Zurich is a popular name in the insurance world, recognised by millions. The Swiss insurance company offers countless financial products that cater to the various needs of people all over the world, including Malaysia. In fact, Zurich car insurance is one of the most sought-after insurance products in the country, as it offers both conventional and takaful options to vehicle owners.
Apart from regular auto insurance, Zurich also provides customised coverage for drivers and passengers that other brands don’t readily offer. Let us share the details of Zurich’s Z-Drive Assist that private vehicle owners can consider apart from its comprehensive insurance.
What is Z-Drive Assist?
Z-Drive Assist is a motor personal accident plan by Zurich Insurance for private vehicle owners in Malaysia. Through this product, policyholders can seek compensation for injuries, disabilities or death of any person who uses their vehicle. This includes both drivers and passengers.
As personal accident plan designers for drivers and passengers, the plan also comes with an array of additional benefits that can be purchased along with basic coverage, which includes inconvenience caused by floods.
Key benefits
- Nationwide unlimited towing & breakdown assistance
- Up to 10% discount for existing Zurich General customers via Multi-Product Discount Campaign
- Use of Zurich Courtesy Car (For Superior Plan)
- Protection for up to 5 cars in a single policy (For Superior Plan)
- Cover private vehicles insured by another insurance provider (For Superior Plan)
Basic coverage
Zurich’s Z-Drive Assist comes in two different plans, namely the Basic Plan and the Superior Plan. The differences between them are the premium amount, coverage options, and compensation offered.
The Basic Plan covers:
- Accidental Death – RM50,000 per person
- Accidental Permanent Disablement – RM50,000 per person
- Accidental Medical Expenses – RM3,000 per person
- Daily Hospital Income – RM50 per day for 30 days (max)
- Towing & Roadside Assistance Benefit
Meanwhile, the Superior Plan covers:
- Accidental Death – RM75,000 per person
- Accidental Permanent Disablement – RM75,000 per person
- Accidental Medical Expenses – RM5,000 per person
- Daily Hospital Income – RM50 per day for 30 days (max)
- Towing & Roadside Assistance Benefit
- Courtesy Car
Both plans are eligible for flood inconvenience allowance for:
- Cleaning cost of the interior parts of the car
- Accidental medical expenses within 12 months of the flood
- Compassionate allowance for accidental death
Optional coverage
For an additional premium, vehicle owners can purchase the following additional coverage:
- Snatch Theft Protect
- Personal Effects and Identification Document
- Accidental Medical Expenses
- Compassionate Allowance
2. ATM Robbery
- Loss of Cash
- Accidental Medical Expenses
- Compassionate Allowance
3. Dengue Care
- Medical Expenses due to Dengue
Is Z-Drive Assist worth it?
We recommend this auto-assist plan for car owners who need additional protection for themselves and others who use their vehicles frequently. Please note that this is a personal accident plan for drivers and passengers, which doesn’t include third-party coverage and other essential items that you would find in a regular car policy.
Hence, purchase this policy only if you are looking for additional coverage not included in a comprehensive policy, such as accidental death, passenger injuries, and loss of personal items. Also, consider your financial situation, driving habits and location before deciding whether this plan is right for you.
If you have budget constraints, evaluate your financial commitments before signing up for this, as you will have to spend more annually. This plan is worth considering if you drive frequently in an accident-prone area or live in a flood-prone place, as it will cover your needs adequately.
Check out Zurich’s official website for more information on this specific product, and for Zurich car insurance quotes, visit Bjak.my to get yours for free in under 5 minutes. Remember to follow our blog for more useful information like this.
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