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Insurance Info - Insurance Made Clear

Insurance Info - Insurance Made Clear

Insurance is the transfer of risk by an individual, such as yourself, or an organisation, such as your business, to the insurance company. You or your organisation will thus be known as the policy owner. The insurance company receives payment in the form of premium and will compensate you in the event of losses or damages sustained by you.

Takaful is a protection plan based on Shariah principles. By contributing a sum of money to a common takaful fund in the form of participative contribution (tabarru’), you undertake a contract (aqad) to become one of the participants by agreeing to mutually help each other, should any of the participants suffer a defined loss. Both insurance and takaful have similar basic principles. For instance, the insured, such as yourself, must have a legitimate financial interest in the risk you are insuring, meaning you must suffer a financial loss when the insured event occurs. You can also buy more than one policy or plan to protect a particular risk but in the event of loss or damage, you can only make one claim. The amount payable will then be contributed by the insurance companies involved. As such, you cannot profit from your general insurance policy or takaful plan. If you suffer a loss, you will be compensated accordingly and no more than that. You will be paid or ‘indemnified’ to the position you were in before the loss. However, if you wish to cover your life, you can buy more than one policy. Your insurance or takaful contract is a contract of utmost good faith (trust). Thus, you as the policy owner need to disclose all material information required. If any of the relevant material facts are not disclosed, the policy may be invalid and you will not be protected against any loss or damage. In addition, under the takaful plan, you can enjoy a share of the surplus from the takaful fund, based on a pre-agreed ratio if you have not made any claim during the year.

Things to Note: Motor Takaful

Things to Note: Motor Takaful

	Motor takaful not only protects your motor vehicle from losses or damages such as accidents, but also helps other participants of the plan. This is because as a participant in the plan, you contribute towards a general takaful fund in the form of participative contribution (tabarru'), which will be used to help other participants whose vehicles are involved in an accident. If you have not made a claim during the period of takaful, you are also entitled to a share of the surplus in the general takaful fund. The surplus shared is based on a pre-agreed ratio between you and the takaful operator. Below is an example of how surplus sharing can give you even more savings. Example: The sum covered is RM80,000 while the market value of the vehicle is RM100,000. The loss is RM5,000. The average condition will operate as follows.
	The takaful operator will only pay RM4,000 instead of RM5,000 for the loss. You have to bear the difference of RM1,000.

Mercedes Benz Paint Codes

Mercedes Benz Paint Codes:

Paint Codes For Mercedes Benz

A typical Mercedes Benz paint color code is 3 digits long and contains numbers only. Older codes may have a prefix of DB followed by a three digit number such as DB-723. Check the #1 driver side door jamb, #2 the radiator crossover or support bar, and also in the #3 engine compartment adhered to the underside of the hood. For a list of touch up paint colors for your Mercedes Benz go here: http://www.automotivetouchup.com/choosecolor/year.aspx?make=Mercd Benz.

The paint code for this Mercedes Benz ML350 is 040.

The paint color code of this Mercedes Benz is 197.

This Mercedes Benz has a paint color code of 723.

Welcome to Pristine

Welcome to Pristine

Welcome to Pristine

Pristine, the complete alloy wheel refurbishers, uses "state of the art" technology to get your alloy wheels back in to immaculate condition. With over 400 agents around the UK, there's a good chance you have someone local who can arrange for you to have your wheels processed. Please contact us to find your nearest agent. Normal wear and tear alone takes its toll on your wheels. They no longer look as new, detracting from your car's overall appearance. Using our complete refurbishment process, we can get your wheels back in to Pristine condition. Before After We offer a complete refurbishment service at a fraction of the cost a buying a new set of wheels!! We have detailed the complete refurbishment process within this site, so check it out and see how we chemically pre-treat, chemically clean, repair, lathe turn, powder coat or wet paint (colour coding speciality) and lacquer your wheels to get them back in toPristine condition. We have an exchange service available too, once again saving you lots of money. David James - Managing Director, quotes "We can't create a brand-new wheel from a grotty old one and on safety grounds, we won't repair buckled wheels, where the rim is distorted relative to the centre section. But the majority of bumps and scrapes can be repaired perfectly, as good as new". He continues "we have the highest standards of quality and production ensuring that all our customers get the best possible results that your wheels allow". There is no doubt that there is money to be saved by using our complete refurbishment process...... let us show you how. Top Tips: If the varnish on your alloy is chipped, touch it up with normal womens nail varnish. The best way to protect hand polished bare alloys is to buff once a week with chrome polish and then apply a polymer polish for protection. If you've driven through snow and ice on a gritted road, spray your wheels with WD40, this will protect them until you have time for a proper cleaning. If you want your alloys looking Pristine again then contact us!!

Getting that Plate Number you wanted at Jabatan Pengangkutan Jalan (JPJ) - Fendy Ahmad

Getting that Plate Number you wanted at Jabatan Pengangkutan Jalan (JPJ) - Fendy Ahmad

Getting that Plate Number you wanted at Jabatan Pengangkutan Jalan (JPJ)

One Timer February 12th, 2007

When I bought my first own car last time, I was so thrilled until I even purchased a specific Plate Number from JPJ.

At first, I thought that it’d be difficult to buy a number on my own without using the runner provided by the car sales agent. When asked, the agent told me that to buy a number would cost around RM400-RM500. Some other independent runners even quote me a lot more expensive.

I was little bit surprised when I got the estimation. Then I started to think, can it be that expensive and intricate if I had to buy the number myself. As a result, I did go to JPJ and gotten my favorite Plate Number in less than 30 minutes for only RM310.

In this post, I will illustrate the steps that I’ve taken to buy my car Plate Number at JPJ Wilayah Persekutuan office.

Anxiously yearned for

Getting ready
First thing I did was to browse to JPJ Wilayah’s website and click on the ‘No Kenderaan Terkini’. I need to know the latest running Plate Number so that I be able to decide the number I wanted appropriately.

Before I head on to JPJ, I make sure that I had bring the booking receipt received after placing an order to my new car. Apart than that, I also ensured that I have the list of other numbers if just incase the number I wanted already been taken.

Get it done
I arrived JPJ area at Wangsa Maju exactly 7.30AM and office hours only starts at 7.45AM. It’d be good idea to go there early as the queue to buy number isn’t that long yet. If I was late, let say, reached at 10 AM, the queue would be horrific.

I immediately enter a main hall which has counters for people to renew their road tax or perform vehicle name transfer. I gave a quick scan and found a counter that wasn’t that busy and ask the person behind it of how to buy Plate Number.

He then told me to take the ‘Borang’ first. He guided me to a counter that was located just outside of the main hall. I queued there for not more than 5 minutes, obtained the form and filled it in. Next, he told me to go to the rear of the main hall and will spot two counters with TV displaying current running Plate Number.

Once reached there, I immediately stand into queue to buy my fav number. While standing in the line, I noticed the screen was showing running number from 2000-4000. This means, my sought after number: 7222, wasn’t listed in the running number.

My turn to pick the number had come. I showed a piece of paper that has the numbers I wanted to the lady sitting behind the counter. She entered the first number to the system and responded to me by saying that the number is available. However, she told me that it isn’t in the running number. A running number would cost me RM210 and non-listed number need to add another RM100.

Without hesitation, I agreed to pay RM310 for that number. She took my I/C and started to key in to the system. Shortly, she printed a paper and gave it to me. That piece of paper, she said, must be enclosed together with other documents when registering for the new car Road Tax. In other word, just give it to my car sales agent.

A happy chap
That was it. The time showed 10 minutes after 8 o’clock in the morning and I have completed my purchasing. Still wasn’t that late, I rushed to Damansara to punch in for work.

To summarize it, buying a car plate number you need to;

1. Check out JPJ website.
2. Bring booking receipt and I/C.
3. Get to JPJ early.
4. Prepare list of numbers.
5. Be ready to pay up to RM310.
6. Give the proof of purchase to car sales agent.
7. Enjoy the new ride.

I learned it.

p/s This is how much people willing to pay for a number — RM200,000. Read it here.

Mercedes A-Class Price in Malaysia, Used Mercedes A-Class Price and NEW Mercedes A-Class Price

Mercedes A-Class Price in Malaysia, Used Mercedes A-Class Price and NEW Mercedes A-Class Price