RY Insurance

了解汽车保险的3种类型

汽车保险是车主必须购买的一种保险，用以保障车主或第三方在遭受风险时的损失或损坏。在完善的汽车保险保障下，车主可以有效地减少开支，因为保险公司将承担所遭受的损失或损坏。

汽车保险的类型
在购买汽车保险之前，您需要清楚了解各种保险的类型以便找到符合自己需求、风险与预算的保险。

汽车保险一共分成三种类型：
1. 综合型保险
综合型保险为投保者提供最完善的保障，其保障包括第三方、失火及失窃，也提供保障予您的车子因意外而造成的损失或损坏。换句话说，这种保险保障您（投保者）以及第三方。

一般来说，综合型保险适用于新车。如果您拥有的是一辆旧车，并且能够负担车子的维修费，那么您就不需要购买这类保险。

这类保险适用于未超过10年的车子（一般保险公司不允许15年或20年车龄以上的车子购买此类保险）。

2. 第三方保险、失火及失窃保险
这份保单的价格比第三方保险来得高，比综合型保险来得低。这是因为这份保单将保障失火及失窃造成的损失或损坏。

通过这份保单，如果您的车子遭受意外失火或失窃，其中包括：车子被盗、车子因为盗窃行为造成门锁或窗户损坏等，您都可以向保险公司索赔。

此外，这份保单也将保障第三方在财务上的损失或损坏，包括您所造成第三方的受伤或死亡。

您必须明白的是：这份保单将不保障您的车子因为交通意外而造成的损失或损坏（只提供第三方索赔），这份保单只保障您的车子因失火或失窃而造成的损失或损坏。

3. 三号保险/第三方保险
第三方保险是最基本的汽车保险。第三方指的是和您一起发生车祸的“对方”（车祸的肇事者是您本身）。这类保险只保障因为投保者而遭受损失或损坏的第三方。

基本上，这份保单的保障非常局限，因为它只适用于第三方索赔，至于您本身车子的维修费就需要您自掏腰包了。

选择汽车保险时需要考虑的因素
1. 车龄
如果您的车子是一辆超过15年的旧车，您可以选择第三方、失火及失窃保险，这是因为车子的维修费可能比较便宜且能够自己负担。反之，如果您的车子是一辆车龄只有几年的新车，那么综合型保险将会是最好的选择，因为这类保险的保障是最全面的。

2. 车子的使用频率
如果您几乎每天都必须驾车上下班或经常驾车跨州出差，您面临风险的机率肯定会比较高，因此更需要一份完善的保险以作为不时之需。

3. 保险金额
保险金额最好要符合您车子的风险和需求。虽然您的车子已经超过10年，但我们仍然建议您购买综合型保险，这样才能让您的车子得到完善的保障。

选择适合您的汽车保险
所有的保险公司都会提供以上三种保险作为选择。仔细考虑以上三种因素，即车龄、车子的使用频率以及保额，并以这三种因素来确定您所要选择的保险种类，这将可避免您的车子出现过度投保或受保不足的情况。

已经准备好要更新您的保险了吗？今天就到必佳更新车险。
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9 Factors Affecting Your Car Insurance Premium in

Car insurance premiums or prices are fundamentally different even for the same car model. This is because it depends entirely on the type of insurance coverage you have and several other factors. This article will help you identify the factors that affect car insurance premiums including how to calculate car insurance premiums in Malaysia.

How to Calculate Car Insurance: Factors Affecting Car Insurance Premium in Malaysia
In Malaysia, vehicle owners need to renew their car insurance and road tax yearly. This is to permit the owned vehicle to be used on the road. Having valid car insurance and roadtax, it can prevent you from being sued by the authorities. More often than not, the premium of car insurance is more expensive than motorcycle insurance, and is influenced by nine reasons as follows:

1. Age and Gender of Driver
The age of the driver can also affect the premium of car insurance. Drivers between the ages of 16 and 25 usually have to pay higher premiums than older drivers. This factor may be due to accident statistics in Malaysia that show young drivers and first-time drivers have a high potential to be involved in road accidents.

In addition to age, gender factors also play a role in determining insurance premiums. This is because, according to the accident statistics in Malaysia, there are higher accidents involving male drivers than female drivers.

Although many male drivers would disagree with this statement and feel that male drivers are more efficient drivers than female drivers. However, they cannot deny that male drivers have to pay higher insurance premiums than female drivers.

2. Vehicle Market Value
The market value of a car or the market value of a vehicle will decrease from year to year. It indirectly affects the price of car insurance premiums. Vehicles with high market value usually have more expensive car insurance premiums. For example, a Mazda CX-5 insurance premium (current market price estimated at around RM130,400) is usually more expensive than a Perodua Myvi insurance (current market price around RM41,000).

3. Vehicle Age
The premium of car insurance is also closely related to the year of the car’s production. The insurance premium for the latest car model is more expensive than a 2010 car model. This means, the older the vehicle, the cheaper the car insurance price is. Usually, cars that are 10 years old and above have more affordable insurance coverage than new cars. This factor is also indirectly affected by the price of the car in the current market.

4. Types of Insurance Coverage
The type of coverage you choose affects your insurance’s premium. A comprehensive coverage policy or first-party insurance is usually more expensive than the premium of third-party insurance. This is because a comprehensive coverage plan offers comprehensive coverage not only on third-party cars but also on your car. In contrast, third-party insurance coverage only offers basic coverage on third-party property.

5. Non-claim Discount
Non-claim Discount also known as NCD also affects the premium of the car. Vehicle owners who have not made any accident insurance claim five years in a row can enjoy a discount of up to a maximum of 55 per cent. NCD allows vehicle owners to get insurance coverage at lower premiums during car insurance renewal.

The following is an example of a comparison of payment rates for two same car models with different NCD rates as follows:

Situation 1:
Assume the current market value of car model A is RM40,000. It receives a car NCD value of 25 per cent. Car model A needs to pay RM938 for its new insurance premium.

Situation 2:
Assume that the current market value of car model B is the same as car model A. However, this car model receives 55 per cent of the NCD value. The insurance premium to be paid is RM368. In other words, the higher the NCD value of the car, the lower the premium of car insurance.

6. Car Engine Capacity
The capacity of the car’s engine also plays a role in determining the insurance premiums to be paid. The larger the engine capacity of the car, the higher the premium. The premium of a 2000 cc Honda car insurance is usually higher than a 1300 cc Proton Saga.

7. Location of Residence
The location also plays a role in influencing a vehicle’s insurance premiums. Generally, car insurance premiums in Peninsular Malaysia are more expensive or higher than car insurance premiums in Sabah and Sarawak. It is influenced by aspects of risk assessment that are higher in Peninsular Malaysia than in Sabah and Sarawak.

States with a high population density like Selangor, Kuala Lumpur and Johor happened to be the states with heavy traffic and high accident rates. This is contrary to the states with a low population such as Perlis, Terengganu and Kelantan. Due to this, insurance premiums vary based on locations such as Klang Valley (Selangor and Kuala Lumpur), and Johor is usually more expensive than insurance premiums in other states.

Also, if your area is prone to floods, you may be charged a higher premium rate by the insurance company. This is in the event your car is caught or submerged by the flood.

8. Driving Record
When you renew your car insurance, the insurance company will usually look into your driving history. If it is found that the car has been involved in an accident or has a record of traffic offences and so on, you will most likely be charged a higher premium rate. Hence why, you are advised to drive carefully and not only for personal safety, but to get a more affordable insurance premium.

9. Additional Policies
If you make any add-ons to your basic policy such as windshield insurance, special perils, etc., you will have to pay a higher premium. There are various additional insurance add-ons that you can choose according to your needs. You can get an insurance quote to determine the budget that fits the coverage you want.

Hopefully, with the help of this article, you can better understand the factors that affect the rate of your insurance premiums. If you are considering the best comprehensive car insurance with affordability on your side, visit Qoala for more info. Qoala is an insurtech insurance platform that provides various types of the best insurance in Malaysia with the guarantee of a safe, affordable and easy vehicle insurance purchase process.

Welcome to contact Yan 01162931683 for more enquiry, TQ