What is this Kurnia auto365 Comprehensive Plus plan?
The auto365 Comprehensive Plus plan is a new, enhanced car insurance policy that goes beyond basic comprehensive coverage by bundling several high-value benefits as standard features. It's ideal for Malaysian car owners seeking an affordable plan that already includes practical perks like flood relief allowance, key replacement cover, and the convenience of covering all drivers without extra charges.
What does this car insurance plan cover?
This plan provides comprehensive coverage against:
- Own Vehicle Damage: Loss or damage to your car due to accidental fire, theft, or a road accident.
- Third-Party Liabilities: Unlimited liability coverage for third-party death or bodily injury, and up to RM3 million for third-party property damage.
- Built-in Added Perks: It includes seven key benefits like Flood Relief Allowance (RM1,500) and Key Care Cover (up to RM500) as standard.
What are the additional benefits of this insurance?
The "Plus" in the name highlights the value-added benefits already built into your policy:
- All Drivers Included: You don't pay extra to name additional drivers, and the standard RM400 compulsory excess is waived for unnamed drivers.
- Warranties for Peace of Mind: You get a 3-year warranty on the workmanship of all repairs done by approved panel repairers, plus a 2-year warranty on windscreen workmanship.
- Financial Relief: Receive a RM1,500 Flood Relief Allowance and reimbursement of up to RM500 for ambulance fees or for replacing car key(s) lost due to theft/robbery.
What are the general exclusions?
General exclusions are conditions that apply to the whole policy where coverage will not be provided. Key exclusions include:
- Losses caused by an unlicensed driver or a driver under the influence of alcohol or intoxicating substances.
- The use of your car for unlawful purposes or to take part in racing or speed tests.
- Losses that are considered consequential losses or expenses incurred due to loss of use of the vehicle.
- Damage caused by war, nuclear risk, or Act of Terrorism.
Will this car insurance provide roadside assistance?
Yes. The policy provides 24-hour Kurnia Auto Assist roadside assistance. This includes breakdown towing of up to 100km in West Malaysia and 60km in East Malaysia. They also offer an Express Claims service for damages up to RM10,000.
What documents do I need to renew my car insurance online?
While the precise list is not in the public documents, you should be prepared with your previous Certificate of Insurance (CI) and all relevant vehicle details (make, model, engine capacity, Sum Insured). Since your contract includes the information you provide in the Proposal Form, ensuring all details are current and accurate is essential. The free SMS service will also help you with renewal reminders.
