \u2018comprehensive policy,\u2019 does not cover accidents that occur during commercial activities. That is when you were using your car to transport passengers, and you were making money directly. If an accident occurs during the trip, you can\u2019t claim your personal coverage. This happens all the time. For example, a Grab driver reported how he couldn\u2019t make a claim when his passenger alighted from his car and was hit by an onrushing motorcycle, causing injury to the passenger and \ndamage to his car\n. The driver could not successfully claim from Grab and his personal \ncar insurance\n company because his insurance did not cover damages from accidents that occur during commercial trips, which is typical for most private plans. So, even though you have some coverage from Grab and a private insurer, it\u2019s clear that it isn\u2019t enough.\n\n\nJoin Fincrew Official Youtube Channel\n\n\nSo As A Grab Driver What Are Your Options\n\n\nYour best option for better coverage as a Grab driver is to \nbuy insurance\n add-ons. Several insurance companies do offer protection to all Grab drivers out there by selling different add-ons to the private insurance plans they already carry. Most of all, these add-ons provide all-in-one 24/7 protection for yourself, your vehicle, and other third-party road users.\n\n\nTags:\nGrab\nIncidental Liability\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/07/04/do-extended-warranty-cover-car-battery/", "title": "Do Extended Warranty Cover Car Battery?", "body": "Car batteries are considered consumables, and they sometimes only have a limited period of full warranty coverage. Therefore, when buying a car, it\u2019s a good idea to check the manufacturer\u2019s warranty since warranties can differ. Will your \nextended warranty\n cover a new battery if your \ncar battery\n is dead?\n\n\nDo My Extended Car Warranty Policy Covers Dead Battery?\n\n\nPlease take note that its manufacturer\u2019s warranty no longer covers your car. Instead, you decide to take out an \nextended warranty\n or if you purchase a pre-owned vehicle older than three years. If you choose to take out a contract, it is essential to check the policy details, as many providers exclude the battery from their coverage. Batteries are typically not covered by extended warranties as they are considered \u201cwear & tear\u201d items, such as tires, brake pads, and motor oil. It is nearly universal, as almost all extended warranties exclude batteries. Your battery may be covered by its security, even if your \ncar\u2019s extended warranty\n doesn\u2019t cover it. In this regard, AAA is perhaps the most well-known example \u2013 as its batteries are warrantied for up to 36 months.\n\n\n\n\nWhat Are The Different Types Of Automobile Batteries?\n\n\nMost cars are equipped with SLI (starting, lighting, and ignition) batteries. SLI batteries have a shallow charge cycle, so they charge quickly and drain quickly too, but since starting your car only requires a short burst of energy, they provide ample power for most cars. A deep cycle battery provides power over an extended time frame and is typically used for golf buggies and marine vehicles. Batteries can be categorized into several types, including VRLA batteries, which don\u2019t need regular maintenance and are sealed, and AGM batteries and gel cell batteries. Hybrids and electric cars utilize lithium-ion batteries, storing a more significant amount of power and lighter weight.\n\n\nHow To Maintain Your Car Battery?\n\n\nThere is nothing more heart-wrenching than discovering that your car\u2019s ignition has died and your battery is dead. What a way to start your day! For your long-lasting and efficient \ncar battery\n to last longer, follow these steps:\n\n\n\n\nMaintain a clean, tight connection between the terminals\n\n\nKeeping the terminal connections clean is essential to avoid building dirt and grease.\n\n\nProtect terminal connectors from corrosion by coating them with petroleum jelly\n\n\nIt would be best if you avoid long periods without using your car \u2013 even a short trip will help your battery to recharge\n\n\nThe best way to protect your vehicle in icy weather is to park it in a garage\n\n\nCheck at reasonable intervals when your battery is serviced regularly\n\n\n\n\nWhy Should You Consider Buying An Extended Car Warranty?\n\n\nThere are two main benefits to extended warranties:\n\n\n\n\nYou could save money. Even if you have to cover a portion of the bill, your \nextended warranty\n could end up covering the costs of a costly repair.\n\n\nIt ensures peace of mind.\n\n\n\n\nTags:\nCar Battery\nCar Repair\nExtended Warranty\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/25/a-guide-to-get-business-loans-for-sole-proprietors/", "title": "A Guide To Get Business Loans For Sole Proprietors", "body": "The opportunities that come with owning a business are enormous but require a lot of discipline, time, effort, and money. As a sole proprietor, capital is vital for your growth and success. Because of this, many business owners look for \nbusiness loans\n to get the funding they require. Here, we will be discussing business loan options for sole proprietors.\n\n\nCheck your company eligibility & apply business loan online.\n\n\nWhat Exactly Is a Sole Proprietorship?\n\n\nLet\u2019s get the basics first: a sole proprietorship is a \nbusiness\n owned and operated by just a person, with no legal distinction between the owner and the business entity. It\u2019s perfect for anyone who can succeed by working alone (or perhaps with one additional employee), such as:\n\n\n\n\nFreelancers\n\n\nConsultants\n\n\nHousekeepers\n\n\nOne-person accounting businesses\n\n\n\n\nA \nsole proprietorship\n presents a problem when seeking financing because the company\u2019s earnings and \nfinancial\n obligations are virtually identical to yours. Therefore, any effect on the company\u2019s creditworthiness will also impact you. \nGetting a loan\n can be time-consuming and challenging if you don\u2019t know all your financing options as a \nsole proprietorship\n. Let\u2019s get started.\n\n\nWhat Are Your Financing Options?\n\n\nSpend some time reviewing your business plan and goals, and then carefully consider which financing option is best for you at this time.\n\n\nTerm Loans\n\n\nMost people think of a term loan as a \u201ctraditional loan.\u201d The lender offers a lump sum payment for a fixed or floating interest rate. You, as the borrower, are responsible for repaying the loan by a predetermined repayment schedule. These business loans are typically not tied to any specific purpose, such as purchasing equipment or paying employee salaries. You can use the borrowed funds for short-term and long-term business objectives. Please remember that you may be \nrequired to provide collateral to secure the loan\n.\n\n\nBusiness Line Of Credit\n\n\nIt is a flexible \nbusiness loan\n that allows you to borrow up to a predetermined amount, or credit limit, to meet short-term needs. When you have a business line of credit, you can access some or all of the funds as needed. After you have fully paid off a portion of your line of credit, the entire amount is available again. Although business lines of credit function similarly to \ncredit cards\n, they are not the same. Credit cards have higher interest rates, and a line of credit does not always require a monthly payment structure.\n\n\nCompare and apply for the best credit cards\n\n\nInvoice Factoring\n\n\nInvoice factoring is a type of small business financing in which a company sells invoices to a company for cash upfront. When the customer pays the invoice, they pay the remaining balance to the business owner, less a fee. Invoice factoring enables you to obtain the working capital required to cover business expenses and plan for the future without incurring the fixed monthly payments associated with a term loan. This financing option is essentially an \u2018advance\u2019 on pending invoices and is an excellent way to solve short-term cash flow issues.\n\n\nMerchant Cash Advance\n\n\nA cash advance is a business financing given to a company in exchange for a certain percentage of revenues or credit card sales. A merchant cash advance is not the same as a loan. With a cash advance, you and the lender agree on an acceptable transfer schedule based on your revenue\u2014also known as the remittance. They transfer remittance to the lender based on a predetermined amount deducted automatically from your credit card or bank account.\n\n\nFinal Thoughts\n\n\nThe most important consideration when applying for \nbusiness loans\n and financing is your liability as a sole proprietor. In contrast to a corporation, there is no distinction between your business and \npersonal finances\n. You and your company are jointly and severally liable for any debts incurred. In some ways, taking out a sole proprietorship loan is similar to taking out a \npersonal loan\n.\n\n\nCompare Personal Loan In Fincrew\n\n\nAt Fincrew, we know that a small business entails much more than a balance sheet or credit rating. It doesn\u2019t limit access to \nsmall business loans\n and other forms of financing to those with a solid track record in the industry or a cunning business plan in a leather folio. Discuss your financing options and the best way to obtain funding for your company with one of our experts.\n\n\nInstant credits to repair your car from RM1,000 to RM5,000\n\n\nTags:\nBusiness Loan\nInvoice Factoring\nMerchant Cash Advance\nSME\nSME Loan\nTerm Loans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/24/langkah-yang-perlu-diambil-jika-kereta-anda-dirosakkan-oleh-perusuh/", "title": "Langkah Yang Perlu Diambil Jika Kereta Anda Dirosakkan Oleh Perusuh", "body": "Sebagai rakyat Malaysia, kita perlu bersyukur kerana negara ini masih aman dan tidak terlibat dalam kancah peperangan. Rusuhan juga sangat-sangat jarang berlaku. Kalau ada pun, jarang sehingga menyebabkan kerosakan kenderaan orang awam. Tetapi pada tahun 2018, berlaku satu kejadian di mana 18 kereta telah dirosakkan oleh pihak yang tidak bertanggungjawab. Keadaan ini sedikit sebanyak pastinya merisaukan orang awam. Walaupun negara ini jarang berlaku kes kekacauan yang serius, tidak salah sekiranya kita sebagai pemilik kenderaan mengambil langkah berjaga-jaga dengan membeli \npelindungan tambahan\n untuk kenderaan masing-masing. Bagi anda yang telah bersedia dengan pelindungan tambahan ini, berikut merupakan langkah-langkah yang perlu anda lakukan sekiranya terpaksa berhadapan dengan situasi yang tidak diingini ini.\n\n\n1. Melarikan Diri\n\n\nKadang-kadang kita tidak tahu bila sesuatu situasi itu akan bertambah buruk. Sekiranya anda sedang berada di dalam kenderaan sewaktu kekacauan tersebut bertambah buruk, lebih baik anda tinggalkan sahaja kereta anda di situ dan melarikan diri ke tempat yang selamat. Kalau sempat parkir kereta anda ditempat yang dirasakan selamat sebelum keluar menyelamatkan diri. Pada waktu ini, keselamatan dan juga nyawa adalah lebih penting berbanding kereta. Setelah anda berada agak jauh dari kawasan tersebut, barulah fikirkan apa yang seharusnya anda lakukan seperti menelefon pihak berkuasa untuk mendapatkan bantuan dan memaklumkan keadaan anda kepada ahli keluarga atau sahabat handai.\n\n\n2. Kereta Dibakar\n\n\nJika ini berlaku, lari sejauh yang anda boleh daripada kenderaan tersebut. Sekiranya api masih lagi kecil, anda boleh cuba memadamkan kebakaran tersebut dengan menyembur pemadam api sekiranya ada. Jika tidak, larikan sahaja diri anda jauh dari tempat tersebut. Ini kerana letupan boleh berlaku tanpa sebarang amaran. Tidak berbaloi untuk cuba menyelamatkan kereta anda sekiranya nyawa anda pula yang melayang.\n\n\n3. Buat Laporan Polis\n\n\nJika sempat, sebelum anda bergerak ke balai polis, cuba untuk tangkap gambar kereta yang dirosakkan oleh \nperusuh\n itu. Tapi anda perlu berhati-hati kerana takut jika keadaan bertambah kecoh, anda pula yang akan dibelasah nanti. Laporan polis dan juga gambar bukti kerosakan ini penting sekiranya anda ingin \nmembuat tuntutan insurans\n. Ingat! Pastikan laporan polis dibuat dalam tempoh 24 jam.\n\n\n4. Buat Tuntutan Kepada Syarikat Insurans\n\n\nWalaupun anda telah membeli \npelan insurans\n \nkomprehensif\n, pihak insurans tidak akan memberikan pelindungan terhadap sebarang kerosakan yang berlalu akibat rusuhan dan kekecohan awam. Tetapi, anda boleh mendapatkan pelindungan tambahan dari rusuhan atau vandalisme sewaktu membeli atau \nmemperbaharui insurans kereta\n tersebut. \nSyarikat insurans\n akan mengenakan yuran tambahan sebanyak 0.3% daripada bayaran jumlah insurans tahunan. Sebagai contoh, sekiranya \nnilai insurans kereta\n anda adalah RM50k, anda perlu membuat bayaran tambahan sebanyak RM150 untuk mendapatkan pelindungan tambahan ini. Anda boleh melayari laman web \nperbandingan insurans\n Fincrew untuk mendapatkan maklumat yang lebih tepat tentang pelan tambahan ini. Anda juga boleh membandingkan \npelan insurans\n syarikat-syarikat insurans yang ada di Malaysia bagi memudahkan anda untuk membuat keputusan.\n\n\n5. Boleh Membuat Tuntutan Kepada \nPerusuh\n\n\nKalau anda mampu, anda boleh membawa kes ini ke mahkamah. Tetapi pastikan anda mempunyai bukti yang kukuh seperti gambar atau rakaman video yang menunjukkan dengan jelas wajah pelaku yang merosakkan kereta anda. Tetapi, kes seperti ini akan mengambil masa yang agak lama.\n\n\nLangkah terbaik yang boleh anda lakukan adalah dengan sentiasa berhati-hati terutamanya sewaktu memakir kenderaan. Jauhi kawasan-kawasan demontrasi atau ceramah-ceramah politik. Sekiranya anda merasakan kawasan tempat tinggal anda itu selalu berlaku pergaduhan, mungkin langkah terbaik adalah membeli pelindungan tambahan ini sebagai satu jaminan kewangan.\n\n\nTags:\nperusuh\nRusuhan\nSyarikat Insurans\nTuntutan Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/08/02/apakah-yang-akan-berlaku-jika-lesen-memandu-saya-tamat-tempoh-sewaktu-kemalangan/", "title": "Apakah Yang Akan Berlaku Jika Lesen Memandu Saya Tamat Tempoh Sewaktu Kemalangan?", "body": "Jika anda mahu memandu kereta di Malaysia, anda perlu mempunyai \nlesen memandu\n yang sah. Kerajaan menghendaki semua orang memperbaharui lesen mereka secara berkala? Apa yang bakal berlaku sekiranya anda terlepas memperbaharui lesen anda dan terlibat dalam kemalangan? Berikut merupakan maklumat yang perlu anda tahu sebagai persediaan sekiranya terpaksa berhadapan dengan situasi tersebut.\n\n\nTidak Memperbaharui Lesen Memandu Boleh Mengakibatkan Anda Didenda\n\n\nAnda perlu memastikan \nlesen memandu\n anda adalah sah dan mematuhi undang-undang. Lesen yang telah tamat tempoh bermakna anda bakal dikenakan denda, yang mana adalah perkara yang amat serius di Malaysia. Menurut undang-undang, anda mungkin perlu membayar RM1,000 dan mungkin akan turut dikenakan hukuman penjara selama 3 bulan. Selain daripada risiko didenda, lesen memandu yang sah juga akan memberikan anda ketenangan fikiran. Undang-undang diwujudkan bersebab, dan setiap orang perlu mematuhinya.\n\n\nApa Yang Akan Terjadi Jika Saya Terlibat Dalam Kemalangan Dan Lesen Saya Telah Tamat Tempoh?\n\n\nAnda mungkin tidak menyedari bahawa lesen anda telah luput kerana anda terlupa untuk menyemak tarikhnya. Mungkin anda terlupa untuk memperbaharuinya. Walau bagaimanapun, undang-undang tidak peduli dengan sebab ini, yang paling penting, lesen anda tidak sah pada masa kemalangan. Sekarang, mari kita bayangkan, anda sedang memandu kenderaan dan melakukan segala mengikut apa yang telah ditetapkan, tapi seseorang melanggar anda dari belakang. Lebih baik jika tidak bersalah mengakibatkan kemalangan tersebut, ini bermakna \ninsurans akan menanggung segala kerosakan\n. Tapi, benarkah begitu? Sukar untuk memberikan jawapan yang tepat kerana ia mungkin bergantung pada \nsyarikat insurans\n dan juga polisi yang anda pilih. Itulah sebabnya perkara terbaik yang boleh anda lakukan, adalah dengan membaca terma serta syarat perjanjian anda. Anda perlu melihat bahagian pengecualian dalam polisi tersebut. Kebanyakan agensi tidak akan membayar pampasan atas kerosakan jika lesen memandu anda tidak sah. Ini bermakna pemandu yang terlibat dalam kemalangan itu tidak akan mendapat pampasan sekiranya tidak memiliki lesen memandu yang sah. Terdapat beberapa pengecualian yang dibuat oleh \nsyarikat insurans\n pada masa lalu, Itulah sebabnya membaca terma perjanjian adalah jawapan terbaik yang dapat kami berikan kepada anda.\n\n\nBagaimana Jika Orang Lain Yang Memandu Kereta Tersebut?\n\n\nKatakanlah anda terlibat dalam kemalangan, tapi rakan anda yang memandu. \nSyarikat insurans\n dan polis akan melihat lesen siapa yang memandu. Ini bermakna \npolisi insurans\n anda sah untuk kes seperti ini. Tarikh tamat tempoh lesen memandu anda tidak bermaksud anda telah melanggar polisi insurans anda. Tapi tindakan anda yang \nmemandu tanpa lesen\n yang sah yang telah melanggar polisi tersebut.\n\n\nPandemik COVID-19 Dan Mengapa Lesen Memandu Kereta Tamat Tempoh Sah Pada 2020?\n\n\nWalaupun wabak Covid-19 telah mempengaruhi seluruh dunia, kerajaan Malaysia telah mencuba sebaik mungkin untuk mengambil tindakan bersama dengan melaksanakan Perintah Kawalan Pergerakan (PKP). Pada ketika ini, kita sedang berada dalam fasa Perintah Kawalan Pergerakan Pemulihan (PKPP). Menurut maklumat yang diberikan oleh pihak berkuasa, anda tidak diwajibkan untuk memperbaharui lesen memandu selagi PKPP masih lagi dilaksanakan, iaitu sehingga 31 Disember 2020. Ini bermakna undang-undang akan menganggap lesen anda sah walaupun sebenarnya ia sudah tamat tempoh. Walau bagaimanapun, anda perlu diingatkan bahawa anda mempunyai masa selama 30 hari bermula dari tarikh tamat PKPP untuk memperbaharui dokumen tersebut.\n\n\nTags:\nKemalangan\nLesen Memandu\nPerintah Kawalan Pergerakan Pemulihan\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/20/is-heart-attack-considered-accidental-death/", "title": "Is Heart Attack Considered Accidental Death?", "body": "Do people often ask about whether a \nheart attack\n is considered an \naccidental death\n? These questions usually come up with policies such as \naccidental death\n and dismemberment (AD&D) and accident policies \u2013 all of which may pay a death benefit, but only if the cause of death was an accident. Having explained how those options work, it is only natural that some people have questions about whether a \nheart attack\n is considered accidental? Defining what accidental death is and is not. It\u2019s not always easy to figure out the solution. Let me first explain what an accidental death means.\n\n\nWhat Is An Accidental Death?\n\n\nA death caused by an unintentional injury is accidental death. Intentional, self-inflicted injuries may not be an unexpected death, nor would deaths caused by disease, old age, or other natural causes. Let\u2019s start by going over some common accidental death examples to understand an accidental death better.\n\n\n\n\nAccidental Death Examples\n\n\nAlmost every day, we hear about examples of accidental deaths. There are many different types of unintentional deaths caused by accidental injuries every day, ranging from people shot to fatal traffic accidents. An important factor determining whether a death is accidental or not is whether some unintentional injury caused it. Here are some examples of deaths caused by unintentional injuries:\n\n\n\n\nPoisoning\n\n\nAuto accidents\n\n\nFalls\n\n\nMurder (or Homicide)\n\n\nSuffocation\n\n\nDrowning\n\n\nFire or burns\n\n\nPedestrian deaths\n\n\nAdverse effects to medication\n\n\nOther land transportation\n\n\nOther unspecified accidents\n\n\n\n\nCan Accidental Life Insurance Cover Heart Attacks?\n\n\nA heart attack is not under \naccidental death insurance\n. The unexpected death \nlife insurance\n covers death resulting from an accident (for example, a car accident or a plane accident). A heart attack is a health-related death, not an accident. As such, \naccidental life insurance\n won\u2019t cover it.\n\n\nDo Life Insurance Policies Cover Heart Attacks?\n\n\nYou would be covered for heart attacks if you honestly answered the questionnaire and passed the medical exams (for medically underwritten life insurance). If you provide false answers on the questionnaire and have a heart attack history, they will reject your \nclaim\n. As long as you answer all the questions correctly, you can find different types of \nlife insurance\n (such as no medical life insurance or traditional rated life insurance) regardless of your heart attack history. When you have heart issues, an insurance company will want to know how long it\u2019s been since your condition has stabilized.\n\n\nFollowing a Heart Attack, Which Types Of Life Insurance Are Available To Me?\n\n\nThe answer depends on the severity of your previous heart issues, how long ago the last issue was, and the stability of your current heart health. If you can genuinely answer \u201cno\u201d to the heart-related questions in a simplified life insurance questionnaire, or if the questionnaire does not include any heart-related questions, you may qualify for simplified life insurance. You can also qualify for traditional life insurance under medical reasons in some circumstances (e.g., if you\u2019re in a stable condition and had a heart attack)\u2014 it is the type of insurance for rated traditional life insurance (or rated standard life insurance). If you are uncertain about the answer to a question, ask the \ninsurance company\n for clarification and get a written response.\n\n\nTags:\nAccidental Death\nAccidental Death And Dismemberment Insurance\nAccidental Death Insurance\nHeart Attack\nLife Insurance\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/01/03/bagaimana-syarikat-insurans-auto-memeriksa-latar-belakang-anda/", "title": "Bagaimana Syarikat Insurans Auto Memeriksa Latar Belakang Anda?", "body": "\n\nMengambil insurans kenderaan merupakan urusan serius. Lebih banyak yang diperlukan berbanding apa yang anda tahu. Anda mungkin telah sedar bahawa \nsyarikat insurans\n kenderaan meneliti sejarah pemanduan anda sebelum menawarkan \ninsurans\n kepada anda. Namun, tahukah anda mereka turut meneliti rekod kewangan dan rekod jenayah anda juga? Adakah anda ingin mengetahui bagaimana dan mengapa kebanyakan \nsyarikat insurans\n melakukan proses ini? Kami akan membongkarkan semuanya dalam video ini!\n\n\nHai, dan terima kasih kerana menyertai saya dalam episod hari ini! Saya duta jenama Fincrew Yuna. Semasa mengambil \npolisi insurans\n, sememangnya penting untuk anda memahami apa yang ada di dalamnya. Mengetahui sebanyak mungkin faktor-faktor yang diteliti oleh syarikat insurans mengenai anda sebelum mengeluarkan polisi, adalah sebahagian besar cara untuk mempersiapkan diri anda untuk segalanya. Itulah sebabnya, siri ini- Video Insurans360 direka bagi membantu para pemilik kenderaan memperoleh pemahaman yang lebih mendalam tentang bagaimana dunia insurans beroperasi. Pastikan anda tidak ketinggalan! Sertai kumpulan kami dan dapatkan maklumat mendalam mengenai semua perkara berkaitan insurans! Anda cuma perlu menekan ikon \u2018Subscribe\u2019 dan aktifkan notifikasi!\n\n\nSatu perkara penting yang perlu anda ambil perhatian mengenai insurans secara amnya dan pelindungan auto secara khususnya adalah, semuanya berkaitan dengan risiko. Anda kemungkinan tidak akan membebankan syarikat insurans anda dengan kos yang lebih banyak berbanding apa yang anda bayar sebagai premium. Sama juga, syarikat insurans anda mungkin akan mengeluarkan belanja lebih banyak untuk mengekalkan polisi anda berbanding apa yang anda bayar sebagai premium, dalam kes ini mereka yang rugi. Sebab itulah, penilaian risiko sangat penting bagi \ninsurans kenderaan\n. Ini mempunyai kaitan langsung dengan apa yang akhirnya anda bayar sebagai premium.\n\n\nRisiko Rendah Sama Dengan Premium Rendah Dan Risiko Tinggi Sama Dengan Premium Tinggi\n\n\nUntuk menentukan tahap risiko dengan tepat bagi memberikan pelindungan kepada anda, pihak insurans akan memeriksa perkara berikut mengenai anda:\n\n\n\n\nSejarah pemanduan anda\n\n\nSejarah kredit dan kewangan anda dan\n\n\nRekod jenayah anda\n\n\n\n\nSejarah Pemanduan Anda\n\n\nIni biasanya maklumat pertama dan terpantas yang boleh dicari oleh syarikat \ninsurans kenderaan\n ketika menyediakan tawaran pelindungan kepada anda. Ini adalah mustahak bagi syarikat insurans kerana mereka percaya bahawa cara pemanduan anda pada masa lalu adalah petunjuk paling jelas tentang bagaimana anda mungkin memandu pada masa hadapan. Setiap syarikat insurans mempunyai alat untuk melihat sejarah pemanduan anda di komputer mereka. Sekiranya sejarah anda dipenuhi dengan kes-kes tuntutan kesalahan, anda boleh menjangkakan premium anda akan menjadi sangat tinggi.\n\n\nRekod Kredit Anda\n\n\nPerkara berikutnya yang mereka akan lihat adalah latar belakang kewangan anda. Motivasi utama untuk melakukan pemeriksaan ini adalah untuk memastikan sama ada anda akan dapat membayar apa yang anda harapkan sebagai premium. Untuk ini, banyak syarikat insurans biasanya akan menggunakan maklumat kredit yang anda isi semasa memohon polisi untuk berhubung dengan bank anda.\n\n\nRekod Jenayah Anda\n\n\nTindakan jenayah tertentu sebenarnya berkaitan dengan polisi insurans kenderaan anda. Sebagai contoh, jika anda pernah terlibat dengan kes langgar lari, ini mungkin akan mempengaruhi sama ada syarikat insurans anda akan memperluaskan pelindungan anda atau tidak. Ini tanpa mengira keputusan kes. Kadang kala alat mudah seperti enjin carian lebih daripada cukup untuk mendedahkan sesuatu rekod jenayah. Dalam kes lain, syarikat insurans anda mungkin akan menghubungi pihak polis untuk memeriksa maklumat mengenai anda.\n\n\nSavings up to RM300 + Road Tax Deliver To Your Door Step\n\n\nKami akan mendedahkan dengan lebih lanjut mengenai hal ini dalam video berikutnya, jadi pastikan untuk terus menonton! \u2018Subscribe\u2019 saluran ini, dan jangan lupa untuk mengaktikfkan notifikasi. Jumpa anda lagi dalam video kami yang seterusnya!\n\n\nTags:\nInsurans Auto\nInsurans Kenderaan\nSyarikat Insurans\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/10/13/what-is-a-robo-advisor-and-how-does-it-work/", "title": "What Is a Robo Advisor And How Does It Work?", "body": "Robo advisors\n appeal to anyone who has ever wanted a robot to clean their house or walk their dog. Indeed, clients who use the \nRobo advisor\n service don\u2019t get their windows cleaned, or their pets cared for. Still, they get something more valuable: an opportunity to invest relatively hands-off.\n\n\nWhat Is a Robo Advisor?\n\n\nA \nRobo advisor\n is a platform that provides automated, algorithm-driven \nfinancial\n planning services with minimal human involvement. \nRobo advisors\n typically ask you about your financial situation and future goals through an online survey; then, the program offers investing advice and automatically supports you. Most \nRobo advisors\n offer simple account setup, goal planning capabilities, portfolio monitoring, and account services. Additionally, they provide quality customer service, \ncomprehensive\n educational materials, and low fees.\n\n\nHow Much Do Robo Advisors Cost?\n\n\nUsing a robot advisor is much lower than hiring a human financial advisor. Typically, management fees range between 0.25% and 0.50% per year, but there are even free options such as Sofi Automated Investing. The fee structure of Robo advisors is similar to that of other \nfinancial advisor\n. For example, with an account balance of RM10,000, you might only pay RM25 a year. It is usually swept from your account and billed monthly or quarterly. Robo advisors typically don\u2019t charge transaction fees. Most brokerage accounts charge commissions on purchases, as well as on deposits and withdrawals of money. Robo advisors typically waive these fees.\n\n\nRobo Advisory Features\n\n\nPortfolio Management\n\n\nA Robo advisor creates the best portfolios based on an investor\u2019s preferences. A portfolio is usually constructed based on a variant of Modern Portfolio Theory, which emphasizes the allocation of funds to stocks that do not have a perfectly positive correlation. A Robo advisor usually allocates funds to risky assets and risk-free assets according to the goals and risk profile of the investors as economic conditions change, changing the weight of complex and free support, robot-advisors monitor and rebalance the portfolio.\n\n\nTax-Loss Harvesting\n\n\nBy utilizing tax-loss harvesting, investors will be able to sell securities at a loss and save tax on capital gains. The process takes place at the end of a year. Investors avoid paying taxes on income by selling a security at a loss. While investing in similar security, it is imperative to maintain a portfolio allocation to benefit from a market rise. A Robo advisor automates the process so users can benefit from tax-loss harvesting with ease.\n\n\nRobo Advisors: Are They Safe?\n\n\nI want to point out that Robo advisors are neither safe nor risky. The riskiness of a portfolio controlled by a Robo advisor entirely depends on the investor\u2019s preferences. Robo advisors help investors determine the risk level that suits their needs and the timeline they wish to invest within. A risk-tolerant investor will typically select a portfolio with higher returns but lower volatility (e.g., more stocks, fewer government bonds). A risk-averse investor will choose a portfolio with lower returns but lower volatility (e.g., a relatively higher concentration of risk-free securities). The ability of Robo advisors to curate personalized portfolios is due mainly to the fact that they assess each investor\u2019s appetite for risk.\n\n\nTags:\nFinancial Advisor\nGovernment Bond\nInvestment\nRobo Advisor\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/05/13/waiver-of-betterment-in-auto-insurance/", "title": "Waiver Of Betterment In Auto Insurance", "body": "The purpose of a motor insurance policy is to restore the owner\u2019s financial status to what it was before the accident. \nBetterment\n is applied when replacing an old part of an accident-damaged vehicle with a new one as part of the repair process. \nBetterment\n is a percentage of consumers\u2019 cost to bear when a damaged part is replaced with a new original part. Because the car will be in better working condition before the accident, \ninsurance providers\n require that the car\u2019s owner pay for the cost difference.\n\n\nBetterment In Auto Insurance Explained\n\n\nA thoroughly responsible person for your accident cannot be held liable for your car\u2019s aging and depreciating value. In practice, the permanent non-movable parts that make up a car (for instance, the car door, bonnet, mudguard, or boot cover) are rarely subject to depreciation because they are usually repaired rather than replaced. An item\u2019s depreciation occurs due to its age or uses, determining how much of the settlement you receive. Some components on your car have a \u201clife expectancy,\u201d and your \ninsurance\n provider may take that into account. For instance, if your tire on the vehicle is estimated to last 60,000 miles but utilized for 30,000 miles at the \ntime of the accident\n, your insurance company may choose to pay only 50% for a new tire. In most cases, insurance companies will not cover the cost of parts superior to those that are repaired or replaced on a vehicle during the repair process. A \ncar insurance company\n should make you whole after a collision, not better off than before. It simply replaces the car parts with better or more expensive ones that would qualify as \u201cbetterment\u201d for car insurance claims.\n\n\nLiberalization Of Motor Insurance In Malaysia\n\n\nMotor insurance\n liberalization in Malaysia began in July 2016. The general insurance sector is in the process of full liberalization in phases, in which many new products are being proposed to meet the changing needs of consumers. Up until now, 66 new motor products have been released on the market. They can find the best cover for the customer\u2019s needs and budget by shopping around. To fully understand their coverage and their rights in the event of an accident, policyholders are advised to review their \nmotor policy\u2019s\n terms and conditions carefully. Consumers can lodge complaints directly with the Ombudsman for Financial Services (OFS) when they disagree with the insurer on \nmotor insurance\n claims. OFS is an independent alternative dispute resolution channel.\n\n\nWaiver Of Betterment\n\n\nMany insurance companies have developed an attractive \nmotor insurance\n add-on that waives the Betterment charges for an additional premium. This approach will reduce the financial burden on the owner of an older car that uses new original replacement parts in an accident. These rates will be determined by using a scale of betterment adopted by the auto insurance industry as indicated below:-\n\n\n\n\n\n\n\n\nAge of your vehicle\n\n\nThe Rate applied (%)\n\n\n\n\n\n\n< 5 years old\n\n\n0\n\n\n\n\n\n\n5\n\n\n15\n\n\n\n\n\n\n6\n\n\n20\n\n\n\n\n\n\n7\n\n\n25\n\n\n\n\n\n\n8\n\n\n30\n\n\n\n\n\n\n9\n\n\n35\n\n\n\n\n\n\nTen and above\n\n\n40\n\n\n\n\n\n\n\n\nSo What Is It Going To Be?\n\n\nTo buy an add-on policy for \u201cWaiver of Betterment\u201d or demand pre-owned or old components to prevent incurring Betterment charges. The decision is yours.\n\n\nTags:\nBetterment\nInsurance Claims\nMotor Insurance\nWaiver Of Betterment\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2021/11/05/things-you-need-to-know-about-malaysia-road-tax/", "title": "Things You Need To Know About Malaysia Road Tax", "body": "Did you become a vehicle owner for the first time? If that\u2019s the case, we congratulate you and hope the car will serve you well. Apart from enjoying driving the vehicle, it\u2019s vital to be a responsible driver and honor all regulations. In Malaysia, road tax is mandatory for all car owners. If you are unsure about this tax, here is a detailed guide on what you should know about it.\n\n\nWhat Is Road Tax?\n\n\nA \nroad tax is mandatory\n by Malaysian law. The government asks you to pay this tax to use public roads in this country. The idea is to use the money collected to renew and improve road infrastructure. Malaysia isn\u2019t the only country with this tax, and you\u2019ll often find it in other countries. If you don\u2019t pay the road tax, the authorities can fine you. If the police stop you from checking your license and vehicle and seeing that you didn\u2019t pay, they\u2019ll write you a fine. Once you pay this tax, the authorities issue a sticker. You place that sticker on the vehicle\u2019s windscreen. That way, the police can see it when they stop you.\n\n\nIs My Road Tax Sticker Permanent?\n\n\nYou will notice the expiration date on your sticker. That marks the date until which you paid the \nroad tax\n. You need to \nrenew\n the sticker before the expiration. It\u2019s the only way to ensure you don\u2019t risk being without a valid sticker.\n\nMalaysian car owners have two options for paying a \nroad tax\n:\n\n\n\n\nSix-month payments\n\n\n12-month payments\n\n\n\n\nMost users decide on the second option to avoid going through this hassle too often. The government allows renewing your road tax up to two months before the expiration date.\n\n\nHow To Calculate Your Road Tax?\n\n\nThe tax you pay depends on the vehicle you are driving. Another thing to note is that the prices are different for peninsular Malaysia and Sabah & Sarawak.\n\n\nPeninsular Malaysia\n\n\nYou\u2019ll find that the saloon cars are in the first \ninsurance\n category. These include convertibles, coupes, wagons, hatchbacks, and sedans. It\u2019s irrelevant if you have diesel or petrol engines. In Peninsular Malaysia, there\u2019s a fixed payment for all engines up to 1,600CC. For stronger engines, the government applies a progressive rate where you pay depending on your exact engine capacity. Here is a table for saloon cars:\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n \n\n\n\n\n\n\n\n\nCC\n\n\n\n\n\n\nBase Rates\n\n\n\n\n\n\nProgressive Rates\n\n\n\n\n\n\nRoad Tax\n\n\n\n\n\n\n\n\n\n\n<1,000\n\n\n\n\n\n\n20\n\n\n\n\n\n\n/\n\n\n\n\n\n\n20\n\n\n\n\n\n\n\n\n\n\n1,001 \u2013 1,200\n\n\n\n\n\n\n55\n\n\n\n\n\n\n/\n\n\n\n\n\n\n55\n\n\n\n\n\n\n\n\n\n\n1,201 \u2013 1,400\n\n\n\n\n\n\n70\n\n\n\n\n\n\n/\n\n\n\n\n\n\n70\n\n\n\n\n\n\n\n\n\n\n1,401 \u2013 1,600\n\n\n\n\n\n\n90\n\n\n\n\n\n\n/\n\n\n\n\n\n\n90\n\n\n\n\n\n\n\n\n\n\n1,601 \u2013 1,800\n\n\n\n\n\n\n200\n\n\n\n\n\n\n0.4\n\n\n\n\n\n\n200.4 \u2013 280\n\n\n\n\n\n\n\n\n\n\n1,801 \u2013 2,000\n\n\n\n\n\n\n280\n\n\n\n\n\n\n0.5\n\n\n\n\n\n\n280.5 \u2013 380\n\n\n\n\n\n\n\n\n\n\n2,001 \u2013 2,500\n\n\n\n\n\n\n380\n\n\n\n\n\n\n1\n\n\n\n\n\n\n381.5 \u2013 880\n\n\n\n\n\n\n\n\n\n\n2,501 \u2013 3,000\n\n\n\n\n\n\n880\n\n\n\n\n\n\n2.5\n\n\n\n\n\n\n882.5 \u2013 2,130\n\n\n\n\n\n\n\n\n\n\n>3,000\n\n\n\n\n\n\n2,130\n\n\n\n\n\n\n4.5\n\n\n\n\n\n\n>2,134.50\n\n\n\n\n\n\n\n\n\n\n\n\nFor example, 1,300CC and 1,400CC will pay 70RM. But a 2,000CC vehicle owner should pay 380RM, while the road tax for a 2,500CC vehicle costs 880RM. Now, the prices are higher if you have a company-registered car. You can expect to pay up to three times as much for a company vehicle. As for SUVs, MPVs, and pick-up trucks, the rates are lower. It\u2019s worth noting that road tax remains the same for private and company-registered vehicles. Here is the table active in peninsular Malaysia:\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n \n\n\n\n\n\n\n\n\nCC\n\n\n\n\n\n\nBase Rates\n\n\n\n\n\n\nProgressive Rates\n\n\n\n\n\n\nRoad Tax\n\n\n\n\n\n\n\n\n\n\n<1,000\n\n\n\n\n\n\n20\n\n\n\n\n\n\n/\n\n\n\n\n\n\n20\n\n\n\n\n\n\n\n\n\n\n1,001 \u2013 1,200\n\n\n\n\n\n\n85\n\n\n\n\n\n\n/\n\n\n\n\n\n\n85\n\n\n\n\n\n\n\n\n\n\n1,201 \u2013 1,400\n\n\n\n\n\n\n100\n\n\n\n\n\n\n/\n\n\n\n\n\n\n100\n\n\n\n\n\n\n\n\n\n\n1,401 \u2013 1,600\n\n\n\n\n\n\n120\n\n\n\n\n\n\n/\n\n\n\n\n\n\n120\n\n\n\n\n\n\n\n\n\n\n1,601 \u2013 1,800\n\n\n\n\n\n\n300\n\n\n\n\n\n\n0.3\n\n\n\n\n\n\n300.3 \u2013 360\n\n\n\n\n\n\n\n\n\n\n1,801 \u2013 2,000\n\n\n\n\n\n\n360\n\n\n\n\n\n\n0.4\n\n\n\n\n\n\n360.4 \u2013 440\n\n\n\n\n\n\n\n\n\n\n2,001 \u2013 2,500\n\n\n\n\n\n\n440\n\n\n\n\n\n\n0.8\n\n\n\n\n\n\n440.8 \u2013 840\n\n\n\n\n\n\n\n\n\n\n2,501 \u2013 3,000\n\n\n\n\n\n\n840\n\n\n\n\n\n\n1.6\n\n\n\n\n\n\n841.6 \u2013 1,640\n\n\n\n\n\n\n\n\n\n\n>3,000\n\n\n\n\n\n\n1,640\n\n\n\n\n\n\n1.6\n\n\n\n\n\n\n>1,641.6\n\n\n\n\n\n\n\n\n\n\n\n\nSabah & Sarawak\n\n\nThe road tax is more affordable in these areas, and there\u2019s no difference between private and company-registered vehicles. Here is an overview for saloon cars:\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n \n\n\n\n\n\n\n\n\nCC\n\n\n\n\n\n\nBase Rates\n\n\n\n\n\n\nProgressive Rates\n\n\n\n\n\n\nRoad Tax\n\n\n\n\n\n\n\n\n\n\n<1,000\n\n\n\n\n\n\n20\n\n\n\n\n\n\n/\n\n\n\n\n\n\n20\n\n\n\n\n\n\n\n\n\n\n1,001 \u2013 1,200\n\n\n\n\n\n\n44\n\n\n\n\n\n\n/\n\n\n\n\n\n\n44\n\n\n\n\n\n\n\n\n\n\n1,201 \u2013 1,400\n\n\n\n\n\n\n56\n\n\n\n\n\n\n/\n\n\n\n\n\n\n56\n\n\n\n\n\n\n\n\n\n\n1,401 \u2013 1,600\n\n\n\n\n\n\n72\n\n\n\n\n\n\n/\n\n\n\n\n\n\n72\n\n\n\n\n\n\n\n\n\n\n1,601 \u2013 1,800\n\n\n\n\n\n\n160\n\n\n\n\n\n\n0.32\n\n\n\n\n\n\n160.3 \u2013 224\n\n\n\n\n\n\n\n\n\n\n1,801 \u2013 2,000\n\n\n\n\n\n\n224\n\n\n\n\n\n\n0.25\n\n\n\n\n\n\n224.25 \u2013 274\n\n\n\n\n\n\n\n\n\n\n2,001 \u2013 2,500\n\n\n\n\n\n\n274\n\n\n\n\n\n\n0.5\n\n\n\n\n\n\n274.5 \u2013 524\n\n\n\n\n\n\n\n\n\n\n2,501 \u2013 3,000\n\n\n\n\n\n\n524\n\n\n\n\n\n\n1\n\n\n\n\n\n\n525 \u2013 1,024\n\n\n\n\n\n\n\n\n\n\n>3,000\n\n\n\n\n\n\n1,024\n\n\n\n\n\n\n1.35\n\n\n\n\n\n\n>1,025.35\n\n\n\n\n\n\n\n\n\n\n\n\nAnd now the table for non-saloon vehicles:\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n \n\n\n\n\n\n\n\n\nCC\n\n\n\n\n\n\nBase Rates\n\n\n\n\n\n\nProgressive Rates\n\n\n\n\n\n\nRoad Tax\n\n\n\n\n\n\n\n\n\n\n<1,000\n\n\n\n\n\n\n20\n\n\n\n\n\n\n/\n\n\n\n\n\n\n20\n\n\n\n\n\n\n\n\n\n\n1,001 \u2013 1,200\n\n\n\n\n\n\n42.5\n\n\n\n\n\n\n/\n\n\n\n\n\n\n42.5\n\n\n\n\n\n\n\n\n\n\n1,201 \u2013 1,400\n\n\n\n\n\n\n50\n\n\n\n\n\n\n/\n\n\n\n\n\n\n50\n\n\n\n\n\n\n\n\n\n\n1,401 \u2013 1,600\n\n\n\n\n\n\n60\n\n\n\n\n\n\n/\n\n\n\n\n\n\n60\n\n\n\n\n\n\n\n\n\n\n1,601 \u2013 1,800\n\n\n\n\n\n\n165\n\n\n\n\n\n\n0.17\n\n\n\n\n\n\n165.17 \u2013 199\n\n\n\n\n\n\n\n\n\n\n1,801 \u2013 2,000\n\n\n\n\n\n\n199\n\n\n\n\n\n\n0.22\n\n\n\n\n\n\n199.22 \u2013 243\n\n\n\n\n\n\n\n\n\n\n2,001 \u2013 2,500\n\n\n\n\n\n\n243\n\n\n\n\n\n\n0.44\n\n\n\n\n\n\n243.44 \u2013 463\n\n\n\n\n\n\n\n\n\n\n2,501 \u2013 3,000\n\n\n\n\n\n\n463\n\n\n\n\n\n\n1.88\n\n\n\n\n\n\n463.88 \u2013 903\n\n\n\n\n\n\n\n\n\n\n>3,000\n\n\n\n\n\n\n903\n\n\n\n\n\n\n1.2\n\n\n\n\n\n\n>904.2\n\n\n\n\n\n\n\n\n\n\n\n\nWe hope this guide covered all the basics and to make things easier for you, we created a \nroad tax calculator here\n. Please remember \nroad tax is mandatory\n, so make sure to pay and renew it on time.\n\n\nTags:\nMalaysia Road Tax\nRoad Tax\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}
{"url": "https://blog.fincrew.my/2022/06/13/understand-gadget-insurance-and-why-would-you-need-one/", "title": "Understand Gadget Insurance And Why Would You Need One", "body": "The safety of expensive gadgets like laptops, computers, and mobile phones is paramount in the digital era when more people are buying such items. There is a one-year warranty provided by manufacturers and covers only manufacturing defects. Thus, if a gadget is lost or stolen, you may have to pay out of pocket or purchase a new one. Therefore, people prefer to \ninsure their devices to ensure\n their safety.\n\n\nWhat Is Gadget Insurance?\n\n\nGadget\n Insurance offers protection against various gadgets\u2019 damage, loss, or \ntheft\n. For example, smartphones, laptops, tablets, games consoles, digital cameras, e-readers, and even fitness trackers and sat navs. Given the cost of many of these devices, replacing them on your own can be difficult, so many people opt for a replacement policy.\n\n\n\n\nDo you need Gadget Insurance?\n\n\nYour situation determines whether you need \ngadget insurance\n. Here are some questions to ask yourself:\n\n\n\n\nIf your gadgets were damaged or lost, could you afford to replace them?\n\n\nIs the warranty still valid on your devices?\n\n\nDo you have any experience with losing or damaging devices?\n\n\nIs your home \ninsurance\n already covering your gadgets?\n\n\n\n\nYou can get gadget insurance for just a little money a month if you are accident prone or use your gadgets on the go.\n\n\nWhat Does Gadget Insurance Cover?\n\n\nInsurance companies\n vary in what they cover, except for the following:\n\n\n\n\nTheft, which includes replacing stolen goods\n\n\nLoss, which covers accidental loss of your \ngadgets\n\n\nCoverage for mechanical breakdowns of your \ngadgets\n\n\nDamages, including drops, cracked screens, and other breakages\n\n\nDamage caused by liquid spills, also known as liquid damage\n\n\nWorldwide coverage, which covers you for up to 90 days anywhere in the world\n\n\n\n\nWhat Is Not Covered In The Gadget Insurance Policy?\n\n\nYour policy might cover some of these, but most gadget insurance does not:\n\n\n\n\nBefore your insurance begins, you suffer damage or losses\n\n\nDevices not listed on your policy\n\n\nThe manufacturer\u2019s warranty already covers damage\n\n\nLoss or damage to your gadget as a result of not taking proper care of it\n\n\nYou must pay your policy excess for each \nclaim\n you make\n\n\nIf you buy cover for non-new or refurbished devices, there are no manufacturer warranties\n\n\nScratches, dents, or other cosmetic damage\n\n\nYour gadget\u2019s contents, for example, photos, software, music, or downloads\n\n\n\n\nCan The Replacement Cover Be Replaced With A New One?\n\n\nA replacement policy is not a new policy but rather a policy intended to replace the existing one. This policy aims to return you to your position immediately before the loss or damage occurs. We will replace the electronic gadget with one of comparable specification or equivalent value, considering the original electronic gadget\u2019s age and condition, if not replaced with an identical electronic device of the same age and condition. If you request a replacement electronic gadget, we cannot guarantee that it will be the same colour as your original gadget.\n\n\nDo I Already Have Coverage For My Gadgets?\n\n\nA separate \ninsurance policy\n may already cover your gadgets. For example, some homeowners\u2019 insurance policies provide protection, such as protection against accidental damage or damage caused outside the home. Still, if you have several high-value devices, the coverage may not be sufficient, and you may not have coverage against damage caused by outside factors. Sometimes the \nexcess\n can be excessive, which means it\u2019s not worth claiming. Nevertheless, you may still want to check if you\u2019re covered elsewhere; read the fine print to ensure the coverage will be adequate, and if not, you may wish to look for a separate policy.\n\n\nThere will almost always be a warranty included with electronic devices, but typically this will be for a short period and will only cover mechanical failure. In case you face an unexpected cost for repairing or replacing your device, you may want to invest in a basic policy that will cover things like accidental damage.\n\n\nYou can quote the insurance premium for your gadget at \nFincrew gadget insurance\n now.\n\n\nTags:\nAccidental Damage\nCoverage\nGadget\nShare on Facebook\nShare on Twitter\n \nShare on Tumblr\nShare on Reddit"}