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Do you own a family car? Find out the add-ons needed in your family car insurance policy to protect your family from unforeseen incidents.
A family car is usually defined as a car or vehicle that is used to carry multiple passengers and is also used to drop kids off to school, send them to sports sessions, run errands, ‘balik kampung’ or even go on a family road trip.
Although in general there is no car insurance coverage in Malaysia that covers specifically for a family car, there are ways for you to ensure that your family members, whether they are passengers or co-drivers, receive the best protection possible from unforeseen incidents.
The benefit you will get is exactly as it sounds! By adding the All-Driver coverage in Generali car insurance policy for a flat rate of RM20 per year, you can protect your car’s authorized drivers, such as your spouse, children, and parents when they take your car out for a drive. This extension or add-on allows waiver of RM400 compulsory excess if a claim is made by unnamed drivers of your vehicle. That means, you do not have to pay an extra RM400 if a claim is submitted by anyone who drives your car.
Driver & Passengers Protection provides personal accident and medical reimbursement benefits to you, your passengers, and authorized drivers in the event of a road accident and more. The benefits of the DPPA coverage includes lump sum payout for death or disablement, reimbursement of medical expenses, free and unlimited towing, car replacement allowance and more. With premium starting from RM90 per year for a 5-seater vehicle or RM95 for a 6-seater vehicle, it is one of the best car insurance add-ons you can have to show how much you love your family!
With the flood incident that happened in Klang Valley and Selangor in December 2021, special perils additional coverage is becoming more and more important when insuring your car. Top up an additional premium up to 0.20% of your car’s sum insured and you will at least have some form of financial protection to fall back on if your vehicle is damaged by flood, landslide, storms, and other forms of convulsions of nature. We have a list of benefits on Generali car insurance special perils coverage for you to add on when you renew your car insurance.
Example:
RM100,000 car sum insured x 0.20% = RM200 (special perils premium)
Post-repair after an accident is one of the things that could turn into a headache for most car owners. They mostly worry about the cost of repair and parts replacement. This is where Waiver of Betterment comes in, especially for cars above 5 years old. This add-on benefit, that starts from RM110, covers the additional cost for replacing damaged parts with brand new original parts, so you do not have to worry about your car’s performance after repair.
Another add-on benefit to consider for a family car is windscreen breakage coverage which covers your car’s windows and sunroof. This benefit is important because the repair cost for these parts could burn a whole in your pocket. With only a few hundred ringgits extra premium, you could save thousands of ringgits when you need to replace a windscreen without affecting your NCD!
The best car insurance add-ons you could have for a family car is the SmartDrive Safe with Bravo Tag! Check out what our satisfied customers think about SmartDrive Safe and how the Bravo Tag has changed their driving behaviors and provided extra protection with the Safe Driving Alert system.
We know when it comes to car insurance in Malaysia, you may feel like there is a lot to wrap your head around. We hope this list of additional benefits can help you make an informed decision so you can protect yourself and your family on the road anytime, anywhere. Check out Generali Malaysia Car Insurance for more info on these add-ons or renew your car insurance today.
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