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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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Disclaimer
The information above is just a summary of this product. For more information on precise terms, exclusions and conditions, you may read the policy wordings, product disclosure sheet and brochure or you may send in your enquiry.

Special Perils Add-on Covers
Overview

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.

Table of Benefits
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
Eligibility

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

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Betterment Contribution Waiver
Benefits

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.

Premium Rates
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.
Eligibility

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

Full Body Spray Painting
Benefits

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
Benefits

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.

Eligibility

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