Fatberry x ATech Program Pembiayaan Insurans Kenderaan Keluarga Malaysia FAQ

Fatberry x ATech Program Pembiayaan Insurans Kenderaan Keluarga Malaysia FAQ

Frequently Asked Questions

What is Program Pembiayaan Insurans Kerete Keluarga Malaysia?

Program Pembiayaan Insurans Kenderaan Keluarga Malaysia is a repayment scheme for civil servants to renew vehicle insurance (without interests or any upfront payment) in monthly installments of 10 months, through Skim Potongan Gaji ANGKASA (SPGA). This scheme is launched by Datuk Seri Ismail Sabri Yaakob as an effort to help civil servants reduce financial pressure.

Who is eligible?

    • Any Malaysian Civil Servants, (except GLC, GLIC & Contractual – pending approval)
    • Debt ratio not exceeding 60% of monthly salary and cash benefits

How do I apply for this scheme?

    1. Go to https://www.fatberry.com/v3/motor/quote/CAR?partner=atech
    2. Key in your vehicle info to get price quotations
    3. Select a price quotation
    4. Make payment via Program Pembiayaan Insurans Kenderaan Keluarga Malaysia
    5. Fill up and upload required documents, respectively;
      • NRIC
      • Salary slip
      • Schedule J
    6. Submit application

My application is successful. How will I get my policy?

If your application is successful, the insurance policy will be sent to you via email within 1-3 days after approval

How do I know if my application is approved?

You will receive a confirmation email once your application is approved/rejected.

How do I make payment?

No payment is necessary. Salary auto-deduction will be processed via Skim Potongan Gaji ANGKASA (SPGA)

What is a loan protector?

Loan protection insurance covers debt payments on certain covered loans if the insured loses their ability to pay due to a covered event. Such an event may be disability or illness, unemployment, or another hazard, depending on the particular policy.

Is this scheme Syariah-compliant?

It is a form of financing based on Qardhul Hasan’s Syariah-compliant concept, which means that the loan does not involve interest or usury

What type of insurance can I renew with this scheme?

Only Takaful insurance is allowed

My application has failed. Can I re-apply?

Yes, you may re-apply.

How long does it take for the approval process?

If all the required documents are complete, it will take 1-3 working days

How long is the validity of the vehicle takaful price quotation?

The price quotation is valid for 5-days only. If the approval process takes more than 5 days due to reasons such as incomplete documents, then you will need to request a new quotation and re-apply for the loan.

How many months of installments? Can I change to 8 or 12 months of installments?

Only 10 months installment is available

I have been approved by SPGA for this scheme. Can I renew next year with the same scheme?

The scheme was announced on 1st May (Labour Day). There was no validity period specified

Cara Renew Insurans Online Untuk Kereta & Motor 2022

Cara Renew Insurans Online Untuk Kereta & Motor 2022

Renew Insurans Online

Ingin renew insurans online? Jangan risau, kami di Fatberry sedia memberi panduan kepada anda!

Renew insurans online lebih diutamakan pada masa kini kerana kami memahami tentang masa dan tenaga yang dibazirkan. Anda tidak perlu lagi menunggu dalam jangka masa yang lama atau menempuhi sesakan lalu lintas hanya untuk renew insurans kereta anda. Renew insurans secara offline merangkumi pelbagai proses yang merumitkan dan di sebabkan itu, kami menyarankan anda untuk renew insurans secara online.

Ada beberapa cara renew insurans online yang anda boleh ikuti yang boleh memudahkan lagi urusan seharian selain mendapat perlindungan yang diperlukan.

Cara renew insurans online melalui laman perbandingan

Sebelum renew insurans online, anda di sarankan untuk membuat perbandingan untuk setiap jenis insurans yang ditawarkan. Jika anda membuat perbandingan insurans sebelum renew insurans online, anda boleh melihat perbezaan harga, dan servis-servis disediakan. Servis perbandingan insurans ada di tawarkan di beberapa laman sesawang atau syarikat insurans.

Fatberry adalah salah satu syarikat yang menawarkan perbandingan insurans online.

Bagaimana cara renew insurans online di Fatberry?

Semua informasi berada di hujung jari di dalam laman sesawang Fatberry. Anda hanya perlu mengikut beberapa langkah mudah di bawah:

  1. Pilih produk ‘Car Insurance’ di laman utama www.fatberry.com
  2. Isi maklumat yang diperlukan seperti nombor plat kenderaan, nombor kad pengenalan, nombor telefon dan poskod
  3. Anda akan terima sebut harga untuk membuat perbandingan untuk setiap jenis insurans
  4. Pilih insurans kenderaan yang sesuai untuk anda
  5. Semak dan sahkan maklumat peribadi anda dan buat pembayaran secara online
  6. Salinan polisi insurans kenderaan akan dihantar kepada e-mel anda dalam masa 24 jam

Apakah manfaat renew insurans online di Fatberry?

Pelbagai manfaat yang anda boleh dapati jika anda memilih Fatberry sebagai medium renew insurans online seperti:

  1. Kebebasan memilih dan membandingkan harga dan servis
  2. Langkah-langkah renew insurans online yang mudah
  3. Insuran ejen yang berlesen dan berdaftar
  4. Terdapat lebih dari 10 pembekal insurans kenderaan, seperti:
  • ALLIANZ
  • AMGENERAL
  • AXA MALAYSIA
  • BERJAYA SOMPO
  • ETIQA
  • ETIQA TAKAFUL
  • GREAT EASTERN GENERAL
  • KURNIA
  • LONPAC
  • MPI GENERALI
  • MSIG
  • RHB
  • SYARIKAT TAKAFUL MALAYSIA
  • TOKIO MARINE
  • TUNE PROTECT
  • ZURICH
  • ZURICH TAKAFUL

Cara renew insurans kereta secara online terus dengan syarikat insurans

Jika anda sudah mempunyai syarikat insurans yang inginkan untuk renew insurans online, anda boleh terus ke laman sesawang mereka. Jika anda ragu-ragu tentang perkhidmatan renew insurans secara online dari syarikat insurans yang diingini, anda boleh telefon mereka untuk semak semula tentang servis yang ditawarkan.

Manfaat yang utama jika membuat keputusan untuk renew insurans online secara terus dengan syarikat insurans adalah anda boleh mendapatkan potongan diskaun 10% secara automatik ketika pembayaran.

Ikuti cara renew insurans online secara terus dengan syarikat insurans di bawah:

  1. Isi nombor plat kereta anda
  2. Semak butiran peribadi dan kereta anda
  3. Isi poskod lokasi kereta dan kad pengenalan anda
  4. Tambah perlindungan tambahan jika perlu atau langkau ke laman seterusnya
  5. Siap! Anda hanya perlu membuat pembayaran secara online

Selepas membuat pembayaran, anda akan menerima cover note serta polisi melalui emel untuk simpanan masa hadapan anda.

Soalan Lazim (FAQ) yang selalu ditanya tentang insurans kereta di Malaysia

1. Kenapa anda perlu insurans kereta?

Insurans kereta adalah kontrak yang di tandatangani di antara pemilik kereta dan syarikat insurans. Pemilik kereta perlu membayar caj yang tertentu secara tahunan. Peranan syarikat insurans apabila dibayar oleh pemilik kereta adalah untuk memberi perlindungan kwangan kepada sebarang kerosakan atau kemalangan yang mungkin akan berlaku di masa hadapan. Anda disarankan untuk dapatkan insurans kereta untuk melindungi tabung kewangan.

2. Berapa anggaran harga insurans kereta di Malaysia?

Setiap insurans kereta mempunyai harga yang berlainan. Anda boleh mengikut bajet yang anda telah tetapkan. Selain itu, anda boleh menambah perlindungan tambahan yang diperlukan atau beli pakej insurans kereta yang asas.

3. Apakah asas yang diperlukan untuk memilih insurans kereta yang terbaik?

Sebelum membeli insurans kereta yang terbaik di Malaysia, anda perlu ketahui beberapa faktor-faktor yang penting:

i. Perlindungan
Anda harus teliti tentang jenis liputan perlindungan yang ditawarkan untuk setiap jenis insurans termasuklah kecederaan peribadi, kemalangan dan lain-lain.

ii. Bajet
Bukan semua mampu untuk membayar insurans kereta di Malaysia. Bagi setiap syarikat insurans, terdapat harga yang berlainan. Anda akan mempunyai peluang memilih insurans yang diperlukan mengikut bajet anda.

iii. Senari Bengkel Tersedia
Kebanyakan syarikat insurans mempunyai senarai bengkel yang berkerjasama dengan mereka untuk menawarkan servis baiki kereta anda. Kami sarankan untuk anda memilih syarikat insurans yang memberikan senarai bengkel yang banyak di pelbagai lokasi untuk memudahkan perjalanan anda ketika melancong atau ke tempat yang jauh.

iv. Syarikat Insurans
Sebelum membeli insurans kereta, pastikan anda sudah membuat penyelidikan terlebih dahulu. Kami di Fatberry menawarkan servis perbandingan harga bagi setiap jenis insurans secara percuma! Anda juga boleh mengubah suai dan membeli insurans kereta online daripada syarikat insurans yang terbaik seperti Allianz, AXA, Etiqa dan lain-lain.

4. Bagaimana jika anda mahu renew insurans kereta secara offline?

Kami faham jika anda tidak mahu renew insurans online kerana anda perlu menunggu penghantaran cover note dan cukai jalan anda. Renew insurans kereta secara offline perlu di lakukan di tempat-tempat yang berlesen dan diiktiraf sahaja.

Renew insurans kereta secara offline bukan lah sukar, tetapi anda perlu meluangkan sedikit masa dan tenaga untuk pergi ke kedai ejen yang menawarkan perkhidmatan ini.

Langkah untuk membuat pembelian insurans kereta secara offline yang boleh ikuti di bawah:

  1. Pergi ke kedai ejen yang diiktiraf dan berlesen pilihan anda
  2. Anda perlu menyediakan cover note atau polisi insurans sedia ada dan geran kereta untuk ejen rujuk
  3. Pilih insurans yang diperlukan, terdapat tiga jenis insurans yang anda boleh pilih iaitu Insurans Pihak Ketiga, Insurans Pihak Ketiga Kebakaran dan Kecurian atau Insurans Komprehensif
  4. Sahkan jumlah yang diinsuranskan sama ada mengikut nilai pasaran atau nilai yang dipersetujui
  5. Dapatkan sebut harga rasmi dari ejen
  6. Jika anda mahukan perlindungan tambahan di dalam insurans anda, anda boleh memaklumkan kepada ejen untuk mereka menukar sebut harga yang diperlukan
  7. Membuat pembayaran dan selesai!

Selepas membuat pembayaran, jangan lupa untuk dapatkan cover note dan polisi sebagai bukti dan rujukan untuk masa hadapan.

___________________________________________________________________________________________________

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.

*The content provided is for informational purposes only. Fatberry makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. Should you require more information on our products, please refer to fatberry.com or contact us. 

 

Recommended Reads

Follow Us For Latest Updates!

Should You Get An Electric Car in Malaysia?

Should You Get An Electric Car in Malaysia?

 

Electric Car in Malaysia

These days, many people are trying to save the Earth and prevent global warming. Thus, the invention of electric cars! In countries such as Europe and China, electric cars are pretty popular.

In Malaysia, it’s no exception how they are slowly getting popular too. With that being said, if you’re thinking of owning an electric car in Malaysia, read on to find out everything you need to know about it!

What is an electric car?

Electric cars are automatic vehicles that use electric motor power to function. The electric car does not use diesel or petrol engines nor do they have gears. Electric cars are all automatic. If you’re thinking of buying an electric car in Malaysia, it’s pretty much the same here as well. 

How does an electric car work?

Electric cars take electricity from a charging point and store electricity in rechargeable batteries which go to the electric motor. This is how the wheels are turned. The rest of the electrical parts of the car will work together to enable the car to function.

The different types of electric cars in Malaysia

There are only three main types of electric cars in Malaysia which are:

Plug-in hybrid electric vehicle (PHEV)

These types of electric cars are made with an electric drive motor, battery, and internal combustion engine (ICE). The car is able to be driven with either the electric drive motor or ICE, or both of them. Once the electric battery reaches its capacity, the car can be driven in hybrid mode (no range limitation). 

Battery-electric vehicle (BEV)

This means that the electric car is 100% powered by electricity, nothing else. It can only be charged with a charge point.

Extended-range electric vehicle (E-REV)

The E-REV is another type of plug-in hybrid, except the E-REV cars, come with an extra small diesel or petrol generator. Most of the time the electric motor will take over while the ICE takes over once the battery dies off.

Benefits of an electric car

1. Better for the environment

The main reason why electric cars were developed in the first place is to tackle the issue of carbon emissions emitted by gas-powered cars. Electric cars are battery-operated using only pure electricity, Therefore, no gas is emitted through the exhaust pipes.

2. Overall costs are cheaper

Maintaining an electric car is much cheaper because there is no need to change the oil or change mechanical components. Gas-powered cars require regular maintenance to change the engine oil.

3. Better safety features

Since electric cars don’t have gas, when an accident occurs, the chance of the car catching fire or exploding will be close to none. Electric cars will immediately cut the electrical supply of the battery.

4. Smoother drive

Normal gas-powered cars are either manual or automatic, but with electric cars, all of them are automatic. You won’t face the common problem of stalling like you would with manual cars.

In terms of the brake process, normal cars will release frictional heat from braking, which is a waste of kinetic energy. The energy that gets released in electric cars from braking gets transferred to charge the car’s batteries instead.

Cons of an electric car

1. Not many charging stations around

Unlike other countries such as Europe or China, owning electric cars in Malaysia may be somewhat of an inconvenience when it comes to charging them. It can be hard to look for charging stations in every part of the country. To date, there are about 300 charging stations under ChargEV network.

2. Upfront costs are quite steep

As the options for electric cars are quite limited, the price range for most electric cars is around RM100,000 and above. If you wish to buy your own electric car charges, it might cost up to RM10,000. Essentially, the upfront costs will be more expensive than buying an affordable normal gas car.

3. Car service may be limited

Not all car service workshops are familiar with servicing electric cars. Although electric cars require less maintenance, it still requires regular servicing. Your best bet would be to send it to the official service centre of your electric car.

4. Might take a long to charge

Unlike gas cars which take less than 10 minutes to pump petrol, charging an electric car could possibly take up to 8 hours. However, certain charging stations which offer fast charging may take 30 minutes, but again this is considered quite long in comparison with pumping petrol. Hence why you need to plan your drive properly just in case your car runs out of battery.

Available Electric Cars in Malaysia

As electric cars in Malaysia are still relatively new, here are some of the common models available as of date:

  • Hyundai Kona Electric
  • MINI Cooper SE
  • Volvo XC40 Recharge Pure Electric
  • BMW iX3
  • Porsche Taycan
  • Mazda MX-30
  • Renault Zoe
  • Mercedes-Benz EQS

Electric Car Insurance

If you own an electric car in Malaysia, you don’t have to worry about car insurance as most insurance providers such as Etiqa as well as RHB offer insurance and takaful coverage.

In fact, Etiqa even offers insurance and takaful coverage for electric vehicle (EV) home charges. This can be added on to your Etiqa private car insurance. It includes reimbursements for up to RM12,000 to repair or replace the EV home charger. This is during an event of damage or loss due to fire, lightning, explosion, theft, natural disasters or overflowing/bursting of water pipes or tanks.

Summary

When you compare the pros and cons of owning electric cars in Malaysia, ideally it all depends on your budget since the initial costs are quite high. So if you have no financial problems, getting an electric car would be ideal! Plus, if you care about the environment, you’ll find joy in helping the environment by reducing carbon emissions.

___________________________________________________________________________________________________

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.

*The content provided is for informational purposes only. Fatberry makes no representations as to the accuracy or completeness of any information on this site or found by following any link on this site. Should you require more information on our products, please refer to fatberry.com or contact us. 

 

Recommended Reads

Follow Us For Latest Updates!

How To Claim Covid-19 Insurance?

How To Claim Covid-19 Insurance?

HOW TO CLAIM COVID-19 INSURANCE WITH FATBERRY

STEP 1 Seek medical treatment from a qualified and certified Physician

STEP 2 Duly completed claim form together with the supporting documents to Fatberry

STEP 3 Submit filled-up forms to Fatberry at customer.service@fatberry.com

DOCUMENTS REQUIRED 

  1. Click to Download – Claim form & E-Payment form 
    EXAMPLE
  2. PCR/RTK Test Report (positive) approved by a physician or doctor.
  3. Insured IC copy
  4. Click to Download – Questionnaire
    EXAMPLE
  1. Click to Download – Claim Form
    EXAMPLE
  2. Must be a PCR test report (positive)
  3. Screenshot of MySejahtera (HSO) (sample)

If you have further enquiries, please reach out to us at +601126128112 or customer.service@fatberry.com

RHB Medical Insurance FAQ

RHB Medical Insurance FAQ

What is Medical Insurance?
Medical Insurance provides for hospitalization and surgical expenses incurred due to accidents or illnesses covered under the policy.

How does renewal work?
The policy is renewable at the option of the Policyholder. If there is no claim incurred in the first year of policy inception, we will not impose any exclusion upon you on the subsequent renewal in the later years. The renewal premiums payable is not guaranteed and it is subject to age banding and portfolio premium revision. If there are claims incurred within the first year of policy inception, you would still qualify for the renewal, subject to exclusions or premium increases.

Who is eligible?
The policy shall cover eligible persons between the age of 30 days to 70 years, renewable up to 100 years. Your policy may cover your spouse and dependent children subject to the following:
i. A legally married spouse aged below 70 years old at the time of first inclusion. Once included, the spouse may continue to be included up to the age of 100 years.
ii. Unmarried children between 30 days and 19 years old. For dependent children who are full-time students of institutions of higher education, the age limit is 23 years old.

What are the cover / benefits?
HOSPITAL BENEFITS
1) Hospital Room & Board (up to 200 days)
2) Intensive Care Unit (Up to 200 days)
3) Hospital Supplies & Services
4) Operating Theatre

SURGICAL & MEDICAL BENEFITS
1) Pre-Hospital Diagnostics Test (incl Medicines / Drugs)
2) Pre-Hospital Specialist Consultant (incl Medicines / Drugs)
3) Second Surgical Opinion (incl Medicines / Drugs)
4) Surgical Fees
5) Anesthetist’s Fees
6) In-Hospital Physician Visit
7) Post-Hospitalization Treatment
8) Organ Transplant

OUT-PATIENT BENEFITS
1) Emergency Accident Out-Patient Treatment
2) Out-Patient Physiotherapy Treatment
3) Annual Out-Patient Kidney Dialysis Treatment
4) Annual Out-Patient Cancer Treatment

OTHER BENEFITS
1) Protheses / Wheelchair Benefit
2) Home Nursing Care
3) Daily Cash Allowance at Government Hospital
4) Insured Child’s aily Guardian Benefit
5) Ambulance Fees
6) Medical Report Fees
7) Blood & Plasma
8) ID Band & Registration Fees”

Is this a Non-Cashless or Cashless Plan?
This is a Cashless Plan. You will be given a Medical card to facilitate admission to panel hospitals without the need to pay upfront

What is a Deductible Programme?
This option allows you to pay a fraction of the entire annual premium but you need to settle the first RM5,000, RM10,000, RM20,000, RM30,000, RM50,000 or RM100,000 (as per your choice) of eligible expenses on your medical bills. This benefit is especially good if you already have a Hospitalisation and Surgical Insurance policy.

How long is the waiting period?
The eligibility for benefits under the policy will only start 30 days after the Effective Date of the Policy.

Claims Procedure
In the event of cashless admission, kindly contact Asia Assistance at 03–7628 3777 or 03–7841 5777. In the event of claims, kindly contact RHB Insurance

Importance of Keeping the Official Receipt Claims Procedure
After the premium has been paid, please make sure you have been given an Official Receipt as a proof of payment. You are strongly advised to keep the Official Receipt for any future references.

What are the major exclusions under this policy?
a) Pre-existing illness
b) Specified illness occurring during the first 120 days of continuous cover. (Hypertension, Diabetes mellitus, Cardiovascular disease, Tumours, Cancers, Cysts, Nodules, Polyps, Stones of in the urinary and biliary system, Ear, Nose (including sinuses) and Throat conditions, Hernias, Haemorrhoids, Fistulae, Hydrocele, Varicocele, Endometriosis including disease of the Reproduction system, Vertebro-spinal disorders (including disc) and Knee conditions.)
c) Any medical or physical conditions arising within the first 30 days of the Insured Person’s cover or date of reinstatement whichever is latest except for accidental injuries.
d) Plastic/Cosmetic surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy) and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof.
e) Dental conditions including dental treatment or oral surgery except as necessitated by Accidental injuries to sound natural teeth occurring wholly during the Period of Insurance
f) Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilization, venereal disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV (Human Immunodeficiency Virus) related diseases except the infection of HIV arose as a result of blood transfusion, and any communicable diseases requiring quarantine by law.
g) Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions
h) Pregnancy, childbirth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or Sterilization.
i) Hospitalization primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for weight reduction or gain.
j) Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.
k) War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.
l) Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from the process of nuclear fission or from any nuclear weapons material
m) Expenses incurred for the donation of any body organ by an Insured Person and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications.
n) Investigation and treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bone setting, herbalist treatment, massage or aromatherapy or other alternative treatment.
o) Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the Insured and Disabilities arising out of duties of employment or profession that is covered under a Workman’s Compensation Insurance Contract.
p) Psychotic, mental, or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations)
q) Cost/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible non-medical items.
r) Sickness or Injuring arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.
s) Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes.
t) Expenses incurred for sex changes
Note: This is non-exhaustive. Please refer to policy documents for full details

Can I cancel my policy?
You may cancel your policy by giving a written notice to the insurance company. Upon cancellation, you are entitled to a partial refund of the premium provided that you have not made a claim on the policy.

Period not Exceeding Refund of Annual Premium
15 days (applicable to renewal only) 90%
1 month 80%
2 months 70%
3 months 60%
4 months 50%
5 months 40%
6 months 30%
7 months 25%
8 months 20%
9 months 15%
10 months 10%
11 months 5%
Period exceeding 11 months No refund

What do I need to do if there are changes to my contact details?
It is important that you inform us of any changes in your contact details to ensure all correspondence reaches you in a timely manner. You can reach us at customer.service@fatberry.com or +6011 2612 8112

 

BUY NOW