Renew Roadtax?

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8 years 4 months ago #8220 by khibrahi
Replied by khibrahi on topic Renew Roadtax?
Bagi yg pinjam loan, pastikan insurance 2 bleh cover byr bank jika kete hilang. Bleh tanya kat bank kalu bayar habis bape kena byr. 2 lah harga minimum untuk insurance. Saranan aku lah kn.

Kalu wat terus dengan insurance co, x melalui agen, mmg bleh dpt diskaun 10% drpd jmlh kena byr. Ini mmg arahan bank negara. Base ye aku wat insurance kat kaunter di insurance punye HQ.Kalu malas kol aje toll free insurance. Bleh byr melalui phone. Dua2 nie bleh dpt 10% diskaun 2.

Kalu yg kol 2 untuk barui insurance 2 base ye agen gak. Xdpt la diskaun. Myeg pun consider agen. 2 sbb ye dia x tawar 10% diskaun 2. Dia hnya bagi free pos untuk roadtax kalu ambk insurance n roadtax dgn dia skali. Kalu ambk roadtax aje rasa ye kena byr $9 untuk pos.


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8 years 4 months ago #8221 by Zap_AMSE
Replied by Zap_AMSE on topic Renew Roadtax?

khibrahi wrote: Bagi yg pinjam loan, pastikan insurance 2 bleh cover byr bank jika kete hilang. Bleh tanya kat bank kalu bayar habis bape kena byr. 2 lah harga minimum untuk insurance. Saranan aku lah kn.

tp bukan insuran x cover 100% ker...
contoh biasa aku dgr insuran just cover 80%... so klu cover rm10k insuran just bayar rm8k jer...

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8 years 4 months ago #8225 by khibrahi
Replied by khibrahi on topic Renew Roadtax?
Xtau la psal nie. Nanti aku tanya kat sedara yg keje kat insurance nie.
Tapi ape yg aku tau insurance byr ikut harga semasa ketika kete hilang. Jika kita ambk insurance 45K, tapi masa ilang 2, harga semasa dia 41K, jd insurance byr 41K aje lah. Kalu kita insure 40K, jadi insurance byr 40K aje.
Nanti aku confirm n habaq kat sini.
Kalu total lost, rasa ye dia cover 100%. Bleh tengok dlm insurance punye note. Semua ade tulis dlm 2, cuma kita jrg baca aje. Kalu xslh aku dlm note 2 ade jgk kata utk 1st party insurance, kita juga ade cover 3rd party injury smpai 3mil.


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8 years 4 months ago #8227 by Zap_AMSE
Replied by Zap_AMSE on topic Renew Roadtax?

khibrahi wrote: Xtau la psal nie. Nanti aku tanya kat sedara yg keje kat insurance nie.
Tapi ape yg aku tau insurance byr ikut harga semasa ketika kete hilang. Jika kita ambk insurance 45K, tapi masa ilang 2, harga semasa dia 41K, jd insurance byr 41K aje lah. Kalu kita insure 40K, jadi insurance byr 40K aje.
Nanti aku confirm n habaq kat sini.
Kalu total lost, rasa ye dia cover 100%. Bleh tengok dlm insurance punye note. Semua ade tulis dlm 2, cuma kita jrg baca aje. Kalu xslh aku dlm note 2 ade jgk kata utk 1st party insurance, kita juga ade cover 3rd party injury smpai 3mil.


terbaik....

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8 years 4 months ago #8234 by zactera
Replied by zactera on topic Renew Roadtax?

Zap_AMSE wrote: klu tak silap kiraan isuran mcm ni...
1k pertama = rm261.50 (klu x silap)
1k berikut nyer = rm26

so klu cover rm 45k = rm261.50 + (44 x 26) = rm1405.50
tu harga insuran penuh...

agen insuran nyer gaji 10%... klu yg bagi diskaun tu sbnr nyer dia just nak target sale jer ikut yg aku tau...
so korg leh kira sendiri la base pada NCD masing2...

insuran tambahan yg biasa aku amik
windscreen rm90 cover smpi rm600
insuran masuk singapore (sbb kete aku kdg2 masuk singapore) rm23.50. klu x beli insuran ni aper2 jd kat singapore insuran tak cover...


so klu cover rm 45k = rm261.50 + (44 x 26) = rm1405.50+windscreen rm90=rm1495.50 dh tolak 10% ke?

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8 years 4 months ago #8235 by zactera
Replied by zactera on topic Renew Roadtax?

khibrahi wrote: Bagi yg pinjam loan, pastikan insurance 2 bleh cover byr bank jika kete hilang. Bleh tanya kat bank kalu bayar habis bape kena byr. 2 lah harga minimum untuk insurance. Saranan aku lah kn.

Kalu wat terus dengan insurance co, x melalui agen, mmg bleh dpt diskaun 10% drpd jmlh kena byr. Ini mmg arahan bank negara. Base ye aku wat insurance kat kaunter di insurance punye HQ.Kalu malas kol aje toll free insurance. Bleh byr melalui phone. Dua2 nie bleh dpt 10% diskaun 2.

Kalu yg kol 2 untuk barui insurance 2 base ye agen gak. Xdpt la diskaun. Myeg pun consider agen. 2 sbb ye dia x tawar 10% diskaun 2. Dia hnya bagi free pos untuk roadtax kalu ambk insurance n roadtax dgn dia skali. Kalu ambk roadtax aje rasa ye kena byr $9 untuk pos.



insurance punye HQ>>>kt mana ni bro takaful hq ke?

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8 years 4 months ago #8236 by zactera
Replied by zactera on topic Renew Roadtax?

khibrahi wrote: Xtau la psal nie. Nanti aku tanya kat sedara yg keje kat insurance nie.
Tapi ape yg aku tau insurance byr ikut harga semasa ketika kete hilang. Jika kita ambk insurance 45K, tapi masa ilang 2, harga semasa dia 41K, jd insurance byr 41K aje lah. Kalu kita insure 40K, jadi insurance byr 40K aje.
Nanti aku confirm n habaq kat sini.
Kalu total lost, rasa ye dia cover 100%. Bleh tengok dlm insurance punye note. Semua ade tulis dlm 2, cuma kita jrg baca aje. Kalu xslh aku dlm note 2 ade jgk kata utk 1st party insurance, kita juga ade cover 3rd party injury smpai 3mil.



try usha tanya bro...nk renew roadtax dh ni tpi blm tau mcm ne nk bt sendiri...... :whistle:

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8 years 4 months ago #8237 by SLeePiNG-PiSToN
Replied by SLeePiNG-PiSToN on topic Renew Roadtax?
cara paling senang pakai myEG bro..bukak web..x faham call tanya diorg nanti diorg guide 1 per 1...anyway terima kasih pada khibrahi bg info2 yg berguna pada kita...

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“Sesungguhnya Allah S.W.T tidak memandang kepada rupa paras dan harta benda kamu tetapi Allah hanya memandang kepada niat hati dan amalan-amalan kamu.”

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8 years 4 months ago #8336 by khibrahi
Replied by khibrahi on topic Renew Roadtax?
Dah check the covernote. Mmg dia byr full market value untuk total loss.
Untuk 3rd party injury, unlimited. 3rd party properties - smpai 3mil.

Tapi utk bnjr, kilat, bencana alam dia xcover. Sama gak dgn sbb riot, perhimpunan haram.
Nie bleh ambk separate cover, yg sma mcm cermin, xkacau NCD.

Kalu kena repair dia akan pakai ori punye part.
Tapi selepas 5 thn, dia bleh guna part dr 3rd party yg mana lbh murah. Lagi satu dia ade kiraan yg mana kita kena byr tmbhn utk repair. Yg nie aku xbape phm mcm mn kiraan dia. Nie memang utk semua insurance.


zactera - (1405.50 - NCD)+90=Total - 10%. So kalu NCD 25%,
1405.5-25%=1054.13
1054.13 + 90 = 1144.13
1144.13-10%=1029.72
So kena byr $1029.72.

Takaful mana satu bro.Etiqa, Ikhlas?


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8 years 4 months ago #8342 by zactera
Replied by zactera on topic Renew Roadtax?

khibrahi wrote: Dah check the covernote. Mmg dia byr full market value untuk total loss.
Untuk 3rd party injury, unlimited. 3rd party properties - smpai 3mil.

Tapi utk bnjr, kilat, bencana alam dia xcover. Sama gak dgn sbb riot, perhimpunan haram.
Nie bleh ambk separate cover, yg sma mcm cermin, xkacau NCD.

Kalu kena repair dia akan pakai ori punye part.
Tapi selepas 5 thn, dia bleh guna part dr 3rd party yg mana lbh murah. Lagi satu dia ade kiraan yg mana kita kena byr tmbhn utk repair. Yg nie aku xbape phm mcm mn kiraan dia. Nie memang utk semua insurance.


zactera - (1405.50 - NCD)+90=Total - 10%. So kalu NCD 25%,
1405.5-25%=1054.13
1054.13 + 90 = 1144.13
1144.13-10%=1029.72
So kena byr $1029.72.

Takaful mana satu bro.Etiqa, Ikhlas?



terima kasih atas info bro....

takaful Etiqa...

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8 years 4 months ago #8349 by khibrahi
Replied by khibrahi on topic Renew Roadtax?
Etiqa Takaful HQ dia dkt dataran Maybank, Bangsar.

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8 years 4 months ago #8350 by SLeePiNG-PiSToN
Replied by SLeePiNG-PiSToN on topic Renew Roadtax?

khibrahi wrote: Dah check the covernote. Mmg dia byr full market value untuk total loss.
Untuk 3rd party injury, unlimited. 3rd party properties - smpai 3mil.

Tapi utk bnjr, kilat, bencana alam dia xcover. Sama gak dgn sbb riot, perhimpunan haram.
Nie bleh ambk separate cover, yg sma mcm cermin, xkacau NCD.

Kalu kena repair dia akan pakai ori punye part.
Tapi selepas 5 thn, dia bleh guna part dr 3rd party yg mana lbh murah. Lagi satu dia ade kiraan yg mana kita kena byr tmbhn utk repair. Yg nie aku xbape phm mcm mn kiraan dia. Nie memang utk semua insurance.


zactera - (1405.50 - NCD)+90=Total - 10%. So kalu NCD 25%,
1405.5-25%=1054.13
1054.13 + 90 = 1144.13
1144.13-10%=1029.72
So kena byr $1029.72.

Takaful mana satu bro.Etiqa, Ikhlas?



info yg sgt berguna :)

PE868 - Proton White


“Sesungguhnya Allah S.W.T tidak memandang kepada rupa paras dan harta benda kamu tetapi Allah hanya memandang kepada niat hati dan amalan-amalan kamu.”
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