5 Car Insurance Add-Ons to Improve Your Motor Insurance Plan
A motor insurance coverage plan is mandatory to get your vehicle on the road. However, many of us renew our car coverage plan as it is.
With Etiqa’s car insurance add-ons, you’re getting coverage personalised to your driving needs, providing extra protection and confidence when behind the wheel.
What Is Add-On Coverage In Car Insurance?
Add-on coverage gives you the flexibility to customize your motor insurance plan to better fit your needs. Options like windscreen damage, personal accident cover, and extreme weather coverage allow you to enhance your policy beyond the cookie-cutter car insurance plan most drivers are familiar with.
By including these extras, you ensure not only a well-rounded protection plan, but also free your mind from unexpected financial worries you may encounter down the road.
5 Motor Insurance Add-Ons To Enhance Your Coverage Plan
1. Windscreen coverage
One of the most important add-ons for car insurance plans is the windscreen coverage add-on.
No matter where you choose to drive or park your car, this additional protection allows you to make claims for different types of windscreen cracks and breakage without affecting your No-Claim Discount (NCD).
If you often drive on highways, along construction sites or gravel paths, you’re more likely to get hit by pesky stones and gravel, increasing the chances of breakage. If it’s within your budget, this is highly recommended.
2. Drive Less Save More (DLSM)
Exclusively available on Etiqa, this benefit gives you up to 30% cash rebates when you submit your mileage reading. The lower your mileage, the higher your rebate. Why? Because so many of us are driving less these days, it just makes sense to save on that premium or contribution.
Oh, not forgetting the most important bit; this add-on is completely free!
3. Extreme Weather Coverage
This is a BIG one! Especially during this rainy season where car insurance flood coverage would come in handy.
A basic motor insurance or takaful plan would not offer you reimbursements due to flood damage. You would need to add-on the benefit to ensure you’re protected throughout the year.
At Etiqa, you get to choose between the ‘Basic’ and ‘Extended’ plan, differing by coverage inclusions and fees as shown below.
| Flood Coverage | Basic Limited Perils | Extended Special Perils |
| Premium/ Contribution | 0.25% of sum insured | 0.50% of sum insured |
| Coverage | Damage due to floods, storms, & tempest | Damage due to floods, storms, tempest, landslides, sinking of soil, hurricane, typhoon, and other natural disasters |
If you’ve got an existing motor plan with Etiqa without flood coverage, you can add-on the benefit even if you’re halfway through your plan! This option was recently made available to accommodate the current weather conditions.
Email getonline@etiqa.com.my to get fee calculations and upgrade your coverage.
4. Cost of Replacement
At Etiqa, this benefit is specifically tailored for people with smart keys or car seats.
In the event that you need to replace your vehicle’s smart key due to loss, damage or theft, you will be reimbursed for the replacement up to RM3,000.
Chauffeur to your kids? A car seat is crucial and a definite must-have. With this benefit in your coverage plan, you will be entitled to a coverage of up to RM500, valid for repairs or replacements.
5. Oto360 – Personal Accident Coverage
To put it simply, the Oto360 is your basic plan’s best friend. It’s an all-inclusive coverage plan that’s enhanced to provide everything you need in the event of an accident. Is this for everyone? Yes! Accidents are unexpected and this is one of the best ways to prepare for it.
Here are some benefits that come with this car insurance add-on:
- Unlimited free towing available 24/7
- Cash allowance of RM500 paid within 24 hours of an accident
- Up to RM1,000 for medical expenses
- Up to RM50,000 payout for the driver and any passenger in the event of permanent disability or demise.
Car Insurance Add-Ons Are They Worth It?
Yes! No matter where you’re driving, there’s always an unforeseen circumstance looming in the distance. But that does not mean you need every single car insurance add-on.
If you live in an area that’s prone to heavy rains and flooding, get the extreme weather coverage add-on. Or if you frequently drive long distance, go the extra mile by getting the personal accident coverage add-on, where towing worries and medical expenses can take the back seat.
So, customise your motor insurance plan today!
The information contained in this blog is provided for informational purposes only, and should not be construed as advice on any matter. Etiqa accepts no responsibility for loss which may arise from reliance on information contained in the article. This information is correct as of 21st February 2022
