How Can a Clean Claims History Save You Money on Car Insurance? 

If you’re driving through life without a dent in your claims history, you might be sitting on a goldmine of savings when it comes to your car insurance.  A spotless claims record isn’t just a matter of luck—it could be your ticket to lower premiums and better coverage. While avoiding claims may seem like a small effort, the long-term rewards are definitely worth it. 

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Let’s dive into how keeping that clean slate can lead to lower premiums and why it’s more beneficial than you might think —and how GoInsuran’s GOCARE Series is here to make that journey even smoother! 

The Four Benefits of Driving Claim-Free  

    1. Lower Premiums

    The most enticing perk of being a claim-free driver is the potential for lower premiums. Insurance companies often reward those who haven’t made claims with discounts, known as No Claims Discounts (NCD). This means that the longer you go without filing a claim, the more you can save on your insurance costs. As the claim ratio for motor insurance has surged from 55.6% in 2021 to 66.7% in 2023, drivers with a clean claim’s history are not only rewarded with lower premiums but also shielded from the broader market trends that drive costs upward. Who doesn’t love saving money?  

    2. Express Claim Approval

      If you do happen to have a minor mishap, GoInsuran has your back! With our GOCARE Series Express Claim Approval, damage claims under RM10,000 are processed quickly and efficiently. This means less waiting and more time getting back on the road. Staying claim-free helps keep premiums low, but when life happens, we’re here to get you back on track without the stress! 

      3. Hassle-Free Claim Process

        We know that dealing with claims can feel like navigating a maze, but with GoInsuran ‘s Hassle-Free Claim Process, we believe that filing a claim should be as easy as pie. Our team is here to assist you every step of the way, from submission to approval, making sure the entire experience is as smooth as possible. We’ve got your back, so you can focus on getting back on the road with peace of mind.  

        4. Genuine Parts & Paintwork Warranty

        At GoInsuran, we care about your car as much as you do, and we understand how important it is to keep your vehicle in tip-top shape. That’s why our GOCARE Series includes benefit of warranty on new genuine parts replacement for 5,000 km or 90 days, whichever comes first, and paintwork comes with a 12-month warranty. So, if you do need to make a claim, rest assured that your car will be restored with quality materials, keeping it in great condition for the long haul 

        Why Should You Stay Claim-Free? 

        Staying claim-free isn’t just about saving money; it’s about peace of mind too! In 2023, Malaysia experienced a 9.7% increase in traffic accidents, totalling 598,635 cases, up from 545,588 in 2022. This surge led to a rise in motor insurance claims, with average daily claims reaching RM15.1 million in 2023, compared to RM13.0 million in 2022. But here’s the good news: keeping your claims history spotless means lower premiums and more savings. So, why not drive safely, save big, and keep your insurance costs from going up? Here’s why maintaining a clean claims history is beneficial: 

        • Better Coverage Options: A clean claims history can open doors to better coverage options and lower deductibles. Insurers see you as a lower risk, which can lead to more favourable policy terms and enhanced protection for your car. 
        • Increased Value of Your Policy: The longer you stay claim-free, the more valuable your policy becomes! With a spotless history, insurers are more likely to offer exclusive benefits, discounts, and reward to recognize your safe driving.  
        • Less Stress During Claims: Life happen, and accident may occur but with a clean driving record, your claim process smoother and quicker. Insurers tend to prioritize claims from responsible drivers, so when you need help, you’ll get it fast and hassle-free. Don’t Forget About Our Special Discount! 

        Now that you’re on board with the benefits of being claim-free, let’s talk savings! Use promo code GOINSURAN at checkout to enjoy up to RM150* off your car insurance renewal. *This offer is subject to the premiums and sum insured of your car insurance, so don’t miss out! 

        We get it — renewing your motor takaful and road tax can feel like a big expense. That’s where Go Ansuran Mudah comes in. With our instalment plan, you can spread the cost over up to 12 months, making it easier to manage your budget without compromising your coverage. This instalment plan is only allowed to be used for Motor Takaful only, Kindly note that processing may take a minimum of 3 days, and our CX team will manually issue the cover note. Thank you

        Need even more flexibility? No worries! Check out our Buy Now, Pay Later (BNPL) options with Atome, GrabPay, and MobyPay. Both BNPL and our Easy Payment Plan (EPP) come with 0% interest-free instalments—perfect for those who want to spread out their payments without added costs**  

        **BNPL is only available for car insurance renewals, and the promo code does not apply for BNPL payments. 

        Wrapping It Up 

        In conclusion, maintaining a clean claims history doesn’t just save your money but also it brings peace of mind and levels up your insurance journey. With GoInsuran by your side, navigating car insurance has never been easier. Whether you’re renewing online or exploring new policies, every claim-free year takes you one step closer to better rates and benefits! 

        So, buckle up, drive safely and let your wallet will thank you later!