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 -+♦+-LYN Proton Persona Owners Club V30-+♦+-, Let's celebrate the Year of the Dragon!!

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K.Lee
post Jan 27 2012, 06:25 PM

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QUOTE(dannyw @ Jan 27 2012, 06:21 PM)
Thx for your reply. Really appreciate it.  notworthy.gif

I only take 3 years loan, so my outstanding just about 25K+, so mean I can insured any amount higher than this, right?
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Best is to check with agent.
Based on common sense, insurance company will not insured your car more than 25k plus I think.
Coz this might open window for you know what whistling.gif

abong8
post Jan 27 2012, 06:29 PM

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QUOTE(kiatsim86 @ Jan 27 2012, 06:24 PM)
the four large words is yong seng confectionery sdn bhd... the 2 small words in oval i cant really read... but yong seng damn big shot in muar yo... sam can justify tat.
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Thanks bro.. I tot its the name of the biscuits inside..
spikey2506
post Jan 27 2012, 06:30 PM

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QUOTE(dannyw @ Jan 27 2012, 05:56 PM)
Thanks for the reply. What you mean is the insured amount is about the same as outstanding amount?

And can we opt for other Insurance Company? or must stick with the one bank use?
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QUOTE(K.Lee @ Jan 27 2012, 06:15 PM)
Not really ooutstanding amount, normally is the full settlement amount. Coz out standing amount will include interest, so it will be more.
Also I think, the insurance company will have a guideline like the maximum amount you can insure for the car.
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Yup, precisely. Full settlement amount will minus the interest,each bank has their own mechanism to calculate how much rebate to give for full settlement. For basic calculation, you can use this calculator.

http://www.autoworld.com.my/v2/tools/loan_settlement.asp
dannyw
post Jan 27 2012, 06:30 PM

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QUOTE(K.Lee @ Jan 27 2012, 06:25 PM)
Best is to check with agent.
Based on common sense, insurance company will not insured your car more than 25k plus I think.
Coz this might open window for you know what whistling.gif
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Ya ya. biggrin.gif
Thx thx.
K.Lee
post Jan 27 2012, 06:31 PM

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QUOTE(kiatsim86 @ Jan 27 2012, 06:24 PM)
the four large words is yong seng confectionery sdn bhd... the 2 small words in oval i cant really read... but yong seng damn big shot in muar yo... sam can justify tat.
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Proven my Chinese left quarter Bucket only... sweat.gif
dannyw
post Jan 27 2012, 06:34 PM

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QUOTE(K.Lee @ Jan 27 2012, 06:25 PM)
Best is to check with agent.
Based on common sense, insurance company will not insured your car more than 25k plus I think.
Coz this might open window for you know what whistling.gif
*
At 1st, i was trying to avoid Insurance Agent, as can get 10% less if without agent. hmm.gif
SUSVincentChen
post Jan 27 2012, 06:34 PM

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QUOTE(Fubar20 @ Jan 27 2012, 06:02 PM)
How long the fan start spinning? If for few minutes then it is normal.
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i dont know how long is it, i heard the sound i straight start engine, wait a while, and off the engine, the sound gone

QUOTE(K.Lee @ Jan 27 2012, 06:08 PM)
Your right foot heavy rev straight away after collecting car? brows.gif
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QUOTE(abong8 @ Jan 27 2012, 06:16 PM)
Damn syiok aa revving a new car.. Your car must be damn hot when u reached home..
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i no rev a, not even pass 4k rpm.... im so worry now lol, im a newbie to car, so i dunno what happen....
K.Lee
post Jan 27 2012, 06:37 PM

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QUOTE(dannyw @ Jan 27 2012, 06:34 PM)
At 1st, i was trying to avoid Insurance Agent, as can get 10% less if without agent. hmm.gif
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Go to the company directly also can. They can do the rest for you also. Nowadays I think few of the insurance company allows online renewal.

Etiqa confirm got online. Just saw the other day. Just need to fill up form and payvia visa or master and fpx also if not mistaken
kiatsim86
post Jan 27 2012, 06:48 PM

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QUOTE(K.Lee @ Jan 27 2012, 06:31 PM)
Proven my Chinese left quarter Bucket only... sweat.gif
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relax klee... get a PRC as ur bang mate then u will get back ur mandarin in no time
abong8
post Jan 27 2012, 07:00 PM

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QUOTE(kiatsim86 @ Jan 27 2012, 06:48 PM)
relax klee... get a PRC as ur bang mate then u will get back ur mandarin in no time
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And that congguo moi will sembelih and suck your blood dry..
ZenGTMM
post Jan 27 2012, 07:05 PM

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QUOTE(zapdos9 @ Jan 27 2012, 03:37 AM)
Well. some ppl just doesn't want to risk on the motor or the hinge. Saw 1 of my friend before with motor spoil. Don't even bother to put it back in anymore already.
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I dont mind.. So far the Pioneer unit my neighbour has been using hvnt spoilt yet after 5years..

QUOTE(Cavino @ Jan 27 2012, 11:34 AM)
Mm...any side effect from using LCP? Any difference in performance for Mythology LCP and Work LCP? From what I heard LCP without dampener will rosak much faster or something like that (maybe wrong).

So LCP increase low end torque but any negative effect on the car whatsoever. Who is the best go to person to install either Myth or Work LCP?
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Not really.. Unless ur car has a lot of hp and torque, its kinda impossible to cause harmonic resonance on the crankshaft.. The more unbalanced the crankshaft is, then the more it requires a dampener.. Normally for mass manufacturing, not all crankshafts are balanced.. Thats y the need of a dampener..
But no worries a not dampened crankshaft wont create so much problem to the engine cause the engine resonance on the crankshaft can be partially absorbed by the flywheel too..
Drex got sell Works + Mythelogy.. But call b4 going to see if he still has stock lah..

QUOTE(dadurtyz @ Jan 27 2012, 11:39 AM)
same like me, i'm using chartis insurance last year, insured value 39k. this year dont know how much my car insured.
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Later value drop to 34k.. doh.gif

QUOTE(KKW @ Jan 27 2012, 11:39 AM)
Shell boh power unless use the RON99 brows.gif
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hehe.. Shell is as powerful as Petronas in my car.. But i gains in mileage at the same time..

QUOTE(kking668 @ Jan 27 2012, 04:14 PM)
Looks very cheapo design made by custom made fibre leh..

QUOTE(KKW @ Jan 27 2012, 04:21 PM)
Eh.. my car still insured for 42k  biggrin.gif
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Too much right.. U insure ur car so high value also no use one.. End up if ur car total loss also the company is just going to pay u the trade in value of the car at the time of the accident.. Example u have an outstanding loan amount of 42k, u insure ur car value for 42k, but ur market value of the car is 34k, the insurance company is just going to pay u 30-32k only.. Cos thats the trade in value.. They are not going to compensate all the balance of the outstanding and u have to cough it up urself.. So dont over insure ur car, the insurance company is going to earn the premium only..

Under insuring the car is also another prob.. Using the same data as above, u insure ur car for 30k only.. So if at that time of accident and u have to claim ur own insurance, then the amount that they will settle for u is only the percentage amount of the value u insured against the market value of the car.. so that will be 30k/34k x 100% = 88%.. And if ur car is totaled during that year, the company is going to pay u only 28-29k of the car value.. So IRL u are going to lose out even more.. The premium for extra 4k of coverage wont be more than RM50..

So however also the proper insured value of ur car should be slightly lower than the true market value of the car.. In that case u can avoid over/under insuring.. U dont need to bother how much of loan u have outstanding also..

QUOTE(dannyw @ Jan 27 2012, 05:05 PM)
How's the procedure for 2nd year Insurance renewal? As the car still under bank, so the car market value is determine by bank? or us?
Can we purchase the Insurance by our own, or have to go through Bank's agent?
My new car with Maybank is using Kurnia.
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U can use ur own agent from any bank also if u want.. THe car market value is determined by the market..
For 2nd year, normally ur current insurance agent will sent u a letter to inform u to renew ur insurance as well as a quotation for the next year renewal fee.. They will state the market price in there also.. If u think the market price is too high, then u can either contact the same insurance company and request for a lower insured value or u can always find a insurance agent outside to help settle for u. An insurance agent will definitely be much more friendlier as they are earning a commission from ur sales and they will happily help to explain everything to u.. biggrin.gif
Normally depreciation for first year for a new car is 15-20%.. Generally take a median of it, say 18% as ur discount value on a reducing balance basis for ur car..

QUOTE(spikey2506 @ Jan 27 2012, 05:24 PM)
Go to ur bank. Ask for your full settlement value. Your insured value should be around that.

BTW, ayam brand extractor, done! Total damage RM230. Satisfaction after doing butt dyno, priceless! Hehehe. Engines feels much more responsive although still using stock mid box and muffler. Config is 1-4,2-3. Perfect for Persona's firing sequence, 1 3 4 2.

BTW, my engine oil cap is leaking oil already. Everywhere I look, they don't sell just the rubber seal. They sell it together with the cap itself, around RM45. Any other solutions to this?

[attachmentid=2656203]
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Enjoy ur newly unlocked power from ur car! hehe..

QUOTE(VincentChen @ Jan 27 2012, 05:55 PM)
omg, lol help me pls, i just got my PE this afternoon, after i off the engine, pull out the key, i watch TV until half, suddenly the car's fan turn on, and the car's air cond is on by itself, im so worried, what happen, lol
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Its the auto timer in the car.. All PE except mine has a timer function.. So if the engine is too hot it will automatically turn on the fan to cool it down for a few mins until the engine is cool.. But the timer function will normally kick in around 5mins after the engine is off..

QUOTE(dannyw @ Jan 27 2012, 06:21 PM)
Thx for your reply. Really appreciate it.  notworthy.gif

I only take 3 years loan, so my outstanding just about 25K+, so mean I can insured any amount higher than this, right?
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Yeah u can..
saddient
post Jan 27 2012, 07:08 PM

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totally out of topic... im looking for a room for rent around wangsa maju area in March

anybody here know which one go available unit ?
K.Lee
post Jan 27 2012, 07:21 PM

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QUOTE(saddient @ Jan 27 2012, 07:08 PM)
totally out of topic... im looking for a room for rent around wangsa maju area in March

anybody here know which one go available unit ?
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Budget hotel
saddient
post Jan 27 2012, 07:24 PM

yes or no
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QUOTE(K.Lee @ Jan 27 2012, 08:21 PM)
Budget hotel
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need to rent long term as im moving back to kl work already
ZenGTMM
post Jan 27 2012, 07:26 PM

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QUOTE(saddient @ Jan 27 2012, 07:24 PM)
need to rent long term as im moving back to kl work already
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Looks like u will be joining more TT.. hehe..
Change jobs ah?
K.Lee
post Jan 27 2012, 07:28 PM

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QUOTE(saddient @ Jan 27 2012, 07:24 PM)
need to rent long term as im moving back to kl work already
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Room susah a bit lo...
have to go wangsa maju to round round only can find
saddient
post Jan 27 2012, 07:33 PM

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QUOTE(ZenGTMM @ Jan 27 2012, 08:26 PM)
Looks like u will be joining more TT.. hehe..
Change jobs ah?
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yea lo change job.... hehe TT yeahhhhhhh

@K.Lee

yea lo....... need to round round leehhh
TSFubar20
post Jan 27 2012, 07:34 PM

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QUOTE(saddient @ Jan 27 2012, 07:08 PM)
totally out of topic... im looking for a room for rent around wangsa maju area in March

anybody here know which one go available unit ?
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Search from here then give them a call.
http://www.ibilik.my/rooms/wangsa_maju
ImUrDaddY
post Jan 27 2012, 07:42 PM

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nex week will book PE m line.. hope i wont regret lol. wonder if bank will loan me 20 k? i heard some ppl say there's a minimal loan amount?
saddient
post Jan 27 2012, 07:49 PM

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QUOTE(Fubar20 @ Jan 27 2012, 08:34 PM)
Search from here then give them a call.
http://www.ibilik.my/rooms/wangsa_maju
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seems like this site very active... all also posted byy today

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