Kurnia auto365 Comprehensive Lite

What Is the Kurnia auto365 Comprehensive Lite Plan About?

Think of the auto365 Comprehensive Lite as your essential, hassle-free car insurance. It’s a straightforward motor insurance plan that ensures you get core, robust coverage for your car without inflating the price with add-ons you might not need. It’s designed to be flexible and affordable, allowing you to customize your coverage by adding only the specific optional benefits that give you the best value for your money.

What Does This Car Insurance Plan Cover?

This is a comprehensive plan, meaning it gives you a strong foundation of protection:

• Your Car is Covered: Protection against loss or damage to your vehicle resulting from accidents (collision or overturning), accidental fire, and theft.
• Third-Party Liability: Crucially, it covers your legal liability for claims involving bodily injury or death to any third party (unlimited coverage) and provides up to RM3 million for third-party property damage.
• Accident Towing: It helps you immediately after an incident by covering up to RM200 for accident-related towing costs.

What Are the Additional Benefits of This Insurance?

You can tailor the Lite plan with extra coverage for an additional premium. The most popular enhancements include:

• Financial Safety Net: Adding Personal Accident cover (up to RM10,000) for accidental death or permanent disablement.
• Weather Protection: Purchasing the Special Perils add-on to get coverage against natural disasters like flood, typhoon, and landslide.
• Peace of Mind: Opting for the Compensation for Assessed Repair Time (CART), which gives you a daily payout while your car is in the workshop, compensating you for the time you lost using your vehicle.

What Are the General Exclusions?

To ensure your claim is processed smoothly, you should know what the policy generally won't cover. Key exclusions include:

• Driver Status: Any incident caused when the driver is under the influence of alcohol/drugs, or if the driver does not possess a valid driving license.
• Car Use: Using the car for any unlawful purpose, racing, pacemaking, or if you use it for hire or reward (like e-hailing, unless you bought the specific add-on).
• Catastrophic Risks: Losses related to war, nuclear risk, or terrorism.
• Negligence: Additional damage if you leave the car unattended or drive it in an unroadworthy condition after an incident.

Will This Car Insurance Provide Roadside Assistance?

Yes, absolutely. The policy comes with 24-hour Kurnia Auto Assist roadside assistance. While the basic plan covers towing up to RM200 in the event of an accident, you can opt for the additional Breakdown Towing Assistance, which covers you for towing up to 150km per round trip in case of a non-accident breakdown.

What Documents Do I Need to Renew My Car Insurance Online?

The specific list is not explicitly detailed in the public-facing documents. However, since the insurer needs to assess your risk and verify your vehicle details, you should typically have ready:

• Your existing Policy Schedule or Certificate of Insurance (CI), which contains your policy number, vehicle details, and current Sum Insured.
• Up-to-date vehicle information (registration details).

You'll also benefit from the free SMS service that sends you renewal reminders.

For more information, please check out the following documents.

1. Product Disclosure Sheet

2. Policy Wording

The benefit(s) payable under this eligible policy is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact Liberty General Insurance Berhad or PIDM (visit www.pidm.gov.my).