Bolehkah Saya Mendapatkan Insurans Kereta Tanpa Kereta?

Sebilangan besar pemilik kenderaan memahami dengan baik tentang tahap
pelindungan insurans kenderaan
 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?

Episod hari ini akan meneroka pilihan
insurans kereta
 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
insurans kereta
 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 ‘Subscribe’ dan aktifkam notifikasi sekarang!

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Bergantung 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
pelindungan insurans kenderaan
 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.

Anda 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
polisi insurans
 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:

Beberapa maklumat peribadi

Maklumat lesen memandu anda

Pilihan kaedah pembayaran anda

Untuk mendapatkan bantuan lanjut tentang ini, ikuti pautan yang disediakan di bawah! Sekiranya anda menikmati video ini, tinggalkan tanda ‘Like’ dan ‘Subscribe’ 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!

Tags:
Insurans Kenderaan
Insurans Kereta
Pelindungan Sekunder
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Top Life Insurance Companies In Malaysia

Life insurance
 policies are contracts in which the policyholder pays regular premiums to an insurance company. Insurance companies pay death benefits to the policy’s beneficiaries upon the policyholder’s death. Having
life insurance
 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’t the case.

A 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’s education or support your elderly parents. By researching and ranking the
top life insurance companies
, you will find the life insurance process much more manageable. The rating’s basis is on different factors, including
financial
 strength, customer service, and cost. Based on our research, the following are the
best life insurance companies in Malaysia
 for 2022.

Malaysia’s Best Life Insurance Companies

Great Eastern Life Assurance (Malaysia)

Great Eastern Life Assurance
 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’s 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’s protection and that all that matters to you is protected.

Prudential Life Insurance

Founded in 1873, Prudential Financial is reputable, thanks to its long history. In terms of its financial strength,
Prudential Insurance
 Company has an A+ rating. There are several types of
term life insurance
 offered by Prudential. They offer universal and index universal life insurance, variable universal life insurance, and riders such as an
accidental death
 benefit, a living needs gift, and a children’s protection rider.

AIA Life Insurance

In the life insurance sector, AIA Group Limited and its subsidiaries (collectively “AIA” or the “Group”) 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
AIA’s life insurance
 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.

Allianz Life Insurance

Allianz life insurance
 company provides affordable term life
insurance
 cover and has established financial strength and reliability over time, which places it among the top life insurance providers in our review.

AXA Life Insurance

AXA is one of Malaysia’s
top life insurance companies
 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’s long history helped it gain a spot in our ranking.

Personal accident insurance from as low as RM8 per month.

Tags:
AIA
Allianz
AXA
Great Eastern Life Assurance
Life Insurance
Prudential
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What Does Total Loss Mean In Car Insurance Terms?

When it comes to talking
car insurance
, 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
total loss
.

What is Total Loss?

How does it happen, and what can you do about it? We’ll 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 “total loss” under either of two circumstances. First, if the
car is stolen
. Secondly, if the vehicle has been in an accident and damaged to the extent of being rendered unusable.

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In this article, we will be dealing more extensively with the second scenario. An
insurance
 agency will deem any vehicle involved in an accident a
total loss
 if it has determined that the cost of repairing the car is more than the present
actual cash value
 (ACV) of the car. What’s interesting here is that what represents a
total loss
 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
Total Loss Formula
 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
Total Loss Threshold
 (TLT) method. In this case, the damage to the vehicle only needs to be greater than a determined percentage of the car’s perceived value for it to be considered a total loss.

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So what will happen to a total loss vehicle?

Should 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’re keeping the vehicle, you would be getting less money as opposed to having your
insurance company
 have it. If you believe that the vehicle isn’t a total loss, you can have the adjuster re-evaluate the vehicle with your proof at hand. In extreme cases, if you find you’re still not content, you have the right to bring in a lawyer to support your
claims
.

Before you can receive payment, if your vehicle is a “Total Loss”, the actual
cash value of your car
 would’ve first been determined. The car’s ACV on top of other variables like the vehicle’s wear and tear, and so on will be calculated. After this, a
value will be given to you by your insurer
. If you consider that price acceptable, you will be paid immediately.

There you go! Now, you know virtually all there is to know about the total loss in
car insurance
.

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Tags:
Actual Cash Value (ACV)
Total Loss
Total Loss Formula (TLF)
Total Loss Threshold (TLT)
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Different Kinds Of Car Insurance Coverage

A
car insurance
 policy protects the vehicle owner from financial liability in case of road accidents and other
misfortune
 events, such as thefts and fires. The exact
insurance coverage
 will depend on the policy you choose. There are three basic types of vehicle
insurance coverage
. Let’s take a look at what they offer and which plan would be the most suitable for your needs.

Third-Party Car Insurance

The
third-party
motor policy
 is the first option available for everyone considering insuring their vehicle. As the name suggests, this plan will have you covered in case of
third-party property damage
 and injury. If you have participated in a
road accident
, 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
third-party motor policy
 is an excellent idea for drivers who don’t spend a lot of time in their vehicles.

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Third-Party, Theft, and Fire Car Insurance

This
car insurance policy
 is a bit more complicated since it covers multiple possible events. Here is how this
insurance
 plan will protect you:

Third-party property damage and injuries – if you participate in a road accident, any liability for the
third parties
 involved will be covered by the plan.

Fire – if there is a fire that you are not responsible for, and your vehicle suffers damage, this policy will protect you.

Theft
 – vehicle thefts are quite common, so this policy can provide peace of mind. It offers
financial
 protection if someone steals your vehicle.

While it is not as
comprehensive
, this plan offers more advanced protection than the basic third-party policy.

Why you should choose this plan: It is an excellent option for those who would like protection against
theft and fire
, but still don’t want the most expensive plan.

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Comprehensive Car Insurance

As 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
compensation for the time when you didn’t use your car
. 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’t 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.

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Which Car Insurance Is the Best for You?

While it ultimately depends on your preferences, the comprehensive
car insurance
 offers complete protection. It is worth noting that you can customize your policy by utilizing additional covers. Those include the following premiums:

Personal accidents
 – it covers injuries of you or the passengers.

Assessed repair time compensation – if you can’t use your vehicle for a while, you might be entitled to compensation.

Windscreen – your windshield might break for no apparent reason. If that happens and it wasn’t caused by a road accident, this add-on will offer financial protection.

Legal liability
 of and to passengers – 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.

Flood – if your vehicle suffers damage due to a flood, you will enjoy financial protection.

Tags:
Comprehensive Coverage
Fire and Theft Cover
Flood
Legal Liability
Personal Accidents
Third-Party Coverage
Windscreen
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Bolehkah Anda Memperbaharui Cukai Jalan Jika Ada Tunggakan Saman?

Anda sedang mengemas laci untuk mencari geran kenderaan kerana ingin memperbaharui
cukai jalan
 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
cukai jalan
 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:

Saman Senarai Hitam

Saman jenis ini akan menghalang anda daripada
memperbaharui cukai jalan
 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 :

Tak memiliki lesen memandu/lesen memandu telah tamat tempoh

Cukai jalan dan insurans telah tamat tempoh

Tak pakai tali pinggang keledar/topi keledar

Jika anda ingin memastikan status saman anda, anda boleh melayari laman web rasmi JPJ.

Saman Bukan Senarai Hitam

Saman jenis ini pula, surat saman akan dihantar terus ke alamat yang tertera dalam IC anda. Contoh saman adalah:

Saman ‘speedtrap’/AES

Saman ekor

Saman kesalahan meletak kenderaan

Walaupun 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.

Bagaimana Pula Dengan Saman Majlis Perbandaran?

Selain 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:

Tak bayar kupon tempat letak kereta

Double park

Tak parkir dalam kotak kuning

Jika 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.

Untuk Kereta Terpakai, Pemilik Lama Atau Pemilik Baru Yang Perlu Bertanggungjawab?

Anda 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
memperbaharui cukai jalan
 dan juga insurans.

Saman yang diterima bukanlah murah, ada yang sampai beratus malahan beribu. Jadi, untuk menjimatkan belanja bagi pembaharuan
cukai jalan
 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
membandingkan pelan-pelan insurans
 dari syarikat-syarikat insurans yang ada di Malaysia pada bila-bila masa sahaja.

Tags:
Cukai Jalan
DBKL
JPJ
Memperbaharui Cukai Jalan
PDRM
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Motor Bodily Injury In Auto Insurance

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,
bodily injury
 liability coverage helps cover the other person’s 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
bodily injury
 does not cover any cost you may get in the accident. It is deemed “third-party” insurance because it only protects other drivers and passengers, not you.

What Does Bodily Injury Liability Cover?

Bodily injury liability coverage
 may help cover the following three types of costs:

Medical Expenses

Bodily injury liability coverage
 helps pay for the third party’s 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.

Compensation For Lost Wages And Income

If 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.

Legal Fees

After an at-fault accident resulting in injuries to the
third party
, 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.

How Much Bodily Injury Liability Cover Do I Need?

When buying bodily injury
liability coverage
, there’s always a minimum liability coverage limit you must purchase. It’s 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’s medical costs exceed your bodily injury liability coverage limits, you will have to pay out of pocket to
cover the remaining expenses
. That’s why it’s essential to consider how much bodily injury liability coverage would be enough for you — and why you may want to purchase higher bodily injury liability coverage.

Bodily Injury Liability Policy Limits

A bodily injury liability policy is subject to a limit. This limit is the maximum amount of money your
auto insurance coverage
 will pay towards a covered claim. Bodily injury liability coverage has typically two policy limits:

A per-person limit; and

A per-accident limit.

Per-Person Limit

The per-person limit applies to each individual injured in an accident. As an example, let’s say your per-person liability limit is RM 50,000. If you caused an injury to a person, your
insurance provider
 would pay no more than RM 50,000 for all of their medical expenses.

Per-Accident Limit

The per-accident limit applies to an accident in which multiple individuals are injured. So let’s say your per-accident limit is RM 200,000. It implies that if you are at fault in a
car accident
 that injures two or more people, your insurer’s highest pay for bodily injury liability for their combined expenses is RM 200,000.

Tags:
Bodily Injury Liability
Motor Bodily Injury
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Is It Possible For Non-Muslim Apply For Islamic Personal Loan?

Are you a non-muslim and want to take out a
personal loan
 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.

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Can a Non-Muslim Take A Loan From An Islamic Bank?

Islamic banks
 welcome Muslims and non-Muslims alike, so this should not be an issue when
applying for a
loan
. Instead, the most important thing to compare will be the rates and the conditions of financing, customer service, and the bank’s ethics. Research carried out for Abu Dhabi Islamic Bank (Adib) showed that most customers value simple, straightforward, and transparent banking – for example, they want the full terms and conditions spelt out, so there are no misunderstandings. The concept of “profit rate” is used by
Islamic banks
 instead of “interest rate” 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.

Check your company eligibility & apply business loan online.

In 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
loan
 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.
Late payment
 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.

What Is It About Islamic Banking That Would Make It Attractive To Potential Customers?

Transparency

Islamic banks base their returns on investment earnings rather than interest payments instead of conventional banks’ complex
financial
 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.

Keeping It Clean

The act of not doing
business
 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.

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Tags:
Abu Dhabi Islamic Bank
Islamic Bank
Islamic Finance
Murabaha
Personal Loan
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Prosedur Yang Perlu Diikuti Sekiranya Anda Terlibat Dengan Kemalangan Jalan Raya

Terlibat dengan
kemalangan
 jalan raya merupakan satu mimpi ngeri untuk kebanyakan pemandu, dan ia juga agak sukar untuk ditangani. Tidak ada istilah ‘worry-free accident’, jadi penting untuk mengetahui langkah-langkah yang betul untuk memulakan tuntutan
insurans kereta
 setelah berlakunya
kemalangan
. Berikut merupakan langkah-langkah yang harus anda ikuti sekiranya anda terlibat dalam
kemalangan kereta
.

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Langkah 1 – Matikan Enjin, Bertenang Dan Jangan Panik

Hidupkan ‘hazard warning lights’ 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.

Langkah 2 – Jangan Menyalahkan Sesiapa Atau Menerima Kesalahan Di Atas Kemalangan Itu

Walaupun 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.

Langkah 3 – Mengumpulkan Kesemua Maklumat Serta Informasi Penting Tentang Kemalangan Itu

Catatkan maklumat-maklumat berikut:

Maklumat peribadi pemandu yang terlibat dalam kemalangan – nama, nombor IC, alamat, nombor lesen memandu, dan nombor telefon (sekiranya boleh)

Nama
syarikat insurans
 serta jenis/model dan nombor pendaftaran kenderaan lain yang terlibat

Nombor pendaftaran trak tunda (sekiranya ada)

Lokasi tepat kemalangan berlaku

Kelajuan anda memandu serta tarikh dan masa kemalangan

Cuaca dan keadaan jalan

Masa polis tiba, juga nama dan nombor lencana mereka

Saksi (jika boleh, dapatkan nama dan juga maklumat untuk menghubungi mereka)

Langkah 4 – Ambil Foto Kejadian

Gambar 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.

Langkah 5 – Buat Laporan Kemalangan

Pastikan laporan kemalangan itu merangkumi nama semua pegawai polis, nombor lencana dan juga maklumat untuk dihubungi. Maklumat ini sangat berguna untuk
tuntutan insurans
 dan boleh membantu anda sekiranya kes ini berlanjutan hingga ke mahkamah.

Langkah 6 – Telefon Trak Tunda

Jika kereta anda tidak selamat untuk dipandu, hubungi syarikat insurans anda untuk mendapatkan servis ‘roadside assistance’(sekiranya ada) atau Bantuan Kemalangan untuk menarik kereta anda ke bengkel panel terdekat untuk dibaiki dan pulang dengan selamat.

Langkah 7 – Memfailkan Tuntutan

Kemukakan 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.

Langkah 8 – Jaga Diri Anda

Selalunya, 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.

Kemalangan kereta
 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
insurans
 bagi membaiki kereta anda tanpa sebarang masalah dengan lebih cepat daripada apa yang anda harapkan.

Tags:
Accidents
Car Accident
Kemalangan Jalan Raya
Road Accident
Roadside Assistance
Tow Truck
Tuntutan Insurans
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How Grab Deal With Incidental Liability?

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
incidental liability
. 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
insurance
, is a tricky one because it depends on the accident’s situations. It could be the responsibility of the driver or another party.

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So Does Grab Offer Insurance To Their Drivers?

Grab does offer some form of personal
accident insurance
 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
insurance does not cover
 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’t claim the
personal accident insurance
 offered by Grab. You will be informed this falls under the domain of your
car insurance
 coverage. More so, Grab insurance will not cover you for third party damages or legal liabilities to or of passengers.

Do Personal Insurance Covers Grab Drivers

All personal
insurance policy
, whether ‘third party,’ ‘third party, theft & fire’ or ‘comprehensive policy,’ 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’t claim your personal coverage. This happens all the time. For example, a Grab driver reported how he couldn’t make a claim when his passenger alighted from his car and was hit by an onrushing motorcycle, causing injury to the passenger and
damage to his car
. The driver could not successfully claim from Grab and his personal
car insurance
 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’s clear that it isn’t enough.

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So As A Grab Driver What Are Your Options

Your best option for better coverage as a Grab driver is to
buy insurance
 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.

Tags:
Grab
Incidental Liability
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Do Extended Warranty Cover Car Battery?

Car batteries are considered consumables, and they sometimes only have a limited period of full warranty coverage. Therefore, when buying a car, it’s a good idea to check the manufacturer’s warranty since warranties can differ. Will your
extended warranty
 cover a new battery if your
car battery
 is dead?

Do My Extended Car Warranty Policy Covers Dead Battery?

Please take note that its manufacturer’s warranty no longer covers your car. Instead, you decide to take out an
extended warranty
 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 “wear & tear” 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
car’s extended warranty
 doesn’t cover it. In this regard, AAA is perhaps the most well-known example – as its batteries are warrantied for up to 36 months.

What Are The Different Types Of Automobile Batteries?

Most 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’t 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.

How To Maintain Your Car Battery?

There is nothing more heart-wrenching than discovering that your car’s ignition has died and your battery is dead. What a way to start your day! For your long-lasting and efficient
car battery
 to last longer, follow these steps:

Maintain a clean, tight connection between the terminals

Keeping the terminal connections clean is essential to avoid building dirt and grease.

Protect terminal connectors from corrosion by coating them with petroleum jelly

It would be best if you avoid long periods without using your car – even a short trip will help your battery to recharge

The best way to protect your vehicle in icy weather is to park it in a garage

Check at reasonable intervals when your battery is serviced regularly

Why Should You Consider Buying An Extended Car Warranty?

There are two main benefits to extended warranties:

You could save money. Even if you have to cover a portion of the bill, your
extended warranty
 could end up covering the costs of a costly repair.

It ensures peace of mind.

Tags:
Car Battery
Car Repair
Extended Warranty
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A Guide To Get Business Loans For Sole Proprietors

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
business loans
 to get the funding they require. Here, we will be discussing business loan options for sole proprietors.

Check your company eligibility & apply business loan online.

What Exactly Is a Sole Proprietorship?

Let’s get the basics first: a sole proprietorship is a
business
 owned and operated by just a person, with no legal distinction between the owner and the business entity. It’s perfect for anyone who can succeed by working alone (or perhaps with one additional employee), such as:

Freelancers

Consultants

Housekeepers

One-person accounting businesses

A
sole proprietorship
 presents a problem when seeking financing because the company’s earnings and
financial
 obligations are virtually identical to yours. Therefore, any effect on the company’s creditworthiness will also impact you.
Getting a loan
 can be time-consuming and challenging if you don’t know all your financing options as a
sole proprietorship
. Let’s get started.

What Are Your Financing Options?

Spend some time reviewing your business plan and goals, and then carefully consider which financing option is best for you at this time.

Term Loans

Most people think of a term loan as a “traditional loan.” 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
required to provide collateral to secure the loan
.

Business Line Of Credit

It is a flexible
business loan
 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
credit cards
, they are not the same. Credit cards have higher interest rates, and a line of credit does not always require a monthly payment structure.

Compare and apply for the best credit cards

Invoice Factoring

Invoice 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 ‘advance’ on pending invoices and is an excellent way to solve short-term cash flow issues.

Merchant Cash Advance

A 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—also known as the remittance. They transfer remittance to the lender based on a predetermined amount deducted automatically from your credit card or bank account.

Final Thoughts

The most important consideration when applying for
business loans
 and financing is your liability as a sole proprietor. In contrast to a corporation, there is no distinction between your business and
personal finances
. 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
personal loan
.

Compare Personal Loan In Fincrew

At Fincrew, we know that a small business entails much more than a balance sheet or credit rating. It doesn’t limit access to
small business loans
 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.

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

Tags:
Business Loan
Invoice Factoring
Merchant Cash Advance
SME
SME Loan
Term Loans
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Langkah Yang Perlu Diambil Jika Kereta Anda Dirosakkan Oleh Perusuh

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
pelindungan tambahan
 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.

1. Melarikan Diri

Kadang-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.

2. Kereta Dibakar

Jika 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.

3. Buat Laporan Polis

Jika sempat, sebelum anda bergerak ke balai polis, cuba untuk tangkap gambar kereta yang dirosakkan oleh
perusuh
 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
membuat tuntutan insurans
. Ingat! Pastikan laporan polis dibuat dalam tempoh 24 jam.

4. Buat Tuntutan Kepada Syarikat Insurans

Walaupun anda telah membeli
pelan insurans

komprehensif
, 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
memperbaharui insurans kereta
 tersebut.
Syarikat insurans
 akan mengenakan yuran tambahan sebanyak 0.3% daripada bayaran jumlah insurans tahunan. Sebagai contoh, sekiranya
nilai insurans kereta
 anda adalah RM50k, anda perlu membuat bayaran tambahan sebanyak RM150 untuk mendapatkan pelindungan tambahan ini. Anda boleh melayari laman web
perbandingan insurans
 Fincrew untuk mendapatkan maklumat yang lebih tepat tentang pelan tambahan ini. Anda juga boleh membandingkan
pelan insurans
 syarikat-syarikat insurans yang ada di Malaysia bagi memudahkan anda untuk membuat keputusan.

5. Boleh Membuat Tuntutan Kepada
Perusuh

Kalau 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.

Langkah 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.

Tags:
perusuh
Rusuhan
Syarikat Insurans
Tuntutan Insurans
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Apakah Yang Akan Berlaku Jika Lesen Memandu Saya Tamat Tempoh Sewaktu Kemalangan?

Jika anda mahu memandu kereta di Malaysia, anda perlu mempunyai
lesen memandu
 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.

Tidak Memperbaharui Lesen Memandu Boleh Mengakibatkan Anda Didenda

Anda perlu memastikan
lesen memandu
 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.

Apa Yang Akan Terjadi Jika Saya Terlibat Dalam Kemalangan Dan Lesen Saya Telah Tamat Tempoh?

Anda 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
insurans akan menanggung segala kerosakan
. Tapi, benarkah begitu? Sukar untuk memberikan jawapan yang tepat kerana ia mungkin bergantung pada
syarikat insurans
 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
syarikat insurans
 pada masa lalu, Itulah sebabnya membaca terma perjanjian adalah jawapan terbaik yang dapat kami berikan kepada anda.

Bagaimana Jika Orang Lain Yang Memandu Kereta Tersebut?

Katakanlah anda terlibat dalam kemalangan, tapi rakan anda yang memandu.
Syarikat insurans
 dan polis akan melihat lesen siapa yang memandu. Ini bermakna
polisi insurans
 anda sah untuk kes seperti ini. Tarikh tamat tempoh lesen memandu anda tidak bermaksud anda telah melanggar polisi insurans anda. Tapi tindakan anda yang
memandu tanpa lesen
 yang sah yang telah melanggar polisi tersebut.

Pandemik COVID-19 Dan Mengapa Lesen Memandu Kereta Tamat Tempoh Sah Pada 2020?

Walaupun 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.

Tags:
Kemalangan
Lesen Memandu
Perintah Kawalan Pergerakan Pemulihan
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Is Heart Attack Considered Accidental Death?

Do people often ask about whether a
heart attack
 is considered an
accidental death
? These questions usually come up with policies such as
accidental death
 and dismemberment (AD&D) and accident policies – 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
heart attack
 is considered accidental? Defining what accidental death is and is not. It’s not always easy to figure out the solution. Let me first explain what an accidental death means.

What Is An Accidental Death?

A 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’s start by going over some common accidental death examples to understand an accidental death better.

Accidental Death Examples

Almost 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:

Poisoning

Auto accidents

Falls

Murder (or Homicide)

Suffocation

Drowning

Fire or burns

Pedestrian deaths

Adverse effects to medication

Other land transportation

Other unspecified accidents

Can Accidental Life Insurance Cover Heart Attacks?

A heart attack is not under
accidental death insurance
. The unexpected death
life insurance
 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,
accidental life insurance
 won’t cover it.

Do Life Insurance Policies Cover Heart Attacks?

You 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
claim
. As long as you answer all the questions correctly, you can find different types of
life insurance
 (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’s been since your condition has stabilized.

Following a Heart Attack, Which Types Of Life Insurance Are Available To Me?

The 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 “no” 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’re in a stable condition and had a heart attack)— 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
insurance company
 for clarification and get a written response.

Tags:
Accidental Death
Accidental Death And Dismemberment Insurance
Accidental Death Insurance
Heart Attack
Life Insurance
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Bagaimana Syarikat Insurans Auto Memeriksa Latar Belakang Anda?

Mengambil insurans kenderaan merupakan urusan serius. Lebih banyak yang diperlukan berbanding apa yang anda tahu. Anda mungkin telah sedar bahawa
syarikat insurans
 kenderaan meneliti sejarah pemanduan anda sebelum menawarkan
insurans
 kepada anda. Namun, tahukah anda mereka turut meneliti rekod kewangan dan rekod jenayah anda juga? Adakah anda ingin mengetahui bagaimana dan mengapa kebanyakan
syarikat insurans
 melakukan proses ini? Kami akan membongkarkan semuanya dalam video ini!

Hai, dan terima kasih kerana menyertai saya dalam episod hari ini! Saya duta jenama Fincrew Yuna. Semasa mengambil
polisi insurans
, 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 ‘Subscribe’ dan aktifkan notifikasi!

Satu 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
insurans kenderaan
. Ini mempunyai kaitan langsung dengan apa yang akhirnya anda bayar sebagai premium.

Risiko Rendah Sama Dengan Premium Rendah Dan Risiko Tinggi Sama Dengan Premium Tinggi

Untuk menentukan tahap risiko dengan tepat bagi memberikan pelindungan kepada anda, pihak insurans akan memeriksa perkara berikut mengenai anda:

Sejarah pemanduan anda

Sejarah kredit dan kewangan anda dan

Rekod jenayah anda

Sejarah Pemanduan Anda

Ini biasanya maklumat pertama dan terpantas yang boleh dicari oleh syarikat
insurans kenderaan
 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.

Rekod Kredit Anda

Perkara 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.

Rekod Jenayah Anda

Tindakan 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.

Savings up to RM300 + Road Tax Deliver To Your Door Step

Kami akan mendedahkan dengan lebih lanjut mengenai hal ini dalam video berikutnya, jadi pastikan untuk terus menonton! ‘Subscribe’ saluran ini, dan jangan lupa untuk mengaktikfkan notifikasi. Jumpa anda lagi dalam video kami yang seterusnya!

Tags:
Insurans Auto
Insurans Kenderaan
Syarikat Insurans
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What Is a Robo Advisor And How Does It Work?

Robo advisors
 appeal to anyone who has ever wanted a robot to clean their house or walk their dog. Indeed, clients who use the
Robo advisor
 service don’t get their windows cleaned, or their pets cared for. Still, they get something more valuable: an opportunity to invest relatively hands-off.

What Is a Robo Advisor?

A
Robo advisor
 is a platform that provides automated, algorithm-driven
financial
 planning services with minimal human involvement.
Robo advisors
 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
Robo advisors
 offer simple account setup, goal planning capabilities, portfolio monitoring, and account services. Additionally, they provide quality customer service,
comprehensive
 educational materials, and low fees.

How Much Do Robo Advisors Cost?

Using 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
financial advisor
. 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’t 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.

Robo Advisory Features

Portfolio Management

A Robo advisor creates the best portfolios based on an investor’s 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.

Tax-Loss Harvesting

By 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.

Robo Advisors: Are They Safe?

I 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’s 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’s appetite for risk.

Tags:
Financial Advisor
Government Bond
Investment
Robo Advisor
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Waiver Of Betterment In Auto Insurance

The purpose of a motor insurance policy is to restore the owner’s financial status to what it was before the accident.
Betterment
 is applied when replacing an old part of an accident-damaged vehicle with a new one as part of the repair process.
Betterment
 is a percentage of consumers’ 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,
insurance providers
 require that the car’s owner pay for the cost difference.

Betterment In Auto Insurance Explained

A thoroughly responsible person for your accident cannot be held liable for your car’s 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’s depreciation occurs due to its age or uses, determining how much of the settlement you receive. Some components on your car have a “life expectancy,” and your
insurance
 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
time of the accident
, 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
car insurance company
 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 “betterment” for car insurance claims.

Liberalization Of Motor Insurance In Malaysia

Motor insurance
 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’s 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
motor policy’s
 terms and conditions carefully. Consumers can lodge complaints directly with the Ombudsman for Financial Services (OFS) when they disagree with the insurer on
motor insurance
 claims. OFS is an independent alternative dispute resolution channel.

Waiver Of Betterment

Many insurance companies have developed an attractive
motor insurance
 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:-

Age of your vehicle

The Rate applied (%)

< 5 years old

0

5

15

6

20

7

25

8

30

9

35

Ten and above

40

So What Is It Going To Be?

To buy an add-on policy for “Waiver of Betterment” or demand pre-owned or old components to prevent incurring Betterment charges. The decision is yours.

Tags:
Betterment
Insurance Claims
Motor Insurance
Waiver Of Betterment
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Things You Need To Know About Malaysia Road Tax

Did you become a vehicle owner for the first time? If that’s the case, we congratulate you and hope the car will serve you well. Apart from enjoying driving the vehicle, it’s 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.

What Is Road Tax?

A
road tax is mandatory
 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’t the only country with this tax, and you’ll often find it in other countries. If you don’t 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’t pay, they’ll write you a fine. Once you pay this tax, the authorities issue a sticker. You place that sticker on the vehicle’s windscreen. That way, the police can see it when they stop you.

Is My Road Tax Sticker Permanent?

You will notice the expiration date on your sticker. That marks the date until which you paid the
road tax
. You need to
renew
 the sticker before the expiration. It’s the only way to ensure you don’t risk being without a valid sticker.

Malaysian car owners have two options for paying a
road tax
:

Six-month payments

12-month payments

Most 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.

How To Calculate Your Road Tax?

The 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.

Peninsular Malaysia

You’ll find that the saloon cars are in the first
insurance
 category. These include convertibles, coupes, wagons, hatchbacks, and sedans. It’s irrelevant if you have diesel or petrol engines. In Peninsular Malaysia, there’s 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:

CC

Base Rates

Progressive Rates

Road Tax

<1,000

20

/

20

1,001 – 1,200

55

/

55

1,201 – 1,400

70

/

70

1,401 – 1,600

90

/

90

1,601 – 1,800

200

0.4

200.4 – 280

1,801 – 2,000

280

0.5

280.5 – 380

2,001 – 2,500

380

1

381.5 – 880

2,501 – 3,000

880

2.5

882.5 – 2,130

>3,000

2,130

4.5

>2,134.50

For 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’s worth noting that road tax remains the same for private and company-registered vehicles. Here is the table active in peninsular Malaysia:

CC

Base Rates

Progressive Rates

Road Tax

<1,000

20

/

20

1,001 – 1,200

85

/

85

1,201 – 1,400

100

/

100

1,401 – 1,600

120

/

120

1,601 – 1,800

300

0.3

300.3 – 360

1,801 – 2,000

360

0.4

360.4 – 440

2,001 – 2,500

440

0.8

440.8 – 840

2,501 – 3,000

840

1.6

841.6 – 1,640

>3,000

1,640

1.6

>1,641.6

Sabah & Sarawak

The road tax is more affordable in these areas, and there’s no difference between private and company-registered vehicles. Here is an overview for saloon cars:

CC

Base Rates

Progressive Rates

Road Tax

<1,000

20

/

20

1,001 – 1,200

44

/

44

1,201 – 1,400

56

/

56

1,401 – 1,600

72

/

72

1,601 – 1,800

160

0.32

160.3 – 224

1,801 – 2,000

224

0.25

224.25 – 274

2,001 – 2,500

274

0.5

274.5 – 524

2,501 – 3,000

524

1

525 – 1,024

>3,000

1,024

1.35

>1,025.35

And now the table for non-saloon vehicles:

CC

Base Rates

Progressive Rates

Road Tax

<1,000

20

/

20

1,001 – 1,200

42.5

/

42.5

1,201 – 1,400

50

/

50

1,401 – 1,600

60

/

60

1,601 – 1,800

165

0.17

165.17 – 199

1,801 – 2,000

199

0.22

199.22 – 243

2,001 – 2,500

243

0.44

243.44 – 463

2,501 – 3,000

463

1.88

463.88 – 903

>3,000

903

1.2

>904.2

We hope this guide covered all the basics and to make things easier for you, we created a
road tax calculator here
. Please remember
road tax is mandatory
, so make sure to pay and renew it on time.

Tags:
Malaysia Road Tax
Road Tax
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Understand Gadget Insurance And Why Would You Need One

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
insure their devices to ensure
 their safety.

What Is Gadget Insurance?

Gadget
 Insurance offers protection against various gadgets’ damage, loss, or
theft
. 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.

Do you need Gadget Insurance?

Your situation determines whether you need
gadget insurance
. Here are some questions to ask yourself:

If your gadgets were damaged or lost, could you afford to replace them?

Is the warranty still valid on your devices?

Do you have any experience with losing or damaging devices?

Is your home
insurance
 already covering your gadgets?

You can get gadget insurance for just a little money a month if you are accident prone or use your gadgets on the go.

What Does Gadget Insurance Cover?

Insurance companies
 vary in what they cover, except for the following:

Theft, which includes replacing stolen goods

Loss, which covers accidental loss of your
gadgets

Coverage for mechanical breakdowns of your
gadgets

Damages, including drops, cracked screens, and other breakages

Damage caused by liquid spills, also known as liquid damage

Worldwide coverage, which covers you for up to 90 days anywhere in the world

What Is Not Covered In The Gadget Insurance Policy?

Your policy might cover some of these, but most gadget insurance does not:

Before your insurance begins, you suffer damage or losses

Devices not listed on your policy

The manufacturer’s warranty already covers damage

Loss or damage to your gadget as a result of not taking proper care of it

You must pay your policy excess for each
claim
 you make

If you buy cover for non-new or refurbished devices, there are no manufacturer warranties

Scratches, dents, or other cosmetic damage

Your gadget’s contents, for example, photos, software, music, or downloads

Can The Replacement Cover Be Replaced With A New One?

A 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’s 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.

Do I Already Have Coverage For My Gadgets?

A separate
insurance policy
 may already cover your gadgets. For example, some homeowners’ 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
excess
 can be excessive, which means it’s not worth claiming. Nevertheless, you may still want to check if you’re 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.

There 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.

You can quote the insurance premium for your gadget at
Fincrew gadget insurance
 now.

Tags:
Accidental Damage
Coverage
Gadget
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