What is RHB Easy Insurans Kasih Motor all about?
The Easy Insurans Kasih Motor is a comprehensive Private Vehicle Insurance Policy that provides compensation for legal liabilities to third parties’ bodily injury or death, and damage to third parties’ property due to an accident caused by your vehicle. This policy also covers any damages or loss of your vehicle due to accidents, fire or theft.
What are the key benefits of this motor insurance policy?
Upon successful application and processing, you’ll receive the policy’s cover note on the spot within 10 minutes, and you’ll also get to renew your road tax on the spot. Easy-Insurans Kasih Motor also offers free car towing services in the event of an accident, as well as a 24-hour emergency service, making this an attractive motor insurance policy for those who drive long distances.
Are there optional benefits I can add on?
By paying an additional premium, you could enjoy additional coverage for your windscreen, an additional driver besides you, legal liability to passengers, legal liability of passengers for negligent acts, and even against strikes, riots and civil commotions.
Until the city hall of Kuala Lumpur manages to rectify flash floods and improve drainage in the city, it may also be wise to pay a bit extra to cover your vehicle from damage due to flood, typhoon, storms, landslides or landslips. If you have an expensive In-Car Entertainment (ICE) system installed in your car, you can even consider adding coverage for your vehicle accessories which covers your radio and CD player.
Is my car eligible for protection under this insurance policy?
As the driver, you’ll need to be between 23 to 65 years old, and your No Claim Discount ( NCD) should be at a minimum of 25% when you apply for coverage at RHB Easy. If this is your first time getting a motor insurance, this means that you’ll have to look for another policy since you’ll only get an NCD of 25% for the 2nd year onwards.
Besides that, your vehicle must not be older than 12 years old, your vehicle’s value must be between RM10,000 and RM150,000, and your vehicle is listed under RHB’s accepted vehicle model listing.
Are there any key terms and conditions I should be aware of?
Similar with other motor insurance policies, the premium due must be paid and received by the insurance company before the coverage commences. So, to ensure a continuous motor insurance coverage, the best thing to do is to renew your motor insurance and road tax a week before expiry.
In the event that your insured vehicle gets into an accident, and the driver of the vehicle at that time happens to be a person below 21 years old, holding a provisional (L) driving license, holding a full driving license of less than 2 years, or someone who is not named in the insurance policy schedule, you’ll be responsible to pay compulsory excess fees of RM400 for each and every claim payable under this policy.
Can I cancel my policy anytime?
You have the option of cancelling your policy at any time by giving a written notice to RHB Insurance Bhd. Within 7 days from the date of cancellation, you’ll need to surrender the certificate of insurance back to the insurance company, or give a statutory declaration if it has been lost, destroyed or if you did not receive it.
Once your cancellation has been processed, you are entitled to a refund premium based on the rates calculated from the date of receipt of the certificate.
Are there any additional fees or charges I should pay?
A stamp duty fee of RM10 will be incurred when you buy this insurance policy, and 10% of the gross premium payable will be paid to Easy by RHB as a commission.