Want To Go Green? Here Are 8 Zero Waste Stores You Can Buy From
- By CompareHero.my
- January 10, 2022
It goes without saying that years of industrialisation have deeply affected our planet. Mass production of items have led to a surge in waste and as we all know, many of them end up in landfills and oceans.
If one of your New Year’s resolutions is to minimise waste or go no-waste altogether, shopping at zero waste stores is a good start. We’ve put together a list of some of these stories all around Malaysia. Let us know what you think and happy shopping!
Contents
1. Seedy Zero Waste Store
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Based in Shah Alam, Selangor, Seedy is a one-stop shop for many household items. You’ll find a wide range of organic foods, snacks and personal care products here, but all of them will be free of plastic packaging.
Want to shop here? Come with your own bags/containers between 10am-6pm from Tuesdays through Saturdays.
At the time of writing, they’re collecting plastic containers to pack cookies for Chinese New Year. If you have some clean containers at home, feel free to drop them off at the store!
Address: 9-1(Ground Floor) Suasana, 2, Jalan Anggerik Vanilla 31/93, Kota Kemuning, 40460 Shah Alam, Selangor.
Contact: 014-338 3890
2. Go Bulk
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Similar to Seedy, you can purchase cooking, cleaning and food products here. Once you’re in the store, you first need to weigh your container on one of their scales and stick the label it gives you on the container.
Next, fill in your container(s) with as much product as you like and then head over to the payment counter. There, your container will be weighed again and you can pay for what you took.
Go Bulk is based in Tamarind Square, Cyberjaya and these are their operating hours:
- Friday: 12-8pm
- Saturday & Sunday: 10am-6-pm
Address: E2-04-03, Tamarind Square, Persiaran Multimedia, Cyber 10, 63000 Cyberjaya, Selangor
Contact: 012-424 2894
3. Liquid Etc
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Said to be the first zero waste store in Klang, Selangor, Liquid Etc mainly focuses in selling detergents, soaps and cleaning products without the plastic packaging.
However, you’ll also find snacks, cutleries, personal hygiene products and so on. They also have products that your pets might enjoy!
If you’re based in Klang and would like to drop by, you can do so on all days of the week except Sundays from 11am to 6pm.
Address: No. 5, Jalan Rodat 3/KU5, Bandar Bukit Raja, 41050 Klang, Selangor.
Contact: 017-348 6722
4. The Hive Bulk Foods
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The Hive is the first and the largest zero waste store in Malaysia. Apart from food and household items, you can also purchase cosmetic and beauty products here!
They carry some big brands such as Amazin’ Graze and Rawganics too, so you’ll be spoilt for choice when shopping here. There’s an ongoing 25% sale for Chinese New Year, so go make the best of it!
The Hive is located in Bangsar, Kuala Lumpur and is open all 7 days a week from 9am-7pm.
Address: 92A, Lrg Maarof, Bangsar, 59000 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
Contact: 03-2202 0707
5. OWL Zero Waste Bulk Store
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Penang folks, this one’s for you!
Drop by OWL Zero Waste Bulk Store in Tanjung Bungah and you’re in for a visual treat. In this aesthetic store, you’ll find not only food items but also handmade soaps and bamboo utensils/self-care products.
This store is just one of two zero waste stores in Penang, so if you’re embarking on your mission to minimise waste, you should definitely pay them a visit. Their operating hours are from 10-am-6pm all days except Mondays.
Address: 12A, Lebuh Lembah Permai 4, 11200 Penang Island, Penang, Malaysia
Contact: 016-708 8846
6. Eco Genesis Inc
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We have another first here, as Eco Genesis Inc is the first zero-waste store and refill station in Sabah!
Stop by and get your fill of pretty bath and beauty products as well as sanitary items. Serums, bath gels, menstrual cups, oils and fragrances, you name it.
Interested in paying them a visit? Details are below!
Address: 1st Floor, Unit 78, Jalan Tun Fuad Stephens, Kota Kinabalu, 88000 Kota Kinabalu, Sabah
Contact: 011-5104 2278
7. Conzerve
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Besides Seedy, Conzerve is another zero-waste store that’s based in Shah Alam. Walk in to their store and you’ll find jars and jars of products you can get refills of.
But what’s even more interesting is that they also have workshops that are tied to minimalistic and zero-waste living. Recently, they had a tempeh-making workshop will fully organic items.
Address: R23A, Jalan Bazar U8/99, Bukit Jelutong, 40150 Shah Alam, Selangor
Contact: 011-2379 4327
8. NUDE The Waste Free Store
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In need of insect repellents and air purifiers? You’ll be able to get these here besides food, skincare products and detergents.
Some of the liquids sold here are biodegradable, which is even better! Much of their other products are also toxin-free, so if you have kids, this would be a great option. If you purchase skincare products in tiny jars, you can get RM2 off your next purchase if you return the jars.
Address: 11A, Jalan 19/29, Seksyen 19, 46300 Petaling Jaya, Selangor, Malaysia
Contact: 011-3773 9639
Enjoyed this read? You might like this next article on Instagrammable and affordable kitchenware you can get in Malaysia. Tap the link below to read!
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We Asked 5 People What Their New Year Resolutions Are In 2022. Here’s What They Said
- By CompareHero.my
- January 7, 2022
We’re now one week into 2022, or as you might see some people post on social media, ‘Chapter 7 of 365’. While it might not be popular practice anymore, many people still do set goals that they’d like to achieve in the new year.
Curious as to what kind of new year resolutions our fellow Malaysians would have, we interviewed five of our own staff here at CompareHero.my. Read on to find out what they told us.
Health & Fitness
Ask someone what their first New Year’s resolution would be, and it would very likely be something to do with health. That’s exactly what our first interviewee, Lydia, a Business Development Manager shared with us.
“To cook more at home and cut down on ordering food from outside. In terms of exercise, I’d also like to do sit-ups and brisk walking for at least 15 minutes everyday.”
Lydia went on to say that this year, she plans on devoting more time to self-care and general wellbeing.
And here’s a friendly reminder that your physical health isn’t the only thing to look after—your mental health is just as important, if not more.
Related: 11 Affordable Mental Health Service Providers In Malaysia
Finances
Money matters are as vital as health, so it’s no surprise that our next interviewee brought it up. Faheem, our Creative Designer and a father of two said:
“My goal is to save more, as we are planning to buy a new house and do some renovations. My daughter is also going to preschool, so I need to manage my finances differently next year.”
Being financially prudent is important, especially at a time like this. At CompareHero.my, we want to empower you to make great financial decisions. You can tap the link below to read more articles on practical financial tips:
Related: Money Tips by CompareHero.my
Family
Whether you have a full time job, are a stay at home parent or a student, we can all agree that life is hectic. In all that busyness, it can be difficult to dedicate more time to our loved ones. However, it’s good to still bond with them whenever possible.
This is what Hooi Yin, our Fulfilment Specialist wants to do:
“I want to create memories that will last a lifetime—whether it’s playing a game together, going on vacation or just sitting in the living room or around the table talking and laughing.”
Want to go someplace nice but easy on the wallet with your family? We’ve got a list of spots in Malaysia you might want to visit.
Related: 5 Tourist Attractions in Malaysia That Are Having Discounts & Promos
Career
When it comes to career goals, you would hear a lot of different answers as one person’s definition of a successful career wouldn’t be the same as the next person’s.
For some, it’s being promoted and getting a better salary, and for others, it could be just upskilling yourself and getting better at your job. Kelvin, our Content Lead shared that for him, it would be:
“To continue to learn & grow, challenging myself to outdo the man in the mirror. Recognition and rewards will come with consistency, hard work and innovativeness.”
Speaking of jobs, if you’d like some free career advice, check out these YouTube channels:
Related: 6 YouTube Channels You Can Subscribe To For Career Advice
Property
Homes are long-term investments, and they are often passed down to the next generation. Because of this, getting a home that is right for you and suited to your budget is crucial. Brand Technology Delivery Manager Thivakaran shared:
“Thinking of selling my condo and buying a landed property. In the long term, condos are more expensive and aren’t ideal if you’d like to have a bigger family.”
Currently have a property that you want to rent out but don’t know where to list it? Here are some suggestions for you!
Related: 7 Lesser Known Websites To List Your Property On
We hope you enjoyed this interview on New Year resolutions. If you’d like to read more interviews like this, feel free to check out this piece we did back in August 2021 on what Merdeka means to our CompareHero.my staff below.
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9 Best Shopping Credit Cards For Malaysians In 2022
- By CompareHero.my
- January 6, 2022
Are you an avid shopper who is looking for the best credit card to gain extra rewards and benefits? In this article, we listed 9 credit cards both for online and offline shopping you might need as a shopaholic.
Now, don’t get us wrong when we talk about shopping cards. We’re not encouraging you to be a shopaholic – instead, we believe that if you’re going to be spending anyway, might as well get rewarded for it!
So here are 9 credit cards that we love because they are incredibly rewarding:
Contents
- 1. Maybank Shopee Visa Platinum Credit Card
- 2. New AEON Gold Visa Credit Card
- 3. Lazada Citi Platinum MasterCard Credit Card
- 4. Alliance Bank Visa Platinum Credit Card
- 5. HSBC Platinum Mastercard Credit Card
- 6. Citi Rewards Mastercard Credit Card
- 7. Standard Chartered JustOne Platinum Mastercard Credit Card
- 8. Standard Chartered Smart Credit Card
- 9. UOB Lady’s Classic Mastercard
- Just remember, don’t spend beyond your means!
1. Maybank Shopee Visa Platinum Credit Card
Prefer shopping on Shopee over Lazada? Then this Maybank credit card is for you. The great thing about this card is that you can also accumulate Shopee Coins when you use the card for transactions outside the app!
Card benefits:
- 5X Shopee Coins on Shopee, Dining, Entertainment & Contactless Payments
- 5X Shopee coins on special days when spent on Shopee
- 1X Shopee coins for other transactions
- 5000 Welcome Shopee coins
Minimum salary: RM2,000
Annual fee: RM0, waived for life
LIMITED TIME OFFER; Bring home one of these fancy gadgets Oppo Enco Buds (W12), Ice Generation Gold Black or Targus Geolite Advance BackPack when you successfully apply, activate and spend with Maybank Credit Cards.
2. New AEON Gold Visa Credit Card
If you like cashback and points, you may find the AEON Gold Visa credit card perfect for you because it gives you the best of both worlds. It’s especially useful if you do most of your shopping in AEON, too.
Seeing as AEON covers everything from fresh produce to clothes to electrical items and health supplements, it’s possible that this card would reward you for spending on everything that you need.
Card benefits:
- 5% Cashback for AEON Store spend
- 2X AEON Member Points for AEON Store spend
- 3X access to Plaza Premium Lounges nationwide
- Up to RM200,000 travel insurance
Annual fee: RM95
Minimum salary: RM3,000
LIMITED TIME OFFER; Get your hands on the brand new Russell Taylors Air Fryer Z1G worth RM450 for FREE, or RM250 cash via DuitNow when you apply and spend with an AEON Credit Card today.
3. Lazada Citi Platinum MasterCard Credit Card
Don’t like shopping outside? Do most of your shopping online? Then this exclusive Citibank x Lazada card is for you.
Card benefits:
- 10X Citi Rewards Points for Lazada (including Lazada Wallet) spend
- 5X Citi Rewards Points for selected Citi Strategic Partner(s) spend & 1X for Other spend
- 1,000 bonus Citi Rewards Points with minimum RM1,500 monthly spend
- Offset Lazada spend via Citi Rewards Points
Annual fee: RM100 (waived for first 3 years upon approval)
Minimum salary: RM2,000
LIMITED TIME OFFER; Bring home a brand new Apple Watch SE worth RM1,199 or treat yourself with RM1,000 Cash via DuitNow when you apply, activate and spend with Citi Credit Card today!
4. Alliance Bank Visa Platinum Credit Card
Get rewarded with Timeless Bonus Points! That’s right, with no expiry date, Alliance Bank gives you the luxury to redeem your points and pamper yourself with awesome gifts anytime you want. These gifts include Ogawa iSPA Foot Steamer Massager, Ikea RM100 Gift Card (RM50 x 2), Samsung 65″ Smart 4K UHD Smart TV and more!
Card benefits:
- 8X Timeless Bonus Points for Online & eWallet spend
- 3X Timeless Bonus Points for Overseas & Dining spend
- 1X Timeless Bonus Points for Contactless, Entertainment, Auto-billing & Retail spend
- Annual Fee waiver for the first year (subsequent years will be waived with 12X swipe per year)
Annual fee: RM120
Minimum salary: RM2,000
LIMITED TIME OFFER; Claim your RM200 cash via DuitNow OR RM200 TnG eWallet credit when you successfully apply, activate, spend and sign up for Balance Transfer with Alliance Bank Credit Card. Enjoy 0% Balance Transfer for 12 months.
5. HSBC Platinum Mastercard Credit Card
Not only is this credit card rewarding for almost all types of spends, it even rewards you MORE if you choose to use contactless payments.
Card benefits:
- 8X Rewards Points for Contactless spend (Mastercard Tap&Go™, Visa payWave or Samsung Pay)
- 5X Rewards Points for Online, Overseas, Groceries spend & 1X for Other spend
- Exclusive deals & savings from special discounts to offers at more than 6,500 Shopping outlets nationwide
- 8X Monthly Rewards capped at RM3,000
Annual fee: RM240
Minimum salary: RM3,000
LIMITED TIME OFFER; Bring home a brand new Apple AirPods worth RM829 or RM400 TnG eWallet Credit when you apply, activate and spend with HSBC Credit Cards.
6. Citi Rewards Mastercard Credit Card
If you spend most of your shopping time in departmental stores and supermarkets, you’d find this Citi card very rewarding. One great thing about this card is that your Citi Reward points don’t expire so you can keep saving, and saving, and saving, and saving…
Card benefits:
- 5X Citi Rewards Points for Overseas spend and at AEON, AEON BiG, Marks & Spencer, Metrojaya, Parkson, Robinsons, Tangs, Isetan, B.I.G Ben’s Independent Grocer, Cold Storage, Everise, Giant, Jasons Food Hall, Jaya Grocer, Servay, Tesco, Village Grocer & many more
- 1X Citi Rewards Points for other spend
- Citi Rewards Points do not expire
- Unlimited access to Plaza Premium Lounge in KLIA
- Up to RM50,000 travel insurance
Annual fee: RM600 waived for first 3 years upon approval
Minimum salary: RM5,000
LIMITED TIME OFFER; Bring home a brand new Apple Watch SE worth RM1,199 or treat yourself with RM1,000 Cash via DuitNow when you apply, activate and spend with Citi Credit Card today!
7. Standard Chartered JustOne Platinum Mastercard Credit Card
This credit card features a surprisingly high cashback rate of 5%, 10%, and 15% depending on your monthly spend. The more you spend, the bigger your rewards.
Card benefits:
- 15% Cashback for RM2,500 minimum monthly spend
- 10% Cashback for RM1,500 minimum monthly spend, 5% for RM1,000 minimum monthly spend & 0.2% for other spend
- Exclusive merchants offers
Annual fee: RM250 (waived in the first year)
Minimum monthly salary: RM3,000
LIMITED TIME OFFER; Stand a chance to win RM200 TnG eWallet Credit OR RM200 Cash via DuitNow when you apply and activate your new Standard Chartered Credit Card today!
8. Standard Chartered Smart Credit Card
If you’re into the Buy Now, Pay Later payment instalment, then you’re going to love this! With Standard Chartered Smart Credit Card, you can convert any transaction above RM500 into three interest-free instalments easily online via FlexiPay Plus. Not only that, you can shop online worry-free with up to USD200 e-commerce purchase protection!
Card benefits:
- 0% Buy Now, Pay Later over 3 months
- Up to 15% Cashback on Favourite Merchants’ spend (Boost, FavePay, GrabPay, Lazada, Shopee, TaoBao, Touch ‘n’ Go e-wallet & Zalora)
- Up to 6% Cashback on Digital Lifestyle spend (Astro, Joox, iQIYI, Netflix, Playstation, Spotify & Steam)
- Annual Fee waiver for the first year (subsequent years will be waived with a minimum spend of RM12,000 per year)
Annual fee: RM120
Minimum monthly salary: RM3,000
LIMITED TIME OFFER; Stand a chance to win RM200 TnG eWallet Credit OR RM200 Cash via DuitNow when you apply and activate your new Standard Chartered Credit Card today!
9. UOB Lady’s Classic Mastercard
Made to empower women, UOB Lady’s Classic Mastercard doesn’t only give you the means to shop for your fashion needs but also provides Female Cancer Coverage up to RM200,000!
Card benefits:
- 10% Cashback for Weekend Fashion Purchases
Put your new luxury purchase (jewelry, shoes, or bags) worth RM2,000 or more on a 6 or 12-month 0% installment payment plan
Cashback & Rewards Points require a total monthly spend of RM300 and above
Annual fee: RM68
Minimum monthly salary: RM2,000
Curious to see more? Compare all credit cards here.
Just remember, don’t spend beyond your means!
Rewards may be great and all, but it’s never worth getting into debt. When you shop with your credit card, remember to always spend within your means and to constantly compare before settling on something for good.
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Car Motor Insurance Guide 2022: What Is The Best Car Insurance In Malaysia?
- By CompareHero.my
- January 5, 2022
Having a car motor insurance for your vehicle is compulsory. With many car insurance companies you can find here in Malaysia, which among all is the best one for you to buy? Read this complete guide to find out everything you need to know about car insurance before making your decision.
Here’s the breakdown of this guide:
Contents
As you head back to normalcy in a post-MCO world, it’s time to start up your engine and return to your usual routine again. However, have you checked if your car insurance policy has expired?
In this guide, we’ll run you through the simple basics of getting a car insurance and compare some of the top car insurance policies in Malaysia.
What is car insurance?
A car insurance is essentially a contract between you and the insurance company that provides you with financial protection against physical damage or bodily injury. This protection will only be applicable for traffic or vehicle-related incidents, and comes at a premium which must be paid annually.
Also widely referred to as auto insurance, vehicle insurance, and motor insurance, car insurance is a category which, like its name, only focuses on cars. Just for context, there are other types of motor insurance categories according to different vehicles, such as motorcycles, trucks, and buses.
Get the latest car insurance deals by submitting your interest today.
Why should you get car insurance?
Actually, it’s not really a matter of ‘should’ – it’s completely mandatory for all drivers in Malaysia to get a valid car insurance policy. Without that, you won’t be able to renew your road tax through the Road Transport Department (JPJ).
And without your road tax, you won’t be allowed to drive on Malaysian roads legally. If you get caught without a valid road tax, Section 14(4) of the Road Transport Act (RTA) 1987 would leave you with a fine of up to RM3,000.
Driving legally is just one part of the equation – the other would obviously be the protection you’ll get with a car insurance policy. You may be as skilled as Vin Diesel in Fast & Furious, but that doesn’t mean you won’t get into an accident. (Fun fact: they destroyed at least 1,500 cars in the entire Fast & Furious franchise. We assume they would need car insurance too.)
Having a car insurance policy means you and/or other parties in a road-related incident would be able to claim for damage repairs and physical injuries. While basic policies would typically only cover the other party, a more comprehensive policy would extend its coverage to your vehicle as well.
With a car insurance policy, you’ll be able to drive knowing that if anything happens, there’s always going to be some kind of financial assistance to fall back on. For more information on how car insurance works in Malaysia, you can read one of our earlier articles here.
Note: Promo ends on 31st January 2022.
What happens when you don’t renew your car insurance
Simply put, you’ll be in trouble. Legally, you’ll be breaking the Road Transport Act 1987 and you can be fined up to RM1,000 and/or spend up to three years behind bars. As we mentioned previously, there’s a RM3,000 fine if you’re caught driving without a valid road tax. Since you can’t renew your road tax without first renewing your car insurance, you’ll likely end up with both fines.
But that’s just the legal part of things. The other headache would come with the repairs. You will obviously have to fork out your own money to cover the costs of the damages to the other party (if you’re in the wrong) and yourself. You may or may not also have to pay for treatments for bodily injuries.
Not having a valid car insurance policy will eventually bite you back where it hurts (your wallet),so always make sure that your policy is up-to-date. It’s common to forget or procrastinate renewing it, so set a yearly reminder a month before your policy ends. To get more information about car insurance, you may click to submit your enquiries.
Types of car insurance in Malaysia
There are three main types of car insurance in Malaysia:
| Type of car insurance | Description |
| Third party | Most basic of all. Only covers the third party involved in the car accident. Basically, if you’re at fault, a third-party insurance would cover the cost of damage, death, and/or injury to the other party. |
| Third party, fire, and theft (a.k.a. 2nd party policy) | Everything above, plus coverage to your own vehicle if your car gets caught in fire, or gets stolen. |
| Comprehensive cover (a.k.a. 1st party policy) | Everything above, including fire and theft, plus coverage to your own car. |
However, if you’re keen on paying a higher premium for various add-ons, there are insurers who would also cover other reasons for damages (e.g. riots, floods, landslides, angry ex-partner with a hammer). To apply for that, you’ll only need to speak to your preferred insurer and they’ll be more than happy to share a policy that works for you.
Read also: Tips For Buying Car Insurance
How to renew car motor insurance
It’s actually really easy to renew your car insurance. You can either renew your car motor insurance through an insurance agent, directly at the insurer’s office, or online. Below are the steps:
Through an insurance agent
1. Contact your insurance agent.
2. Provide the agent with the necessary information (e.g. car chassis, engine number).
3. Your agent will calculate your premium cost and NCD according to the policy you choose and your claims history.
4. Make your payment and wait for the documents to be processed and handed over to you.
In most cases, your agent will also renew your road tax and deliver it to you. However, this may cost a little bit more as agents would typically take a percentage for their own cut.
At the insurance company
Going straight to the insurance company is a great idea, as some insurers are more than happy to provide discounts for such transactions. Here’s a step-by-step guide on how to renew your car motor insurance directly:
1. Determine your car market value and NCD percentage, if it is applicable to you. Remember that the valuation is only a guide. Actual values may vary depending on the condition of the car.
2. Prepare the necessary documents (e.g. insurance cover note, your existing insurance policy, and your car grant).
3. Go to any car insurance provider and get a quotation for your car insurance. If you are satisfied with the price quoted, you can make an upfront payment. You can get your car insurance policy within a day, but the original insurance policy will either be e-mailed or delivered to your house address.
4. Once you have renewed your car insurance, you can proceed to renew your road tax via MYEG, at a JPJ branch, or at the post office.
Online
As mentioned, you can also do this online. Here’s how to renew your car insurance online:
1. Go to MYEG’s website.
2. Prepare these information:
- Vehicle registration number and IC
- Type of vehicle
- CC – Engine capacity
- Year of manufacture
- Sum insured
3. You will then receive an email with the amount due for both insurance and road tax.
4. If you are satisfied with the quoted amount, click the “Proceed to Pay” button. Your insurance will then be renewed for you and your road tax will be delivered to you shortly.
You may also be wondering – how long is your car insurance valid for? Typically, your car insurance policy would last for a year. The same applies for your road tax too. Think of this as your birthday, but instead of getting a gift, you’re buying yourself protection. For more information about the latest car insurance, click to submit your interest now.
Read also: How To Renew Your Malaysian Car Insurance
How to check your NCD and more
Before you agree to a policy, there are three things to know before buying car insurance:
1. You car’s market price
If you didn’t know, your car value depreciates every year. Thankfully, there are many sites out there – such as MyCarInfo – with free tools to help you gauge the current value of your car.
With this important piece of information, your insurer will be able to come up with a price for your policy. Do note that insurers would also consider other factors before deciding on your total policy price, including the current condition of your car.
2. Over-insurance/Under-insurance
By first knowing the market value of your car, you’ll be able to determine whether or not the amount insured is sufficient to cover your losses.
If you insure your vehicle at an amount lower than its current market value (under-insure), you will only be partially compensated up to the amount you insured your car for.
On the other hand, if you insure your vehicle at a higher amount than its current worth (over-insure), the maximum compensation you will receive is the actual market value of the vehicle and not the amount you insured it for. That’s simply because as the policy owner, you cannot ‘profit’ from a motor insurance claim.
3. Check your No Claim Discount (NCD)
You may have heard of the term ‘NCD’ being thrown around when it comes to car insurance. It basically refers to a discount you’d get when you renew your car insurance IF you have not made any claims from your insurer.
You’ll only lose your NCD entitlement if you make a claim when you’re at fault in an accident. (The other party will claim against you.) However, if you’re not at fault, you get to claim from the other party. This means that your NCD entitlement will not be affected.
Here’s a table on the NCD rates for car insurance in Malaysia:
| Coverage duration | Discount |
| 1st year | 25% |
| 2nd year | 30% |
| 3rd year | 38.3% |
| 4th year | 45% |
| 5th year onwards | 55% |
As you can see, you can save a substantial amount of money if you avoid claiming from your insurer. This is also why many drivers would prefer to simply pay for repairs with their own money if they’re financially capable of doing so.
In case you have renewed your car insurance without taking into account your NCD entitlement, just inform your insurer and you should be able to get the excess payment refunded back to you.
Read also: How To Calculate Car Insurance Price In Malaysia
How to claim car insurance in Malaysia
We’ll be honest – this can get pretty tedious, so be prepared. Here’s a simple step-by-step guide on how to submit your car insurance claim:
1. Contact your insurance company ASAP
Let them know about what has just happened, and you’ll be guided on your immediate next steps. If you need a tow-truck, you can also ask your insurer to send one to you. (This is dependent on your policy, but most policies come with a free tow truck service.) You can also ask them for the location of their panel workshops to send your car for repairs.
2. Take evidence of the entire incident
Document everything with photos and videos of your vehicle and/or the other party’s vehicle. Take down their details too.
3. Make a police report
Head to the nearest police station to file a report within the next 24 hours. Filing a late report could incur a fine of RM300. You’ll also need to keep the report for your insurance claiming process.
4. Prepare the following documents for your claims
- Original copy of police report
- Original copy of investigation result by police
- Motor accident report form
- Claim form from insurance company
- Scanned image of the driver’s IC
- Scanned image of the policy holder’s IC
- Bill for the repair work
5. Submit the documents to your insurer and/or your panel workshop
An official insurance adjuster will come and assess the damage and cost to fix your car. Once the assessment is done, the panel workshop will be able to start fixing your car.
For an extended guide, read our article: Guide To Auto Insurance Claim Process In Malaysia.
Which is the best car insurance in Malaysia?
The best insurance would be one that meets your needs, so here’s a table comparing some of the top car insurance policies in Malaysia. To get the latest car insurance promotions and deals, click to submit your interest now.
*IMPORTANT: Items below represent some but not all features in the policy. Features are also subject to terms and conditions, such as your preferred premium level.
| Insurer | Snapshot of highlights | More info |
| Allianz Car Insurance |
| Go to website |
| MSIG Car Insurance |
| Go to website |
| AIG Car Insurance |
| Go to website |
| Zurich Car Insurance |
| Go to website |
| Etiqa Car Insurance |
| Go to website |
| Tokio Marine Car Insurance |
| Go to website |
| AXA Affin Car Insurance |
| Go to website |
| Takaful Car Insurance |
| Go to website |
| AmAssurance Car Insurance |
| Go to website |
| Kurnia Car Insurance |
| Go to website |
| RHB Car Insurance |
| Go to website |
| Berjaya Sompo Car Insurance |
| Go to website |
Want to see the best car insurance deals in Malaysia? Click the link below for more info!
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Best Cashback Credit Cards in Malaysia 2022
- By CompareHero.my
- January 4, 2022
Cashback credit cards can help reduce your daily expenses—as they give you rebates at supermarkets, department stores, petrol stations, convenience stores, and others places where you shop for daily necessities. Some credit cards also offer rebates for dining and entertainment.
However, how do you decide on which cashback credit card to get? Here, we have compiled a list of the best cashback credit cards in Malaysia. Check out their cashback rates and other rewards here.
| Credit card | Features | Requirements | Fees |
CIMB PETRONAS Mastercard®
RM2,000/month 7% RM0 |
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Citi Cash Back Card
RM3,000/month 10% RM120 |
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Standard Chartered Smart Credit Card
RM3,000/month 30% RM120 |
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Maybank 2 Gold Card
RM2,500/month 5% RM0 |
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HSBC Amanah MPower Visa Platinum Credit Card-i
RM3,000/month 8% RM240 |
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Lowest minimum monthly income requirement
Fresh graduates will be delighted to know that the CIMB Petronas Mastercard only requires its applicant to have a minimum monthly income of RM2,000 per month.
As someone who is entering the employment market, you most likely will need to buy your own car to commute to the office or run errands. This card can help you save money on petrol, as it offers up to 7% in cash rebate for Setel transactions at PETRONAS if you have a statement balance of RM1,500 and above.
You can also enjoy various perks at automobile-related stores such as Lim Tayar and Raytech CS. A selection of auto-related merchants will also offer a 0% easy payment plan, so be sure to check with the outlets.
Related: What’s The Right Credit Card for You? A Guide According To Your Life Stages
Ideal for fresh graduates, the CIMB Petronas Mastercard only requires its applicant to have a minimum monthly income of RM2,000.
Highest cashback rate
The Standard Chartered Smart credit card is the card to get if you are looking for a card with the highest cashback rate. Enjoy 30% cashback when you spend on Lazada, Shopee, Touch’ N Go eWallet, Boost, GrabPay, Boost, Taobao, FavePay, and Zalora. Besides shopping benefits, you can also receive up to 6% cashback when you make purchases on Netflix, Spotify, PlayStation, Steam, Astro, Joox, or iQIYI platform.
Related: Ultimate Guide To E-Wallet In Malaysia – Which Should You Get?
Lowest annual fee
CIMB PETRONAS Mastercard and Maybank 2 Gold card users do not have to pay any annual fees yearly, while the HSBC Amanah MPower Visa Platinum Credit Card-i charges an annual fee of RM240 a year. If you are a Citi Cash Back Card or Standard Chartered Smart Credit Card user, you’ll have to pay RM120 a year for each card.
Related: Credit Card 101: Everything You Need To Know About Credit Card
Lowest interest rate
Every card featured above has a similar interest rate, which is set at 15%. However, as long as you use your credit card wisely and pay your bills on time, you won’t have to worry about accumulating interest.
If you are looking for other cashback credit cards that suit your needs, feel free to visit our card comparison page. Apply for a card with us today and you could be rewarded with prizes and cash!
