Have you inspected your vehicle today?

Published in Focus Malaysia on 5th September 2022

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HAVE you ever wondered about the health status of your vehicle? 

Sure, we put a lot of thought and emphasis when it comes to our health but what about our four wheels that strive to keep us safe on the road? 

Just like us, our vehicles also need to undergo regular health checks to ensure it is operating at optimum safety levels at all times.  

With the upcoming school holidays and patriotic holidays – Malaysia Day on Sept 16 – vehicle health checks are even more crucial before driving off on a road trip with the family or for balik kampung journeys. 

This could potentially save you from being stranded on the highway due to a breakdown or accident, especially when the roads are going to be jam-packed with thousands of holiday-goers.  

To avoid such inconveniences, here are five basic vehicle health checks that should be done on a regular basis:

Always remember your tyres! 

Checking the condition of your tyres should be made a habit, no matter a long or short drive, as a tyre in a dire condition is a hazard to everyone on the road. 

Without healthy tyres, drivers may find themselves skidding on a slippery road or even find that the brakes do not grip as well. 

Aside from ensuring there’s a spare tyre in the boot and checking the tyre’s air pressure, drivers should also check the tyre alignment, the thickness of the brake pads as well as the tyre tread.   

Swish, swish goes the wiper blades 

Most drivers would not even think twice about the condition of their wipers as long as it is still swishing and wiping rainwater away. 

However, the health of wiper blades deteriorates too, especially when parked daily under the humid and hot sun. 

Look out for these signs and know when to get them changed: the rubber blades are cracked or peeling off, the blades leave streaks on the windshield, there is squeaking or the wiper frame is bent or looks damaged. 

Signal left or right, are your lights alright? 

Every single light on the exterior of the car is equally important and it should be in good working condition at all times. 

However, it can get a bit tedious when it comes to maintaining the lights because chances are drivers would not even know if they are faulty. 

Whenever possible, perform a simple check at home to ensure all lights are in good condition. 

Aside from the headlights, rear lights and fog lights, other more important lights to note are the indicator lights for switching lanes and brake lights to alert other drivers to slow down.  

Battery problems?  

One of the first signs that the car battery is about to die is when you have trouble getting the car to start. 

The moment when the car starts chugging or huffing as you turn the ignition on, drive to your mechanic to get those batteries checked and changed if necessary. 

It is also good to note the lifespan of your battery and make a note of it somewhere in the car or on your phone so that you can remember.  

Ensure a cooler vehicle for a cooler drive 

While checking engine oils, also check the coolant levels in the vehicle as it might trigger a fire when heat cannot escape from the engine bay due to overheating. 

In simpler words, the engine radiator and cooling systems are what prevent a vehicle from overheating.

The most common causes are faulty radiator fans, cooling system leaks and low coolant levels. 

Never remove a radiator cap when the engine is hot as hot liquid could squirt out and injure you. 

If unsure, it is best to seek professional help at the mechanic.   

Get motor insurance

In addition to performing these routine checks to ensure your vehicle is operating in tip-top shape, one other important measure to consider is getting motor insurance. 

Similar to how health insurance may potentially save your life and looming medical costs, motor insurance can do the same. It is like a safety net to ensure your motor vehicle, along with the driver and passengers, are well covered and insured.

At Liberty Insurance, our Private Car EZY Plus – Comprehensive insurance is a holistic coverage plan to get as it doesn’t provide coverage only against own damage and third-party losses but also covers medical expenses, permanent disability or death in the event of an accident on the road, as well as child seat replacement if the seat is damaged due to accident, theft or flood.   

In addition to this, you can also buy one of our bundle add-ons that include coverage on PA for passengers, flood allowance, 24-hour unlimited mileage towing, side mirror damage and others.   

Liberty Insurance also offers an efficient claim process with its Liberty Own Damage (OD) Express Claim that is only applicable with its Private Car EZY Plus – Comprehensive plan. Claims can be made via any smartphone and the accident must be reported within 48 hours for express claims disbursement.  

To find out more about Liberty Insurance’s motor insurance and its claims process, visit www.libertyinsurance.com.my — Sept 5, 2022

 

Liberty Insurance offers comprehensive insurance solutions with a variety of vehicle, travel, home, business and health plans. 

The views expressed are solely of the author and do not necessarily reflect those of Focus Malaysia.

Liberty Mutual Completes Acquisition of AmGeneral Insurance Berhad 

Subsequent Merger of Operations is Expected to Make Liberty Mutual the Largest Motor Insurer and a Leading General Insurer in Malaysia 

 

Kuala Lumpur (28 JULY 2022) – Liberty Insurance Berhad (LIB), an owned subsidiary of Liberty Mutual Insurance (Liberty), has completed the deal to acquire AmGeneral Insurance Berhad (AmGeneral) following the receipt of regulatory approval in Malaysia and signing of the share sale and purchase agreement with AmBank Group (AmBank). 

AmGeneral was previously 51%-owned by AmBank Group and 49%-owned by Insurance Australia Group (IAG). With deal completion, Liberty Insurance Berhad (LIB) has acquired 100% of the shares of AmGeneral, and AmBank Group’s share of the sale proceeds are in the form of cash and consideration shares, which results in AmBank Group holding a 30% interest in the Liberty Insurance Berhad and AmGeneral businesses. 

As part of the transaction, the prospective merged entity will enter into an exclusive 20-year bancassurance partnership with AmBank Group to distribute general insurance products. The AmGeneral and Liberty Insurance Berhad operations will, at a subsequent date, be formally merged.  

“This is an exciting moment for Liberty in Malaysia as we look to become the largest motor insurer and a leading general insurer in Malaysia,” said Defne Turkes, Liberty Mutual’s Global Retail Markets East President & Chief Operating Officer. 

“We recognize the great value of the AmGeneral franchise and the strong team behind it. AmGeneral is skilled in managing a large motor insurance portfolio, has strong established relationships, and deeply entrenched brand value amongst customers and intermediaries.  

“As we work toward integration, we will recognize the best insights and practices from both operations to co-create a better experience for our customers and business partners in terms of value, ease and access. I look forward to realizing all that we can accomplish together.” 

 

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About AmGeneral 

AmGeneral serves the Malaysian insurance market through approximately 1,400 employees at 33 branch locations. A top three motor insurer with a growing business in additional product lines, the company distributes its personal and commercial insurance products under the AmAssurance and Kurnia brands through more than 6,000 agents, brokers, car dealers, franchises and affinity partners, and its fast-growing digital and direct capabilities. 

About Liberty Insurance Berhad  

Based in Kuala Lumpur, Liberty Insurance Berhad (LIB) employs approximately 450 employees at six regional offices and 24 branches across Malaysia. The company distributes its personal, commercial and other product lines through multiple channels, including a 2,000-agent work force, plus franchises, car dealers and banca partners. LIB aims to provide a convenient and hassle-free service that is easily accessible from wherever you are.   

About Liberty Mutual Insurance 
At Liberty Mutual, we believe progress happens when people feel secure. By providing protection for the unexpected and delivering it with care, we help people embrace today and confidently pursue tomorrow.  

In business since 1912, and headquartered in Boston, today we are the sixth largest global property and casualty insurer based on 2020 gross written premium. We also rank 78th on the Fortune 100 list of largest corporations in the U.S. based on 2021 revenue. As of December 31, 2021, we had $48.2 billion in annual consolidated revenue.   

We employ over 45,000 people in 29 countries and economies around the world. We offer a wide range of insurance products and services, including personal automobile, homeowners, specialty lines, reinsurance, commercial multiple-peril, workers compensation, commercial automobile, general liability, surety, and commercial property.

Banyak manfaat jika langgan insurans

SETAKAT hari ini, separuh daripada populasi Malaysia tidak mempunyai perlindungan insurans dan kadar yang membimbangkan ini menyebabkan kerajaan mengambil pelbagai langkah untuk membantu menjadikan insurans lebih mampu milik terutamanya dalam kalangan berpendapatan rendah.

Dalam pembentangan Bajet 2022, kumpulan B40 layak untuk menebus baucar bernilai RM75 untuk membeli pelan Insurans Perlindungan Tenang.

Inisiatif ini untuk memastikan lebih ramai memiliki insurans terutama bagi melindungi daripada kejadian tidak diingini.

Kemalangan mengejut biasanya akan menyebabkan mangsa ditimpa kesusahan terutama dari segi kewangan untuk membiayai bil perubatan yang tinggi atau kos pengebumian. Oleh kerana bencana alam dan kejadian tidak diingini sememangnya tidak dapat diduga atau dielakkan, sekarang adalah masa terbaik untuk mendapatkan perlindungan insurans.

Berikut adalah antara sebabnya:

1. Mampu milik

Salah satu sebab utama mengapa terdapat ramai masih belum memiliki perlindungan insuran adalah kerana kos yang tinggi. Banyak pilihan insurans dengan harga mampu milik disesuaikan mengikut keperluan individu.

2. Pelbagai manfaat

Dalam masa memerlukan, produk ini melindungi mangsa kemalangan dan keluarga mereka dengan meringankan beban kewangan dan mengurangkan tekanan. Selain perbelanjaan perubatan, sesetengah pelan menawarkan perlindungan bagi kos ambulans, perbelanjaan penginapan hospital serta pendapatan dalam tempoh rawatan di hospital akibat kemalangan. Tidak lupa juga perbelanjaan pengebumian jika diperlukan, hilang upaya kekal dan pembedahan pergigian atau pembedahan pemulihan lain akibat kemalangan.

3. Proses semudah A, B, C

Tiada borang permohonan yang panjang untuk diisi, malah dengan hanya beberapa klik, anda akan mendapat perlindungan insurans dengan serta-merta. Begitu juga proses tuntutan yang lancar dan efisien dengan pilihan membuat tuntutan menggunakan telefon atau menerusi talian utama yang dikhaskan.

4. Pelan yang disesuaikan mengikut keperluan

Tiada satu pakej insurans yang mampu memenuhi keperluan setiap individu kerana semua mempunyai keperluan berbeza. Perlindungan yang mencukupi bagi sesetengah orang mungkin tidak memadai bagi orang lain. Kebanyakan pelan insurans adalah fleksibel kerana syarikat-syarikat insurans memahami akan jangkaan dan kemampuan kewangan setiap individu adalah berbeza.-UTUSAN

LIBERTY INSURANCE BERHAD Kuala Lumpur

 

Read the full article here

Temui Ketenangan Minda dengan Liberty Tenang

Hi Korang,

Setakat hari ini, separuh daripada populasi Malaysia tidak mempunyai perlindungan insurans dan kadar yang membimbangkan ini telah menyebabkan kerajaan mengambil pelbagai langkah untuk membantu menjadikan insurans lebih mampu milik, terutamanya di kalangan mereka yang berpendapatan rendah. Dalam pembentangan belanjawan 2022, kumpulan B40 adalah layak untuk menebus baucar bernilai RM75 untuk membeli pelan Insurans Perlindungan Tenang.

Inisiatif ini adalah untuk memastikan lebih ramai warga Malaysia dapat memiliki insurans, terutamanya untuk melindungi mereka daripada kejadian yang tidak diingini yang boleh menyebabkan mereka yang tidak memiliki insurans ditimpa kesusahan. Menurut Ketua Penolong Pengarah Jabatan Siasatan dan Penguatkuasaan Trafik, Bakri Zainal Abidin, statistik menunjukkan seorang pengguna jalan raya meninggal dunia akibat kemalangan dalam setiap 84 minit dan kebanyakannya adalah penunggang motosikal. Kemalangan yang mengejut biasanya akan menyebabkan mangsa ditimpa kesusahan, terutama dari segi kewangan untuk membiayai bil perubatan yang tinggi, atau kos pengebumian.

Oleh kerana bencana alam dan kejadian yang tidak diingini sememangnya tidak dapat diduga atau dielakkan, sekarang adalah masa yang terbaik untuk mendapatkan perlindungan insurans!

Berikut adalah di antara sebabnya;

Mampu Milik – Peluang Yang Tidak Harus Dilepaskan

Salah satu sebab utama mengapa terdapat ramai yang masih belum memiliki perlindungan insuran adalah kerana kos insurans yang tinggi. Liberty Tenang telah direka dengan harga mampu milik dengan pelan-pelan yang berbeza, disesuaikan mengikut keperluan individu. Tambahan pula, inisiatif Perlindungan Tenang juga dikecualikan daripada cukai Jualan dan Perkhidmatan (SST) dan Duti Setem, bagi semua pemohon. Bagi segmen B40, ini adalah termasuk baucar RM75 yang boleh digunakan untuk membeli pelan tersebut.

Pelbagai Manfaat – Jaringan Keselamatan yang lebih mantap

Dalam masa yang memerlukan, produk ini melindungi mangsa kemalangan dan keluarga mereka dengan meringankan beban kewangan dan mengurangkan tekanan. Selain daripada perbelanjaan perubatan, sesetengah pelan juga menawarkan perlindungan bagi kos ambulan, perbelanjaan penginapan hospital, serta pendapatan dalam tempoh rawatan di hospital akibat kemalangan. Tidak lupa juga perbelanjaan pengebumian jika diperlukan, hilang upaya kekal dan juga pembedahan pergigian atau pembedahan pemulihan yang lain akibat kemalangan.

Proses yang Semudah A, B, C

Tiada borang permohonan yang panjang untuk diisi, malah dengan hanya beberapa klik, anda akan mendapat perlindungan insurans dengan serta-merta. Begitu juga dengan proses tuntutan yang lancar dan efisien, dengan pilihan membuat tuntutan menggunakan telefon atau menerusi talian utama yang dikhaskan.

Pelan yang Disesuaikan Mengikut Keperluan

Tiada satu pakej insurans yang mampu memenuhi keperluan setiap individu kerana kita semua mempunyai keperluan yang berbeza. Perlindungan yang mencukupi bagi sesetengah orang mungkin tidak memadai bagi orang lain. Kebanyakan pelan insurans adalah fleksibel kerana syarikat-syarikat insurans memahami akan jangkaan dan kemampuan kewangan setiap individu adalah berbeza.

Bagi menyokong inisiatif Perlindungan Tenang oleh kerajaan dan memastikan anda dan orang tersayang mendapat perlindungan daripada kejadian kecemasan yang tidak dijangka, Liberty Insurance telah melancarkan pelan insurans Liberty Tenang.

Dengan jumlah premium tahunan sebanyak RM75 atau lebih, bergantung kepada jumlah perlindungan yang diperlukan, Liberty Tenang merupakan pelan yang terbaik untuk semua pada masa sekarang. Pelan insurans ini menawarkan perlindungan maksimum RM60,000 untuk kemalangan jiwa, kehilangan upaya kekal atau indemniti berganda kerana kejadian kemalangan di tempat awam, pelan ini juga membiayai perbelanjaan perubatan akibat kemalangan, pembedahan gigi dan pemulihan, anggota palsu, manfaat kerusi roda, kos ambulan, perbelanjaan pengebumian dan elaun berkabung.

Terdapat tempoh “free-look” selama 15 hari, yang mana pemegang polisi boleh membatalkan polisi di dalam tempoh 15 hari daripada tarikh penerimaan polisi. Berikutan dari pembatalan ini, pemegang polisi akan menerima pulangan sepenuhnya bagi premium yang telah dibayar, hanya apabila tiada tuntutan dilakukan dalam tempoh tersebut.

Kepada mereka yang masih belum menebus baucar Perlindungan Tenang, jangan berlengah lagi dan lakukannya sekarang dengan memilih Liberty Tenang sebagai pilihan terbaik.

 

Read the full article here

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