What is Kurnia Motorcyclist Personal Accident Insurance about?
This is a specialized insurance policy that provides 24-hour and worldwide protection for motorcyclists. It helps protect you and your family financially if you suffer an accidental injury, accidental death, or permanent disablement (loss of use of a body part).
It offers coverage up to a set amount (the sum insured) for specific types of accidents. The policy is generally affordable and designed specifically for riders.
What are the covers or benefits that you can get from Kurnia Motorcyclist Personal Accident Insurance?
The policy covers the essential costs associated with a serious accident:
- Accidental Death: A payout to your family if the accident causes your death.
- Permanent Disablement: A payout if the accident causes the permanent loss of use or function of a body part (like an arm or leg).
- The accident must lead to death or permanent disablement within 12 months for the benefit to be paid.
What are the unique features of this insurance plan?
The key features focus on providing comprehensive and convenient protection:
- 24-hour Worldwide Protection: The policy covers you anytime, no matter where you are in the world.
- Affordable Premium: It comes with an accessible and low annual payment.
- Focused Coverage: It is a dedicated plan for motorcyclists, ensuring the coverage is relevant to their needs.
The benefit amount you receive is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to a certain limit.
Can I cancel the policy after purchasing it?
Yes, you can cancel your policy. But you must provide written notice to Liberty General Insurance Berhad at least 7 days before you want to cancel it. Any refund of your premium is typically calculated based on the unused portion of the policy period. This is usually done on a pro-rata (proportional) or short-period basis. Depending on when you cancel, you may not receive a full refund for the entire period beyond the cancellation date.
The benefit(s) payable under this eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact Liberty General Insurance Berhad or PIDM website.
