Why would airbags deploy? Unless the front impact was considerable. Don't seem so in the pic.

Then can gauge how impactful is the crash

Not sure if you are referring to the Civic or the Wira being a Milo tin?

Either way, ppl need to depart from that old mentality of seeing a smashed up car and assuming its a milo tin. That's the crumple zones and its specially designed to crumple and absorb the energy from the impact by controlled deformation. If this energy is not absorbed or dissipated, it will be directly transferred to the passenger cabin. This is basic Laws of Physics.

Newton’s first law states that an object in motion will stay in motion with the same speed and in the same direction unless acted upon by an unbalanced force. As a result, if a vehicle is travelling at 110kmph, the passenger bodies inside are as well, and if the vehicle hits a solid wall and comes to a stop immediately without any crumple zones, the bodies will continue going in the same direction at 110kmph.

Passengers will continue to move forward at the same speed until they come in contact with a part of the automobile or another human being, causing severe injury. Even after a human body comes to a stop in an accident, its internal organs continue to move, slamming against each other because of the impact, often causing serious internal injuries and bleeding.

That's why crumple zones are very important. But crumple zones need to be paired with a strong passenger compartment to prevent intrusion or structural collapse.

If you walk around the Civic and do the 'knocking assessment' you will find a lot of hollow sounds. Being hollow is ok because it means that there is internal space for the crumple zone to collapse and its energy absorbed. In most continental cars like BMW, Audi, Merc and VW, you will find less 'hollow knocking sounds'. This is because these manufacturers generally include a lot of energy absorbing materials within the crumple zones. Try closing the boot of the BMW 5 Series for example and ull understand what I mean. But if the Civic were to follow the same route and include all these energy absorbing materials within the crumple zones, im certain we will be paying about 100K more.

Most importantly, Honda has done a very good job with its chassis and strengthening the passenger compartment. That's why the Civic gets the highest crash rating of Top Safety Pick Plus by the Insurance Institute for Highway Safety America (IIHS).

It also obtained a 5 Star overall crash rating by the NHTSA with individual 5 star ratings for frontal crash, side crash and rollover. Just for info, the 2015 BMW 3 Series also obtained an overall 5 Star rating but only got a 4 star rating for frontal crash.

Car loan interest so low why wana pay more n reduce? Use the money and invest elsewhere and earn higher returns la.

That's what I was told too.

Bro. Pls do not compare fixed rate with the flexible rate of term loan for housing etc. The car hp rate of 2.75% actually would cost more than 5% interest per annum eventually. Unless u have good investment which could guarantee return more than such rates, why not? If only FD, it is advisable to settle loan first.

I have seen several people recommending Llumar Diamond 6 for tint. I've seen the package, Llumar Diamond 6 VLT is 63%

I am looking for something with 50% VLT. Is it possible to have Llumar Diamond 6 to be slightly darker? (While JPJ compliance of course)

I have seen several people recommending Llumar Diamond 6 for tint. I've seen the package, Llumar Diamond 6 VLT is 63%

I am looking for something with 50% VLT. Is it possible to have Llumar Diamond 6 to be slightly darker? (While JPJ compliance of course)

I have seen several people recommending Llumar Diamond 6 for tint. I've seen the package, Llumar Diamond 6 VLT is 63%

I am looking for something with 50% VLT. Is it possible to have Llumar Diamond 6 to be slightly darker? (While JPJ compliance of course)

I know all about effective rates which is why I still say don't waste money reducing car loans. Why do u think I always go for 90% max 9 yrs loan?

There are many investments out there with varying levels of risk which also provide potentially much higher returns.

(p/s: FD is not an investment vehicle anymore. Most ppl either 'invest' in FD to offset inflation or because they dont know what else to pump their money into. Even then nowadays FD returns are not enough to offset inflation)

I know all about effective rates which is why I still say don't waste money reducing car loans. Why do u think I always go for 90% max 9 yrs loan?

There are many investments out there with varying levels of risk which also provide potentially much higher returns.

(p/s: FD is not an investment vehicle anymore. Most ppl either 'invest' in FD to offset inflation or because they dont know what else to pump their money into. Even then nowadays FD returns are not enough to offset inflation)

JPJ will use their new tint guidelines to rake in more money for their coffers. They are getting more and more desperate by the day. I would strongly suggest you stick to JPJ compliant tints.

Anyway Llumar Diamond 6 is for safety with good heat rejection. I would think having 50% VLT is dangerous for side windows especially at night.

Thanks for sharing. Investment risk and return would depend on each individual on risk appetite. Some ppl stil prefer FD even know it could not fight with inflation.

In fact, Malaysian nowadays mostly already in high debt ratio. For me, in uncertain economic situation, i would prefer to be more prudent, to reduce debt as much possible. Just my personal opinion. Cheers!

Yes true.

But debt isn't always bad the same as risk. Debt is only bad when it's not managed well. But a smart investor will know how to utilise smaller debt / borrowings to invest and increase ROI. Good investment is basically good risk mitigation. We don't run from risk. We manage it. 

anyone here get the insurance done by yourself?

i can save some cost or something if i do by my own but SA said is good to have HIP for first year

As I know HIP will pay full of the sum insured if you claim it but other than HIP, can not get full sum insured.