Decoding Galvin


Detariffication in Malaysian Motor Insurance

When liberalisation of car insurance tariffs in Malaysia can help you save more and get better coverage.


The Motor Insurance sector in Malaysia will be shaken up quite a bit in the next few months as Bank Negara Malaysia (BNM) recently confirmed that in its Financial Stability and Payment Systems Report 2015 (released back in March 2016) that motor and fire insurance premiums will soon be based on a list of risk factors and not regulated by current pricing policy

The transition will happen gradually and the first phase just kicked off this month, 1 July 2016. So the insurance industry is allowed offer new products with optional add-on covers and the prices will not be regulated. It will also be determined by the market and will allow insurance providers to ‘open price’ to these products as they see fit.

BNM Diagram 1

In simple words, your premium rates for car insurance will be based on what car you’re driving and your driving experience. If you just got your driving license and you’re driving a BMW, you could have to pay higher premium than the slow-driving Uncle who drives the same model vehicle. So premium prices may vary across different insurance providers.

BNM Diagram 2

This is indeed good news to consumers and car owners. It’s also a good opportunity for insurance providers to push out new products that may benefit certain car owners. In short, it’s a win-win situation for all.

Now the only problem we could be facing as a car owner is the vast option that we will get from all these insurance providers. So how can we get the best and know how to getcover on all these choices?  We’ll find out soon enough I guess.

850 by webe Contest – More Prizes To Be Won

May 18, 2016 by Galvin Tan in Featured, Technology with 0 Comments

Sick and tired of seeing too many #Webe850 QR code in your Facebook Timeline? Think you’ve seen enough of Webe? Well, think again.

There's more

Because Webe is not stopping with the A-maze-ing Maze and the QR code frenzy. To extend the customer engagement campaign, Webe will be extending their activation campaign on Webe850 app starting from today.

In fact, there will be a few more activation from Webe until the month of June. So don’t slack if you want to win those attractive prizes from Webe.



Here are the next and upcoming activation campaign from Webe:

Challenge 1 : The Amazing Maze

Activation Period 1: 11/05/16 – 16/05/16

At the venue, the Contestant is required to (i) answer 1 quiz and (ii) use the webe 850 app to scan for the correct QR code to stand a chance to enter the maze.

If Contestant fails (i) and (ii), Contestant is not allowed to enter into the maze.

If the Contestant succeed in (i) and (ii), the Contestant will then be allowed to enter the maze. There will be many random QR codes being displayed in the maze. Contestant is required to scan as many QR Codes as possible to stand a chance to collect as many scores as possible and stand a chance to win the Challenge 1 Prizes.

Challenge 1: inside the maze: limited to 500 Contestants per day.

Challenge 2: Lifestyle Treats

Activation Period 2: 18/05/16 – 27/05/16

During Activation Period 2, hints will be given on the merchant store in the webe 850 app. Contestant is required to hunt for the correct merchant to scan the QR code at the said merchant store.

Challenge 2 Prizes is limited to 400 daily winners only at each merchant store on a first come first serve basis.

Challenge 3: Looping QR Hunt

Activation Period 3: 25/05/16 – 31/05/16

During Activation Period 3, we will inform you of the venue and relevant information in the webe 850 app.

Contestant is required to go to the venue to look for the randomised running QR code on digital screens and also on webe’s digital kiosk which may be available at the venue. Contestant must use the webe 850 app to scan the QR codes to stand a chance to win scores and Challenge 3 Prizes.

Challenge 4: TGV Activation

Activation Period 4: 18/06/16 (1 day only)

During Activation Period 4, Contestant is required to go to the 5 selected TGV cinemas. You will find the information in webe 850 mobile app.

Contestant is required to go to the correct TGV Cinema to scan the static QR code to stand a chance to win Challenge 3 Prize, which is, a ticket to watch a movie we selected on that day itself.

Challenge 4 Prize is limited to 10,445 Contestants only on a first come to first serve basis.

Lucky Draw

There will be three lucky draws during the Contest Period. During the Contest Period, Contestant should try to play “Today’s Quiz” appearing in the webe 850 app every day to stand a chance to enter the lucky draws to win Lucky Draw Prizes. 1 quiz per day only.

Scores collected during the Contest Period and will be accumulated. The highest scores will win Grand Prizes

Just In Case

If you’re new to  this #webe850 frenzy and wanted to know more, head on over to their website here and download the 850 by Webe app.

Once you’ve installed your #webe850 app, don’t forget to scan more QR code :)


Webe QR Maze and Webe850 App

May 12, 2016 by Galvin Tan in Featured, Technology with 17 Comments

So if you’ve been wondering what’s with all the #Webe850 QR Code flooding your social media timeline lately, well that’s because the latest telco in town, Webe (previously P1) is having a massive digital treasure hunt.

webe850 #webe850 webe 850 by webe QR code

Using the Webe850 iOs and Android App, user can play answer trivias, play games and scan webe QR codes to collect points. Top 100 users will win prizes with the latest Samsung Galaxy Edge 7 for the taking. However, the Grand Prize to Belize for 4 person is so much more interesting.

Webe also kicked start their first customer engagement campaign with a ‘digitally empowered’ maze in Sunway Pyramid.

webe_02 webe_03 webe_04

The maze is currently based at the Blue Concourse and it is open to the public from 11 May to 16 May 2016. It’s designed to engage the general public using their Webe 850 app that allows customers to pick up bonuses for every QR code they find and scan within the maze.

Webe promised a total RM6 million worth of prizes up for grabs on the Webe850 campaign. To find out more, head over to their microsite and facebook page.

Oh yah, here’s my code. Let’s scan and collect 500 points.

webe850 #webe850 webe 850 by webe QR code

Images source: Sunway Pyramid FB

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