{"id":6183,"date":"2018-08-14T21:22:51","date_gmt":"2018-08-14T13:22:51","guid":{"rendered":"http:\/\/alexchanglaw.com\/?p=6183"},"modified":"2021-06-28T20:20:53","modified_gmt":"2021-06-28T12:20:53","slug":"tiga-cara-insurans-peribadi-kereta-akan-mengosongkan-dompet-anda","status":"publish","type":"post","link":"https:\/\/alexchanglaw.com\/index.php\/tiga-cara-insurans-peribadi-kereta-akan-mengosongkan-dompet-anda\/","title":{"rendered":"Tiga Cara Insurans Peribadi Kereta akan Mengosongkan Dompet Anda"},"content":{"rendered":"

Tiga Cara Insurans Peribadi Kereta akan Mengosongkan Dompet Anda<\/u><\/strong><\/h3>\n
3 Ways\u00a0Your Private Car Insurance\u00a0Will Burn a Hole in Your Pocket<\/strong><\/a><\/h6>\n
English Version<\/a><\/h5>\n

\u4e2d\u6587\u7248<\/a><\/p>\n

Di Malaysia, membeli kereta adalah simbolik sebagai tanda berdikari dan kedewasaan dalam kehidupan kebanyakan daripada kita. Namun begitu, tahukah anda, sejauh manakah perlindungan yang polisi insurans peribadi kereta standard anda berikan dan apakah yang tidak termasuk dalam perlindungan mereka?<\/h5>\n
In\u00a0 Malaysia buying a car serves as a mark of independence and adulthood in most of our lives.\u00a0 However, do you know\u00a0 what is the extent of coverage that your standard private car insurance policy provides and what it does not cover?<\/em><\/h6>\n
\"\"<\/a>Apakah yang TIDAK termasuk dalam Perlindungan Insurans Peribadi Kereta Standard.<\/h5>\n
1 \u00a0\u00a0 \u00a0Terdapat banyak contoh keadaan dimana syarikat insurans akan menafikan liabilti, dan ada yang menggelar diri mereka \u201cSpecial Perils<\/em>\u201d yang termasuklah banjir, taufan, ribut, letusan gunung berapi, gempa bumi, tanah runtuh, gelinciran tanah, penenggelaman, atau bencana alam lain.<\/h5>\n
\u00a02 \u00a0\u00a0 Tambahan lagi, polisi generik tidak meliputi kehilangan atau kerosakan disebabkan oleh rusuhan, mogok, kekecohan awam, dan juga Liabiliti Undang-undang kepada penumpang.<\/h5>\n
What your\u00a0 Standard Private Car Insurance Policy WILL NOT Cover.<\/em><\/h6>\n
1 \u00a0\u00a0 \u00a0There are many instances that the insurance company will deny liability, and some of them\u00a0 are\u00a0 called\u00a0 \u201cSpecial Perils\u201d, which includes flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence, or other convulsion of nature.<\/em><\/h6>\n
2 \u00a0\u00a0 \u00a0Furthermore, the generic Policy does not cover loss or damage caused by riot, strike,\u00a0 civil commotion,\u00a0 and also Legal Liability to Passengers.<\/em><\/h6>\n
2.1 Untuk pemahaman yang lebih mendalam tentang pengiraan, kami akan menggunakan contoh insurans motokar bagi kereta Toyota Avanza, kereta 7 tempat duduk dengan kapasiti enjin 1,496 cc, dan diinsuranskan pada jumlah RM70,000.<\/h5>\n
For better understanding of the calculations herein, we\u00a0 shall use the example of\u00a0 a\u00a0 motor car insurance for a Toyota Avanza, a 7-seater car with an\u00a0 engine capacity\u00a0 1,496 cc, and insured at a sum of RM70,000.<\/em><\/h6>\n

Banjir, Ribut dan Angin Ribut.<\/span><\/h3>\n
3 \u00a0\u00a0 \u00a0 Melalui senarai \u201cspecial perils<\/em>\u201d seperti yang dinyatakan di atas, seseorang pastinya akan tertanya-tanya, \u201cAdakah<\/h5>\n
\"Flood<\/a>
Flood submerging an entire village<\/figcaption><\/figure>\n
saya akan dilindungi jika kereta saya terkandas dalam banjir?\u201d Jawapannya adalah Tidak.<\/h5>\n
Flood, Storm, and Tempest<\/em><\/h6>\n
3 \u00a0\u00a0 \u00a0Going through the list of special perils as stated above, one cannot help but wonder \u201cWould I be covered if my car is stuck in a flood?\u201d\u00a0\u00a0 The answer to that is No.<\/em><\/h6>\n

\u00a0<\/em><\/p>\n

4 \u00a0\u00a0 \u00a0Polisi biasa anda tidak melindungi untuk bayaran kerosakan mekanikal, kegagalan enjin atau kerosakan lain yang disebabkan oleh air banjir memasuki bahagian dalaman kereta anda.<\/h5>\n
\u00a0Your common Policy does not cover for the payment of any<\/em><\/h6>\n
mechanical breakdowns, engine failure \u00a0or other damages that are caused by flood water entering the interiors of your car.<\/em><\/h6>\n
4.1 Salah satu daripada klien kami terpaksa menggantikan enjin kereta Kelas C nya, selepas keretanya terlibat dalam banjir kilat di Bandar, kos penggantian enjin adalah sebanyak USD20,000 (RM80,000).<\/em><\/h5>\n
4.1 \u00a0One of our clients had to replace the engine of his C Class, after his car was hit by flash flood in the City, \u00a0the replacement cost for the engine \u00a0was a whopping USD20,000 (RM80,000).<\/em><\/h6>\n

Endorsmen untuk Banjir<\/span><\/h3>\n
\"\"<\/a>
Car submerged in a flood<\/figcaption><\/figure>\n
5 \u00a0\u00a0 Anda mempunyai pilihan untuk menambah polisi anda dengan bayaran premium tambahan dengan endorsmen banjir, rebut, taufan dan angin ribut.<\/h5>\n
\u00a05.1 \u00a0\u00a0 \u00a0Endorsmen secara asasnya adalah perlindungan tambahan yang anda boleh langgan bersama dengan polisi asal berserta dengan yuran.<\/h5>\n
5 \u00a0\u00a0 \u00a0You\u00a0 have the option to supplement your policy by the payment of an additional premium\u00a0 with a flood, storm, hurricane, and tempest Endorsement.<\/em><\/h6>\n
5.1 \u00a0\u00a0 \u00a0An endorsement is basically an additional coverage that you may\u00a0 subscribe together with the original Policy with a fee.<\/em><\/h6>\n
5.2 \u00a0\u00a0 \u00a0Bagi endorsmen untuk \u201cSpecial Perils\u201d, tambahan premium yang diperlukan adalah 0.5% daripada nilai kereta itu.
\n5.2.1 \u00a0\u00a0 \u00a0Contohnya, pengiraan bagi kereta dengan insurans berjumlah RM70,000 adalah seperti berikut:
\n0.5% x RM 70,0000.00 = RM 350.00<\/h5>\n
\u00a0For the Endorsement for Special Perils, the additional\u00a0 premium\u00a0 required\u00a0 is 0.5% of the value of the car.<\/em>
\n5.2.1 \u00a0\u00a0 \u00a0For example, the calculation for a car with a sum insured of RM70,000 is as follows:
\n0.5% x RM 70,0000.00 = RM 350.00<\/em><\/h6>\n

Rusuhan, Mogok dan Kekecohan Awam<\/span><\/h3>\n
6 \u00a0\u00a0\u00a0 Melihat kepada keadaan semasa, rusuhan dan kekacauan orang awam sudah menjadi perkara biasa di serata dunia.<\/h5>\n
6.1 \u00a0\u00a0 \u00a0Polisi generik tidak melindungi kerosakan yang terkena kereta anda akibat daripada tindakan ganas, atau sebarang gangguan keamanan awam.<\/h5>\n
Riot, Strike, and Civil Commotion (RSCC)<\/em><\/h6>\n
6 \u00a0\u00a0\u00a0 \u00a0In view of the current events, riots and other public disturbances are\u00a0\u00a0\u00a0 becoming\u00a0 a common issue worldwide.<\/em><\/h6>\n
6.1 \u00a0\u00a0 \u00a0The generic Policy does not cover for damages inflicted upon your car\u00a0 consequence to a violent act, or any disturbance of the public peace.<\/em><\/h6>\n

\u00a0<\/em><\/p>\n

Endorsmen untuk Rusuhan, Mogok dan Kekecohan Awam<\/h3>\n
7 \u00a0\u00a0 \u00a0Untuk mengelakkan diri daripada binasa akibat perkara seperti itu, melanggan endorsmen yang menyediakan perlindungan kepada rusuhan, mogok dan kekecohan awam adalah bermanfaat kerana ia secara spesifik melindungi seperti berikut:<\/h5>\n
To avoid being devastated by such events,\u00a0 subscribing to the endorsement providing protection against riots, strikes, and civil commotions\u00a0 will be beneficial\u00a0 as it specifically covers the following:<\/em><\/h6>\n
7.1 \u00a0\u00a0 \u00a0Tindakan seseorang menyertai mana-mana gangguan keamanan awam atau tindakan pihak berkuasa yang sah yang dilakukan dalam menindas atau meminimumkan gangguan tersebut; dan<\/h5>\n
7.1 \u00a0\u00a0 \u00a0The act of any person taking part in any disturbance of the public peace or the acts of a lawful authority done in suppressing or minimizing the said disturbance;\u00a0 and<\/em><\/h6>\n
\u00a07.2 \u00a0\u00a0 \u00a0Tindakan rela mana-mana pemogok atau pekerja yang dilakukan dalam demonstrasi mogok atau rintangan kepada mana-mana penguncian premis, atau tindakan mana-mana pihak berkuasa \u00a0yang sah yang dilakukan dalam menindas atau meminimumkan akibat tindakan pekerja-pekerja itu.<\/h5>\n
The wilful act of any striker or worker done in demonstration of a strike or resistance to any lockout from the working premises, or the acts of any lawful authority done to suppress or minimize the consequences of the worker\u2019s acts.<\/em><\/h6>\n
7.3 \u00a0\u00a0 \u00a0Untuk mendapatkan Endorsmen bagi Rusuhan, Mogok dan Kekacauan, seseorang hendaklah membayar premium 0.3% daripada jumlah yang diansurans. .
\n7.3.1 \u00a0\u00a0 \u00a0Sebagai contoh, pengiraan bagi premium tambahan Toyota Avanza dengan jumlah insurans pada\u00a0 RM 70,000.00 adalah seperti berikut:
\n0.3% x RM 70,000.00 = RM 210.00<\/h5>\n
To obtain the\u00a0 Endorsement for RSCC, one has to pay a premium of\u00a0 0.3% of the sum assured.<\/em>
\n7.3.1 \u00a0\u00a0 \u00a0For example, the calculation for the additional\u00a0 premium for\u00a0 a Toyota Avanza with a sum insured\u00a0\u00a0 at\u00a0 RM 70,000.00 is as follows:
\n0.3% x RM 70,000.00 = RM 210.00<\/em><\/h6>\n

Liabiliti Undang-Undang kepada Penumpang (LLP)<\/span><\/h3>\n
8 \u00a0\u00a0 \u00a0Polisi generik mempunyai klausa tentang Pengecualian Liabiliti Undang-Undang kepada Penumpang (\u201cLLP\u201d). Penanggung insurans tidak akan melindungi anda untuk apa-apa kecederaan dialami oleh penumpang.<\/h5>\n
The\u00a0 generic Policy\u00a0\u00a0\u00a0 has a clause on the Exclusion of Legal Liabilities to\u00a0 Passengers (\u201cLLP\u201d).\u00a0\u00a0\u00a0 The insurer\u00a0\u00a0 will not cover you\u00a0\u00a0 for any\u00a0 injury sustained by the\u00a0 passengers.<\/em><\/h6>\n

Endorsmen untuk Liabiliti Undang-Undang kepada Penumpang<\/h3>\n

9 \u00a0\u00a0 \u00a0Anda boleh memilih untuk memanjangkan perlindungan dengan mengalihkan\u00a0 LLP sedia ada (Endorsmen 100) dengan yuran, kemudian, Penanggung Insurans akan melindungi anda dengan\u00a0 sedikit pengecualian seperti yang tertera<\/h5>\n
\"\"<\/a>
A lady injured in an accident<\/figcaption><\/figure>\n
dibawah.<\/h5>\n
You\u00a0 can\u00a0 choose to extend the cover by removing the existing LLP clause (Endorsement\u00a0 100)\u00a0 for a fee, then,\u00a0 the Insurers will\u00a0 cover you with some exceptions \u00a0as stated herein.<\/em><\/h6>\n
9.1 \u00a0\u00a0 \u00a0Premium untuk Endorsmen LLP adalah 25% daripada Premium Pihak Ketiga dimana RM 10.00 ditambah untuk setiap kerusi yang melebihi 5 kerusi.<\/h5>\n
\u00a0\u00a0The premium for LLP endorsement is 25% of the Third Party Premium whereby RM 10.00 is added for every seat that is in excess of five seats.<\/em><\/h6>\n
9.2 \u00a0\u00a0 \u00a0Sebagai contoh, bagi Toyota Avanza, dengan jumlah insurans sebanyak RM70,000\u00a0 Premium Pihak Ketiga adalah dianggarkan sebanyak RM 168.75.OIeh itu, pengiraan bagi Endorsmen LLP adalah seperti berikut:
\n25% x RM 168.75 =RM 42.19
\nRM42.19+ RM20.00 (untuk dua kerusi tambahan) = RM 62.19<\/h5>\n
\u00a0Premium is estimated to be RM 168.75. Therefore, the calculation for the LLP Endorsement is as follows:
\n25% x RM 168.75 =RM 42.19
\nRM42.19+ RM20.00 (for the additional two seats) = RM 62.19<\/em><\/h6>\n
10 \u00a0\u00a0 \u00a0Syarikat Insurans TIDAK AKAN membayar untuk apa-apa kecedaraan atau kematian penumpang yang;
\n10.1 \u00a0\u00a0 \u00a0membayar untuk perjalanan itu;\u00a0 atau
\n10.2 \u00a0\u00a0 \u00a0pekerja anda;\u00a0 atau
\n10.3 \u00a0\u00a0 \u00a0ahli keluarga anda,yang sedang dalam perjalanan santai.<\/h5>\n
10 \u00a0\u00a0 \u00a0The\u00a0 Insurers\u00a0 WILL NOT pay for any bodily injury or death of a passenger who is:<\/em>
\n10.1 \u00a0\u00a0 \u00a0paying for the ride;\u00a0 or
\n10.2 \u00a0\u00a0 \u00a0your employee;\u00a0 or
\n10.3 \u00a0\u00a0 \u00a0your family member, transported in the course of a\u00a0 leisurely travel .<\/em><\/h6>\n
11 \u00a0\u00a0 \u00a0Dalam kes Union Insurance Co. v Chan You Young [1995] 4 CLJ 92, diputuskan di Mahkamah Rayuan di Malaysia,\u00a0 isteri kepada orang yang dilindungi insurans boleh menuntut Union Insurance Co.\u00a0\u00a0\u00a0 kerana pada masa kemalangan, dia sedang dipandu kerana hendak pergi ke tempat kerja dan bukannya untuk perjalanan santai.<\/h5>\n
11 \u00a0\u00a0 \u00a0In the case Union Insurance Co. v Chan You Young [1995] 4 CLJ 92, decided by the Court of Appeal of Malaysia,\u00a0 the wife of the Insured\u00a0 was\u00a0 able\u00a0 to claim from Union Insurance Co.\u00a0\u00a0\u00a0 as at the time of accident, she was being driven because she was heading to work instead of being on\u00a0\u00a0 leisurely travel.<\/em><\/h6>\n
Kenderaan Masuk Singapura
\n12 \u00a0\u00a0\u00a0 Satu lagi perkara yang perlu diambil tahu adalah, jika anda bercadang untuk memandu ke Singapura dengan kenderaan anda, anda perlu mempunyai Endorsmen LLP kerana ia diwajibkan di Singapura.<\/h5>\n
12 \u00a0\u00a0\u00a0 \u00a0Another\u00a0 point to note is that,\u00a0 if\u00a0 you are planning to drive to Singapore with your vehicle, you are required to have the\u00a0 Endorsement for LLP as it is compulsory\u00a0 in Singapore.<\/em><\/h6>\n
Penafian Data dan Maklumat (Disclaimer)<\/h5>\n
13 \u00a0\u00a0 \u00a0Artikel ini adalah sebahagian daripada usaha Tanggungjawab Korporat Sosial (CSR) Alex Chang & Co<\/a>. untuk berkongsi pendapat<\/a> tentang undang-undang<\/a>. Sila rujuk penasihat undang-undang anda dan broker insurans anda untuk keperluan spesifik.<\/h5>\n
\u00a0This\u00a0 article is a part of\u00a0<\/em>Alex Chang & Co\u2019s<\/em><\/a>\u00a0Corporate Social Responsibility\u00a0\u00a0 effort to share\u00a0<\/em>our thoughts<\/em><\/a>\u00a0 on some\u00a0\u00a0<\/em>legal matters<\/em><\/a>.\u00a0 Please\u00a0 consult your legal advisors and\/or your insurance brokers\u00a0 on your specific needs.<\/em><\/h6>\n

\u00a0<\/em><\/p>\n

13.1 \u00a0\u00a0 \u00a0Hakcipta Terpelihara. Walau bagaimanapun, anda boleh berkongsi pautan kepada laman ini.<\/h5>\n
Contoh Pengiraan<\/h5>\n

Iman Izzati Azhari<\/a><\/p>\n

\"Iman<\/a>
Iman Izzati Azhari<\/figcaption><\/figure>\n
<\/h5>\n
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\u201cThe Malay Version is a translation to the best efforts and if there is a conflict between the translation and the English version, please refer to the English version.\u201d<\/em><\/h5>\n
\u201cVersi Bahasa Melayu ini adalah usaha terbaik kami untuk menterjemah. Jika ada konflik di antara terjemahan Bahasa Melayu dengan versi Bahasa Inggeris, sila rujuk versi Bahasa Inggeris.\u201d<\/em><\/h5>\n
Translation by Khairunnisa
\nAmended by Alicia, Yugi
\nCross checked by Jessie<\/em><\/h5>\n","protected":false},"excerpt":{"rendered":"

Tiga Cara Insurans Peribadi Kereta akan Mengosongkan Dompet Anda 3 Ways\u00a0Your Private Car Insurance\u00a0Will Burn a Hole in Your Pocket English Version \u4e2d\u6587\u7248 Di Malaysia, membeli kereta adalah simbolik sebagai tanda berdikari dan kedewasaan dalam kehidupan kebanyakan daripada kita. Namun begitu, tahukah anda, sejauh manakah perlindungan yang polisi insurans peribadi kereta standard anda berikan dan […]<\/p>\n","protected":false},"author":1805,"featured_media":3324,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[80],"tags":[81],"_links":{"self":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts\/6183"}],"collection":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/users\/1805"}],"replies":[{"embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/comments?post=6183"}],"version-history":[{"count":4,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts\/6183\/revisions"}],"predecessor-version":[{"id":9576,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts\/6183\/revisions\/9576"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/media\/3324"}],"wp:attachment":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/media?parent=6183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/categories?post=6183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/tags?post=6183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}