HOME RISKS Management

14/03/2026

💡 Sebagai broker insurans, kerja kami memang cari premium paling murah untuk client.

Kami boleh:

✔️ Bandingkan banyak syarikat insurans
✔️ Negotiate rate khas
✔️ Susun polisi supaya premium lebih rendah
✔️ Sediakan opsyen bayaran ansuran - orang kaya guna CC je lah.

Kadang-kadang beza premium boleh jadi ratusan hingga ribuan ringgit untuk kereta mewah.

🏎️ Pesanan kepada pemilik kereta mahal:

Kalau mampu beli kereta mahal tapi rasa premium insurans terlalu mahal, jangan sampai:

⚠️ Kereta kena tahan JPJ
⚠️ Kena saman

Mesej kami dulu.
Kami tahu cara turunkan premium secara legal.

Jabatan Pengangkutan Jalan (JPJ) Negeri Selangor telah bertindak menahan sebuah Lamborghini Aventador di Persiaran Ampuan Rahimah, Klang, semalam. Hasil pemeriksaan menerusi Ops Luxury itu, JPJ mendapati bahawa jentera prestasi terbabit memiliki Lesen Kenderaan Motor (LKM atau cukai jalan) yang tela...

01/03/2026

23/02/2026

Underwriting guildlines for AIG. Ridiculous. Used to be No 1 Insurer in Malaysia.

23/02/2026

Puasa in Islam is meant to be a test of discipline and empathy.. makan macam biasa, modest dinner (buka puasa) without spending more than what we usually spend on a regular day. Instead, we see Muslims spending hundreds on buffets and buying excessive amounts of food at Ramadan bazaars.
The true purpose of fasting is to feel and understand the hunger faced by poor who go hungry every day. Sadly, in Malaysia, Ramadan has slowly turned into a massive food festival. Tons of wasted food. That completely defeats the spirit of fasting.🥲

*Jadikan ibadah sebagai amalan harian, bukan bermusim hanya di bulan Ramadan.

22/02/2026

Kami menyediakan 7 jenis kaedah ansuran:
1. Pelan Ansuran Mudah (EPP) menggunakan Kad Kredit; VISA/MASTER
2. Atome (KAD DEBIT/KREDIT) - 3 sehingga 12 bulan
3. Grabpaylater - 1 sehingga 12 bulan
4. Spaylater - 1 sehingga 12 bulan
5. AhaPay - 4 sehingga 12 bulan
6- Direct Loan - 3 sehingga 12 bulan
7 - Koperasi - 3 bulan sahaja

16/02/2026

Happy Chinese New Year 🧧
Wishing all friends, clients, and partners a year of prosperity, growth, and continued success.
Gong Xi Fa Cai! 🐉✨

27/07/2025

🚗💸 Renew Insurans anda secara bijak! 💸🚗
Kini anda boleh tukar bayaran Insurans Tahunan kepada Bulanan dengan pilihan BNPL (Bayar Ansur Tanpa Kad Kredit)! 🎉
✅ Sesuai untuk semua jenis kenderaan
✅ Termasuk 1st Party, 3rd Party & 3rd Party Fire & Theft
✅ Pilih BNPL yang sesuai – dengan atau tanpa faedah
✅ Tiada caj tersembunyi, tiada tekanan!
✅ Proses mudah – pasang apps, verify akaun bank, terus renew
📲 WhatsApp kami di 011-1174 1006 (11 pagi – 11 malam)
🌐 Atau klik website untuk info & semakan:
👉 https://homerisks-first-third-mmip.netlify.app/
👉 https://homerisks.netlify.app/
Bijak urus bajet anda – bayar bulanan, tanpa beban! 😉

27/07/2025

🚗💸 Renew Your Insurance the Smart Way! 💸🚗

Tired of paying a lump sum for your vehicle insurance every year? Now you can convert your Yearly Insurance to Monthly payments — with 0% interest using our Buy Now, Pay Later (BNPL) option! 🎉

✅ Applicable for all types of vehicles
✅ Covers 1st Party, 3rd Party & 3rd Party Fire & Theft
✅ Choose your BNPL provider – with or without interest
✅ No hidden charges, no surprises
✅ Simple process – install app, verify bank account, and renew!

📲 WhatsApp us at 011-1174 1006 (11am – 11pm)
🌐 Or click below to learn more & check your quote:
👉 https://homerisks-first-third-mmip.netlify.app/
👉 https://homerisks.netlify.app/

Smarter budgeting starts here — renew now, pay monthly! 😉

📲 PM us now or click here to get started: 011-1174 1006

https://homerisks-first-third-mmip.netlify.app/
https://homerisks.netlify.app/

Why pay all at once, when you can spread it out with zero stress? 😉

14/07/2025

🤣 Roadtax mati? Insurans mahal? MMIP la jawapannya!
Tak payah pening, tak payah login, tak payah drama! 😎

🚗 Untuk kereta & motor lama
🔥 3rd Party Insurans terus masuk sistem MMIP
😱 High Risk? Takaful/Insurans reject? Kita settle!
🕒 Hantar je info, kami reply dengan sebut harga pantas!

Klik je sini:
👉 https://homerisks-thirdparty-mmip.netlify.app

💳 Boleh bayar guna Online Banking, Kad Kredit, ShopeePay, TNG, semua boleh!
💬 Lepas submit, kami WhatsApp terus — janji tak ghosting 😜

18/06/2025

🔥 Renew kat Pejabat Pos? Memang cepat… Tapi lepas tu pandai-pandai la urus sendiri bila accident! 😅

Nak buat tuntutan? Call la sendiri insurance company tu.
Lepas tekan 1, tekan 2, masuk IC, tekan 3, tekan 7... eh tetiba line mati.
"Operator kami sedang sibuk melayan pelanggan lain…" macam call Jabatan Kerajaan je 😂

Ingat ya, renew insurans ni bukan sekadar lekatkan pelekat kat cermin kereta.
Yang penting: SIAPA TOLONG MASA SUSAH!

💥 Accident?
🚨 Breakdown?
📞 Emergency?

Kalau guna ejen atau agensi, mereka bantu terus urus. Tak payah panik, tak payah tunggu line insurance company yang “berjuta panggilan setiap hari”.

Lagi satu, kalau agent sengaja letak undervalue (contoh kereta RM50K tapi diinsuranskan RM25K), sebab nak tunjukan harga murah, bila claim nanti, syarikat akan bayar separuh je.

📉 Kena "Average Clause", RM10,000 pun boleh kena tolak separuh!
Kalau jadi macam tu, YES, korang boleh SAMAN agent tu sebab mereka yang tick harga masa submit agreement / akad. 🚨

Bayar premium sama, tapi bezanya: ada PEACE OF MIND bila susah.
Bukan semua ejen sama, tapi ejen atau agensi yang bagus akan jadi penyelamat masa genting 🙌