\u4e2d\u6587\u7248<\/a><\/p>\n What your\u00a0 Standard Private Car Insurance Policy WILL NOT Cover.<\/p>\n 1 \u00a0\u00a0 \u00a0There are many instances that the insurance company will deny liability, and some of them\u00a0 are\u00a0 called\u00a0 \u201cSpecial Perils\u201d, which includes flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence, or other convulsion of nature.<\/p>\n 2 \u00a0\u00a0 \u00a0Furthermore, the generic Policy does not cover loss or damage caused by riot, strike,\u00a0 civil commotion,\u00a0 and also Legal Liability to Passengers.<\/p>\n 2.1 For better understanding of the calculations herein, we\u00a0 shall use the example of\u00a0 a\u00a0 motor car insurance for a Toyota Avanza, a 7-seater car with an\u00a0 engine capacity\u00a0 1,496 cc, and insured at a sum of RM70,000.<\/p>\n 3 \u00a0\u00a0 \u00a0Going through the list of special perils as stated above, one cannot<\/p>\n help but wonder “Would I be covered if my car is stuck in a flood?\u201d\u00a0\u00a0 The answer to that is No.<\/p>\n 4 \u00a0\u00a0 \u00a0Your common Policy does not cover for the payment of any<\/p>\n mechanical breakdowns, engine failure \u00a0or other damages that are caused by flood water entering the interiors of your car.<\/p>\n 4.1 \u00a0One of our clients had to replace the engine of his C Class, after his car was hit by flash flood in the City, \u00a0the replacement cost for the engine \u00a0was a whopping USD20,000 (RM80,000).<\/p><\/blockquote>\n 5 \u00a0\u00a0 \u00a0You\u00a0 have the option to supplement your policy by the payment of an additional premium\u00a0 with a flood, storm, hurricane, and tempest Endorsement.<\/p>\n 5.1 \u00a0\u00a0 \u00a0An endorsement is basically an additional coverage that you may\u00a0 subscribe together with the original Policy with a fee.<\/p>\n 5.2 \u00a0\u00a0 \u00a0For the Endorsement for Special Perils, the additional\u00a0 premium\u00a0 required\u00a0 is 0.5% of the value of the car. 6 \u00a0\u00a0\u00a0 \u00a0In view of the current events, riots and other public disturbances are\u00a0\u00a0\u00a0 becoming\u00a0 a common issue worldwide.<\/p>\n 6.1 \u00a0\u00a0 \u00a0The generic Policy does not cover for damages inflicted upon your car\u00a0 consequence to a violent act, or any disturbance of the public peace.<\/p>\n 7 \u00a0\u00a0 \u00a0To avoid being devastated by such events,\u00a0 subscribing to the endorsement providing protection against riots, strikes, and civil commotions\u00a0 will be beneficial\u00a0 as it specifically covers the following:<\/p>\n 7.1 \u00a0\u00a0 \u00a0The 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;\u00a0 and 7.3 \u00a0\u00a0 \u00a0To obtain the\u00a0 Endorsement for RSCC, one has to pay a premium of\u00a0 0.3% of the sum assured. 8 \u00a0\u00a0 \u00a0The\u00a0 generic Policy\u00a0\u00a0\u00a0 has a clause on the Exclusion of Legal Liabilities to\u00a0 Passengers (“LLP”).\u00a0\u00a0\u00a0 The insurer\u00a0\u00a0 will not cover you\u00a0\u00a0 for any\u00a0 injury sustained by the\u00a0 passengers.<\/p>\n 9 \u00a0\u00a0 \u00a0You\u00a0 can\u00a0 choose to extend the cover by removing the existing LLP clause (Endorsement\u00a0 100)\u00a0 for a fee, then,\u00a0 the Insurers will\u00a0 cover you with some exceptions \u00a0as stated herein.<\/p>\n 9.1 \u00a0\u00a0 \u00a0The 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. 10 \u00a0\u00a0 \u00a0The\u00a0 Insurers\u00a0 WILL NOT pay for any bodily injury or death of a passenger who is: 11 \u00a0\u00a0 \u00a0In the case Union Insurance Co. v Chan You Young [1995] 4 CLJ 92, decided by the Court of Appeal of Malaysia,\u00a0 the wife of the Insured\u00a0 was\u00a0 able\u00a0 to claim from Union Insurance Co.\u00a0\u00a0\u00a0 as at the time of accident, she was being driven because she was heading to work instead of being on\u00a0\u00a0 leisurely travel.<\/p>\n Vehicles Entering Singapore 13 \u00a0\u00a0 \u00a0This\u00a0 article is a part of Alex Chang & Co’s<\/a> Corporate Social Responsibility\u00a0\u00a0 effort to share our thoughts<\/a>\u00a0 on some\u00a0 legal matters<\/a>.\u00a0 Please\u00a0 consult your legal advisors and\/or your insurance brokers\u00a0 on your specific needs.<\/p>\n 13.1 \u00a0\u00a0 \u00a0The Copyright of this article is reserved, however, feel free to share\u00a0 the link to this article.<\/p>\n Annexure<\/a>, Example of Calculation<\/p>\n Iman Izzati Azhari<\/a><\/p>\n www.alexchanglaw.com<\/p>\n","protected":false},"excerpt":{"rendered":" 3 Ways\u00a0 Your Private Car Insurance\u00a0 Will Burn A Hole in Your Pocket In\u00a0 Malaysia buying a car serves as a mark of independence and adulthood in most of our lives.\u00a0 However, do you know\u00a0 what is the extent of coverage that your standard private car insurance policy provides and what it does not cover? […]<\/p>\n","protected":false},"author":1804,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[67],"tags":[],"_links":{"self":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts\/2662"}],"collection":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/users\/1804"}],"replies":[{"embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/comments?post=2662"}],"version-history":[{"count":36,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts\/2662\/revisions"}],"predecessor-version":[{"id":9574,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/posts\/2662\/revisions\/9574"}],"wp:attachment":[{"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/media?parent=2662"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/categories?post=2662"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alexchanglaw.com\/index.php\/wp-json\/wp\/v2\/tags?post=2662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"Sports](\"http:\/\/alexchanglaw.com\/wp-content\/uploads\/2015\/11\/Car-Sports-W-300x225.jpg\")
<\/a>Flood, Storm, and Tempest<\/h3>\n
![\"Flood](\"http:\/\/alexchanglaw.com\/wp-content\/uploads\/2015\/11\/Flood-Village-W-300x200.jpg\")
<\/a>Endorsement for Flood<\/h3>\n
![\"Car](\"http:\/\/alexchanglaw.com\/wp-content\/uploads\/2015\/11\/Flood-Car-Submerged-W-300x200.jpg\")
<\/a>
\n5.2.1 \u00a0\u00a0 \u00a0For example, the calculation for a car with a sum insured of RM70,000 is as follows:
\n0.5% x RM 70,0000.00 = RM 350.00<\/p>\nRiot, Strike, and Civil Commotion (RSCC)
\n<\/span><\/h3>\nEndorsement for RSCC<\/h3>\n
\n7.2 \u00a0\u00a0 \u00a0The 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.<\/p>\n
\n7.3.1 \u00a0\u00a0 \u00a0For example, the calculation for the additional\u00a0 premium for\u00a0 a Toyota Avanza with a sum insured\u00a0\u00a0 at\u00a0 RM 70,000.00 is as follows:
\n0.3% x RM 70,000.00 = RM 210.00<\/p>\nLegal Liabilities\u00a0 to\u00a0 Passengers<\/h3>\n
Endorsement for LLP<\/h3>\n
![\"A](\"http:\/\/alexchanglaw.com\/wp-content\/uploads\/2015\/11\/Lady-Injury-W-219x300.jpg\")
<\/a>
\n9.2 \u00a0\u00a0 \u00a0For example, for a Toyota Avanza, with a sum insured at RM70,000\u00a0 the Third Party Premium is estimated to be RM 168.75. Therefore, the calculation for the LLP Endorsement is as follows:
\n25% x RM 168.75 =RM 42.19
\nRM42.19+ RM20.00 (for the additional two seats) = RM 62.19<\/p>\n
\n10.1 \u00a0\u00a0 \u00a0paying for the ride;\u00a0 or
\n10.2 \u00a0\u00a0 \u00a0your employee;\u00a0 or
\n10.3 \u00a0\u00a0 \u00a0your family member, transported in the course of a\u00a0 leisurely travel .<\/p>\n
\n12 \u00a0\u00a0\u00a0 \u00a0Another\u00a0 point to note is that,\u00a0 if\u00a0 you are planning to drive to Singapore with your vehicle, you are required to have the\u00a0 Endorsement for LLP as it is compulsory\u00a0 in Singapore.<\/p>\nDisclaimer<\/h3>\n
![\"Iman](\"http:\/\/alexchanglaw.com\/wp-content\/uploads\/2015\/11\/ACC-Iman-Izzati-Azhari-W-150x150.jpg\")
<\/a>