High hazard vs very low hazard motorists: Which one particular are you? – Metro Information




What kind of driver are you? Do you ordinarily pace up when the website traffic light-weight turns yellow? We Malaysians are commonly seen as kiasu motorists, thanks to our notorious driving patterns. Things like dashing, violating website traffic rules and employing our telephones when driving are some of the frequent patterns we’ll see on the street.

The Malaysian Institute of Street Security Study documented that in 2016 on your own, there was a full of 521,466 street accidents, 7,152 of which have been deadly.

Drivers who are susceptible to reckless and risky behaviour on the street are categorised as substantial hazard motorists. When we may well occur throughout these substantial hazard motorists on the roadways, there are many additional Malaysians who are careful when they’re driving. They’re courteous to fellow motorists, normally aware about exactly where they park and obediently adhere to website traffic rules.

Based mostly on your patterns, which category do you belong to?



Your driver hazard profile affects you additional than you think. Successful July 1, 2017, the mounted top quality charges for Extensive and Third Celebration Fire and Theft Motor items have been liberalised, this indicates that motorists can now be billed different top quality charges based on their driver hazard profile.


Low hazard motorists take pleasure in decreased premiums as opposed to their riskier counterparts. Other than different top quality charges, the liberalisation of motor insurance policies makes it possible for insurers to offer other benefits to customers.


Buyers will now locate a wider array of items in the motor insurance policies business. Instead than the standard insurance policies options, insurance policies companies are now competing to occur up with new options that very best satisfies the demands of their customers.


With a dependable insurance policies approach, you can rest uncomplicated being aware of that you’re guarded when on the street.


Just before you dive into signing up for new options, seem at the different characteristics and contemplate which would very best advantage you based on your way of living. If you’re susceptible to selected dangers, like floods, it would be smart to spend in a approach that presents protection for flood damage.

Pricing shouldn’t be the only variable to contemplate when selecting an insurance policies approach. Ascertain what kind of defense you involve, regardless of whether the approach covers that, and if the price of the approach matches its price.
Possessing motor insurance policies is a substantial relief in the course of unexpected situation. In some instances, it can make or split a person’s bank equilibrium. So when you’re selecting on an insurance policies approach, be sure that you comprehend its protection.


Really don’t be shy – inquire inquiries and verify out testimonials. Really don’t jump into a approach with out totally being familiar with what it entails. It is also comforting to hear responses from an individual who is at this time coated by an insurance policies approach that you are seeking to buy.


This write-up is brought to you by Chubb Insurance Malaysia Berhad.

Chubb is one particular of the world’s premier publicly traded property and casualty insurers. Chubb’s operation in Malaysia (Chubb Insurance Malaysia Berhad) gives a in depth array of general insurance policies remedies this kind of as motor, journey, property and organization insurance policies for tiny and medium-sized corporations, and people as very well as intricate hazard remedies for substantial corporates by way of a multitude of distribution channels.

With a potent underwriting tradition, the corporation presents responsive provider and sector management built on economical strength. Chubb in Malaysia has a community of 23 branches and additional than 2,500 brokers.

Chubb recently introduced MY Car Insurance, its 1st non-tariffed motor insurance policies item that comes with standard deal for in depth protection and deluxe deal for further benefits.

For additional info about MY Car Insurance, remember to pay a visit to chubb.com/my-motor.



Leave a Reply