Insurance 101

Car Insurance Additional Benefits – Why Are They Important?

There's no such thing as one-size-fits-all even for car insurance. Learn how you can customize it with additional benefits.

Cracked car windscreen

Accidents can happen to the most experienced driver unexpectedly – whether a small fender bender or a major crash. This is where car insurance becomes essential in saving you from these unfortunate situations.

According to the Road Transport Act 1987, it is compulsory for all car owners in Malaysia to have a valid car insurance and road tax to provide protection for you and your vehicle against unforeseen risks.

However, there is no such thing as a “full coverage”, or a one-size-fits-all package when it comes to car insurance package.

A few things you should consider when purchasing a car insurance is to what extend you need to protect you and your vehicle, because what you need maybe different from other driver. Like ordering your favourite nasi lemak, where you may prefer an additional topping of chicken rendang or sambal sotong!

Likewise, add-on coverage offers extra protection in addition to own damage and third-party liability insurance that a standard car insurance policy usually offers. These extra coverages include (list is not exhaustive):

  • Death or bodily injury due to car accident
  • Liability against claims for passengers and other drivers of your vehicle
  • Loss or damage to your vehicle due to acts of nature like flood, landslide, storms and damaged caused by fallen trees.

Each additional coverage has the potential to save you a huge sum of money, which you may need to pay out of your own pockets when you make a claim.

These are the top 5 most popular add-on coverages bought by AXA Car Insurance Online customers:

1. All Drivers

All Drivers is the most popular add-on for our online customers as it provides a blanket waiver on the compulsory excess you are required to pay if you make a claim without the need to declare every individual driver (aged 21 and above with full driver’s license) of your vehicle. And the best part is it will only cost you RM20 to add on to your insurance policy.

2. Windscreen Cover

Believe it or not, most drivers would put windscreen coverage at the very back of their mind because what are the odds of getting their windscreen cracked when they drive, right? Well, windscreen damages are not only caused by road debris. It can also be caused by extreme heat when you park your car under direct sunlight for a long period of time, damage caused by a fallen object and many more.

Of course, you can still claim the cost of repairing or replacing your windscreen, but without a windscreen cover, your No Claim Discount (NCD) level will be affected. Hence, it would be wise to include it as an additional coverage to maintain your NCD level if you met with an accident.

A white Honda Jazz driving slowly through a flooded road.

3. Special Perils Cover

Special perils cover refers to protection against car damages due to flood, landslide, storm, and other convulsions of nature which are not included in a basic car insurance coverage.

Besides the full special perils cover offered as add-on, AXA also offers customers a limited cover for special perils (pay up to 25% of the sum insured of your car). The standard special perils cover would pay you the full sum insured of your car should it be damaged by the events mentioned earlier.

4. Driver Passenger PA (DPPA)

The Driver Passenger PA is a cover that provides personal accident and medical reimbursement to you, your passenger and authorized driver in the event of road accident. But the benefits don’t just stop there.

With DPPA coverage, you will get unlimited mileage emergency towing, additional cash payout up to 20% of sum insured in the event of total loss, protection against snatch theft and ATM withdrawal protection, as well as car replacement allowance if you need to rent another vehicle while your car is being repaired.

5. Legal Liabilities of Passengers

Legal Liabilities of Passengers covers you against acts of negligence by your passenger(s) that cause loss or damage to a third party.

When you include this additional benefit in your car insurance policy, AXA will pay for the damages or losses due to your passenger’s negligence to the third party who made a claim.

Other Add-Ons that you may want to consider for a more comprehensive protection include:

  • Additional Named Driver
  • Waiver of Betterment
  • NCD Relief
  • Rooftop/Canopy for pickup trucks
  • In-Car Entertainment
  • Extension to Thailand

Remember, there is no such thing as a “full coverage” car insurance. Make sure to customize your car insurance policy to better protect you and your vehicle. Now that you know more about car insurance and its additional coverage, choose your coverage wisely. Be a safer and wiser driver!

While you're on this page, get a free online car insurance quote for your vehicle today.

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