保险公司如何检查你的个人背景？

欢迎收看保险360, 我是 Cassandra。相信大家都知道每个人的保险费都不一样，
保险公司
是根据投保人资料进行分析，来归纳投保人属于高风险或低风险的驾驶者。一般上低风险者，投保人缴付比较少的保险费；高风险者需缴付较高的保险费，又或是因
保险公司
不愿承担其风险而拒绝提供保险。那么，保险公司又是以什么来衡量你属于高风险还是低风险呢？你所呈交到保险公司的资料，会有部门进行分析，保险公司也可能利用别的管道来检查和查实你所呈交的资料是否属实。普遍上，保险公司会依据基本的3点来检查你的个人背景。

第一、驾驶记录

在前几个视频曾经提过，你的驾驶记录是有决定性的因素来影响你的保险费高低。如果你一直维持良好的驾驶记录、无接受过罚单，保险公司都将你纳入为低风险群体。因此，
你的保险
费也会比较低。如果你曾经发生事故，事故过失因你而造成、曾经索取理赔、或是受过罚单，保险公司将会将你纳入高风险群体。因此，
你的保险
也会比较高。那你可能会问，保险公司又是如何得知这些记录呢？其实，保险公司会利用你所给予的身份证号码来向各单位来查实这些记录。你可能不知道，只要到特定的官方网站，你就可以通过身份证号码来查询身份证的主人是否接受过罚单、从而知道他的驾驶记录。

第二、信用记录

信用记录就是我们说的credit score了。信用记录是一个完整客观记录着你个人的收入、资产、贷款和偿还状态。你可能会问，为什么信用记录也会作为衡量标准？这是因为信用记录良好的人，一般都会有能力准时缴付款项。相反的，信用记录不太好的人，保险公司都会将此人列入高风险群体，因为此人很有可能无法缴付款项。同时，在前几集视频，我们也有聊过为什么信用记录也会列入一项能够影响保险费的原因。这是源自于美国保险研究院的副总经理，Michael Barry 所说的。他说，根据大部分的保险公司，会以研究报告显示，信用记录良好的人，对生活负责、处事谨慎，事故发生率降低，相对的索赔的几率也会大大减少。在马来西亚，保险公司可以向信用报告机构索取投保人的个人信用记录，而其中一个就是马来西亚国家银行属下的 Credit Bureau。

第三、犯罪记录

犯罪记录将显示出不仅仅是的你的驾驶犯罪记录，也显示出你过往被指控或定罪的罪行。一般上，保险公司无法从你的驾驶记录寻找到超过五年以上的驾驶记录。因此，如果你曾经报案或被指控危险驾驶，保险公司都会从犯罪记录内寻找到。保险公司会利用这个记录来分析前事故的严重性、事故发生的重复率，故而决定你的保险费。同样的，保险公司可以通过不同渠道来查询你的犯罪记录，其中一个能够查询犯罪记录的就是马来西亚皇家警察的网站上。

希望通过今天的视频，你已经了解保险公司是用了什么资料来决定你的保险费，同时也了解他们是如何查实你所呈交的资料。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
保险公司
汽车保险公司
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Apakah Yang Perlu Saya Lakukan Sekiranya Saya Tidak Mampu Menanggung Insurans Kereta Saya?

Setiap pemilik kenderaan di Malaysia tahu bahawa
insurans kereta
 ibarat oksigen. Setakat ini anda mempunyai kereta yang anda pandu, jadi anda mesti memilikinya. Bagaimanapun dengan keadaan ekonomi yang semakin berkembang, dan ini merupakan masa yang sukar. Jadi, apa jalan keluar jika anda tidak mampu menanggung pakej insurans semasa kenderaan anda? Lebih penting lagi, apa yang perlu anda jangkakan untuk terus maju ke hadapan? Jika anda tidak mampu membeli
pakej insurans kereta
 buat masa ini, berikut merupakan beberapa teknik yang boleh anda gunakan. Pertama:

Pertimbangkan Perbandingan Untuk Kadar Yang Lebih Baik Dengan Syarikat Insurans Online

Anda mungkin tidak tahu tentang ini, tapi secara perlahan dan pasti syarikat
insurans online
 akan menjadi tumpuan utama di negara ini hari ini. Terdapat banyak sebab mengapa institusi ini menjadi pilihan utama apabila menginsuranskan kenderaan di titik beratkan. Sebab utama dan mungkin merupakan penyebab paling penting adalah mereka menawarkan perkhidmatan yang sama dengan apa yang boleh anda dapati dari syarikat insurans standard dengan kadar yang lebih murah dan kemudahan yang lebih besar. Anda mungkin akan terkejut apabila mendapati lebih daripada beberapa
syarikat insurans
 online memberikan
pelindungan insurans
 yang sama ke atas kenderaan anda sekarang dengan kadar yang lebih jimat.

Manfaatkan Ciri Diskaun

Terdapat banyak ciri
diskaun
 dan bonus yang dapat anda gunakan dengan mudah untuk mengurangkan bayaran semasa anda untuk
insurans kereta
. Sebagai contoh, pemandu yang mendapatkan insurans sewaktu mereka masih bujang dan tidak mengemas kini mengenainya setelah berkahwin mungkin mengetahui bahawa mereka kerugian ciri
diskaun perkahwinan insurans kereta
! Begitu juga isi rumah yang mengendalikan lebih daripada satu kenderaan dengan pakej insurans berasingan akan kerugian diskaun besar yang mereka dapat dari
pakej insurans kereta
 berganda. Terdapat beberapa lagi diskaun seperti ini yang tidak begitu membantu mengurangkan bil insurans. Ketahui sebahagian daripada diskaun ini dan lihat adakah anda layak untuk mendapatkannya. Manfaatkan ianya sebaik mungkin kerana ia dapat membantu mengurangkan premium anda ke tahap yang lebih berpatutan.

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

Pertimbangkan Kenderaan Tersebut

Oleh kerana jenis model kenderaan juga mempengaruhi apa yang pelu anda bayar sebagai premium, menukar kenderaan anda akan mengakibatkan penurunan drastik ke atas bayaran insurans anda. Lebih-lebih lagi dengan menanggalkan aksesori dan bahagian tertentu juga dapat membantu anda dalam hal ini. Sekarang, jika anda telah mengambil kesemua langkah-langkah ini dan masih tidak mampu untuk membayar pelindungan auto, satu-satunya pilihan untuk anda adalah memakir kenderaan anda dan mula mempertimbangkan pilihan pengangkutan lain kerana anda tidak boleh
memandu tanpa insurans
 di negara ini.

Tags:
Diskaun Insurans
Insurans Kenderaan
Insurans Kereta
Syarikat Insurans
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汽车保险入门简介

欢迎收看保险360，我是 Cassandra。在Esso及Mobil，我们都是驾驶人士～不过我并没有和这两个品牌合作业配。纯粹觉得这一句话令我印象深刻。反正现在也没有这两个品牌了。对了，那你是驾驶人士吗？驾驶经验多少年了呢？在以下留言告诉我好吗？我已经是老鸟了，12年驾龄。/我还是菜鸟，驾龄才6个月（请主持人依据自己年龄自行变动）。
汽车保险
，顾名思义，就是有关于个人交通工具的意外
保险
。主要是保障汽车的驾驶人士的利益，针对交通工具行驶在路上时可能会遇到的意外，包括车与行人、车与其他交通工具、或车与公共设施的碰撞，导致的汽车表面损伤，第三方的损伤以及双方车里的驾驶人员与乘客身体的损伤程度来做出合理赔偿。

所以汽车保险的范围分为三大类。

第一，汽车本身的保险。

如汽车被盗窃或发生交通意外而遭受任何损坏，都可以因此得到特定的赔偿金。

第二，驾驶者的责任。

身为驾驶人士，我们都必须附上一定的法律责任。如果我们在驾驶过程中发生任何交通意外，双方的汽车都有损坏的时候，
保险
公司会依据谁是肇事者，谁触犯了交通法律，来决定哪一方改为这次的损失赔偿。

第三，我们需要为自己，为乘客，以及第三方的驾驶人士与乘客负责。

尤其是当任何一方需要任何形式的医疗救助，又或者是因为双方擦撞而肇事者是我们，那第三方，包括我们载送的乘客，都有权向我们所投保的车险公司求偿。

近年来，由于我国连续发生了严重的水灾，各大车险公司也纷纷推出了额外的保单服务，让驾驶人士可以额外加保由水灾导致的汽车损坏，非常受欢迎。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
汽车保险公司
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Mastering Credit Cards In 2023: 4 Ways To Maximize Benefits And Avoid Penalties

Since its introduction, the world quickly realized the numerous benefits and convenience of using a credit card. However, in recent times, the perks of using
credit cards
 have been overshadowed by the horror stories of people getting into even more debt or losing money from using these resources. Ultimately, the truth is that getting a credit card remains one of the most efficient ways of getting the funds needed to run day-to-day life. That is, as long as you know the proper ways to use it. So here, we’ll be sharing some of the best ways to take advantage of this great resource!

1. Use It To Patronize E-Commerce Platforms

Even on its own, shopping on e-commerce websites is a great way to save money. These platforms know they compete with brick-and-mortar stores and so go out of their way to offer people better deals. But, using these platforms gets even better when the e-commerce company collaborates with a credit card issuing bank. When you use a supported credit card to shop, you can get added perks like cash backs, no-cost equated monthly installments (EMI), and several types of discounts!

2. Take Advantage Of Your Reward Points

Whenever you use your credit card to make a transaction, you have a reward for that
financial
 activity by being awarded points. And, the more you shop or pay for things with your credit card, the more points you can accumulate. Now, depending on the policy of your credit card company, points can be traded for money or used to get goods and services for free! It is another excellent way to benefit from actively using your credit card.

3. Don’t Miss Cash Back Offers

Like with reward points, every
credit card company
 has rules for using your credit card to become eligible for cashback bonuses. You must learn the rules and regulations guiding the cashback bonus your credit card issuer offers and adhere to them when making transactions. By doing this, you’ll be able to take advantage of this bonus and earn some of what you spend back quickly!

4. Plan Ahead For Your Credit Card Loan Repayment

Remember some of those horror stories you heard? Well, things like that happen; it’s usually because the credit card holder waited until after the last payment date before paying what they owed. Typically, actions like that attract penalties from credit card companies. However, when you plan carefully and settle your credit card bills a day or two in advance, you become a valuable customer to the
credit card company
 and become entitled to benefits like cheaper interest rates and other perks.

Bottom Line

Credit cards
 can do you good if you use them correctly. You’ll never have trouble
managing your payment
 cards with the tips we’ve highlighted above!

Tags:
Credit Cards
EMI
Loan Repayment
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Can I Claim Insurance From Two Different Insurance Companies?

The short answer to this question is, “Yes.” While this is certainly not common, you might find yourself in a position where you can validly put out a claim to different
insurance companies
. This article will be briefly exploring how such scenarios tend to come about and safe practices you can employ.
Insurance
 policies are no joke or a cheap affair. Depending on what policy you choose to take out on your valued person/property, you would be required to pay a premium, and when you want to cash in on your policy, you’d mostly need to pay a deductible as well. If you were to take the same
insurance policy
 out from two different companies on the same piece of property, you’d technically have to pay two premiums and deductibles as well. From a purely economic point of view, the above isn’t very profitable for you as the insured. This is, of course, setting aside the fact that doing such can be considered highly illegal under certain circumstances. Taking out the same
insurance policy
 from two different insurers on the same property can be regarded as a fraudulent act, especially if you haven’t duly informed both parties. If that is the case, how is it possible a person can end up filing valid claims to two different
insurance companies
? The answer might surprise you.

If the First Insurance Company Doesn’t Extend a Specific Coverage or Add-on…

Yes. You can wound up taking out the same insurance package on a property if the first insurer denies you certain coverage you desire. For example, imagine you find a package you like, but for some reason, they refuse to extend business insurance to cover the vehicle’s use by the other drivers you’ve named in the policy. If getting business insurance to cover the other drivers in your household is very important to you, you can opt to take that insurance and then look for another insurance company that’ll specifically offer you that coverage. When an accident eventually occurs, and it’s time to
file a claim
, you are consequently entitled to
submitting claims
 to both companies and then have them sort out who’ll pay what.

Does Filing
Insurance Claims
 to Different Insurance Companies mean You’ll Get Paid Twice?

Yes and No. You have the liberty of filing claims to as many insurance companies as are applicable in your case. However, whether the insurers will pay, and what they’ll pay is contingent on certain factors.

All Insurance Companies Will Pay If:

You hold certain types of
insurance policies
. For specific
insurance policies
, like life insurance, for example, no matter how many insurers you take out the policy with, the moment you pass on, they’ll pay in full.

All Insurance Companies Won’t Pay, or Will Pay a Specific Percentage If:

You’re not covered or if it’s an indemnity policy. Keep in mind that outside certain types of insurance policies, insurance packages exist primarily for compensation, not for turning a profit. What this means for your filed claims is that one insurer will either pay out in full (if you’re covered) while the other doesn’t or, both insurers pay certain percentages of the payout together or at different points in time.

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Takeaway

Receiving payout from multiple claims is ultimately dependent on the type of insurance policy you took out on your person or property. Also, regardless of how many claims you file, you will only receive a payout from insurers you are covered with. The best way to know what to expect is to go through your policy thoroughly.

Tags:
Coverage
Insurance Claims
Insurance Policy
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Does Car Insurance Cover Damage To Tires?

To an extent, we all know what to expect from our various
car insurance policies
 in the event we get caught up in an accident or the vehicle’s stolen or damaged. However, what about the little things? Can
car insurance
 possibly extend to covering expenses like damaged tires? Find out that and so much more in today’s episode from the Insurance360 video series!

Welcome! I’m Fincrew brand ambassador, Stella. Every ringgit counts! Finding out if you’re covered for tire damages and other minor costs can really help reduce what you pay for out-of-pocket. The Insurance360 Video Series sheds more light on little known aspects of the
car insurance
 world. Learn useful tips and advice when you Subscribe to our channel and enable notifications to receive updates on our videos. Once you’ve done that, let’s get to the gist of today’s video.

Whether you’re covered for damage to your tires depends on a few factors. To start with, only
Third Party
, Fire and Theft, and Comprehensive
car insurance policies
 receive any form of this benefit. The basic Third Party vehicle insurance policy doesn’t extend to repairs of any kind to your automobile. Furthermore, even with Third Party, Fire and Theft, and Comprehensive automobile policies, you still have to carefully go over the specifics of your policy coverage to check exactly what you’re covered for, where issues like damages to your vehicles’ tires are concerned. For instance, if your geographic location has many potholes and rough road conditions were taken into account when taking out your policy, coverage like Comprehensive
insurance
 can pay out if a pothole damages your tires. As we’ve established, the circumstances under which the tires were damaged plays strongly into whether
insurance
 will cover those expenses or not.

As an example, your tires could be damaged as a result of a fire accident. Under such conditions, even a Third-Party Fire and
Theft
 coverage policy will pay for the repairs, should you file a claim. Similarly, if your tires were slashed or stolen, you will be reimbursed for repairing or replacing these items by your insurance company if you’re on the Third Party, Fire, and Theft, or Comprehensive car insurance policies. The reason for that is because both these policies make provisions for covering damages for non-crash situations. So basically, provided your tires were damaged as a result of any of the situations previously described, Third Party, Fire and Theft and Comprehensive car insurance policies will ensure you don’t fix them out of pocket. However, should the damage to the tires occur primarily due to wear and tear, you will have to bear the financial responsibility of replacing them yourself, regardless of what coverage you’re under. The same principle is applicable if you damage your tires due to driving over a sharp object. Remember that some insurers may offer
special add-on packages
 you can take that will offer you coverage in these scenarios.

And that’s all for now! Have you Subscribed and enabled notifications for our channel yet? If you haven’t, don’t forget to do so now! Till then–See you soon!

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Tags:
Auto Insurance
Car Insurance
Comprehensive Coverage
Fire and Theft Cover
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What Is Takaful?

Takaful is an Arabic term which translates to “solidarity” or “mutual guarantee,” wherein members pool their financial resources to safeguard each other against loss or damage. Takaful contract members pool collective financial resources to protect each other. Participants in a takaful contract choose to pay monthly premiums to defend them from specified misfortunes or accidents. Each participant agrees to use the total tips to compensate any group members who incur a covered loss. Takaful dates back to the early days of Islam. It was used as a social insurance practice by community members to pool resources. Sharia or Islamic religious law determines the
takaful
 system’s guidelines and code of conduct. To be specific,
takaful
 adheres to Islamic principles such as welfare, shared responsibility, and cooperation.

How Does Takaful Work?

In contrast to conventional
insurance
, a takaful contract involves the insurer and the insured. Each member of the Takaful group agrees to contribute or pay a premium regularly. Money is put in Sharia-compliant investments and deposited into individual accounts. When joining a takaful contract, you agree to donate a portion of your account’s funds if another member suffers a loss. Likewise, your fellow members will help cover the loss if you suffer a loss. Takaful can, in practice, look similar to traditional insurance. Let’s say you have a property takaful policy protecting your home. A storm damages your home and makes it uninhabitable. Fortunately, your takaful agreement covered any additional living expenses incurred following your accident. When you file a homeowners
insurance claim
, you’ll receive compensation for your lodging while repairs are made to your home. It may seem that takaful is the same as conventional insurance, such as homeowners coverage or
car insurance
. Nonetheless, a takaful agreement is Sharia-compliant, whereas traditional insurance isn’t.

Standard Insurance Violates 3 Concepts In Islam: Gharar, Maysir and Riba

Gharar
: Essentially, this is the concept of uncertainty, risk, or fraud involved in financial or
business
 transactions. Conventional insurance consists in paying premiums for a promise that losses are covered. Nevertheless, you may not have a loss or need to
file a claim
. In this case, Gharar is violated since both parties are uncertain whether or not you will use the insurance policy.

Maysir
 (Maisir): Maysir, or gambling, is prohibited in Islam since wealth is best derived from productive work and not from winnings from games of chance or luck. In Islam, conventional insurance is often viewed as gambling because the risk and reward are uncertain. In some cases,
insurance coverage
 only lasts a few months before the insured experiences a loss and receives the policy’s total value. Another possibility is that a person may never need their procedure and pay premiums without ever benefitting from them.

Riba
: Islamic religious law prohibits riba, “interest” or “usury,” in contracts. Traditional
insurance companies
 invest premiums in interest-paying bonds and funds, which violate guidelines against riba.

What Does Takaful Cover?

Takaful contracts are offered in place of conventional insurance policies to cover many of the same things. The system is usually divided into general takaful and family takaful.

General Takaful
: A takaful contract covering your home, business, or car falls under this category. While remaining Sharia-compliant, these takaful groups operate similarly to conventional insurance companies. You can, for example, enter into a
personal liability
 takaful agreement that protects you from lawsuits, like private liability insurance.

Family Takaful
: Family Takaful offers similar benefits to life insurance. In a
family takaful
 plan, you and your family are protected from risks such as death and
illness
 for a set period. You can also grow your savings over time. Funds contributed to
family takaful
 plans flow into two separate accounts: a donation to cover takaful group losses and a personal account where funds are invested in Sharia-compliant investments.

Tags:
Family Takaful
General Takaful
Gharar
Maysir
Riba
Takaful
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E-Hailing Extra Coverage In Car Insurance

E-hailing
 has become incredibly popular in Malaysia. The passengers find
e-hailing
 rides like Grab or MyCar better, more convenient, and often cheaper than a classic taxi. Additionally, you’ll find individuals joining Grab and similar services as drivers-partners. It’s an excellent chance of earning some extra money when you have free time. The problem is the money you earn can quickly turn into a loss in case of a
car accident
. An irresponsible third party can cause massive damage to your vehicle in a split second. That’s why you should consider
e-hailing
 add-ons in
car insurance policies
. Here is everything you should know about this extra coverage option available in Malaysia!

What You Need to Have to Activate the E-Hailing Extra Coverage

If you want to offer an e-hailing service with your private car, it’s critical to register as a driver-partner. A relevant organization should license your private vehicle for providing the e-hailing service. Those bodies include the
Commercial Vehicle
 Licensing Board in East Malaysia or APAD – the Land Public Transport Agency. It doesn’t matter if you are a full-time e-hailing driver or only provide those services as a part-time job. Many
insurance companies
 offer different options suitable for both categories. Your only goal is to find an optimal package that suits your preference. It’s worth noting, however, that the
insurance
 isn’t active outside the Malaysian borders. You can only use it while you are within the borders of this country.

What Does The E-Hailing Extra Coverage Include?

Although it depends on the actual deal you sign, your
e-hailing extra coverage
 usually includes the following items:

Your car getting damaged in an accident or lost – these sections are a part of your primary insurance policy. The exception is that the extra coverage activates them while your vehicle is on call.

Third-party liability – it’s another category already found in your primary insurance deal. If there’s any liability to a
third party
, this add-on has you covered while offering e-hailing services.

Legal liability to passengers
 paying a fare – as an e-hailing service provider, you’ll be driving passengers from the starting to finish point. They’ll be spending a fare, which activates the legal liability mentioned in this policy. There are some exceptions, such as liabilities caused by the e-hailing app.

Negligent act
 of your passengers – this involves passengers paying for the fare. If their action is deemed as negligence, this extra policy has you covered.

Apart from these, there’s also the Personal Accident cover included in the
e-hailing extra coverage
 policy.

More Details About The Personal Accident Cover

If you are an authorized driver, the PA cover protects you from
bodily injuries
 while on call. A violent, external, and visible factor should be the reason for the injury. The cover is usually RM10,000, but the compensation might vary depending on the injury. These are the usual compensation scales:

Death, losing both feet or hands or sight on both eyes – 100%

Losing one hand and foot, or losing hand or foot combines with losing sight on at least one eye – 100%

Losing either foot or hand, losing sight on one eye – 50%

Compensation for surgical and medical treatments (per accident) – 5%

These consequences should be visible within three months from the accident date. The insurance companies usually pay medical compensation once both parties agree on the total sum. This policy doesn’t apply if you were intoxicated from drugs and liquor at the time of the accident.

Tags:
APAD
Coverage
E-Hailing
LLTP
Personal Accidents
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Does Car Insurance Cover You If Your Car Is Broken Into?

The entire purpose of getting
insurance coverage
 for your vehicle is to measure financial protection when the worst happens. But do you know all that your current car
insurance coverage
 protects you?

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

What Happens If Your Car Is Burgled?

No one exactly plans for it, but the sad reality is that car break-ins and thefts are becoming an increasingly common occurrence all over the country. A recent
car theft
 statistic showed that this crime had risen more than 20% in the last decade alone! Luckily, this is why
car insurance
 exists! However, you must keep in mind that simply because you have a valid
car insurance policy
 doesn’t guarantee that you are insured if your car gets burgled. It is because there are different types of
car insurance
. These various types of coverage, in turn, extend multiple levels of protection to your automobile. The three types of coverage available to vehicle owners are;

The Third Party Coverage

As the essential coverage policy you can get for your vehicle, you cannot get this
type of coverage to cover
 the cost of repairs or replacement to any stolen part of your vehicle or any item inside.

The Third Party, Fire And Theft Coverage

Being a significant step up from the previous
insurance coverage
, this type of coverage offers you some measure of financial protection if someone breaks into your car. It is worth keeping in mind that the exact circumstance of the break-in factors into whether or not you get compensated for the incident.

The Comprehensive Coverage

Under
Comprehensive
 coverage, you are entitled to file a claim for a full payout if your vehicle is robbed. However, this policy will pay out for replacing parts of the
car stolen
 from the car during the break-in. It will replace your car stereo, wipers, and air conditioning system, but you are not entitled to any compensation if you lose your laptop due to the same incident. In essence, once you see signs of vehicle burglary and you
follow the standard procedure
 of reporting the incident to the authorities, you can expect a payout accordingly.

In conclusion, this is without a doubt the best type of coverage you can have on your vehicle should it fall victim to theft or robbery.

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

Tags:
Burgled
Comprehensive Coverage
Insurance Coverage
Third Party Insurance
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哪一种汽车保险最多好处?

汽车保险
主要有三大项目。车主们可以自行选择任何一种配套。如果把保险配套比喻为快餐店的点餐模式，就很简单明了。首先，Ala Carte，所谓单点一个汉堡的意思。就是第三方
保险配套
。他们仅保护受害者的医药费与汽车维修费。本身是肇事者的车主因意外而衍生的各种费用都不包含在内哦！接下来是Ala Carte 加汽水的概念。就是第三方加车主本身的汽车的火险与窃险。意思就是除了负责第三方的费用之外，车主的车如果遭受火烧或被盗，将可享有赔偿。

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

然后呢，就是set menu 啦。一套汉堡加薯条加汽水。这个全面的配套就包括了以上两种之外，更加上车子本身如果因意外而衍生的汽车维修费用。基本上不论你是肇事者还是受害者，都可以向保险公司合理索偿。最后呢，是汉堡全餐加上甜点咖啡之类的配套。就是说以上全面的
保险配套
再加上额外保障，如 汽车挡风玻璃、天灾、车内乘客的伤亡费用、还有可以保障车主以外的驾驶人所造成的第三方损害赔偿。这也称为渐进式车险，让车主可以随自己的需要逐渐增加额外保障。说了那么多，该选哪一种才好呢？如果你有预算的话，最好的配套当然是全面保险加额外保障啦！其实也可以根据你汽车的市价来决定保单额度。额度越高，保费自然更高。重点是如果这辆车是你长期代步的车，跑远路，开夜车之类的话，当然是第四种最多保障啦。你怎么说呢？下方留言和我们聊聊好吗？

Tags:
保险
保险配套
汽车保险
汽车保险公司
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Understanding CTOS: A Comprehensive Guide

Are you familiar with how credit reporting services like CTOS work? Here are the basics.

What Is CTOS?

Founded in 1992,
CTOS
 is a Credit Reporting Agency (CRA) regulated by the Registrar of Credit Reporting Agencies, Ministry of Finance, and covered by the Credit Reporting Agencies Act 2010, which took effect in 2010. In addition to collecting information regarding the creditworthiness of individuals and
businesses
,
CTOS
 also provides a portfolio of credit risk management services. Malaysian
financial
 institutions, telecommunication companies, insurance companies, small and medium-sized enterprises, and legal firms use CTOS’s services extensively. In contrast to
CCRIS
, administered by Bank Negara Malaysia (BNM), CTOS is owned and managed by a Malaysian company and has been in business for over 20 years, collecting information from various official sources on individuals and companies.

CTOS Data are from the following sources:

Companies Commission of Malaysia (CCM) or Suruhanjaya Syarikat Malaysia (SSM)

The Central Bank of Malaysia (
CCRIS
)

Online court listings and newspaper legal notices

Publications and gazettes of the government

Insolvency
 searches at the Malaysian Department of Insolvency (MDI) or the Malaysian Insolvency Agency (JIMA)

Data from the Registrar of Societies (ROS)

Contact details provided by creditors, litigators, and trade referees

Subjects voluntarily provide their information

They compiled information into an electronic database that makes assessing loan applications, trade, and business credits and making decisions easy, quick, and efficient for credit grantors and lenders. A CTOS Score report costs RM25.

What Is CTOS Not?

It is strictly forbidden for CTOS to block anyone. Ultimately, the company will provide its subscribers with credit information, and lenders or credit grantors will determine whether credit applications will be approved. In making these decisions, lenders consider their risk appetite and business policies and strategies. CTO offers no opinion or recommendation that influences these decisions. There is another misconception about CTOS regarding handling personal data by a private agency, which can be highly sensitive and potentially dangerous, especially if it ends up in the wrong hands. As mandated by the CRA Act 2010, the CTOS may collect and process information pertinent to credit evaluation. Users, however, have restricted access to this information.

Is CTOS Going To Update Its Database?

A CTOS database is regularly updated based on information from statutory bodies, subscribers, and publicly available sources such as newspaper articles, publications, and court filings. In addition, it accepts requests for information updates and provides sufficient proof and the appropriate documentation.

What Is The Retention Period Of The Records?

CRA Act 2010 allows CTOS to keep the record as a historical archive of your background and credit history for 24 months. However, after two years from the date of full repayment or settlement, it will not reflect in your CTOS report. CTOS can also help protect you from fraud and scams and provide you with your latest credit score! In CTOS SecureID, CTOS offers new fraud protection and credit monitoring services designed to combat the growing issue of identity theft, fraud, and scams and monitor the health of consumers’ credit. Upon finding your info on the dark web, the system will alert you and send you a notification. If you choose to protect yourself, you can change your passwords or close certain accounts, among other measures. You’ll also benefit from RM20,000 in
takaful
 coverage for financial losses from fraudulent transactions.

Tags:
CCRIS
Companies Commission of Malaysia
CTOS
Suruhanjaya Syarikat Malaysia
Takaful
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Commercial Vehicle Insurance

In Malaysia today, car insurance comes in all forms, shapes and specifications. Having a working grasp on what is what, and how the various
vehicle insurance
 policies are relevant to you goes a long way in helping you make the best decisions, insurance policy-wise. As a driver familiar with the basics of how transportation works in the country, you must’ve heard a thing or two about
commercial vehicle insurance
.

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What Is It? How Is It Different From Regular Car Insurance?

Is there some particular benefit I can get for opting for this form of insurance? These questions and more might’ve crossed your mind. Here, you’ll receive a basic rundown of what
commercial vehicle insurance
 is and if it’s for you.

Commercial Vehicle Insurance Explained

Simply put, commercial
vehicle insurance
 is the policy you take out on vehicles (taxis, trucks, tippers, etc.) that you use in running a business. Consequently, as the name suggests, you get this
type of insurance
 to cover damages caused by/to a vehicle you use for commercial purposes.

What Does It Cover?

At its core, commercial vehicle
insurance covers
 the same things that the vehicle insurance you know protects. That is, with commercial vehicle insurance you also get the classic
Third Party
, Third Party, Fire and Theft or Comprehensive coverage, depending on your preference.

Third-Party Coverage

Because no vehicle can be on the road without insurance, the Third Party Coverage is the most elementary insurance policy you can take out on vehicle/vehicles you employ in any capacity for your
business
. In keeping with the primary purpose of insurance which is to soften the financial blow from any accident, this policy covers compensation (to a certain extent) if your business vehicle damages

another individuals’ property or vehicle. Third-Party insurance strictly doesn’t cover beyond that.

Third-Party, Fire and Theft

The Third Party, Fire and Theft insurance policy is a significant upgrade from the elementary Third Party insurance coverage. Beyond simply ensuring that you don’t have to cover the larger percentage of the cost of damages resulting from a
road accident
 out-of-pocket, it also serves to shield the insured (your business vehicle) if it is ever involved in a fire incident or falls prey to theft.

Comprehensive Policy Package

Getting a comprehensive
insurance policy
 for your commercial vehicle combines all the features of the basic Third Party package plus the coverage of the Third Party, Fire and Theft. It introduces new and unique features of its own as well. For instance, neither of the above of the packages above extends coverage to your commercial vehicle if it is vandalized. Also, the Comprehensive helps you insure the vehicle should it be involved in the act of nature, such as a storm that wrecks it.

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How Exactly Does It Work?

Similar to when you drive your car, accidents occur, whether you plan for it or not. Commercial vehicle insurance helps you get ahead of this eventuality and protects you from suffering major financial loss. Depending on the scope of your business and your choice as a business owner, you can opt to have the commercial insurance cover just a single vehicle or the entire fleet as a whole. To sum up, taking a commercial vehicle
insurance policy
 secures your business and serves as a much-needed financial shock-absorber that will always come in handy! So take a look in-house, determine what type of policy will serve your needs and go for it.

Tags:
Commercial Vehicle Insurance
Comprehensive Coverage
Fire and Theft Cover
Third-Party Coverage
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Bagaimana Premium Insurans Auto Dikira?

Dengan purata lebih dari 5.000 kemalangan jalan raya yang berlaku di Malaysia setiap tahun, kepentingan untuk memiliki
polisi insurans
 yang sah tak dapat dipertikaikan lagi. Tapi, pernahkah anda terfikir bagaimana sebenarnya cara premium yang perlu anda bayar untuk insurans kenderaan itu dikira?

Dalam episod hari ini, anda akan mengetahui semua perkara yang berkaitan dengan pengiraan
premium insurans
 auto anda. Helo! Dan selamat datang ke satu lagi episod menarik dalam siri Video Insurans360. Saya Yuna duta jenama Fincrew akan membimbing anda dalam memahami bagaimana
premium insurans
 yang anda bayar itu dikira. Dapatkan alat, kemahiran dan pengetahuan terkini yang anda perlukan untuk memanfaatkan semua peluang dalam dunia
insurans kenderaan
 hari ini! Untuk mendapatkan maklumat berharga ini, tekan butang ‘Subscribe’ dan aktifkan notifikasi dengan segera! Seperti yang telah diketahui oleh pemilik kenderaan di Malaysia, terdapat banyak polisi kenderaan yang boleh dipilih pada hari ini. Tambahan lagi, pilihan yang ada ini terus meningkat setiap hari. Tapi, persoalannya tetap ada.

Bagaimana Premium Untuk Setiap Polisi Ini Dikira?

Apakah perkara yang dipertimbangkan oleh syarikat insurans dalam proses penilaian premium ini? Sebagai permulaan, ada 5 perkara yang memainkan peranan berbeza dalam pengiraan premium anda. Ini termasuklah:

Nilai Pasaran Kenderaan Anda

Seiring dengan usia kenderaan anda, nilai pasarannya akan berkurangan perlahan-lahan. Ini sekaligus bakal mempengaruhi nilai insurans yang harus anda bayar.

Diskaun Tanpa Tuntutan (NCD) Anda

Semua orang pasti sukakan pemilik kenderaan yang baik. Ini termasuklah
syarikat insurans
. Apabila anda memandu dengan selamat dan mengikuti langkah berjaga-jaga, anda pasti kurang terdedah dengan apa-apa yang boleh merosakkan kenderaan anda. Ini bermakna anda tidak akan memfailkan tuntutan.
Syarikat insurans
 akan memberikan ganjaran ini kepada anda. Jika
NCD
 anda itu mampu bertahan sehingga 5 tahun, anda boleh menikmati diskaun sehingga 55% untuk insurans tersebut!

Polisi Insurans Anda

Apa yang anda bayar sebagai premium juga berbeza mengikut jenis polisi yang anda ambil untuk kenderaan anda. Pemandu dengan polisi insurans Komprehensif cenderung untuk membayar lebih berbanding pemegang polisi insurans Pihak Ketiga, dan juga polisi Pihak Ketiga, Kebakaran dan Kecurian.

Lokasi Geografi Anda

Bergantung kepada di mana anda tinggal dan memandu, premium insurans anda mungkin lebih tinggi atau rendah.

Kapasiti Enjin Kenderaan Anda

Hari ini keupayaan enjin kenderaan anda turut memainkan peranan penting bagi premium insurans anda di negara ini. Semua perkara di atas sangat mempengaruhi kos premium insurans anda. Sebagai contoh, jika anda mengira premium akhir yang perlu anda bayar untuk pelindungan komprehensif, ia adalah :

Premium kasar anda + 6% GST + Duti Setem RM10.00 + Sebarang perlindungan tambahan yang anda ambil. Sama juga, anda boleh mendapatkan nilai premium yang anda bayar untuk premium pelindungan Pihak Ketiga, Kebakaran dan Kecurian anda dengan mengira, 75% Premium Pelindungan Komprehensif – 25%
NCD
 + 6% GST + Duti Setem RM10.00. Sekarang anda sudah tahu rahsia di sebalik pengiraan premium insurans! Jangan lupa yang anda mempelajarinya di sini!

Tags:
Diskaun Tanpa Tuntutan
Enjin Kenderaan
Perlindungan Komprehensif
Premium Insurans
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Two Main Types Of Personal Accident Insurance Policies

True to its name, life is unpredictable. You could be having a great time one minute, and the next, something dreadful could happen. Things can go wrong anytime and anywhere without prior warning. In such a case, your finances could be left in a bind. As such, a
personal accident insurance
 policy is recommended. When an insured person dies or suffers bodily harm in an accident, their insurance policy provides financial assistance. In this article, we cover all the essentials of
personal accident insurance
.

What Is Personal Accident Insurance?

The Personal
Accident Insurance policy covers the cost of death, dismemberment, or significant disability caused by an accident while on the road
. In addition, these policies cover hospitalization, hospital confinement, and medical expenses. Individuals who frequently travel for work should have
Personal Accident Insurance coverage
.

What Is The Purpose Of Getting a Personal Accident Policy?

Every day, accidents happen, and there is always a crash risk given the road and traffic conditions. No matter how safe you are, you can get into an accident because of someone else’s negligence. A
Personal Accident policy
 is essential for covering the risk of an accident on the road. Besides road accidents, several accidents can happen in the workplace, primarily if you work in a high-risk setting such as a factory with heavy machinery. The results of any mishap can result in severe injuries or even
death in extreme cases
. Having a
personal accident policy
 is therefore advisable. In the event of an accident, it will help you obtain
financial
 assistance.

Personal accident insurance from as low as RM8 per month.

Types Of Personal Accident Insurance Policies

Personal accident insurance
 comes in two forms:

Individual Accident Insurance

In case of accident damage, an individual can receive benefits from this policy. This type of
insurance covers accidental death
, loss of sight or limb, or other permanent disabilities caused by accident. This plan is best for self-employed individuals, salaried employees, and
business
 owners. Some insurers also offer educational benefits as part of their policies. When a child’s parents die or a permanent total disability claim is filed, the child is entitled to receive education benefits at a government-approved educational institution.

Group Accident Insurance

Employers often purchase this type of
insurance
 to provide coverage for their employees. The low cost of obtaining these policies makes them good incentives for small businesses. When compared with individual accident insurance plans, group accident insurance provides limited benefits. In most cases, however, insurers offer
comprehensive
 coverage in the event of death or partial or total disability of the insured.

What Are The Benefits Of a Personal Accident Policy?

Ensures that your loved ones and family have the security of financial stability.

No additional tests and documents are required over and above what is already in place.

A wide range of coverage is available at much more affordable rates.

Two types of plans are available, one for the individual and one for the family.

Global coverage is provided.

The process of making a
claim
 is smooth and easy.

The customer support centers are available 24 hours a day, seven days a week.

Customize the policy to meet your needs.

Tags:
Dismemberment
Group Accident Insurance
Individual Accident Insurance
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Do You Get Car Insurance Per Vehicle Or Person?

Are you a complete newbie to the motor
insurance
 world? Do you plan on purchasing a new vehicle, and you wonder whether you will need a new policy? These are all reasons why you might think if
car insurance
 is typically for a person or car. That is why we designed a guide aiming to help to clarify all dilemmas in this area. Although the professionals often debate this topic, the truth is the following – you get a
motor
insurance
 policy primarily per car. Now, your policy’s specifics might cover different persons, but the general rule is that a single policy refers to a single vehicle. However, while estimating the premium you need to pay for the
insurance policy
, companies will often analyze both the driver and the vehicle. Furthermore, most of them put more focus on the driver.

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What Factors Affect The Car Insurance Price?

The deal you choose will affect the price. For example, the basic policy covering only third-party damage will have a cheaper premium than a comprehensive policy that includes Own Damage Claim and other extras. However, our topics are the factors that affect the
car insurance
 premium apart from the actual policy you choose. Here is an overview of what could affect how much you pay:

Your driving history
 – the insurance provider will check the information about your driving history. For example, new drivers aren’t trusted, which is why they will pay more than drivers with a few years of experience (if they didn’t cause any accidents). If you have prior accidents where you were to blame, that also deems you a higher risk, and you can expect to pay a higher premium.

No claims discount
 – if you are a regular and renew the deal with the same insurance provider, you can go for the
No Claim Discount (NCD)
. NCD is available for all those who renew the policy for multiple years but don’t file any claims during that time.

Car specifics
 – is it a new vehicle or an older model? Additionally, any modifications could also affect the premium, as well as information about previous
thefts
.

Here is something that could reduce your
car premium price
 – the fact that you want to insure another vehicle with the same company. If that is the case, you might expect a discount offered by the insurance agent.

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Can More Drivers Be On A Single Car Insurance Policy?

Here is a situation – you are a parent who bought a car for their child going to college. Not only they earned the reward, but it will be more convenient to drive to and from school. However, you want the policy to be in your name because you are the official vehicle’s owner. It’s possible to use the Name Driver policy and add other drivers to the deal in those situations. It’s possible to add up to five name drivers, which should be sufficient for most people. However, adding any number of drivers beyond the first two is charged. Despite that, it could be worth adding them because not including them is a risk. The insurance can use the unnamed driver excess policy and charge MYR400 for accidents where an unnamed person was behind the wheel.

Tags:
Car Insurance
Insurance Policy
No Claim Discount (NCD)
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What Does Car Insurance Cover?

Whether you just recently joined the pool of vehicle owners in the country or just haven’t had that much time to go over the details of your
car insurance
 policy, you may find yourself asking;

What does my car insurance cover exactly?

What is the benefit of even having coverage?

What events am I not insured for?

Hi there! I’m Stella and I’m Fincrew brand ambassador. In today’s video, I’ll be sharing with you on the details of your
car insurance coverage
, all you’re not insured against, and what you can do to help yourself get the best coverage available in Malaysia.

You spend a lot on your
car
insurance coverage
 yearly. Isn’t it high time to learn more about it? Don’t want to stress yourself while you do so? Then make sure you follow the Insurance360 Video Series! It’s informative, engaging, and breaks the complexities of
vehicle insurance
 down into digestible bits! All you have to do is click on the Subscribe icon right now and turn on your notification settings, so you see our videos the moment it’s posted here!

The first thing you need to know when deliberating the extent of your
car insurance coverage
 is that it is entirely dependent on what policy you sign on with your insurer. By extension, this means that what you’re financially protected by is directly tied to which of the three common types of insurance packages you took out on your vehicle. As such, if you took out a Third-Party Coverage, the only protection you can expect is that should you get involved in an accident that resulted in damage to the vehicle, person, or property of another individual, you won’t have to cover those expenses out of your own pocket. As a result, if you damaged your vehicle or your own person through that
accident
, you would have to see to fixing that out-of-pocket. However, if you are on a
Third Party
, Fire and Theft Coverage, you can expect a little more financial protection from your insurer.

Not only will they cover all the expenses of the third party involved in the accident, but you also have the opportunity to file a claim if your vehicle gets stolen or vandalized. In addition to this, should your vehicle be involved in a fire accident, you won’t have to bear the cost of repairs or replacement by yourself. As you would expect, the
Comprehensive
 Coverage Package offers an even more extensive range of protection for subscribers. In addition to taking care of all the two previous packages, it gives you a measure of financial backup if your vehicle gets damaged as a result of a collision. However, that is if and only if you weren’t the at-fault driver. Now that you know all the scenarios that the various car insurance packages cover, here are some events that standard insurance policies don’t cover you for. No car insurance covers you in the event of:

Bodily injury or your own death,

Bodily injury or death of your passenger,

The
theft
 of retro-fitted accessories to your vehicle,

Damage to your car due to acts of nature like a flood

Damage or loss of your car as a result of wear and tear.

And now, you know all your insurance covers. If you have questions you’d like us to answer, don’t hesitate to drop them in the comments section below! Have you liked this video and subscribed to our channel yet? Don’t forget to do so before you leave! I look forward to seeing you in the next video!

Tags:
Comprehensive Coverage
Coverage
Fire and Theft Cover
Third Party Insurance
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渐进式汽车保险模式到底有什么好处？

之前为大家讲解过
汽车保险
的种类。今天日安就特别为大家深入探讨何谓渐进式
保险
以及到底有什么好处呢？渐进式
保险
是当你有全面保险配套了，但是还有其他特别的需要，就可以向保险公司加购各种不同的额外项目，以达到更全面的保障。比如说汽车挡风镜在马来西亚就特别重要，因为我们常常听到有人遭遇攫夺案，尤其是在交通灯等待的时候，常有人被敲破车镜，夺取财物。因此档风镜的保险近年来特别受欢迎。

还有一项特别受关注的是特别天灾保险。因为全面保险是不包含任何天灾导致汽车的损坏的。那水灾和土崩甚至风灾导致的损伤严重起来甚至可以让汽车报废了。所以在马来西亚，这类额外保障也深受市场欢迎。如果你不小心把车子驶入众人示威的环境，或本来就停在那里，可是无端端遭受示威者的破坏，那也有的额外加购的哦！那如果你把车借给家人朋友驾驶，通常他们不会有任何利益保障，也就是说如果他们驾驶的过程当中发生任何意外，
保险公司
都不会理赔，除非你有把他们的名字列为这辆车的驾驶人，才可以接受理赔。

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

最后，乘客的法律责任也算是可以加购的一项，比如说你孩子在你停了车过后大力开门，导致隔壁的车受损，也可以向你的
保险公司
索赔。更夸张的例子如乘客从车里丢出垃圾导致后方车辆有损伤，也可以索偿。所以你们看了那么多特别的好处，有什么看法呢？

Tags:
保险公司
汽车保险
渐进式保险
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Ensure Your Tablets With Gadget Insurance

Mobile tablets are all-purpose devices to use for both work and play. As a result, these devices have numerous uses, ranging from sending and receiving emails to watching movies and videos. Damage to such multi-utility devices can be very inconvenient since they are expensive. It is wise to ensure the tablet because of this. With
gadget Insurance
, you can protect your handheld tablet against financial losses caused by damage,
theft
, electrical failures, or mechanical breakdowns.

What’s Covered?

Standard Fire And Special Perils Cover

You can protect yourself against fire explosions, explosions, lightning,
riots and strikes
. In addition,
file a claim
 for the loss or damage caused by natural disasters such as floods, earthquakes, typhoons, and more.

Accidental Damage Cover

You can obtain financial protection if you accidentally damage your handheld tablet while using it on the premises (within the coverage area). You can get replacement or repair coverage up to the amount insured.

Burglary And Robbery Cover

If your insured premises are the victim of an actual or attempted robbery, you may be covered for losses or damages.

Breakdown Cover

The device is covered for repairs when a mechanical or electrical failure occurs. For this to apply, the device must be in your possession at the time of breakdown. As a reminder,
insurance coverage
 is provided per the invoice value, up to a maximum sum insured.

What’s Not Covered?

Uninsured Tablets After 30 Days of Purchase

If you fail to get your Handheld
Tablet Insurance
 within 30 days of its purchase, you cannot
claim
 the benefits.

Deductibles

Every claim is subject to a deductible, which amounts to the first 5% of the claim amount. It is applicable except where specifically modified and altered by the insurer and mentioned in the Certificate of Insurance.

Damage Caused By Pollution

The plan does not cover pollution or contamination of the device.

Terrorism-Related Damage

We cannot cover any direct or indirect loss, damage, cost, or expense resulting from terrorist activity.

Why Choose Fincrew Gadget Insurance?

Fincrew
gadget insurance
 is an incredibly affordable and
comprehensive

tablet insurance
 plan that provides excellent protection for all owners. It’s easy, convenient, and affordable. If your device was damaged, lost, or stolen, Fincrew gives you a refurbished replacement the next day. Fincrew offers the following benefits:

You Don’t Need To Go On Without A Tablet For Long

With our help, you can be assured your tablet will be fixed or replaced as quickly as possible so that you can enjoy it again as soon as possible.

You Need To Take Control Of Your Insurance Coverage

Life circumstances change, things go out of style, and technology upgrades. That’s why we have a policy designed just for you. We offer
gadget insurance
 on a pay-as-you-go basis.

We Have An In-house Claims Team and an Online Portal

Whether you have a question or a claim, our call handlers can assist you with every aspect of our product.

One Policy Can Cover Up to 10 Gadgets

Having just one gadget isn’t very common. Therefore, our coverage covers a full range of items and up to 10 items per policy.

Tags:
Accidental Damage Cover
Breakdown Cover
Burglary And Robbery Cover
Comprehensive Coverage
Device Insurance
Handheld Tablet Insurance
Special Perils
Tablet Insurance
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Apakah Penjelasan Mudah Mengenai Insurans Kereta?

Mendapatkan insurans, mengekalkannya dan memperbaharui polisi apabila perlu merupakan amalan standard bagi pemilik kenderaan. Namun, adalah selamat untuk mengatakan bahawa ramai pemandu yang tidak begitu tahu tentang
insurans kenderaan
 melainkan perkara asas sahaja.

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

Apakah Sebenarnya Insurans Kereta?

Pada dasarnya,
polisi insurans auto
 merupakan kontrak bertulis antara anda dan syarikat insurans yang melindungi anda daripada menanggung kerugian kewangan jika kenderaan anda mengalami kerosakan atau insiden kecurian. Sebagai balasan, anda perlu membayar apa yang disebut Premium. Perlu diingatkan sejauh mana pelindungan yang diberikan
syarikat insurans
 kepada anda adalah bergantung kepada jenis pelan pelindungan yang anda ambil bersama mereka. Di Malaysia terdapat tiga jenis
insurans kereta
 iaitu:

Perlindungan Pihak Ketiga

Mengikut peraturan pemanduan di negara ini, anda mesti memiliki
polisi insurans auto
 sebelum memandu kenderaan anda di jalan raya. Ini merupakan pelindungan paling sedikit yang boleh anda ambil untuk kenderaan anda. Ia juga adalah yang paling murah. Bagaimanapun, skop pelindungan adalah minimum kerana anda hanya diinsuranskan untuk kerosakan kepada harta benda, kenderaan serta individu lain, tidak lebih dari itu.

Perlindungan Pihak Ketiga, Kebakaran Dan Kecurian

Ini merupakan penambahbakan kepada
pelindungan asas Pihak Ketiga
 untuk pemandu yang sanggup membayar lebih sedikit. Perlu dinyatakan bahawa mendapatkan polisi ini adalah mengikut pilihan masing-masing. Beberapa faedah melakukannya termasuklah hakikat bahawa anda diinsuranskan terhadap kerugian kewangan sekiranya kenderaan anda rosak akibat kebakaran dan kecurian. Tapi, anda tidak diinsuranskan untuk membaiki kenderaan anda sekiranya ia rosak akibat kemalangan.

Perlindungan Komprehensif

Ini merupakan polisi pelindungan paling luas dan mahal yang anda boleh ambil untuk kenderaan anda hari ini. Anda bukan sahaja dilindungi sepenuhnya dari segi kewangan sekiranya berlaku kerosakan pada kenderaan atau harta benda Pihak Ketiga, tetapi anda juga tidak perlu mengeluarkan duit poket anda sendiri sekiranya kereta anda mengalami kerosakan akibat kebakaran atau kecurian. Anda juga diinsuranskan untuk pembaikan jika kereta anda rosak akibat pelanggaran, dengan syarat anda bukan pihak yang bersalah. Untuk menuntut bayaran, anda perlu membuat laporan polis terlebih dahulu dalam tempoh 24 setelah kemalangan. Seterusnya, pindahkan kenderaan anda ke bengkel panel syarikat insurans anda atau syarikat insurans pemandu yang bersalah bergantung kepada kejadian kemalangan. Anda kemudian perlu menggunakan khidmat ‘Adjuster Berlesen Bebas’ untuk membantu anda menilai perkara-perkara seperti kos kerosakan dan pampasan yang sesuai untuk jangka masa yang anda perlukan tanpa kenderaan.

Setelah itu, anda perlu bersedia dengan:

Salinan asal laporan polis anda

Keputusan laporan anda

Salinan kad pengenalan dan
lesen memandu
 anda

Kad pendaftaran kereta anda

Laporan penyelaras, bil kos pembaikan dan bukti bergambar mengenai kemalangan tersebut

Dan hanya itu yang perlu anda ketahui mengenai insurans auto buat masa ini! Adakah anda mempunyai sebarang soalan mengenai
insurans kereta
 di Malaysia setakat ini? Tinggalkan di bahagian komen di bawah, dan kami akan respons segera!

Tags:
Insurans Auto
Insurans Kenderaan
Insurans Kereta
Insurans Pihak Ketiga
Komprehensif
Pelindungan Komprehensif
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Compassionate Care Benefits In Insurance Explained

A loved one’s death or the threat of death is one of the most challenging times for anyone. While looking after a gravely ill family member can be stressful both at work and home, you shouldn’t be forced to choose between keeping your job and caring for your family. In such circumstances, insurance companies believe you should not have to choose between taking care of your family and keeping your job. It is where
compassionate care benefits
 come into play.

What Is Compassionate Care Benefits Insurance Policy?

The compassionate care benefit is a type of Employment Insurance (El) benefit paid to people who must temporarily leave work to care for or support a close family member who is terminally ill. The family member has a significant risk within 26 weeks (six months). Therefore, beneficiaries may receive
compassionate care benefits
 for a maximum of six weeks.

Who Is Considered As a Caregiver?

An individual who provides care or support to critically ill, injured, or in need of end-of-life care is considered a caregiver.

Who Is Considered a Family Member?

Compassionate care benefits are available for a wide range of family members-both, both your own and those of your spouse or common-law partner. As well as receiving benefits for caring for a family member, you can also receive compassionate care benefits for caring for a close friend or neighbor suffering from a grave illness.

What Is Considered a Critically Ill Or Injured Person?

When someone is critically ill or injured, their baseline state of health has significantly changed due to their illness or injury. Consequently, they are at risk of death and need the support of one or more caregivers to maintain their life. Therefore, physicians or nurse practitioners must certify that they meet these criteria. Caregiver benefits are not available for individuals with chronic medical conditions unless their health significantly changes due to a new life-threatening event.

Personal accident insurance from as low as RM8 per month.

Who Can Apply?

You are eligible for compassionate care benefits for up to six weeks. If you provide support to a gravely ill family member within 26 weeks, you can qualify for human care benefits for up to six weeks. You can also apply for compassionate care benefits if you are unemployed and receiving EL benefits. You must be able to show the following to qualify for compassionate care benefits:

There has been a decrease of over 40 percent in your regular weekly earnings; and

Since starting your last claim (the qualifying period), you have accumulated 600 insured hours of work.

Please Note

You will need more insured hours to claim compassion care benefits if you have previously received El benefits and received a written notice (such as a warning letter or penalty letter) for making a false statement.

Can I Take Compassionate Care Leave Without Losing My Job?

In this type of situation, companies usually provide job protection for their employees. The definition of a family member varies from company to company. Before applying for compassionate care leave, be sure you have
job protection from your employer
.

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

Is It Possible To Share Compassionate Care Benefits?

Share your six-weeks
compassionate care
 benefits with other family members. However, each family member must apply and receive the benefits. You and your family members should know the number of weeks you will take to apply for
compassionate care
 benefits. Each family member may
claim
 benefits at any time during the 26 weeks, either simultaneously or separately.

Tags:
Compassionate Care
Compassionate Care Benefits
Critical Illness
Employment Insurance System
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Everything You Need To Know About Koperasi Loans

Koperasi Loans
 are arguably one of the most popular
personal loans in Malaysia
. However, they aren’t very well understood. Considering this, we’ve decided to highlight the most important features of this loan type. Here’s everything you need to know.

Compare Personal Loan In Fincrew

What Are Koperasi Loans?

Also referred to as cooperative loans, they’re a type of personal financing scheme offered by Foundations (Yayasan) that are available only to civil servants working in different arms of the government. This loan type is under the Cooperatives Act of 1993.

Management Of Koperasi Loans

These loans are usually managed or funded by cooperatives in Malaysia. They create these credit facilities either directly from their funds or source them from other
financial
 institutions. Because of this, the resources of these institutions are somewhat limited. Some local banks that cooperatives rely on for funding in Malaysia include RHB Islamic IDSB and CIMB Koputri, among others.

Eligibility For Koperasi Loans

As we mentioned earlier,
koperasi loans
 are almost exclusively for civil servants—individuals in this category range from those who work to employees of government-linked agencies and institutions. In addition, individuals should have been in the service of the said government agency for a minimum of six (6) months. Otherwise, they don’t
qualify for this loan
 either.

Credit Criteria For Koperasi Loan Application

Unlike most personal loans, the credit requirements for securing a
koperasi loan
 aren’t too steep. One likely reason is that it configures the repayments to deduct from the borrowers’ monthly automatically, so there’s less risk of non-payment. You’ll have less trouble securing this type of loan even if you currently have a high debt service ratio (DSR) or other current and demanding payment commitments.

Documents Required For Loan Application

Depending on the corporative loan provider, you may need to present several documents before the paperwork for the loan can be finalized. Some documents most
koperasi loan
 providers typically ask for include;

A clear photocopy of your National Registration Identity Card (NRIC)

Valid bank statements

Pay slip for the last three (3) months

A verified letterhead from your government employer

A valid copy of Tenaga, ASTRO, or any other utility bill

A clear photocopy of your savings account book (the specifics of this may vary, depending on the lender).

Loan Tenure

Also, unlike most
personal loans
, you get a significantly longer loan repayment time frame with koperasi. It is because the loan tenure can stretch as long as ten (10) years. In contrast, it’s tough to get more than seven (7) years with conventional loans.

Bottom Line

Like every other legitimate loan, you won’t be asked for any upfront payment to secure a koperasi loan. Where transactional fees apply, this is usually debited from the loan sum, making this type of loan more than ideal for most city workers. See one of the best
koperasi loans in Malaysia
 right now here.

Tags:
CIMB Koputri
Cooperative Loan
Cooperatives Act of 1993
Koperasi Loan
Personal Loan
RHB Islamic IDSB
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Apakah Cara Terbaik Untuk Menukar Syarikat Insurans?

Ia berlaku lebih kerap daripada apa yang anda fikirkan. Anda mempunyai
syarikat insurans auto
 yang sangat bagus kepada anda selama bertahun-tahun. Tiba-tiba, anda mendapati bahawa harganya lebih tinggi daripada yang sepatutnya. Anda tidak dapat mengakses
diskaun
 tertentu atau perkhidmatan mereka sudah tidak sebagus dulu. Walau apa pun, anda sudah tahu sudah tiba waktunya untuk anda bertukar
syarikat insurans
. Tapi, bagaimana untuk anda melakukannya? Memahami proses ini sangat penting kerana inilah satu-satunya cara anda boleh menukar
syarikat insurans
 dengan betul. Kami akan membimbing anda melalui langkah-langkah yang akan membantu anda untuk mencapai tujuan anda dengan mudah!

Selamat datang! Saya (nama) duta jenama Fincrew. Dalam episod Siri Video Insurans360 kali ini, saya akan berkongsi maklumat penting yang anda perlukan untuk membantu anda membuat pertukaran yang lancar dari syarikat insurans semasa anda kepada
syarikat insurans auto
 terbaik untuk anda! Jadilah yang pertama menonton lebih banyak lagi video berguna seperti ini! Apa yang anda perlu lakukan adalah tekan ikon ‘Subscribe’ dan aktifkan notifikasi supaya anda dapat menonton video hebat kami sebaik sahaja ia dimuat naik. Jika anda sudah melakukannya, berikut merupakan 5 langkah kami untuk membantu anda dalam mendapatkan syarikat insurans serta polisi kenderaan terbaik di luar sana!

Langkah 1- Terokai Dan Pertimbangkanlah Pilihan Baru Terlebih Dahulu

Ambil sedikit masa untuk meneliti pelbagai
jenis pelindungan
 di luar sana. Perkara terakhir yang ingin anda lakukan adalah keluar dari polisi pelindungan yang teruk dan kemudian memilih polisi pelindungan yang lebih teruk lagi. Mencari polisi pelindungan yang tepat akan membaiki semua perkara anda tidak berpuas hati dengan pelindungan semasa anda.

Langkah 2- Pilih Masa Yang Sesuai

Bila berkaitan dengan
insurans
, masa adalah sangat penting. Oleh sebab anda tidak boleh memandu kenderaan anda tanpa
pelindungan insurans
 anda tidak boleh membuang sahaja polisi semasa anda sebelum mengaktifkan polisi baru. Tempoh
polisi insurans
 juga adalah berbeza-beza, bergantung kepada di mana anda mengambil insurans. Ini merupakan perkara penting yang perlu dipertimbangkan, terutamanya jika anda berpindah dalam tempoh ini. Oleh itu, pastikan anda mencari masa untuk proses menukar syarikat insurans secepatnya.

Langkah 3- Hubungi Syarikat Insurans Semasa Anda

Dalam situasi tertentu, syarikat insurans semasa anda mungkin bersedia untuk berunding bagi memastikan anda kekal bersama mereka. Sebelum menyelesaikan pertukaran tersebut, anda boleh menghubungi syarikat insurans semasa anda untuk menekankan masalah yang anda hadapi. Sekiranya mereka sanggup bertolak ansur, hebat! Jika tidak, pastikan untuk bertanya sekiranya terdapat sebarang penalti apabila menukar pelindungan anda sebelum tarikh ia berakhir.

Langkah 4- Teliti Pilihan Baru Anda Secara Meluas

Setelah melihat pilihan anda dan mencari syarikat insurans kenderaan baru, jangan terburu-buru untuk menandatangani sebarang polisi baru. Pastikan anda meluangkan masa untuk meneliti syarikat insurans baru itu untuk mencari sebarang tanda amaran. Anda juga boleh melihat ulasan tentang syarikat tersebut daripada sumber-sumber yang boleh dipercayai, mendengar pendapat daripada ahli yang pernah dan sedang diinsuranskan.

Langkah 5- Pastikan Insurans Semasa Anda Dibatalkan Dan Ambil Langkah Terakhir

Jangan membuat sebarang andaian di sini, kerana menjalankan dua polisi insurans penuh secara serentak boleh membawa kepada implikasi undang-undang yang serius. Pastikan anda berhubung dengan syarikat insurans semasa anda dan pastikan mereka telah membatalkan pakej anda secara sah sebelum menandatangani kontrak akhir dengan syarikat insurans baru anda. Sekarang anda telah tahu semua yang perlu anda ketahui untuk menukar syarikat insurans dengan efektif. Jika anda mahukan lebih banyak informasi, tinggalkan kami dengan tanda ‘Like’ dan komen di bawah. Pastikan anda ‘Subscribe’ dan aktifkan notifikasi supaya anda tidak terlepas video menarik dalam siri video Insurans360 ini! Nantikannya!

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Tags:
Insurans Auto
Insurans Kereta
Syarikat Insurans
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Things You Should Consider Before Applying For a Personal Loan

From taking heavy pay cuts to outright dismissal from places of employment, thanks to the effects of the pandemic, many Malaysians have suddenly found themselves in need of a source of funds to cater to rising bills. Because of this, one option people end up considering is whether to take a
personal loan
 or not. Like all things,
taking a personal loan
 has its pros and cons. On the pro side, you can get this sort of fund from most
financial
 institutions without having to leave any form of collateral. On the flip side, if you aren’t careful and take this type of loan for the wrong reasons, you may find yourself in a very uncomfortable position.

Why?

Because right now, personal loans are Malaysia’s leading cause of bankruptcy! Considering this, let’s look at specific motivations that may lead people to get a
personal loan
 and their possible outcomes.

Getting a Personal Loan To Buy Something Special

Taking a trip to Hawaii to unwind from the
pandemic’s
 stress isn’t a bad idea, nor is getting that special someone a surprise package from The Straits Finery. You don’t want to use a personal loan to fund such expenditures! You should only take on any debt if it’s unavoidable. So, consider saving towards such goals if you want to treat yourself and a loved one. It will take longer, but you’re sure to avoid crippling and unnecessary debt.

Compare Personal Loan In Fincrew

Getting a Personal Loan To Pursue An Investment Opportunity

Applying for a loan
 to cash in on investment opportunities is one of those ideas that sound great and practical until you take the time to think things through thoughtfully. All you need to realize this is one look at the highly unpredictable volatility of the investment world. For example, in Nov of 2021, 1 Bitcoin was worth $68 991. As of May 2022, 1 Bitcoin is only $28 305, less than half its value six months before! Moreover, this
cryptocurrency
’s value will keep falling unless an unexpected global event happens. What would happen to someone who took a personal loan to invest in Bitcoin in November today? Your guess is as good as ours!

Getting a Personal Loan To Pay Off Multiple Credit Card Debts

It isn’t a bad idea – as long as the interest rate of the personal loan is lower than that of the credit card(s) debt you’re paying. However, this isn’t always a given as some personal loans have been known to carry heavy interest rates that easily rival credit cards!

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

Bottom Line

Taking a personal loan
 can help your financial situation considerably, but only if you do it for the right reasons and read the fine print carefully. Also, no matter what you do, never take loans from a loan shark, as such dealings are illegal and can turn deadly fast!

Tags:
Bankruptcy
Credit Card Debts
Credit Cards
Investment
Loan Shark
Personal Loan
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How Personal Loan Affect Your Credit Score

Getting a
personal loan
 might be a good idea if you need cash for an emergency or large purchase or if you cannot make payments on your credit card debt, you might consider a
personal loan
. Your credit rating can be impacted positively or negatively by a personal loan, depending on how you use it. This article aims to help you decide if you should apply for a personal loan based on how it affects your credit score.

Check your company eligibility & apply business loan online.

How a Personal Loan Helps Your Credit Rating

Personal loans can increase your
credit score
, making approval easier for future loans and financial products. Personal loans can improve your
credit score
 in the following ways:

Establish a Good Credit History

When determining whether you will be able to repay a new
loan
, lenders look at your credit report for indicators of your payment history. For example, making timely monthly payments on a personal loan will appear on your credit report, increasing your
credit score
. Your payment history accounts for about 35% of the credit score.

Compare Personal Loan In Fincrew

Develop a Credit Mix

Personal loans can add to your credit mix, boosting your credit score. Your credit mix comprises different
financial
 products, contributing 10% to your credit score. Therefore, we can have diverse
credit cards
, loans, and other accounts with improved credit scores. In addition, you can raise your credit score by paying off a personal loan and other financial products. They have reduced credit utilization. Your credit utilization ratio lets lenders determine how much revolving credit you’re using compared to how much credit you have. A lender cannot determine how well you handle debt if you don’t use any of your available credit. The lenders may be reluctant to lend you money if you max out your credit score because they feel you have too much debt to manage. Generally, you should use less than 30% of your credit limit. Personal loans can help reduce your credit utilization ratio – since they are installment loans, they don’t factor into credit score calculations. Consolidating your credit card debt that exceeds 30% of your available credit can help your credit score and lower your credit utilization ratio. The credit utilization ratio represents 30% of your credit score under “amounts owed.”

Compare and apply for the best credit cards

Here’s How Personal Loans Can Hurt Your Credit Score

Credit cards, loans, and other types of credit are typically dependent on your credit report, which lenders use to determine your credit risk. Access requests create a hard inquiry on your credit report that remains for two years. Your credit score can drop slightly after a tricky question. Still, it will recover within a few months to one year, and the effect will diminish over time as you continue to pay your bills on time and demonstrate other good credit behaviour. You can also negatively affect your credit score if you fail to make even one payment on a personal loan. A missed payment will significantly affect your credit score since payment history accounts for 35% of your credit score. While you may be able to stay on top of your loan payments, they could stress your other finances and put you at greater risk of credit score damage due to
late payments
 on different accounts.

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

Lastly, adding a personal loan to your debt will increase the “amounts owed,” accounting for 30% of your FICO Score. You may not be a risky borrower if you owe money – and it will not lower your credit score – but high credit card balances and loans with large balances left to pay off can hurt your credit. Furthermore, while the debt-to-income ratio (DTI) isn’t considered in credit score calculations, having a high DTI can make it challenging to
qualify for loans
, like mortgages, where lenders specifically consider the DTI.

Fincrew enables you to compare personal loan in minutes
 without affecting your credit score so that you can apply for a loan with confidence.

Tags:
Credit Cards
Credit Score
Debt To Income
FICO
Personal Loan
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Things You Need To Know About EPF Withdrawals

If you’re currently in a financial pinch or want to know as much as possible about the
EPF or Employees Provident Fund program
, one thought that’s likely to have crossed your mind is finding out how the EPF withdrawal system works. Here, we’ll be breaking down all you need to know about the EPF, how it works, and everything involved in getting your money out of the program.

What Is EPF?

EPF
 is short for
Employees Provident Fund
 and refers to a government program run by the Ministry of Finance. The primary goal is to ensure that employees have something saved for when they’re at a certain age or unable to work again for whatever reason.

How Does Yhe EPF Work?

This retirement savings scheme works differently, depending on the individuals involved. For example, in all cases,
EPF
 automatically deducts 11% of your monthly salary at the end of each moment. However, if you earn less than RM 5 000, your employer should contribute 13% of your salary to this program. But, in cases where you make above the RM 5 000 benchmarks, your employer is required to contribute only 12% instead. Recently, EPF has worked for people in the gig economy and even stay-at-home moms!

Withdrawing From Your EPF

Under ideal circumstances, this retirement savings scheme allows withdrawals only when an individual is 55. The primary reason is that you should take the proceeds from this account and use them to support yourself in your golden years. There are a few instances where you’re legally allowed to tap into this account at an earlier age, as long as you meet specific requirements.

Requirements For Withdrawing From Your EPF Prematurely

Some provisions allow you to take out some or all of your savings before age 55 under certain circumstances. Before delving into these circumstances, it’s vital to mention that your EPF is into two different accounts. You can’t withdraw from either of these accounts unless;

You’ve saved above the required sum for your age and want to transfer the
excess
 to a fund manager for further investment.

You’re a civil servant who started the EPF program before putting you on the government’s pension plan.

For any reason, you become mentally or physically disabled and cannot work anymore.

You intend to relocate from Malaysia finally.

You become deceased, and your beneficiary gets your savings.

You must cover housing loans,
Hajj
 expenses, or medical bills.

What To Remember

No matter the reason, make sure you think long and hard before dipping into your
Employees Provident Fund
, as this can have far-reaching effects!

Tags:
Employees Provident Fund
EPF
Hajj
Ministry of Finance
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What Is SOCSO And Why It’s So Important?

Also known as PERKESO, SOCSO is short for Social Security Organization. Under the Employee’s Social Security Act 1969, this scheme, like the Employee Provident Fund (EPF), requires you to put away a small sum at the end of each month. And, also like the EPF, your employer is obligated to do the same. Your
SOCSO
 contribution is directly dependent on your salary. You can check your status at any
SOCSO
 branch or via eSemak. That way, you can quickly know everything is as it should be with your account.

What Are The Perks Of The SOCSO Program?

An individual can benefit from one of two schemes under this program. These are:

The Employment Injury Scheme

Individuals qualify for benefits under this scheme if they suffer a temporary disablement that renders them unfit or unable to work for a minimum of four (4) days. The perks or benefits will continue from the start until the employer has fully recovered. Some of the privileges you can enjoy under this package include;

Medical and healthcare benefits.

Temporary and permanent disablement benefits.

Constant attendance allowances.

Rehabilitation facilities for physical and vocational treatment.

Education benefits
.

Funeral benefits.

Dependent’s benefits.

The Invalidity Scheme

Employees can only get dividends from this category if an injury has been deemed permanent and incurable after treatment. The benefits that can be accessed here include;

An invalidity pension payout.

An invalidity grant.

A survivors pension grant.

Education benefits
.

Return to work programs.

Funeral benefits.

Rehabilitation facilities for dialysis and physical and vocational treatment.

What Makes SOCSO So Important?

Perhaps you can’t afford to dispense with this program because it gives you a low-cost yet highly effective safety net. So, while having
insurance
 is good, calling on SOCSO to cover medical treatment and follow-up care can save you even more money! The best part of this program is the wide range of situations it covers in. For example, you can file a SOCSO
claim
 if you had injuries during an authorized meal break!

Personal accident insurance from as low as RM8 per month.

Filing a SOCSO Claim

So, if the worst happens and you get injured. At the same time, on the job, you or your employer must inform SOCSO of this development by filing the Accident Report or Form 21 and the Submit A Claim Form aka Form 10. In addition, you will also have to tender a punch card or other attendance records, a copy of your valid identification card, and your medical certificate to the nearest SOCSO branch. And they will settle your bills!

Tags:
Employee Provident Fund
EPF
PERKESO
SOCSO
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影响保险费的3大要素

欢迎收看保险360, 我是 Cassandra。是否有想过为什么你的保险费会和你的家人或朋友各不相同，即便是车子型号一样或是开车经验一样。其实，有非常多的因素都会影响你的
保险费
，无论是可控制的、或者不可控制的。 今天的影片将会为你分析是什么因素会影响你的
保险费
。

第一、人口因素

这是一个非常复杂的因素。人口因素包含着性别、年龄、婚姻状态、地理位置、信用记录等等，都会影响你的保险费。 比如说年轻男性的车祸率比年轻女性的车祸率来的高， 因此保险公司一般会向年轻男性索取较高的保险费。另外，已婚人士的保险费也相较于低。如果你是已婚的男士加上从未出过车祸和优良的驾驶记录，一般保险费都会降低。 除此之外，你所居住的地理位置也会影响保险费。根据马来西亚交通部发布的《年度交通统计》，显示出意外发生最高风险的地区是吉隆坡、柔佛和雪兰莪。这是因为这些地区都有繁忙的道路。如果你居住在大城市里，保险费很有可能会相较于高。

第二、汽车因素

汽车因素是直接影响你的保险费的原因。汽车的安全系统、品牌及型号、车龄都是
保险公司
衡量车险费的标准。如果汽车内拥有安全系，如安全气囊、防滑控制系统等，汽车和你及乘客因事故损伤的机率相对的变小。因此，
保险公司
都会降低你的保险费。 汽车的品牌、型号、大小也会影响保险费。比如说，较大型的汽车一般在事故发生时，损坏率比一般轿车的损坏率来的低。这是因为一般较大型汽车的安全系统比较完善，所以保险费也可能比较低。还有，一般使用引擎较大的V8 汽车的保险费会比使用V4引擎的小型汽车的保险费来的高。再来，车龄也是关键性因素。车龄介于2-5年，修理费较小，保险费也相较于比较低。车龄5年以上，因车子的性能减低，修理费也较高，保险费也相对于提高。

第三、个人行驶因素

如果你曾经发生事故、收到罚单或是提取索赔，保险公司会因为这些因素而提高你的保险费。这是因为保险公司认为你发生事故机率比其他同年龄的车主来的高。 如果，你的行驶记录恶劣，保险公司可能不会让你投保。以上就是影响保险费的三大要素，包括了人口因素、汽车因素和个人行驶因素。希望今天的视频让你更了解车险的咨询！

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！

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人口因素
保险费
汽车保险
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Different Wheel Drive Explained

Sometimes you see some car terminologies, and you find it hard to understand its meaning. Although you can easily discard its purpose and leave it for the car freaks; however, you should know what you are driving or probably going to drive and how its specifications will affect you. So when you are in the hunt for a new car, there are some essential things you need to put into consideration before making your final decision. One of such is the right drivetrain. This largely depends on the roads you will be plying every day. There are four different types of drivetrain- All Wheel Drive (AWD), Front Wheel Drive (FWD), Rear Wheel Drive (RWD), and Four Wheel Drive (4WD), each having its advantages and disadvantages. They all act differently on various surfaces, which largely depends on the type of “Wheel Drive” they offer, making them quite interesting and useful. So let’s try to understand the difference between all these wheel drives.

Front Wheel Drive (FWD)

Front
wheel drive
 is the most common
wheel drive
 found in many cars across the globe today. As the name implies, it means that the engine’s power is channeled towards the front wheels of your car. That is, the front wheels are pulling the vehicle. FWD is mostly used because it has a very compact system that uses little space inside the cabin. The bulk of the weight is positioned over the front wheels, therefore allowing better road traction at all times, especially in bad weather conditions. Front wheel drive systems are less complex, which makes it a lot cheaper to manufacture than other drivetrains. It is mostly found in economy vehicles because it offers better fuel efficiency and emits less carbon dioxide since it has a lower weight. FWD is also very responsive to steering movement as the final drive is directly attached to it. Though FWD has some problems of its own, like being nose-heavy, brittle due to half shafts and CV joints, and the issue of Torque steer.

Rear Wheel Drive (RWD)

Virtually all the things about the front wheel drive are the direct opposite for vehicles with rear wheel drive. RWD cars transfer all of their power towards the car’s rear wheels, and the rear wheels push the car forward. In the early 80s, RWD used to be very popular, until the arrival of FWD. RWD cars create a better balance of weight and provide more horsepower than FWD, the reason why sports cars, law enforcement pursuit cars, and high-performing sedans are RWD. RWD was built with a solid shaft across its body, the reason it can take a lot of beating without any significant damage; however, they offer poor traction and can slip easily on poor weather conditions such as rain or snow.

Four Wheel Drive (4WD)

In a 4WD system, the power from the engine is delivered to all four wheels. The system splits power between the front and rear wheels so that maximum torque is going to each wheel and can operate in an RWD format to conserve fuel. The primary benefit of a Four wheel vehicle is that it combines the benefit of both FWD and RWD, i.e., it provides the versatility and power to take on any terrain or weather condition. The only disadvantage is that it operates only in RWD mode and thus has less traction than an
All Wheel Drive
.

All Wheel Drive (AWD)

All wheel drive
 is similar to a four wheel drive. They both use all four wheels; however, AWD operates on FWD most of the time. The system split power between the front and rear wheels on the center differential to get power to the wheels with the most traction. This is done automatically without the
driver’s intervention
. Irrespective of your drivetrain choice, remember it is essential to keep your vehicle in good condition and always have a good set of spare tires.

Tags:
All Wheel Drive
Four Wheel Drive
Front Wheel Drive
Rear Wheel Drive
Wheel Drive
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Tender Value And Sum Insured

Have you only purchased a vehicle and you are looking for the best car
insurance deal
? Are you having problems with understanding some terms related to the insurance policy, especially those related to the car’s value? Insurance users are often having problems understanding the “sum insured” and how it can be different from the
tender value
 and the cost you paid for the vehicle. Let’s try to explain the difference between
tender value
 and sum insured.

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What Is The Sum Insured?

Once the
insurance company
 offers you a contract, make sure to read it before signing the policy. A crucial thing to consider will be the “sum insured.” That term refers to the maximum amount that the car insurance company is ready to pay over the specified policy time. For example, you will sign a
car insurance policy
 deal for 12 months. If the
sum insured
 is RM30,000, that is the maximum insured amount for your vehicle. It is the maximum payable sum that the insurer can pay for
claims
 that meet the policy requirements.

How To Determine The Sum Insured?

Here is a good question – how do you determine the
sum insured
 for your vehicle? The crucial factor to rely on is the current market value. Now, the current market value depends on many factors. Those could include:

Mileage – the general rule is that fewer miles equal higher market value. The idea is that a car with lower mileage (for example, 50,000 kilometers) is in better condition than the one that passed 150,000 kilometers.

Overall interior and exterior condition – any visible damage or missing parts could affect the market value. Also, regular servicing could add to the value of the vehicle.

Add-ons and other modifications – did you change any component on the car or added a modification? That could both increase or decrease the price, depending on what you changed.

How long you have been driving it – the general rule is that older vehicles have a lower market value than new cars.

The insurance company and the user should agree on the value of the vehicle that will be insured. That is known as the Agreed
Value of the car
. This estimation must match the actual market value of the vehicle. If you agree to a significantly smaller value estimation, the payout limit might not be able to
cover the actual damages
 your vehicle suffers in an accident.

What Is A Tender Value?

Before deciding on the tender value, we need to consider what a tender is. A tender is a process where public companies or institutions offer other parties to perform work or buy assets or property from them. For example, the Malaysian government published a vehicle fleet tender and attracted big company names. Each tender will have specific conditions. Every bidder needs to meet them so that they have a chance of their bid getting accepted. The institution that published the tender will accept single or multiple winning bids, depending on the terms.

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The tender value is the estimated cost for providing services or buying properties covered in the tender. If we are discussing vehicles, the tender value might be similar to the sum insured. However, that doesn’t have to be the case always. It will always vary from one situation to another and depend on various factors related to the particular vehicle.

Tags:
Agreed Value
Insurance Policy
Sum Insured
Tender Value
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3 Biggest Credit Score Pitfalls And How to Avoid Them

The most significant indication of your financial health is your
credit score
 at any given point. Suppose you need to make sure that you do all you can to safeguard it for no other reason—one of the things you need to see to avoid common credit mistakes down that road. When you know how to safely bypass the common errors that stall your financial progress or even hurt your
credit score
, you’ll be able to move freely towards any monetary goal you set! Down that road, here are three of the biggest mistakes that every Malaysian should be aware of regarding their credit.

One – Checking Your Credit Report Only When There’s a Sign of Trouble

Financially
 speaking, your credit report contains all the data of note about you. Some of its contents include;

Your credit score

Your Central Credit Reference Bureau Information System (CCRIS) data

Litigation

Business
 interests

Directorship, to mention a few.

Whenever there’s a problem with even one of these areas, it’ll reflect in your
credit report
 immediately, even before you get proper notice. However, if you don’t check your report and eventually find out through a formal notification, it might be late to save the situation by then.

The Solution

Checking your
credit
 report at regular intervals ensures that you’re on top of things. With the regular updates you’ll get from it; you can be proactive when dealing with any problem.

Two – Not Making Timely Bill Payments

Another great way to quickly ruin your credit is to be delinquent with your bill payments. However, most Malaysians don’t often consider that payment history is constantly documented. What’s more, it carries as much as 45% weightage when determining your credit score! A single
late payment
 will linger in your CCRIS record for two years. So, you will have to pay fees and penalties for defaulting, but your credit score will also suffer terribly during this period.

The Solution

Employ resources like requesting payment reminders from lenders and setting your bank account to autopay so that your bills will always get paid on time. To make these approaches work well, though, you need to ensure that you always have sufficient funds in the bank.

Three – Co-Signing Loan Requests

A friend or relative might come to you with a request to help co-sign their
loan
 as their lender won’t extend credit to them otherwise. But keep in mind that this happens most often because the individual in question has a less than stellar credit score. Also, should they be unable to pay back for whatever reason, you’ll have to bear the responsibility of that debt.

The Solution

Learn how to say “No” as politely and firmly as possible. You can also recommend that the person check their credit report and know where they stand first before trying to apply for a loan.

Following all these steps might be challenging, but it will ensure that your credit score remains in perfect condition and you’re financially safe!

Tags:
CCRIS
Central Credit Reference Bureau Information System
Credit Score
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Financial Mediation Bureau (FMB)

Carefully consider this scenario:

Assuming you’re the typical everyday driver. You have a set route you commute. You’ve taken out what
insurance policy
 you feel is most appropriate for you and you make sure you’re never tardy when it comes to making payments for your premium. Everything is good so far, right? Now imagine that one day, the worst happens and you get involved in a
road accident
. Maybe the other driver’s vehicle takes a nasty hit, or maybe the accident resulted in the damage of another person’s property. The situation isn’t ideal, but you have
insurance
 so everything should be fine, right? You get in touch with your insurer for the necessary payout to cover your expenses. Only for them to either deny your claims or delay your payout excessively. What do you do? This is where the
Financial Mediation Bureau
 (
FMB
) comes in.

What Is The Financial Mediation Bureau (FMB) Exactly?

The
Financial Mediation Bureau (
FMB
) is an independent organization that was established with the sole purpose of resolving disputes and conflict between financial bodies like banks or
insurance providers
 and their clients. Should you find yourself in any difficult situation with your insurer, seeking out the
Financial Mediation Bureau
 is a possible recourse for settling the problem. Under the close control and supervision of the Bank of Negara, Malaysia, the sole purpose of this institution is to ensure consumer (your) protection.

Why Should You Know How They Work?

As the insured party, knowing various bodies like the Financial Mediation Bureau and how they operate is only one of the many ways you do your due diligence. While it’s undoubtedly true that by taking on an
insurance policy
, you’ve done your part and things needn’t get more complicated, sometimes, matters don’t work that way. Having a clear picture of knowing what to do if your
auto insurance company
 isn’t coming alive to its responsibilities help you take quick action and prevent matters from getting further out of hand. For example, FMB as a body can get involved in your case only if the claim in question:

Doesn’t exceed the sum of RM200, 000 in the case of auto and
vehicle insurance
.

Doesn’t exceed the sum of RM5, 000 in the case of Third-Party damage to property.

With this kind of information, it is easier for you to plan your next line of action in other to achieve the result you desire.

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Where And When FMB Stays Out (What to Expect)

In addition to the instances cited above, there are other occasions and times where FMB wouldn’t interfere. Some instances where they wouldn’t come include but aren’t strictly limited to:

Disputes originating from complaints by an insurance agent and their principal,

Cases of fraud,

Disputes originating from the public against the insurer,

Cases that have exceeded certain time limits.

Being able to appropriately identify which situations to call this organization in on and which to seek out other help channels better helps you fine-tune your decision-making process.

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How Much Does It Cost To Take On The Services of FMB?

It’s absolutely cost-free! As they are dedicated to ensuring the fair treatment of the insured, should you ever need their services, you would get it at no charge at all. The best part is that whatever decision they make is final and binding on your insurer, not on you! This means that if you aren’t pleased with the outcome of their mediation, you can always choose to move elsewhere and plead your case. So that’s it! If you ever find yourself in a tight spot with your insurer, you know what to do now!

Tags:
Bank of Negara
Financial Mediation Bureau
FMB
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