you can only move to first party only if the insurance company willing to take. which is virtually none for old cheap value car..

yes, can, my >20yo waja can still get 1st party, but mine is etiqa, etiqa will value the car at 7k for it to be elligible for 1st party though

but i opt for 3rd party, >20yo car, if spoil buang d....what for 1st party

difference by rm500 for 3rd party and 1st because loss of NCD

Old car is defined as how many yrs? my car in few mths is 20yrs old already, then cannot buy 1 st party anymore?

If the insurer accepts, then you should think about several things.

1. Need for this particular vehicle.
- If you are highly dependent on this vehicle (no other vehicle around); OR
- Sentimental value (determined to preserve the vehicle regardless)

AND

- You (As third party do not take into account of all authorized drivers) drive in high risk mode i.e. frequent accidents in the past

Then yes you should cancel your current, and go for the first.
2. The value of the vehicle.
- If your insured value is lower than or equal to cash payment fixes, then chances are, you are betting on the NCD upon subsequent renewals to be more value for money.
- But until then, if your condition is as above bolded part, then you should go for it.

Either way, since you are concerned about the value, I would presume that you are conscious about the costs and want to have a maximum protection possible.

Therefore, unless you are not confident at all of your own driving skills / you drive recklessly, then you should stick with the third party until subsequent renewal.

Edit: Like above, you need to review the insurer history for insuring older car models, as the claims for parts maybe a hassle.

for >20 years old very subject to insurance vendor ..some makan some very hard

so ..when your car close to 20 ..dont simply switch vendor

boleh tak, jgn tulis cam chatgpt? susah nak paham.

So ur choice is save RM500 and take the risk if accident again u have to ownself settle ur own car damage.

Or pay extra RM500 and PASS THE RISK to insurer to cover ur ass.
That is the purpose of insurance. All about RISK appetite.

Ppl cant decide for u "worth or not".
Btw what happen why 0 NCD

I seldom use the car so I just want to use 3rd party 1st since my ncd now is 0 but will switch to 1st party for the subsequent year, but will they accept the switching, kurnia say they can't guarantee automatically.

periuknasi macam mana mau faham oh?

jokes aside, i figured structure abit maybe more easy to arrange sequence of importance?

bukan meh?

struktur baik. tapi berbungabunga ros anggerik.
Hi Siri, sila ringkaskan

Etiqa 3rd party u buy online or need call them?

But if 7k, the premium maybe Rm200 only, compare ti 3rd party, 90?

Whats the price difference between your waja 1st vs 3 rd party?

1st party almost 300, 1st party is a lil more than 100