What is this auto365 Comprehensive Premier plan?
The auto365 Comprehensive Premier plan is Kurnia's most advanced and feature-rich car insurance policy. It’s designed for car owners who prioritize maximum security and top-tier service, offering 10 premium benefits as standard, like the guarantee of an Agreed Value payout and unlimited towing. This policy essentially upgrades the standard comprehensive plan to ensure minimal out-of-pocket costs and superior claim service.
What does this car insurance plan cover?
This plan provides comprehensive coverage that is significantly enhanced by its standard features:
- Own Vehicle Damage: Protection against loss or damage due to accident, fire, or theft.
- Agreed Value Guarantee: Unlike standard policies that pay market value, this policy uses the Agreed Value for total loss or theft payouts, eliminating depreciation worries.
- Third-Party Liabilities: Unlimited coverage for third-party death or bodily injury, and up to RM3 million for property damage.
What are the additional benefits of this insurance?
The "Premier" designation means you get many benefits that are typically paid add-ons in other policies:
- Worry-Free Repairs: Waiver of Betterment means you won't pay extra when new parts are used, plus you get a 3-year warranty on the repair workmanship.
- Enhanced Financial Protection: Built-in coverage for loss of your car key (up to RM1,000), compensation for Window Snatch Theft (up to RM1,000), and reimbursement for Ambulance Fees (up to RM1,000).
- Flood and Towing: Includes an RM1,500 Flood Relief Allowance and Unlimited Towing within Malaysia.
What are the general exclusions?
Even with premier coverage, the policy excludes claims resulting from:
- Any incident caused by an unlicensed driver or a driver under the influence of alcohol/drugs.
- Using your car for any unlawful purpose or for professional racing/speed testing.
- Losses due to war, nuclear risk, or an Act of Terrorism.
- Consequential losses or expenses incurred due to the loss of use of the vehicle.
Will this car insurance provide roadside assistance?
Yes, the auto365 Comprehensive Premier provides the highest level of assistance, including 24-hour Kurnia Auto Assist.
What documents do I need to renew my car insurance online?
The specific list is not detailed in the public-facing documents. However, you should prepare your previous Policy Schedule or Certificate of Insurance (CI) and all current vehicle details (including the Agreed Value if applicable). The insurer relies on the information you provide in your Proposal Form, so ensuring those details are accurate is critical.
