私家车保险让钱在口袋里留不住的三种方式
In Malaysia buying a car serves as a mark of independence and adulthood in most of our lives. However, do you know what is the extent of coverage that your standard private car insurance policy provides and what it does not cover?
在马来西亚，购买汽车是我们大多数人独立和成熟的象征。但是，您知道您的标准私家车保险单提供的承保范围是什么，而这些保险未涵盖什么吗？
What your Standard Private Car Insurance Policy WILL NOT Cover.
1 There are many instances that the insurance company will deny liability, and some of them are called “Special Perils”, which includes flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence, or other convulsion of nature.
2 Furthermore, the generic Policy does not cover loss or damage caused by riot, strike, civil commotion, and also Legal Liability to Passengers.
您的标准私家车保险未涵盖的范围
1 在许多情况下保险公司拒绝承担责任，它们被称为“特殊附加险”，其中包括水灾，台风，飓风，风暴，暴风雨，火山爆发，地震，山体滑坡，山崩，塌陷或其他自然灾害。
2 此外，通用保单不涵盖因骚乱，罢工，民变而造成的损失或损害并且不涵盖对乘客的法律责任。
For better understanding of the calculations herein, we shall use the example of a motor car insurance for a Toyota Avanza, a 7-seater car with an engine capacity 1,496 cc, and insured at a sum of RM70,000.
2.1为了更好地理解此处的计算，我们将以丰田Avanza汽车保险为例，一个7人座，引擎容量为1,496 cc的汽车，投保额为七万零吉。
Flood, Storm, and Tempest
3 Going through the list of special perils as stated above, one cannot help but wonder “Would I be covered if my car is stuck in a flood?” The answer to that is No.
水灾，风暴和暴风雨
3如上所述的“特殊附加险”列表中，人们不禁要问：“如果我的汽车陷入洪水中，这是否在涵盖范围内？”答案是否定的。
Your common Policy does not cover for the payment of any mechanical breakdowns, engine failure or other damages that are caused by flood water entering the interiors of your car.
4您的常规保单不涵盖因洪水进入车内而造成的机械损坏，引擎故障或其他损失。
4.1 One of our clients had to replace the engine of his C Class, after his car was hit by flash flood in the City, the replacement cost for the engine was a whopping USD20,000 (RM80,000).
4.1在他的汽车于市内遭遇了闪电水灾后，我们的一位客户被迫更换他的马赛地宾士C Class汽车引擎，更换引擎的费用为两万美金（八万令吉）。
Car submerged in a flood
汽车淹没在洪水中
5 You have the option to supplement your policy by the payment of an additional premium with a flood, storm, hurricane, and tempest Endorsement.
5.1 An endorsement is basically an additional coverage that you may subscribe together with the original Policy with a fee.
5 您可以选择支付水灾，风暴，飓风，暴风雨的附加保费作为保单的补充。
5.1 保单的补充基本上是您可以连同原保单一起付费签购的额外保障。
For the Endorsement for Special Perils, the additional premium required is 0.5% of the value of the car.
5.2.1 For example, the calculation for a car with a sum insured of RM70,000 is as follows:
0.5% x RM 70,0000.00 = RM 350.00
5.2对于“特殊附加险”的保单补充，附加保费为汽车价值的0.5％。
5.2.1例如，投保额为七万零吉的一辆汽车的计算如下：
0.5％x RM 70,0000.00 = RM 350.00
Riot, Strike, and Civil Commotion (RSCC)
6 In view of the current events, riots and other public disturbances are becoming a common issue worldwide.
6.1 The generic Policy does not cover for damages inflicted upon your car consequence to a violent act, or any disturbance of the public peace.
暴动，罢工和民变（RSCC）
6纵观当前局势，暴动和其他公共骚乱正成为世界共性问题。
6.1通用保单不涵盖因暴力行为或任何干扰公共和平而对您汽车造成的损害。
Endorsement for RSCC
对暴动，罢工和民变的补充
To avoid being devastated by such events, subscribing to the endorsement providing protection against riots, strikes, and civil commotions will be beneficial as it specifically covers the following:
7为了避免受到此类事件的摧残，签购可以为暴动，罢工和民变提供保护的补充是有帮助的，因为它特别涵盖以下内容：
7.1 The act of any person taking part in any disturbance of the public peace or the acts of a lawful authority done in suppressing or minimizing the said disturbance; and
7.1任何人参与任何干扰公共和平的行为，或合法当局为抑制或减少这种干扰而采取的行动；和
The wilful act of any striker or worker done in demonstration of a strike or resistance to any lockout from the working premises, or the acts of any lawful authority done to suppress or minimize the consequences of the worker’s acts.
7.2任何罢工者或工人为示威罢工或抵制工作场所的任何封锁而采取的故意行为，或合法当局为抑制或减少工人行为后果而采取的行动。
To obtain the Endorsement for RSCC, one has to pay a premium of 0.3% of the sum assured.
7.3.1 For example, the calculation for the additional premium for a Toyota Avanza with a sum insured at RM 70,000.00 is as follows:
0.3% x RM 70,000.00 = RM 210.00
7.3要获得暴乱，罢工和民变（RSCC）的保单补充，必须支付保险额0.3％的保费。
7.3.1例如，投保额为七万零吉的丰田Avanza的附加保费计算如下：
0.3％x RM 70,000.00 = RM 210.00
The generic Policy has a clause on the Exclusion of Legal Liabilities to Passengers (“LLP”). The insurer will not cover you for any injury sustained by the passengers.
对乘客的法律责任（LLP）
8通用保单中有一项关于免除对乘客法律责任（“LLP”）的条款。保险公司不承担您对于您乘客所受的损伤而负的责任。
A lady injured in an accident
You can choose to extend the cover by removing the existing LLP clause (Endorsement 100) for a fee, then, the Insurers will cover you with some exceptions as stated herein.
对乘客法律责任的补充
一位女士在一次事故中受伤
9您可以选择付费移除现有的LLP条款（补充100）来扩大承保范围，然后保险公司将为您承保以下所述的某些例外情况。
For example, for a Toyota Avanza, with a sum insured at RM70,000, the premium for LLP endorsement is 25% of the Third Party Premium whereby RM 10.00 is added for every seat that is in excess of five seats.
9.1补充 LLP的保费是第三方保费的25％，其中超过五个座位则每个座位额外征收十零吉。
Premium is estimated to be RM 168.75. Therefore, the calculation for the LLP Endorsement is as follows:
25% x RM 168.75 =RM 42.19
RM42.19+ RM20.00 (for the additional two seats) = RM 62.19
9.2例如，对于投保额为七万零吉的丰田Avanza，第三方保费估计为RM168.75，因此，补充LLP的计算如下：
25％x RM 168.75 = RM 42.19
RM42.19 + RM20.00（两个额外的座位）= RM 62.19
10 The Insurers WILL NOT pay for any bodily injury or death of a passenger who is:
10.1 paying for the ride; or
10.2 your employee; or
10.3 your family member, transported in the course of a leisurely travel .
10保险公司将不为以下乘客的身体损伤或死亡而支付赔偿；
10.1付费搭客；或
10.2您的员工；或
10.3您的家庭成员，乘搭于休闲度假的途中
11 In the case Union Insurance Co. v Chan You Young [1995] 4 CLJ 92, decided by the Court of Appeal of Malaysia, the wife of the Insured was able to claim from Union Insurance Co. as at the time of accident, she was being driven because she was heading to work instead of being on leisurely travel.
11 根据Union Insurance Co. v Chan You Young [1995] 4 CLJ 92案件，马来西亚上诉庭裁定，投保人的妻子可以向Union Insurance Co.索赔，因为在事故发生时，她正前往上班而不是休闲度假。
Vehicles Entering Singapore
12 Another point to note is that, if you are planning to drive to Singapore with your vehicle, you are required to have the Endorsement for LLP as it is compulsory in Singapore.
新加坡入境车辆
另一点需注意的是，如果您打算驾驶您的轿车前往新加坡，则需要补充LLP，因为在新加坡这是强制性的。
Disclaimer // 数据和信息免责（免责声明）
This article is a part of Alex Chang & Co’s Corporate Social Responsibility effort to share our thoughts on some legal matters. Please consult your legal advisors and/or your insurance brokers on your specific needs.
这篇文章是Alex Chang＆Co为企业社会责任的部分努力，就某些法律问题分享我们的想法。请根据您的特定需求咨询您的法律顾问和/或您的保险经纪人。
13.1 The Copyright of this article is reserved, however, feel free to share the link to this article.
13.1版权所有。但您可以分享此网站的链接。
计算示例
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Chinese Tranlsation by Anni Ng
