How Much Can You Earn By Selling Ramly Burgers?
- By CompareHero.my
- February 18, 2021
If you are a burger addict, especially at odd hours of the night when it is almost time for your favourite drama, or you’re looking for one after a long day of work, the Ramly burger always saves the day. We can’t help but wonder, how much can we really earn from selling Ramly burgers?
Ramly Burger was founded in Malaysia in 1984, by Haji Ramli Mokni. The company’s main goal is to produce properly sourced, halal meat products. Besides burger patties, they also produce chicken wings, chicken nuggets, hot dogs, and even sauces.
However, many burger stalls today don’t necessarily use Ramly burger patties, the name has caught on amongst locals and no matter what type of patty used, it will always be a welcomed business because of its affordability and deliciousness.
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How much do you need to start a Ramly burger stall?
If you are setting up a stall in front of your house, you will need to begin by buying the equipment: a metal burger stall, a gas stove, a solid table, a fluorescent light and some cooking utensils. Most of which can be found at kitchen products distribution stores, warehouses or even Mudah.my (for second-hand goods).
Estimation of costs
You will need an initial start-up capital of RM5,000 to RM6,000 depending on the brands and prices of the utensils you get:
- Average price of a metal burger stall = RM2,000 to RM3,000
- Average price of a gas stove = RM200 – RM500
- Average price of a fluorescent light = Less than RM50
- Average price of cooking utensils = RM500 to RM800
You will also need to prepare some cash flow (RM200 to RM400 per month?) for raw materials:
- Buns
- Margarine
- Mayonnaise
- Cheese
- Ground white pepper
- Chilli sauce
- Worcestershire sauce
- Beef or chicken patty
- Egg
Related: Don’t make these 7 costly mistakes when taking out a personal loan
How many burgers can you sell in a day?
The number of burgers you can sell highly depends on the location of your stall and your quality (for sure), hence, we suggest you look at setting up stall within neighbourhood areas, nearby Mamak stalls, cyber cafes, apartments or even convenience stores. This way, you will have a higher chance of securing more customers.
On average, an ‘Ayam Special Burger’ is priced at RM4 to RM5 these days and you can sell up to 20 or 30 similarly priced burgers in one day (depending on the crowd), which makes the total revenue of the day at least RM80 a day. If you decided to operate every day (without a rest day), you are likely to make about RM2,400. To make more you need more customers or extend your selling hours during the weekend.
However, you will need to deduct your monthly operating costs from your revenue so you can get a clear picture of your net profit.
Estimated net profit per month
However, let’s not forget your initial startup cost. To break even, it might take you about 6-12 months. You can divide the initial start-up cost of RM5,000 by 6 months or 12 months and deduct that amount from your monthly revenue to get the real net profit.
For example, RM5,000 divided by 12 months = RM417.
This only applies until you break even. After the first 12 month period ended, you can use Formula 1 to calculate your net profit. If you ever need to buy new equipment or utensil for upgrades, you can always use Formula 2 to decide your break-even period, revenue estimation as well as net profit within the period.
Pros and cons of selling Ramly burgers in Malaysia
Like many careers, you will need to think this through before deciding to jump in. We compiled both positives and negatives so you can have a better picture before making your decision.
Pros:
- A flexible schedule. You get to decide your opening hours and location considering the small size of a burger stall.
- You can interact with people in your neighbourhood. This is a good way to know your neighbours and the wider community.
- On a good day, you can sell as high as 50 burgers if you are fast and hard working When there’s a big game on, like a football match or badminton tournament, you can expect a healthy number of customers and extend your operating hours to earn more than usual.
- You make your own rules. Whether it is outfits, standard procedures or closing earlier than usual, you get to make the call as an owner. You can even do this as a part-time business after your 9-5 job.
Cons:
- The inconsistent number of customers. You cannot expect to make the same amount of money two days in a row, and this can cause headaches over time as it will be a challenge to estimate your income.
- The weather can work against you. Heavy rain or storms not only keep your customers away, but it can cause physical damage to your stall if the weather is hectic enough.
- Safety and security concerns. You might want to consider the safety and security matters of the location before opening a burger stall. This is to ensure you don’t lose all your money you make a whole night to theft.
- You will need to break even in the first year of your business which can be stressful. Or else, it might not even worth the effort to continue if you do not make a profit.
Should you run a Ramly Burger stall?
Yes, you should if you meet these requirements:
- You can afford the RM5,000 – RM6,000 start-up costs
- You have the flexibility of time to commit to operating your Ramly burger
- You can afford to make monthly repayments to your personal loan, if necessary. Check out the monthly installments here based on the loan amount you need.
- You are good at cooking and have a great customer service.
Need cash to start your business? Check out the best personal loans with the lowest interest rates now!
Do you want to know more insights on how to save money or making more? Make sure you check out CompareHero.my’s blog from time to time to get the latest news. Let us know if you have more question or comment below.
Disclaimer: Neither CompareHero.my nor the content on it is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The content on CompareHero.my is for general information purposes only and is not intended to be personalised investment advice or a solicitation for the purchase or sale of securities.
Compargo Malaysia Sdn. Bhd. and/or its affiliates cannot and do not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. CompareHero.my may receive compensation from the brands or services mentioned on this website.
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Panduan Berniaga Bisnes Food Truck Di Malaysia
- By CompareHero.my
Perniagaan dengan menggunakan food truck, atau trak makanan, semakin popular di Malaysia, dan dijangka akan mengubah prospek kulinari di negara ini.
Setakat ini, terdapat lebih kurang 130 pengusaha trak makanan di Selangor dan angka itu dijangka akan berganda menjelang 2018, menurut Amirudin Shari, EXCO Pembangunan Generasi Muda, Sukan, Kebudayaan & Pembangunan Usahawan Selangor. Kenyataan ini turut disokong statista.com yang menganggarkan peningkatan industri F&B secara umumnya di Malaysia untuk tahun-tahun mendatang.
Walaupun dilihat sebagai sesuatu yang baharu, budaya ini sebenarnya tidaklah terlalu asing di Malaysia. Anda sudah tentu pernah melihat penjaja yang berniaga melalui trak mini, menjual makanan seperti pisang goreng atau lok lok. Sedikit pembaharuan yang ditambah termasuklah kualiti kenderaan, peralatan, dan juga pilihan makanan yang dijual.
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Panduan trak makanan oleh kerajaan
Dengan bilangan pengusaha trak makan yang meningkat, kerajaan telah bertindak untuk merangka undang-undang untuk memastikan kualiti dan struktur industri ini tersusun, seperti yang dilaporkan oleh The Malay Mail.
Bagi mereka yang ingin terlibat dalam industry trak makanan, anda perlu membeli dan menyelenggara trak makanan terlebih dahulu. Kami akan senaraikan kos yang bakal dihadapi untuk membantu anda membuat persediaan.
Anggaran kos
Malaysian Food Truck, sebuah halaman di Facebook yang menyediakan sokongan untuk pengusaha yang akan atau sedang menceburi perniagaan trak makanan memberi anggaran berikut untuk kos yang perlu dihadapi untuk beberapa tahun permulaan perniagaan.
Yuran permit
Untuk mula berniaga, anda perlu mendapatkan dokumen pendaftaran perniagaan dari Syarikat Suruhanjaya Malaysia (SSM) (RM100) dan juga lessen GDL (RM500). Selain itu, anda juga perlu memohon permit perniagaan dari majlis bandaran di lokasi perniagaan trak makanan tersebut. Permit ini boleh mencecah RM1,080 dan perlu diperbaharui setiap 6 bulan.
Tips: Jika anda ingin berniaga di beberapa lokasi yang berbeza, anda perlu memohon lebih dari satu permit.
Kos operasi
Untuk menarik pelanggan dan memastikan mereka menjadi pelanggan tetap, anda perlu menyediakan menu yang sedap dan menarik. Tidak dilupakan juga, sepanduk penanda dengan rekaan yang unik, dengan anggaran kos RM300.
Anggatan kos untuk bahan-bahan mentah masakan sekitar RM20,250 sebulan jika kos untuk satu hidangan ialah:
(RM4.00 untuk makanan + RM0.50 bungkusan) x 150 bungkusan sehari x 30 hari
Anda juga dinasihatkan untuk memperuntukkan RM3,000 sebagai simpanan kecemasan, dan RM300 untuk kos penyelengaraan.
Trak
Harga trak makanan yang lengkap dengan semua peralatan memasak antara RM100,000 dan RM150,000, menurut Star2.com. Selepas menyediakan trak anda, kenderaan itu perlu melalui pemeriksaan PUSPAKOM.
Tips: Majlis Amanah Rakyat (MARA) menyediakan program Skim Pembiayaan Peningkatan Perniagaan (SPiM) (termasuklah modal dan bimbingan) untuk usahawan dalam bidang perniagaan trak makanan. Pemohon perlu memenuhi syarat tersebut:
- status berniaga kurang dari 6 bulan
- mempunyai pengalaman dan pengetahuan dalam bidang perniagaan dan perusahaan yang dijalankan
- pernah menjalankan perniagaan
- dikehendaki mengikuti kursus keusahawanan anjuran MARA atau agensi lain yang diiktiraf.
Pendapatan
Berdasarkan maklumat dari cilisos.my, pendapatan yang diperoleh boleh mencecah RM45,000 sebulan!
Jika anda menjual makanan pada harga RM10 untuk satu set, ini bermakna sebanyak 4500 set perlu dijual dalam masa sebulan (150 sehari, jika anda berniaga setiap hari). Anda juga boleh menjana pendapatan tambahan dengan menawarkan khidmat katering. Menurut laporan Star2.com, keuntungan yang anda boleh perolehi untuk satu majlis kecil adalah sekitar RM1,000 – RM1,500, dan untuk majlis besar sehingga RM8,000.
Pengiraan untung bersih (anggaran)
Dengan mengambil kira kos serta pendapatan di atas, dan katakan anda memulakan perniagaan dengan pinjaman RM125,900 pada kadar faedah 7% setahun dan tempoh bayaran balik selama 5 tahun.
| Anggaran Keuntungan | |||
| Perbelanjaan Awal | Anggaran Kos Pendahuluan (RM) | ||
| Pendaftaran SSM | 100 | ||
| Lesen GDL | 500 | ||
| Menu dan sepanduk iklan | 300 | ||
| Trak makanan | 125,000 | ||
| Jumlah | 125,900 | ||
| Perbelanjaan | Kos Bulanan (RM) | ||
| Caj tahunan GDL | 2 | ||
| Peruntukan kecemasan | 3,000 | ||
| Bahan mentah | 18,000 | ||
| Pembungkusan | 2,250 | ||
| Penyelenggaraan | 300 | ||
| Bayaran balik pinjaman (trak makanan) | 2,833 | ||
| Permit perniagaan (majlis perbandaran) | 180 | ||
| Jumlah kos bulanan | 26,565 | ||
| Pendapatan sebulan | 45,000 | ||
| Jumlah untung bersih sebulan | 18,435 | ||
Potensi cerah perniagaan trak makanan
Potensi perniagaan trak makanan adalah cerah, ditambah pula dengan permintaan yang semakin meningkat untuk hidangan unik, yang biasanya ditawarkan oleh trak makanan. Para penganalisa pasaran turut menjangkakan kehadiran trak makanan akan memperkenalkan satu ‘warna’ dan budaya positif terhadap industri makanan di Malaysia.
Jika anda mampu menjadi sebahagian dari budaya positif ini, ianya boleh menawarkan keuntungan dan kepuasan. Mungkin antara kelemahan dalam perniagaan ini hanyalah untuk peniaga restoran yang bakal kehilangan pelanggan. Tetapi, kelebihan positif lebih banyak dari faktor negative.
Seperti yang dinyatakan diatas, anda boleh menjana keuntungan puluhan ribu Ringgit, tetapi sudah tentulah usaha keras diperlukan untuk mencapai jumlah tersebut, selain mampu untuk memenuhi permintaan katering majlis keramaian. Hati-hati juga agar tidak terpedaya dan sentiasa bersedia untuk kecemasan. Jika anda merancang untuk memohon pinjaman, bandingkan pinjaman terbaik untuk memulakan perniagaan dengan aplikasi perbandingan percuma kami!
Disclaimer: Neither CompareHero.my nor the content on it is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The content on CompareHero.my is for general information purposes only and is not intended to be personalised investment advice or a solicitation for the purchase or sale of securities.
Compargo Malaysia Sdn. Bhd. and/or its affiliates cannot and do not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. CompareHero.my may receive compensation from the brands or services mentioned on this website.
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7 Investment Lessons You Should Learn From Successful Investors
- By CompareHero.my
Are you planning to invest? Here are some tips from successful investors so that you can apply them when you start to invest your hard-earned money.
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1. Have an investment philosophy
“Opportunities come infrequently. When it rains gold, put out the bucket, not the thimble” those are the words of wisdom from perhaps one of the greatest modern day investors Warren Buffet.
Warren Buffett’s investment philosophy has always been about strong conviction. He understands the business and if he considers it worthy, he bets big on it. Lot of novice investors try to copy it, without actually having the acumen of Buffett, and lose money.
People who don’t have an investment philosophy to guide them can go after fads and trends and these are not stable in the long term.
Related: 7 Smart Ways To Invest And Grow RM10,000
2. Loss minimisation works too
Benjamin Graham’s The Intelligent Investor: The Definitive Book on Value Investing preaches the philosophy of loss minimisation over profit maximisation as an investment strategy. Graham wants investors to develop a rational plan when investing in stocks and bonds that is shielded from emotional behaviour that could manifest during bull and bear markets. Warren Buffett called Graham’s book the “best book on investing ever written.”
3. Invest in stocks
Speaking of Warren Buffett, the Berkshire Hathaway Chairman and legendary investor is a fan of investing in stocks. He told USA Today that “the nice thing about investing in stocks is that, over time, equities are going to do well.” Buffett’s view of stocks is supported by CNN Money guide on investment basics that pointed out how stocks “have historically outperformed all other investments.” Over the long term, stocks have returned close to 10%. Bonds are the next best performing asset class according to CNN Money.
Related: 7 Dummy-Proof Ways You Can Start Investing Your Money
4. Own low-cost index funds
Buffett does not recommend that investors try to pick winning stocks. He advises investors to “own a cross sector of businesses that in aggregate are bound to do well.” This can be done by investing in low-cost index funds. In fact, Buffett has instructed his trustees to invest 90% of the cash for his wife into a low-cost S&P index fund if he passes away.
5. Take the long term view
Buffett also recommends stocks as a long-term investment so he ignores the macroeconomics and political environments that could make the stock price move in the short term. Buffett always looks at stocks as owning a piece of a business so he looks at the earning potential of these businesses over the next five years or more.
6. Try to Avoid Fees
Broker fees can eat away at your investment’s returns, that’s why Buffett is a fan of low-cost index funds. Fund manager Peter Lynch and author of Learn to Earn: A Beginner’s Guide to the Basics of Investing and Business tells readers in the book about “direct investment programs” wherein investors can invest directly from the company and the investor gets to buy more shares every month without paying fees and without a broker. Investors need to do their research about which company is best to invest in first before going with this strategy.
Related: 10 Things Successful Investors Don’t Do
7. Know if the company has a solution that improves customers’ lives
But which company should you invest in, you ask? Successful entrepreneur and investor Richard Branson shared his advice that could guide you in figuring out which one to invest in, particularly if you want to invest in startups. Branson says that if he understands a startup’s product or service at first glance, then customers will also understand it. If the product or service solves a problem, then there’s a good chance that some will buy the product or service. By extension, Branson’s idea can be applied to established companies: ask yourself if the company’s product or service is improving the lives of many before you invest in it.
Learning from others who have been successful in their field can provide a blueprint on how to become successful in your own way. Investors can look up to the likes of Warren Buffett, Peter Lynch, Richard Branson, George Soros, and Benjamin Graham to get ideas on how to become successful. Do your research on the stocks available and the companies behind them before you make an investment and make sure that you understand the risks so that you can maximise profits and minimise losses in your investment.
Related: What Should You Invest in During a Recession? An Expert Weighs In
Disclaimer: Neither CompareHero.my nor the content on it is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The content on CompareHero.my is for general information purposes only and is not intended to be personalised investment advice or a solicitation for the purchase or sale of securities.
Compargo Malaysia Sdn. Bhd. and/or its affiliates cannot and do not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. CompareHero.my may receive compensation from the brands or services mentioned on this website.
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5 Examples Of Car Insurance Fraud That You Must Know
- By CompareHero.my
- February 17, 2021
It is important to be familiar with the type of car insurance fraud and road scams so that you know what to do when facing such situations. Read below to find out some common examples of car insurance fraud in Malaysia.
We’ve seen the news and social media postings where victims share their experience encountering car insurance fraud and road scams. You may even have friends or family members who have faced fraudsters — those who want to cheat the system and make money from such false claims.
Although most of us have car insurance, we may not understand the underlying rules and conditions that the insurers put into the policy. This situation allows fraudsters to take advantage of our lack of knowledge and use it to make illegal profit through trickery.
Some cases of car insurance fraud may be difficult to spot and you could be committing them without realising it. In this article, we share with you some examples of car insurance fraud and road scams in Malaysia, how you can watch out for them and, most importantly, not becoming a victim.
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Related: 8 Common Mistakes People Make When Buying Car Insurance
What is car insurance fraud?
Motor or auto insurance fraud is when someone makes a fraudulent insurance claim in return for payment. It involves filing false or exaggerated claims involving vehicle damage or personal injuries following an accident.
There are two main categories of auto insurance fraud:
- Hard insurance fraud: Creating a fake situation to file for an insurance claim. A common example is when someone stages a car accident.
- Soft insurance fraud: Exaggerating the damages or expenses involved in car insurance claims. A common example is when someone makes unnecessary repairs at the workshop with the goal of charging the insurer a higher bill.
Related: The Cost Of Getting Car Insurance In Malaysia
Six types of car insurance fraud and road scams
Here’s a list of car insurance fraud and road scams, and what to do if you fall prey to the situation:
1. Tow truck scams
If your car broke down on the side of the road, do not allow a towing company to take your car unless you called them.
A tow truck scam is considered to be the most common road scam in Malaysia. The scammers would usually leave debris, oil, metal nails or glass shards on the road and wait for any potential victims to fall into the trap — those who fall for this trap would lose control of their vehicle and get into an accident.
If you’re involved in this type of situation, a tow truck will suddenly appear to assist you just minutes after the accident. They would offer to provide towing service at a ridiculous price that could cost you up to thousands of ringgit. The scammers would try to persuade and pressure you to use their towing service, especially when your car is obstructing the road.
An even worse scenario to be in is when you don’t have another option, and are forced to agree with their offer. They would secretly tow your car to their own workshop instead of the police station or the panel workshop approved by your insurance company. Once you’ve reached this far, they would take advantage of the situation and force you to pay another sum of money for your car to be released.
2. Staged or fake accidents
Fake car accidents are set up by fraudsters who are looking to commit car insurance fraud or file a fraudulent personal injury claim.
Staged or fake accidents can happen while you’re driving, reversing or parking your car.
For example, the scammer will suddenly appear in their car behind you while you’re reversing, making it look like you crashed into them. Your car only bears little to no damage while the scammer’s car would appear to be in a bad condition. They will blame you for the damage and pressure you to go to the police station, in which the scammer allegedly has a secret connection with the policemen in charge and forces you to pay for summons. The scammer will also then try to force you to pay for the damage repair through an insurance policy.
3. Emergency brake scams
Emergency break scammers would taunt you by speeding up their car and then slam on their brakes several times until you hit them.
Similar to the above situation; the scammer will purposely speed up their car and slam on their brakes numerous times until you hit the back of their car. If you didn’t know, in most cases, whoever hits a vehicle from the back will always be at fault. However, you may not be entirely at fault for the collision if you have witnesses or proofs of what actually happened. The scammers do this to extort money from victims for repair and medical costs.
4. Overstating the claim amount
Overstating or exaggerating an insurance claim is a crime.
After you’ve been involved in an accident, you would want to claim the amount of loss from your insurance company. Dishonest policyholders may take the opportunity to incorporate damage costs that are not from the accident. This would lead to higher costs reported in the bill for repairs than what was actually paid.
Although you could convince the mechanic to work with you on this illegal mission, exaggerating the amount of loss in your car insurance claim is considered insurance fraud. If you’re found guilty, you will be charged with a higher insurance premium in the future.
5. Claiming under another driver’s name
You will have to bear a compulsory excess of RM400 when making a claim if your car was being driven by someone who is not named in your insurance policy.
If your car was involved in an accident while it was being driven by your cousin (who is not registered as Named Driver in your insurance policy), you will have to bear a compulsory excess of RM400 when making a claim.
Wanting to avoid that exorbitant additional fee, you decide to list your name as the responsible driver in your claim. If you’re caught faking the driver’s identity, your policy may be cancelled and legal actions can be taken against you for filing fraudulent claims.
Related: How To File An Auto Insurance Claim In Malaysia
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Cara Untuk Memperbaharui Insurans Kereta Dan Road Tax Anda Di Malaysia
- By CompareHero.my
- February 15, 2021
Jika anda memiliki kereta, memperbaharui insurans kereta antara tanggungjawab yang perlu dilakukan setiap tahun. Berikut merupakan perkara penting yang perlu anda ambil perhatian dan juga cara untuk menjimatkan kos sewaktu memperbaharui insurans kereta anda.
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Renew sendiri atau guna khidmat ejen insurans?
Anda mempunyai dua pilihan untuk memperbaharui insurans kereta – anda boleh memperbaharuinya sendiri, ataupun dengan bantuan ejen insurans.
Dengan menggunakan ejen insurans, anda perlu memberikan semua maklumat yang diperlukan (seperti casis kereta dan nombor enjin), dan membuat bayaran. Ejen akan mengendalikan semua proses pembaharuan insurans kereta anda. Kos bayaran akan ditentukan oleh nilai semasa kereta anda, dan jenis perlindungan yang dipilih. Kebiasaanya, ejen insurans akan turut memperbaharui cukai jalan kereta anda. Tetapi, langkah menggunakan ejen insurans akan mendatangkan kos lebih tinggi kerana ejen insurans akan mengenakan caj perkhidmatan.
Jika anda berurusan terus dengan syarikat insurans untuk memperbaharui insurans kereta, anda akan menikmati diskaun sehingga 10%. Berikut merupakan langkah-langkah yang perlu diambil:
- Tentukan nilai semasa kereta (boleh rujuk di laman web MyCarInfo) dan periksa peratus No Claim Discount (NCD) yang layak untuk anda. Anda kemudian boleh dapatkan anggaran kasar kos insurans untuk kereta tersebut. Namun, ingat bahawa penilaian ini hanya sekadar panduan. Nilai sebenar kereta mungkin berbeza bergantung kepada keadaan kereta.
- Sediakan dokumen yang diperlukan, seperti nota lindungan insurans, polisi insurans sedia ada, dan geran kereta.
- Pergi ke mana-mana syarikat insurans dan dapatkan sebut harga untuk insurans kereta. Sekiranya anda berpuas hati, buat bayaran pendahuluan. Polisi insurans akan dihantar dalam tempoh sehari, dan salinan asal dihantar melalui email atau pos.
- Setelah anda selesai memperbaharui insurans kereta anda, anda perlu perbaharui cukai jalan. Ia boleh dilakukan melalui MyEG, di cawangan JPJ, atau Pejabat Pos.
Anda juga boleh memperbaharui insurans kereta dengan mudah dengan kami di CompareHero.
Anda hanya perlu pilih pembekal insurans kereta pilihan anda dan klik “Apply now” di sini. Isi butiran seperti nama penuh, nombor telefon dan emel anda di borang permohonan dan pilih sama ada ingin sertai road tax dalam proses pembaharuan ini.
Baca juga: Panduan untuk Menjual Kereta Anda di Malaysia
Apa yang perlu anda tahu mengenai proses pembaharuan insurans kereta
1. Terlebih atau terkurang perlindungan insurans
Jika anda membeli insurans kereta yang memberikan perlindungan kurang dari nilai pasaran semasa kereta anda, sekiranya berlaku kemalangan anda perlu bayar sendiri untuk baki perbezaan. Jadi, anda hanya boleh menuntut sebahagian sahaja, iaitu sehingga jumlah perlindungan yang diberikan oleh polisi insurans yang anda bayar.
Sebaliknya, boleh terjadi dimana anda membeli insurans lebih dari nilai pasaran semasa kereta anda. Namun, jumlah maksima yang boleh anda tuntut jika berlaku kemalangan ialah berdasarkan nilai pasaran semasa kereta tersebut, bukannya berdasarkan apa yang anda bayar. Ini untuk mengelak pemilik kereta daripada mendapat keuntungan dari tuntutan insurans kereta mereka.
Jadi, bagaimana untuk memastikan anda tidak terlebih atau terkurang perlindungan insurans? Anda perlu tahu nilai pasaran semasa kereta anda. Bagaimana? Rujuk dibawah.
2. Nilai pasaran semasa kereta
Sewaktu memperbaharui insurans kereta, nilai pasaran semasa kereta merupakan antara maklumat paling penting yang perlu diketahui. Nilainya tidak akan sama dengan apa yang anda bayar sewaktu anda membeli kereta tersebut, kerana ia akan susut setiap tahun. Salah satu cara terpantas untuk mengetahui nilai kereta anda ialah melalui laman web MyCarInfo. Portal percuma ini menyediakan khidmat untuk menyemak nilai pasaran semasa kereta, dan menerima contoh laporan.
Jika anda ingin maklumat tambahan, harga laporan lengkap ialah RM6.36. Anda perlu mengetahui tahun pengeluaran kereta anda untuk dapatkan nilai pasaran yang paling tepat.
Seperti yang telah dinyatakan, nilai pasaran semasa ini tidak akan tepat, kerana setiap pembekal insurans dan institut kewangan memiliki formula pengiraan yang berbeza.Oleh itu, lakukan pemeriksaan sewaktu menentukan nilai pasaran kereta anda. Anggaran nilai pasaran kereta juga boleh diperoleh dari pembekal insurans kereta yang anda gunakana sekarang.
Dengan mengetahui nilai pasaran semasa kereta, anda boleh mengelakkan insiden terlebih, atau terkurang perlindungan insurans dari berlaku.
3. Periksa nilai No Claim Discount (NCD)
NCD merupakan salah satu faktor penting apabila memperbaharui insurans kereta. NCD melayakkan anda untuk mendapat diskaun sewaktu memperbaharui insurans, dengan syarat anda tidak membuat sebarang tuntutan dalam tempoh 12 bulan yang lepas. Sekiranya anda ada membuat tuntutan, kelayakan tersebut akan terlucut, dan anda tidak boleh menuntut diskaun.
Ini bukan bermakna anda tidak perlu membuat tuntutan insuran jika anda terlibat dalam kemalangan. Kelayakan tersebut hanya terlucut jika kemalangan tersebut berpunca dari anda. Jika anda terlibat dalam kemalangan, dan ia bukan berpunca dari perbuatan anda, kelayakan NCD tidak akan terlucut apabila anda lakukan tuntutan.
Kadar diskaun NCD telah ditetapkan berdasarkan Tarif Motor Persatuan Insurans Am Malaysia (PIAM):
| Kadar diskaun NCD yang ditetapkan | |
| Tempoh perlindungan | Kadar diskaun NCD |
| Tahun Pertama | 25% |
| Tahun Kedua | 30% |
| Tahun Ketiga | 38.3% |
| Tahun Keempat | 45% |
| Tahun Kelima | 55% |
Jika anda telah memperbaharui insurans tanpa mengambil kira diskaun NCD, anda boleh maklumkan ejen insurans atau pembekal untuk mohon diskaun NCD, dan memperoleh lebihan baki dari diskaun tersebut. Kebiasaannya anda akan terima bayaran balik untuk diskaun NCD dalam bentuk cek.
Baca juga: Ketahui Jika Anda Lebih Atau Kurang Perlindungan Insurans
Akhir sekali, anda boleh menukar kepada syarikat pembekal insurans kereta yang lain selepas insurans semasa anda tamat tempoh. Anda tidak perlu tertakluk kepada pembekal insurans yang sama. Sebagai pengguna, anda memiliki pilihan dan kuasa untuk membuat keputusan. Dapatkan sebut harga dari syarikat pembekal insurans yang berbeza, dan bandingkan pelan perlindungan yang ditawarkan. Kadang-kala, mengambil insurans kereta dari pembekal yang baru dapat menjimatkan wang, terutamanya dari pembekal yang menawarkan rebat.
