Storm and Tempest Claim under Fire Insurance?

Storm and Tempest Claim under Fire Insurance?

Storm and Tempest Claim under Fire Insurance?What a title? Weird or insanity? It is the misperception for most of the public at large. Some of the general insurance agents often mislead the insured.

” No such thing” ” Nonsense” I often hear this when I give training to those general insurance agents.

” Nonsense” I often hear this when I give training to those general insurance agents.

To matter the worst, one veteran agent said” It is an act of God, no claim” Oh…oh

I was at sixth and seven could not believe what I heard.

If the agents are not aware such clause, it will advise their insured wrongly.

What are Storm and Tempest?

 A storm is defined as a violent atmospheric disturbance that produces severe winds, accompanied by rain, snow or hail or by thunder and lightning.

A tempest is an exceptionally severe storm.

What does it cover?

The insured is allowed to claim for damages that occur as a result of a severe weather event. It may include damage to the building structure. Or items within the building damaged by the storm (for example office equipment damaged by rain water after the collapsed roofing.

The policy excludes damage caused by a fire because any fire that broke out as a direct result of a storm would be covered under a fire policy.

It does not cover the consequential losses incurred as a result of any interruption caused to your business unless you take up business interruption cover.

What having Storm and Tempest cover means to you?

Your property is protected against the potentially very costly repairs due to storm and tempest.

The Average Clause

It is a penalty to the insured.
Let say, you claim is amounting to RM10,00o.00 for the building.
Your sum insured was RM100,000.00.  1% of RM100,000.00 would be RM1,000.00
Thus your claim would be RM10,000-RM200 =  RM 9,800.00
But if the actual sum insured of a building was RM200,000.00. You insured for RM100,000.00 which was under the insurance of 50%. The average shall apply in this scenario.
Thus the claim would be RM10,000.00 x50% – RM200.00 = TM4,800.00. The difference of RM5,000.00 being you act an own insurer.

“Average ” is an insurance term for the penalty for under insurance.  Some clients want to save some premium. Insured advises the agent put insuring a lesser amount.

A fierce storm hit Kluang on  2 June 2015 at 6.30pm.

One of the low-cost house. the storm blew off the whole roofing and wiring system.  The water wet the whole wiring system. The insurer paid the RM3,000.00 for the root top and RM5,000.00 for the wet wiring system respectively.
Another double terrace house, the tempest ripped part of the hall roofing and damaged the amplifier system. The insured satisfied with the claim of RM3,000.00 for the roofing.  But No payment for the amplifier.  On checking the policy, the insured only inserted furniture and fitting, plant and machinery instead of electrical appliances.

It is always advisable to include the storm and tempest endorsement for both the fire policy on building another for the content.

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Storm and Tempest Claim under Fire Insurance? 1
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Enough Sleep to Avoid the Car Accident in Malaysia

Enough Sleep to Avoid the Car Accident in Malaysia

Getting eight hours of sleep each night is a luxury for all of us. By having enough sleep to avoid the car accident in Malaysia

A total of 18 people died daily in road accidents nationwide 2015 in Malaysia. It is an alarm to note the  number of road accidents last year has also increased.

In 2014, there were 476,196 road accidents, while  in 2015,  489,606 accidents were reported – a spike by 2.74 per cent. The total number of accidents included 6,706 fatalities in 2015, as compared to 6,674 fatalities in 2014.

Malaysians are taking lightly the importance of sleep. Driving  from 2am to 4am, during that time, our body is preparing to sleep. Driving is going against it. The cognition and response are slower and wakefulness will not last as long as usual. Driving in the wee hours in the morning can lead to road accident especially the long distance express buses. Banned this practice.

30% of  the Malaysian bus drivers were found to have sleep disorders A test carried amongst 300 Malaysian bus drivers by the Road Safety Department and the Sleep Disorder Society Malaysia.

Tests have shown that people who sleep six hours instead of seven or eight  have poorer performance in mental alertness.

In view of the importance of sleep to health, the respective authorities should

–Ban wee-hour trips by express buses
— The Ministry of Health should have creates the campaign the awareness on sleep.

How much sleep is ‘enough’?

What are the effects of insufficient sleep? How are our bodies affected?

The following article sheds some light on the unpleasant, and sometimes dangerous, repercussions of not getting enough sleep each night.

Enough Sleep to Avoid the Car Accident in Malaysia 4

1. Sleepiness Causes Accidents

Sleep is a biological requirement that cannot be overcome with willpower, determination or training. A neuroscientist Prof Russell Foster, from the University of Oxford, said that a lack of sleep damages long-term health. It results in impaired brain skills similar to those observed under the influence of alcohol.

An adult with less five hours sleep has adverse effects. The effects are similar who drinks alcohol.  It includes general impairment of vision and coordination.

The distracted  driver on his morning commute, along with accidental microsleeps that entail dropping off when at the wheel. Besides,  causing road accidents, it may also damage the quality of crucial decisions made at work.

2. Sleep Loss Impairs Your Normal Thought Process

Sleep plays a critical role in the thinking and learning processes. Lack of sleep affects these cognitive abilities in several ways.

Firstly, it impairs attention, alertness, concentration, reasoning, and problem solving. This side effect reduced your learning and absorbing information efficiently.

Secondly, throughout the night, various sleep cycles play a key role in ‘consolidating’ memories. Insufficient sleep,  the information you have gathered throughout the day is not effectively stored in your short-term and long-term memory banks.  Resulting in memory gaps and a decline in cognitive ability and recollection.

3. Your Mood Could Swing All over the Place.

Besides,the impairing the ability to learn and process information.  The  decreased sleep also leads to “depression and anxiety in the long term,” advises Dianne Augelli, M.D., a sleep expert at New York Presbyterian Hospital and Weill Cornell Medicine in New York City.

The short-term effects of sleep deprivation, offer a false impression of an improvement in mood. Augelli counsels that the short-term elevation in mood “may be because certain neurotransmitters and hormones are released to keep you awake”.

She cautions that the borderline-euphoric feelings will not last and that they are to be regarded as early warning markers of damage caused by insufficient sleep.

Enough Sleep to Avoid the Car Accident in Malaysia 5

4. Your Blood Pressure Goes Up

In a landmark study of human sleep deprivation, University of Chicago researchers followed a group of student volunteers who slept only four hours nightly for six consecutive days.

The volunteers developed higher blood pressure and higher levels of cortisol, a stress hormone. To make the matter worst , volunteers also produced only half the usual number of antibodies to a flu vaccine. Some sleep-deprived students also showed signs of insulin resistance — a condition widely regarded as a precursor of type 2 diabetes and metabolic slowdown.

The changes were reversed when the student volunteers made up the hours of sleep they had lost. The Chicago study helps to explain why chronic sleep debt raises the risk of obesity, heart disease, stroke, and diabetes.

5. Your Skin Gets Stressed out, Too.

The aforementioned stress hormone, cortisol, is also responsible for moderating skin health and appearance.

Cortisol levels naturally decrease during sleep, says Joshua Zeichner, the director of  a cosmetic and clinical research in Dermatology at Mount Sinai Hospital in New York City. Low levels of cortisol allow skin to regenerate and protect itself. Lack of sleep, the cortisol levels stay high and skin is not allowed to perform its natural reparative tasks.

Higher cortisol levels,  also, increases the skin’s oil production capabilities, leaving you with a greasy appearance. Your face prone to a pimple break-out.

The above 5 are the side-effects of not getting enough sleep each night. Now that you’re sufficiently motivated to get the amount of sleep your body requires, increase your ‘ROI’ by finding out which positions would work best for you!

Your Sleep Needs Change Over the Years

How much sleep you need to stay healthy, alert, and active? It depends on your age and varies from person to person. Most adults need at least seven or more hours of sleep each night.

The National Sleep Foundation and a panel of 18 experts combed through more than 300 studies to identify the ideal amount of time a person needs to sleep according to their age:

  • Newborns (0 to 3 months): 14 to 17 hours of sleep
  • Infants (4 to 11 months): 12 to 15 hours of sleep
  • Toddlers (1 to 2 years): 11 to 14 hours of sleep
  • Preschoolers (3 to 5 years): 10 to 13 hours of sleep
  • School-aged children (6 to 13 years): 9 to 11 hours of sleep
  • Teenagers (14 to 17 years): 8 to 10 hours of sleep
  • Young adults (18 to 25 years): 7 to 9 hours of sleep
  • Adults (26 to 64 years): 7 to 9 hours of sleep
  • Older adults (65 years or older): 7 to 8 hours of sleep






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Tips for Filing Fire Insurance Claims

Tips for Filing Fire Insurance Claims

Tips for Filing Fire Insurance Claims.

As fires become an increasingly prevalent threat, especially during the hot season.  The insurer tries to deny liability in any way to cut down their fire loss ratio in the underwriting portfolio.  Insured need to familiar on how to make a fire claim.  Losing your home and personal belongings to a fire is already a devastating experience. Nobody wants a hard time dealing with the insurer on the claim. Here are some tips to follow when dealing with fire insurer on you claims

1. Ask for an advance against your ultimate fire insurance claim If you were forced to evacuate due to the dangerous conditions. Just grabbed your important  documents and some clothing. Don’t panic. Call your insurer for some advanced of money. You can purchase the  necessities without having to wait for the final settlement. Take care of your needs, but be sure to not go overboard. Be practical with what you buy, because the insurer can refuse to reimburse you for frivolous things. For example, if you need a pair of slacks and a dress shirt to work. This advance will be deducted from the final settlement. Don’t worry, No Interest will be charged for this advanced.

2. Make a list of everything you’ve lost and do not throw anything away.  Do it immediately as it is still fresh in your memory. The fire adjuster needs to see the fire damaged article even though it burnt to ash.  It is a proof to claim from the insurer. You are denying your own right to claim by discard away the damaged item.

3. File your claim right away, it is the duty of the insured either by inform the agent or insurer. Call the insurer to send the adjuster ASAP to assess the loss. The insurer requires you to submit a “proof of loss claim”. This is the form includes all of the items you lost, including their value. Your prompt action is especially important if there were many other homeowners affected by the fire.

The following is a list of information to include in your claim.

1. Date of loss.

2. Type of loss or damage.

3. Location of damage.

4. Any related injuries.

5. Others involved.

6.The condition of the home.

7. Description of damaged contents.

8. Whether or not temporarily repairs are necessary.

9. An original police report.

Dealing with the claim is a very convoluted process involving countless calls, emails, letters, and documents. Be sure to keep track of all communication and keep a copy of all documents and post office receipts of mailing. It plays safe to ask the insurer give back the acknowledged back copy for all the documents tender to them. This is to avoid the future dispute of not receiving the required documents.

4. Secure your property to mitigate damage The insurer requires you to take reasonable care of your property. Therefore, be sure that you secure your property from further damage. It is unnecessary for a total loss. However, where only one section of your home is damaged, be sure to take proactive measures in preventing further damage. The mitigating loss means reducing the amount of damage. Ways to mitigate loss  include

• Covering holes in the walls and roof to protect from “full theft”

• Boarding up or building a fence to prevent looters •

• Smoldering all embers.

• Moving property that is at risk of further damage (for example, moving the unharmed television out from underneath the hole in the ceiling).

5. Keep track of your living expenses. Your fire policy includes a clause called “loss of use,”   It means that the insurer reimburses you for your living expenses while displaced from your damaged home. Note, however, that you are only entitled to the difference between what it costs you while displaced and what it was costing you in your home. For example, if your monthly living expenses are $4,000 per month, but now you are having to add hotel stays, restaurant meals, laundry expenses, and extra petrol for your car, totaling an additional $1,000, your insurer company will only reimburse you the extra $1,000 per month. If you to stay with family members or friends instead of at a hotel. Sometimes, the insurance company will reimburse your host for the additional costs of your stay. Ask your host to itemize the additional costs. Take extra care to be reasonable and not frivolous, and be patient with your insurer should they want to negotiate with you for this cost. Politely remind the company that you are saving them a great amount of money in hotel and restaurant expenses by staying with loved ones.

6. Get the right repair estimates and keep receipts and documentation to everything. Filing fire insurance claims enables you to repair or even rebuild your damaged home. The reinstatement cost is  “Actual cash value” policies entitled you to the amount it would take to return your home, including its contents, to its before fire fair market value. “Replacement” policies entitled you to the amount it would take to replace the home and its contents, regardless of the value of what you lost. “Replacement” coverage does not require you to actually rebuild your home on the exact same lot. You can choose where you want to rebuild. So, long as it is the same value as your old lot, your insurance covers it. Of course, if you move to where the house more expensive, you will end up paying the difference. If you decide not to rebuild, but to invest the money in something completely unrelated, like a business or college fund, the “replacement” policy will become an “actual cash value” policy, providing you with about 15% less. The insurer requires an estimate of the fair market value or cost of replacement of damaged property before the fire. The insurer has in-house adjuster works in favor of the insurer. It is best to engage a reputable independent adjuster to deal with your insurer to determine the final sum of the claim.

7. It is a great mistake not continue paying your premium even though you filed a fire claim. The house owners’ policy including liability protection for your home, including pets.  The Animal also suffering stress too. Your beloved might chew your expensive bed. You can claim for the damaged bed too.If you stop paying the premium, sorry to say, there will be no claim for you.   Please bear mind to inform your new address to your insurer or agent.  Request to reduce the premium for vacant risk. Adjust this after your new home is built.

8. You might overlook in the initial claim. You can resubmit those omitted items to the insurer.  It is a common occurrence when there a mass destruction. In such a stressful and confusing time, it is likely that you may forget to list an item of value in your initial insurance claim. Give yourself some time. Protect yourself by waiting a few months before consenting to close your claim. It is your right not to close the claim so soon by sending them a letter thanking them for the payment, but asserting that you do not consider the claim closed.

9. If you are unable to reach an acceptable settlement after engaged your own independent estimator or contractor, consider hiring a public adjuster. Their role is to negotiate with the insurer on your behalf. The cost is worth it when hiring the public adjuster to help you to get a better compensation.

10. Don’t worry about losing your insurance coverage.  You would not be blacklisted,  unlike the car “habitual claimant” This is not the case. As long as you file your genuine claim with no element of fraud, the insurer will not penalize letting you in renewing your policy with them.  For more information, the following websites are extremely helpful to victims who need immediate help and answers



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Jamin Wong


Will Travel Insurance Cover Earthquakes?

Will-Travel-Insurance- over- arthquakes?

With the rising travel awareness, people fly more frequent than in the past. Will Travel Insurance Cover Earthquakes? The insured often asked the agent.  How to claim ?

Earthquake Zone
Earthquake Zone

>The insured should understand the coverage and benefits of their policy before buying an earthquake travel insurance. Besides, emergency medical and medical evacuation benefits, a lot of policies also have 24-hour emergency assistance.

Will Travel Insurance Cover Earthquakes?

If there are travel warnings and yet the insured ignore it and go ahead for the travel plan as scheduled.  The insurer can deny the liability.

 Is It Safe To Travel To Destinations Where Earthquakes Occur?

Major earthquakes occur only a few times a year. It is unlikely to occur during your short day visit. Additionally, it is easier to predict when and where an earthquake is likely to occur with the modern sophisticated technology.

 When You’re Not Covered

  • Travel against warnings: If you intentionally put yourself in danger and travel to a country or region against governmental travel advice. You act as an own insurer. No cover for you for anything that related to travel warning.  For instance, if you traveled to Turkey which is against terrorism warnings.  There is no cover for you.
  • Known events: Once an event is broadcast in the mass media (i.e. big tremors have begun, a snow storm is forecasted or a volcano has erupted).  You wouldn’t be eligible to buy a cover. Insurers will set cut-off dates, for instances, travelers affected by the Nepal earthquake who had purchased cover prior to April 25, 2015,  were eligible to claim. After the 25th, you could not get any cover for the Nepal earthquake event.
  • Insufficient cover: Remember that Basic (or medical only) policies would cover for any medical claims in regards to earthquakes, but would not cover travel delays, lost luggage or trip cancellation as a result of an earthquake.
  • Claim for any reason: There would be no cover if your existing travel plans were not directly affected by the earthquake or if you just had a change about your trip.
  • Accommodation cover: Hotel becomes uninhabitable due to earthquake damage, you can make a claim. You can not make a claim for any hotel, not meeting your expectations. for e.g instead of 5 stars hotel, you are given a 4 stars hotel.

When You Are Covered

When you bought your policy, the earthquake is not a known event, you can claim for

  • Cancellation (before you’ve left): Before departure,  You can claim the benefits when you are forced to cancel the trip.l Also, the full refund of premium if the policy was purchased prior to the cancellation).

Cancellation (when already abroad): Within the earthquake zone you can claim for the transportation cost from an uninhabitable hotel to a new hotel.Flight cancellation, you can claim for any additional flight costs.

Medical costs: The insurer pays for your injury medical expenses.  Earthquake is the directly caused.

Emergency medical evacuation and repatriation: When there is no local treatment available and you need to evacuate to the nearest medical hospital, the insurer pays all the costs including repatriation in the event of your death.

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Will Travel Insurance Cover Earthquakes? 6
Will Travel Insurance Cover Earthquakes? 7Will Travel Insurance Cover Earthquakes? 8

Natural Disasters Claim Tips:

Natural Disasters Claim Tips:

  • Get it down on paper: Flight cancellation or delayed , you need a written from your airline.
  • Contact your insurer: Check with your insurer for any additional cost for n flight and accommodations.

Keep receipts: You need to keep your original receipts , boarding passes, and credit card statements to claim from your insurer.

  • What Should I Do In An Earthquake?

    The devastating earthquake in Nepal killed and displaced thousands of people. Whilst a huge tremor this size is said to occur only once every hundred years. The catastrophic consequence was due to Nepal’s poorly built infrastructure. Prevention is better than cure, it is unlikely to get caught in an earthquake on holidays. With popular tourist destinations such as Japan, Nepal, and Indonesia all bearing the brunt of sizable earthquakes, it’s important to have the facts and understand all the necessary safety procedures.

Firstly, if you’re travelling to an earthquake-prone region you should buy travel insurance . You need to understand the fine print .  Knowing the emergency phone numbers procedures for the region and keep your passport and photo ID secured with you at all times. It is wise to have a backup plan while living oversea in an earthquake zone area.

Earthquake survival tips:  It is worth to understanding the local safety codes. For instance, with modern infrastructure countries , such as Japan, the best place to hide is under a table in the middle of a room.  On the other hand, in countries like Nepal with structurally unsound buildings, the rule of thumb is to evacuate immediately. Brushing up on the area’s safety procedures can make all the difference when it comes to your security.

Depending on the state of the  disaster area ,it is best to return  home immediately. Safe but stranded due to  cancelled flights and damaged infrastructure, you may incur significant accommodation and travel costs. The insurer will reimburse you  by travel insurance,It ’s advisable to keep any additional expenses to a reasonable minimum and retain your original receipts.

Even if you are a seasoned a traveller, an unpredictable event such as an earthquake can turn your holiday into a nightmare. Don’t forget to purchase a travel insurance and understanding any significant exclusions.  It is the first step in managing a natural disaster.

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Jamin Wong

Personal Accident Insurance Self-employed


Personal Accident Insurance Self-employed


Is it an essential to have personal accident insurance for self-employed.? It is Absolute Yes.

Own Boss

If you are self-employed or running your own business you will be only too aware No work No income. A significant impact to yourself and yours loved in the family while you have prolonged injuries. You are left high and dry without any sources of income to feed you and family members.  Isn’t it a tragedy?

Personal Accident Policy

The personal accident policy gives you a regular income should your absence from work due to an accident. AXA policy has a range of attractive benefits. It operatives 24 hours a day covering accidents that happen at home and at work. The policy pays for up to 104 weeks for the weekly benefit. It covers up to 75% weekly gross income.

 It is good to be you own boss by having a personal accident policy. It is an income replacement should an accident occur. The policy covers 24 hours a day at work and at home, activities like hobbies or sports. Covers all classes of occupations except hazardous.  It is a  worldwide cover including terrorism. The policies can vary considerably, and with restrictions sometimes apply.  Get an independent expert advice.

Accidental Death

If the insured die instantly in an accident, the next of kin of the insured shall receive the full sum insured. However, full payment will pay out if the insured die within 15 days after the accident, There is No payment if death occurs after 15 days of the accident,   Illness or sickness may be the main cause,  not the accident.


The insured may not able to perform the normal duty, either partially or wholly. Again, the claim is paid to insured who cannot work more than 6 months. If the policyholder is physically disabled, either partially or wholly, no claim is payable if the insured is able to work.


The policyholder loses both upper or lower limbs or eyes. He or she is entitled to claim under Accidental Dismemberment. There are certain norms for the payment of the sum insured. For example, if insured loses one hand or one leg, he or she would receive 50% of the sum insured. However, if both hands or one leg are severed, it is a full payment.

Hospitalization Expenses 

The insurer pays all hospitalization expenses due to an accident. Also, there is a daily cash allowance for the duration of hospitalization.

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Personal Accident Insurance Self-employed 9

Is it important to have Travel Insurance?

Is it important to have Travel Insurance?

Is it important to have Travel Insurance?

Today, it is a borderless world. People often using flight to travel for holiday or business trip.  Many travelers asked, ” Is it important to have travel insurance?” Travel insurance will ensure that you get proper medical care, all of your bills are taken care of and if you really need it then you’ll probably get a repatriate back your home country as part of the package.

Travel insurance not only covers accident but your expenses, flight delays, medical, transportation, lost of personal effect and even pickpockets.  Please check your policy details as the cover can vary between insurers and there might be cases where you need to report things such as theft to the police before you can make a claim.

What types of travel insurance are available?

The travel insurance policies depending on the type of trip you’re taking, your destination and duration, your age, hazard activities. The question is “How much travel insurance do I need?”

Types of Travel Insurance

a single person:  for a single person.

a family policy: for the whole family traveling together for that trip.

a group policy:  if a few of you are traveling together.

a single trip: for a single trip only.

annual policy:   if you travel a lot, then consider an annual policy that covers you for a number of different trips throughout the year. It saves a lot of money in the long run.

Certain sports, like skiing, can be covered provide the insurer agreed with an additional premium.Then you can just enjoy your holiday, without any worry.

What does travel insurance cover?

Travel insurance goes well beyond the simple medical cover, Travel insurance covers you if your holiday is cancelled altogether, you have to be brought back home early for any reason, delays due to the airline (in which case the airline may give you compensation too), loss while you’re away and most policies provide round the clock assistance too.

These 5 matters are just the basics. Travel to high-risk countries like the nations are in civil war or war-torn e.g Syria and Iraq. You would not get any coverage for visiting such nation.  You are traveling at your own risk. It is best to follow the  Foreign Office advises against travel to certain countries.

A cancellation can happen to anyone. Heavy snow- fall on the runway to torrential rain, staff strikes. The volcanic ash clouds the sky have caused people to lose their holidays or stranded at the airport. Your airline may compensate you if your flight is canceled but there is extra cover available through travel insurance to give you that additional peace of mind.

You could find yourself stranded at the airport in a foreign land due to whatsoever reason. The airline sometimes covers the local accommodation,  but there are not guarantees. In this situation, it is better to have a robust travel policy.

Cancellation doesn’t just cover flight cancellation, you are often covered if you or a family member fall ill before the departure and you can’t travel for medical reasons. Providing you weren’t aware of illness in the family when you took out a travel insurance policy. A sudden death in the family.  You could even claim a full amount of the holiday. With the claim money, you can plan the future vocation.

An emergency evacuation and repatriation from any part of the world.  It can cost tens of thousands of dollars, without even starting on emergency medical treatment at a hospital.

Protect your possessions too

Astray baggage,  lose the passport, credit cards, handphone, and other travel documents. The insurer provides 24-hour assistance on hand. It is a nightmare to deal by yourself. It is worth to have travel insurance give you a peace of mind

Is travel insurance a legal requirement?

No, It is not a compulsory to have travel insurance. Some tour operators will insist you have a policy in place before they confirm your travel, especially to countries like the US.  There is no public health service like our NHS.  You and loved one is properly covered on a trip overseas. Accidents can happen anywhere., anytime. It is very difficult to deal with on holiday in a foreign country. You simply cannot leave it to chance when the costs could be so high.

Of course, you might have completed cover in one of your many complimentary packages such as your life insurance, your credit cards or bank account. It better to play safe than sorry check them carefully before you go overseas. If you need to get extra cover then start a travel insurance quote and compare the best cover and prices for you on the market right now, see how much you can save!

Meet Jamin

Meet Jamin

Born in a beautiful valley undulating Kluang town in the heart of Johor. There is 400 plus coffee shop with a population 300K+. People enjoying afternoon coffee drinking which was inherited by the British planters.

People drink coffee to awake the whole night either to burn the midnight oil for student or some unfinished task. But I don’t enjoy coffee.

Coffee a sleeping pill?

But I don’t enjoy coffee. Why? If I suffer insomnia, I would  drink coffee retired to bed and sleeping like a log till the next morning. Coffee is a sleeping pill to me.  It sounds weird to many including my family members and my best buddies in the campus.

I sip black tea to stay awake the whole night. Burning midnight oil prior to the examination never exists in my dictionary.

” Hi, buddy , did you see Jamin around? one of my buddies  asked another hotel inmate.

“Why?” my friend asked him.

” I need his help to solve the General Average calculation.”

” He has gone for movie show just now” he gave my friend a bewildered look.

Peculiar Way

Prior a day before the examination, I hardly do any revision.  It is a way to reward myself  for a 3 months preparation. Also, movie helps me to relax  my mind. Stree and tension will lower your score in the examination. This is my belief.

MY Journey

Joining the shipping department of one of the conglomerate group

of the company under Robert Kuok.  In order to excel in my work, I pursued the Chartered Institute of Transport (UK) majoring in shipping via self-study. This gave an opportunity for me to have a high tea with HRH Princess Anne when she officially declared open the 1st MRT of Singapore in Nov 1987. HRH gracefully shook hand with all the top experts of the shipping industry from Singapore and Malaysia, of course including me too.

Seeing the sunrise and never see the sunset in the evening after 10 years.  I left the industry and started my own logistics company.

4 years down the road, my business getting more stable. One

day, one of my secondary senior asked  me to join Malaysia British Assurance Bhd.  It later merged with Allianz General Insurance Company(Malaysia) Bhd to open the marine market for this establishment in 1994.

Acquired more knowledge in the general insurance.  I enrolled for the AAII, MII  and, ACII one after another associate examination by self-study.

Passed with flying color even though I still ran my logistics company in the morning. It was  my term and conditions before being an employee of the insurer.

Boss in the morning, Corporate Marketing personnel in the afternoon and self-study student in the night. I took 3.5 years to clear the 19 subjects instead of 4. Isn’t it a surprise ?

Only attend the 6 days study conducting by  MII on Marine Insurance and Marine Hull one month before the final day.  The secret weapon of mine uses the subconscious mind to study while you are sleeping.

I received a gold medal from our ex-central bank of Malaysia governor Tan Sri Dato’ Sri Dr. Zeti Akhtar Aziz for scoring Distinction in the ACII final paper Marine Underwriting and Claim. The only recipient for the graduation ceremony held in  PutraWorl Trade Centre at Kuala Lumpur.

The Central Bank of Malaysia gave a Marine Adjuster Licenced a year later.

Successful Claim on gray area
  • A UK life insurer paid the full amount RM32,000. and
  • RM2,700.oo interest incurred for the delay the settlement.  The insured canceled the life policy after 1.5 years.
  • A composite insurer settled the full amount RM75,000.00 on cash- less medical policy. It denied the claim due the insured taking the  slimming pill from a general practitioner. It is an exclusion clause in the policy.
  • The insured had 2 separated policies  from the same insurer covering both identical products and incident.  A daylight hijacking.  The Motorolla handphone microchip consignment worthed RM900,000.00 was hijacked in 10 minutes while the box van parked at the Plus highway resting area.  The insured willing to pay RM250,000.00 for settlement, but refused to pay another RM500,000.00 policy. Finally, both policies responded.
Coaching and Seminar

A facilitator for Federation of Malaysian Manufacturers (FMM) for cargo insurance for shipper students. How to avoid subrogation clause to Pan-Malaysia Lorry Owner Association (PMLOA)?

I like to challenge the insurers on gray area on the claim matter. Keep learning and improving myself by sharing knowledge and coaching others examination candidates. It is my way of contributed back to the society.

How to buy car insurance online Malaysia Free Premium Calculator

How to buy car insurance online Malaysia free premium calculator


How to buy car insurance online Malaysia free premium calculator.

Types of Car Insurance Cover in Malaysia

CoverThird Party CoverThird Party, Fire & Theft CoverComprehensive Cover
Liabilities to the third party for:
  • Injury
  • Death
  • Property Loss / Damage
Loss/damage to own vehicle due to accidental fire/theft
Loss/damage to own vehicle due to accident
Liabilities to driver & passengers of own vehicle (passengers, bodily injury, death)


It is compulsory by law to buy a car insurance before your car can renew the yearly road tax. 3 types of car policies for the selection namely Third Party, Third Party with Fire & Theft and Comprehensive coverage. Their differentiate as follows-

The Third Party is the cheapest. It protects only third party car damage, driver and its passenger body injury and death due to the collision.

The cheaper third party fire and theft cover your car accidental caught fire or stolen and any other third party claim.

Comprehensive insurance is the darling of any insurer gives you the best coverage among all three. It is the All Risk cover.  Its covers third party liabilities claim besides your own car either damage, fire or stolen. Body injury, death to you and your passenger are too covered provided that you also purchase driver and passenger insurance.

Bank Negara Malaysia and the General  Insurance Association of Malaysia determine the premium rate and are subject to review on a yearly basis.

With an additional premium, to cover your car’s windscreen, expensive audio equipment, damage caused by civil unrest and others.

Three main factors affecting the basic premium.

Location. East Malaysia basic rate is cheaper than West Malaysia due to the “Quality” of the road condition.

Sum Insured.  It can be an agreed value or market value. An agreed value: if your car is a total loss and your agreed value sum insured was RM100,000.  The insurer pays you the full amount RM100,000.00, no question asks. Market Value sum insured, there is a deduction when claim incurs after your new car is used on the road even for a single day. Another penalty clause applies if the car is under-insured.

Let say you are insured RM75,000.00 instead of RM100,000.00.  Claim RM50,000.  You get RM50,000 x 75/100 = RM37,00.00 instead of the Rm50,000.00. The difference of Rm12,500.00 being a penalty to you for under-insured your own car. It is unwise to save a tree when you lost a jungle.

Cubic Capacity:   your car engine size.

No-Claim Discount

No-Claim Discount if the driver has not claimed from their policy for previous years. Start from 25% to 55%.


Loading. that will increase the premium needed for insurance. These are factors have directly or indirectly contributed especially the third party claim the high loss ratio for the car insurance portfolio of an insurer. Loading is the discretion of the insurer. It can waiver for less claim of the insured or insured has a non-motor policy with them.

Age of Driver: Drivers aged above 18 but at less than 26 and above 69.

Age of Car: Cars above the age of 10.

Claims Experience: Frequency of claims made and quantum of the amount claim.

Reconditioned or Second Hand Vehicles:  Adjusters will evaluate the condition of reconditioned or used cars.

High-Performance or Sports Vehicles: High performance or sports vehicles will incur additional Loading.

High-Risk Theft Vehicle: (HRTV)Cars listed in the HRTV list will incur additional Loading.

Optional coverage for  comprehensive coverage

Windscreen:  this cover for the windscreen for repairs or replacement without affecting your No-Claim Discount.

Audio and Accessories: cover when your car accessories are damaged. the insurer pays for repairs or replacement without affecting your No-Claim Discount.

Special Perils: In the event, if your car is damaged by acts of nature such as Floods, Landslides, earthquakes, strike, riot and civil commotion plus and tsunami.

The number of Authorized Drivers:  You have to Additional premium for increased number of drivers on the policy. Named driver two persons are free. The third driver pays additional of RM10.00, and the same rate applies for the next subsequent.   Never accept All Rider policy.  It is a penalty of RM400.00 for any accident claim regardless the quantum of the claim amount. Your ignorance spent is the insurer’s save.

Number of Seats: Charged additional premium if the car is more than 5 seats.

Gas Conversion Kit and Tank: This is to cover for Natural Gas Vehicle kit and tanks.

Legal Liabilities to Passengers: your passenger sues you for negligence.

Legal Liabilities of Passengers: It covers legal liabilities of your passengers for negligence.

Compensation for Assessed Repair: It compensates for yours the time lost while the car is in the workshop.  Range from RM50 to Rm100 per day.   The insurer will need to approve a higher amount.

Please above click the link for the free premium calculator.

All the car insurances are uUnderwritten by AXA Affin General Insurance Berhad.  Agent code: Mj32211.

All payment can be made use internet banking or interbank transfer to Axa Affin General Insurance Bhd MBB account no 5141 0520 6919 or pay by PayPal.  Please quote our agent code Mj32211 or contact us at +60 013 7839857 for any inquiries.

Renew Road Tax Online, Avoid Traffic Jam, Parking & Queue

Renew Road Tax Online, Avoid Traffic Jam, Parking & Queue

Renew Road Tax Online, Avoid Traffic Jam, Parking & Queue

Nowadays, it is a fin tech world, a click to renew road tax online, avoid the traffic jam, queue, and parking.

With the implementation of Myeg is the Malaysia e-government services provider, allowing us allows us to transact with various government agencies online. It is a fast and easy process for Renew road tax online and auto Insurance renewal.

Why use Myeg?

Delivery road tax disc your doorstep, without leaving home, convenient and hassle free. A service- provider creates time-saving, cost-effective and accessible at any time. Not only allow a user to pay other government related services online, also enjoy 30 % on their road tax. Renewal process no registration card requirement provided you have a valid car insurance policy in force.

Who can use this service?

Driver with a Malaysian registered vehicle with JPJ can use MyEG to renew their road tax, no registration of an account. Just log on to and fill in the fill in the J PJ Online Road Tax renewal e-form.

Easy step to renew road tax with MyEG


Please log on to and fill in the JPJ Online Road Tax renewal e-form.  Next, go to


Fill up the JPJ Online Road Tax renewal e-form.


After finishing the insurance details requirement, click proceeds.  MyEG system will verify your data through the JPJ system.


Make payments via

  • Credit or debit card – Visa or Master
  • FPX – Deduction from your bank account through FPX
  • Online Banking – Direct deduction from your Bank account (M2U and HLB)


The issue of E-Services receipt via email for a Successful transaction.

How do I receive my road tax after payment?

  • Delivery to your doorstep with charges levied as follows:
  • Klang Valley: RM6.00 (2 working days).
  • Peninsular Malaysia: RM8.00 (with 2-3 working days).
  • Sabah & Sarawak: RM10.00 (within 5 working days).
  • Express delivery (within Klang Valley): RM20 (within 6 hours) *T&C apply.
  • You have the Biometrics thumbprint for ALL DELIVERIES by MyEG Services Logistics Officers to verify and record the details of the receiver.
  • Faulty or unreadable identity card, the Logistics Officers will take a snapshot of the identity card to ensure that there is no dispute from the receiver.
  • Identity card uses for verification purpose.

Frequently Asked Question on MyEG Services

Do I need to print my Registration Card?

With MyEG, no need to print registration card, unless a claim, you can call us at 03-7801 8888, for an assistant to print the registration card. Otherwise, you may just continue to renew online again the following year.

Is it safe to renew my road tax online?

Yes, it is safe and secure, audited, verified and approved by Land Transport Department.  The Malaysian Government has given the mandate to MyEG Services to provide the online renewal services.

Can I renew my road tax if I have outstanding traffic summonses?

During the renewal process, Land Transport Department (JPJ) online service check any outstanding summons and blacklist records at both JPJ and PDRM’s database systems. To proceed with this renewal, ensure no outstanding traffic compound.

How do I make a claim damage?

AXA Affin General Insurance Berhad
Claims Hotline: Contact Number

(+603) 2170 8282 (Press 2 for Claims)

MYEG Customer Service

You may call the following numbers from Monday-Friday between 9.00am to 6.00pm.  Please call the Customer Service– 03-7801 8888 (Road Tax and Insurance Renewals).

Now Get your car road tax renewal online. Please visit

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Renew Road Tax Online, Avoid Traffic Jam, Parking & Queue 10

Renew Road Tax Online, Avoid Traffic Jam, Parking & Queue 11