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FAQ

Soalan Lazim Frequently Asked Questions

Jawapan kepada soalan popular mengenai perkhidmatan kami Answers to popular questions about our services

Insurans & TakafulInsurance & Takaful

Kami bekerjasama dengan Etiqa Takaful, Zurich Takaful, Takaful Ikhlas, dan Allianz Insurance. Kami akan membantu anda mendapat sebut harga terbaik daripada semua rakan kongsi. We partner with Etiqa Takaful, Zurich Takaful, Takaful Ikhlas, and Allianz Insurance. We'll help you get the best quote from all partners.
Takaful adalah insurans patuh syariah berdasarkan konsep saling membantu (ta'awun) dan derma (tabarru'). Insurans konvensional berdasarkan kontrak komersial. Kedua-duanya menawarkan perlindungan yang setara. Takaful is syariah-compliant insurance based on mutual help (ta'awun) and donation (tabarru'). Conventional insurance is based on commercial contracts. Both offer equivalent coverage.
Biasanya dalam tempoh 24 jam selepas bayaran diterima. Anda akan menerima e-cover note melalui WhatsApp atau email. Road tax fizikal akan dihantar dalam 3-5 hari bekerja. Usually within 24 hours after payment is received. You'll receive the e-cover note via WhatsApp or email. Physical road tax will be delivered within 3-5 working days.

No Claim Discount (NCD)

NCD (No Claim Discount) adalah diskaun yang diberikan kepada pemegang polisi yang tidak membuat sebarang tuntutan dalam tempoh setahun. Kadar: Tahun 1: 25%, Tahun 2: 30%, Tahun 3: 38.33%, Tahun 4: 45%, Tahun 5+: 55%. NCD (No Claim Discount) is a discount given to policyholders who did not make any claims during the year. Rates: Year 1: 25%, Year 2: 30%, Year 3: 38.33%, Year 4: 45%, Year 5+: 55%.
Ya, NCD boleh dipindahkan kepada kenderaan baru atas nama yang sama. Untuk pemindahan kepada pasangan atau ahli keluarga, syarat tertentu ditetapkan oleh BNM. Hubungi kami untuk bantuan lanjut. Yes, NCD can be transferred to a new vehicle under the same name. For transfers to spouse or family members, specific conditions set by BNM apply. Contact us for further assistance.

Cukai Jalan (Road Tax)Road Tax

Mudah sahaja! 1) WhatsApp kami dengan maklumat kenderaan, 2) kami sediakan sebut harga, 3) buat bayaran, 4) terima e-cover note & road tax dihantar ke rumah. Semua boleh dilakukan dari rumah! Super easy! 1) WhatsApp us with vehicle info, 2) we prepare a quote, 3) make payment, 4) receive e-cover note & road tax delivered to your door. All from the comfort of your home!
Anda boleh memperbaharui road tax sehingga 2 bulan sebelum tarikh tamat. Kami syorkan untuk renew awal supaya anda tidak terlepas tarikh dan mengelakkan penalti. You can renew your road tax up to 2 months before the expiry date. We recommend early renewal so you don't miss the date and avoid penalties.

Insurans EhailingEhailing Insurance

Ya, pemandu ehailing (Grab, MyCar, dll) wajib mempunyai insurans ehailing. Tanpa insurans ini, lesen PSV anda tidak sah dan anda boleh dikenakan saman oleh APAD/SPAD. Yes, ehailing drivers (Grab, MyCar, etc.) must have ehailing insurance. Without it, your PSV license is invalid and you may be fined by APAD/SPAD.
Harga bergantung kepada jenis kenderaan dan syarikat insurans. Hubungi kami melalui WhatsApp untuk sebut harga terbaik. Kami juga menawarkan pelan ansuran bulanan. Pricing depends on vehicle type and insurance company. Contact us via WhatsApp for the best quote. We also offer monthly installment plans.

PembayaranPayment

Ya! Kami menyediakan pilihan ansuran 3 bulan, 6 bulan, dan 12 bulan melalui rakan BNPL (Buy Now Pay Later) kami. Proses kelulusan pantas dan mudah. Yes! We offer 3-month, 6-month, and 12-month installment options through our BNPL (Buy Now Pay Later) partners. Quick and easy approval process.
Kami menerima pindahan bank (online transfer), FPX, dan bayaran ansuran. Pembayaran boleh dibuat terus kepada syarikat insurans/takaful melalui pautan yang disediakan. We accept bank transfers (online transfer), FPX, and installment payments. Payment can be made directly to the insurance/takaful company via provided links.

Situasi KhasSpecial Situations

Ya, boleh! Walaupun kereta masih dalam loan, anda berhak memilih syarikat insurans sendiri. Anda tidak wajib guna insurans yang ditawarkan oleh bank. Hubungi kami dan kami akan uruskan semua termasuk nota perlindungan kepada pihak bank (pemegang hak milik). Yes, you can! Even if your car is still under loan, you have the right to choose your own insurance company. You're not obligated to use the insurance offered by the bank. Contact us and we'll handle everything including the cover note to the bank (interest holder).
Secara amnya, anda perlu tunggu sehingga polisi tamat untuk menukar syarikat insurans. Namun dalam kes tertentu (contoh: tukar nama kenderaan), anda boleh membatalkan polisi dan mendapat refund pro-rata. Hubungi kami untuk semakan percuma — kami akan nasihatkan pilihan terbaik untuk situasi anda. Generally, you should wait until your policy expires to switch. However, in certain cases (e.g., vehicle ownership transfer), you can cancel and get a pro-rata refund. Contact us for a free assessment — we'll advise the best option for your situation.
Insurans: Jika tamat lebih 90 hari, NCD anda akan reset ke 0%. Kenderaan tanpa insurans aktif juga tidak dilindungi sekiranya berlaku kemalangan. Road tax: Memandu tanpa road tax yang sah adalah kesalahan dan anda boleh disaman serta didenda sehingga RM2,000. Jangan tunggu — renew segera! Insurance: If expired for more than 90 days, your NCD resets to 0%. A vehicle without active insurance is also not covered in case of accidents. Road tax: Driving without valid road tax is an offence and you can be fined up to RM2,000. Don't wait — renew immediately!
Ya, kami menawarkan pakej istimewa untuk pelanggan yang renew lebih dari satu kenderaan. Anda mungkin layak mendapat harga yang lebih baik dan servis prioriti. WhatsApp kami dengan maklumat semua kenderaan anda untuk sebut harga pakej! Yes, we offer special packages for customers renewing more than one vehicle. You may qualify for better pricing and priority service. WhatsApp us with all your vehicle details for a package quote!

Masih ada soalan? Still have questions?

Jangan segan untuk hubungi kami. Kami sedia membantu! Don't hesitate to contact us. We're happy to help!

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Quotation and Policy are issued by MYCARROADTAX (Alonso Enterprise 002172603-V), an approved Financial Adviser and Islamic Financial Adviser under Bank Negara Malaysia (BNM).