When it’s time to renew car insurance, most people just tick the same old boxes. Basic plan, done. But here’s the thing: additional car insurance coverage exists for a reason, and sometimes it can save you from a nasty bill later on. The tricky bit? Knowing what’s worth paying for and what’s basically money down the drain. A lot of drivers either overbuy or miss out on the cover that could have saved them.
Why Bother With Extra Coverage?
- Cars aren’t cheap to fix anymore — sensors, LED lights, all that tech adds up.
- Flooding in Malaysia isn’t rare; a basic plan won’t cover that mess.
- Accessories like rims or sound systems are theft magnets.
- Having backup means less stress when things go sideways.
- If your car’s still new, it’s silly not to protect the value.
Common Add-Ons You’ll See
| Add-On Coverage | Covers What? | Best Suited For |
| Windscreen | Cracked or broken glass | Pretty much everyone |
| Flood & Natural Disaster | Water, landslides, storms | People in flood-prone areas |
| Accessories | Rims, audio system, spoilers | Owners who mod their cars |
| Driver & Passenger | Injury or death payouts | Families or carpool drivers |
| Towing & Road Assist | Free tow, jump-starts, flat tires | Long-distance drivers |
Quick Steps to Pick Wisely
- Think about your daily risks — floods? long trips?
- Compare prices; don’t stick to one insurer.
- Consider your car’s age. Old cars don’t need everything.
- Check the fine print, not just the fancy name.
- Prioritize stuff you’ll actually use.
- Keep add-ons within 10–15% of your premium.
- Still unsure? Ask an agent or use JPJ/MyEG/Bjak for clarity.
Wrapping It Up
Not every add-on is a must-have. But if you match them to your lifestyle and budget, the right additional car insurance coverage will feel like money well spent. Skip the noise, cover the essentials, and you’ll thank yourself when the unexpected hits.
Read More:
Guide to Car Insurance Policy Terms & Conditions
