Benefits of Honda Insurance Plus (HIP) package compared with other insurers

Malaysia Honda car owners have the option to renew their car insurance with authorized Honda dealer under Honda Insurance Plus (HIP) package , or to renew it themselves with general insurance company.

The price of HIP is generally higher than other insurers. In addition, most general insurance company will give a 10% discount if you renew your car insurance with them online, using their website without going through any insurance agent.

Anyhow, below are the benefits of HIP compared with other insurers:

Underwriting Terms:

No excess clause up to 10 years. The insurance policy covers 100% of the cost of any accident repair to your Honda car.

Other insurers may impose excess or even decline based on age of vehicle, vehicle model, age of insured and/or claims history.


Agreed Value:

100% sum insured up to 10 years. The sum insured is based on purchase price for 1st year, and subsequently based on recommended Insurance Service Malaysia (ISM) valuation price.

100% pay-out for theft or total loss.

Other insurers' agreed value might be unconditional based on market value.


Betterment Charges:

HIP betterment charges for old car repairs up to 10 years:

• 1st to 10th year = 0%

Other insurers betterment charges for old car repairs:

• 1st to 4th year = 0%
• 5th year = 15%
• 6th year = 20%
• 7th year = 25%
• 8th year = 30%
• 9th year = 35%
• 10th year and above = 40%

Body & Parts Replacements:

Honda genuine body and parts replacements with 6 months warranty or 10,000km service warranty.


Road Assistance:

Round-trip free towing service up to 450km. Free labour for roadside repair service up to RM200 per event.

HIP 24/7 emergency assistance contact: 1800-18-1177.

Free towing service and/or roadside repair service varies among other insurers. Some may not be available.


Claim Approval:

Speedy claim approval for value under RM20,000 for the vehicle repaired at Honda Authorized Body & Paint Centre.

Other insurers follow standard claim procedure which may take up longer time.


Other Services:

• One stop centre
• Road tax renewal
• NCD withdrawal
• Policy cancellation to transfer NCD
• Issue cover note for change of engine / chasis / vehicle number
• Assist in issue cover note for the extension of period of cover
• Advice on the insurance rules & regulations

Which the insured might need to carry out the tasks by themselves if insured with other insurers.


However, HIP policy excludes the following:

• Own death or bodily injury
• Liability against claim from your passengers
• Theft of non-factory fitted vehicle accessories unless otherwise declared
• Consequential losses, depreciation, wear & tear, mechanical or technical breakdown failures
• Loss/damage arising from an act of nature

Also, when your vehicle is driven by an unnamed driver or a person who is under the age of 21 or a holder of a Provisional/Probation Driving License, the compulsory excess of RM400 is applicable in the event of claim.

Laragon the free WAMP platform better than XAMPP, WampServer, etc.

The Windows-Apache-MySQL-PHP or Windows-Apache-MariaDB-PHP (WAMP) is a web application server platform running on Microsoft Windows operating system, derived from the Linux-Apache-MySQL-PHP (LAMP) platform.

In most cases, the LAMP platform is used for production server of web applications, while the WAMP platform is used as local development environment for web application programmers who work on Windows computer. Even so, the WAMP platform can also be used for production server.

XAMPP and WampServer are among the most popular WAMP environment that is free for use. There are many more options available in the market, both free and commercial, including the younger Laragon.

For Apple Mac OS users, there is also a MAMP platform available in both free and commercial Pro option.

I found Laragon to be better than XAMPP and WampServer, because it is very easy to install, very straightforward to use, very flexible to turn features and plugins on/off, very easy to setup new project, and it comes with a unique auto virtual host feature to give each project a nice URL to access from web browser. More importantly, it is lightweight and usually consume less than 4MB RAM when running, the servers are fast to start and be in up-and-running state. Its PHP execution is also pretty fast compared with other WAMP platforms.

The list of services to be started by Laragon can be easily selected in the preference page. You can also modify the default running TCP port at ease.

Laragon WAMP comes pre-installed with Apache, MySQL, Nginx, PHP, Node.js, Redis, Memcached, yarn + ngrok, git, HeidiSQL, Notepad++, etc.

HeidiSQL Portable is its default database tool to access and administer the MySQL. The popular phpMyAdmin can also be automatically downloaded included with a simple mouse click.

Additional services such as MongoDB, PostgreSQL, Python, etc. can be easily installed and added with a single mouse click from the Tools > Quick Add menu.

PHP extensions can be easily switched on/off in the PHP > Extensions menu.

To start new project with popular content management system or PHP framework such as WordPress, Drupal, Laravel, Symfony, etc. is also a breeze. With a single mouse click in the Quick App menu, the framework will be automatically downloaded and installed by Laragon.

Even if you choose to start with blank project, an empty database schema is automatically created for you in MySQL.

Laragon supports multiple versions of Apache, MySQL and/or PHP, which you can select which version to run for your project. Editing their INI configuration file can also be easily done in Laragon.

You can click here to download and install Laragon into your Windows computer.

Auspicious dates for baby first haircut (Mundan) in 2019

In many culture, religion and/or tradition, the first haircut of a baby is considered an important milestone for his/her life. The day is known as Mundan, Chadakarana, Halaqah, Upsherin, etc.

Here is the list of auspicious dates for baby first haircut in year 2019, which is produced based on the Chinese almanac Tong Shu. (Click the image to enlarge)

Bear in mind that although the Tong Shu is a compilation of Chinese astrology and calendaring studies gathering wisdom of thousands of years, we should use it wisely and rationally, but not be too superstitious on it.