2 December 2018

Play Your Role, Be a Safe Driver

Hai semua, 

Sekarang ni rata-rata rakyat Malaysia mempunyai sebiji kereta. Kalau dulu, orang yang mempunyai
kereta ni hanya untuk bermegah-megah. Tapi sekarang ni perkataan bermegah dengan kereta tu
sudah semakin tenggelam ditelan arus pemodenan. Memiliki kereta merupakan satu keperluan.




Sebab apa Juju berani kata kereta merupakan satu keperluan? Sebabnya situasi ni terjadi dekat diri Juju sendiri. Sepanjang bekerja di Kuala Lumpur dulu memang Juju tak berani langsung nak drive di tengah-tengah bandar. Rasa menggigil kepala lutut ni ha. Tapi disebabkan tempat kerja Juju jauh daripada pengangkutan awam, jadi Juju beranikan diri untuk memandu di bandaraya Kuala Lumpur.

Hasilnya, sekarang ni kalau Juju memandu seorang pun InsyaAllah Juju tak sesat. Sampaikan abah Juju pun puji. Dia kata ‘Tak sia-sia abah bagi kau kereta untuk hidup dekat KL ni.’ Fuh! Kembang jap hidung.

Tapi, isunya sekarang adakah kita sedar kita ini pemandu yang selamat? Mesti ramai yang kata macam ni ‘Ala dulu peraturan sekolah pun aku langgar, apatah lagi peraturan jalanraya.’ Peh, bongkak sungguh anda. Juju harap tiada pembaca blog Juju yang berpendirian macam ni ya.

So harini suka Juju nak ingatkan, kita sebagai pengguna jalanraya wajib mematuhi undang-undang jalanraya. Antara undang-undang yang wajib kita patuhi adalah:
  • Sentiasa ikut had laju yang ditetapkan
  • Tidak menggunakan telefon bimbit semasa memandu
  • Patuhi papan tanda keselamatan jalan raya
  • Berikan isyarat dan dan patuhi semua peraturan keselamatan semasa menukar lorong
  • Elakkan daripada mengekori kenderaan lain dengan terlalu rapat
  • Jangan memotong barisan atau menyalahgunakan lorong kecemasan

Semoga kita semua sentiasa dalam perlindungan dari-Nya semasa memandu. Juju takut betul kalau tiba-tiba terjadi kemalangan. Risau pasal insurans. Cover ke tak cover kerosakan kereta Juju ni nanti.

Bercakap pasal insurans, Juju nak kongsikan sikit maklumat yang Juju jumpa di website http://www.malaysiantakaful.com.my/ yang berbunyi:

BENEFITS OF MOTOR INSURANCE/TAKAFUL LIBERALISATION FOR CONSUMERS
Motor insurance/takaful is a compulsory cover by law which vehicle owners are required to purchase to renew their road tax. However, motor insurance/takaful is not solely to allow you to renew your vehicle road tax but also provides you compensation in the event you meet with an accident and also pays for claims submitted by a third party against you in the event you cause bodily injury or property damage to this third party.

Motor insurance/takaful is currently under a tariff which sets premiums/takaful contributions that insurance companies and takaful operators can charge.  The motor tariff is regulated and supervised by Bank Negara Malaysia, the regulator of the insurance and takaful industry.

With the phased liberalisation of the motor tariff on 1 July 2017, insurance companies and takaful operators will be given some freedom to price the premiums/takaful contributions. This phased liberalisation will begin for Comprehensive and Third Party Fire and Theft classes. Premiums/takaful contributions to be charged for these classes will be based on the risk profiles of the vehicle owners or the vehicle itself. This will result in an open market with competitive pricing. Consumers will have the freedom to shop around for the best prices based on their individual insurance/takaful needs.

On this point, it should be noted that cheaper premiums/takaful contributions does not mean the best solutions. Consumers must compare the coverage they are given to ensure their risks are fully covered or insured/covered. Thus, consumers will be empowered to make their own choices and have the power to decide on what they want and need. Insurance companies and takaful operators will also be allowed to offer additional products attached to the Motor policies/takaful certificates for consumers to pick and choose what they want from the array of new products.

If you are a careful driver, under the tariffed environment, you may have been paying a premium/takaful contribution which is higher than your risk profile. Under the liberalised environment, if your risk profile is good, you will be able to enjoy lower premiums/takaful contributions. While this is subject to the assessment of your insurance company and takaful operator, fairer pricing will benefit consumers.

Senang kata, insurans kereta memang wajib diambil. Kita tak tahu apa yang akan terjadi semasa kita memandu. Kadang-kadang kita ni dah memandu ikut kelajuan yang ditetapkan, tiba-tiba ada pula pemandu yang memandu secara berbahaya. Tak pasal-pasal kita pun terjebak sekali.


Gambar dekat atas ni pula memang kereta Juju. Tapi ini bukan disebabkan oleh kecuaian manusia, tapi disebabkan oleh seekor haiwan berkaki pendek yang melintas jalan tak tengok kiri kanan. Aduh, melayang duit repair kereta ni. Mujur ada insurans boleh cover sikit. Taklah berat sangat Juju tanggung kerosakan kereta ni.

Untuk mendapatkan maklumat lanjut mengenai insurans kereta yang bersesuai, korang boleh ke website http://www.malaysiantakaful.com.my/ atau http://www.piam.org.my/
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4 comments:

  1. uishhh teruk betul kereta kak juju tuhhh...serammm nengokk

    ReplyDelete
  2. mak ai..bahaya jugak yeee binatang kaki pendek tuuu! hari tu kat taman u terserempak jugak, tapi nasib baik la dia lintas jalan lepas kete saya lalu..nampak kat cermin pandang belakang..seremmmmm laju betul lari

    ReplyDelete
  3. setuju mmg kereta skang 1 keperluan..sbb xsemua tmpt ada public transport..insurans wajib ada dan amik tahu pelan yg amik sesuai ke x..spya x tersilap pilihan..

    ReplyDelete
  4. setuju mmg kereta skang 1 keperluan..sbb xsemua tmpt ada public transport..insurans wajib ada dan amik tahu pelan yg amik sesuai ke x..spya x tersilap pilihan..

    ReplyDelete

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