Insuran Punya Pasal
This year baru ja saya renew my roadtax and insurance. I went to KL, my mother-in-law fetched my wife di Likas, masa balik, di simpang pigi Luyang, Stadium Likas dekat dengan Basel Church... "bang" berlanggar dengan Toyota Unser. Both banged into each other, siapa yang bersalah.. kurang pasti sebab both were running on green light (menurut mereka). Lucky no one is injured. Nah, to shorten the drama, the car masuk workshop. Cerita punya cerita, the workshop operator doesn't want to repair if the insurance is AmBank (mereka tengah boikot- they said the processing too complicated, wasting time, energy, and money). Then the car towed to another workshop, this time ok. Cerita punya cerita lagi, alamak they said my car is underinsured, I have to pay the balance cost la pula. I don't understand at first, tapi bila saya buat research they are doing this kind of calculation:
sum-insured/car current value * repair cost = claimable fee.
Example:
Your car sum-insured is RM10,000.00, car current value is RM18000 and the repair cost is RM2000.00 the claimable fee is RM10000/RM18000*RM2000.00=RM1111.11
Now you still need to pay RM2000 - RM1111 = RM 999 to the workshop.
So moral of the story is: Get insurance that is cover the current value of the car or the safer side buy insurance that equal to balance car repayment. Mahal sikit la tapi, when it happen (accident) you don't have to worry.
November 22, 2008 at 10:33 PM
Thats true. Always look for insurance that covers the current value of your car.
Dulu, masa sia mau renew my car insurance for the second year...ada juga sia ingat mau cari yg paling murah punya premium which means the sum insured is less than the current value of the car. Lucky i was advised by a friend that it is best to just stick to insurance that covers the car's current value since i always do long distance travelling every week. So palis2 lah ada apa2 happen, at least i do not get headaches when it comes to paying for the repairing thingy.
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