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kindaichi_hajime
kimyroll
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tabah
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    Insurance cover motor hilang-x logic

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    tabah
    Ahli Baharu
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    Post by tabah Mon Jul 20, 2009 11:01 pm

    Assalamualaikum...

    sayer ader hilang moto baru masa raya cina tahun nie..buat pengetahuan korang, nie motor tu aku x pakai sampai seminngu lagi. lebih kurang 5 hari je. meter pun x sampai 100 km lagi. insuran bodoh tu insured moto aku rm 3700. harga moto + insurance jadi rm 4200. aku bayar cash.

    sekarang syarikat insurance nak bayar ganti rugi la kononnya lah. sebelum nie dia nak bayar rm 29++ (tu pun setelah aku call banyak kali tapi sayer x agree denagn jumlah tu).

    sehinnga lah surat pertama dia nyatakan dia nak bayar rm 3125. sayer x agree dan sayer fax satu later suruh dia recalculate semula.

    kelmarin ( hari sabtu) dia offer aku rm 3225. naik seratus jer...tu yang final dia boleh bagi.aku rasa cam nak sepak jer nak bayar aku camtu..aku baru pakai 5 hari bukan lima tahun.

    berapa sapatutnya aku dapat dalam masa 5 hari motor hilang..saper ader pengalaman...boleh bantu sayer

    tq for your time
    the_ultimatez_najman
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    Post by the_ultimatez_najman Mon Jul 20, 2009 11:55 pm

    pling koman rm4000
    yg rm200 tu kira ko pkai yg 5 hari tu la...
    sian ko..moto pe?
    nelza
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    Post by nelza Tue Jul 21, 2009 9:17 am

    aik..ye ke? rasanya member aku dulu dapat moto baru terus.. tu zaman aku la..
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    Post by tabah Tue Jul 21, 2009 11:07 am

    the_ultimatez_najman wrote:pling koman rm4000
    yg rm200 tu kira ko pkai yg 5 hari tu la...
    sian ko..moto pe?

    ha tu lagi bagus...tq forthe response..honda ex5


    Last edited by tabah on Tue Jul 21, 2009 11:09 am; edited 1 time in total
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    Post by tabah Tue Jul 21, 2009 11:08 am

    nelza wrote:aik..ye ke? rasanya member aku dulu dapat moto baru terus.. tu zaman aku la..

    tq for your response ...masa aku beli pun dia cakap cam tu gak..kalu buat first party..terus dapat motor baru..sekarangmacam nak songlap jer
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    Post by tabah Tue Jul 21, 2009 11:10 am

    so..menurut last letter yang dia bagi..last offer adalah rm 3225...aper sepatutnya sayer buat???
    nelza
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    Post by nelza Tue Jul 21, 2009 11:13 am

    fight for your right
    audecosta
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    Post by audecosta Tue Jul 21, 2009 1:14 pm

    aku rs baik ang p kat kedai tu trus.. kalu bleh buat bising dlm kdai tu.. apa nak malu kan? nothing to lose..
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    Post by tabah Tue Jul 21, 2009 1:26 pm

    audecosta wrote:aku rs baik ang p kat kedai tu trus.. kalu bleh buat bising dlm kdai tu.. apa nak malu kan? nothing to lose..

    kedai tu x der hak nak bayar balik..only company insurance tu jer yang akan bayar...ader saper2 ker kerja kat insurance company dan tau camner dia calculate
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    Post by sixx Tue Jul 21, 2009 2:10 pm

    mmg sum insured rm3700, tp kau tak akan dpt 100% la beb. dia mmg ada calculation dia
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    Post by tabah Tue Jul 21, 2009 6:03 pm

    sixx wrote:mmg sum insured rm3700, tp kau tak akan dpt 100% la beb. dia mmg ada calculation dia

    kau tau ker calculation dia...kalau kiter belajar Form 1..under peratus susut nilai....calculation dia per year bukan per day..
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    Post by tabah Tue Jul 21, 2009 6:03 pm

    nelza wrote:fight for your right

    tq for your support?? any idea
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    Post by kimyroll Wed Jul 22, 2009 3:51 am

    sian ko..sma mcm nsb ak pd taun 2007..pakai ex5 bru 2mggu..ilang..
    then ak claim insuran dpt 3125 ak bli ex5 tu 3850..
    3bln gak nk dptkn claim 2..
    insuran pacific n orient..
    peliknye baik kte xyah amik insurankn kalo xleh claim penuh..
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    Post by tabah Wed Jul 22, 2009 11:03 am

    kimyroll wrote:sian ko..sma mcm nsb ak pd taun 2007..pakai ex5 bru 2mggu..ilang..
    then ak claim insuran dpt 3125 ak bli ex5 tu 3850..
    3bln gak nk dptkn claim 2..
    insuran pacific n orient..
    peliknye baik kte xyah amik insurankn kalo xleh claim penuh..

    wah samer la....insuance tu pun bagi jumlah yang sama kat sayer..berapa harga setelah 1 th pakai..mesti 0 value dia kan
    kindaichi_hajime
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    Post by kindaichi_hajime Sat Aug 29, 2009 10:27 pm

    kalo ex5...
    pstikn ko claim rm3800..
    dier nk gelapkn duet ko tu..
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    Post by ayoi Sat Aug 29, 2009 10:56 pm

    aku lama x join insuran ni tapi mengikut kiraan lama 10 thn lepas masa aku kerja pasang software trace motor ansuran plus insurance kat kedai motor/motorsikal harga motor cth 3800 first moth potong 20% dari cover insuran -sebab tu kena cover motor lebih dari harga motor.
    insuran turun cover by month sehingga akhir bulan (last day ) tinggal 45% je dia cover*
    * bergantung pada syarikat insuran tu.
    sebab tu nak beli motor jgn beli cash termasuk rumah.. buat gak bayaran ansuran 1 thn ke atas.
    sebab nak cover bila berlaku problem macam di atas.

    kalau ada ansuran tertunggak ..automatik kedai/syarikat tu campurtangan ( member2 ) maka dapat la kuar motor baru.
    * motor 2thn(keluar kilang) ke bawah kebanyakkan leh motor baru tapi bergantung pada syarikat insuran tersebut.

    tu je aku leh kasi tau utk kiraan 10 thn lepas.
    motor aku pernah hilang masa aku accident. seperti aku citer pengalaman masuk wad.
    time aku pening ngan sakit dtg syarikat motor nak tarik motor utk repair.. aku main sign je.
    lebih 14 hari aku tak wat laporan polis dan claim kat syarikat insuran.. motor aku tu burn. syarikat motor tu dapat pree je motor aku.. aku gi nak amik motor tu kena bayar 1400 sebab dia kata dah repair... kalau aku jual time ok pun paling koma dapat rm1500. ni plak lepas accident.. sure harga turun lagi.
    jadi aku blah macam tu... dan gi wat laporan polis dan citer sebetulnya. takut motor tu dia org wat merompak or jual kat indo.. naya aku kena saman lagi.... hehehe...
    s.k
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    Post by s.k Sat Aug 29, 2009 11:10 pm

    ko beli insuran pe?

    sori TS aku x penah kene..
    sharul
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    Post by sharul Sun Aug 30, 2009 12:31 am

    wahhh aku pun tension dengar camnih..kalau bawak gi mahkamah agak bleh menang tak?pastu saman syarikat insuran tu kasi tutup trus diorang punya bisnes...hehehe Mad
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    Post by reborn Mon Aug 31, 2009 12:14 am

    ak ada sikit experience la..tp dr abg aku..dia kemalangan, motor hancur separuh..then, hntr repair, report polis, claim insurance..

    dalam dua minggu, motor dh siap kat kedai tp moto tk blh kuar sbb insurance saje wat2 lmbt byr payment..
    tiap2 ari abg ak call insurance tp diorg asik ckp "on progress".. Embarassed

    slps dua bulan bersabar...

    last2, abg ak tanye skrg siapa nama pegawai yg uruskan "on progress" tu..diorg tk nak cakap..then, abg aku cakap kat cina insurance tu "u jangan main2 ar, bini sy keja Bank Negara, skrg jugak sy tulis surat ke Bank Negara"..cuak cina tu.. Evil or Very Mad

    Esok trus dpt duit..hemm.... Idea
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    Post by s.k Mon Aug 31, 2009 3:09 am

    erm..nampak ye kite kene ader kabel kat Bank Negara la nie lol!

    TS pe citer..nak tau perkembangan..

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