WINDSCREEN COVER
Windscreen cover insures you against damage on your windscreen. The benefit of having this plan is that when there is a claim against your broken windscreen, the insurance company will pay in for the repair/ replacement of your windscreen.
Another advantage is that you will not lose your NCD when you claim against this cover, which is a big deal as NCD represents a big saving for you especially in the long run.
NAMED DRIVER
A “Named Driver” is someone who can drive the insured car or motorcycle with the owner’s permission and be covered by the insurance with the same privileges as the owner. In Malaysia, you can put two drivers into your motor policy for free. Any additional driver will cost additional RM 10.
It is important to put in regular users of your motor vehicle in the insurance, because if an unnamed driver gets into an accident, insurance companies will pay out less on the claim. For example, when an accident happens with an unnamed driver behind the wheel, the insurance company reduces the pay-out by RM 300. Paying additional RM 10 for a named driver is small compared to that.
SPECIAL PERILS
This plan insures you against damages due to natural disasters such as flood, earthquakes, landslide, landslip, sinkhole etc. The additional cost for this cover is around 0.5% of your sum insured. This may vary according to insurers.
Fortunately for us, other than floods, Malaysia is not known to have many other natural disasters. Therefore most of us do not even consider to purchase this additional coverage for our vehicles. However, for people who live in flood-prone area, such as in the east coast of Malaysia, you might want to consider this plan if you have the extra money for the additional cost. And we do recommend this especially now with the erratic weather patterns.
LEGAL LIABILITY
There are two types of Legal Liability Cover for Car Insurance in Malaysia. Both policies are not mandatory in Malaysia, but when you plan to travel with your car into Singapore, it is mandatory to have those two covers in your motor policy. Also, if you are earning extra money as an UBER/GRAB driver, we highly recommend taking up this extra cover to protect yourself against your UBER/GRAB passengers.
(i) Legal Liability of Passenger or short LLOP. Imagine you are driving your car, suddenly one of your friends sitting in the car wound down his window and threw an empty glass bottle out. The bottle accidentally hit a motorist at the back causing him to lose control of his bike and hit a pavement, causing injury to himself and damaging his motorbike. Hopefully we don’t have reckless friends like this, but if this did happen, you could be sued for causing injury to others. Legal Liability of Passenger protects you from such legal liability, i.e. financial damages if there is such a legal action against you.
The additional premium for this cover is RM 7.50 per car.
(ii) Legal Liability to Passenger or short LLTP/LLNP. This cover will compensate you in the event that you (or your named drivers) are being sued by your passengers for negligence. For instance, if there has been an accident while you, or your named driver was driving, and this caused injury to your passenger(s). If they proved that the accident was due to your negligence, they could sue you. This plan will compensate you for the financial losses in such events.