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Offer 50% rebate for flood damage to vehicles, Fomca tells insurance firms PDF Print E-mail
Monday, 27 December 2021 11:54

Gabungan Persatuan Pengguna Malaysia - FOMCA | Vectorise LogoDecember 26, 2021 3:38 PM
PETALING JAYA: A consumer activist has called for insurance companies to offer 50% rebates on repair costs of vehicles affected by the recent floods.

Federation of Malaysian Consumers Associations (Fomca) president Marimuthu Nadason told FMT that this rebate could be considered as a corporate social responsibility (CSR) project of the insurance companies.

“Many vehicles have been found to be uninsured for natural disasters like floods. Up to 95% of vehicle owners won’t receive any compensation for repair costs.

“Insurance companies should look into such cases as long as they are insured with them,” he said.
Marimuthu highlighted several reasons why vehicle owners had overlooked insuring their cars against natural disasters.

“Firstly, the majority of Malaysians are not aware that insurance policies offer optional cover for natural disasters like flooding.

“Secondly, insurance companies have failed to advise vehicle buyers about this coverage before they purchase their policies.

“Lastly, floods are becoming more rampant and Malaysians, more specifically from Selangor, have underestimated their severity.”

Marimuthu said Fomca intended to send a letter to Bank Negara and the government to intervene by getting insurance companies to promote policies on natural disasters to the public.

Previously, the General Insurance Association of Malaysia (PIAM) and the Malaysian Takaful Association (MTA) had advised vehice owners affected by the floods to contact their respective agents for further advice and clarification if they were planning to make any claims.

A dent in vehicular insurance PDF Print E-mail
Monday, 13 December 2021 15:35

Elakkan Pembelian Panik, Bataskan Pergerakan Keluar Dari Rumah - NGO |  Malaysia AktifDecember 13, 2021 @ 12:03am
LETTERS: The Federation of Malaysian Consumers Associations (Fomca) has received numerous calls about vehicular insurance.

One peculiar case is whenever an accident happens — that is, when a victim's car is knocked by another driver — by law, both parties must lodge police reports.

This will enable the victims to claim from the offenders' insurance in the event the offenders do not want to pay for the damage.

Unfortunately, some offenders do not lodge reports, making it difficult for victims to claim the insurance.
Until and unless the offenders make a report, only then can the victims claim from the offenders' insurance, or else they have to claim from their own insurance.

In this event, the victims will lose their No-Claim Discount, which is unfair.

Why do victims have to go through this agony for others' mistakes?

This was what consumers said of the dilemma they are facing as they are not protected by law.

Once reports are lodged, police must take action against perpetrators and release their names to the media.

If this is done, people will be afraid to face the law and vehicle owners will be protected.

Attempts to stop price regulation of medicines PDF Print E-mail
Monday, 13 December 2021 15:26

Elakkan Pembelian Panik, Bataskan Pergerakan Keluar Dari Rumah - NGO |  Malaysia Aktif10 Dec 2021 6:43PM
Medicines are not a commodity to be based solely on supply and demand. Medicines saves lives. It is essential for the survival and recovery of consumers.
Medicines cannot be dealt with as other commodities; that is the reason medicine affordability is under the Ministry of Health and not any other trade Ministry.

Medicine is a critical consumer right. It should be never be dealt with based on how much profits the seller makes.

A market review on the pharmaceutical sector was undertaken by the Malaysia Competition Commission.

According to the report, “Malaysian drug prices are high by international standards”. It appears that the pharmaceutical companies in Malaysia are making exorbitant profits by international standards.
In another study, it was found that “Malaysia has average higher retail prescription prices compared to Australia due to the lack of pharmaceutical regulation”.

Further according to the Pharmaceutical Services Programme, Ministry of Health Malaysia (2018) on Medicines Prices Monitoring Malaysia (2017), wholesale medicine prices in Malaysia are eight times greater than the International Reference Price (IRP).

Further in a 2019 study by the University of Malaya, it was revealed that 72% of cancer patients experienced financial catastrophe during the first year of treatment in private hospitals, while one third of households became impoverished.

It is for sure that Big Pharma would want to maintain their excessive profits.

That is why the Federation of Malaysian Consumers Associations (Fomca) has been consistently engaging with the Ministry of Health on the issue of medicine price affordability and price regulation.

Henti tuntutan insurans tak adil, kerajaan diberitahu PDF Print E-mail
Monday, 13 December 2021 15:18

Elakkan Pembelian Panik, Bataskan Pergerakan Keluar Dari Rumah - NGO |  Malaysia AktifDecember 10, 2021 6:59 PM
PETALING JAYA: Persekutuan Persatuan-persatuan Pengguna Malaysia (FOMCA) menarik perhatian terhadap pemandu yang terpaksa membuat tuntutan daripada insurans sendiri dalam kemalangan walaupun pihak lain yang bersalah.

CEO FOMCA, Saravanan Thambirajah berkata sekiranya dua kereta berlanggar, kedua-dua pihak mesti membuat laporan polis.
Namun beliau berkata, lazimnya hanya satu pihak membuat laporan polis manakala satu lagi tidak, seterusnya boleh terlepas daripada dikesan.

“Hanya jika pelaku itu membuat laporan polis, barulah mangsa boleh menuntut insurans orang itu, jika tidak mereka terpaksa menggunakan insurans sendiri.
“Dalam keadaan itu, mangsa akan kehilangan bonus tanpa tuntutan (NCB) dan ini amatlah tidak adil. Kenapa mangsa perlu melalui kesusahan ini semata-mata kesilapan orang lain?” katanya dalam kenyataan hari ini.

Saravanan berkata, satu lagi isu penting melibatkan pemandu tanpa insurans kereta sah yang juga boleh terlepas daripada dipertanggungjawabkan.

Katanya, golongan itu boleh membaharui insurans tahunan tanpa dipertanggungjawabkan bagi tuntutan kemalangan terdahulu.

Saravanan berkata polis wajar mewujudkan agensi berasingan untuk mengendalikan kes kemalangan kerana berdepan ratusan kes seperti itu setiap hari.

Katanya, Bank Negara Malaysia selaku pengawal selia syarikat insurans juga perlu membetulkan keadaan ini dengan segera.

“Langkah tegas perlu diambil untuk mengekang keadaan ini sebelum lebih ramai pengguna jalan raya yang tidak bersalah menjadi mangsa kelopongan undang-undang dan pemandu yang tidak bertanggungjawab.

“Pesalah mesti dihukum, dan mangsa yang tidak berdosa perlu dilindungi menerusi insurans, tanpa kehilangan NCB.”



Vehicle insurance premiums likely to remain unchanged PDF Print E-mail
Friday, 12 November 2021 11:39

November 11, 2021 7:21 PM
GEORGE TOWN: Insurance premiums for vehicles are likely to stay at the same level in the coming year despite a lower number of accidents and thefts during the pandemic and lockdown periods.

Lee Yen Ming, who runs a Bank Negara-approved insurance comparison site, said this was because the number of claims had remained high before the pandemic.

He said before the pandemic, the claim ratios “had exceeded 100%” before the lockdowns began.

Despite fewer claims made during the lockdown periods, premiums were likely to stay the same, as insurers try to recoup their losses, Lee said.
“Insurers will have to account for some of the shortfalls faced before the pandemic,” the CEO said during a webinar today.

Lee anticipated that future calculations of insurance premium payments would go high-tech, based on telematics.

Telematics involves using a tracker fitted into a car to determine how gently or roughly a vehicle is driven. It also helps in the recovery of a vehicle in case of theft, as it is built-in with global-positioning system (GPS) tracking.

Lee said insurers would then reward customers who drove well and economically under this telematics system, offering discounts on their annual premiums.

He said the telematics move will see the phasing out of traditional, fixed-price premiums currently in use, giving way to personalised premiums based on the driver’s risk profile.

'Scammer online' menjadi-jadi PDF Print E-mail
Friday, 12 November 2021 11:14

FOTO HIASANNovember 12, 2021 @ 7:00am
Kuala Lumpur: Sebanyak 8,162 kes penipuan e-dagang dengan kerugian berjumlah RM57.73 juta dilaporkan di seluruh negara sepanjang tahun ini hingga 31 Oktober lalu.

Pegawai Penyiasat (Pelaburan Bersindiket atau Lain-lain Jenayah) Jabatan Siasatan Jenayah dan Komersial (JSJK) Bukit Aman Asisten Komisioner Mohd Sa'adon Sabirin berkata, trend penipuan e-dagang dilaporkan terus meningkat jika dibandingkan pada 2018 dengan 3,318 kes membabitkan kerugian berjumlah RM22.39 juta.

"Keadaan bertambah teruk pada 2020 apabila pandemik Covid-19 melanda yang mana 5,848 kes penipuan e-dagang dilaporkan apabila lebih ramai orang membeli dalam talian.

"Statistik ini adalah melibatkan mereka yang ditipu dan membuat laporan namun saya percaya masih ada tidak membuat laporan polis," katanya pada sesi webinar Penipuan e-dagang: Barang Hilang, Duit Melayang anjuran Bank Negara Malaysia (BNM), malam kelmarin.

Mohd Sa'adon berkata, jumlah keseluruhan kerugian dicatatkan bagi penipuan e-dagang untuk tempoh 2018 hingga Oktober lalu adalah bernilai RM149 juta.

Beliau berkata, rakyat Malaysia terdedah kepada penipuan e-dagang berikutan peningkatan trend pembelian dalam talian secara tidak langsung boleh menjadi mangsa penipuan jika tidak berhati-hati ketika membuat urusan jual beli.

Pada masa sama, beliau meminta agar mangsa penipuan e-dagang untuk membuat laporan polis bagi membolehkan maklumat dan data berkaitan scammer dikumpul untuk tindakan selanjutnya.

Pesara dakwa ditipu anak saudara PDF Print E-mail
Wednesday, 22 September 2021 13:24

Mangsa meminta isterinya membuat transaksi pemindahan wang secara dalam talian ke akaun yang dikatakan milik ASP. - Foto hiasan NSTPSeptember 22, 2021 @ 10:42am
KUANTAN: Seorang pesara membuat laporan polis mendakwa kerugian RM16,000 selepas ditipu anak saudaranya, bagi melepaskan anaknya yang ditahan polis bagi kesalahan berkaitan dadah, Julai lalu.

Ketua Jabatan Siasatan Jenayah Komersial Pahang, Superintenden Mohd Wazir Mohd Yusof, berkata mangsa berusia 62 tahun mendakwa menerima pesanan WhatsApp daripada seorang lelaki kononnya anggota polis berpangkat asisten superintenden (ASP) pada 6 Julai lalu, berhubung tangkapan anaknya oleh Ibu Pejabat Polis Daerah (IPD) Jerantut.

"Suspek mendakwa boleh membantu melepaskan anaknya, namun perlu berurusan dengan anak saudaranya berhubung prosedur selanjutnya dan wang RM16,000 perlu disediakan bagi tujuan itu," katanya menerusi kenyataan, di sini hari ini.

Mohd Wazir berkata, mangsa meminta isterinya membuat transaksi pemindahan wang secara dalam talian sebanyak empat kali ke akaun yang dikatakan milik ASP itu di antara 17 dan 25 Julai lalu.

Beliau berkata, mangsa hanya menyedari ditipu selepas dihubungi polis pada 31 Julai lepas memaklumkan anaknya akan dihantar ke Simpang Renggam, Johor menyebabkan dia menghubungi anak saudaranya, bagi mendapatkan penjelasan dan pemulangan wang yang dibayar.

Katanya, suspek enggan berbuat demikian sehingga semalam, menyebabkan mangsa membuat laporan di IPD Jerantut.
Siasatan dijalankan mengikut Seksyen 420 Kanun Keseksaan yang memperuntuk hukuman penjara maksimum 10 tahun dan sebat dan boleh didenda, jika sabit kesalahan. – BERNAMA



Rugi lebih RM11,000 terpedaya panggilan scammer PDF Print E-mail
Friday, 27 August 2021 14:01

Hackers posing as Facebook friends are scamming people out of money, Mobile  police warn | WPMIOgos 27, 2021 10:55 MYT
KUANTAN: Seorang pelajar di sebuah institusi pengajian tinggi membuat laporan polis mendakwa adiknya menjadi mangsa sindiket penipuan hingga mendorong keluarga membuat bayaran lebih RM11,000.

Pengadu berusia 24 tahun menerima panggilan daripada adiknya yang berusia 22 tahun pada Khamis meminta wang untuk membayar kos penginapan tempat kerja selepas diminta berbuat demikian oleh pengurusnya di Kuala Lumpur.

Ketua Jabatan Siasatan Jenayah Komersial Pahang, Superintendan Mohd Wazir Mohd Yusof berkata, mangsa membantu adiknya itu dengan membuat bayaran dengan jumlah keseluruhan RM6,847 melalui sebuah akaun bank atas nama seorang lelaki yang diberikan adiknya itu.

Menurutnya, pada petang hari sama, adik pengadu menghubungi ibunya pula untuk meminta wang tambahan bagi tujuan sama.

“Kira-kira jam 5 petang pada hari berkenaan, ibu pengadu ke bank dan memindahkan wang ke akaun sama berjumlah RM4,336.

“Pada hari berikutnya, pengadu dihubungi adiknya memberitahu bahawa wang yang diminta bukan untuk penginapan sebaliknya dia menjadi mangsa panggilan sindiket penipuan,” katanya dalam kenyataan pada Jumaat.

Mohd Wazir berkata, susulan kejadian, pengadu membuat laporan polis di Balai Bolis Mentakab pada Khamis.

“Kes disiasat mengikut Seksyen 420 Kanun Keseksaan,” katanya.

*Berita asal di Sinar Harian



Protect motor insurance consumers - FOMCA PDF Print E-mail
Wednesday, 18 August 2021 10:50

Federation of Malaysians Consumers AssociationsAugust 16, 2021 @ 12:15am
LETTERS: Nicholas King's article on Allianz Road Rangers (NST, Aug 4) is an accurate description of what happens to many motorists after an accident.

The Federation of Malaysian Consumers Associations (Fomca) concurs that it can be traumatising if those involved have died or suffered serious injuries.

The journey after an accident — the mediation between car owners, the police report and encountering unscrupulous touts — is a nightmare for motorists.
Some motorists will experience depression after the accidents even though they are covered by insurance.

Fomca has received numerous complaints through its consumer complaint centre, the National Consumer Complaint Centre (NCCC), about vehicle insurance and the agony consumers go through to get their claims approved and to get their vehicles back.

Fomca also agrees with the Allianz chief executive officer's stand that insurance companies should do more to protect consumers and provide satisfactory services, as these are enshrined in the Fair Treatment of Financial Consumers (FTFC) guidelines issued by Bank Negara Malaysia.

Fomca cannot deny his claim that motor insurance is a billion-ringgit scam.

Bank Negara must ensure that consumers are protected from dubious parties involved in motor insurance.

Persatuan Insurans Am Malaysia (PIAM) must ensure that consumers are protected under the FTFC and are not victimised by insurers.

Frustration builds over refunds from online shopping platforms PDF Print E-mail
Friday, 06 August 2021 12:44

Federation of Malaysians Consumers AssociationsAugust 6, 2021 7:30 AM
PETALING JAYA: When Leona Lopez received her bulk order of household products from an online shopping platform, she was surprised to find some of the items damaged.

Lopez said it was difficult to get a refund or have her items replaced as it took days for a seller to reply to her inquiries and, usually, there would be no satisfactory solution.

“When I tried returning just one item, I was told it was rejected and they (online shopping platform) would return the item to me. I was confused. Would they send me back a new item or the damaged one?” she asked.

She said that with the pandemic, many have resorted to buying items online as they do not want to risk going out.

“When we purchase items online, we hope that they come as per the image shown on the site,” she said.

Recently, she said, she had purchased a mountain bike hub and when it arrived, the front hub was damaged, and her refund request is still under review.

She said it is frustrating when this happens, especially when sellers do not pack their items properly.

“I am sure I am not the only one experiencing this. I just hope that shopping online platforms can assist and protect their buyers. We should not be forced to accept wrong items or damaged ones,” she said.

Federation of Malaysian Consumers Associations (Fomca) CEO Saravanan Thambirajah said it has received many complaints on such issues since the movement control order (MCO) was implemented.

Saravanan said Fomca has received about 380 complaints this year.

“One of the common complaints is on customer service. There are cases where consumers have to file the same complaint a few times before they are heard,” he told FMT.

He said online shopping platforms should appoint customer care consultants to look into the complaints rather than use automated machines.

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