Tokio Marine Car Insurance 2022: Learn More!

Tokio Marine Car Insurance 2022: Learn More!

Tokio Marine Car Insurance

Tokio Marine was founded in 1879 and offers a wide variety of products and solutions in more than 40 countries worldwide. They cover insurance under property, life, casualty, and health. To date, there are more than 10,000 employees all over the world.

Tokio Marine Car Insurance Plans

Benefits of Tokio Marine Car Insurance: Private Car Plus

You may choose between 3 options: 

1. Tokio Marine Car Insurance: Comprehensive Coverage

With comprehensive coverage, the following are included:

  • Bodily injury or death caused by third-party
  • Damaged or lost property caused by third-party
  • Vehicles that were damaged or lost caused by accidental theft, fire or accident

2. Tokio Marine Car Insurance: Third-Party Theft & Fire Coverage

As part of the third-party fire & theft coverage, the following are included:

  • Bodily injury or death caused by third-party
  • Damaged or lost property caused by third-party
  • Vehicles that were damaged or lost caused by accidental theft, fire or accident

3. Tokio Marine Car Insurance: Third-Party Coverage

The third-party coverage only includes the following:

  • Bodily injury or death caused by third-party
  • Damaged or lost property caused by third-party

Available add-ons

1. Unlimited towing services. You are required to add on just RM27 to enjoy unlimited towing services in Malaysia.

2. Private e-hailing. If you are an e-hailing driver, you can include this policy to protect your passengers.

3. Non-tariff waiver of betterment. This applies to original spare parts only.

4. Non-tariff waiver of compulsory excess for an unnamed driver. Starting from RM400, any driver that isn’t named in your policy is below 21 years old, owns a provisional driving license (L) or has a full driving license below 2 years will be waived.

5. Enjoy NCD (No-claim-discount). If you didn’t make any claim within 12 months, you can enjoy the no-claim discount.

6. Special perils coverage. If your car gets damaged or lost by natural disasters such as landslides, typhoons or floods, you’ll be covered.

7. Windscreen coverage. Protect and get your windscreen covered if it gets damaged.

8. Legal liability to passengers. Protect you and your passengers if any unforeseen circumstances occurred under your responsibility.

9. Legal liability of passengers. Protect you and your passengers if any unforeseen circumstances occurred under a third party.

Tokio Marine Car Insurance Benefits

24 hours roadside assistance. With Tokio Marine Car Insurance, you will be able to request any roadside assistance, including towing services. For accidents, you will be covered up to RM200. For car breakdowns, you will be covered up to RM250.

Wide coverage for panel car workshops across Malaysia. The common struggle is sending your car over to the panel workshops under any insurance company. Thankfully, you won’t have to worry because Tokio Marine has plenty of panel car workshops to choose from all across Malaysia.

Trustable and reliable insurance company. You won’t have any trouble when dealing with Tokio Marine as they value their customers the most. Hence, they are able to ensure you get the most out of your car insurance. The team is professional at what they do, making your experience with them smooth sailing.

Why Buy Tokio Marine Car Insurance With Fatberry

1. Cheap rates in the market

We understand how sometimes car insurance can burn a hole in your pocket. Not everyone is able to afford car insurance. That’s the main goal of Fatberry – to ensure we only offer the cheapest rates so everyone is able to afford car insurance.

We offer a guarantee – if you happen to spot any cheaper rates than ours on other platforms, we are more than happy to refund the difference in 7 working days. The only thing you have to do is provide us with some proof that the quotes are cheaper than ours.

2. Get a quote without any delays

Do you hate waiting to get an email or text just for a quote? Don’t worry – we feel you! Hence, with Fatberry, you can get a quote sent to you within 3 minutes. Yup – it’s that fast and instant! No more waiting hours just for a rate. It’s also 100% free to get an instant quote from us.

3. Compare quotes easily

Do you find yourself struggling to get the right car insurance? Comparing every insurance company can be a real hassle. That’s why we at Fatberry offer a quick solution for you! On our platform, you can compare a few car insurance providers easily. The information included are details such as the rates, benefits, and available add-ons, to name a few.

How does the Tokio Marine Car Insurance Claim work

It’s simple and easy to make a claim with Tokio Marine Car Insurance if you were to ever need it during accidents:

1. The first thing you should do would be to report to the police right away, or at least in less than 24 hours. Explain to them what happened and mention all the parties involved.

2. Then, you may contact the official hotline number at 1 800 88 1301 or 03-2053 5800. They will be able to assist you during the process.

3. You will be asked to send your vehicle to the panel car workshops. You are able to choose which one you want to send your car to.

4. One important thing to know is to not admit any liability or offer to any third party involved (if any). You have to forward any claim from the third party involved to Tokio Marine so they are able to handle it in a professional manner.

Documents Required For Tokio Marine Car Insurance Claim

For each of the claims, there are specific documents required. Learn more about each type of claim here.

Common F.A.Q for Tokio Marine Car Insurance

1. How do I purchase Tokio Marine Car Insurance?

It’s easy to purchase Tokio Marine Car Insurance. You only need to head to our website and purchase online! No long queues or physical documents are required. You may submit everything online.

2. Which Tokio Marine Car Insurance should I go for?

It all depends on your own needs and requirements. Identify what they are and then you can proceed to purchase your preferred Tokio Marine Car Insurance coverage plan.

3. How do I contact Tokio Marine Car Insurance?

You may contact their customer service hotline at 1800 88 0812 or email them at letusknow@tokiomarine.com.my.

4. Is Tokio Marine Car Insurance for me?

We can’t say for sure which car insurance is the right one for you. We strongly advise you to compare all car insurance plans and go for the one that suits you the best.

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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.

*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. 

 

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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.

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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.

*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. 

 

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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.

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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.

*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. 

 

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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