Etiqa Motorcycle Insurance

Etiqa Motorcycle Insurance

by | Jul 13, 2023 | Motorcycle Insurance

Etiqa Motorcycle Insurance

What is Etiqa Motorcycle Insurance?

Etiqa Motorcycle Insurance is an insurance firm that offers a full range of Life and General conventional insurance products, as well as Family and General Takaful plans. The company is owned by Maybank Group which is a leading banking business in ASEAN. Etiqa also offers one of the best motorcycle insurance that can benefit you; read on to find out more about the insurance.

What Are The Types of Etiqa Motorcycle Insurance Available?

There are two types of motorcycle insurance available under Etiqa and they are Motorcycle Takaful and Motorcycle Insurance. Motorcycle Takaful is a comprehensive policy covering your motorcycle’s loss, theft, or damage in accordance with Shariah law.

Motorcycle Insurance is a comprehensive policy covering loss or damage to your motorcycle, liability to third parties for personal injury or death and property damage to third parties. Listed below is the list of benefits you can get from both insurances.

  • Loss or damage caused by an unintentional fire, theft, or accident. If your motorcycle is damaged as a result of a fire,burglary, or accident, this Etiqa motorcycle plan will protect you from financial loss.
  • Injury or death to a third party. It has the ability to protect you if you are involved in an accident that was not your fault and the other party is required to pay for your damages.
  • Third-party property loss or damage. This Etiqa motorcycle insurance can be claimed if an accident occurs and it covers damage to other people’s motorcycle and property.
  • Rebate if you renew the insurance online. You can get a 10% rebate on top of your NCD if you renew any of the Etiqa motorcycle insurance online.

Benefits of Buying Etiqa Motorcycle Insurance

1. Great network support

Operating in Malaysia, Singapore, the Philippines, Indonesia and Cambodia they have over 10,000 agents, 46 branches and 17 offices and over 490 banking assurance networks.

2. Towing costs are covered

Etiqa motorcycle insurance will pay you up to RM50 if your motorcycle is unable to be ridden as a result of any damage covered by this policy. It essentially covers required costs of transporting your motorcycle to the nearest authorised repairer or to a safe place of storage while it is being repaired or disposed of.

3. Credible and reliable insurance agent

Trust was built over the years by achieving numerous industry accolades such as Best Takaful Operator Bancatakaful Business (Etiqa Family Takaful Berhad MTA Takaful Star Awards 2022), Winner of Fastest Estimating Claims Approval Time for Own Damage Claims (Etiqa General Takaful Berhad Motordata Research Consortium Award 2021) and Runner Up of Best Motor Insurance Malaysia (2019/2020 iBanding).

Benefits of Buying Etiqa Motorcycle Insurance with Fatberry

1. The lowest price is guaranteed

Fatberry is the only retailer that exclusively offers the finest discounts on the market, with savings of up to RM500! You will have no trouble getting the best offer on Etiqa motorcycle insurance because comparing them is so straightforward and easy!

2. Get a quotation right away

With Fatberry, you can get a quote in three minutes! You are free of the stress of waiting for Etiqa motorcycle insurance to contact you. A Fatberry quote is also completely free!

3. Registered and licensed insurance agent

Fatberry is a reputable and authorised insurance firm, so you may get any type of insurance through this insurance agent with confidence!

Common F.A.Qs – Motorcycle Insurance

1. What are the policy’s primary exclusions?

This policy does not cover the following losses:-

  • Your own death or bodily injury as a result of a motor accident.
  • Your obligation for claims made by passengers in your car.
  • Loss, damage, or liabilities resulting from a natural disaster, such as a flood, a storm, or a landslide.
  • The inability to use your motorcycle.

2. Can I terminate my insurance policy?

You may terminate your insurance at any time by providing Etiqa with written notice and returning the original Certificate of Insurance. Any reimbursement of the premium would be subject to the policy’s terms and conditions.

3. How do I claim the insurance?

If you want to file a claim, here are the essential rules you must follow:-

  • Please report the incident to the police within 24 hours.
  • Report any event that may give rise to a claim under your policy to them right away. Notification can be done in writing or by calling the Claim Assist line at 1300 88 1007.
  • Fill up and submit the Claim Form as quickly as possible, together with any supporting documentation.

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Fatberry is a comprehensive platform with a wide range of motorcycle insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

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Panduan Insurans Cermin Kereta (2023)

Panduan Insurans Cermin Kereta (2023)

by | Jul 13, 2023 | Car Insurance

Insurans Cermin Kereta

Apa Itu Insurans Cermin Kereta?

Insurans cermin kereta (windscreen) ialah perlindungan tambahan yang boleh anda tambahkan pada polisi insurans komprehensif anda. Ia adalah untuk menampung kos penggantian atau perbaikan cermin kereta anda. Perlindungan tambahan ini akan meliputi kos penggantian atau pembaikan, tanpa menjejaskan Diskaun Tanpa Tuntutan (NCD) anda.

Sebagai contoh, katakanlah bahawa cermin kereta anda anda retak atau pecah, anda boleh membawa kereta anda ke bengkel panel atau pembaikan, lalu tuntut untuk memperbaiki atau mengganti balik cermin kereta anda. Tiada bayaran tambahan diperlukan dalam proses tersebut kerana ia akan dilindungi oleh insurans anda.

Berapakah Kos Insurans Cermin Kereta?

Untuk menikmati perlindungan insurans cermin kereta ini, premium tambahan yang anda perlu bayar hanyalah 15% daripada jumlah yang diinsuranskan untuk cermin depan anda. Sebagai contoh, jika cermin depan anda adalah RM1,700, maka anda hanya perlu membayar 15% daripada jumlah itu atau hanya RM255

Bagaimanakah Cara Untuk Membuat Tuntutan Insurans Cermin Kereta?

Jika cermin kereta anda retak atau pecah, ini adalah langkah mudah untuk menuntut daripada insurans anda untuk pembaikan atau penggantian cermin kereta anda.

Beberapa perkara harus dilakukan iaitu:

1. Hantar kereta anda ke bengkel panel atau pembaikan. Anda hanya perlu hubungi talian penting syarikat insurans anda untuk mencari bengkel panel berdekatan anda.

2. Anda perlu memberikan salinan dokumen berikut kepada bengkel panel untuk tujuan tuntutan insurans:

  • Kad pengenalan pemilik kenderaan (MyKad)
  • Lesen memandu pemilik kenderaan
  • Geran kenderaan
  • Nota perlindungan insurans

3. Bengkel panel akan membaiki atau menggantikan cermin kereta anda. Segala pembaikan, penggantian dan tuntutan insurans anda akan terus diselesaikan dengan syarikat insurans anda.

Adakah Anda Akan Kehilangan NCD Anda Jika Anda Menuntut Insurans Cermin Kereta?

Jika anda tidak mempunyai perlindungan insurans cermin kereta, anda akan kehilangan NCD anda apabila anda ingin menuntut pembaikan atau penggantian cermin kereta anda. Perlu diingat bahawa jika NCD anda kembali kepada 0%, anda perlu membayar jumlah penuh premium insurans anda pada tahun berikutnya. Kita semua boleh setuju bahawa tindakan ini adalah tidak begitu wajar untuk duit poket anda.

Sebaliknya, jika anda mempunyai perlindungan insurans cermin kereta, anda boleh menyimpan NCD anda walaupun anda telah menuntut pembaikan atau penggantian cermin kereta anda. Sebagai contoh, jika NCD semasa anda ialah 55%, anda masih boleh menikmati kadar NCD yang sama pada tahun berikutnya.

Perlukah Saya Menambah Perlindungan Insurans Cermin Kereta?

Seperti mana-mana produk insurans, mempunyai perlindungan insurans cermin kereta memberikan anda keselesaan hidup. Ini adalah kerana anda tahu jika cermin depan pecah, anda tidak perlu mengeluarkan secebis wang tunai untuk menggantikannya. Anda tidak boleh jangkakan apa yang akan berlaku, jadi insurans cermin kereta dapat menjamin anda dilindungi jika berlaku kemalangan yang tidak dijangka.

Untuk kereta model baharu, penggantian cermin kereta boleh menjadi dalam jumlah yan agak besar kerana penderia tambahan yang dipasang pada skrin.

Sebagai contoh, cermin depan Perodua Aruz dengan sensor hujan akan menelan kos sebanyak RM1200 untuk diganti. Anda hanya memerlukan RM180 untuk menginsuranskan cermin kereta ini, termasuk bayaran pemasangan/buruh dan tintn filem solar baharu.

Tips Yang Anda Perlu Tahu Tentang Perlindungan Insurans Cermin Kereta

1. Di Manakah Boleh Saya Membuat Pembelian Insurans Cermin Kereta?

Apabila anda ingin memperbaharui insurans kereta anda dalam talian, melalui ejen anda atau di pejabat pos, anda boleh membuat pembelian dengan menambah perlindungan insurans cermin kereta. Anda juga boleh membeli perlindungan insurans cermin kereta pada bila-bila masa selagi polisi insurans kereta anda masih sah. Jika anda ingin membuat pembelian sekarang, Fatberry sentiasa sedia untuk berkhidmat!

2. Berapa Kali Boleh Anda Tuntut Insurans Cermin Kereta?

Anda boleh membuat tuntutan beberapa kali sehingga anda mencapai jumlah yang diinsuranskan. Jika tuntutan anda belum mencapai jumlah penuh yang diinsuranskan, anda boleh terus mendapat perlindungan untuk baki yang masih ada.

3. Nilai Insurans Cermin Kereta

Sebarang sebut harga yang anda dapat daripada pakar pembaikan cermin kereta hendaklah termasuk cermin depan baharu, buruh dan filem warna yang berkualiti.

Bagaimana Cara Untuk Mendapat Insurans Cermin Kereta?

Pilihan terbaik ialah dengan hanya mendapatkan sebut harga untuk insurans cermin kereta anda daripada platform insurans kereta dalam talian yang terbaik, seperti Fatberry. Anda tidak perlu menyediakan apa-apa kertas kerja. Sangat mudah kerana anda hanya perlu masukkan butiran anda, dan dalam beberapa minit, kami akan menilai kriteria harga insurans yang diminta dan mengeluarkan senarai kenderaan dan harga anda!

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Fatberry adalah platform yang menawarkan insuran-insuran yang terbaik dalam talian. Anda boleh memilih dari pelbagai jenis insuran daripada harga yang terendah! Jenis-jenis insuran yang ditawarkan di dalam laman sesawang Fatberry adalah insuran kereta, motor, kesihatan, pelancongan dan akan datang, insuran denggi.

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Best Medical Insurance in Malaysia (2023)

Best Medical Insurance in Malaysia (2023)

by | Jul 13, 2023 | Health Insurance

Best Medical Insurance in Malaysia

What is Medical Insurance?

Medical insurance is insurance usually intended to cover the expense of private medical care, including hospitalisation and healthcare services. It is also an insurance that provides you coverage if you are found to have a covered sickness or have been in an accident.

It is a legal agreement between a policyholder and the insurance provider that pays for potential medical costs. Premium payment needs to be made to the insurance provider so that they will cover some or all of your medical costs during injury, illness or accident.

Why Do I Need Medical Insurance?

Medical insurance is crucial for several reasons and they will be explained in this section in detail.

1. Rising Medical Costs

With an unstable economy and increasing prices for basic needs of life, medical costs are increasing every year. As a result, customers who experience medical emergencies wind up using their savings.

This has an impact on their future plans. Medical insurance will certainly be handy to help you overcome situations like these.

2. Attain Peace of Mind

There are hundreds of things for us to worry about living in this world, you can take away medical bills as something that will disturb your peaceful sleep at night with the help of medical insurance! You should not be concerned about things like how much something costs or where you can afford to go with the existence of medical insurance. Medical insurance can easily safeguard you in the case of an emergency.

3. Enjoy Extra Benefits

Each and every provider of medical insurance will provide you with a few essential benefits. Some of the benefits include discounts for family, coverage for pre-existing conditions, direct billing for inpatient and outpatient care without cash and instalment payments.

Top 5 Medical Insurance in Malaysia

1. RHB Medical Insurance

The provider of the best medical insurance in Malaysia without a doubt is RHB, which provides a wide range of insurance products. As of the year 2023, they offer 4 medical insurance plans which are MediSure Supreme Insurance, Critical Guard Insurance, MediSure Insurance and RHB Critical Shield Insurance. Their benefits are as follows:-

  • MediSure Supreme Insurance: High overall annual and lifetime limit from RM100,000 to RM 2 million, enter and exit with ease, lifelong medical protection, underwriting-free upgrade, no co-payment, extend your protection range and deductible options for more savings.
  • Critical Guard Insurance: Suitable for any budget, critical Illness benefits, up to 10% loyalty benefits, additional payouts up to RM300,000 and coverage from newborn and beyond.
  • MediSure Insurance: Guaranteed renewal up to RM450,000, cashless admission, flexible savings and income tax relief.
  • RHB Critical Shield Insurance: critical benefits for 36 illnesses, up to 50% loyalty benefits and additional 10% payout.

To learn more about RHB medical insurance you can always visit our website!

2. Great Eastern Medical Insurance

Great Eastern also gives the best medical insurance in Malaysia as you can easily acquire the healthcare you need while preserving your finances. They offer 2 comprehensive medical insurance and 2 basic medical insurance.

Comprehensive Medical Insurance:-

  • A-Plus Total Health: A total medical protection, health wallet up to 10 times with no claims, option to pay less (deductible amount of RM500 or RM10,000), family boost, personal medical case management benefit and full coverage for Covid-19.
  • A-Plus Health: A total medical protection, health wallet up to 10 times with no claims, option to pay less (deductible amount of RM300 or RM20,000), healthy rewards for staying healthy and full coverage for Covid-19.

Basic Medical Insurance:-

  • A-Life Med Regular: Lifelong medical protection, no lifetime limit for claims, different coverage options, zero deductible charges and full coverage for Covid-19.
  • A-Life Medik Famili: Family plan, lifelong medical protection, no lifetime limit for claims, surplus and full coverage for Covid-19.

They also provide add-ons under their medical insurance such as A-Plus Health Booster, A-Plus Recover, A-Plus Recover-i, A-Plus BabyCare Xtra, A-Plus BabyCare Xtra-i and A-Plus Hospital Income. You can learn more about all these add ons at the official Great Eastern website page!

3. Allianz Medical Insurance

Founded in 1890 and serving over 100 million clients globally, Allianz Malaysia Berhad certainly is one of the providers that offers best medical insurance in Malaysia. They have 5 options under their medical and hospitalisation insurance.

  • Allianz Diabetic Essential: 4 medical plans are available, benefits of annual health screening and benefit from annual premium savings.
  • HealthInsured: There is no overall life limit, high annual overall limit and option for a flexible deductible.
  • MediAdvantage: Benefit of receiving medical care overseas, additional medical advice and seamless encounter.
  • Allianz i-HospitalCash: Daily financial benefit after being hospitalised, double cash benefit for hospitalisation abroad and bonus for no claims upon maturity.
  • Allianz MediCure: 5 medical plans are available, plans with 5 optional deductibles, available for both single and multiple insured people.

4. Generali Medical Insurance

Generali Malaysia is also another provider that provides the best medical insurance in Malaysia as it is Malaysia’s top digital life insurer. The medical insurance they offer is called eMedic Plus. The benefits this plan offers are as below:-

  • eMedic Plus: Auto-increase of annual limit, no claim rewards up to RM60 per policy year, get 5% off if you choose the family plan, up to RM150 daily hospital allowance and paying as low as RM33 every month.

5. Takaful Medical Insurance

Striving to be the customer’s first choice since 1984, Takaful Malaysia certainly falls under the category of providers that give the best medical insurance in Malaysia. They provide Takaful myClick MediCare which is a personal health insurance policy that covers legitimate medical costs up to the annual maximum.

  • Takaful myClick MediCare: Complete inpatient and outpatient benefits coverage (up to RM100,000 annual protection), there will be no co-payment even if you upgrade your Room and Board (R&B), there will be no lifetime limit until the age of 85 and all hospitalisation treatments are covered.

Conclusion

Medical insurance needs to be taken by all of us because health is what keeps us going in our life. In order for you to do that, take a look at Fatberry which is an online platform that offers a wide range of insurance options for you at the cheapest price! You can select the insurance brands and plans that best suit your needs and expectations!

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Fatberry is a comprehensive platform with a wide range of medical insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

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Senarai Harga Insurans Kereta (2023)

Senarai Harga Insurans Kereta (2023)

by | Jul 13, 2023 | Car Insurance

Senarai Harga Insurans Kereta

Jika anda ingin membeli kereta pertama anda dan ingin mengetahui senarai harga insurans kereta serta senarai harga insurans kereta mengikut CC, artikel ini adalah tepat untuk anda.

Ketahui lebih lanjut tentang senarai harga insurans kereta dan cara untuk membelinya dengan terus membaca!

Adakah Anda Boleh Mendapatkan Senarai Harga Insurans Kereta Mengikut CC Dengan Lengkap?

Mendapatkan senarai harga insurans kereta bagi setiap jenis kereta yang dipecahkan mengikut kapasiti enjin (CC) adalah agak mencabar. Harga insurans sering turun naik dan ia bergantung kepada beberapa faktor tambahan yang lain, bukan hanya daripada kapasiti enjin (CC) semata-mata. Berbanding dengan harga roadtax, harga insurans kereta tidak sama sekali seperti harga roadtax yang sudah mempunyai harga tetap bagi setiap tahun.

Kadar NCD semasa pemilik kenderaan, sejarah pemanduan, tempat tinggal, tahun kereta itu dikeluarkan, serta jenis insurans yang dipilih adalah beberapa faktor tambahan yang akan diambil kira semasa memutuskan harga insurans kereta seseorang.

Ini bermakna walaupun kereta anda dan kereta rakan mempunyai CC yang sama, harga insurans kereta akan tetap berbeza jika faktor lain yang dinyatakan di atas diambil kira.

Sebagai contoh, katakan rakan anda memandu Perodua Axia 1.0 dan anda memandu Proton Saga 1.0. Walaupun kedua-dua kereta mempunyai kapasiti enjin yang sama, harga insurans kereta untuk setiap kenderaan tetap akan berbeza.

Contoh Sebut Harga Insurans Kereta Berdasarkan CC (Anggaran)

Walau bagaimanapun, berdasarkan jenama, NCD dan harga pasaran kereta yang sama, kami mungkin boleh memberikan contoh cara anggaran senarai harga insurans kereta mengikut CC. Satu perbezaan bagi contoh-contoh kereta di bawah adalah hanya CC enjin sahaja.

Untuk maklumat lanjut, lihat di bawah:

Contoh Anggaran Senarai Harga Insurans Kereta Perodua Myvi (Berlainan CC)

Kapasiti Enjin (CC) Senarai Harga Insurans Kereta Mengikut CC
1.0 RM330.00
1.3 RM420.00
1.5 RM600.00

Contoh Anggaran Sebut Harga Insurans Kereta Perodua Bezza (Berlainan CC)

Kapasiti Enjin (CC) Senarai Harga Insurans Kereta Mengikut CC
1.0 RM390.00
1.3 RM450.00

Contoh Anggaran Sebut Harga Insurans Kereta Honda Civic (Berlainan CC)

Kapasiti Enjin (CC) Senarai Harga Insurans Kereta Mengikut CC
1.5 RM1150.00
1.8 RM1340.00

Contoh Anggaran Sebut Harga Insurans Kereta Honda Accord (Berlainan CC)

Kapasiti Enjin (CC) Senarai Harga Insurans Kereta Mengikut CC
2.0 RM2230.00
2.4 RM2700.00

Contoh Anggaran Sebut Harga Insurans Kereta Proton Saga (Berlainan CC)

Kapasiti Enjin (CC) Senarai Harga Insurans Kereta Mengikut CC
1.3 RM436.50
1.6 RM698.00

*P/S: Anggaran berikut hanyalah satu contoh dan mungkin tidak sepenuhnya tepat dengan harga insurans kereta yang anda perlu bayar.

Cara Untuk Mengurangkan Harga Insurans Kereta Anda

Dengan mengikuti tips ini, anda boleh memastikan bahawa premium yang anda bayar adalah munasabah dan sesuai untuk perlindungan yang anda perlukan.

Cadangan ini akan membantu anda dalam mengurangkan harga insurans kereta anda, dan anda boleh menggunakannya sebagai rujukan agar tiada pembaziran berlaku untuk pembaharuan masa hadapan.

1. Semak Nilai Insurans Kereta Anda

Anda harus memastikan bahawa nilai kereta anda mengikut Nilai Pasaran Semasa (Current Market Value). Klik di sini dan anda akan dibawakan ke laman web yang dapat membantu pengguna untuk mengesahkan nilai pasaran semasa kenderaan.

2. Periksa Amaun Atau Peratusan “Loading” Dalam Polisi Insurans Kenderaan Anda

Dalam dunia insurans, loading adalah kata lain untuk “caj tambahan” yang ditambahkan pada premium berasaskan risiko. Walaupun merujuk kepada risiko yang sama, setiap firma insurans menetapkan nisbah loading yang berbeza daripada yang lain. Sesetengah firma insurans mengenakan kos loading antara 15% hingga 35%, berdasarkan polisi yang digariskan oleh perniagaan.

Oleh itu, anda bebas memilih firma insurans yang mengenakan loading dengan kadar rendah atau tiada loading sama sekali. Anda boleh mencuba nasib anda dan mencadangkan agar ejen anda berunding dengan firma insurans untuk membatalkan loading anda.

3. Dapatkan Insurans Kenderaan Anda Terus Dengan Syarikat Insurans Anda

Adakah anda sedar bahawa 10% daripada jumlah premium yang anda bayar pergi kepada ejen anda sebagai komisen? Diskaun sehingga 15% kini boleh diperolehi pada mana-mana polisi yang dibeli terus daripada pembekal insurans (bergantung pada jenis perlindungan), menurut Bank Negara Malaysia (BNM). Anda akan menerima diskaun 10% jika anda membeli perlindungan insurans kereta.

Walau bagaimanapun, bagi sesetengah orang, industri insurans adalah agak teknikal. Oleh itu, untuk memastikan anda sentiasa mendapat perlindungan dan nasihat yang bernas tentang insurans, ia lebih baik untuk mengambil perkhidmatan ejen bereputasi dan berpengalaman yang boleh memberikan bimbingan mengikut keperluan, terutamanya sekiranya anda perlu mengemukakan tuntutan insurans anda.

4 Jenis Caj Tambahan Yang Akan Ditambahkan Pada Harga Premium Insurans Kereta Anda

  • 6% Cukai Jualan Dan Perkhidmatan (SST)
  • Duti Setem Berjumlah RM10
  • Perlindungan Tambahan (Hanya Dikenakan Pada Yang Ambil Sahaja)
  • Komisyen (Jika Membeli Insurans Menerusi Ejen)

Bagaimana Cara Untuk Mendapat Sebut Harga Insurans Kereta?

Pilihan terbaik ialah dengan hanya mendapatkan sebut harga untuk insurans kereta anda daripada platform insurans kereta dalam talian yang terbaik, seperti Fatberry. Tiada kertas kerja diperlukan. Hanya masukkan butiran anda, dan dalam beberapa minit, kami akan menilai kriteria harga insurans yang diminta dan mengeluarkan senarai kenderaan dan harga anda!

___________________________________________________________________________________________________

Fatberry is a comprehensive platform with a wide range of car insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

 

 

GET QUOTE

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Windscreen Insurance: Everything You Need To Know

Windscreen Insurance: Everything You Need To Know

by | Jul 13, 2023 | Car Insurance

Windscreen Insurance

What is windscreen insurance?

Windscreen insurance is the primary auto insurance policy’s add-on coverage. The windscreen insurance will be an add-on only under a comprehensive insurance policy. All door windows, the glass in the sunroof, and the front and rear windscreens are covered.

If certain glass components are broken, the cost of repair or replacement will be covered by windscreen insurance. Your installed windscreen, labour fees and the frequently tinted solar film will all be covered by your insurance. In the event that your car’s windscreen is hit by a stone or broken during a break-in, your insurance will pay the replacement costs also.

How much does a windscreen cost?

The general rule is to pay 15% of the total amount insured for your windscreen for this extra coverage. For instance, if your total cost of windscreen replacement for your car is RM1800 then you will have to pay an extra RM270 (15% x RM1800) together with your comprehensive car insurance premium.

Two situations with windscreen insurance and without windscreen insurance during an accident will be provided to make you understand the advantages. The price of insurance in the situations below is based on the previous example.

Situation 1: With Windscreen Insurance
You will only have to pay RM270 if you want to replace your windscreen with windscreen insurance under your insurance policy. Because you are eligible to submit a claim without losing or changing your No Claims Discount (NCD) under your auto insurance policy, you don’t need to worry about that specific amount of money.

Situation 2: Without Windscreen
You will have to pay RM1800 to get the windscreen replaced. You might also opt to replace the broken windscreen by making a claim under your comprehensive insurance. However, losing your NCD is a major drawback in this situation.

As a result, your NCD resets to zero and your auto insurance rate increases the next year which is certainly not a favourable situation for you.

How can you claim windscreen insurance?

There are a few easy steps to follow in order for you to claim your windscreen insurance in case it is broken or hit by any object.

1. Send your car to a repair shop or a panel shop by contacting the hotline provided by your insurer.

2. You will need to bring along documents to make a claim for windscreen insurance. The documents needed vary for a private and a commercial car.

  • Private Car: IC, driving licence, an insurance policy or cover note and vehicle registration card.
  • Commercial Car: IC, driving licence, an insurance policy or cover note, vehicle registration card, business registration and company stamp.

3. Finally, your windscreen will be fixed or replaced and the panel workshop will handle your insurance claim by communicating with your insurer directly.

What should you do following the replacement of the windscreen?

Here we will discuss some of the suggested steps to follow after replacing your windscreen.

1. It is critical to take care of the windscreen right after the replacement. In order for you to do that there are certain things you should do. They are as follows:-

  • Do not drive your car or wash your car immediately after the replacement of the windscreen as it will be very fragile during that period of time.
  • Recheck your car for any leftover glass pieces on the surface of your seat or floor. This is to ensure the safety of the driver and the passenger.
  • Leave the tapes attached to the windscreen for at least 2 to 3 days as it is important to keep the glass in the windscreen to not move during the initial period of the replacement.
  • This goes without saying, it is very important for you to drive your car safely over speed bumps and uneven roads.

2. Renew the coverage on your windscreen because windscreen insurance can usually be claimed only once. Keep your windscreen protected by getting additional windscreen coverage.

3. After a few months, verify your NCD status again. Make sure you still have your NCD because mistakes might happen. There were cases where the panel shop claimed the main insurance policy instead of claiming windscreen insurance which may cause issues with renewing your auto insurance.

Things to take note of regarding windscreen insurance

Before purchasing insurance carefully read the policy details and don’t forget to ask the insurer about the specifics of the windscreen coverage. The windscreen issuance policy covers all door windows (together with quarter glass), windows in the front, original sunroof glass, and rear and back windows.

Another important thing to note about windscreen insurance is that it is essential to have one due to the Malaysian Road Transport Act of 1987 which makes it illegal to drive an automobile with a crack wider than 6 inches. Despite being not as serious of an issue as a car’s technical issue, the windscreen is also part of the car’s safety feature. So, windscreen damage can be very dangerous for the driver and the passenger in a car. That is why it can be illegal to drive a car with a damaged windscreen. So, make sure to have windscreen coverage when purchasing a car insurance plan.

Claim windscreen insurance with Fatberry

Fatberry provides you with the most simple way to purchase insurance in Malaysia. You can easily compare and customise insurance and they will have you covered in every aspect. All you have to do is simply follow three steps which are to compare the best prices, customise your insurance policy and finally purchase the insurance plan that you desire!

Fatberry is the best choice to claim your windscreen insurance. With Fatberry, adding windscreen coverage to your insurance is simple! Simply update your auto insurance with Fatberry and add this protection to your policy before you pay.

Contact FatBerry customer care at +601126128112 and they can help you determine what paperwork is needed for your claim. Get your insurance quotes by visiting Fatberry now!

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Fatberry is a comprehensive platform with a wide range of car insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

 

 

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