RENEWING ROADTAX IN JULY 2009

[SooJin Lim]

My Dear Fellow Old Car Owners,

Old Cars refers to our cars by some of the insurance companies. When my car was due for renewal of the roadtax, I was informed by my regular insurance agent that he cannot renew my 3rd party cover anymore because he told me that the government have limited the cover on 'OLD CARS' to 2 companies. From other sources I was told that the insurance companies were not making money so are introducing ways to make profits due to the amount of claims. I have not claimed a cent for the past at least 30 years or as far as I can remember. Whomever is making regular claims only the Insurance companies know but not taking action if it is illegal. I also went to Post Office, because someone told me that it is easier in the post office. I was given a list of documents that I will have to make copies of and present to them and they will then proceed with the process. Also because I am over 65 years young, I will have to get a doctor to certify that I am fit to drive.

Anyway I am only an ordinary citizen of this country, uninfluential nor trying to control of any groups of people. I only wanted to continue using my beloved car. Since I was told that I have to go to PUSPACOM, the only valid authority on the roadworthyness of a wehicle, to have my car approved to be authentic. So like an obedient citizen, my car was approved by PUSPACOM. I was the 9th vehicle in the cue at 0745hours on 14th July 2009. I finally entered the gate at 0830hours and was given a form to fill up but still have to follow the cue. Finally I was parked third in line to be checked, and then was allowed to leave the car to pay RM25 fee for the procedure at the cashier. Finally my car was to be checked. First my rubber linings for the doors were pulled down and they scratched the paintwork to have a close look at around the center posts between the doors. I was called to go to the car and reinsert the rubber linings. They found the engine number quite quickly but was having difficulty to confirm that the chassis number was the same as the one in the registration card. Finally they called someone from the office. Then I was finally approved at 0920.

Through one of our members Mr. Rukshan Munesinghe, I got the insurance cover and I went to JPJ in PJ. It was like normal renewal there. Arrived at JPJ, parked my car at the free parking provided, went to get a cue number, my number was up in about 5 minutes and it took the clerk to give me my Road Tax in less than 2 minutes.

I finally realised that all the fuss is created by the companies. How did they get to dictate the difficulties to cause to owners of vehicles? Who are the influential people or groups that is coltrolling these companies. The law seem to be working with them. Why do we have to keep suffering the heat under the same umbrella?

This message is not intended to offend anyone but if it did i apologise. It is only my feelings that is hurt and I have to destress. THANK YOU for listening.

--
soojinLIM
60 17 3318 380
http://groups.google.com/group/msvcrkl

c.c. Mr. Secretary, MSVCR, if you feel this is fit for the consumption of the rest of the membership and have no legal implicaions, please pass on. TQ sjin

[SooJin Lim]

Thank you Mr. Krishnan for your response. Good to know that you could provide the service without what other companies were asking for. The Post office in Bangsar asked for the whole list of copies of documents. Only the JPJ carries on without any fuss.

Warmest Regards

soojinLIM

2009/7/29 Robbie Krishnan <robbie....@gmail.com>

Hi Sir, interesting read.... just to let you know, the car does not need to go for inspection through our company. and you can renew the roadtax at the local post office..

best regards

Robbie Krishnan

On Wed, Jul 29, 2009 at 2:03 PM, SooJin Lim <msv...@gmail.com> wrote:

My Dear Fellow Old Car Owners,

--
Robbie Krishnan
251 Jalan Tun Razak,
50400, Kuala Lumpur,
Malaysia
+603 21421066  (O)
+603 21417578  (F)
+60123776776   (M)
www.amcmotorsasia.com

[Andrew Suresh]

Hello Everyone ,

There appears to be conflicting views on the issuance of 3rd party
insurance policies by Malaysian Motor Insurance Pools (MMIP) via the
postal offices .

One MMIP official confirmed that 3rd party insurance policies would
ONLY be issued upon presentation of a Puspakom inspection certificate
by the proposer ( insured ) .

To the agents , kindly explain how policies are issued without
Puspakom certification . Are there any exceptions ?

Thank you

Andrew Suresh



009 at 11:19 AM, One Stop Solution<one...@gmail.com> wrote:
> Dear Uncle LIm,
>
> Thanks for mentioning my name on your email. I didnt want to replyt to all
> hence I would also like to note that I too dont need the puspakom inspection
> done to get the insurance as I mentioned to you the other day at your place.
>
> Thanks again for the kind words.
>
> Thanks & regards
> Rukshan Munesinghe
> Director
> One Stop Solution
> M: 012-399 8747
> F: 03-7727 2330
> W: www.onestopsolution.com.my
>
>
> Quote: If you have a problem, we have the solution!
>
>
> 2009/7/29 SooJin Lim <msv...@gmail.com>

[ricky ng sim loke]

Hello my dear Buddy Lim,                  It's so nice to read an interesting message/email, especially one that's so informative and precise !!                  You write very well and as such, you should provide your services for a fee to the govt.'s call to improve the standard/command of English for our younger generation !!                   Fortunately or maybe unfortunately, i didn't experience any probelm in getting a 3rd party insurance coverage for my Classic cars and that's simply because my nephew runs an insurance agency.                  My nephew claims that it's the insurance co./agency concerned  who has the sole discretion whether to accept/issue 3rd party insurance coverage. The decision is based solely on feasibility/profits. The insurance co.s personnel cannot differentiate between JUNK and CLASSIC/VINTAGE!!! This is the result when you get butchers to work as barbers !!!                   Just sidetrack for a moment, for those of you who have had their health insurance policies/hospitalisation benefits rejected because of previous claims or have been asked to pay more or ' loading ' because they are in a high risk group, they definitely need urgent assistance ! Imagine having paid the insurance co. for years uptil retirement and then this same co. tells you that after retirement, you are now immediately placed in the high risk group !! The Insurance co.'s reason/excuse is that   you are getting older and most probably your health will deteriorate! Isn't this the same reason itself that we purchase such insurance policies ?????                    Do any of you know of anyone, other than THE FANTASTIC FOUR, who grows older but gets stronger/heathier at the same time  and likewise continuously enjoys receiving improved income ?????                    Have a good day and i hope that you have enjoyed reading this bit of pent-up  frustration which has finally found an avenue to release !!                        --- On Wed, 7/29/09, One Stop Solution <one...@gmail.com> wrote:

[jus...@natlinetravels.com]

hi all,

HOT FROM THE OVEN !!!!

i just experience the renewal of 3rd party insurance this morning for my Mini clubman. i was told by the pos office counter staff that i needed the following to get the insurance;

1)Valid Puspokom Cert

2) Photocopy of the owners licence & IC

3)Reg Card

4)Copy of the expired insurance copy (optional)


I could only get it done with these documents.

justin



NATLINE TRAVELS INTERNATIONAL (M) SDN BHD
1st Floor, Quality Hotel City Centre Kuala Lumpur
Jalan Raja Laut, 50350 Kuala Lumpur, Malaysia
Tel: +60-3-2697 8001/8002
Fax: +60-3-2697 8003

-----Original Message-----
From: "Andrew Suresh" [suresh...@gmail.com]
Date: 07/30/2009 11:26 AM
To: msv...@googlegroups.com
Subject: Re: RENEWING ROADTAX IN JULY 2009

Hello Everyone ,

There appears to be conflicting views on the issuance of 3rd party
insurance policies by Malaysian Motor Insurance Pools (MMIP) via the
postal offices .

One MMIP official confirmed that 3rd party insurance policies would
ONLY be issued upon presentation of a Puspakom inspection certificate
by the proposer ( insured ) .

To the agents , kindly explain how policies are issued without
Puspakom certification . Are there any exceptions ?

Thank you

Andrew Suresh

[David Lacey]

Hi All,

Some observations from my side [please don't flame me too much!!]

The fundamental problem is that 3rd Party insurance rates have remained static for 30 years (as mentioned in Star newspaper), it appears the insurance companies have reached a point where 3rd party insurance makes no economic sense [the cost of claims rising year on year].

The current 'safety net' using the MMIP (or whatever it's called) is bound to fail: it's the same insurance companies contributing to it and with increasing demand (now virtually all 3rd party ins done this way), it's liabilities will soon exceed it's 'capitalisation' and government intervention would be neccessary.

What to do?

1) The government must revise 3rd party insurance rates to ensure that the offering of insurance by a business is economically viable.
2) as others have pointed out, there's some value in the creation of a 'classic car' insurance scheme that's separated from the usual 'old banger' 3rd party business. The problem here is how to define a classic car?? anything more than 25 years old?? [surely not as that includes bangers] Membership of a classic car club? [dare i say-open to fraud!!] Limited mileage? [wind-back merchants] Some inspection & judgement by puspakom to defimne as classic?? Special usage restriction (like singapore)? -- All sound difficult to administer.

We need to be careful what we ask for: if we ask for classic car status we may find that our usage of the cars is restricted (mileage or days of week) or some expensive inspection requirements are introduced.

The Puspakom inspections sound like a good idea for the 'old banger' business - there is currently have no roadworthiness requirements before tax & insurance can be purchased, so there are a lot of dangerous-to-drive bangers on the road having accidents! Most european countries have a annual roadworthiness test, the USA only tests emissions. The problem for Malaysia is that the sheer volume of >25 year old cars is mushrooming ( a ~25 year lag on the economic boom of 70's & 80's) and *most* are in rather poor condition [contributing heavily to 3rd party claims]

In short, I think you must be prepared to pay a little more for 3rd party insurance in future... the only other way would be government subsidy....and potentially a regular Puspakom inspection will be needed. Paying a little more and retaining unrestricted use of the cars may well turn-out to be the best compromise.

any other ideas??

David @ Penang
(your www.msvcr.com webmaster)

----- Original Message -----
From: SooJin Lim [mailto:msv...@gmail.com]
To: msv...@googlegroups.com
Sent: Wed, 29 Jul 2009 14:03:13 +0800
Subject: RENEWING ROADTAX IN JULY 2009

My Dear Fellow Old Car Owners,

Old Cars refers to our cars by some of the insurance companies. When my car
was due for renewal of the roadtax, I was informed by my regular insurance
agent that he cannot renew my 3rd party cover anymore because he told me
that the government have limited the cover on 'OLD CARS' to 2 companies.
From other sources I was told that the insurance companies were not making
money so are introducing ways to make profits due to the amount of claims. I
have not claimed a cent for the past at least 30 years or as far as I can
remember. Whomever is making regular claims only the Insurance companies
know but not taking action if it is illegal. I also went to Post Office,
because someone told me that it is easier in the post office. I was given a
list of documents that I will have to make copies of and present to them and
they will then proceed with the process. Also because I am over 65 years
young, I will have to get a doctor to certify that I am fit to drive.

Anyway I am only an ordinary *citizen* of this country, uninfluential nor

[One Stop Solution]

Justin,

Let me know if you need the insurance and road tax done. I only need
coply of registration card and expiring insurance policy copy to start
off with. Insurance will be done within the same day and road tax can
be done almost immediately

Rgds,
Rukshan



On Jul 30, 2:33 pm, "jus...@natlinetravels.com"

> 009 at 11:19 AM, One Stop Solution<ones...@gmail.com> wrote:
> > Dear Uncle LIm,
>
> > Thanks for mentioning my name on your email. I didnt want to replyt to all
> > hence I would also like to note that I too dont need the puspakom inspection
> > done to get the insurance as I mentioned to you the other day at your place.
>
> > Thanks again for the kind words.
>
> > Thanks & regards
> > Rukshan Munesinghe
> > Director
> > One Stop Solution
> > M: 012-399 8747
> > F: 03-7727 2330
> > W:www.onestopsolution.com.my
>
> > Quote: If you have a problem, we have the solution!
>

> > 2009/7/29 SooJin Lim <msvc...@gmail.com>

> >> sjin- Hide quoted text -
>
> - Show quoted text -

[AMC - Classic Cars & More]

Hi All,

As mentioned, my Company introduced 1st party insurance for classic
cars in 2003 and we still do 1st and 3rd party insurance. Many owners
have complained that its getting harder to get classic car insurance.
One main its not a money churner for the insurance company, so they
refer most people to the MMIP and there is loading on the policy. MY
Company works with Multi Purpose Insurance and we can offer 3rd party
insurance for classic cars without having to go to PUSPAKOM and
getting car inspected.. I have issued over 80 policies over the past 2
months and all were able to get the roadtax without having all the
documents at the post office.... Its Good to know that there are
other Companies also able to provide Insurance for classic
cars....Basically we do not use the MMIP and its issued directly from
Multi Purpose with very minimal loading. We will also introduce 3rd
Party Insurance with fire and theft later this year and also
restoration Insurance ( Agreed value for car while being restored, In
case of fire, theft or damge at the mechanic's shop). I hope this
helps...pls call me at 0123776776 if you need further help or
questions. Btw we are also offering 80% classic car financing through
CIMB.

[Andrew Suresh]

Dear Robbie and Rukshan ,

You have both represented yourselves to members of this thread as
insurance agents specialising in vintage and classic automobiles .

Your services could be viewed as a positive contribution towards the
growth of our classic car industry especially in light of the recent
joint decision by a group of insurance companies to withdraw issuance
of 3rd party insurance policies simultaneously without notice to the
affected policyholders .

As David Lacey rightly points out , the insurers claim that the
issuance of such policies make no economic sense due to the rising
cost of claims yearly .

This being the case , motorists who are not entitled to purchase
comprehensive insurance policies due to the age of their vehicles
and/or other factors , are forced to buy 3rd party insurance policies
from Malaysian Motor Insurance Pool ( MMIP ) as such vehicles are
deemed to fall within the high risk category .

Due to the sheer volume of applications that would be heading it's way
, MMIP has entered into an agreement with Pos Malaysia ( local postal
agency ) to ease the voluminous process of issuing 3rd party insurance
policies to owners of vehicles above 10 ( or maybe 15 ) years from
date of manufacture .

However, the pre-conditions attached to the approval and issuance of
such policies are stringent as MMIP aims to weed out non-roadworthy
vehicles from our roads for good .

Among the pre-conditions attached include the presentation of a
Puspakom Vehicle Inspection certificate ( for all cars ) and a medical
report ( for those above 65 years of age only ) .There is a base or
initial loading of 100% and an rising percentage on loading thereafter
according to the age of the vehicle , age of the insured and past
claims experience.

Yesterday , Justin obtained a 3rd party insurance policy for his Mini
Clubman from a Post office , after fulfilling the relevant pre-
conditions ( his email refers ).

However , in reply to Uncle Lim's message on his recent experience in
buying a 3rd party policy for his Ford Escort MK1 , both of you
impressed upon him and members of this thread that Puspakom
Certification is NOT required prior to issuance of a 3rd party
insurance policy .

For the benefit and knowledge of all , could you please clarify and
state the procedure involved in obtaining a 3rd party insurance policy
without the necessity of having the car inspected by Puspakom .

Are you representing MMIP or other insurance companies ?

Do the other insurance companies impose similar preconditions as MMIP ?

Do also give us a breakdown of the rates offered by MMIP and the other
companies .


Old car owners are not pleased with the current state of affairs .
Hence , it is important for those offering these specialised
insurances services to advise us on the guidelines as set out by their
principals clearly so as to avoid any confusion on the issue .

I await your early reply

Thank you

Kind Regards ,

Andrew Suresh

[SooJin Lim]

Dear Andrew,

Thank you for the support in our group. This is the part that I cannot represent. I am now sending this BCC to the rest of our members who are in the group yet, so that they will also understand our discussions.

Warmest Regards

soojin

2009/7/31 Andrew Suresh <suresh...@gmail.com>

[Shenton Nunis]

Dear all.... I just went to JPJ, Padang Jawa to renew my road tax & Insurance for my 42-year old 1200-cc car, I managed to get the 3rd party insurance there without any fuss or hassle, but have to admit that the difference in the premium is slightly more then double, my previous premium only cost me RM 110.00 but now cost RM 320.00 As a matter of fact he also did offered me 1st party insurance for a premium of RM 340.00 for a RM8,000 coverage. There was no need for any inspections or any other insurance to be added it was just plain straight forward.... You pay this guy the money, he online the cover note & you can go do your road tax.

To me it is very simple.... these cars are not on the high theft demand neither is it driven recklessly to the point there are high accident claims, it is mealy a pleasure car driven with great pride. Therefore the insurance is just a requirement in order to drive the car legally on our Malaysian roads.

For those who had difficulty in the past don't have to worry too much, after all we have been playing with these classic cars for more then a decade, when small problems like this crops up, there will be people out there that will make things sound impossible but in reality its not! Unless the government banns the use of Classic cars on the road then only we will have a problem to worry about.

Till then..... Happy motoring!!!

SHENTON EDMUND NUNIS

(Actions Vehicles Director & Precision Driver)

PERWAJAR ENTERPRISE

23LORONG SANGGUL 1D 

BANDAR PUTERI

41200 KLANG, SELANGOR D.E.

W.MALAYSIA.

FAX: +603-51626410

MOBILE: +6012-3987696

  :  +6016-3237696

email: she...@perwajar.com

[Surjit]

Dear all, I remember some time back paying a premium of rm45 for 3rd
party coverage for my car,
now that is peanuts to pay, imagine the admin costs must be much more
than that.
All good things do come to an end, I guess we have to bite the bullet
and soldier on.
I have a fren who for so many years was on 3rd party ins, but this
year had to renew on comprehensive,
2 weeks back his son crashed the car,totalled it, now isn't that
fortunate that he renewed comp. otherwise he would have got zilch,
nothing, If we can afford classic cars then pay the price for it too.,
you guys may not feel it but I have 10 cars to insure... Cheers Have
a good day..Surjit.

> email: shen...@perwajar.com

>
> On 31 Jul 2009, at 7:29 PM, SooJin Lim wrote:
>
>
>
> > Dear Andrew,
>
> > Thank you for the support in our group. This is the part that I  
> > cannot represent. I am now sending this BCC to the rest of our  
> > members who are in the group yet, so that they will also understand  
> > our discussions.
>
> > Warmest Regards
>
> > soojin
>

> > 2009/7/31 Andrew Suresh <suresh.and...@gmail.com>

> ...
>
> read more »- Hide quoted text -