Legal Liability to Passengers (LLP) and Legal Liability of Passengers (LLOP) are two important terms often confused by many car owners in liability coverage. Liability insurance plays a crucial part in safeguarding both drivers and passengers in the event of unforeseen circumstances.
Although LLP and LLOP sound similar, the two vary greatly in their roles and significance both drivers and passengers. We’ve covered the basics of liability coverage in our previous blog post. In this article, we will address some of the frequently asked questions (FAQs) about LLP and LLOP in car insurance.
What is the difference between LLP and LLOP?
Legal Liability to Passengers (LLP) refers to coverage that protects the policyholder (the driver) against legal liabilities arising from injuries or damages sustained by passengers during an accident while Legal Liability of Passengers (LLOP), is another type of liability coverage that protects the vehicle owner from legal liability taken by a third party for negligence committed by their passengers.
Do I need LLP and LLOP coverage to drive in Malaysia?
No, LLP and LLOP coverage are not mandatory to drive in Malaysia. However, these are ideal add-ons to have, as they offer comprehensive coverage and benefits wherever you travel, despite a slight increment to your motor insurance premium.
How much does LLP and LLOP coverage cost?
Insurers charge different amounts for LLP and LLOP for private vehicles. The annual premium for LLP coverage is usually 25% of the premium for a basic third-party insurance policy. Meanwhile, the annual premium for LLOP is RM7.50 per annum per vehicle. Nonetheless, premiums may vary depending on the insurance company and the type of insurance you have.
Can I drive outside of Malaysia without LLP/LLOP coverage?
No, you should have LLP or LLOP coverage to drive in neighbouring countries like Singapore. The traffic law in Singapore mandates foreign vehicles to have LLP and LLOP in order to enter the country. So, you must get covered before driving into Singapore.
Is LLP/LLOP included in the basic car coverage?
No, LLP and LLOP are not included in the basic car coverage. These coverage are usually offered as optional add-ons that vehicle owners must purchase by paying additional premiums, should they need the coverage.
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