Jumaat, April 10, 2009

ISM (Insurance Services Malaysia)

ISM adalah Insurance Services Malaysia atau laman webnya www.ism.net.my. ISM ini adalah organisasi yang dianggotai oleh syarikat-syarikat Insurans di Malaysia. Mereka mempunyai database maklumat pelanggan untuk maklumat peratus NCD ( No Claim Discount ) yang diperlukan bagi sesebuah kenderaan untuk memperbaharui insuran.

Pihak wakil agensi sememangnya memerlukan maklumat tersebut untuk memastikan keuntungan pelanggan terjamin setiap tahun memperbaharui insuran sehinggalah tahun ke 5 iaitu 55% adalah NCD maksima bagi kenderaan persendirian. Untuk motorsikal nilai NCD maksima ialah 25% dan kenderaan perdagangan seperti lori juga adalah 25%.

Pihak pelanggan sendiri juga boleh menyemak NCD mereka sendiri hanya dengan menghantar khidmat pesanan ringkas atau SMS dengan menaipkan

NCD [No Kenderaan] [No Kad Pengenalan] dan hantar ke 39993
Contoh NCD WES1234 791110111000 hantar ke 39993

Setiap sms hantar dicaj RM 0.30 dan sms terima RM1.00

Contoh sms yang akan anda terima :
RM1.00 Your NCD for Vehicle WES1234 and owner 791110111000 is 55% efective 16/03/2009. Get print report at www.ism.net.my with code A16165.

anda juga boleh mendapatkan salinan NCD tersebut dengan masuk ke www.ism.net.my lepas tu klik Check NCD via SMS, klik NCD Report dan masukkan code tersebut.

Tips ini bagi pelanggan yang tidak mempunyai covernote lama atau polisi insurans terdahulu dari syarikat insurans.

1 ulasan:

Raffi Rahim berkata...


1) Insurance malaysia
2) Life insurance malaysia

In a nutshell, there are 2 big categories that make up Insurance benefit, namely Protection and Savings. The cost of your insurance is a balance between Protection component and Savings component. You can get proper advice by seeking insurance in malaysia. Some of informations maybe controversial to what you believe or what your agent will say.


3) Insurance services malaysia

Insurance services are provided by agents of insurance agencies that make his/her income via commission. There is no profession that is salary-paid in this industry. Therefore, more insurance they sell, more money they make. Before deciding on a insurance service provider or agent, make sure you know whose interest is served best in your discussion with agents. To do that, you must educate yourself on insurance in malaysia with an independant adviser and weigh the cost & value of different life insurance product.


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I say we get our own retirement plan in malaysia. Our EPF is not enough. Unless you can make sure you have great cash cow or successful business by your retirement age, if not, start having a plan to force you save and grow on its own.