hi all,

i need some advise. i want to renew my insurance.. i own a 1.3 myvi ezi manufactured in 2007. previously i was insured by kurnia. tomorrow my road tax will expired. i did check with myeg.com.my and interested to renew online. unfortunately they did not provide services from kurnia. so i thought, i just need to change to takaful. after spoke to the person in charge, they quote my insurance for rm36k. but it sounds too low for me. i ring the kurnia insurance agent, and he quoted for 40k. my question is:-

1. any disadvantages should i expect by changing to another insurer?
2. why the was a 4k gap between those two insurer?

thanks in advance..

if u insured RM40k, definitely u have to pay more for the RM36k insurance...
u can request kurnia to insure RM40k if u they allowed to...
hence it depend on the people to justify your current car value...
normal lo... myvi only mah... 
SE (auto) = EZi, no doubt...

the insurance amount u paid = the total amount you covered for ur car... if upgrade from premium to SE, total we have to top up was RM3700... but insurance wont cover the RM3700... your SE will cover as premium's value...

that totally is a trap..assume market value for my SE is 49k.i covered for 49k.Insurance company still accept the coverage but (touch wood) when come to claim. it will depends on the market value for the make again. the make is EZI instead of SE. so, they will take 47k instead of 49k. then, what is the point im paying extra money to cover more?what a such stupid rules..

Maybe different insurance company have different calculation.
Well, as i know my insurance when come to claim will take the market value instead of amount i covered.
May i know which insurance company u mentioned above are using sum assure at the 1st place when come to claim?

Actually what im understand. Insurance always give out 100% claims but 100% which is the market value.
But when come to us, our expectation are always insurance company only pay us 90% which we always calculate from our insurance amount we covered.

Hence, my case here. im myVI SE owner and actually JPJ not categorize this is a new make and it remain to EZI.
So, if this case. when come to claim for myvi SE and myvi EZI and the amount should be same.

Do you agree?