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Januari 16, 2025SEMBANG SANTAI TAKAFUL: Letupan Gas : Perlindungan Takaful Kenderaan – “ATL” atau “BER”
April 27, 2025What to do when your car is declared ATL or BER in Malaysia
Rujuk pada panduan berguna ini, yang bermanfaat untuk para pemandu di Malaysia dalam memahami tentang hak-hak mereka, proses tuntutan, dan tip-tip menangani situasi takaful/insurans.
Owning a car comes with its share of ups and downs, but nothing quite prepares you for the moment when your beloved ride is declared a total loss. Total loss occurs when repair costs exceed the vehicle’s actual cash value (ACV).
There are two types of total loss vehicles—Actual Total Loss (ATL) dan Beyond Economic Repair (BER). If the repair costs exceed the vehicle’s ACV determined by its age, condition, and current market or agreed value, insurers or takaful operators (ITOs) may declare it a total loss under BER.
What do they really mean? More importantly, how do they affect your motor insurance/takaful claim? Let’s break it down!
Punca biasa ATL termasuk:
ATL happens when your vehicle is so badly damaged that the structural integrity is compromised and not roadworthy or unfi t to be driven. ITOs typically classify a car as ATL if :
Examples of ATL:
- Your car is completely wrecked in a major accident.
- Your car is stolen and recovered, but it s been stripped down or severely vandalised.
- Your car is submerged in a flood and the damage is extensive.
What is Beyond Economic Repair (BER)?
Example:
Examples of BER:
- Your car suffers severe damage in an accident.
- The cost of parts and labour to fix your car is prohibitively expensive, even though it s technically
repairable.
Different insurers or takaful operators have different thresholds, so always check your policy/certificate.
Panduan pertama #Ot-to
Insuring a BER vehicle is subject to the insurers’ or takaful operators’ underwriting requirements.
Be sure to understand coverage required, read the policy/certificate document and compare options to find the best fit.
How do ITOs determine ATL or BER?
Kos pembaikan – ITOs will get assessments from workshops to determine how much it would cost to fix your vehicle
Market value – If fixing your car costs more than what it’s worth, insurers or takaful operators will likely declare it BER.
Agreed value – If you have an agreed value in the policy/certificate, the ITO will compensate you based on a pre-agreed amount, rather than market depreciation.
Susut nilai – Cars lose value over time, so insurers will take this into account.
Chassis and structural damage – Even if repair costs are low, a compromised chassis = ATL.
Panduan ke-2 #Ot-to
Vehicles declared BER by ITOs are assessed and repaired appropriately, with all necessary documentation including the roadworthiness certification by a credible vehicle inspection provider before the vehicles are permitted on the road.
What to do if your vehicle is declared ATL or BER?
If your car is written off, don’t panic—follow these steps:
Communicate with insurers or takaful operators (ITOs) – Your ITO will guide you on what to do next.
Prepare documentation – You’ll need your police report, adjuster’s report, vehicle grant, and insurance policy/takaful certificate
Settlement and payout – Depending on your policy/certificate, your ITOs will compensate you based on the market or agreed value.
Hand over the vehicle – ITOs usually take possession of an ATL vehicle, which will be deregistered and scrapped.
Check if you need to pay the bank – If you have an outstanding car loan, ITOs will make a settlement to the bank first. The balance, if any, will be paid to you.
Panduan ke-3 #Ot-to
If your vehicle is declared ATL or BER, your No Claim Discount (NCD) resets to 0%, meaning your next premium/contribution will be higher.
Note: For more details on claims for ATL and BER vehicles, you may refer to Bank Negara Malaysia’s (BNM) document on Claims Settlement Practices, on page 53 and 54.
Panduan ke-4 #Ot-to
Types of compensation
- Agreed value: Insurer or takaful operator will compensate you as agreed on the motor policy/certificate.
- Market value: Compensation is based on the car’s market value at the time of the accident, not the time of insurance renewal.
How to be better prepared for ATL or BER situations:
Ensure adequate coverage – Make sure you have sufficient insurance/takaful coverage. Consider getting Agreed Value coverage if you want more certainty about the payout in case of a total loss.
Drive safe – Avoid risky driving behaviours to minimise the chance of severe accidents.
Contact your insurers or takaful operators promptly – The sooner you report, the faster your claim can be processed.
Review your policy/certificate – Take the time to read and understand your insurance policy. This will help you know what's covered and what's not.
Be cautious when buying second hand cars – Make sure to make informed decisions. Should you decide to buy a repaired BER vehicle, please request for the roadworthiness certificate issued by PUSPAKOM or any other authorised Vehicle Inspection Provider (VIP).
Ot-to Guide 5
Bank Negara Malaysia (BNM) has been pushing for clearer claims settlement practices, ensuring that insurers or takaful operators are fair and transparent in their dealings with policyholders/certificate holders. This includes how they handle ATL and BER cases.
Artikel ini adalah sebahagian daripada kempen ‘Jom, Level Up’ di bawah Liberalisasi Secara Berperingkat 2.0, Program Pendidikan Pengguna (CEP), oleh Persatuan Insurans Am Malaysia (PIAM) dan Malaysian Takaful Association (MTA).
Penafian: Maklumat-maklumat yang diberikan adalah untuk pengetahuan umum sahaja. PIAM dan MTA tidak membuat sebarang perwakilan atau jaminan berkenaan maklumat-maklumat ini, termasuk dan tidak terhad pada apa-apa perwakilan atau jaminan berkenaan dengan kesesuaian bagi tujuan tertentu bagi maklumat tersebut sejauh mana yang dibenarkan dari sisi undang-undang-undang. Meskipun usaha-usaha sudah dilaksanakan untuk memastikan maklumat yang diletakkan dalam artikel ini adalah tepat, boleh dipercayai dan lengkap ketika tempoh penulisan, maklumat yang diberikan dalam artikel ini tidak sepatutnya diberi kebergantungan untuk membuat sebarang keputusan berkaitan kewangan, pelaburan, hartanah atau undang-undang. Tambahan lagi, maklumat ini tidak sepatutnya menggantikan nasihat daripada individu professional terlatih yang boleh mempertimbangkan fakta dan situasi peribadi anda, dan kami tidak menanggung sebarang liabiliti jika anda menggunakan maklumat ini untuk membuat sebarang keputusan.