Compulsory motor cover under the Road Transport Act 1987, BNM-detariffied motor & fire pricing (effective 2017), the 8% SST that now sits on top, and the houseowner / householder split that protects you in different ways. We write through Lonpac as our primary general insurer. 1987 年道路交通法令下强制车险、2017 年起 BNM 解除车险与火险费率管制后的浮动定价、上层 8% SST，以及 Houseowner 与 Householder 两套保单的分工。我们以 Lonpac 为主要承保人。 Perlindungan motor mandatori di bawah Akta Pengangkutan Jalan 1987, harga motor & kebakaran ditarif-nyah BNM (berkuat kuasa 2017), SST 8% yang kini di atasnya, dan pembahagian pemilik rumah / isi rumah yang melindungi anda dengan cara berbeza. Kami tulis melalui Lonpac sebagai penanggung insurans am utama kami.
All numbers below are PIAM-aligned. Premiums are net of 8% SST unless noted.下列均按 PIAM 标准。保费默认未含 8% SST。Semua nombor di bawah mengikut PIAM. Premium tidak termasuk SST 8% kecuali dinyatakan.
Third-party · TPFT · Comprehensive. Mandatory minimum is third-party-only — driving without it is a criminal offence.三者险 / TPFT / 全险。最低强制为单纯三者险 — 无保上路属刑事违法。Pihak ketiga · TPFT · komprehensif. Pihak ketiga = mandatori.
Covers the BUILDING — walls, roof, fixtures. Required by every Malaysian bank against a mortgaged property; the bank may auto-debit if you don't renew.承保 建筑物本身 — 墙体、屋顶、固定装置。马来西亚所有银行对有按揭物业强制要求；未续保银行会自动代扣。Lindungi bangunan. Wajib oleh bank untuk gadai janji.
Covers the CONTENTS — furniture, electronics, personal effects. Burglary & valuables-away-from-home extensions optional. Pair with HO for full cover.承保 家中财物 — 家具、电器、个人物品。盗窃与出门贵重物扩展可选。须与 HO 配合方能全面。Lindungi kandungan. Cermin diri dengan HO.
Worldwide, 24-hour. Death & permanent disablement, medical reimbursement, hospitalisation allowance. Cheap; usually bundled with travel and motor.全球 24 小时 — 身故、永久残废、医疗报销、住院津贴。保费低；常与旅游、车险打包。Sedunia 24 jam.
"Saya pakai third-party je" — only valid if your car is genuinely worth less than your repair cost. Below is the side-by-side with sample premiums for a 2020 Honda City in Johor Bahru, 35-y-o male driver, 38% NCD. 「我只买三者险」 — 仅当你的车价确实低于维修费时才合理。下表以柔佛新山 2020 Honda City、35 岁男驾、38% NCD 为例做对比。 "Third-party sahaja" — sah jika kos kereta < kos baiki.
Insurers will quote at agreed value (you choose) or market value (their book). Most drivers under-insure to save 8–12% on premium — then claim discovers a 30%+ shortfall on a total loss. We file at agreed value with annual revaluation as default.保险公司可按 双方议定值（你定）或 市场参考值（公司订）出单。多数车主为省 8–12% 保费降低保额，全损索赔时才发现差距超过 30%。我们默认按议定值并每年重估。Insurer petik nilai dipersetujui atau nilai pasaran. Kebanyakan kurang lindung 30%+.
No-Claim Discount is a PIAM-managed accreditation. It belongs to the driver, not the car — transfers when you change vehicle, valid for 2 years if you sell without buying. Lose it the moment you make a fault claim.无索赔折扣（NCD）由 PIAM 统一管理。属于车主而非车辆 — 换车带走，卖车后未续保 2 年内仍有效；过错索赔后归零。NCD diuruskan PIAM. Milik pemandu, bukan kereta.
| Year of clean driving无理赔年限Tahun bersih | Private car · saloon私家车 · 房车Kereta sendiri | Commercial / hire car商用车 / 出租车Komersil / sewa | Motorcycle摩托车Motosikal |
|---|---|---|---|
| After year 1 | 25% | 25% | 15% |
| After year 2 | 30% | 30% | 20% |
| After year 3 | 38.33% | 38.33% | 25% |
| After year 4 | 45% | 45% | 25% |
| After year 5+ | 55% | 55% | 25% |
If you have a mortgage, the bank holds an HO policy — but never an HH. A fire that destroys both the building and your contents would settle the bank's claim only. Two policies, two purposes.若有按揭，银行会持有 HO，但从不含 HH。同一场火既毁建筑又毁家财，只赔银行那部分。两张保单，两个目的。Jika ada gadai janji, bank pegang HO sahaja.
| Peril风险Risiko | HO · building建筑bangunan | HH · contents家财kandungan | FELO ext. |
|---|---|---|---|
| Fire / lightning / explosion火灾 / 雷击 / 爆炸Kebakaran / kilat | YES | YES | — |
| Burst pipes · water damage爆水管 / 水浸Paip pecah | YES | YES | — |
| Burglary & theft入屋盗窃Pecah masuk | NO | YES | — |
| Flood, earthquake, landslide水患 / 地震 / 山体滑坡Banjir / gempa | EXTRA | EXTRA | FELO add-on |
| Domestic helper personal accident家佣个人意外PA pembantu | NO | YES | — |
| Bank requirement on mortgage按揭银行强制Wajib oleh bank | YES | OPTIONAL | — |
Johor's 2023–2025 flood seasons triggered the highest insurer payouts on record. FELO costs ~RM 80–250 / year extra and is the single best price-to-value add-on for any low-lying property in Skudai, Pulai, Kempas, Pasir Gudang, Kota Tinggi.柔佛 2023–2025 水患创下保险公司历史最高赔付。FELO 附约每年仅多 RM 80–250，是士姑来、Pulai、Kempas、Pasir Gudang、Kota Tinggi 等低洼区性价比最高的附加。Banjir Johor 2023–2025. FELO ~RM 80–250 / thn.
Tens of thousands cross the Causeway and Second Link daily from Skudai & Iskandar. Your Malaysian motor policy behaves differently the moment you clear immigration — here's what actually matters.每天数以万计的人从士姑来 / 依斯干达经长堤与第二通道过境。一过关，你的马来西亚车险表现就不一样了 — 真正要注意的在这里。Puluhan ribu melintas Tambak & Linkedua setiap hari dari Skudai & Iskandar. Polisi motor MY anda berkelakuan berbeza sebaik melepasi imigresen \u2014 inilah yang penting.
Motor, fire, householder, PA. Honest swap or honest stay — your call.车险、火险、家财、个人意外。换或不换，你决定。Motor, kebakaran, isi rumah, PA.