Why Replacement Car Coverage Matters
Getting into an accident or sending your car for repairs can leave you without transport. A replacement car benefit helps you stay mobile while your vehicle is in the workshop.
This feature is especially useful if:
- You rely on your car for daily commuting
- You live in areas without reliable public transport
- Repairs will take several days to complete
What Is a Replacement Car Benefit?
A replacement car benefit is a policy feature that provides a temporary vehicle if yours is unavailable due to:
- Accident damage
- Theft
- Long-term repairs
This is usually offered under comprehensive car insurance plans.
How to Ensure Your Car Insurance Policy Includes a Replacement Car
To make sure your insurance includes this benefit:
- Choose a comprehensive policy – third-party policies do not offer this.
- Check the policy wording or ask the agent about the replacement car clause.
- Compare plans online using platforms like Bjak.my to filter those with this feature.
- Read the terms – some may only provide replacement cars under specific conditions (e.g. accident claims only).
Frequently Asked Questions
1. Is a replacement car included automatically in all policies?
No. It is usually part of comprehensive plans or available as an optional add-on.
2. Can I choose the car I get as a replacement car?
Usually not. Insurers provide a car based on availability and class, such as a compact or sedan.
3. How long can I use the replacement car?
Duration varies, but it is commonly between 5 and 14 days, depending on your insurer.
Conclusion
If you want peace of mind during unexpected car trouble, choose a car insurance policy that includes a replacement car. This way, you can stay mobile, reduce downtime, and avoid paying for costly rentals.
In addition, using comparison platforms like Bjak.my makes it easier to filter and compare insurers that offer this valuable benefit in Malaysia. By doing so, you ensure you get a plan that truly meets your needs.
Read More:
Etiqa Insurance & How To Renew
Documents Required For Car Insurance Renewal
Previous Policy Not Available, Able To Renew Your Car Insurance?
