Hello,
Hope you can get me below answers. Thank you.
1.)
3rd(F&T) or 3rd no need pay excess and betterment?
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?
3.)
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?
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?
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?
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?
8.)If use many times free towing services will impact my insurance record, for an example, not accept you renew or increase your premium?
9.)Can this year buy 3rd, next year but 3rd(F&T), then next year buy back 3rd?
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?
11.) Do you have email address? Can contact it and because this can alternative when some not use phone.
Thank you.
QUOTE(ahwai @ Feb 26 2019, 12:20 PM)
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