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Auto Insurance Coverages

Third Party Coverage

Third party insurance covers your car against third party liabilities such as death, bodily injuries to third party and losses or damages of third party property caused by accidents. With this type of policy, you cannot claim damage to your vehicle. Third party insurance is the minimum coverage a driver needs to renew road tax and drive legally in Malaysia.

Third Party, Fire and Theft cover

What this policy does is to protect you, the driver, from third-party claims, whether for personal injury or death, third-party property damage, or damage to your vehicle. This is basically the same as third-party insurance, but adds coverage for damage caused by fire and vehicle theft.

Comprehensive cover

Comprehensive coverage helps cover the cost of damages to your vehicle when you're involved in an accident that's not caused by a collision. This type of policy gives you basically the same coverage as a 3rd party, fire and theft policy, but adds protection against damage to your own vehicle.

Additional Driver Add-on

An additional driver is an insurer who can drive the insured car or motorcycle with the owner's permission and enjoy the same rights as the owner.

Windshield Damage Insurance

Windshield insurance/coverage is a type of additional protection specifically for your car’s windscreen. It is an add-on to your current car insurance policy.

Special Perils Cover

The Special Perils Covers can save you a lot of money. By getting this additional insurance cover, you will be insured against damages due to natural disasters, such as earthquakes, sinkholes, landslides and floods etc.

Strikes, Riots And Civil Commotion

Strikes, Riots And Civil Commotion add-on cover the repair costs to your vehicle for damages caused by strikes, riots, and civil commotion.

Compensation For Assesses Repair Time (CART)

This add-on will compensate you for the estimated number of days it takes to have your car repaired. If you have been in an accident, your car could be in the shop for a few days. By getting this add-on, you will receive compensation that allows you to pay for a rental car.

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I have a question about this service, who can I contact?

You can send an email to insurancesupport@carro.co with your enquiry.

汽车保险常见问题

  • 什么是综合型汽车保险?
    这份保单是为了保障你在一场交通意外事故后,所造成自身汽车或第三方的损失。该保单覆盖范围包括人身伤亡和其他方的财产损失。
  • 如何计算汽车保险费?
    保险费是基于风险特征。潜在风险越高,保险费越高。潜在风险越低,保险费越低
  • 什么是汽车保险自由化?
    这意味着汽车保险费并不会再以汽车税作为考量(拥有固定的价格表)

  • 如何决定我的汽车保险金额?
    汽车保险的金额需要依照汽车的市场价值而定。市场价值代表你的汽车的价值,其中就包括了汽车的损耗和折旧价
  • 综合型保险的主要不承保项目?

    该保单不会为投保人提供以下保障: 

    意外事故造成投保人的伤亡;

    投保人的汽车内的乘客;

    因自然灾害如水灾、风暴或是土崩所造成的损失、破坏和责任。

  • 什么“无索赔奖金“?
    无索赔奖金是一种特殊折扣。一般上,都是给予在一年内没有申请索赔的投保人
  • 什么是 “excess”?
    大部分的保单都有excess, 也就是投保人在一场索赔当中需要缴付的费用。Excess分为两种,一种是强制性的,是由保险公司要求增加的;另一种是自愿性的。你常看到的“total excess” 就是结合了这强制性和自愿性的Excess,而这个金额就是你在一次索赔当中需缴付的费用。
  • 什么是”Loading”?
    Loading是一项保险费用当中的额外金额。这一项金额是在高风险者的保险费当中。一般上,Loading 是因为投保人容易遭受到某种风险所造成的损失而产生的加额保障。
  • 为什么未索赔折扣(NCD)和我的记录有差?
    NCD 会有所不同可能是因为有人提出索赔或是被保险人要求NCD转移到另一辆汽车上。你也通过以下网址来查询你现今的NCD率:Ncd Checker
  • 什么是市场价值保险加额(Market Value Coverage)?
    市场价值是保险公司根据你的汽车在公开市场上所预计的金额。假设你的汽车发生任何事情,你所得到的赔偿是依据当时汽车的市值。普遍上,市场价值保险加额的保险费比较低。
  • 什么是协定保险加额(Agreed Value Coverage)?
    协定保险加额是你和保险公司之间协商同意的金额。假设你的汽车被注销或被盗窃,你可以通过协定保险金额让保险公司赔偿。普遍上,协定保险加额的保险费比较高。
  • Is there any after sales & claims services offered to customer after insurance purchase?
    No after sales services are offered after insurance purchase. You may contact your chosen insurance company for after sales services.
  • Can I purchase this product direct from insurance company?
    Yes, to purchase direct from your preferred insurer, you may contact insurer or visit insurer’s website or walk-in to nearest insurer’s branch
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