{"id":34283,"date":"2022-08-16T11:00:07","date_gmt":"2022-08-16T03:00:07","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=34283"},"modified":"2022-08-16T10:15:10","modified_gmt":"2022-08-16T02:15:10","slug":"loading-in-car-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/loading-in-car-insurance","title":{"rendered":"&#8220;Loading&#8221; in Car Insurance"},"content":{"rendered":"\n<p>Some of you might not be familiar with some insurance terms as you slip through the pages of your policy. Be it when you want to purchase a policy plan or even renew a new one every year.<\/p>\n\n\n\n<p>Such confusing insurance terms may include <a href=\"https:\/\/bjak.my\/blog\/car-insurance-compulsory-excess-explained\/\">excess<\/a>, <a href=\"https:\/\/bjak.my\/blog\/what-is-betterment-in-car-insurance\/\">betterment<\/a>, <a href=\"https:\/\/bjak.my\/blog\/waiver-of-betterment-definition-function-procedure\/\">waiver<\/a>, <a href=\"https:\/\/bjak.my\/blog\/understand-your-car-insurance-policy\/#Endorsement\">endorsement<\/a>, <a href=\"https:\/\/bjak.my\/blog\/understand-your-car-insurance-policy\/#Basic_premium_gross_premium_and_final_premium\">premium<\/a>, etc. You may click the attached link to refer to our previous articles to learn about these terms. <\/p>\n\n\n\n<p>In this article, we would like to share one more insurance term that we have yet to discuss. That would be &#8211; loading. Read on to learn more about this insurance term.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d7c6edebae7\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d7c6edebae7\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/loading-in-car-insurance\/#What_is_%E2%80%98loading%E2%80%99\" title=\"What is \u2018loading\u2019?\">What is \u2018loading\u2019?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/loading-in-car-insurance\/#How_much_does_%E2%80%98loading%E2%80%99_cost\" title=\"How much does &#8216;loading&#8217; cost?\">How much does &#8216;loading&#8217; cost?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/loading-in-car-insurance\/#Given_scenario\" title=\"Given scenario\">Given scenario<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/loading-in-car-insurance\/#Compare_loading_charged_before_renewing_insurance\" title=\"Compare loading charged before renewing insurance\">Compare loading charged before renewing insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_%E2%80%98loading%E2%80%99\"><\/span>What is \u2018loading\u2019?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Loading is\u00a0<strong>an additional surcharge imposed on the basic premium rate<\/strong> based on several risks.<\/p>\n\n\n\n<p>Factors that may affect the risk where loading can be imposed are but are not limited to age of vehicle, the driver&#8217;s driving experience and adverse claims experience.<\/p>\n\n\n\n<p>Loading comes into play when an insurer is dealing with a high-risk candidate and is resorted to by insurance companies in cases where the risk to the individual is higher than in ordinary circumstances.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_much_does_%E2%80%98loading%E2%80%99_cost\"><\/span>How much does &#8216;loading&#8217; cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p> Although the type of risk is similar, the fee rate or &#8216;percentage loading&#8217; varies across insurers. The percentage ranges anywhere\u00a0<strong>between 15% and 35<\/strong>%.<\/p>\n\n\n\n<p>The higher the risk of an individual, the higher the percentage will be imposed.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Given_scenario\"><\/span><em>Given scenario<\/em><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ahmad has an old car (brand XX) registered in 2007. Thus, making his car turns 15 years old this year.<\/p>\n\n\n\n<p>In 15 years, Ahmad has never applied for an insurance claim &#8211; his NCD rate remains at 55%. However, despite Ahmad&#8217;s good record, his insurer still has to charge a percentage loading to his basic insurance premium at 30%. The reason being is the car is quite old.<\/p>\n\n\n\n<p>Therefore, the premium that Ahmad has to pay for 2022 is as followed:<\/p>\n\n\n\n<p><em><strong>Calculation before deduction of NCD, and loading charges:<\/strong><\/em><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Basic premium<\/strong><\/td><td>RM427.30<\/td><\/tr><tr><td><strong>Percentage loading (30%)<\/strong><\/td><td>RM128.19<\/td><\/tr><tr><td><strong>Amount due<\/strong><\/td><td>RM555.49<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong><em>After NCD deduction<\/em><\/strong><\/p>\n\n\n\n<p>RM555.49 &#8211; NCD (55%) RM305.50=&nbsp; <strong>RM249.97<\/strong><\/p>\n\n\n\n<p><strong><em>Total premium payable after adding SST tax (6%) and stamp duty charges<\/em><\/strong><\/p>\n\n\n\n<p>RM249.97 + RM15 (SST) + RM10 (duti setem) = <strong>RM274.97<\/strong><\/p>\n\n\n\n<p>For the insurance renewal in 2022, the total insurance premium to be paid by Ahmad is <strong>RM274.97<\/strong>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Compare_loading_charged_before_renewing_insurance\"><\/span>Compare loading charged before renewing insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Briefly, the higher the percentage loading charged, the more expensive the insurance premium to be paid.<\/p>\n\n\n\n<p>Therefore, we recommend you compare first the percentage loading across insurance providers. The comparison can help you get the cheapest offer in town. The lower the percentage loading, the lower the insurance premium you will have to pay.<\/p>\n\n\n\n<p>Please note that some insurer does not impose any charge. Hence, it is essential to do research first before purchasing your car&#8217;s insurance coverage.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><a href=\"https:\/\/www.nst.com.my\/lifestyle\/bots\/2020\/10\/634003\/compare-widest-range-car-insurance-zero-hassle-online-platform\"><strong><em>Bjak is one of Malaysia\u2019s largest car insurance comparison sites<\/em><\/strong><\/a><strong><em>. Get\u00a0<a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">free quotes<\/a>\u00a0at Bjak and\u00a0<a href=\"https:\/\/bjak.my\/blog\/how-to-renew-car-insurance\/#Renew_car_insurance_online_through_insurance_comparison_sites\">renew car insurance<\/a>\u00a0and\u00a0<a href=\"https:\/\/bjak.my\/blog\/how-to-renew-roadtax-bjak-myeg-mysikap-jpj\/#Renew_roadtax_online_at_Bjak\">road tax<\/a>\u00a0online in just 5 minutes.<\/em><\/strong><\/em><\/p>\n\n\n\n<p><strong>Also read:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-guide-in-malaysia\/\">Car Insurance Guide In Malaysia<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/important-car-insurance-terms-you-should-know\/\">Important Car Insurance Terms You Should Know<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Learn what &#8216;loading&#8217; means in a car insurance policy.<\/p>\n<p>What do they do and what is their role play in insurance? Read this article for more information.<\/p>\n","protected":false},"author":7,"featured_media":34409,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59,1885,1843],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>&quot;Loading&quot; in Car Insurance | BJAK<\/title>\n<meta name=\"description\" content=\"Learn what &#039;loading&#039; means in a car insurance policy.What do they do and what is their role play in insurance? 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