the non standard
You might think that buying a Comprehensive Cover for your car is good enough because it covers everything and anything under the roof for your car. That is not the case! Comprehensive cover only covers Fire, Theft, Third Party Liability and Own Damage. Read more from “What does my motor insurance covers” to get a better understanding. What if there’s a flood and my car is submerged? Not covered.. Are the passengers and driver covered? Not covered.. Is my car covered if it is driven to Thailand? Not covered.. Therefore there are these extensions, or rather endorsements with an additional premium available in the market for those who are in need. Some of these are
a) Legal Liability to Passengers
- 25% of third party premium + RM10 per additional passengers exceeding 5
- To cover the legal liability to passengers in the car
b) Legal Liability for Passenger Act of Negligence
- RM7.50 per vehicle
- To cover the legal liability of passengers by act of negligence, for example hitting down a motorcycle travelling by when a passenger opens the door without checking
c) Strike, Riot & Civil Commotion
- 0.3% of vehicle sum assured
- To cover for damages caused by Strike, Riot & Civil Commotion which is an exclusion under a standard comprehensive cover
d) Inclusion of Special Perils
- 0.5% of vehicle sum assured
- To cover for damages caused by flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence f sinking of the Soil/Earth or any other convulsion of nature involved which are exclusions under a standard comprehensive cover
e) Breakage of Glass in Windscreen, Window or Sunroof
- 15% of stated glass sum assured
- To cover for windscreen/windows/sunroof damages so it would not affect your NCD in the event of a glass breakage claim
f) Vehicle Accessories
- 15% of required accessories sum assured
- To cover for vehicle accessories like the CD Player so it would not affect your NCD in the event of a accessories claim
g) Additional Named drivers
- RM10 for each named drivers on top of the existing two named drivers given for free under the standard comprehensive cover
- RM50 for all drivers coverage
- This is to avoid the compulsory excess clause whereby In the event of an accident, an unnamed driver which causes the accident will invoke the compulsory excess of RM400.
a) Legal Liability to Passengers
- 25% of third party premium + RM10 per additional passengers exceeding 5
- To cover the legal liability to passengers in the car
b) Legal Liability for Passenger Act of Negligence
- RM7.50 per vehicle
- To cover the legal liability of passengers by act of negligence, for example hitting down a motorcycle travelling by when a passenger opens the door without checking
c) Strike, Riot & Civil Commotion
- 0.3% of vehicle sum assured
- To cover for damages caused by Strike, Riot & Civil Commotion which is an exclusion under a standard comprehensive cover
d) Inclusion of Special Perils
- 0.5% of vehicle sum assured
- To cover for damages caused by flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence f sinking of the Soil/Earth or any other convulsion of nature involved which are exclusions under a standard comprehensive cover
e) Breakage of Glass in Windscreen, Window or Sunroof
- 15% of stated glass sum assured
- To cover for windscreen/windows/sunroof damages so it would not affect your NCD in the event of a glass breakage claim
f) Vehicle Accessories
- 15% of required accessories sum assured
- To cover for vehicle accessories like the CD Player so it would not affect your NCD in the event of a accessories claim
g) Additional Named drivers
- RM10 for each named drivers on top of the existing two named drivers given for free under the standard comprehensive cover
- RM50 for all drivers coverage
- This is to avoid the compulsory excess clause whereby In the event of an accident, an unnamed driver which causes the accident will invoke the compulsory excess of RM400.