Q on driver not named in schedule.

1. As long as they are qualified, I'll just need to pay RM400 excess for damage to my car, right?

2. If i don't claim damage on my car but only have to pay compensation to the other party (say, hit a pedestrian), will it matter if the driver is not named in my policy schedule?

3. If there is a new driver (probation period), I don't have to bother including her name in my policy, right? Afterall, still kena pay the RM400 excess.

4. Is it the same situation if my car is driven by a workshop worker (say, tyre alignment or normal test drive after repairs)?

Thank you for your clarification. Didn't realise a trade plate is required in Q4 to claim from workshop insurance. I wonder if any independent workshop has trade plates.

In this case, what happens to the arrangement with the first workshop to fix his bumper, since he kena hit again before fixing the bumper damaged in the first accident?
Will the insurance company from 2nd car dispute the quantum claimed since the bumper was already damaged in first accident?

Thanks for the answer. Another thing, what kind of proof of notification should we keep? Emails?

Thank you once again. Much appreciated.

loui and others,
Is there any disadvantage/downside to switching insurance company frequently? For example, if you're "loyal", the renewal will be cheaper (for no claim history, or even after you claimed this year).

Asking because my car is due for 3rd renewal, first and second years are insured by different companies.
For this coming 3rd renewal, Allianz is quoting RM100 less premium for the same insured value, and Tokio Marine is quoting RM50 more but for RM3k higher insured value - compared to existing MSIG.

Thank you for your reply. Been googling but there's not much info.

Sifus,
My insurance expires in August this year. I've just renewed with another company (thanks to loui for clarifying) with 55% ncd factored in.
Wanna ask, if I kena accident and it's my fault (saman by polis), or I self-langgar and claim own insurance, say next week,

1. will the new insurance company forfeit my ncd discount amount in ringgit and ask me to top up the difference for the new policy?

2. If answer is "no" to Q1, what if I renewed with the same insurance company? Will they ask me to top up, since they know I have a claim coming?

TQ for clarifying.

1. Another question wrt the same scenario in earlier question: since now I have a claim case pending, will the new policy be more expensive overall or I just need to make up gor the ncd part?

Example of my new policy, basic premium RM1000 before less 55% ncd.
Will the new insurance ask me to top up just the RM550 (and the resultant SST), or my base premium will be adjusted (no longer RM1000) upwards since I'm considered more risky driver?

2. Is there any benefit of renewing policy ASAP, savings wise?

Thank you for explaining. Much appreciated.

This is regarding the "open file for possible future claims".
Say the 3rd party has filed injury claim. My ncd drops to zero.

Q1. Is 3rd party allowed to file another new claim within 6 years, since some symptoms only manifest later?

Q2: when will my ncd start to build up again, if it's yes to Q1?

Q1. Regarding the post you replied too, if my car is illegally parked and is hit by another vehicle, will I be able to claim the other party's insurance?

Q2. Will IO automatically assume I am guilty because of illegal parking, and issue me RM300 compound for the accident?

loui, I'm thinking about adding riot coverage.

1) In a minor accident, if the other party or bystanders get agitated and go on to damage my car (break windscreen, dent doors with helmets, etc) will I be able to claim if I don't have riot coverage? It's obvious the damage is not from the accident itself.

If windscreen is damaged as a result of the "riot" above,
2a) do I claim under riot (if I have riot coverage), or under windscreen coverage?

2b) if I have only windscreen coverage but don't have riot coverage, will I be able to claim windscreen under windscreen coverage, or they will reject since damage is caused by riot?

3) is vandalism covered by riot coverage? Say I park my car and it's damaged by unknown people but there's no report of riots or demonstration in that area.

Edit:
4) will i lose ncd if I claim under riot?

This post has been edited by mushigen: Jul 27 2022, 10:59 AM

Thank you so much for your explanation. Very much appreciated.