{"id":33225,"date":"2022-07-06T17:03:06","date_gmt":"2022-07-06T09:03:06","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=33225"},"modified":"2022-07-06T17:04:50","modified_gmt":"2022-07-06T09:04:50","slug":"5-situations-your-car-insurance-policy-wont-cover","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/5-situations-your-car-insurance-policy-wont-cover","title":{"rendered":"5 Situations Your Car Insurance Policy Won&#8217;t Cover"},"content":{"rendered":"\n<p><a href=\"https:\/\/piam.org.my\/motor-insurance\/\">Car insurance<\/a> is meant to help you financially should you run into an untoward event. However, note that not all car insurance policies will allow you to file a claim in every circumstance. Your coverage will vary depending on the <a href=\"https:\/\/bjak.my\/blog\/types-of-car-insurance-policies\/\">type of car insurance policy<\/a> that you purchase.<\/p>\n\n\n\n<p>What are the situations that insurance companies and Takaful operators do not cover? Read on as we break down the details for you.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69e358f0b70b2\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69e358f0b70b2\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-situations-your-car-insurance-policy-wont-cover\/#Situations_not_covered_by_car_insurance_policy\" title=\"Situations not covered by car insurance policy\">Situations not covered by car insurance policy<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-situations-your-car-insurance-policy-wont-cover\/#Damage_due_to_natural_disasters\" title=\"Damage due to natural disasters\">Damage due to natural disasters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-situations-your-car-insurance-policy-wont-cover\/#Total_loss\" title=\"Total loss\">Total loss<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-situations-your-car-insurance-policy-wont-cover\/#Injuries_or_death\" title=\"Injuries or death\">Injuries or death<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-situations-your-car-insurance-policy-wont-cover\/#Damage_due_to_riots\" title=\"Damage due to riots\">Damage due to riots<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-situations-your-car-insurance-policy-wont-cover\/#Car_accessories_theft\" title=\"Car accessories theft\">Car accessories theft<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/5-situations-your-car-insurance-policy-wont-cover\/#Understand_your_car_insurance_policy\" title=\"Understand your car insurance policy \">Understand your car insurance policy <\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Situations_not_covered_by_car_insurance_policy\"><\/span>Situations not covered by car insurance policy<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The followings are the type of situations that are not entitled for insurance claim:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Damage_due_to_natural_disasters\"><\/span>Damage due to natural disasters<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"30334\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/attachment\/2022-05-11-15-21-56-16\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"2022-05-11-15.21.56-16\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kereta rosak akibat bencana alam\" class=\"wp-image-30334\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.21.56-16.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>The insurance providers do not cover damage against natural disasters. You need to <strong>purchase <a href=\"https:\/\/bjak.my\/blog\/car-insurance-add-on-special-perils-cover\/\">additional special perils coverage<\/a> when renewing comprehensive insurance<\/strong>.<\/p>\n\n\n\n<p>Special perils coverage is additional coverage for car damage caused by natural disasters. Examples are <strong>floods<\/strong>, <strong>storms<\/strong>, <strong>landslides<\/strong>, or <strong>fallen trees<\/strong>, depending on your plan.<\/p>\n\n\n\n<p>The premium usually will take up about 0.5% of the sum insured. However, the amount will vary across insurance companies and Takaful operators.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Total_loss\"><\/span>Total loss<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"30336\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/attachment\/2022-05-11-15-22-00-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"2022-05-11-15.22.00-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kereta total lost\" class=\"wp-image-30336\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.00-2.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>A car is considered a <a href=\"https:\/\/bjak.my\/blog\/what-does-it-mean-when-your-car-is-a-total-loss\/\">total loss<\/a> if the damage is beyond repair.<\/p>\n\n\n\n<p>Say if you cause an accident that causes your vehicle to suffer total damage, your insurer&nbsp;will&nbsp;not&nbsp;pay the&nbsp;balance&nbsp;of&nbsp;your car loan.<\/p>\n\n\n\n<p>They will only pay compensation for the value of your car at market price. The amount is usually lower than the loan balance. This is due to the vehicle depreciation rate factor as well as the interest rate charged by the bank.<\/p>\n\n\n\n<p><em>*Note: This case applies to those who buy cars using bank loans.<\/em><\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Injuries_or_death\"><\/span>Injuries or death<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"30337\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/attachment\/2022-05-11-15-22-12-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"2022-05-11-15.22.12-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kecederaan atau kematian diri sendiri akibat kemalangan\" class=\"wp-image-30337\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.12-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Injured or died due to road crashes?<\/p>\n\n\n\n<p>To your knowledge, car insurance does not offer to cover your injuries or deaths caused by road accidents. It only covers the third party&#8217;s injury or death. However, what if you are not the party at fault for causing the accident? Do not worry because the third party will compensate you using their policy.<\/p>\n\n\n\n<p>Some insurance plans offer <a href=\"https:\/\/bjak.my\/blog\/do-you-need-personal-accident-insurance\/\">personal accident coverage<\/a> like Takaful Ikhlas. On the other hand, you may also consider purchasing medical insurance to cover your treatment bills at the hospital as an alternative.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Damage_due_to_riots\"><\/span>Damage due to riots<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"30338\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/attachment\/2022-05-11-15-22-17-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"2022-05-11-15.22.17-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kereta rosak akibat rusuhan\" class=\"wp-image-30338\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.17-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Most insurance policies will cover damages caused neither by riots nor commotions.<\/p>\n\n\n\n<p>You may opt to purchase additional <a href=\"https:\/\/bjak.my\/blog\/can-you-claim-insurance-for-riot-related-damage-to-your-car\/#Additional_Strikes_Riot_and_Civil_Commotion_SRCC_coverage\">Strikes, Riot, and Civil Commotion (S.R.C.C)<\/a> add-on coverage on top of your comprehensive coverage. The premium usually will take up around 0.3% of the insured sum.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Car_accessories_theft\"><\/span>Car accessories theft<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"30339\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-situasi-ini-tidak-dilindungi-insurans-kereta\/attachment\/2022-05-11-15-22-27-1\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"2022-05-11-15.22.27-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kehilangan aksesori kereta\" class=\"wp-image-30339\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/05\/2022-05-11-15.22.27-1.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Unfortunately, you cannot claim insurance for lost car accessories. The insurer will not compensate you for the loss or damage of the accessories involved.<\/p>\n\n\n\n<p>However, you may only claim if you have insured the accessories when you renew your insurance with a comprehensive plan.<\/p>\n\n\n\n<p>Car enthusiasts who love to upgrade their car accessories are recommended to purchase <a href=\"https:\/\/bjak.my\/blog\/car-accessories-theft-can-you-claim-insurance\/\">additional car accessories coverage<\/a>. The premium for this additional coverage is 15% of the total accessories covered.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Understand_your_car_insurance_policy\"><\/span>Understand your car insurance policy <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Having yourself armed with the knowledge of insurance can help you understand possible confusion in the future. Avoid being complacent, and get adequate protection for your vehicle.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><em><em><strong><em>Bjak is one of Malaysia\u2019s largest car insurance comparison sites. Get&nbsp;<a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">free quotes<\/a>&nbsp;at Bjak and&nbsp;<a href=\"https:\/\/bjak.my\/blog\/how-to-renew-car-insurance\/#Renew_car_insurance_online_through_insurance_comparison_sites\">renew car insurance<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/bjak.my\/blog\/how-to-renew-roadtax-bjak-myeg-mysikap-jpj\/#Renew_roadtax_online_at_Bjak\">road tax<\/a>&nbsp;online in just 5 minutes.<\/em><\/strong><\/em><\/em><\/em><\/p>\n\n\n\n<p><strong>Also read:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/additional-coverages-for-car-insurance\/\">Additional Coverages For Car Insurance<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-accessories-theft-can-you-claim-insurance\/\">Car Accessories Theft: Can You Claim Insurance?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/can-you-claim-insurance-for-riot-related-damage-to-your-car\/#Additional_Strikes_Riot_and_Civil_Commotion_SRCC_coverage\">Can You Claim Insurance for Riot-Related Damage to Your Car?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/what-does-it-mean-when-your-car-is-a-total-loss\/\">What Does It Mean When Your Car Is a Total Loss?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-add-on-special-perils-cover\/\">Car Insurance Add-On: Special Perils Cover<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Learn what are the types of situations that are not covered by car insurance companies in this article.<\/p>\n","protected":false},"author":7,"featured_media":33266,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59,1073],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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