Warganet – The car’s insurance is definitely one of the biggest spending on the ownership of the car. But do you know how much you should pay for your car insurance? Here is a simple guide to help you understand how much to pay for the car insurance and what affects the price.
The cost of the premium (or price) of the premium (or price) depends on a number of factors. Here are 7 factors affecting your premium.
Car Insurance In Malaysia Price
The insured is the maximum amount that the car can be insured. This amount can be determined in two ways:
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Unrivaled discount (also known as NCD bonuses or without requirements) is a remuneration from your insurance company because there is no complaint at a certain period of time. Simply put, if you have not made any complaint last year, you will be discounted to continue the car insurance.
In Malaysia, the NCD ratio is determined by persistent insurance companies in Malaysia (PIAM) and the following ratio:
Wondering how to check your NCD ratio? Simple! You can check your current NCD by visiting the NCD central database or you can check us for free!
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It pushes gears with a drive+ member, promoting great savings for Malaysian car owners to start the loyalty of the first customer … What is the common point Mercedes? Answer: Both vehicles need a valid car insurance on the road.
New or second, local or import, if you own a car, you must have a valid car insurance to drive it on the road; It is very simple.
Anyone who tells you is not knowledgeable, or simply does not respect their own happiness like those around them.
In addition, if you do not have a valid car insurance and the tax on the road (these two people are present, you cannot buy or restore the other without being marked by the police or stop at the time of Zátarad.
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According to the 1987 Road Traffic Act, it is required to have a valid vehicle and road tax insurance, which must be extended annually, for all car owners in Malaysia.
However, in addition to legal requirements, it is important to have enough car insurance for your car to do something that happened to it (whether it’s a collision, natural disaster or even stealing) repair costs – or exchange.
On the basis of the research conducted by the Malaysian Road Safety Research Institute, only more than 400,000 traffic accidents were recorded in 2020, of which nearly 5,000 people killed.
This is a reason to buy a suitable insurance contract – and sufficient – to insurance for you and your car when you are on the road.
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There are three types of engine insurance in the Malaysian market, each is unique for your insurance and/or vehicle.
The third insurance is usually the cheapest of the three car insurance offers and the most basic form of car insurance you can have in Malaysia.
Imagine this: it’s a rainy night and after a late night at work, you go home. The road is neat and sudden, your car slides at the intersection and you go through another driver. Fortunately, you escaped without being injured – but the same thing could not be told to the person you met.
To avoid the enthusiastic branching to return your account in the hospital’s conversation about the repair of the car-will need at least one third-party insurance.
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As its name, a third party insurance applies to requirements against you for injuries to physical injuries or even deaths from others (third parties). It also includes any losses or damage to their vehicles or property.
For most parts, the third and third stealing case works like the third insurance scope, except for this policy that allows you to request whether your car is damaged or stolen fire or not. .
Please note that this type of cover resolves losses/damage caused by fire and random theft, but not loss/damage due to the accident itself.
This vehicle insurance contract provides a wider scope of insurance than the two car insurance.
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In addition to providing the scope of insurance for everything mentioned above, it also includes the damage caused by its own car!
If you can’t afford a comprehensive car insurance, if you are not able to replace your car, for example, use your savings to buy a new car or use the second car.
For example, when you rely on the car to go to work, and those who do not apply before the scripts mentioned above, you like a comprehensive coverage will provide cash equivalent to the exchange value. (The current market value) of the car, so at least you can at least go and buy another car.
The correct decision of the number of vehicle insurance is not missile science. The purpose of insurance companies is to facilitate your life and determine the optimal amount of the insured based on the market value of your car.
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When not recommended from July 2017, other relevant factors to determine your premium. However, the ideal amount of insurance actually returns to the market value of your car.
Put simply, insurance companies can draw the technical details of your car from the database such as five manufacturing, engine size, model type, horse performance, etc. The current market value of your car, with the actual number of miles.
That is very simple, if you buy a new, 000 RM100 car, then your insurance will be ideal for the same amount.
Because the original price is decreasing for many years and your car is old, the amount of insurance can be reduced each year according to lower value and market price of your car.
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Theoretically, you can decide to buy the insured amount lower than the market value of the vehicle. For example, if the market value of your vehicle is 22 000 000 RM after a few years, you decide to buy only the contract of the contract worth 20 000 RM.
You can save a few dollars, but in the end you can decide to find the entire amount of 22,000 RM, because the difference in insurance may be just a relatively small amount and you have been fined. Because there is not enough insurance.
Although it is very attractive when diving directly in hunting the best car shops, you may want to read carefully the conditions of all three policies and realize what is included and excluded from the scope. Your insurance.
Not all incidents apply to car insurance, even if you think it may be, because your car insurance program is a bit higher – or the highest – one of the best plans you Can buy compared to other plans.
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If you think the standard car insurance can cover the cost of your medical account – or even funerals – if you have a traffic accident, think again.
Even a comprehensive vehicle insurance contract only includes damage caused by your vehicle (and the person you can withdraw) the car.
However, you can add a scope of personal accident insurance to your car insurance as a driver to help cover your health care costs.
In addition, you can also receive a separate medical or individual insurance contract to help you with health accounts. – Be sure to check if the policy includes injuries due to traffic accidents.
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A passenger who is damaged by a traffic accident will have a lighter case than a person behind the steering wheel – if the accident consists of two vehicles, one of the drivers made by passengers.
To avoid paying these complaints from your pocket, you can add liability insurance to passengers to the car insurance contract.
Pimping your completely new car with your own sides, leather seats and expensive audio systems can get points with your friends (even days).
Most standard vehicle insurance contracts do not pay for repair or compensation for these separate accessories, even if you can check your car insurance with your car insurance if you can Expand insurance for your accessories.
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When the parts of the vehicles are worn out over time (except for parts made of glass, such as windshield), the value of your car is devalued with them.
If you are planning to insurance a car being pushed for 15 years, it may be difficult to get a comprehensive car insurance contract, but instead you can decide to cover third parties.
These unfortunate events, along with earthquakes and storms, are often referred to as the natural disaster or action of the Lord and often not applicable in standard car insurance contracts. (*)
