4 Tips For Buying Travel Insurance

Would you like to know how to get
travel insurance
? There’s 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’t touch and may not even use?

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

Tips For Buying Travel Insurance

1. Look For Insurers That Offer Excellent Customer Service

Even though you can have a fantastic time, it’s 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’s common to have questions when deciding what
travel insurance
 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
Insurance
. In the
travel insurance
 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.

2. Recognize The Value Of Travel Insurance

We hear a lot of questions about whether travel insurance is worthwhile. In the end, if you’re lucky, you won’t 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’ll 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’t confuse price with value. You will have to pay for additional travel insurance depending on the
coverage
 and the provider. Nevertheless, the plan may be worth the price if you
receive better coverage
 that meets your needs or better customer service.

3. Trust The Experts

As 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.

4. Review Customer Testimonials

Look for reviews if you are still not convinced about a specific plan or
insurance provider
 in your research. For example,
Fincrew
 Insurance also provides customer reviews. Additionally,
insurance
 providers may have more detailed testimonials that show a customer’s experience from beginning to end on their website.

Tags:
Insurance Provider
Travel
Travel Insurance Benefits
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Excess In Auto Insurance

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
excess
. If you come across the term
excess
, or someone requires you to pay it as a part of the
insurance policy
, you want to know what it is first. Here is a detailed guide on what you should know about a
auto insurance excess
 and how much you need to pay for it.

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What Is Excess On Your Car Insurance?

The critical thing to know about the
auto insurance excess
 is that it is the sum you have to pay per claim because the provider doesn’t cover it. Your policy will determine the potential excess cost for any payable claim. Here are some factors that could be considered excess:

Paying damage to a third-party because you were liable for damages to their vehicles, property, etc.

Any expenses you need to pay as a part of processing and conducting the claim.

The insurance only agrees to pay a certain sum, and you need to invest personal funds for repairing the damages on your vehicle or property.

There isn’t an exact definition of all expenses that could fall into the excess category. However, it is safe to say that those are “the insurance policy owner’s expenses that the provider isn’t required to pay.”

How Much Will Your Auto Insurance Claim Excess Cost?

Let’s imagine a situation – you participated in a vehicle accident that wasn’t your fault. Therefore, you decided to
file a claim to your insurance company
. Now, the total claim sum might be MYR2,500, but your excess is MYR250. That could happen because the
insurance company
 agreed to pay MYR2,500, but it also happened that you are liable for the third-party damage. That’s 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.

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What Is a Compulsory Excess Fee?

The previous section referred to the excess related to your policy. However, there is also the so-called CED – Compulsory Excess Fee. That’s a sum that the law requires certain persons to pay. Here are the categories of drivers who fall into that category:

Drivers who are younger than 21

Drivers that only have an L (probational) license

Drivers with P license

Those that are not policy owners and drive someone else’s vehicle.

Some people consider this a fine, and that would be a reasonably acceptable explanation. It doesn’t 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’s car or someone else’s vehicle. That covers the basics of
car insurance
 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.

Tags:
Compulsory Excess Fee (CED)
Excess
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Sue An Insurance Company That’s Not Approving Your Claim

You have the right to sue any
insurance company
 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
insurance company
, you should be aware of a few things. The worst has just happened. Either you’re the victim of
theft
, or you find your property has been severely damaged. You’ve followed due process, contacted the police and your
insurance company
 at the appropriate time. You’re 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’s all you need to know about suing your insurance company for not approving your claims.

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Why would an Insurance Company Not Approve Your Claim?

\Keeping in mind that
insurance companies
 are established to turn a profit, your insurer may invalidate your claims for any number of reasons. Listed below are a few of them.

1. Coverage

Your insurance company may claim that your policy doesn’t cover the damage payout you want to receive. Go through the fine print of your
insurance policy
 to determine what you are and aren’t insured for yourself. The good news here is that any ambiguities in court will be judged in your favor, not your insurers.

2. Application Oversight

The
insurance company
 may capitalize on any error in your original application and use it as grounds for nullifying your entire coverage.

3. Claim Errors

Depending on the requirements that your insurer employs, sometimes, merely notifying your
insurance
 provider of an accident after 24 hours may lead to your claims being denied.

4. Incident of Insurance Fraud

Submitting an insurance claim
 with falsified or exaggerated information could not only result in your claims being denied but also carries some severe legal penalties.

5. Bad Faith Denial

When your insurer is fully aware your claims are valid but hides under confusing insurance lexis, so that they don’t pay; your insurer is in bad faith denial. Once you’re certain you’ve kept up your end of the policy duly, you can start preparing for your day in court.

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Four Things to Keep in Mind when Suing Your Insurance Company

If you’ll be suing your insurance company for violating the term of your
insurance policy
, it’s 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:

1.  Keep Proof of all Interactions with Your Insurer

Be 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.

2. Keep Records of Everything Relating to the Insured Property

Keep every document relating to the insured property. It’s especially helpful if you can present an image of the insured property as it is after the accident.

3. Document your Expenses

Be as truthful as you can be when recording all the expenses you incurred, resulting from the accident. Keep everything from the
cost of repairs
 and lost wages to medical expenses.

4. Pick a Skilled Attorney

The 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.

Conclusion

Even when you’re 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.

Tags:
Attorney
Insurance Policy
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Compensation For Assessed Repair Time (CART)

If you are signing a new car insurance policy, your provider could offer a wide range of add-ons. You’ll 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’s crucial to learn more about it. That way, you can make an informed decision whether that’s an extra option to use in your insurance policy.

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What Does CART Mean?

The term
compensation for assessed repair time
 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’ll have to take it to the mechanic. Those will usually be workshops that work with that
insurance
 agency. They might take two or seven days to finish the repair process. You won’t 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.

Who Determines CART?

Two factors are crucial to determine
compensation for assessed repair time
:

Estimation of the appointed licensed adjuster

Specifics of your
insurance policy

If you participate in an accident, you file a police report and
insurance claim
. 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’s specifics. Once you signed the coverage, you agreed to specific terms for this add-on. Most
insurance companies
 offer a selection from different packages, and factors to choose from include:

Amount to be paid per day (RM50-200 in most cases).

Coverage days (from seven to 21 days or more).

Now, let’s 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 “10%” of the entire value, which means this add-on will cost you RM70.

Can You Use CART For Multiple Accidents?

Yes, but the condition is there are days available in your add-on policy. Here is an example – let’s 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’ll receive RM250 for five days. The next accident occurred in August, and the adjuster estimated repair time at nine days. That means you’ll receive RM450 for all nine days. However, if the estimation is ten days, you’d still receive only RM450 because you have nine days left on your deal. Please note that renewing your agreement means you can count the
CART
 days from zero. As you can see,
CART
 is a useful addition to your
car insurance policy
. However, it all comes down to your decision because you aren’t mandatory to include it in the deal.

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

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Car Insurance
CART (Compensation for Assessed Repair Time)
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Top Auto Insurance Companies In Malaysia

Insurers that offer the cheapest rates aren’t necessarily the best. Insurance is a tricky business, and it’s tempting to shop based on price alone, but you’ll need a company that will help you if you need to file a claim. It’s not worth picking the cheapest coverage only to find out it doesn’t offer you the protection you need. For 2022, we have compiled our list of the best
auto Insurance companies
 for you to choose from for your insurance needs.

Which Auto Insurance Companies Are The Best In Malaysia?

Across the country, we talked to real customers at four of the largest
auto insurance companies
. 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
insurance companies
 whose policies are most likely to be renewed and recommended by their policyholders.

Top Ranked Auto Insurance Companies In Malaysia

1. Allianz Car Insurance

There are many
auto insurance
 companies in Malaysia, but we found
Allianz
 to be the best. This
insurance provider’s
 customers are delighted with its customer service. In addition to its ease of
filing claims
, 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’s progress. Their customers also appreciate the company’s claims handling process.

2. AXA Car Insurance

According to most survey respondents,
AXA
 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
business
. As part of AXA’s unique offerings, we offer SmartDrive Enhanced Private Cars with Telematics. If you add AXA FlexiDrive to your policy, your
premium rates will be lower
! Generally, insured drivers through AXA believe that the company is a good value.

3. Etiqa Car Insurance

At the top of our list,
Etiqa
 is the third-best
auto insurance
 company. In general, consumers who have
filed a claim
 agree that Etiqa makes the process easy. They offer a 10% rebate on top of your
NCD
 if you renew online. The company provides
insurance
 and 24-hour roadside assistance, emergency medical assistance abroad, and unfound friends and family assistance in every insurance company. It is Etiqa’s customer assistance system that gives you the feeling of security and safety. According to the survey, most respondents plan to
renew their policy
 and are likely to recommend Etiqa to friends and family.

4. Zurich Car Insurance

Although
Zurich Car Insurance
 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:

Drivers with low risk can receive a 10% discount on their premium

With voluntary
excess
, you can receive a discount of up to 20%

Water damage coverage as low as RM10 per year

Driver and passengers can get an accident insurance policy for as little as RM15 per year

Access to a courtesy car on an unlimited basis

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

Tags:
Allianz
AXA
AXA FlexiDrive
Etiqa
No Claim Discount (NCD)
SmartDrive Enhanced Private Cars
Zurich
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Total Loss Dalam Syarat Insurans Kereta

Apabila bercakap tentang soal
insurans kereta
, 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
insurans kenderaan
. Salah satu perkara yang paling penting yang perlu anda tahu adalah tentang ‘
total loss
’ atau kerosakan sepenuhnya.

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Apa Itu Total Loss?

Bagaimana 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
total loss
 disebabkan dua keadaan. Yang pertama, kereta tersebut dicuri. Kedua,kenderaan tersebut
terlibat dalam kemalangan
 dan mengalami kerosakan sehingga tidak dapat digunakan lagi.

Dalam artikel ini, kami akan menerangkan secara lebih mendalam tentang senario yang kedua. Agensi
insurans
 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’(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.

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Apa Yang Akan Terjadi Kepada Kenderaan Yang Diisytiharkan Total Loss?

Sekiranya 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,
syarikat insurans
 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.

Nah! Sekarang anda sudah pun tahu tentang apa yang perlu diketahui mengenai total loss dalam
insurans kereta
.

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Tags:
Insurans Kereta
Total Loss
Total Loss Formula (TLF)
Total Loss Threshold (TLT)
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Why Is Renewing Auto Insurance On Time Important?

Your
auto insurance
 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
renew your auto insurance
 on time? Read on to know more.

The Significance Of Renewing Your Auto Insurance On Time

As the common saying goes, “It is of no use crying over spilled milk.” Most people don’t either buy auto insurance policies or don’t bother renewing them when it expires. Thus, when an
accident happens
, they end up with a big financial mess. Renewing your
auto insurance
 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.

Non-renewal Of Auto Insurance Is Illegal

Driving 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
police officers
, he isn’t 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
insurance
. 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.

Zero Protection

Your 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.

Prospect Of Inspection

If 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.

High Premium

Whenever you want to renew your
auto insurance policy
, your insurance company will ask you whether your earlier policy has expired or not. It is mainly to determine your new premium. If you’re the type that renews your policy before it expires, you can quickly get lower
premiums
. But, if you wait to renew after the policy’s expiration, you probably would be charged a higher premium.

Loss of No Claim Bonus

Insurers give a
No Claim Bonus
 (NCB) as a bonus for safe driving. If you manage not to make any
claim
 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
making any claim
 for five successive years. However, a discount will be given if your
auto insurance policy
 is renewed on time.

Final Thought

The 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.

Tags:
Insurance Premiums
No Claim Bonus (NCB)
Renewal Discount
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Langkah-langkah Penting Semasa Mengemukakan Tuntutan Insurans Kereta

Mengikut 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
tuntutan insurans
 kenderaan anda? Teruskan menonton untuk mengetahui maklumat tentang ini danncd banyak lagi!

Hai! Saya Yuna duta jenama Fincrew, dan dalam video ini saya akan menunjukkan kepada anda bagaimana untuk berjaya dalam proses mengemukakan
tuntutan insurans
 untuk kenderaan anda! Adakah anda ingin berjimat dalam
insurans kenderaan
? Jadi, anda tidak boleh ketinggalan walau satu video dalam siri Video Insurans360 kami! Cukup sekadar klik butang ‘Subscribe’ 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.

Hari ini di negara ini, anda boleh menuntut salah satu daripada dua
jenis insurans
 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!

Tuntutan Insurans Kerosakan Sendiri

Penting untuk diingatkan bahawa anda tidak boleh mengemukakan tuntutan ini terhadap mana-mana sahaja
pelindungan insurans kenderaan
. Anda mesti memiliki polisi insurans kenderaan komprehensif sekiranya kemalangan tersebut berlaku bukan diakibatkan oleh anda. Tapi, anda mungkin akan kehilangan hak istimewa
Diskaun Tanpa Tuntutan (NCD)
. Berikut merupakan cara bagaimana proses ini berjalan. Pertama, anda perlu:

Hubungi Syarikat Insurans Anda

Lebih 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.

Failkan Laporan Polis

Langkah 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!

Dokumenkan Kemalangan Tersebut

Ambil bukti fotografi semua kenderaan yang terlibat dalam kemalangan, kumpulkan maklumat lesen, perincian plat kenderaan, dan semua maklumat lain yang berkaitan.

Sediakan Dokumen Berkaitan

Di bengkel yang telah ditentukan, anda akan diminta untuk melampirkan dokumen tertentu. Sebahagiannya merangkumi salinan asli laporan polis dan laporan penyiasatan anda, borang tuntutan daripada
syarikat insurans
 anda, bil pembaikan, kad pengenalan anda dan pihak ketiga. Anda juga akan diminta untuk menyerahkan dokumen yang sama kepada
syarikat insurans
 anda dan juga entiti lain yang diperlukan.

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

Tuntutan Insurans Pihak Ketiga

Setelah anda membuat laporan polis dalam tempoh 24 jam, anda juga mesti:

Menyediakan Dokumen Yang Diperlukan Untuk Tuntutan Pihak Ketiga

Secara asasnya, ia merangkumi dokumen seperti gambar kenderaan anda yang rosak, plat lesen, dan nombor plat kereta.

Pindahkan Kenderaan Anda Ke Bengkel Insurans Pihak Ketiga

Langkah 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.

Dapatkan ‘Adjuster’ Bebrlesen Untuk Menilai Kerugian

Anda juga perlu membawa ‘adjuster’ berlesen untuk membantu anda menilai kos pembaikan dan Pampasan untuk Waktu Pembaikan yang Dinilai atau CART.

Kumpulkan Semua Dokumen Yang Berkaitan

Fail-fail ini merangkumi item asal seperti salinan asal laporan polis dan laporan penyiasatan anda, borang tuntutan dari
syarikat insurans
 anda, bil pembaikan, kad pengenalan anda dan juga pihak ketiga serta laporan keputusan yang diberikan polis kepada anda.

Dengan 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 ‘Like’ video ini ‘Subscribe’ dan aktifkan notifikasi. Jadi anda akan dapat menonton video akan datang kami dengan segera! Terima kasih kerana menonton!

Tags:
Adjuster
CART (Compensation for Assessed Repair Time)
Insurans Pihak Ketiga
Tuntutan Insurans
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How Do Insurance Companies Handle Hit And Run?

Finding yourself to be a hit and run victim is always stressful. A
hit and run
 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’s vital to prepare yourself for these situations since you never know when they might occur. Here is a guide to how the
insurance
 companies handle
hit and run
.

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What You Should Know About Hit And Run

These 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’s vital to act immediately and memorize the car’s license plate number. If it’s possible, write it down right away, so you don’t forget it. Here is what you do when you are a hit and run victim:

File 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.

Call the
insurance provider
. It’s vital to consult with a professional to consider the next steps that are best for you and the company. It’s 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.

What To Do If You Have The Vehicle Registration Number?

That 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:

Pay for the damage – it might be a smart decision with minor damage cases. When it comes to
insurance companies
, don’t forget to consider the no-claim discount. It ensures a lower price when renewing your policy. If you estimate that the
No Claim Discount (NCD)
 is higher than the potential damage, it might be smart to pay yourself.

File a claim against the
insurance provider
 – the next option is to
file an insurance claim
. That means the insurance company will pay for the damage (as long as you are the victim). However, you won’t be eligible for a no-claim discount next time you renew the contract.

Ask the other party to compensate – it’s more of a request than a plea because you file a police report and an
insurance claim
. 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.

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However, this is only an option if you have the culprit’s license plate number. If they don’t 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’t 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’s a question of how successful it will be. It helps if you have an own damage claim within your
insurance policy
. That allows you to file a claim, but please note you can’t use the
No Claim Discount (NCD)
 anymore.

Tags:
Hit And Run
Insurance Policy
No Claim Discount (NCD)
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Apakah Perbezaan Pelindungan Pihak Pertama Dan Pelindungan Pihak Ketiga

Bagi pemilik-pemilik kenderaan bermotor di Malaysia, anda pasti sudah biasa mendengar tentang pelindungan ‘first party’ (pihak pertama) dan juga ‘third party’ (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
perbezaan di antara dua jenis pelindungan
 ini?

Perbezaan Lain Di Antara Dua Jenis Pelindungan Ini

1. Kerugian

Secara umumnya,
pelindungan pihak pertama
 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
sekiranya kemalangan tersebut berlaku
 disebabkan kecuaian anda sendiri. Contohnya kemalangan tersebut berlaku disebabkan anda tertidur atau sedang menggunakan telefon bimbit.
Pelindungan pihak ketiga
 pula merupakan, pelindungan yang paling asas yang wajib diambil oleh setiap kenderaan di Malaysia. Tetapi
pelindungan pihak ketiga
 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
syarikat insurans anda
. Untuk kerugian yang anda alami pula, anda harus mengeluarkan duit poket anda sendiri.

2. Trak Tunda / Road Assistance

Untuk
pelindungan pihak pertama
, 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 ‘road assistance’ ke lokasi kejadian untuk membantu menyelesaikan masalah anda. Semua kos baik pulih serta upah trak tunda ini akan ditanggung sepenuhnya oleh
polisi insurans
 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
syarikat insurans
 yang menawarkan khidmat trak tunda kepada pemilik polisi pelindungan pihak ketiga. Namun begitu, pemilik polisi masih perlu membuat bayaran tertentu.

Ada juga yang memberikan manfaat servis trak tunda dengan syarat pemilik insurans perlu melanggan polisi ‘Driver Passenger Accident’. Apa-apa pun, anda boleh merujuk terus kepada syarikat insurans untuk mendapatkan kepastian tentang manfaat ini.

3. Pelindungan Tambahan

Polisi
insurans kenderaan
 pihak pertama memberikan pelindungan yang lebih menyeluruh kepada pemegang polisi. Sebagai contoh, mereka yang mengambil polisi insurans pihak pertama boleh memohon
pelindungan tambahan
 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
insurans kenderaan komprehensif
 yang menawarkan pelindungan paling menyeluruh kepada pemilik kenderaan.

Untuk mendapatkan maklumat lanjut, anda boleh terus ke laman web
Fincrew
 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.

Tags:
Pelindungan Pihak Ketiga
Pelindungan Pihak Pertama
Pelindungan Tambahan
Polisi Insurans
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Car Insurance For Taxi Drivers

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’re all prepared for the intrigue, the uneven tips, and the exciting conversations. Though your license is all squared away, you’re concerned about the proper insurance you need. Whether you’re a commercial taxi driver or an e-hailing driver, you need to carefully note the best
car insurance
 coverage
 that will suit your needs. I am sure you wouldn’t want to be surprised by a rejected claim after an incident.

What Is Taxi Insurance?

Taxi insurance
 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
taxi insurance
 for you and your vehicle, so comprehensive insurance is crucial to protect your livelihood.

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What Does Taxi Insurance Cover?

Just like every other regular
insurance
, 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’re 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
personal insurance
 doesn’t stand in for taxi insurance.

Three main types of
vehicle insurance
 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
Third Party
, 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.

Do Personal Insurance Policy Covers Grab Or Uber Drivers?

Whether ‘comprehensive’ or ‘third party,’ all personal
car insurance policy
 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’t 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
car insurance
 provider is a big NO as it can land you in serious trouble. Recall that you must first lodge a police report before
making a claim from your car insurance policy
. 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 – or both! So think twice before making a false claim.

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What Are The Insurance Options For Grab Or Uber Drivers?

The coverage options for an e-hailing driver right now is somewhat limited. There is a considerable gap between the companies’ coverage; for instance, Grab usually only provides
personal accident insurance
 and conventional private
car insurance
. However, several
insurance companies
 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.

Tags:
Grab
Taxi Insurance
Third-Party Coverage
Uber
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Car Insurance Policy Price For Young Drivers

We all know that having a valid
car insurance policy
 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’s 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
car insurance policy
 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.

No Information About The Type Of Driver You Are

If you are young, the odds are that you recently acquired your
driving license
. It might be your first time dealing with that insurance agency, or it is the first
car insurance cover
 you ever sign. Whatever the reason, the provider doesn’t 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
policy cost
 higher than usual. The good news is that the
car insurance
 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.

The Statistics Don’t Speak In Your Favor

The authorities are keeping track of the
accidents and casualties on the road
 throughout Malaysia. Unfortunately, the statistics don’t 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
car insurance
 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.

You Already Have A History Of Claims

Even though you are a young driver, you might have participated in an accident already. That is why you
filed a claim to your insurance
 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
insurance companies
 that you are a reliable driver. Filing a claim is a setback that you should avoid, especially in case of small damages that don’t exceed the value of the
no claim discount
 (NCD).

What Else Could Increase The Cost Of Your Policy?

Here are some other factors that could increase your policy’s price:

Old vehicle – 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.

Driving around the city – 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.

Gender – once again, the
insurance providers
 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.

The price of your desired
insurance deal
 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.

Tags:
Car Insurance Discounts
insurance
Insurance Policy
No Claim Discount (NCD)
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轮胎破损，保险赔吗？

欢迎收看保险360, 我是 Cassandra。
轮胎
对于汽车来说是非常重要，因为
轮胎
是汽车最缺一不可的配备，更是能够影响行驶路上的安全。因此轮胎安全一直备受关注。在马来西亚，因轮胎而发生事故的事件不胜枚举。比如说，因爆胎而导致无法控制汽车所造成的车祸。那么你可能会想，轮胎损坏是否能够理赔？又或者，你认为买了综合性保险，就一定可以理赔。这可不一定！一般上，
保险公司
并不会因为轮胎损坏而进行理赔，这是因为轮胎是车上磨损率最高的零件。轮胎的理赔一直处于模糊的地带，所以今天我们将会为大家分析几个不同的个案。

第一、因偷窃或蓄意被他人破坏的轮胎。

如果你是有购买2号保险（
Third Party
, Theft and Fire Car Insurance）和综合性保险（comprehensive car Insurance），
保险公司
会依据你的保险的覆盖范围理赔。如果你没有购买以上任何保险类型，你很有可能就得自行负责。

第二、因磨损而磨平轮胎

保险公司并不会因磨损而磨平轮胎进行理赔。 你需要自付以及更换新轮胎。

第三、因事故造成轮胎破损

如果轮胎和车身一起破损，保险公司可依据购买车的险进行理赔。但是如果只是轮胎破损，一般保险公司并不会理赔。总之，在我们购买任何汽车保险前，一定要留意保险的覆盖范围和免赔款事项。希望通过今天的视频，你已经了解更多车险的咨询。如果你喜欢我们的保险360系列，记得按赞与分享！

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

Tags:
Comprehensive Coverage
Third Party Insurance
保险公司
轮胎破损
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Travel Insurance For Local Travel

In many countries,
travel insurance
 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.

Is Domestic Travel Insurance Worth The Cost?

No 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’t need domestic travel insurance. In some cases, domestic travel insurance is essential, for example:

Coverage Against Natural Disasters

Natural 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.

Trip Cancellation

To 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’t the travel provider’s 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.

Baggage Loss

Losing luggage on a domestic flight is just as likely as on an international flight. You can protect yourself with an
insurance
 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 ‘portable contents’ insurance for specified items under your homeowner’s 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’re covered at all times. Moreover, domestic travel insurance policies typically exclude stating that they will not cover you if another
insurance
 plan has already covered you.

A Medical Emergency

A domestic travel insurance policy also provides coverage for medical treatment, evacuations, and
personal accidents
.

Typical Exclusions

You will find that domestic
travel insurance
 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
travel insurance
 unless you have declared them in advance and perhaps paid an additional premium. Similarly,
insurance companies
 may raise your premiums or stop offering you coverage entirely as you get older.

Liability Cover

Most
domestic travel insurance
 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
contents insurance
, and your
domestic travel insurance
 will not cover liabilities covered under your other policies.

Tags:
Baggage Loss
Domestic Travel Insurance
Liability Cover
Natural Disasters
Travel Insurance
Trip Cancellation
Typical Exclusions
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Calculating Trip Costs For Trip Insurance

It is essential to calculate
trip costs
 correctly to
choose the best travel insurance plan
. Your final trip price will play a role in determining the price of your project. Sometimes, travelers get confused when they hear
trip costs since
 they assume that includes all of their expenses. Nevertheless, “insurable” trip costs are not the same as “total” costs.

Insurable Trip Cost: What Does It Mean?

The only expenses you can add to a travel insurance policy are prepaid non-refundable ones. Therefore, you can only have
insurance coverage
 for the unrefunded prepaid costs in the event of a cancellation. These expenses include airfare, cruises, hotels, tours, and prepaid excursions. Most
insurance
 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’s what I mean.

Dave plans to visit Bermuda. Here are his expenses:

RM800 for air travel

He must pay RM2,000 for the hotel (RM200 refundable in case he needs to cancel)

The cost of excursions is RM500

The total cost of Dave’s expenses is RM3,300. Dave’s 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
trip protection
 for refundable expenses.

How Do I Calculate Trip Cost?

The 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
insurance coverage
 for government taxes and fees associated with the frequent flyer miles, but not for the actual miles/points. The
credit card
 company or airline will reimburse the points or miles. Trip costs determine the cost of
travel insurance plans and the benefit
 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’ve 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.

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

Is Trip Cost Calculated Per Person?

Buying the correct
trip insurance
 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’ll give you another example.

Nancy 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
trip insurance
, they can report their separate, insurable trip costs. Nancy should provide RM2,000 as her insurable trip cost, and Bob should provide RM1,000.

How Do You Calculate a Trip Cost For Groups?

It’s possible to share reservations when
traveling as a couple or group
. 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.

Do You Have a Question About How To Calculate Your Trip Cost?

It’s 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.

Tags:
Group Travel Insurance
Travel Insurance
Trip Cost
Trip Insurance
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Learn How Malaysia Road Tax Work And Calculated

Are you on the hunt for a Perodua Myvi, or would you like to renew your
road tax and insurance
? Have you ever wondered how much
road tax
 you must pay? Have you ever wanted to know how
Malaysian road taxes work
? Malaysian drivers must pay different amounts of
road tax
 depending on their car’s CC (also known as engine capacity)! Here, we will be discussing what road tax is, how it works and how to calculate it.

Malaysian Road Tax: What It Is And How It Works

Taxes collected by the government from vehicle owners are called road taxes. Automobile owners are required to have both
road tax and insurance
. Generally, the larger the vehicle, the more charges are necessary. Road taxes are used to maintain the country’s road network. The road tax cost depends on the type of vehicle, fuel used, the
engine capacity
, and if the car is used for
commercial
 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.

Vehicles that are owned privately are classified as ‘saloons .’Sedans, hatchbacks, and convertibles are classified as ‘saloon’ vehicles in the automotive industry. ‘Non-saloon’ 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, ‘Company-Registered Saloons’ will pay a higher amount than ‘Private Saloons.’ 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.

How Do You Calculate Road Tax In Malaysia?

As an example, let’s examine the
calculation of road tax
 for a Proton Perdana. The Proton Perdana 2.4L has a 2,354 CC engine.

Base Rate

Using 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.

Progressive Rate

The 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:

= 2,354cc – 2,001cc

= 353cc x RM1 (progressive rate)

= RM353

Total Road Tax Amount

= Base Rate + Total of progressive rates

= RM380 + RM353

= RM733

Now 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
renewal
, or you will face serious consequences.

Road Tax for Private Cars In West Malaysia

ENGINE (CC)

BASE RATE

PROGRESSIVE RATES (PER CC)

ROAD TAX AMOUNT

1,000 and below

RM20

–

RM20

1,001 – 1,200

RM55

–

RM55

1,201 – 1,400

RM70

–

RM70

1,401 – 1,600

RM90

–

RM90

1,601 – 1,800

RM200

RM0.40

RM200 – RM280

1,801 – 2,000

RM280

RM0.50

RM280 – RM380

2,001 – 2,500

RM380

RM1.00

RM381 – RM880

2,501 – 3,000

RM880

RM2.50

RM882 – RM2,130

3,001 and above

RM2,130

RM4.00

RM2,134 +

Road Tax For Private Cars In East Malaysia

ENGINE (CC)

BASE RATE

PROGRESSIVE RATES (PER CC)

ROAD TAX AMOUNT

1,000 and below

RM20

–

RM20

1,001 – 1,200

RM44

–

RM44

1,201 – 1,400

RM56

–

RM56

1,401 – 1,600

RM72

–

RM72

1,601 – 1,800

RM160

RM0.32

RM160 – RM224

1,801 – 2,000

RM224

RM0.25

RM224 – RM274

2,001 – 2,500

RM274

RM0.50

RM274 – RM524

2,501 – 3,000

RM524

RM1.00

RM525 – RM1,024

3,001 and above

RM1,024

RM1.35

RM1,025+

Tags:
Malaysia Road Tax
Road Tax
West Malaysia
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How To Create An Estate Plan

You are aware of the need to have an
estate plan
. When you do not prepare an
estate plan
, your survivors have difficulty settling your affairs. Regardless of your complex’s size estate, it would be best if you planned in case of your death

What Is Estate Planning?

The
Estate Planning
 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
Estate Planning
, you can create a platform you can adjust as your
financial
 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.

Inventories Should Be Itemized

It 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’d like them to have the item after you pass away.

Plan For The Needs Of Your Family

Knowing what’s in your estate is the first step in
protecting assets and your loved ones after you die
. Next, you must have enough
life insurance
 – if you’re wondering, “How much life insurance do I need?” The answer will differ based on several factors, such as where you live, if you’re 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
write your will
, 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’t 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.

Make A List Of Your Debts

Make a separate list of
credit cards
 you have open and other obligations you may have. Include all your debts, such as auto
loans
, mortgages, and any other loans you may have. Please Include:

The account numbers.

The locations of the signed agreements.

Addresses of the companies with which they owe a debt.

Include all your credit cards. Note which ones you use regularly and which ones you tend to leave unused.

Choose An Estate Administrator Who Is Responsible

After you die, your executor or estate administrator will be responsible for your will’s 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’t Assume They’re The Best Choice. Instead, Consider How This Person’s Decision-Making Capacity Will Be Affected By The Emotions Related To Your Death. If That Becomes Problematic, Seek Out Other Qualified Individuals.

Create A Will

A 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.

Take care of your loved ones by planning your legacy today

Creating a will
 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.

Tags:
Estate Plan
Online Will Writing
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汽车保险有包括汽车维修吗？

欢迎收看保险360, 我是 Cassandra。普通的
汽车保险
主要是保障车主在发生交通意外时的权益。所以基本上他们所负责的维修范围只包含了因天灾或意外而导致的损坏。至于普通的定期或不定期
汽车维修
嘛，是不包含在内的哦！这一切也都必须在保单内明文规定的事故如撞车、撞人、撞动物、甚至是水灾之类的才有包括在内。任何没有列明的事故，一切都要经过保险理算师的调查才可以确认理赔范畴。

那既然普通的
汽车维修
是不包括在这份
汽车保险
的，那有什么类型的保险是针对这方面的需求而面市的吗？的确是有的。但是车主需要另加购买。然而有些车险有包括汽车抛锚的拖车服务。虽然这一项服务不需经由意外才能启动，但服务范围通常有距离限制，而且仅包含拖车，并没有包含修理费用。也就是说你的汽车被拖到修车厂过后，维修费用还是要自费的。通常新车都有一个3到5年的保固期，在这期间有任何非人为事故而引起的毛病都可以获得免费维修。但也需明白其中的条款，未必每一种都列为免费维修的范围内。

那么话说回来，特定的汽车保修保险是需要加购，代表花更高的保费。如果车子过了保固期，就可以考虑这类保险，尤其是汽车零件特别昂贵的欧洲进口车，换一个小小的零件动辄就几千零吉的费用，的确可以考虑购买这个保险的。车主们需要自己敲一敲算盘，看看保费与维修费是否值得。

希望我们今天的视频教会你一点点， 让你更懂得车险的咨询！如果你喜欢我们的保险360系列，记得按赞与分享！记得订阅我们的频道还有开启小铃铛，这样你就不会错过新影片的通知。我们下次见！

Tags:
保险
汽车保险
汽车维修
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Apa Yang Perlu Anda Lakukan Sekiranya Anda Mengalami Kemalangan

Kata orang, malang itu tidak berbau. Di saat kita memandu dengan berhari-hati dan berhemah pun, kita masih lagi berpotensi untuk terlibat dalam
kemalangan
. Jika berlaku
kemalangan
, 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.

1. Periksa Diri Dan Persekitaran

Perkara 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 ‘hazard lamp’. 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 ‘road assistance’ yang disediakan oleh
syarikat insurans
 anda. Jangan lupa untuk mencatat nombor pendaftaran trak tunda, nama pemandu dan juga nombor telefon pemandu trak tunda tersebut.

2. Bertenang Dan Jangan Panik

Dalam keadaan ini, anda perlu cuba bertenang dan jangan panik. Untuk kes yang agak serius, telefon khidmat ‘road assistance’ bagi membantu anda. Terangkan situasi anda kepada mereka dan tunggu sehingga bantuan tiba. Untuk pengetahuan anda, khidmat ‘road assistance’ 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.

3. Kumpulkan Bahan Bukti

Catat 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
syarikat insurans
. Jangan sesekali mengaku sebagai punca kemalangan, bersetuju menyelesaikan kes dengan tawaran wang atau menandatangani apa-apa dokumen. Ini akan menyebabkan anda gagal untuk mendapatkan
tuntutan insurans
 nanti.

4. Buat Laporan Polis

Segeralah 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.

5. Hubungi Syarikat Insurans Anda

Setelah itu, anda perlu segera menghubungi pihak
insurans
 anda bagi memulakan proses
membuat tuntutan
 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
menanggung kos kerosakan
 tersebut.

Untuk mendapatkan pelan
insurans kenderaan
 terbaik, lawatilah laman web Fincrew.my. Ini bagi memastikan anda sentiasa dilindungi dari kejadian yang tidak diingini seperti di atas.

Tags:
Kemalangan Jalan Raya
Syarikat Insurans
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3步教你如何降低车险费用？

欢迎收看保险360, 我是 Cassandra。即将购买车或是已经拥有车的车主都知道，为汽车投保是一件必做的事。 只要拥有车，保险费就是每年必须付的一笔费用。许多人认为， 除了更改保险的种类或是更换保险公司之外，便没有任何办法降低保险费，这是大部人的刻板影响。事实上，汽车保险并非有固定的保险费，你可以通过以下这些小贴士来降低你的保险费。

第一，不同的车；保险费都不一样

如果你正在考虑购买汽车，不论是新车或是二手车，保险费的价格都不相同。 新车的保险费也会因为品牌和款式而有所不同。比如说，一辆SUV的保险费可能会比小型轿车高出很多倍；又或者一些保险公司会给予混合动力车，Hybrid car 的车主一些折扣以响应保护环境的概念。因此，在购买车前，你可以先询问各家保险公司，不同类型汽车的保险配套。

第二，维持良好的信用记录

所谓的信用记录就是我们常说的credit score。你是不是很讶异为什么credit score 会作为保险公司衡量保险费的其中一种方法呢？ Michael Barry 是美国保险研究院的副总经理，他曾经说过，虽然利用信用记录来决定保险费是具有争议性的课题，但是大部分的保险公司会以研究报告显示，信用记录良好的人，一般对自己的生活负责，那就不太可能索赔。Michael Barry，这话寓意着如果你对生活负责，便会在公路上行驶时，时刻注意安全，事故发生率也会比较低，而因索赔的机率也比较低。 加上，信用记录良好的人，一般都是准时还款且还款能利好，保险公司也不太需要担心的他们付款能力。

第三，查看不同的折扣

许多保险公司都会提供不同的优惠配套及折扣以吸引更多的车主购买他们的保险配套。因此，在询问保险配套时，不妨问你的保险中介员是否有折扣。一般保险公司都会提供以下折扣，如续保折扣 （Renewal）、多辆车折扣（Multiple-car) 等。所以，在购买前，先询问以避免不必要的费用。

希望我们今天的视频教会你更多
车险
的咨询！如果你喜欢我们的保险360系列，记得按赞与分享！记得订阅我们的频道还有开启小铃铛，这样你就不会错过新影片的通知。我们下次见！

Fincrew Official Youtube

Tags:
Credit Score
Michael Barry
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Ensure Your Mobile Phone With Gadget Insurance

It’s 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 – 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.
Fincrew gadget insurance
 will keep you connected and your devices secure. Fincrew’s gadget insurance plan can protect your
mobile phone
 in these situations.

What Is Gadget Insurance?

Your
mobile phone
, laptop, and fitness tracker are some of the gadgets you rely upon without a second thought every single day, and
gadget insurance
 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’s probably a good idea to consider
gadget insurance
. Examples of protected gadgets include:

Smartphone

Tablet

Sat nav

Smartwatch

Digital camera

Fitness trackers

Laptop

Games console

Airpods

Is Gadget Insurance Necessary?

If 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
insurance coverage
 through a current policy, like contents or travel insurance, but you’ll need to verify that it’s adequate. Additionally, it would help to remember that you have to pay an
excess
 on these policies, which can be higher than a gadget policy. Indeed, it might not be worthwhile to
claim
 a less costly gadget if the content policy’s 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.

Why Fincrew Gadget Insurance?

Fincrew gadget insurance
 is a device protection plan for all device owners that is affordable and provides excellent coverage.
Fincrew gadget insurance
 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:

Accidental Damage

We will repair your device if it has been damaged by accident. Our
insurance
 even covers minor screen damage. However, it will be replaced if it is unrepairable.

Liquid Damage

Your gadget will be replaced or repaired if it has been damaged by splashes or total immersion.

Breakdown

If something goes wrong with your gadget, we will repair or replace it. Laptops are not included.

Theft

We will replace your gadget if it is stolen.

Family Cover

Your gadget cover covers you and your family. Your partner is also covered if they lose or damage your phone!

We 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
Theft
. Therefore, the
financial
 hardship and headache of replacing the item are minimized if something goes wrong.

Tags:
Accidental Damage
Gadget
Gadget Insurance
Theft Coverage
Water Damage
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Understand What Is All Risk In Insurance

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’s when
all risk
 coverage on your home policy comes into play. In this piece, we will review all the necessary things about all risk in insurance.

What Is All Risk In Insurance?

A basic definition of “all risks” is insurance covering any risk not explicitly excluded by a contract. In this case, flooding will be covered in an “all risks” homeowner’s policy if it does not expressly exclude it.

Understanding All Risks

The two most common forms of property insurance providers provide for homeowners and businesses are named perils and “all risks.” A called perils insurance contract only covers the perils stated explicitly in the contract. An
insurance
 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
all risk
 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 “all risks” 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 “all risks” policy; the customer can pay a floater or rider premium.

What Does All Risk Insurance Cover?

These are usually the things that we refer to when we speak of perils and risks:

Damage caused by water.

Burst or frozen pipes.

The injury usually occurs from sewer backups (be sure to check your insurance policy carefully).

Damage caused by smoke and fire.

A bolt of lightning
strikes
.

Hailstorms and windstorms.

Theft
 and vandalism.

Winter season, such as snow, ice, and sleet.

Vehicle, watercraft, or aircraft impact.

Riots or other civil disturbances.

Electrical damage caused by accident.

Despite
“all risk” insurance’s
 name, some coverage is still considered separate. They are considered exclusions; if they aren’t covered, all the more reason to read the fine print carefully. A homeowner’s liability insurance always covers injuries that occur on their property; a
claim
 will prevail that way only if the homeowner can demonstrate negligence. The policy does not cover liability issues by
all risk insurance
. Please check your policy to find out what is covered and what isn’t.

Which Risks Aren’t Covered By All Risk Insurance?

Even though they are called all risk contracts, exclusions are pretty standard. That is why
all risk insurance
 policies are sometimes called
comprehensive insurance
 or even “open peril” coverage.

Here are some of the exclusions:

There is general wear and tear.

Atomic or nuclear incidents.

War.

Terrorism-related damage.

Damage caused by pests (i.e., rodents and termites).

Pollution.

Market loss.

Mechanical breakdown.

Theft committed by employees.

Explosion in a boiler.

Water flowing overland (flooding).

Quakes.

A Few Special Considerations

To ensure the insured’s protection from the full range of loss events, “all risks” 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 “all risks” 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 “all risks” does not necessarily mean that the policy covers “all risks,” as the exclusions limit the level of coverage. If you are considering a new approach, make sure you check its exclusions.

Tags:
All Risk
All Risk Insurance
Comprehensive Coverage
Open Peril
Perils
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Essential Steps When Filing A Car Insurance Claim

Statistically 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
process of filing your auto
insurance claim
? Keep watching to find out these details and much more!

Hi! I’m Stella, Fincrew brand ambassador, and in this video, I’ll be showing you how to successfully navigate the process of
filing an
insurance claim
 for your automobile! Do you want to be auto insurance-savvy? Then you can’t 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’s begin.

In the country today, you can claim either of two
types of insurance
. You could file an
Own Damage Claim
 or a
Third Party Claim
, depending on the nature of the accident. Here is a brief description of how you can file either claim!

Own Damage Claim

It’s important to mention that you can’t file this claim on just any
auto insurance coverage
. You need to have a
comprehensive vehicle insurance policy
 in place if the accident didn’t come about as a result of something you did. However, you might end up losing your
No claim Discount (NCD)
 privileges as a result. Here’s how this process works. First, you need to:

Get In Touch With Your Insurer

The 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.

File a Police Report

This step is so important and time-sensitive, you get fined if you don’t do it when demanded! Be sure you contact the police within 24 hours of the accident occurring at the latest.

Document The Accident

Take photographic evidence of all the vehicles involved in the accident, collect license information, license plate details, and all other relevant information.

Prepare Relevant Documents

At the designated workshop, you’d 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
third party
. You’ll also be required to tender these same documents to your insurer and other necessary entities.

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Third Party Claims

After you must have filed a police report within the 24-hour time frame, you must also:

Prepare Necessary Documents For Third Party Claims

These basically include photographs of your damaged vehicle, license plates, and car number plates, among other things.

Move Your Vehicle To The Third Party Insurance Workshop

This 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.

Have A Licensed Adjuster Evaluate The Loss

You 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.

Tender All Relevant Documents

These files include items such as the original copies of your police report and investigation reports, a
claims form from your insurer
, bill of repair work, your NRIC and that of the third party, and the Keputusan report given to you by the police.

With these, you can file special and general damages claims to cover all expenses resulting from the accident. If you’d 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!

Tags:
CART (Compensation for Assessed Repair Time)
Insurance Claims
Third Party Insurance
Third-Party Coverage
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汽车意外事故索赔调查过程

欢迎收看保险360，我是 Cassandra。 你我他都是驾车人士。相信对
汽车保险
一点也不陌生。不过，不是每个人都经历过交通意外。当然，我们也不希望它会发生在我们身上。但是意外意外，意料之外，如果发生了，那该怎么处理呢？很多人的印象大概就是拍照咯，然后去警察局报案咯，然后就跟自己的保险公司报告，打电话给你的保险代理员，他们就会帮你处理咯。可是，你有没有想过到底这个过程是怎样的呢？

首先，保险公司会跟你搜集交通意外的报案记录，还有照片等。然后当然第一件事就要确认到底哪一方是肇事者。如果你不是肇事者，就只管联络对方车主的保险公司来进行赔偿数额与修理费用。这样一来，你本身的
No Claim Discount
（非索偿折扣）是不受影响的。相反的，如果你是肇事车主，那就反过来就对了。通常保险公司有自己指定的维修厂，所以我们只需要把车送去指定的车厂维修就行了。 如果车祸涉及了乘客或行人伤亡或是太过严重的汽车损害，保险公司则会派出保险理算师来进行更深入的调查。因为赔偿的数额超出平常了，而且保险公司在必要时，需要搜证，以作为上法庭的证物。尤其是涉及他人身体损伤的
事故
，人命的价值又该怎样评断？所以这时候保险理算师就需要为双方定出一个合理的赔偿数目。

除此之外，理算师还需要针对车主的供词来厘清是否符合理赔的条规。比如说如果汽车失窃是由车主本身的过失照成的，那很可能不会赔偿。所以这时候，车主必须很清楚事发经过，如果有不确定的部分，请不要随意作答，因为你所回答的供词可能会对你不利。还有很重要的是，如果你不确定整件事情，请不要签署保险理算师给你的任何文件。 以上大概就是
汽车保险
的
事故
索赔调查过程。全程大概1个月至3个月左右，甚至更长。所以身为车主的我们就尽量把资料收齐，就不会拖延整个过程。

希望我们今天的视频教会你一点点， 让你更懂得车险的咨询！ 如果你喜欢我们的保险360系列，记得按赞与分享！ 记得订阅我们的频道还有开启小铃铛，这样你就不会错过新影片的通知。 我们下次见！

Tags:
No Claim Discount
汽车意外
汽车意外事故索赔
非索偿折扣
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Tuntutan Insurans Kenderaan

Apabila kenderaan yang diinsuranskan terlibat dalam kecelakaan, tuntutan
insurans kereta
 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 ‘insurans’ yang selalu membuatkan anda merungut untuk membelinya akan memberikan manfaat yang besar. Sama ada kereta anda dicuri, atau terlibat dalam
kemalangan
 (tidak kira siapa yang bersalah), perkara pertama yang akan diberi perhatian adalah
jenis insurans
 yang anda ambil. Setelah itu, faktor kehilangan atau kerosakan kereta tersebut akan diambil kira.

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Dalam Kes Kecurian

Kes kecurian merupakan senario yang paling tidak digemari, membuatkan
polisi insurans
 jenis ini sangat penting untuk kereta anda. Kesahihan
tuntutan insurans
 anda hanya akan dipertimbangkan sekiranya anda memilikinya.

Pelindungan Komprehensif, Pelindungan Kecurian Dan Kebakaran Pihak Ketiga

Polisi asas insurans pihak ketiga tidak merangkumi pelindungan terhadap anda atau melindungi kenderaan anda dalam kes kecurian.

Sebaliknya, ia untuk melindungi dan memberi pampasan kepada pihak ketiga yang mengalami kecederaan, kematian atau kemusnahan harta benda.

Situasi Kecurian

Jika kereta yang dicuri itu bukan milik anda, anda mungkin akan beranggapan
tuntutan insurans
 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
syarikat insurans
 harus melakukan siasatan terlebih dahulu.

Untuk Kes Kemalangan Jalan Raya

Jika anda dapati
kenderaan anda terlibat dalam kemalangan
 jalan raya, anda boleh melakukan tuntutan insurans melalui dua cara. Anda boleh:

Membuat tuntutan daripada
syarikat insurans
 anda, atau

Atau daripada
syarikat insurans
 pihak lain yang terlibat

Membuat Tuntutan Insurans Daripada Syarikat Insurans Anda

Perlu diingatkan bahawa anda akan kehilangan faedah ‘
No Claim Discount
’ (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 ‘adjuster’ anda melakukan semua proses bermula dengan kereta anda.

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Membuat Tuntutan Dari Syarikat Insurans Pihak Lain

Ingat! 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 ‘adjuster’ 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.

Tuntutan Kerosakkan Umum Dan Khas

Bergantung kepada
pelindungan insurans
 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.

Tags:
Insurans Kenderaan
Insurans Kenderaan Komprehensif
Insurans Kenderaan Pihak Ketiga
Polisi Insurans
Tuntutan Insurans
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Diskaun Tiada Tuntutan Atau “No Claim Discount (NCD)”

Pernahkah anda terjumpa perkataan Diskaun Tiada Tuntutan, ‘
No Claim Discount
’ (NCD), atau Bonus Tiada Tuntutan, ‘No Claim Bonus’ (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.

Apa Itu No Claim Discount atau NCD?

‘
No claim discount
’ ataupun
NCD
, adalah pengurangan perbelanjaan
insurans kereta
 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
insurans kereta
 anda.

Bagaimana Cara Untuk Saya Membina No Claim Discount (NCD)?

Setiap tahun, jika anda tidak membuat sebarang tuntutan insurans, anda akan mendapat NCD untuk tahun berikutnya. Anda boleh mendapat potongan diskaun sehingga 30% untuk kos
insurans kereta
 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.

Apa Yang Akan Terjadi Jika Saya Membuat Tuntutan?

Jika anda membuat tuntutan
polisi insurans
, 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.

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Berapakan Had Yang Ditetapkan?

Kebanyakan 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
insurans kenderaan
 kedua. Kecuali jika NCD untuk kereta satu lain, telah diperoleh dengan sendirinya.

Tags:
Insurans Kereta
No Claim Bonus (NCB)
No Claim Discount (NCD)
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什么是汽车保险零折旧率

欢迎收看保险360, 我是 Cassandra。身为车主，你一定会尽一切可能让你的车子维持在最好的状态。 但是，万一发生事故了，你需要一笔资金去修理你的汽车来恢复事故发生前的状态。
保险公司
在进行理赔时，都会以车子发生事故前的状态作为衡量标准而进行理赔，并不是以全新车子状态进行理赔。因此，你的理赔金额可能会比较低，所以你也可能会需要自掏腰包补上修理费的结余。

你会问为什么？这是因为，车子都有折旧率。什么是折旧率呢？也就是英文所说的Depreciation Value。以最简单的方式去了解，就是资产降值了, 比如新车永远都会比二手车来的贵， 其他资产也是相同的道理。 也因为有折旧率的关系，许多保险公推出了车险零折旧率，也就是zero depreciation，以提供车主更完善的保险配套。

那什么是车险
零折旧率
呢？其实这是综合性保险配套的附加选项，车主可依据本身的意愿去选择是否需要此选项。一般上，
保险公司
都会建议购买新车的车主选择这个附加选项。为什么呢？车险零折旧率到底有什么好处？尽管车主可能会付比较高的保险费，但从长远的角度来看，一旦车主在发生事故后，车主便无需担心修理费的问题，因为保险公司将会赔偿更高的理赔金额。这主要也是因为，保险公司将不会因汽车零件的折旧率来扣除你的理赔金额。刚刚我们有提到，一般保险公司都会建议购买新车的车主添加这个附加选项。那么，你可能会问，如果我是购买二手车呢？又或者，我是否真的需要呢？其实这个答案可以从几项因素作为衡量标准。

首先，大部分保险公司只会为车龄少于5年以上的车主提供此附加选项。这是因为，车龄越大的汽车，汽车零件的折旧率就会越高、修理的费用也可能更高，因此，保险公司一般不会为车龄大的汽车提供此附加选项。其次，汽车保险会因为汽车品牌和型号而有所不同，所以如果你的汽车零件比较贵，也会建议你加额购买此选项， 因为这可以更全面的保障你的需求，以至于你无需担心因事故所造成的损失。 再来，就是车主的个人因素，这也包括了车主是否是新手或是经验不足的驾驶者，以及车主所居住的城市。一般新手发生车祸率会比经验丰富的驾驶者来的高，加上如果车主居住在繁忙的城市如雪隆区，一般都会建议车主购买这个附加选项。

希望通过今天的视频，你已经更了解车险零折旧率的好处和加额购买此选项的条件及考量因素。如果你喜欢我们的保险360系列，记得按赞与分享！记得订阅我们的频道还有开启小铃铛，这样你就不会错过新影片的通知。

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Tags:
Depreciation Value
Zero Depreciation
保险公司
零折旧率
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Does Your Car Insurance Cover Full Repair Expenses?

Following having your vehicle breakdown, your
car insurance
 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’t 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
car insurance
, but to what extent does that help you here?

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

Whether you just had the vehicle breakdown on you or you’ve 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
insurance
 agency you’re using, the type of
insurance coverage
 you have on the affected vehicle will determine the extent to which the expenses are covered. As far as car repairs go, three
auto
insurance
 coverage types
 come into play when your vehicle needs repairs. These different
coverage types insure your car
 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
cover you for full car repairs
. The primary reason for this is that every plan will require that you pay what is called “excess.” It is only after you’ve 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
car insurance
 plan. Generally speaking, the lesser the amount you pay as
excess
, the higher your premiums will be. The advantage of this is that when you eventually
file a claim
, you have less to pay out of pocket.

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Types of Car Insurance Coverage

The first type of car insurance coverage is…

Third-Party Insurance

This type of
insurance
 coverage is purely mandatory. It is what covers the expenses you incur should you damage another individual’s vehicle or property.

Third-Party, Fire and Theft Insurance

This insures your vehicle in case it’s damaged from a fire accident or cases of theft. This type of auto insurance can be considered mandatory or optional, depending on the vehicle’s 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
insurance
. You should note that this
auto insurance
 doesn’t cover car repairs that pop up suddenly.

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Comprehensive Insurance

This 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,
comprehensive insurance
 ensures you get paid the actual cash value (ACV) after your excess must’ve been removed. And finally… Should you be involved in a car-damaging occurrence, get in touch with emergency services and the police where necessary. After that, contact your
insurance agency and report a claim
. This is because the quicker you reach out and begin the process, the faster you can get things sorted out.

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Tags:
Actual Cash Value (ACV)
Comprehensive Coverage
Fire and Theft Cover
Third-Party Coverage
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Special Perils Add-on In Auto Insurance

You’ll usually find three basic
car insurance options
 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,
auto insurance policies
 also include various add-ons. These are
extra coverages
 protecting you in certain situations that your standard policies don’t cover. You’ll find a wide range of add-ons available, and one of them is
extra coverage
 for
special perils
. Let’s check out what this add-on means.

What Is Special Perils Add-On?

According to
auto insurance companies
,
special perils
 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
tree or another object to fall on your car
. 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 “special perils” was chosen for a reason. It’s because these events occur rarely. That’s why you’ll find the premium for this add-on low. The small difference in the total
insurance
 cost is why many vehicle owners choose to be on the safe side and apply for this
extra coverage
.

What Are The Benefits Of The Special Perils Extra Coverage?

The compensation you are entitled to will depend on the deal you signed. However, we’ll 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:

Full Coverage

Partial Coverage

Car value

100,000

100,000

Coverage

100%

Up to 50%, depending on your choice

Sum insured

100,000

25,000 (example)

Premium (% of the sum insured)

0.25%

0.4%

Premium amount

250RM

100RM

Repair cost for damages

30,000RM

30,000RM

Maximum potential payout

30,000RM

25,000RM

How much policyholder pays?

0RM

5,000RM

The 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
rate is higher in most insurance
 agencies. In our example, it’s 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’s worth having full coverage in case of natural disasters. That’s because special perils happen often, but they usually cause major damage. If you pick full coverage, you’ll receive 100% of the repair cost up to the
sum insured
. That gives you peace of mind, and the difference in total premium price isn’t that significant.

Do You Have To Apply For This Add-On In Your Insurance Company?

The answer is yes, and this applies to all extra coverages. You’ll 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
file a claim
 as soon as possible.

Tags:
Car Insurance
Coverage
Perils
Special Perils
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Car Servicing And Maintenance In Malaysia

The only surefire way to improve the longevity of any machine is by following a consistent
maintenance
 culture. It is where
car servicing
 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’s take a look at that now.

What Is Car Servicing?

Car servicing
 involves taking your automobile to a professional for a full health check and routine
maintenance
 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.

What Does a Full Car Service Cover?

Giving your car a full service involves:

Cleaning Or Replacing The Filters

There 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
cleaning
 or replacing them as appropriate can make a huge difference.

Cleaning Or Replacing The Spark Plugs

Cars that undergo a fairly regular complete servicing procedure are less likely to have problems starting. Taking proper and timely care of the vehicle’s spark plugs contributes to keeping the ignition in top shape.

Properly Gauging The Tires

Most vehicle owners underestimate the importance of ensuring their tires have the proper pressure. However, if you use your vehicle when it doesn’t have the correct tire pressure, you’re effectively reducing the lifespan of the tires. What’s 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.

Maintaining The Vehicle’s Lubricants

From 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.

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Cost Of Car Servicing In Malaysia Today

Since 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.

Advantages Of Regularly Servicing Your Car

Some benefits of consistently carrying out
maintenance practices on your vehicle
 are;

Reduces unnecessary expenses

Ensures your safety

Improves the lifespan of your automobile

Ensures that you can demand a higher asking price at resale

Keep your vehicle running smoothly at all times.

Conclusion

The pros of frequently servicing your car far outweigh any
financial
 constraints this exercise might put on you. So, it’s certainly worth doing. See this to complement your car servicing with excellent auto insurance.

Tags:
Car Maintenance
Car Servicing
Transmission Fluid
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