most of the insurance company have excess loading charges.
if u find one without it will be good.
Nowadays all got loading. I used to get my Insurance without loading because my cousin works there, but lately she also cannot help. Say higher up have imposed the loading.
My 16 years old load 15%, My VR over 20 years load 20%....
---------- Post added at 08:34 AM ---------- 6 hour anti-bump limit - Previous post was at 08:33 AM ----------
right now bank negara has imposed RM12k min amount insured for ol' cars, my kancil 17years also after ncd 55% has to pay RM336 (etiqa) include roadtax via agent, that amount also include 15% loading (extra amount after ncd), right now i'm thinking just to get 3rd party insurance but a lot told me yes it's cheap but if anything happens maybe we'll have to crank out more than we pay for ins& the difference is not that of a gap u can satisfy wit, i'm also in dilema 2
:hmmmm:
But mine is RM10k min....
---------- Post added at 08:36 AM ---------- 6 hour anti-bump limit - Previous post was at 08:34 AM ----------
TS, I'm also gonna renew my road tax soon. Thanks for starting this thread. My car is about the same age as yours.
May I know uf u guys know any insurance company that can cover windscreen without seeing whether the windscreen is cracked or not? Mine is cracked already. Thanks.
They won't check the windscreen, as mentioned by bro. Izso please claim only after a couple of months. Then when you renew your yearly premium the windscreen insurance will be added...
---------- Post added at 08:42 AM ---------- 6 hour anti-bump limit - Previous post was at 08:36 AM ----------
do online etiqa insurans@my
[email protected] js add how much u want to insured...they dont c the cermin.....hehe...thinking of change the ins company....now that takaful malaysia giving 15% back from ncd...hehe...anyone have experience wit takaful malaysia...thanks...
Bro.,
NCD increases every year if you do not make any insurance claim.
NCD For Private Car
Period of Insurance - Discount
After the first year of insurance - 25%
After the second year of insurance - 30%
After the third year of insurance - 38.33%
After the fourth year of insurance - 45%
After five or more years of insurance - 55%
Or do you means rebate?
Yes, unless you buy your insurance direct from the insurance company. Mine only gives 10%
