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Generali Group has fully acquired AXA Malaysia. Please be assured that our commitment remains and we will continue to honour existing policies. Find out more here.
So, you are going to get your car insurance policy to protect you and your car. But did you know there are additional benefits you can add on to give you and your vehicle an extra protection?
Here's a breakdown of some of the 10 most popular car insurance additional benefits as chosen by Generali Malaysia’s online car insurance customers. We want to help you make an informed decision on what coverage you might need and decide whether they are worth the extra cost to your car insurance premium.
All-Drivers - You mean anyone can drive my car and we would still be covered if an accident occurred, and we got injured?
Yup, that's right! With this extra insurance coverage, anyone who drives your car, not just the specified driver in your policy, is automatically considered an authorized driver, so you don't have to worry about whether they are covered.
Furthermore, this All-Drivers additional coverage is a steal for only RM20 per year!
Windscreen Breakage - Have you ever been driving somewhere when suddenly, a pebble slams into your windscreen, leaving a terrible crack?
You won't have to worry about the expense of repairs or replacements because this policy add-on protects against damage to your car's front and rear windshields, all windows, and sunroof glass, even if it cracks or gets chipped.
However, the cost of Windscreen coverage varies depending on current market price as well as the car model year and make.
Special Perils – Special perils coverage refers to damages to your car due to floods, fallen trees, landslides, storm, earthquakes, and other convulsions of nature. If any of these natural events damage your car, this add-on benefit has got your back.
With the current climate crisis and unpredictable weather in this country, special perils has become one of the most popular added benefits to the standard car insurance policy, after all it is better to be safe than sorry.
Driver & Passengers Protection - Accidents can happen to anyone at any time. Even a vehicle that is stopping at the red light could be caught in an accident due to various reasons.
Driver & Passenger Protection coverage can help take care of medical expenses, loss of income, or funeral expenses, among other things if you or your passengers are injured from the accident.
Legal Liability of Passengers (LLOP) - This coverage provides protection if a passenger in your car is found to be legally liable for an accident or caused damages to a third party. It can help cover the costs of damages or injuries to other parties involved.
For example, a passenger in your car may have hurt a pedestrian or a motorist by opening the car door and injuring that person. If the wounded person, who is now designated a third party, decides to sue you and your friend, this new coverage will cover your losses and you will not have to pay from your own pocket.
In addition, the Singapore government has made it mandatory for Malaysian vehicles to have LLOP added to their car insurance policy if they are planning to enter the country by car.
Waiver of Betterment - Don't understand what betterment is? That's OK; we've got your back. Essentially, it is the difference in value between an old and new part utilized to fix your car.
If you add this coverage when renew your car insurance, it helps eliminate or waive the need for you to pay the difference when your damaged car parts are replaced with brand-new original parts. However, this benefit is only applicable to selected car models and make. You can email our customer service team at customer.service.gi@generali.com.my to learn more.
Legal Liability to Passengers (LLTP) - If you are at fault for an injury or death to a passenger while driving your vehicle, this coverage could help you cover the medical expenses or lost income to your passenger. This particular benefit is also intended to safeguard you in the event of legal liabilities brought by your passengers.
This situation might sound extreme, but in the event you had friends or acquaintances in your vehicle and were involved in an accident due to your own negligence, if the victims sue you and you do not have Legal Liabilities to Passengers coverage, you will have to cover that expense out of your own pocket.
Another thing to note is that Legal Liability to Passengers (LLTP) is also a mandatory coverage like the LLOP coverage if you plan to enter Singapore by car.
Additional Named Driver – If you are a first-time car owner in Malaysia, adding an Additional Named Driver to your policy means you can specifically choose who's covered to drive your car at RM20 per registered named driver. Unlike an All Drivers benefit, you can customize your policy and potentially save more on your premiums.
No Claim Discount Relief - You know that discount you get for not making any claims on your car insurance policy. With this add-on, it means you can keep your current NCD to your next car insurance renewal period even if you do make a claim. It's like a little reward for being an unlucky careful driver.
Extension to Thailand - Considering a cross-border road trip up north? This add-on extends your car insurance coverage to Thailand, so you won't need to purchase any additional insurance. Additionally, it provides protection against things like robbery and natural disasters.
So, there you have it. These extra benefits can give you not only extra peace of mind but also extra protection on the road. Just keep in mind to weigh up the cost versus the benefit before you decide to add them to your policy.
PS: Save time, avoid paperwork, and receive an instant premium rebate when you buy or renew your Generali car insurance directly online. It's quick, convenient, and ideal for the savvy and smart. Don't pass up the opportunity to save time and be paid right away. Your car is deserving of the best!
