Motor Add-On

Premier Protect Add-on Cover

Provides additional financial assistance beyond just covering the costs of theft or vehicle repairs, ensuring that you can quickly get back on the road.

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Residential Electric Vehicle Charger Protection

Provides coverage to the loss or damage to the manufacturer's standard of your residential electric vehicle charger unit (including charging cable permanently attached to the charger) due to unforseen disasters such as natural disaster, air craft and aerial devices and other unexpected occurences.

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Special Perils Add-on Covers

Protect your vehicle against unforeseen disasters such as flash floods, storms, landslides, earthquakes, sinking of soil and other unexpected occurrences.

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Betterment Contribution Waiver

Waives the betterment charges and covers the repair cost of an accident if your car is below the age of 13 years old.

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Full Body Spray Painting

Provides an add-on coverage for your Comprehensive Motor Private Car Policy which include a full body spray painting for your entire vehicle.

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Unlimited Breakdown Towing

Provide an unlimited breakdown towing or an on-site repair to your vehicle within Malaysia.

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Premier Protect Add-on Cover

Get fully protected with Premier Protect Add-On Cover that provides financial support in the event of damage or loss of your vehicle due to natural disasters, theft, or total loss. Additionally, it offers allowances that can be used while your vehicle is being repaired, so you can continue with your daily routine without any interruption.

Don't let an accident or theft disrupt your life – extend your car insurance coverage with Premier Protect Add-On Cover today.

Benefits	Basic Plan (RM)	Pro Plan (RM)
Natural Disaster Allowance Paid due to loss or damage to the vehicle caused by natural disaster.	1,000	1,500
Theft or Total Loss Allowance Paid if the vehicle is in the category of Theft or Total Loss.	Up to 2,500	Up to 5,000
Accident Repair Allowance Compensate the days (up to 5 days) assessed by Adjuster as required to repair the vehicle due to Own Damage Claim.	40 per day	70 per day
Key Cover Reimbursement to the loss or damage of the car key(s) due to snatch theft or attempted theft, robbery or house break-in and burglary.	Up to 1,500	Up to 2,500

Any customer with a Private Car Comprehensive policy with RHB Insurance.

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Residential Electric Vehicle Charger Protection

One of the cheapest plans in the market with flexible coverage. It provides coverage to the loss or damage to the manufacturer's standard of your residential electric vehicle charger unit (including charging cable permanently attached to the charger) due to natural disaster, air craft and aerial devices or articles dropped therefrom, impact damage by motor vehicle, malicious act, water damage by flood and bursting or overflowing of water tanks, apparatus or pipes.

Benefits	Plan 1	Plan 2	Plan 3
Residential Electric Vehicle Charger Protection	5,000	10,000	15,000
Annual Premium	15	30	45

Note: Premiums shown are subject to applicable tax as imposed by the relevant authorities at any time and from time to time. No stamp duty shall be charged.

Exclusive to electric vehicle policy owner.
RHB Insurance private car policy with comprehensive coverage.

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Special Perils Add-on Covers

Protect your vehicle against unforeseen disasters such as flash floods, storms, landslides, earthquakes, sinking of soil and other unexpected occurrences. Special Perils Add-On Covers are additional coverage that will compensate you for the financial loss you might incur from such events.

Choose from either option of Full Special Perils Cover or Limited Special Perils Cover to suit your coverage and financial needs.

	Full Special Perils Cover (RM)	Limited Special Perils Cover (RM)
Vehicle Value	50,000	50,000
Coverage	100%	25% (subject to policyholder’s choosing; capped at 50%)
Sum Insured (x % of vehicle value)	50,000	12,500
Premium Rate	0.25% of sum insured	0.40% of sum insured
Annual Premium	125	50
Repair Cost for Damage Caused by the Insured Special Perils	15,000	15,000
Maximum Claims Payout for Repair Cost (subject to excess, if any)	15,000	12,500
Balance of Repair Cost to be Borne by Policyholder	0	2,500

Note:

Subject to terms and conditions of the policy
Full Special Perils Cover and Limited Special Perils Cover are referring to Endorsement 57: Inclusion of Special Perils and Special Perils (First Loss) (Non-Tariff)
Premiums shown are subject to applicable tax as imposed by the relevant authorities

Any customer with a Private Car Comprehensive policy with RHB Insurance.

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Betterment Contribution Waiver

You will not be required to contribute towards the betterment that is applied on the Own Damage claim made if your car is below the age of 13 years old. This cover is only applicable when your car is replaced with brand new original parts, and as a result of which your car is in a better condition than it was before the damage.

Note: This cover is terminated on the date your claim is settled under this benefit and reinstatement of this cover is not allowed.

Age of Vehicle (Years)	Annual Premium (RM)
	Vehicle Sum Insured RM100,000 and below	Vehicle Sum Insured Above RM100,000
5	105	175
6	105	175
7	160	175
8	160	275
9	245	275
10	245	275
11	280	300
12	280	300

Premiums shown are subject to applicable tax as imposed by the relevant authorities at any time and from time to time. Please take note that RM10 of stamp duty shall be charged.

Any customer with a Private Car Comprehensive policy with RHB Insurance.

Full Body Spray Painting

In the event of a need to request for a damage claim of your own car, a new coat of paint is usually applied to the recently repaired area of the vehicle, causing the tone of the newly applied coat of paint to be different from the existing one.

RHB Insurance now introduces a new motor add-on coverage for your Comprehensive Motor Private Car Policy, where we offer full body spray painting for your entire vehicle.

Frequently Asked Questions

Unlimited Breakdown Towing

In the event your vehicle encounters a sudden breakdown within Malaysia, our assistance provider shall perform on-site repair or provide unlimited towing facility without any towing charges to tow your car either back to your or your authorised driver’s home or to your authorised driver’s preferred workshop if on-site repair is not possible.