How am I protected with the RHB Third Party Private Car Insurance?
With this protection plan you will have legal liability for death or bodily injury to any third party, along with the legal liability for loss or damage to third party property. It would be a great alternative if you own an older car and are not qualified for a comprehensive cover.
How much can I be covered for third party liabilities?
You're in for some good news! With this third party motor insurance from RHB, there is no limit to the coverage you can get. Let's say if you've crashed into someone's house and it will cost them RM1 million to get it fixed, that's how much RHB will be willing to pay out on your behalf - given that you make prompt payments for your premium.
However, any legal costs such as lawyer fees will only be handled by your policy up to a maximum of RM2,000. So be prepared to take on more legal fees or maybe get in touch with a couple lawyer friends.
What are the other exceptions for this third party motor policy?
Of course, as this is not a comprehensive motor insurance plan, your own car will not be covered. If you fear that your car will get stolen, wrecked in an accident, or damaged by flood, you'd could upgrade to the fire and theft plan.
You also won't be covered for damages made to your own property, liability to your passengers who are also a family member or authorized driver in your policy, and claims made against you by a court not in Malaysia, Singapore, or Brunei - don't spoil your road trip abroad!
Will I be entitled to no-claim discounts?
Yes, of course you will. The minimum you can enjoy is 25% for a year of no claims, and a maximum of 55% for 5 years and above.