Aim for big insurer who has large claims team with strict TAT

Allianz
Etiqa
Zurich
AMG/Kurnia/Liberty (merge)

Guys, following add on which one the most useful base on experience ?

- Window (Can buy after got chipping ?)
- Flood (No living that area or even passby)
- Compensation loss of day
- Personal accident

Is Takaful Malaysia ok? Never claim before but only use the free towing service.

Not advisable

And why is that?

.

This post has been edited by mousqy: Jan 2 2023, 11:04 AM

Weaker OD claim unit compare to other

Pinned this

Windscreen
Flood
Passenger coverage (in case your passenger injured due to your mistake)
Liability for passenger negligence (in case your passenger is the one cause the accident)

The rest would be optional

My case, lorry did not report so lazy pulis only issue RTM (Refer To Majistret) if i want to pursue damage claim.
End up ayam ask my insurance insider to reinstate my NCB.

What if you really pursue for damage claim through majistret? Wonder what's the procedure and the result

Have to attend court lor.. If the other party still dont appear to defend then the judge will see whose fault.
If other party fault probably will get saman, and with the judge report i can bring to insurance company to claim their insurance.

I see.. but you are not having any illegal action in your case right? Like you illegal park/stop/turn/etc and cause the accident? Else I believe insurance can reject the claim

This morning my friend got into a minor accident. She accidentally banged the car in front and both car ended up in just minor scratches that cannot really be noticed until you look closely.

My friend (A) and the person kena banged (B) went down after the accident and both agreed B to send to workshop asking for price and A to pay up the repair cost.

Now since they verbally agree to settle (by A paying B for the repair cost quoted by workshop), what happens if B went for police to make report? Have to pay saman, late report fee + NCD hilang??

Another friend of mine said usually police won't entertain much for minor accident that involves only minor scratches. True?

Wow, this is really helpful. Thank you bosku

I have the same exact question. With the addition, if you're at fault and you make a police report will you automatically get fined? Or only if the other party also make a police report? Also if you're fined (think it's RM300) can compound?

Got into an accident on Sunday. My bike rear ended wira in front. Bent her rear chassis, rear bonnet and rear bumper. Big cc bike, heavy momentum
Wira was trying cross the road on double line. Report made by both of us. Haven't got the police investigation result. Don't know about her but probably third party. Mine compressive. Please advise what do I do now.

Hi sifus,

If I claim OD-KFK (Knock-For-Knock) and I am NOT at fault, I understand that my NCD will not be reduced.

However, since there is a claim record against my own insurer, will it affect my premium in the future? (Or will it affect my excess?)

Also, will the NCD of the party at fault be affected? Since I am claiming my own insurance, and not the third party.

Your claim record will show KFK hence won't have any adverse effects when renew

TP NCD will be deducted and there will be a claim record on their end

Wait for investigation outcome

If it favour you

Pass it to your insurer to aso whether can convert the OD to OD KFK