Quote me for 3rd party insurance

Proton Saga BLM
2009
NCD 55%

check pm

As low as RM 68/yr **incl. NCD

With over 25 years of experience and a specialism in Truck & Lorry Insurance, I will find the best policy to suit your needs.

Exclusive rates, Expert knowledge and advice, Gold standard service
Whether you are carrying your own goods, or transporting for reward or hire, you need to ensure you’re thoroughly protected.

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WhatsApp 019-3399039 for more info.
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Hello,
Hi I just answer based on 3rd party only because I don't offer f&t
Hope you can get me below answers. Thank you.

1.)
3rd(F&T) or 3rd no need pay excess and betterment? No need

2.)
Insurance have loading just because insurance company want increase the total premium?
When accident happen and loading is 100%, this wouldn't impact any? Not like excess and betterment, you want pay it first and unable full claim?
If you go for 3p ins must charge loading 100%. But still cheaper than f&t.

3.) f&t follow 1st party
3rd(F&T)when fire and theft claim is count by
Sum Insured/Market Value x Assessed Loss

Market Value = Assessed Loss
if Sum Insured RM10K, but market value is RM1K, finally claim fire and theft can get RM10K?
10000/1000*1000=10000

4.)Old car market value is RM1K also can buy any amount of sum insured? Can this year buy RM20K, next year buy RM10K, then next year buy RM30K?
3p ins no sum insured

5.)
If 3rd(F&T), when car age up to 30 years still can keeping renew 3rd(F&T) till to the end of the car life? or after 30 years, only can buy 3rd?
After 10 years can buy 3p ins
6.)
Before and each time renew 3rd(F&T) want send a car to Puspakom check it first?
Before and each time renew 3rd want send a car to Puspakom check it first? No need

7.)
3rd(F&T) included free towing like 1st party? When car battery, tire exploded and others not about accident also can call free towing?
3rd without free towing? When car caught fire or very serious accident damaged, car totally unable move, this situation can call free towing? 3p no free towing

8.)If use many times free towing services will impact my insurance record, for an example, not accept you renew or increase your premium? 3p fixed premium

9.)Can this year buy 3rd, next year but 3rd(F&T), then next year buy back 3rd? 3p all the way

10.)New car full paid situation can buy 3rd(F&T)? Can buy any amount of sum insured?
New car full paid situation can buy 3rd? New car don't cheapskate on 3p bro kena bang sendiri bayar

11.) Do you have email address? Can contact it and because this can alternative when some not use phone. Pm me ok

Thank you.

pm replied

Hi Can you quote me 3rd Party Insurance for the details below with MSIG
Use of Vehicle:  Private Car
Car model: Proton Saga 1.5 L (M)
Year of Manufacture: 1991
NCD: 55%
Use of Vehicle: Private Car
Car model: Datsun Sunny 1171cc (M)
Year of Manufacture: 1980
NCD: 55%

RM 187.66 w/ towing and theft

Both car same price?
RM 187.66 with towing and theft?