What is Kurnia Comprehensive Motor Insurance all about?
Kurnia Comprehensive Motor Insurance will have your back when you are legally liable for bodily injury or property damage to a third party, be it a random stranger walking her dog, or a daredevil on a motorbike. This motor insurance also provides cover for your own speed machine against loss or physical damages due to accidental fire, road collision, or over-turning.
What are the benefits of a Comprehensive policy?
By taking this plan, you will get to enjoy the Kurnia Auto Assist, a 24-hour assistance service for breakdowns and accidents, exclusively for private cars. Get help when you're stuck with a flat tire or a dying engine on the highway or at your driveway.
What type of vehicle does this policy cover?
There are 3 types of vehicles you can have covered under this car insurance policy:
- Private vehicle such as private vans and four wheel drives (for private use).
- Goods carrying vehicles such as commercial goods carrying vehicle with "A" and "C" permit, also petroleum, diesel and bitumen tankers, LPG long trailer and low loaders with "A" and "C" permit.
- Other type of vehicle such as taxis, buses, motorcycles, tractors, and cranes.
How is my premium calculated?
Your premium calculation will be based on a few factors, both regarding your vehicle and yourself as a driver. This risk assessment will be the determining factor in your premium commitments:
- Value of the vehicle
- Engine capacity
- Sum Insured
- Age of Driver
- Gender of Driver
- Occupation/Education of Driver
- Place of Residence
- Claim History.
What are the optional benefits available under this policy?
You will enjoy the following extended benefits with additional premium:
- Windscreen - this covers the breakage of windscreens, front, rear, and side windows. The damaged windscreen will be replaced and your NCD will not be affected. An additional 15% of your amount insured will be charged for this coverage.
- All drivers coverage - this benefit is only applicable for private use vehicle registered under a company or organization. It allows any authorized person to drive your car. RM50 premium is charged per vehicle.
- All riders coverage - this benefit covers unnamed riders who are not stated in your policy. A 50% loading on your basic premium will be charged.
- Legal liability to passengers - this coverage protects you against legal liability to your passenger in the event of a claim. 25% of the third party premium will be charged.
- Strike, Riot, and Civil Commotion - we think that this benefit is pretty self-explanatory! A premium of 0.3% of the sum insured on your vehicle is charged.
- Legal liability of passengers - this covers the legal liability of passengers for acts of negligence. A premium of RM7.50 is charged per car.