When should I get the RHB Third Party Fire and Theft Private Car insurance?
If you're looking for a middle ground solution for your motor protection, it might be worthwhile to take a look at the RHB Third Party Fire and Theft Private Car Insurance. Think you're a relatively good driver but fear your car might get stolen one of these days? Maybe reduced to scrap metal in a fire?
For example, if you were to crash into another vehicle and the accident was deemed to be your fault, then despite not being able to claim for damage to your own car, you’d at least be covered for any damage or bodily injury caused to the other driver. You’d also be covered for legal costs in the event of such proceedings
So RHB will pay for my legal costs?
Yes, but only up to a maximum of RM2,000. This is the standard amount across all policies from other companies.
What are the main exclusions for a fire and theft policy like this one?
This is the halfway solution between a third party only policy and a comprehensive policy - with that said, you're still not covered for damages or loss to your own vehicle caused by a motor collision.
How do I make a claim to RHB?
Want to claim for fire damage to your car? Or claim for stolen parts while you had it parked in the parking lot?
Am I entitled to NCD?
You will be, provided that you haven't had any claims in the past year - you will be entitled to a 25% discount the first time around. Throughout the years, you will then be entitled to a maximum premium discount of 55% if you've successfully driven your car from point A to Z without as much as a scratch for 5 years and above.