Introduction
CART (Compensation for Assessed Repair Time) provides daily compensation when your car is in the workshop for repairs. Many drivers are puzzled why the CART option only appears when requesting a comprehensive insurance quotation on BJAK, even if they have third-party insurance. This article explains why CART is exclusive to comprehensive insurance, how it works, and tips for managing claims wisely.
1. What Is CART
- CART is a daily payment for the time your car spends in the workshop after an accident.
- Its purpose is to reduce driver loss due to the car being unavailable.
- On BJAK, CART appears as an optional add-on in comprehensive quotations.
2. Why It Only Appears on Comprehensive Insurance
- Comprehensive covers own-damage: CART is only relevant when the policy covers damage to your own car.
- Third-party doesn’t cover own-damage: 3rd party insurance only pays for damage to others, so CART is irrelevant for those quotations.
- Insurer control: CART is managed as an add-on for comprehensive insurance to ensure daily payments are calculated based on car type and repair duration.
3. What This Means for Drivers
- If you choose comprehensive on BJAK, you can add CART for extra protection.
- If you use 3rd party, CART can only be claimed when the third party is at fault, through the third-party claim procedure, not as an add-on.
- Understanding this difference prevents confusion when purchasing a policy or making a claim.
4. Smart Tips for Using CART
- Check your BJAK quotation to ensure CART is included in your plan.
- Estimate the expected number of repair days to maximize CART payments.
- Do not use your own OD claim if you are not at fault, as it may affect your NCD.
- Consult BJAK panel workshops for confirmation of repair duration.
Conclusion
CART is an additional protection that only appears on BJAK comprehensive insurance quotations because it relates to own-damage coverage. Understanding this mechanism helps drivers make informed choices, avoid confusion during claims, and ensure they receive proper daily compensation while their car is in the workshop.
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