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LYN Proton INSPIRA Owners and Fans Thread V68!, Source of low traffic: goo.gl/ZRQcSd
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cyclonerox
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 Aug 14 2015, 01:44 PM
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Getting Started
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QUOTE(K3nnYkl82 @ Aug 14 2015, 09:23 AM) The takaful i meant is etiqa takaful. Diff from takaful. Anyhow yes.. If u buy islamic insurance @ takaful, they will send u back cheque if no claim.. Been getting it back from them many years.. Ranging from 20-60 yearly. But on my toyota passo..my wife.. Not my campro inspira.. Bcoz takaful no offer agreed value QUOTE(s@ni @ Aug 14 2015, 09:50 AM) Same here.. Received from etiqa every year hehehe AFAIK ... AGREED VALUE is important because that is the exact amount insurance company will pay for your car total lost right? etiQa takaful will not pay full of their sum insured if your car total lost right? now I checked with www.motortakaful.com ... this is the correct website which give 10% rebate straight on payment and can get back 15% rebate if no claim? This post has been edited by cyclonerox: Aug 14 2015, 02:01 PM |
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AcAutoworld
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Aug 14 2015, 02:35 PM
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New Member
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QUOTE(BaDKiDz @ Aug 12 2015, 07:16 PM) Stock are very limited. 2014 premium discount 7k |
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AcAutoworld
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Aug 14 2015, 02:35 PM
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New Member
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QUOTE(BaDKiDz @ Aug 12 2015, 07:16 PM) Stock are very limited. 2014 premium discount 7k |
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K3nnYkl82
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Aug 14 2015, 02:55 PM
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QUOTE(cyclonerox @ Aug 14 2015, 01:44 PM) AFAIK ... AGREED VALUE is important because that is the exact amount insurance company will pay for your car total lost right? etiQa takaful will not pay full of their sum insured if your car total lost right? now I checked with www.motortakaful.com ... this is the correct website which give 10% rebate straight on payment and can get back 15% rebate if no claim? then walkin Alianz ... 10% rebate ... Agree Value |
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koh_424
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Aug 14 2015, 03:37 PM
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QUOTE(cyclonerox @ Aug 14 2015, 01:44 PM) AFAIK ... AGREED VALUE is important because that is the exact amount insurance company will pay for your car total lost right? etiQa takaful will not pay full of their sum insured if your car total lost right? now I checked with www.motortakaful.com ... this is the correct website which give 10% rebate straight on payment and can get back 15% rebate if no claim? Depends on the insurance company policy. Some they offer 'agreed value' much higher than market price & when u claim lost they pay full insured amount. Some they offer 'agreed value' bit higher than market price & when u claim lost they might pay u 70~80% of the insured amount. Really depends on their policy. Don't always think 'agreed value' means they will pay u insured amount when lost! |
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dares
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Aug 14 2015, 03:53 PM
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QUOTE(koh_424 @ Aug 14 2015, 03:37 PM) Depends on the insurance company policy. Some they offer 'agreed value' much higher than market price & when u claim lost they pay full insured amount. Some they offer 'agreed value' bit higher than market price & when u claim lost they might pay u 70~80% of the insured amount. Really depends on their policy. Don't always think 'agreed value' means they will pay u insured amount when lost! Agreed Value is agreed value, there are no 2 types of agreed value policy. The second type you mention is a policy based on Market Value whereby the compensation amount is determined by the MARKET VALUE of the car at the time the damage occured. http://www.insuranceinfo.com.my/help_and_a...intArticleID=65QUOTE If your policy is based on Agreed Value:
You and your insurance company agree on the value of the car at the beginning of the contract and at each
renewal. If your car is totally destroyed or stolen, your insurance company will pay the sum insured in full.
A number of insurance companies are offering agreed value policy to their customers. This post has been edited by dares: Aug 14 2015, 03:56 PM |
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koh_424
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Aug 14 2015, 04:09 PM
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QUOTE(dares @ Aug 14 2015, 03:53 PM) Agreed Value is agreed value, there are no 2 types of agreed value policy. The second type you mention is a policy based on Market Value whereby the compensation amount is determined by the MARKET VALUE of the car at the time the damage occured. http://www.insuranceinfo.com.my/help_and_a...intArticleID=65Not sure bout u. But i have came across 2 different insurance company offered me 2 different 'lost compensation'. 1 will pay full amount as per insured amount. And the other 1 will only pay ard +-70% insured amount. |
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dares
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Aug 14 2015, 04:31 PM
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QUOTE(koh_424 @ Aug 14 2015, 04:09 PM) Not sure bout u. But i have came across 2 different insurance company offered me 2 different 'lost compensation'. 1 will pay full amount as per insured amount. And the other 1 will only pay ard +-70% insured amount. Then you should ask the second company why they called it Agreed Value, when you clearly did not agreed to insure only 70% of that value. Try google "agreed value policy vs market value policy Malaysia" |
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K3nnYkl82
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Aug 14 2015, 05:02 PM
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QUOTE(koh_424 @ Aug 14 2015, 04:09 PM) Not sure bout u. But i have came across 2 different insurance company offered me 2 different 'lost compensation'. 1 will pay full amount as per insured amount. And the other 1 will only pay ard +-70% insured amount. Did u see the WORD "AGREE VALUED" in the insurance policy ? my Allianz insurance stated clearly .. "AGREED VALUE" 
10% rebate ... walkin Agreed Value **Note: they have two types of policy, you have to specify AGREED VALUE This post has been edited by K3nnYkl82: Aug 14 2015, 05:09 PM |
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s@ni
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Aug 14 2015, 05:24 PM
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new info from u guys, thanx.. later i will ask for agree value,..
but but etiqa can do installment for my amex card..
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K3nnYkl82
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Aug 14 2015, 05:25 PM
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QUOTE(s@ni @ Aug 14 2015, 05:24 PM) new info from u guys, thanx.. later i will ask for agree value,.. but but etiqa can do installment for my amex card.. etiqa tala agree value.. else i been using jo .. coz etiqa rebate  |
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s@ni
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Aug 14 2015, 05:32 PM
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QUOTE(K3nnYkl82 @ Aug 14 2015, 05:25 PM) etiqa tala agree value.. else i been using jo .. coz etiqa rebate the only reason i used etiqa now is because of amex installment.. allianz can installment?  |
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K3nnYkl82
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Aug 14 2015, 06:29 PM
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QUOTE(s@ni @ Aug 14 2015, 05:32 PM) the only reason i used etiqa now is because of amex installment.. allianz can installment? Sorry.. Amex stop using on 31/7/2015 11:59:59 pm It is placed in the freezer already since then.. |
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s@ni
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Aug 14 2015, 06:32 PM
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QUOTE(K3nnYkl82 @ Aug 14 2015, 06:29 PM) Sorry.. Amex stop using on 31/7/2015 11:59:59 pm It is placed in the freezer already since then.. lel same... but then, its easier to use it. whats your replacement card? im applying for public bank visa sign now.. most probably will get it la  ive also cancel my ocbc titanium - 1% rebate oni and bank islam - nothing good for me liao so left maybankard2 & pbb visa sign.. |
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Quazacolt
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Aug 14 2015, 06:41 PM
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QUOTE(s@ni @ Aug 14 2015, 06:32 PM) so left maybankard2 & pbb visa sign..fuh rich man |
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s@ni
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Aug 14 2015, 06:45 PM
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QUOTE(Quazacolt @ Aug 14 2015, 06:41 PM) where got, hutang atas tanah bawah kiri kanan banyak liao car loan 9 fucuking years summore.. home loan, u dont want to know how long |
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Quazacolt
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Aug 14 2015, 06:48 PM
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QUOTE(s@ni @ Aug 14 2015, 06:45 PM) where got, hutang atas tanah bawah kiri kanan banyak liao car loan 9 fucuking years summore.. home loan, u dont want to know how long  |
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rashidSelamat
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Aug 14 2015, 07:18 PM
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New Member
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Jom tt tonite...
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K3nnYkl82
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Aug 14 2015, 07:20 PM
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QUOTE(s@ni @ Aug 14 2015, 06:32 PM) lel same... but then, its easier to use it. whats your replacement card? im applying for public bank visa sign now.. most probably will get it la ive also cancel my ocbc titanium - 1% rebate oni and bank islam - nothing good for me liao so left maybankard2 & pbb visa sign.. Tunggu ing uob one card |
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