Recently, I had a car accident whereby I, the car owner and insurance policyholder (MSIG) had knocked the other party's car. We had decided to lodge a police report and proceed to claim the insurance.

I had submitted all the required documents for the claim to the workshop and they told me that I have to pay RM400 for the policy excess upon the car finish repaired. May I know whether am I required to pay the RM400 in this scenario? "Additional note: I have bought the add-on from MSIG, "Waiver of Compulsory Excess" in the assumption that its cover for all drivers."

Sounds like the money is for betterment. Is your car over 5 years? If so did you purchase betterment waiver? If you did not purchase the waiver and your car is over 5 years. Repairing the cars with original and new parts may require you to pay some betterment to compensate the insurance company of the driver that hits you.

You can request to use used spare parts. That way you don't need to pay betterment.

Edit: It might also be the compulsory excess. Refer to here: https://bjak.my/blog/car-insurance-compulso...cess-explained/


This post has been edited by ru40342: Nov 25 2023, 01:58 PM

most of the time need to pay.