What is Kurnia Driver & Passengers' Personal Accident Insurance?
Kurnia Driver & Passengers Personal Accident Insurance is a policy that gives protection to the driver and all passengers of a motor vehicle against financial loss if they are injured, suffer permanent disability, or die due to a road accident. This policy is designed to give additional coverage on top of your existing motor and personal accident policies. It helps make sure everyone in the car is covered.
What are the covers or benefits?
The main benefits of the Driver & Passengers' Personal Accident Insurance include:
- Accidental Death and Permanent Disablement: This policy offers coverage up to RM75,000 for private vehicles. Permanent Disablement means a serious injury that leaves you unable to work or live a normal life.
- Medical Expenses: For up to RM6,000.
- Corrective Dental & Cosmetic Surgery: The policy pays up to RM1,000 for dental or cosmetic surgery needed because of an accident.
- Bereavement Allowance: A payout of RM500.
What are the unique features of this plan?
This insurance offers several unique features that make it stand out.
A key benefit is its expanded coverage where the policy's payout is given on top of any benefits you may receive from other personal accident policies you already have. Importantly, the plan includes Coverage for Negligence, meaning the benefit will still be paid even if the driver is found to be negligent or at fault in the accident.
Furthermore, the plan has a wide scope for who and what is covered. It applies to passengers in diverse vehicle types, such as cars, taxis, vans, trucks, buses, and 4WDs. Finally, it has wide eligibility, covering motor vehicle owners, authorised drivers, and passengers who are aged 3 to 90 years old.
Can I cancel the policy after purchasing it?
Yes, you can cancel the policy after purchasing it. You will need to provide a written notice within 14 days to Liberty General Insurance Berhad to process the cancellation. Any refund given is usually calculated on a pro-rata basis. This means the insurer only refunds the unused part of your premium for the remaining time of the policy.
The benefit(s) payable under this eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact Generali Life Insurance Malaysia Berhad or PIDM (visit www.pidm.gov.my).
