Monday, July 9, 2012

Polisi Insuran Kereta - Maklumat penting

Setiap kita yang memiliki kenderaan "diwajibkan" mengambil insuran First Party (i.e. insuran merangkumi kecurian dan kemalangan yang dialami oleh kita). Yang peliknya, kereta Kancil saya tahun 2002, tiada hutang bank, apabila saya hendak mengambil Insuran Third Party (i.e. pihak syarikat insuran akan bayar kepada pemilik kenderaan yang berlanggar dengan kita), pihak syarikat insuran kata tiada jadi saya terpaksa ambil First Party RM300.00 (nota: road tax Kancil 660cc = RM20.00 setahun).

Di bawah ini, saya "cut & paste" maklumat yang diterima dari seorang sahabat tentang Insuran Kenderaan yang saya rasa PENTING diketahui oleh kita dan sedikit maklumat tentang "kehilangan KP/IC".

Regards
Abd Talib Said

To All Car Owners.
Car Insurance Claim Void - IMPORTANT‏

In any case, when making a police report, you must ALWAYS report that the CAR WAS STOLEN without your knowledge. If you reported it as the car was driven away when it was left in the car wash, no insurance will pay you. You can only sue the company for negligence. Advice: Let the professional do the report! I have a car crashed and broke a lamp post, and the towing agent told me to pay RM100 to let him and "the professional" do the standard report that can guarantee dapat the insurance claims! I got the claims and escape paying for the broken lamp post! I was warned: If I were to report the actual reasons my way on how the car crashed, I won’t be able to get the insurance claims.

Note: Reasons such as tyre bursts, driver tidur, car skidded, heavy rain, car went out of control, road slippery etc. all these reasons will be rejected by insurance companies and you get zero claims. It must be reported as an accident not because of your fault, the car's technical fault, road fault, weather's fault but must put the blame on others as the cause of accident!

You can declare yourself as the cause of accident, can still get the insurance claim, but the Police will fine you first RM300 and you have to pay for the replacement of the damaged lampost!

A Lampost at Plus Highway will cost you RM4000!

Same thing if you parked your car under a tree and a branch fell off and damaged your car. If you report as a parked car – your claim will not be entertained.

You have to report that while you are driving your car, the branch fell and damaged your car.

CAR INSURANCE CLAIM VOID...

Be careful, if you have the habit of sending your car for car wash or other similar places such as car jockey at car park, while in shopping complex etc..

Two weeks ago my nephew sent his Toyota Harrier for a car wash in the car park of Bangsar Shopping Complex while he had an appointment there. He handed the car keys to the car wash people and left the car park for his appointment.

After the appointment he went to collect his car, & the car wash people told him that his car had been collected. HOW COULD IT BE!?

After a prolonged argument without any results, he had no choice, but to make a police report... and follow up with an insurance claim.

The Insurance company rejected his claim because the car was not stolen. The point of contention was why he had handed over the car keys to someone unknown, and why he had not waited till the car washing was finished. 

So, be careful next time. If you really need to send your car for a car wash, better stay there and wait for your car, if not, this may happen to you..

Please forward this message to all your friends to warn them.

" I am agent of MSIG, ZURICH and BERJAYA SOMPO confirm that if you hand over the keys of your car for someone to take care example :- Car Wash, Car Park and on your return if the Car is 'taken' away, Insurer WILL NOT PAY for the 'Loss'

NOTES FROM AN INSURANCE AGENT:

1. OTHER COMPANIES IN MALAYSIA , TOO, WILL NOT PAY FOR SUCH A LOSS.

2. IF YOU LEAVE YOUR CAR ENGINE RUNNING AND YOUR CAR DOORS UNLOCKED, WHILE YOU POP INTO THE GROCERY STORE FOR EVEN A FEW SECONDS, AND SOMEONE DRIVES YOUR CAR AWAY, THE INSURANCE COMPANY WILL NOT PAY.

PLEASE BE MORE CAREFUL!!!

LOSS OF I.C.

In an unrelated event: Loss of I.C. If you lose your IC and go to get a replacement at the Bahagian Pendaftaran, the fine is RM100 for a first offender (Nota: perkara yang sama telah berlaku kepada anak saya).

If you lost your IC again, the fine will be doubled and so on. If you made the police report that your IC was pick-pocketed (somewhere, say Pasar Malam) the Bahagian Pendaftaran won’t fine you! You get the replacement for free within 24 hr! Just trying to out smart them.

AL - KISAH ... nasib Wira negara! 



Al-kisah, kereta saya di parking di luar rumah seperti biasa (Taman Pekaka, Sg. Dua). Pada jam hampir 12.00 tengahmalam, 18 Ogos 2005, tiba-tiba terdengar dentuman kuat dan enjin lori. Alarm kereta saya berbunyi. Dari tingkap, saya lihat sebuah lori tanah menghentam belakang kereta saya. Sementara hendak membuka pintu dan kunci grille rumah, lori telah cabut lari dan tak sempat melihat nombornya. Diringkaskan cerita, beberapa orang pemuda yang berada di dalam sebuah kereta di belakang lori tersebut berhenti dan memberi maklumat nombor plet lori.  Saya pun membuat laporan Polis di keesokan hari.  Pihak Polis menyemak dan nombor tersebut adalah nombor sebuah motosikal (i.e. nombor palsu).  Jadi saya mengambil keputusan "repair sendiri" (nak charge kepada siapa?), kena RM2,500.00 (NCB insuran pun dah maksima). Yang sedihnya bukan pasal kena bayar tak pasal-pasal tetapi sedih kerana tiada seorang jiran pun yang tinggal berdekatan yang tampil atau bertanya khabar apa yang berlaku atau memberi maklumat tentang lori hantu itu. Semua buat hal masing-masing, rumah masih cerah (belum tidur). Bunyi dentuman dan alarm kereta sudah cukup kuat untuk menarik perhatian. Kadang-kadang terfikir juga nak tukar nama taman tu kepada Taman Pekak A kerana tiada siapa yang dengar apa yang berlaku. Jangan marah, nanti kena lelong!!!

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