大部分的保单都有excess, 也就是投保人在一场索赔当中需要缴付的费用。Excess分为两种，一种是强制性的，是由保险公司要求增加的；另一种是自愿性的。你常看到的“total excess” 就是结合了这强制性和自愿性的Excess，而这个金额就是你在一次索赔当中需缴付的费用。
NCD 会有所不同可能是因为有人提出索赔或是被保险人要求NCD转移到另一辆汽车上。你也通过以下网址来查询你现今的NCD率：Ncd Checker
什么是市场价值保险加额（Market Value Coverage)？
什么是协定保险加额（Agreed Value Coverage)?
为什么选择 Fincrew 延保?
✓ 值得信赖 – Warranty Smart是车辆延保行业的先驱者，2013年创立于马来西亚，现已将业务扩展到了泰国和印度尼西亚。
✓ 有保障 – 由首屈一指的保险公司Pacific & Orient Insurance Co.Berhad (P&O)承保。
✓ 够专业 – 我们在全国有超过182个指定车厂，构建了最大的技术网。
✓ 便利 – 我们在任何车厂，指定或非指定的车厂提供服务，全国范围内24小时拖车和快速受理索赔。
我们有许多不同的保单类型。在Warranty Smart, 我们的价格是透明的。因此您可以参考网站上列出的每个保单详情。您可以选择保单内容，或者联系我们专业的销售代表 @+6018 228 8606 来为您的爱车选择最佳的保险方案。
车辆维修将全权由Warranty Smart自行决定，Warranty Smart 有权维修/翻新损坏的零件，或者用使用过的，翻新的或者OEM零件来替换损坏的零件。
Fincrew / Warranty Smart支付人工费用吗？
车辆将会被拖车至我们最近的授权车间，这其中产生的费用最多减免RM300。任何超出RM300的费用将由客户自行支付。承保期内，您可以享受无限次数的拖车服务。（拖车热线：1300 80 1818）
在Fincrew, 我们致力于实现轻松索赔流程。直接联系我们的索赔部分@ +6018 228 8606.。一位专属的索赔顾问将会引导您完成整个流程。
您可以直接拨打电话或者通过whatsapp联系我们的索赔部门 @ +6018 228 8606，即刻获得车辆维修的最新信息。
为了客户的方便，Fincrew / Warranty Smart 采用了“开放服务”这一概念。您可以在您偏爱的车厂进行所有的日常维护，无论是我们指定的还是非指定的。
Why do I need travel insurance?
It is important to have travel insurance while you are travelling in case of accident, illness or loss of personal belongings. You may compare and get the comprehensive coverage from different insurance companies at Fincrew.
What does travel insurance cover?
Travel insurance provide accidental cover, illness or loss of personal belongings etc. Some insurance company provide additional benefits such as trip cancellation, pandemic cover or sports equipment.
What is a pre-existing medical condition?
A medical condition that started before a person’s insurance went into effect.
When should I buy travel insurance?
You should buy your travel insurance before your trip start and it is advisable to start 1 day or earlier before your trip.
Does travel insurance cover natural disasters?
Most of the travel insurance cover natural disasters and subject to the terms of the policy. It is important to compare your travel insurance at Fincrew.
How long does travel insurance last?
Some of the insurance company cover up to 190 days for single trip and 90 days for annual trip cover. It is important to consult Fincrew Customer Service or refer to Product Brochure or Policy Wording from the respective insurance companies.
What is the use of trip cancellation insurance?
This benefit compensates you for irrecoverable travel and accommodation expenses as a result of trip cancellation due to serious injury or illness.
Can I cancel travel insurance if I cancel my trip?
You may terminate the policy at any time by giving a written notice to the company within fourteen (14) days or contact our Customer Service Centre here
. Such termination shall become effective on the date the notice is received by the Company or the date specified in the notice, whichever is earlier. No premium will be refunded upon cancellation of cover.
What is the relationship between Fincrew and the insurance company?
Fincrew is a platform for user to research, compare and purchase insurance. We work with our vendors which represent multiple insurance companies to provide the most up-to-date of insurance products in Malaysia. We are not a subsidiary or affiliated company with any insurance company in Malaysia.
Is Fincrew a legal business entity in Malaysia?
Yes, Fincrew is registered with SSM and owned by Fincrew Sdn Bhd 202101032014 (1432314-W) and is governed by the laws of Malaysia in our business operations.
How do I know that it's safe to buy insurance online? Will my personal
info be secured?
All data submitted to us are processed by our internal team and viewed only by the insurer selected by you. We strongly support the Personal Data Protection Act (PDPA)
Will I receive any call from Fincrew ?
We understand that receiving tele-sales call can be annoying so we will not call you to upsell any products. We will only call you if there’s a need to, like example: on claim related matter. However, you may still contact us if you need help on any issue. Our dedicated customers’ service team is always ready to assist you.
What are some of the key terms and conditions that i should be aware of?
Importance of Disclosure
You must disclose all material facts that you know or ought to know such as your personal pursuits and medical condition which could affect the risk profile; otherwise your policy may be invalidated.
Cash before cover
Full premium must be paid and received by us before the effective date of the policy. If this condition is not complied with then this insurance policy is automatically null and void
Do I need to type in my details again if I'd like to buy again in the
No, you don’t need to. Our system is designed to auto create an account for each success buyer. You can check your mailbox for the login details or contact us
to request for your account details.
Help! I made a mistake on my personal info when I was buying insurance.
If I have an enquiry on any products or any other questions, who should I
What do I need to do if there are changes to my contact/personal details?
It is important that you inform us of any changes in your contact and personal details to ensure that all correspondence reach you timely manner.
How do I lodge a complaint if I'm unhappy with the product or services?
Please do not hesitate to contact us
with your feedback, and we'll try to resolve the matter.
Can I buy this insurance online with a supplementary credit card?
Yes, you can.
How can I pay for the policy I buy?
You can pay online through credit card, debit card or e-banking.
What is Personal Accident Insurance?
Personal Accident Insurance is a yearly renewable insurance that provides compensation in the event of bodily injuries, disablement or death caused solely and directly by an unforeseen event.
Who is eligible to purchase personal accident Insurance?
All Malaysians, Malaysian permanent residents, work permit holders, pass holders or otherwise legally employed in Malaysia. Person age is depended on the respective insurance’s plan.
Is medical expenses benefit payable per disability?
Yes, the respective pay up to the sum insured for medical expenses for each accident and the limit is as per the respective insurance company’s plan.
Will this policy still pay if I have other similar insurance policies?
Yes, the respective insurance company will pay in addition to any other policies you may have except for medical expenses which have been reimbursed by other policies.
How does Double Indemnity work?
Double Indemnity means benefit payable will be doubled if the Insured Person suffers death or permanent disablement due to an accident while travelling as a fare-paying passenger on a public mode of transportation.
How will I be entitled for Renewal Bonus?
As long as you renew your policy and there is no claim under Accidental Death or Permanent Disablement in the preceding year, a % Renewal Bonus of the Principal Sum Insured will be rewarded. Only claims under Accidental Death or Permanent Disablement will affect your Renewal Bonus.
How long is the coverage duration of Personal Accident Insurance?
Personal Accident Insurance will provide coverage for one (1) year.
How do you classify Occupation?
Occupations are classified into 3 classes as follows:
Occupation Class 1
Persons engaged in professional administrative, managerial, clerical and non-manual occupations
Occupation Class 2
Persons engaged in work of supervisory nature but not involved in manual labour
Occupation Class 3
Persons engaged either occasionally or generally in manual work which involves the use at tools or machinery
What is gadget insurance?
Gadget insurance provides worldwide 24/7 cover on your electrical appliances such as camera, laptop, smart phone or any personal gadget except drone.
What are the covers/ benefit provided?
Gadget insurance policy covers:
• Loss of or damage to your property or any part thereof due to fire, theft or any other accident or misfortune.
• Loss of or damage caused by perils unless such perils are specifically excluded by this policy.
Duration of cover is for one year. You need to renew your insurance policy annually.
What are the major exclusions under this policy?
This policy does not cover loss destruction or damage :
Occasioned by or happening through.
a) wear and tear, depreciation, gradual deterioration, rust, mildew, moth, vermin or any process of cleaning, dyeing, repairing, restoring or renovating
b) mechanical or electrical breakdown or derangement.
c) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not) or civil war.
d) mutiny, strike riot and civil commotion, military or popular rising, insurrection, rebellion, revolution, military or usurped power, martial law or state of siege or any of the events or causes which determined the proclamation or maintenance of martial law or state of siege.
e) confiscation or nationalization or requisition or destruction of or damage to property by or under the order of any Government or Public or Local Authority.
g) unattended vehicle
Note: This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy
Can I cancel my insurance?
You may cancel your insurance by giving written notice to us. Upon cancellation, you are entitled to a refund of the premium less premium based on insurer short period rates for the period of the policy which has been in force.
What do I need to do if there are changes to my contact details?
It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.
What are some of the key terms and conditions that I should be aware of?
• Importance of disclosure
Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance for purposes related to your trade, business or profession, you have a duty to disclose any matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise it may result in avoidance of contract, claim denied or reduced, terms changed or varied, or contract terminated.
This duty of disclosure for Non-Consumer Insurance Contract shall continue until the time the contract is entered into, varied or renewed. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us, any of the information given is inaccurate or has changed.
• You must take all ordinary and reasonable precaution for the safety of the property insured.
• If your property amount insured is less than the actual value at the time of loss (i.e. under insurance), you are deemed to be self-insurance the difference.
• You must inform your insurance company or us in writing on any material changes during the policy period so that the necessary amendments are endorsed to your policy.
Where can I get further information?
Should you require additional information about our Personal All Risks Insurance or any other types of insurance product, you can contact us at www.fincrew.my
If you have any enquiries, please contact us at:
Tower A Level 1-05 Vertical Business Suite
Kuala Lumpur, Malaysia
Phone number: 603 2242 0820
What should I need to do when buying gadget insurance?
You must ensure that your gadget is insured at the appropriate amount and provide with the correct series number of the item insured. You should read and understand the insurance policy and discuss with our live chat team or contact us directly for more information.