 Legal liabilities to Passengers, commonly refers to as LLNP or LLTP. It is an extra coverage that you can take up with extra premium, whereby it covers you against legal liabilities sought by your passengers against you in an event of an accident due to your negligent.
 CART means a reasonable amount payable by third party insurance companies as compensation for loss of use of vehicle. When your vehicle is involved in an accident, where you are not at fault and you are claiming against another party insurance. You may be inconvenienced without your vehicle. So, in such case, you can claim for CART as you are not the party at fault in the accident.
 Betterment is a portion of cost you have to bear when your damaged parts are replaced with brand new, original part. In this case, you car appears to be in a better condition prior to accident. In fact, it is against the insurance principle of indemnity. Insurance is intended to indemnify your loss, and no profit should be obtainable. But, in the case of repair where old parts (damaged) are replaced with new parts, the car owner actually benefits.
 Even if you have carefully planned your trip or your itinerary, there will still be problems and troubles that may arise. So, you have to be realistic and prepared in everything you do. You need to invest on travel insurance not because it is a practical and smart thing to do but it is the right thing to do. What are you going to do if things don’t turn out your way? Who will take care of your needs? Are you willing to compromise your entire trip just because there were some glitches before your flight?
 You may have noticed in some of our quotation that the proposed sum insured are stated as Agreed Value. While there are time it is based on Market Value. So, what actually is the difference between Agreed Value and Market Value? And which value should you insured your vehicle for?
 Thunder storms, heavy rain and low laying areas around Klang Valley frequently lead to flash flood and turns open car parks and basement into swimming pools. Despite the SMART tunnel, sudden heavy rain fall will quickly leads to river bank overflows, resulting in flash flood that comes and subside. It may come and go within hours, but it will leave behind rows and rows of strangled vehicles.
 Excess refers to the amount that you are require to pay as per the policy terms & conditions in respect of each and every claim payable (including cost and expenditure incurred by the insurance company to conduct, defense and settlement of any claim for the loss or damage to your vehicle, and damage to third party resulted from the accident arising out of the use of your vehicle for liability to third parties), in addition to any other excess that may be applicable. For example, the excess of your policy is RM100 and the total claim amount is RM2,000. Your car insurance company will pay out RM1,900 for the claim while you have to pay the remaining RM100.
 No Claim Discount, commonly referred as NCD is a vital part of your car Insurance. The amount of your insurance premium payable or saving is dependent on your NCD entitlement. As the name suggest, this no claim discount is extended to you when you do not make any claim toward your insurance during the in force period. Thus, when you renew your insurance for the next 12 month period, you are entitled to this no claim discount (NCD).
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