QUOTE(melkishi81 @ Jan 21 2021, 09:42 PM)
May I know if this is inclusive of windscreen insurance? And how much is the sum insured if you may share?
Thank you
This past few years I did not buy windscreen coverage. Even for my previous car, only the first 2-3 years bought it but never claim before. After that 5-7 years didn't bought, also never broke. This new baby shark also didn't buy. Yes, can be money wise, pound foolish. Again it depends on individual usage. For my route and parking, I do not encounter much high risk of windscreen breaking. Combine with current covid-19 situation, I am not driving much. Last year did about 5k km only.
Sum insured as auto-quoted by Berjaya-Sompo online is agreed value depending on your car model/year/cc
My sum insured is 150k+, premium around 3.7k
less NCD 55%
less direct purchase 10% (owner DIY, not through agent)
plus tax and duty
about 1.6k+ only
Just reopen the MPI PDS
Coverage for all drivers, excess = no need, I'm the only driver for this car.
Repair warranty - uh ... no need. this is workmanship and defects on repair. If major will send back to Bermaz and claim (NCD lost). Any issue, repair warranty or not, can go back Bermaz.
towing - standard agreed value already have one towing and new car I don't need unlimited towing.
Motor P.A. - I already have enough personal life insurance + medical
total lost & theft allowance - already agreed value
accident inconvenience -rm200/day up to 5 days. no need for me. My advise read the T&C clearly. Last time waiting period for spare parts doesn't count.
Waiver for betterment from 6-10 years - maybe change car already.
Edit: MPI quote me 4k for the same sum insured
less NCD 55%
no less direct purchase since go through agent/branch
plus tax and duty
= around 2k
This post has been edited by cute_boboi: Jan 21 2021, 10:54 PM