Takaful Motor: Memahami Takaful Kenderaan Bermotor di Malaysia
Takaful kenderaan bermotor memberikan perlindungan kewangan kepada pemegang polisi dalam kes kemalangan yang melibatkan kerosakan pada kenderaan atau kecederaan pada diri sendiri atau orang lain.
What is a motor takaful tariff?
Tariffs are sets of fixed price list created under insurance acts to streamline and control premium charges and policy wordings. The tariffs by virtue of regulatory guideline are also made applicable to takaful.Examples of these are Motor and Fire takaful policies. When premiums/takaful contributions are tariffed, companies takaful operators are not allowed to vary the prices chargeable/contribution amount required on the insurance policy/takaful certificates.
What does the liberalisation of motor takaful mean?
The liberalisation of motor takaful means that the price of motor insurance products will no longer be determined based on Motor Tariff (a set fixed price list). Pricing will be determined by individual insurers and takaful operators. Consumers will now be able to enjoy a wider choice of motor insurance/takaful products at competitive prices as liberalisation encourages innovation and competition among insurers and takaful operators.
Syarikat insurans dan pengendali takaful boleh menetapkan caj premium/menentukan sumbangan takaful sejajar dengan faktor risiko yang lebih luas yang terdapat dalam kumpulan pemegang polisi insurans/pemegang sijil takaful yang dilindungi; dan juga memasarkan produk baharu yang tidak ditakrifkan di bawah tarif.
Sila rujuk versi lengkap di sini:Â Â Soalan Lazim
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