What Is the Kurniamotorcycle365 Comprehensive Plus Plan?
The Motorcycle365 Comprehensive Plus plan is a new and improved comprehensive insurance policy specifically for motorcycles. It goes beyond standard bike protection by bundling essential personal accident benefits for the insured, the authorised rider, and the pillion rider. This means you get a solid base of coverage for your machine, plus valuable financial support for the people riding it, all in one package.
What Does This Motor Insurance Plan Cover?
This comprehensive plan provides wide coverage for your motorcycle and the people riding it:
- Own Motorcycle Damage: Covers loss or damage to your bike due to a road accident, accidental fire, or theft.
- Third-Party Liability: Offers unlimited coverage for your legal liability regarding third-party death or bodily injury, and covers property damage.
- Built-in Personal Accident (PA): Includes PA benefits for the insured (RM5,000) and authorised rider (RM5,000), plus a separate benefit for the pillion rider (RM1,500). This also includes a Double Indemnity feature for the insured during National Public Holidays.
What Are the Additional Benefits of This Insurance?
The "Plus" in the name highlights five key added benefits included as standard:
- Personal Accident Cover: Built-in compensation for accidental death/permanent disablement for you, your authorised rider, and your pillion rider.
- Hospital Income: Pays a Hospital Income benefit of RM50 per day (up to 60 days) for the insured and authorised rider.
- Ambulance Fees: Reimburses up to RM200 for ambulance fees incurred by the insured.
- Breakdown Assistance: Provides towing assistance up to 75km per round trip for bikes 250cc and below, up to three times per policy year.
What Are the General Exclusions?
To avoid unexpected claim issues, be aware that the policy generally excludes:
- Natural Disasters: Loss, damage, or liability resulting from convulsions of nature (e.g., flood, typhoon, landslide), although this can be purchased separately.
- Consequential Losses: Financial loss due to the inability to use your motorcycle (loss of use).
- Unauthorised Use: Use of the motorcycle for racing, rallies, or for rental, hire, and reward.
- Unlicensed/Impaired Riding: Riding without a valid license or under the influence of alcohol or intoxicating drugs.
Will This Motor Insurance Provide Roadside Assistance?
Yes. The policy includes 24-hour Kurnia Auto Assist support at 1-800-88-3833. It offers a standard Breakdown Assistance feature that includes towing up to 75km per round trip for motorcycles 250cc and below, limited to three events per year.
What Documents Do I Need to Renew My Motor Insurance Online?
The specific documentation for online renewal isn't fully detailed in the materials, but your insurance contract requires the information provided in the Proposal Form. You should be ready with your previous policy details (like your policy number and Sum Insured) and rely on the FREE SMS service for renewal reminders.
