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 :)
