Alice Ling Beyond Insurance

Alice Ling Beyond Insurance Building Wealth • Knowledge • People

规划本就是见招拆招的艺术。
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You don’t own an EV?Your neighbour might.And that’s all it takes.A fire doesn’t always start at your front door.Sometime...
25/08/2026

You don’t own an EV?
Your neighbour might.
And that’s all it takes.

A fire doesn’t always start at your front door.

Sometimes, the risk comes from next door.

And when it does, the question isn’t really “Who started the fire?”

It’s:
“What happens to my home if it reaches me?”

Something worth thinking about.

EV fire. So… will insurance cover the damage?After the recent Cheras EV fire, this is a question worth asking even if yo...
23/08/2026

EV fire. So… will insurance cover the damage?

After the recent Cheras EV fire, this is a question worth asking even if you don’t own an EV.

According to PIAM, standard Houseowner and Fire insurance policies cover specified fire damage regardless of the ignition source, subject to the policy terms, conditions and exclusions.

But there are a few things homeowners should pay attention to:

1. Is your home adequately insured?
Your Sum Insured should reflect the current cost of rebuilding your home, not simply its market value.

2. Have you informed your insurer about permanent home improvements?
For example, a permanently installed EV charger may be considered a fixture or fitting.

3. Is your electrical installation properly done?
Professional installation and compliance with safety requirements matter.

4. What about damage to your neighbour’s property?
If a fire spreads to an adjacent home, liability can become another concern. PIAM notes that homeowners should review their public liability protection.

And here's the part I really want homeowners to think about:

You don't need to own an EV to face a house fire.

Electrical faults.
Kitchen accidents.
Lightning.
Neighbouring fires.
And many other unexpected events.

So don't just ask:

“Do I have home insurance?”

Ask:

“Is my home adequately protected?”

Your home is too valuable to leave the answer to chance.

Source: Persatuan Insurans Am Malaysia (PIAM), 19 August 2026.

One EV charging incident.One home completely destroyed.Butfire doesn’t only happen to EV owners.Are you financially prep...
22/08/2026

One EV charging incident.
One home completely destroyed.

But
fire doesn’t only happen to EV owners.

Are you financially prepared if it happens to your home?

---

一次电动车充电事故，
一间房子彻底烧毁。

但
火灾，并不只会发生在电动车车主家里。

如果发生在你家，
你有准备吗？

#电动车充电 #居家火灾 #房屋保障 #风险管理

1800 22 5542Allianz Road Rangers
17/07/2026

1800 22 5542
Allianz Road Rangers

端午安康✨
19/06/2026

端午安康✨

25/05/2026

Looking at how the Ministry handled today's JPJ online transaction issue, it really got me thinking about leadership in our own insurance business.

When things went sideways, they didn’t get stuck trying to look perfect. They saw the chaos on the ground, reacted fast, and did a quick course-correct.

Some people might call that a 'U-turn.' But honestly? If a U-turn stops a massive traffic jam and gets everyone home safely, isn't it the right call?

In our agency, it’s the exact same thing. True progress isn’t about having a perfect, flawless plan from day one.

It’s about being brave enough to try new digital tools, new sales strategies, or new ways of prospecting, and then being agile enough to pivot the moment reality throws us a curveball.

If a strategy isn't working for your clients or your business, don't double down just to save face. Fast reaction time beats stubborn perfection every single time.

Fail fast, learn faster, and keep moving.

21/05/2026

If you’re looking for a sign to protect your future, THIS IS IT! 👇😂

​Betul-betul depan mata. Big or small, every journey needs a solid safety net.

​Apa-apa pun cerita, Sign up dulu! 🌟

​

⁉️Why you still pay... even with "Full" Insurance.Ever wonder why you get a bill for RM2,400 after your car is repaired?...
02/05/2026

⁉️Why you still pay... even with "Full" Insurance.

Ever wonder why you get a bill for RM2,400 after your car is repaired? 😱

It’s called Betterment.

If your car is 5 years or older, insurance companies replace your old damaged parts with brand-new ones. Because your car is now in a "better" condition than before, you are required to pay the difference.

The older the car, the higher the gap:
5 years old: You pay 20%
7 years old: You pay 30%
9+ years old: You pay 40%

The Solution?
Add "Waiver of Betterment" to your policy. For a small amount now, you pay RM0 for new parts later. 🛡️

Stop paying for "surprises." Let’s check your policy today to see if you’re protected. 🩺💼

Is your coverage complete? Let’s find out:
📥 DM me "CHECK" or
📲 WhatsApp me here: 012-7762288

Send me a photo of your current policy schedule for a 5-minute "gap analysis." Better safe than RM2,400 sorry! 🛡️

“Agent啊，500万保额这么多，怎么可能用得完？” ​确实，如果你是年长者（60岁），规划接下来的 10-20 年，100万保障目前看来挺够用了。​但是，如果你现在才 30 或 40 岁呢？ 或者是你那人生还有 80 年要走的孩子呢？那...
20/04/2026

“Agent啊，500万保额这么多，怎么可能用得完？”

​确实，如果你是年长者（60岁），规划接下来的 10-20 年，100万保障目前看来挺够用了。

​但是，如果你现在才 30 或 40 岁呢？
或者是你那人生还有 80 年要走的孩子呢？
那时的手术费和医疗费会翻多少倍？

​现在的“天文数字”，在几十年后的医疗通货膨胀面前，可能只是“刚刚好”。我们不是在赌会不会用到 500万，而是在买一个“不管未来医疗多贵，都有权利选好医生”的底气。

​买医药卡其实就看这两点：
​1. 选哪里治疗？
2. 谁买单？
​买或不买，没有对错，只有个人的风险选择。

​总结一句：
​最好的保单，是你永远用不到它（身体健康）。
但最稳的后盾，是当关键时刻发生时，你的额度是“永远够用”，而不是“差一点才够”。
​趁还健康，把这个“后盾”建好。因为医药卡，只有在不需要的时候才买得到。📝
​
⌛倒数计时！有兴趣了解的朋友，请联系我安排。
012-776 2288

https://www.facebook.com/share/18KrwC8YQm/

Address

Lot 1287, Jalan Mersing
Kluang
86000

Opening Hours

Monday 09:00 - 18:00
Tuesday 09:00 - 18:00
Wednesday 09:00 - 18:00
Thursday 09:00 - 18:00
Friday 09:00 - 18:00
Saturday 09:00 - 18:00

Telephone

+60127762288

Website

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