关于保险的常见问题

更新汽车保险
关于保险的常见问答

保险是一个理解起来非常复杂的主题。如果您对它有不错的了解,那么任何保险公司推销的产品或服务您都能有一个接受或者拒绝的判断。从这点来看,投保时知道如何咨询保险公司也是很重要的一部分。无论您想购买人寿保险,还是汽车保险,这里有您在马来西亚投保需要了解的全部信息。

当您投保时需要询问的问题

无论是人寿保险、汽车保险、医疗保险还是办公保险,您都需要了解保险费。保险费是您保单中关键的一部分,因为它直接包含了您的承保范围和生效方式。

汽车保险常见问题

  • 什么是综合型汽车保险?
    这份保单是为了保障你在一场交通意外事故后,所造成自身汽车或第三方的损失。该保单覆盖范围包括人身伤亡和其他方的财产损失。
  • 如何计算汽车保险费?
    保险费是基于风险特征。潜在风险越高,保险费越高。潜在风险越低,保险费越低
  • 什么是汽车保险自由化?
    这意味着汽车保险费并不会再以汽车税作为考量(拥有固定的价格表)

  • 如何决定我的汽车保险金额?
    汽车保险的金额需要依照汽车的市场价值而定。市场价值代表你的汽车的价值,其中就包括了汽车的损耗和折旧价
  • 综合型保险的主要不承保项目?

    该保单不会为投保人提供以下保障: 

    意外事故造成投保人的伤亡;

    投保人的汽车内的乘客;

    因自然灾害如水灾、风暴或是土崩所造成的损失、破坏和责任。

  • 什么“无索赔奖金“?
    无索赔奖金是一种特殊折扣。一般上,都是给予在一年内没有申请索赔的投保人
  • 什么是 “excess”?
    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。
  • 什么是”Loading”?
    Loading是一项保险费用当中的额外金额。这一项金额是在高风险者的保险费当中。一般上,Loading 是因为投保人容易遭受到某种风险所造成的损失而产生的加额保障。
  • 为什么未索赔折扣(NCD)和我的记录有差?
    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)?
    市场价值是保险公司根据你的汽车在公开市场上所预计的金额。假设你的汽车发生任何事情,你所得到的赔偿是依据当时汽车的市值。普遍上,市场价值保险加额的保险费比较低。
  • 什么是协定保险加额(Agreed Value Coverage)?
    协定保险加额是你和保险公司之间协商同意的金额。假设你的汽车被注销或被盗窃,你可以通过协定保险金额让保险公司赔偿。普遍上,协定保险加额的保险费比较高。



办公室保险常见问题

  • 什么是全风险保险?
    全风险保险承保您屋内或者马来西亚境内的机器或者设备,以及办公室家具。
  • 提供哪些保障/福利?
    保单内容涵盖:
    • 因火灾、盗窃或其它事故和不幸,对您财产或部分财产造成了丢失或损坏。
    • 因风险情况对您财产造成的损坏,除非这种风险被保单排除在外。
    此项保险的有效期为一年。每年您都需要为该保险续费。
  • 该保单的主要除外责任是什么?
    该保单不含丢失,损毁或损坏:
    偶尔地或持续的。
    1. 正常使用而致的磨损、折旧、自然损耗、生锈、霉变、飞蛾,虫子或者任何清洁程序、染色、修复、修复或者翻新。
    2. 机械或电子出现故障或紊乱。
    3. 战争、入侵、外敌行为、敌对行为(无论是否宣战)或内战。
    4. 兵变、罢工和内乱、军事或民众起义、叛乱、武装起义、革命、军事或篡改军权、戒严或戒严状态,或任意决定戒严(或维持戒严)的事件或原因。
    5. 任何政府或公众或地方当局依据其指令没收或国有化或征用或损毁的财产。
    6. 无人看管的车辆。
    注意:此列表并非详尽无遗。请参阅本合同样本保单以了解所有的除外责任条款。
  • 可以取消我的保险吗?
    可以通过书面的方式通知我们取消你的保险。取消后,您有权根据已生效的保单政策,扣除生效保单期间的短期费率后退还剩余保费。
  • 联系方式发生了变化,需要做什么?
    这点很重要,您需要联系我们来更新您的联系方式,以确保信件能准时送达。
  • 有哪些需要重点注意的条款和条件?
    • 一些重要的披露
      据2013年金融服务法附表9第4(1)段,如果您申请该保险的主要目的是为了您的贸易、生意或者与职业相关,您有义务告知您知道的任何与保险决策相关的内容,该决策包括承担风险、决定保险利率、保险条款细则,以及任何一个正常人在相同情况下需要知道的信息。否则可能会导致合同无效、索赔被拒或减少、条款更换或变更,以及条款终止。非消费者保险合同的披露义务将持续到合同订立、变更或续签之时。在您与我们签订、变更或续签保险合同的任何时间内,如果提供的信息有任何不准确或发生变化,您也有责任立即告知我们。
    • 为了被保财产的安全,您必须采取一切正常以及合理的预防措施。
    • 如果您的财产保险金额低于损失时实际的价值(受保的财产),您将自行承担差额。
    • 在保单期内有任何重大变更,您必须以书面的形式通知您的保险公司或我们,以便对您的保单进行必要的修改。
  • 我从哪里可以找到更多信息?
    如果您想了解有关全风险保险的更多信息,或者想咨询其他任意一种保险产品,请参阅网站www.fincrew.my

    如果您有更多疑问,请联系我们:

    Tower A Level 1-05 Vertical Business Suite
    59200 Bangsar,
    Kuala Lumpur, Malaysia
    Phone number: 603 2242 0820
    Email: support@fincrew.my
  • 购买全风险保险时,我需要做什么?
    请确保您为您的财产投保了适当的金额。请阅读以便了解保险政策,并与我们的在线客服团队联系,或直接联系我们以咨询更多信息。



延长保修常见问题

  • 延保是什么?为什么我们需要它?
    您的强制性车险可以在您的车辆出了事故或者被盗窃的时候为您提供保障,但不会在汽车发生故障的时候为您报销。购买一份延保能在您的车辆意外故障时让您减轻负担,为您提供索赔。Warranty Smart,值得您的信赖。
  • 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。
  • 保单涵盖了什么?
    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。

    对于现有会员,请参考您的保单内容来查阅具体覆盖范围。
  • 申请车辆索赔时,你们会用什么样的零件来维修替换?
    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。 然而,如果您要求更换全新零件,您可以在维修前与我们的索赔调度员联系沟通。只有在您同意补上全新零件与用过的/修复的/OEM零件的差价时,才能替换全新的零件。
  • 保险套餐中的索赔限额是什么?
    每一种保险套餐都有独立的索赔限额。
    比如,黄金套餐每单索赔限额为RM10,000,总索赔限额达RM50,000。这意味着,每单最高索赔RM10,000,在承包期内,不限索赔次数,只要索赔总额没有超过RM50,000。在同一个零件上申请重复索赔是可以的。
  • Fincrew / Warranty Smart支付人工费用吗?
    当然了。索赔的所有费用中,我们会承担零件费用和人工费用。
  • 保单中什么费用是不涵盖的?
    基本上,每项保单详情中没有列出的部分都不涵盖在保险内。所有的延保服务往往都不含正常使用所致损坏的零件,例如,过滤器,火花塞,各种液体,刹车片,以及轮胎等等。
  • 购买保险前需要检查我的汽车吗?
    需要。我们提供免费的车检服务。
    • 居住在巴生谷的顾客,可以预约免费的上门车检服务。
    • 居住在巴生谷以外的顾客,可以将车送至距离最近的,由我们授权的车厂进行车检。
  • 如何知道我的车是否有资格购买延保服务?
    G通常,Warranty Smart的套餐适用于车龄不超过十年,且里程表读数在150,000公里以内的车辆。如果您的车辆自生产年份已超过十年,或者里程数超过150,000千米,我们会在车检时评估您的车辆状况是否够格。
  • 完成购买后,我的保单什么时候开始生效?
    保险的生效日期和里程数会在保单上注明。与其它延保公司不同的是,我们没有任何冷却期。这意味着您可以从保险生效日期开始立即申请索赔。
  • 发生故障时提供拖车吗?
    是的。保单中有整个西马的24小时拖车服务。 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)
  • 如何知道我的车辆问题是否在承保期内可以索赔?
    可以将车辆运至最近的授权车厂来检查/诊断,这项服务是免费的。车厂将联系我们的索赔部门来判断该故障是否在保单承保范围内。
  • 如何申请索赔?
    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。
    已经在我们授权车间?车间会判断故障的原因,只要是在保单覆盖范围内,它会为您提供服务。
  • 我需要预先支付吗?
    不用。您不需要为已批准的索赔付款。我们会让您的车辆快速上路,无需等待报销。一旦维修完成,我们会直接付款给维修车间。您只需承担保单不涵盖部分的费用(如果有产生的话)。
  • 如果查询索赔状态?
    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。
  • 如果一个故障不在保单范围内?
    如果故障不在您的保单范围内,我们仍可以帮助您。我们将充当您在维修过程中的联系人,帮您推荐,以确保您在整个过程中没有被占便宜。我们不是只对您销售保险,我们为您提供全力支持。
  • 如果我申请了索赔,下次续保的时候保单会涨价吗?
    当然不会。无论您申请了多少次索赔,您的保单都不会涨价。同样的,对于所有延保套餐,即使您没有申请过任何索赔,续保时也没有优惠。
  • 可以去哪里维修车辆?
    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。 只需要确保“故障确认和索赔环节”是在我们指定的车厂进行的。
  • 我需要做什么来使保单一直处于生效状态吗?
    • 您需要及时的进行每次的例行维护,以及将保存好所有的维修记录,在您的保修服务手册上(印有车厂印章)。
    • 确保妥善保管好您的维修服务手册。如果您的手册丢失了,请立即联系我们替换一本手册,费用RM100。记录手册在申请索赔时是必须的。
    • 请勿在保修期内滥用、忽视、以及改装您的车辆。
  • 如果我转手了我的车,可以将保单过户给新车主吗?
    当然!保单是锁定车辆的,与所有者无关。这也意味着为您的车辆购买延保,实际也在为您的车辆增值。
  • 我可以取消我的保单吗?
    一旦您的保单开始生效,是无法退款,以及无法过户到其它车辆上的。



旅行保险常见问题

  • Why do I need travel insurance?
  • 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.



一般保险常见问题

  • 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), which dictates that we keep your information private & confidential and prevent them from any misuse in any way whatsoever. You may also see our Privacy Policy.
  • 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 future?
    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.
    Don't worry, just contact us here or email us at support@fincrew.my
  • If I have an enquiry on any products or any other questions, who should I refer to?
    Contact us here or email us at support@fincrew.my
  • 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.



个人意外保险常见问题

  • What is Personal Accident Insurance?
  • 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



科技保险常见问题

  • What is gadget insurance?
  • 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
    59200 Bangsar,
    Kuala Lumpur, Malaysia
    Phone number: 603 2242 0820
    Email: support@fincrew.my
  • 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.
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