Insurance companies in Malaysia paid out Rm404.7 million (US$127 million) in
claims over stolen private vehicles last year, according to data released by the
General Insurance Association of Malaysia (PIAM). A total of 8,673 private
cars were reported stolen last year throughout the country.
Asia Insurance Review 3/8/2010
P/S:
Now we can see the reason why Insurers are very rigid in the acceptance of
motor insurance.
Suggested Theft Preventive Measures:
1) When Parking your Vehicle:
a) Park at brightly lighted area where it is clearly visible to others
b) Wind up your window, remove the ignition key and lock your vehicle
c) Quality Steering lock be used to secure the steering wheel of the vehicle
d) Do not leave any valuables like computer, handphone etc on the seats
of your vehicle which can attract unnecessary attention from the would be
burglars
e) Ensure your vehicle alarm is maintain in good working condition. Do a
functional test on it regularly and any fault be rectified immediately.
Subscribe to the GPS (Captor Recover & Tracking System) which
is said to have a 99% success tracking and recovery rate
f) Try to park your vehicle next to a more expensive one to divert the burglar's
intent. Example. a Proton Wira parked next to a Toyota Camry 2.4V or
BMW or Benz
g) Try not to leave your vehicle to the jockey to park your car (unless the
jockey service is run by a professional outfit). Your key may be duplicated
without your knowledge. Be careful of the Disclaimer Clause which absorb
them of any blame for theft or damage to your vehicle whilst under their care.
h) Be vigilante at all times. Forget about parking your vehicle at the particular
spot if at all you feel very uncomfortable with the surroundings and the
people around there.
2) When Driving Your Vehicle
a) When driving at odd hours, be alert of vehicle constantly trailing you
from behind. The would be carjackers would purposely bump into your vehicle
forcing you to exit from your vehicle and inspect the damage. It is here that
they will strike by taking over the wheel and driving off with your vehicle and
leaving you stranded, scared and helpless.
b) If you are being trailed, drive to the nearest town or city centre and stop
somewhere where there are lots of people who may come to your aid if
situation demands or to the nearest police station (if you know where) to
force the car jackers to abandon their intent.
c) Do not leave the vehicle engine running without an adult in attendance.
Do not leave your children alone in the car. There are too many cases of
reports where the victim found their vehicle driven off (with the kids as well)
by the car jackers when they went into a shop to purchase sundry,
cigarettes etc.
d) If you are stopped by the police, JPJ Officers whilst driving for a
purported offence at a seculded location, please remember you have the
right to ask to see their authority card for verification. Ensure your door is
lock internally. Do not exit from your vehicle if the so called police or JPJ
Officers cannot produce their AC.There are just too many of these bogus
Officers around. Do not hassle over the offence. Ask for the summon ticket
(if they can produce it) and drive off. Do not attempt to bride them.
d) Be vigilant even when you are opening or closing the auto gate of your
house to park or reverse your vehicle especially early in the morning when
the sky is still dark or when it is already late into the night. If you suspect
something amiss, abandon your intent, and ensure it is safe to do so before
you open/close your auto gate.
IMPORTANT NOTE:
Please note there is a condition called "Due Diligence and Care" attached to
the motor insurance policy. Meaning, as the owner of the vehicle..you and/or
your authorized driver are required to exercise due diligence and care to
protect the vehicle from being stolen or damaged under controlled circumstances.
Some of those suggestions mentioned above are related to this condition.
Insurer reserves the right to reject any claims for theft arising from the failure
of the Insured to comply with this condition
The above are written for members reading pleasure only without any prejudice.
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