Motor Insurance Premium Computation

Hey guys. Today I wanna help you guys how to calculate your motor insurance premium. But only for basic calculation. This will help you guys to prepare the money and what to expect once your roadtax/ insurance expiring.

Step by Step
1. Berapa sum insured kereta uols? Or pilih sendiri berapa nak cover kalau total loss? Kalau still lagi tak faham then click dekat link ni. Website ni boleh tolong berapa total market value untuk kereta uols.
https://www.mycarinfo.com.my/Valuation/SearchVehicle?version=free&clean=1

2. This one agak tricky. Tapi rilek. Baca betul-betul and aku yakin senang je nak faham.

• First, berapa engine CC (cubic capacity) kereta uols? Bawah ni list engine CC and price for each CC.

CC	Comprehensive (RM)
1400	261.65
1650	292
2200	323.80
3050	355.50

• For example, if I nak renew my insurance. Kereta I Proton Saga Hatchback, 1.3cc. So base on above table, my cc below 1400cc. 
• Then I nak letak my car sum insured RM 10,000. 
•  Therefore, please see motor premium computation below

3. Next, everyone entitled for No Claim Discount (NCD). NCD meaning no claim has been made during such period.

No Claim	Discount
After 1 year	25%
After 2 year	30%
After 3 year	38 1/3%
After 4 year	45%
After 5 or more years	55%

• My gross premium sebelum tolak dgn NCD only RM 495.95
• Let say my NCD is maximum 55%. 
• So my premium after NCD is 
• RM 495.65 - (RM 495.65 x 55%) = RM 223.04

4. Then, kira berapa total seat kereta? Below are the list of seats.

Seat	RM
5	50
6	60
7	70
8	80

• Kereta Saga I ada 5 seats je. So RM 50.00
• Then, uols tambah the gross premium after NCD plus with RM 50.00
• Therefore, total premium:-

5. Last, total premium mention above ni before service tax (6%) + stamp duty (RM 10.00). Sila tambah sendiri. Ahaks ^_^
 

6. Done!

To Conclude

Macam I mention dekat atas, this is only for basic calculation for basic insurance coverage. Belum lagi kalau uols nak tambah extension like Flood, SRCC, LLOP, LLTP & Windscreen.

If uols still lagi tak faham penerangan aku panjang lebar ni, then I'm so sorry. Better call your insurance agent.

Lol :)

Japan, You are so Beautiful

Osaka Castle

Hi guys. It's been a while now. Agak surprise sebab bila dah lama tak berblog, ramai kata 'eh kari, kenapa tak update blog dah?'. Thank you to all readers out there. Ingatkan aku tulis ni macam syok sendiri. Ahaks ^_^

 

Tokyo Tower

Tokyo Skytree

By the way atas permintaan kawan aku, aku akan bercerita sikit tentang trip aku di Jepun. Kami pergi bertiga and setahun punya perancangan. Duit satu-satu halangan paling besar nak ke Jepun sebab Jepun makan, barang-barang, transportation and segala macam lagi memang mahal. Tapi disebabkan impian kami nak ke Jepun punya pasal, prinsip hidup bertukar 'duit boleh cari, experience priceless'

 Akhihabara

Meiji Shrine

Hampir RM 7,000 aku spent dekat sana including flight ticket (Air Asia), hotel, makan and transportation. Every month aku kumpul RM 700 dari duit gaji and memang sakit and terasa sangat bila dapat gaji aku kena put aside duit nak ke Jepun. Tapi bila dah sampai sana, SANGAT-SANGAT WORTH IT.

Universal Studio Japan

Umeda Sky Building

 

Osaka City

 

Kalau sesiapa nak pergi Jepun, aku advise kan sila! Sebab memang best. Travel dengan kawan-kawan or honeymoon pun best sebab kat sana banyak landmark and point of attraction for tourist. Apa aku boleh advise is;

• Bawak duit lebih (RM 7,000 more than enough)
• Beli tiket bullet train (RM 900 seminggu) sebab train dekat sana boleh pakai dari utara ke selatan. Macam uols naik KTM / Ampang Line / Kelana Jaya Line. Tapi train dia boleh pergi seluruh Jepun.
• Fly ke Osaka dulu then baru ke Tokyo sebab flight ke Osaka lebih murah dari Tokyo. And lagi cepat sampai. Saving sikit masa and duit.
• Jangan berkira duit. Apa yang jumpa and terniat nak beli, sila beli macam aku. Lol!
• Jangan bila nak beli barang kau convert ke duit Malaysia. Memang takkan beli.
• Bawak camera paling stylo sekali. And kalau pergi dengan kawan-kawan, pastikan sama-sama merasa penat bawak camera ke hulu ke hilir. Jangan bagi sorang je yang bawak tapi gambar dia nak lebih. Oppss.

Mt Fuji

Seminggu dekat Jepun, kami just mampu lawat 3 negeri. Tokyo, Mt. Fuji, Osaka and Kyoto. Bagi aku Tokyo bandar yang moden. Ala-ala KL gitu. Tapi lagi power dari segi barang elektronik dia, bangunan, orang sekeliling and tempat shopping yang tip top. Aku sumpah time dekat sana tak boleh kawan nafsu shopping. Siap boleh beli Xbox 360 dekat sana lagi. Gila apa. 

Osaka pulak more to macam bandar baru nak up tapi moden jugak. Mt Fuji memang kampung. Orang dekat sana semua baik. Walaupun bila kita cakap dia tak faham and dia cakap kita tak faham tapi dia still cuba nak explain dekat kami sampai kami faham. Kalau orang Malaysia dah blah malas nak layan dah.

 

Fushimi Inari-Taisha, Kyoto

Sebenarnya, aku still lagi tak boleh move on pasal Jepun. Sebab Jepun bagi aku sangat unik and sangat best. Setiap tempat aku pergi semua best. Aku bukan exaggerate tapi cuba pergi sekali, sure tak boleh move on macam aku.

Sekian,

Thank you Japan. We miss you.