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Gagal Membayar Membayar Premium Insurans Kereta Blog Featured Image
Auto Insurance

Gagal Membayar Membayar Premium Insurans Kereta

Insurans kenderaan wajib untuk diperbaharui pada setiap tahun setiap kali pemilik kenderaan ingin memperbaharui cukai jalan. Tetapi terdapat beberapa situasi di mana pemilik gagal untuk memperbaharui premium mereka disebabkan terlupa atau mempunyai masalah kewangan. Walau apa juga alasannya, pemilik perlu...

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保险公司如何检查你的个人背景 Blog Featured Image
Video Series保险360

保险公司如何检查你的个人背景?

欢迎收看保险360, 我是 Cassandra。相信大家都知道每个人的保险费都不一样,保险公司是根据投保人资料进行分析,来归纳投保人属于高风险或低风险的驾驶者。一般上低风险者,投保人缴付比较少的保险费;高风险者需缴付较高的保险费,又或是因保险公司不愿承担其风险而拒绝提供保险。那么,保险公司又是以什么来衡量你属于高风险还是低风险呢?你所呈交到保险公司的资料,会有部门进行分析,保险公司也可能利用别的管道来检查和查实你所呈交的资料是否属实。普遍上,保险公司会依据基本的3点来检查你的个人背景。 第一、驾驶记录 在前几个视频曾经提过,你的驾驶记录是有决定性的因素来影响你的保险费高低。如果你一直维持良好的驾驶记录、无接受过罚单,保险公司都将你纳入为低风险群体。因此,你的保险费也会比较低。如果你曾经发生事故,事故过失因你而造成、曾经索取理赔、或是受过罚单,保险公司将会将你纳入高风险群体。因此,你的保险也会比较高。那你可能会问,保险公司又是如何得知这些记录呢?其实,保险公司会利用你所给予的身份证号码来向各单位来查实这些记录。你可能不知道,只要到特定的官方网站,你就可以通过身份证号码来查询身份证的主人是否接受过罚单、从而知道他的驾驶记录。 第二、信用记录 信用记录就是我们说的credit score了。信用记录是一个完整客观记录着你个人的收入、资产、贷款和偿还状态。你可能会问,为什么信用记录也会作为衡量标准?这是因为信用记录良好的人,一般都会有能力准时缴付款项。相反的,信用记录不太好的人,保险公司都会将此人列入高风险群体,因为此人很有可能无法缴付款项。同时,在前几集视频,我们也有聊过为什么信用记录也会列入一项能够影响保险费的原因。这是源自于美国保险研究院的副总经理,Michael Barry 所说的。他说,根据大部分的保险公司,会以研究报告显示,信用记录良好的人,对生活负责、处事谨慎,事故发生率降低,相对的索赔的几率也会大大减少。在马来西亚,保险公司可以向信用报告机构索取投保人的个人信用记录,而其中一个就是马来西亚国家银行属下的 Credit Bureau。 第三、犯罪记录 犯罪记录将显示出不仅仅是的你的驾驶犯罪记录,也显示出你过往被指控或定罪的罪行。一般上,保险公司无法从你的驾驶记录寻找到超过五年以上的驾驶记录。因此,如果你曾经报案或被指控危险驾驶,保险公司都会从犯罪记录内寻找到。保险公司会利用这个记录来分析前事故的严重性、事故发生的重复率,故而决定你的保险费。同样的,保险公司可以通过不同渠道来查询你的犯罪记录,其中一个能够查询犯罪记录的就是马来西亚皇家警察的网站上。 希望通过今天的视频,你已经了解保险公司是用了什么资料来决定你的保险费,同时也了解他们是如何查实你所呈交的资料。如果你喜欢我们的保险360系列,记得按赞与分享!记得订阅我们的频道还有开启小铃铛,这样你就不会错过新影片的通知。我们下次见!...

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Welcome To Your Malaysia One-stop Insurance Blog

Insurance is an essential aspect in terms of securing oneself in the event of a liability. Insurance isn’t treated as an investment, but rather as a hedge in the event of an unpredictable event. However, the same research that goes into investment also goes into insurance because it’s something that ends up having a financial impact (or otherwise) on you. And while an individual can secure various aspects of their lives through insurance, it can be hard to comb through information spread across various domains.

The Need For An Insurance Blog

Research into insurance can be an extensive and exhaustive process. Insurance research includes looking for the type of insurance you want first. A person has the option of life insurance, health insurance, travel insurance, motor insurance, car insurance, auto insurance, general insurance, office assets insurance, etc.) Then, it’s important to evaluate the sub-type of insurance you’re looking for, and the cover you’re looking for as well. Depending on the type of insurance, an individual will have several options to choose from and customize their insurance policies. After that, you need to analyze, compare, and evaluate the insurance options available at your disposal. You can only do so if you have information, analytics, and data that’s easily accessible to enable you to make an informed decision.

The Solution – FinCrew

As the need for insurance grew, so did the need for education and access to insurance information. And insurance buyers aren’t looking for just information. They’re looking for meaningful information so that they can make an informed decision. More often than not, these critical decisions lead to insurance purchases. We realized that insurance buyers have a hard time and limited options when buying insurance because of a lack of information made available to them. Fincrew was developed to bridge the gap of giving insurance buyers the information they’re looking for, important data points, and the latest news in one place. Whether you’re looking to buy new insurance, renew existing insurance, evaluate insurance and quotes, evaluate insurance providers, features of various insurance policies, read news impacting insurance policies, and more, the Fincrew blog has got you covered.

Fincrew insurance blog is dedicated to bringing you the latest insurance news, articles on insurance, and a guide to help insurance buyers evaluate and buy the best insurance suited to their needs. This means that any potential insurance policy buyer looking for information on any insurance can find it on Fincrew, one of the best insurance blog in Malaysia.

1. Insurance Guide

If you’re starting out and looking for information on the various types of insurance, our comprehensive insurance guide will help you understand, analyze, evaluate, and compare insurance in Malaysia. If a person is looking for life insurance, then they need to know what term life insurance is. Your insurance guide helps you understand the different insurance plans, insurance coverage, premium payments, annual limits, policy terms and conditions, and more in a comprehensive, yet easy to understand format.

2. Insurance Articles

The blog is also home to several various insurance topics covered in the form of in-depth articles on the Insurance Industry. The insurance articles break down and analyze various components that you need to be aware of when making an insurance decision. The articles are periodically updated to reflect the latest information so that viewers have access to the right information at all times. So you have access to information and articles based on car insurance, general insurance, health insurance, life insurance, motor insurance, the advantages of having insurance, or which provider may be a better insurance provider for you.

3. Insurance News Malaysia

The insurance industry is continuously developing, and much news-based information can impact how you avail insurance in Malaysia. It’s crucial to stay up-to-date with the latest insurance news, Malaysia. As this does have a bearing on your current or future policies. This includes news from corporations, agencies, media, the government, insurance providers, among many others. With extensive coverage of past events as well as current affairs, this section will help you understand how you can use this to make decisions in the present and future.

 

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