Driver Passengers Protection Product brief Driver Passengers Protection
Driver & Passengers Protection Product brief
Driver & Passengers Protection (DPP) Based on the previous Driver & Passengers PA (DPPA), enhanced with 9 new benefits It is an Add On to the Private Car insurance policy 3 Sections of benefits o Personal Accident o Car Assistance o Special Extensions for Immediate Family members 3 Plans available Only available to comprehensive policyholders 2 DPP brief
DPP Benefits – PA section SCHEDULE OF BENEFITS o Covers driver, passengers and authorized driver in the event of a road accident while travelling in the designated private car Driver & Passengers Protection Plan A Plan B Plan C 10, 000 50, 000 100, 000 Loss or loss of use of both hands or both feet 10, 000 50, 000 100, 000 Loss of sight of both eyes 10, 000 50, 000 100, 000 Loss of use of one eye and one hand or foot 10, 000 50, 000 100, 000 Total paralysis (from the neck down) 10, 000 50, 000 100, 000 New Permanent quadriplegia (total loss of use of four limbs) 10, 000 50, 000 100, 000 New Loss or loss of use of one hand or one foot 5, 000 25, 000 50, 000 Loss of sight of one eye 5, 000 25, 000 50, 000 1, 000 (250) 2, 000 (500) 3, 000 (750) Accidental Death Permanent Total Disablement: Permanent Disablement: Medical Expenses (Alternative Medical Treatment - Sinseh or traditional treatment) Corrective Cosmetic Surgery Bereavement / Funeral Allowance 3 DPP brief o Territorial Limit – Malaysia, Singapore and Brunei (Thailand as well if motor cover is extended) o Alternative treatment- limit of RM 50 per day o Corrective Cosmetic Surgery – additional expenses incurred for surgery to face, neck, head or chest 1, 000 New 500 New o Bereavement/Funeral allowance – additional allowance given
DPP Benefits – Car section Car Assistance o Unlimited Towing – cover the cost of towing of designated vehicle to approved repairer or safe place chosen by customer in event of breakdown or accident Driver & Passengers Protection 24 Hour Emergency Towing (Call AXA Auto Assist at 1800 88 1033) Unlimited New o Car replacement allowance – daily allowance paid for own damage claims at approved repairer. Excludes windscreen, total loss or Knock for Knock (KFK) claims New o Additional Cash Payout - 20% of Sum insured or up to plan limit stated for total loss or theft claims. Pays on top of total loss or theft claim amount. New Car Replacement Allowance (Applicable for Own Damage claim, excluding Own Damage - Knock for Knock) 150 per day (Max 450) Additional Cash Payout in event of total loss or theft up to 6, 000 up to 10, 000 up to 15, 000 150 per day (Max 600) (Max 750) o Window Snatch theft – pays RM 500 in event of personal belongings stolen from “smash & grab” incident whilst driving Window Snatch Theft (Loss of Personal Belongings due to car window smash and grab) 500 Key Care Cover (Loss of Designated Vehicle key due to theft, robbery or house break-in) up to 2, 000 New 1, 000 New ATM Withdrawal Protection (Loss of money due to robbery / snatch theft) 4 DPP brief o Key Care Cover – for replacement of car keys due to theft, robbery or House break in. o ATM Withdrawal protection – loss of cash due to robbery or snatch theft within 24 hours from time of withdrawal
DPP Special extension & Premium Special Extensions for Immediate Family members whilst: boarding, alighting, driving or travelling as a passenger in any private motor car, motorcycles and/or scooters o Special coverage for immediate family members – spouse & children as a pedestrian in an accident involving any road vehicle and railway train travelling as a fare paying passenger on any railway train, Monorail, Light Rail Transit (LRT), Mass Rapid Transit (MRT), ferry, boat and/or passenger ship Annual Premium (inclusive of 6% GST) Plan A Plan B Plan C Up to 5 seats 90. 00 188. 00 284. 00 6 seats 95. 00 203. 00 311. 00 Additional Seat (above 6 seats) 8. 48 15. 90 22. 26 Annual Premium (excluding 6% GST) Plan A Plan B Plan C Up to 5 seats 84. 90 177. 36 267. 92 6 seats 89. 62 191. 51 293. 40 Additional Seat (above 6 seats) 8. 00 15. 00 21. 00 Commission 5 DPP brief 10% Stamp Duty of RM 10 will apply
Summary of DPP SCHEDULE OF BENEFITS Accidental Death Permanent Total Disablement: Loss or loss of use of both hands or both feet Loss of sight of both eyes Loss of use of one eye and one hand or foot Total paralysis (from the neck down) Permanent quadriplegia (total loss of use of four limbs) Permanent Disablement: Loss or loss of use of one hand or one foot Loss of sight of one eye Medical Expenses (Alternative Medical Treatment - Sinseh or traditional treatment) Corrective Cosmetic Surgery Bereavement / Funeral Allowance Car Assistance 24 Hour Emergency Towing Car Replacement Allowance (Applicable for Own Damage claim, excluding Own Damage - Knock for Knock) Additional Cash Payout (20% of Sum Insured in the event of total loss or theft) Window Snatch Theft Key Care Cover ATM Withdrawal Protection (Loss of money due to robbery / snatch theft) Special Extensions for Immediate Family members whilst: boarding, alighting, driving or travelling as a passenger in any private motor car, motorcycles and/or scooters as a pedestrian in an accident involving any road vehicle and railway train travelling as a fare paying passenger on any railway train, Monorail, Light Rail Transit (LRT), Mass Rapid Transit (MRT), ferry, boat and/or passenger ship 6 Driver & Passengers Protection Plan A Plan B Plan C 10, 000 50, 000 100, 000 10, 000 50, 000 100, 000 5, 000 25, 000 50, 000 1, 000 2, 000 3, 000 (250) (500) (750) 1, 000 500 Driver & Passengers Protection Unlimited 150 per day (Max 450) (Max 600) (Max 750) up to 6, 000 up to 10, 000 up to 15, 000 500 up to 2, 000 1, 000 Driver & Passengers Protection Yes Yes
Summary of DPP Additional Information Who is covered Driver & Passengers Protection Driver and Passengers Accidental bodily injury arising from named motor vehicle incident 10% Malaysia, Singapore, Brunei and Thailand (limited) Motor What is the coverage Commission Territorial Limit Line of Business Annual Premium (inclusive of 6% GST) Plan A Plan B Plan C Up to 5 seats 90. 00 188. 00 284. 00 6 seats 95. 00 203. 00 311. 00 Additional Seat (above 6 seats) 8. 48 15. 90 22. 26 • • • Who should buy? • • 7 DPP brief Those who want to protect their driver & passengers Travel out of town regularly Do not want to incur additional travelling cost when their car is being repaired Customers who need additional cash to pay downpayment for new car in event of total loss or theft Want to protect more than just the damage to the car
Frequently Asked Questions 1. What is the age limit for DPP? Age 17 to 75 years old 3. Can DPP be extended as well when the period of insurance for motor policy is being extended? Yes, DPP can be extended and premium will be charged on pro-rate basis 4. Can customers engage their own preferred towing services and claim reimbursement from AXA? No. Customers MUST call AXA Auto Assist at 1800 88 1033 for unlimited towing 5. Is toll charges covered under the Unlimited Towing benefit? No, toll charges are borne by policyholder 6. Who is covered for Window Snatch Theft and ATM Withdrawal Protection under the DPP? Only the policyholder is covered for these benefits 7. When do we pay the Additional Cash Payout of 20% under DPP? Additional Cash Payout will be paid together with Total Loss / Theft payment 8 DPP brief
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