Kurnia Insurance offers few type of Motor Insurance. The basic motor policy protects the Insured against loss or damage to the Insured vehicle, third party bodily injuries and properties depending on the coverage selected. The types of coverage available are:
Third Party Cover
Indemnifies the Insured against legal liability arising from both bodily injury and property damage to third party.
Third Party Fire & Theft Cover
Provides cover as in “Third Party Cover”, and also indemnifies the Insured in the event that the Insured’s vehicle is stolen or damaged by fire.
Provides covers as in “Third Party Fire & Theft Cover”, plus physical damage to the Insured’s vehicle following accidental collision or over-turning.
Kurnia Auto Assist
Kurnia Insurance offer FREE Kurnia Auto Assist, a 24-hour assistance service for breakdowns and accidents comes FREE with Kurnia Private Car Comprehensive policy. Kurnia Auto Assist Tel No 1800-88-3833
Premium and Extra Coverage
The premium is calculated according to the Motor tariff prescribed by Persatuan Insurans Am Malaysia (PIAM) based on the following attributes :
- Type of Coverage (Comprehensive, Third Party Fire and Theft, Third Party)
- Use of vehicle (Private Car, Goods Carrying Vehicle, Buses, Taxis, etc)
- Cubic capacity / Carrying Capacity
- Age of vehicle
- NCD Allowed
- Sum Insured
- No. of Authorized Drivers
- Extended coverage
Policyholders also enjoy the following extended benefits with additional premium:
Windscreen (for Comprehensive Cover only)
Covers the breakage of glass in windscreens, front, rear and side windows. The damaged windscreen will be replaced and your NCB will not be affected.
[Premium Charged – 15% of the Amount Insured]
Compensation For Assessed Repair Time (CART) (for Comprehensive Cover Only)
Compensation to insured on loss of use of his vehicle based on loss adjuster’s assessment of the time required for repairs due to an accident claim and NOT the number of days the car is laid up at the workshop. (For more details, please refer to our agents / nearest branches).
All Drivers Coverage
(For Private use vehicle registered under company/organisation) This extra coverage allows any authorized person to drive your car. Not applicable to commercial vehicles (i.e. trailers, lorry etc).
[Premium Charged – RM50 per vehicle]
All Riders Coverage
(For Motorcycle-Comprehensive/Third Party Cover) This policy covers unnamed riders.
[Premium Charged – 50% loading of Basic Premium]
Legal Liability To Passengers
This coverage protects the Insured against legal liability to the passenger in the event of a claim.
[Premium Charged – 25% of Third Party Premium]
Basic Premium up to 4 persons only.
Strike, Riot & Civil Commotion (for Comprehensive Cover only)
Covers the vehicle against damage caused by strike, riot and civil commotion.
[Premium = 0.3% x Sum Insured of your vehicle]
Legal Liability of Passengers
Covers the legal liability of passengers for acts of negligence.
[Premium – RM7.50 per car]
Current Year NCD Relief
This extension provides cover for compensation for loss of “No Claim Discount” (NCD).
[Premium – 15% on NCD entitlement of the current period of insurance and is subject to a minimum premium of RM50]
Kurnia Insurance Claims
If you have experience dealing with Kurnia Insurance claims, kindly share in comments.
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