请教关于公寓火险的收费问题

jackalcheng

我的公寓之前已经跟银行保险那边买了份火险。
但是，最近又收到来自公寓管理处发来的火险收费，又要另外给多一份火险。
请问各位，住公寓的我们需要还两份火险的吗？银行一份，管理处又一份。
管理处讲他们那份是保整栋公寓的，就算其中一个单位着火，我们也可以索赔。真的吗？
管理处讲我们买的银行那份，只是保我们各自的单位而已，就算邻居着火烧到来我的单位，也不能获陪。有这样的是吗？

mcghost

是的..
两个不同的保险..

jackchp

原帖由 mcghost 于 8-6-2009 12:28 PM 发表 是的.. 两个不同的保险..

如何说呢？？ 不是很明白

jackalcheng

这是我从insuranceinfo.com.my得到的讯息：
Under the Strata Title Act, it is mandatory for the MC of buildings such as apartments and condominiums to purchase fire insurance policy for the whole building. The individual unit holder is then required to pay to the MC, his/her respective premium portion. If the unit is purchased through a loan, the financiers would also normally require the borrower to obtain an insurance policy for the unit, leading to a situation of double insurance.

However, if you have attained the loan from a banking institution under BNM’s supervision, it has been agreed that borrowers will not be required to buy another insurance policy for their apartments or condominiums. Instead, the banking institutions will accept the insurance policy already purchased by the MC subject to certain terms and conditions. If your loan is not from a lending institution under the supervision of BNM, you can negotiate with the institution concerned.

mcghost

是这样的哦..
我还不懂... 谢谢你..