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How to protect car from thief., Cars with key fob
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TSJedi3815
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Jul 8 2024, 03:31 PM, updated 2y ago
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Getting Started

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There was a news about a Honda car with keyless entry keyfob stolen from valet. Source : Malay Mail ArticleThere was also a video that the car CAN be driven quite far without the keyfob. Youtube video showing that Honda car can be driven without key fobYoutube video showing how they could steal the car without keysMy main question is, how can we prevent this? I own a Perodua Alza (the new gen), knowing Perodua is cheaper than Honda, im assuming its security is shittier. Need help on how to prevent this. Huhuhuhu
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scorgio
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Jul 8 2024, 04:28 PM
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after stolen, pray the car never to be found. Claim insurance.
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TSJedi3815
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Jul 8 2024, 04:31 PM
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Getting Started

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QUOTE(scorgio @ Jul 8 2024, 04:28 PM) after stolen, pray the car never to be found. Claim insurance. That...is actually...a good move.
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Chrix
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Jul 8 2024, 05:18 PM
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first and foremose, is the car itself.
if car is a high on list for part out, then noting the owner can do about it.
if car is just average, less worries... as the pay off to jack this would be less.
ultimately, if this is a huge concern, changing car would be easier. Thus, dont lose sleep over it.
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dogbert_chew
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Jul 8 2024, 08:29 PM
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Roman Catholic
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Jul 9 2024, 06:56 AM
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Senang je cerita ni, hari ini aku menang, esok pencuri kereta tak berani curi kereta lagi. Konlan9firm.
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ktek
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Jul 9 2024, 11:49 AM
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after start. no remote can drive alza
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littlefire
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Jul 9 2024, 01:51 PM
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QUOTE(Jedi3815 @ Jul 8 2024, 05:31 PM) That...is actually...a good move. But you need to check your insurance agreement is agreed premium or follow market price. If follow market price you might need to check your loan balance, insurance will not pay 100% of your original car price.
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gobiomani
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Jul 11 2024, 12:51 PM
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QUOTE(littlefire @ Jul 9 2024, 01:51 PM) But you need to check your insurance agreement is agreed premium or follow market price. If follow market price you might need to check your loan balance, insurance will not pay 100% of your original car price.  Always look for insurance companies that provide "agreed value" instead of "market value". Pro tip, most insurers in Malaysia don't mention anything about this so the coverage provided is based on market value. So say you insure your car for RM50k, paid the premium for that RM50k value, but when claim the insurer will say "Oh, the market value is only RM40k, you over insure your car. Thanks for paying the extra premium to me for free but I will only pay you max RM40k coz that is how much your car is worth.
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Roman Catholic
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Jul 11 2024, 02:30 PM
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QUOTE(gobiomani @ Jul 11 2024, 12:51 PM) Always look for insurance companies that provide "agreed value" instead of "market value". Pro tip, most insurers in Malaysia don't mention anything about this so the coverage provided is based on market value. So say you insure your car for RM50k, paid the premium for that RM50k value, but when claim the insurer will say "Oh, the market value is only RM40k, you over insure your car. Thanks for paying the extra premium to me for free but I will only pay you max RM40k coz that is how much your car is worth. Wait if this goes to court, what do you think the courts decision will be on the rightful compensation, on premium paid for RM50,000 which the insurance company quietly pocketed OR will it be market value RM40,000 in which the policy holder paid way above the it's required premium ? This post has been edited by Roman Catholic: Jul 11 2024, 02:31 PM
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ktek
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Jul 11 2024, 02:59 PM
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QUOTE(Roman Catholic @ Jul 11 2024, 02:30 PM) Wait if this goes to court, what do you think the courts decision will be on the rightful compensation, on premium paid for RM50,000 which the insurance company quietly pocketed OR will it be market value RM40,000 in which the policy holder paid way above the it's required premium ? during renew ourself can adjust one. not thru agent
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gobiomani
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Jul 11 2024, 03:13 PM
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QUOTE(Roman Catholic @ Jul 11 2024, 02:30 PM) Wait if this goes to court, what do you think the courts decision will be on the rightful compensation, on premium paid for RM50,000 which the insurance company quietly pocketed OR will it be market value RM40,000 in which the policy holder paid way above the it's required premium ? You will lose if it goes to court because those are the terms of the contract between you and the insurance company. Read the policy and it will be stated there but of course no one reads the policy wording. This thing has been there all the while. Under-insured and over-insured is a thing. If you under-insure, it will be considered that you are self-insuring a portion of the value so you get only part of the value. If you over-insure, then too bad, you rugi for paying higher premium without getting any benefit. This sounded ridiculous to me the first time I heard this 2 decades ago. Take note that insurance business is regulated under BNM, so this is an approved practice, not suka-suka do one.
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Roman Catholic
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Jul 11 2024, 03:15 PM
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QUOTE(gobiomani @ Jul 11 2024, 03:13 PM) You will lose if it goes to court because those are the terms of the contract between you and the insurance company. Read the policy and it will be stated there but of course no one reads the policy wording. This thing has been there all the while. Under-insured and over-insured is a thing. If you under-insure, it will be considered that you are self-insuring a portion of the value so you get only part of the value. If you over-insure, then too bad, you rugi for paying higher premium without getting any benefit. This sounded ridiculous to me the first time I heard this 2 decades ago. Take note that insurance business is regulated under BNM, so this is an approved practice, not suka-suka do one. I have seen stupid terms and conditions and nope I don't fall for such trickery. Amazing courts in developed country don't fall for such stupid scams either. Here I am not so sure.
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1qaz1qaz
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Jul 11 2024, 06:20 PM
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QUOTE(gobiomani @ Jul 11 2024, 12:51 PM) Always look for insurance companies that provide "agreed value" instead of "market value". Pro tip, most insurers in Malaysia don't mention anything about this so the coverage provided is based on market value. So say you insure your car for RM50k, paid the premium for that RM50k value, but when claim the insurer will say "Oh, the market value is only RM40k, you over insure your car. Thanks for paying the extra premium to me for free but I will only pay you max RM40k coz that is how much your car is worth. wait is this a thing? if we go for the "agreed value"... if shit happen like total loss or missing, insurance company will say thing like that?
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gobiomani
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Jul 11 2024, 06:57 PM
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QUOTE(1qaz1qaz @ Jul 11 2024, 06:20 PM) wait is this a thing? if we go for the "agreed value"... if shit happen like total loss or missing, insurance company will say thing like that? If agreed value then they will pay you the value that you paid the premium for. No market value bullshit. So make sure to always look for this.
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gobiomani
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Jul 11 2024, 07:01 PM
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QUOTE(Roman Catholic @ Jul 11 2024, 03:15 PM) I have seen stupid terms and conditions and nope I don't fall for such trickery. Amazing courts in developed country don't fall for such stupid scams either. Here I am not so sure. There is one developed country with the biggest economy in the world where shit like this happen all the time in their insurance, health, automotive sectors. And courts in those country are run by elected judges. Yes, the judges raise campaign funds and run for office. So you may want to temper your developed country rhetoric.
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Roman Catholic
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Jul 11 2024, 07:41 PM
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QUOTE(gobiomani @ Jul 11 2024, 07:01 PM) There is one developed country with the biggest economy in the world where shit like this happen all the time in their insurance, health, automotive sectors. And courts in those country are run by elected judges. Yes, the judges raise campaign funds and run for office. So you may want to temper your developed country rhetoric. Amazing stuff the judges are the stupid huh.
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amscouzach57
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Jul 11 2024, 08:54 PM
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QUOTE(Jedi3815 @ Jul 8 2024, 03:31 PM) There was a news about a Honda car with keyless entry keyfob stolen from valet. Source : Malay Mail ArticleThere was also a video that the car CAN be driven quite far without the keyfob. Youtube video showing that Honda car can be driven without key fobYoutube video showing how they could steal the car without keysMy main question is, how can we prevent this? I own a Perodua Alza (the new gen), knowing Perodua is cheaper than Honda, im assuming its security is shittier. Need help on how to prevent this. Huhuhuhu My guess is that the GTA perp used a tool to extend the range of the keyfob, & unlocked the car & started the ignition using keyless entry & start. To prevent this, the keyfobs for keyless entry & start cars must be stored in a Faraday Box or container.
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JON97
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Jul 11 2024, 10:25 PM
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QUOTE(scorgio @ Jul 8 2024, 04:28 PM) after stolen, pray the car never to be found. Claim insurance. QUOTE(Jedi3815 @ Jul 8 2024, 04:31 PM) That...is actually...a good move. Actually... Insurance might not cover 100% of the total cost only up to a certain amount depending on which premium you get. Like what others mention above This post has been edited by JON97: Jul 11 2024, 10:27 PM
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sitescope
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Jul 11 2024, 10:52 PM
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QUOTE(scorgio @ Jul 8 2024, 04:28 PM) after stolen, pray the car never to be found. Claim insurance. Ins will wait up to 9 mths Installment still need to pay
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