May 13 2020, 12:29 PM
QUOTE(IcyDarling @ May 13 2020, 11:55 AM)
So ngam my car is under MSIG LOL
So if my insurance is market value, then there is no way to argue with them? This year they proposed sum insured same as last year, make me think my golden butt sit in my car wont decrease value lol
Unfortunately no way u can argue since u beli sum insured based on market value. If agreed value diff story, insurance must pay accordingly same to your agreed value. So if my insurance is market value, then there is no way to argue with them? This year they proposed sum insured same as last year, make me think my golden butt sit in my car wont decrease value lol
But not all ins offer agreed value. U can compare price and benefits dengan company lain before purchase.
QUOTE(tifosi @ May 13 2020, 12:03 PM)
Always insure the car value based on their valuation at agreed valued. Then you'll be covered.
True. But not all insurance/takaful operator offer agreed value. QUOTE(BronzePlate @ May 13 2020, 12:20 PM)
I notice pemiums this year are a bit higher compared to last year, even if it's the same sum insured.
Since detariffication start, all insurance/takaful operator are free to revise their premium and guidelines. Ins premium no longer regulated by gov. Maybe pasal itu got some ins company increase their premium.Or maybe itu agent suka suka letak valuation sum insured tinggi, higher premium higher commission.
This post has been edited by moodswingfella: May 13 2020, 12:30 PM
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