{"id":9995,"date":"2026-04-29T15:14:37","date_gmt":"2026-04-29T07:14:37","guid":{"rendered":"https:\/\/www.fmos.org.my\/?p=9995"},"modified":"2026-04-29T15:14:39","modified_gmt":"2026-04-29T07:14:39","slug":"takaful-claim-denied-due-to-unauthorised-rental","status":"publish","type":"post","link":"https:\/\/www.fmos.org.my\/bm\/takaful-claim-denied-due-to-unauthorised-rental\/","title":{"rendered":"Tuntutan Takaful Ditolak kerana Penyewaan Tanpa Kebenaran"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Pengendali takaful menolak tuntutan kerosakan sendiri Bernard atas alasan bahawa kenderaan yang dilindungi telah digunakan untuk tujuan sewa atau tambang, dimana telah melanggar Had Penggunaan polisi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>PENEMUAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bernard telah membeli Polisi Kereta Persendirian untuk kegunaan persendirian dengan perlindungan komprehensif. Perakuan Takaful menetapkan terma dan syarat berikut:<\/p>\n\n\n\n<ol start=\"17\" class=\"wp-block-list\">\n<li>Had Penggunaan<br>Berdasarkan Perakuan Takaful Anda (CT), Kenderaan Anda hanya boleh digunakan untuk tujuan \"sosial, domestik dan bersukaria dan termasuk tujuan perniagaan peserta\". CT juga menyatakan bahawa<strong><em>Perakuan ini tidak melindungi penggunaan sewa atau tambang<\/em><\/strong>, perlumbaan jalan raya, pacemaking, keandalan,\n atau ujian kelajuan cubaan, membawa barang yang berkaitan dengan sebarang urus niaga atau perniagaan selain sampel barang\u201d.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Bernard menyatakan bahawa pemandu yang meminjam keretanya merupakan kawan rapatnya sendiri, Andy, untuk perjalanan keluarga dengan kebenarannya tanpa sebarang bayaran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Walau bagaimanapun, siasatan pengendali takaful mendapati satu iklan di Facebook yang memaparkan kenderaan yang sama ditawarkan untuk disewa di bawah \u2018XXX Car Rental Enterprise.\u2019 Bernard mengakui bahawa beliau menjalankan perniagaan sewaan kereta, memiliki XXX Car Rental Enterprise, dan pernah menggunakan kenderaan tersebut untuk tujuan sewaan sebelum ini.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KEPUTUSAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pengurus kes mengekalkan keputusan pengendali takaful. Bukti menunjukkan bahawa kenderaan yang diinsuranskan berkemungkinan besar telah digunakan untuk tujuan sewa atau tambang, dimana melanggar peraturan syarat had penggunaan polisi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Walaupun tiada bukti bahawa kenderaan tersebut disewa pada masa kemalangan itu berlaku, penggunaan keseluruhannya tetap relevan, kerana penggunaannya mempengaruhi klasifikasi dan penentuan premium. Memandangkan polisi secara jelas melarang penggunaan sewa atau tambang, bukti kumulatif menunjukkan ketidakpatuhan terhadap terma-termanya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Oleh itu, keputusan pengendali takaful untuk membatalkan dan menjadikan perakuan tidak sah adalah wajar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>The takaful operator rejected Bernard\u2019s own damage claim on the grounds that the covered vehicle was used for hire or reward, which constitutes a breach of the Limitations as to Use of the policy. FINDINGS Bernard purchased a Private Car Policy for Private Use with comprehensive cover. The Certificate of Takaful stipulates the following terms [&hellip;]<\/p>","protected":false},"author":4,"featured_media":9998,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,27],"tags":[],"class_list":["post-9995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-studies","category-insurance-takaful"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Takaful Claim Denied due to Unauthorised Rental - FMOS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fmos.org.my\/bm\/takaful-claim-denied-due-to-unauthorised-rental\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Takaful Claim Denied due to Unauthorised Rental - FMOS\" \/>\n<meta property=\"og:description\" content=\"The takaful operator rejected Bernard\u2019s own damage claim on the grounds that the covered vehicle was used for hire or reward, which constitutes a breach of the Limitations as to Use of the policy. 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