Compensation for Assessed Repair Time (CART) for Car Insurance

CART stands for Compensation for Assessed Repair Time. It refers to compensation for the time your vehicle needs to be repaired after an accident.

According to Bank Negara Malaysia (BNM), you can claim CART from the other party's insurance company or takaful operator if you were not at fault in the accident, as determined by the police. The compensation is based on the repair time recommended by a registered adjuster, rather than the total number of days your car stays at the workshop.

The Persatuan Insurans Am Malaysia (PIAM) also lists CART as an optional benefit that may be added to comprehensive motor insurance for an additional premium.

There are two situations to understand:

• Third-party CART claim: You may claim compensation from the other party's insurer if you were not at fault and meet the relevant requirements.
• CART add-on: If your comprehensive car insurance includes this benefit, you may be entitled to compensation under the add-on's terms. Eligibility, limits and exclusions depend on your policy.

Read more about comprehensive car insurance and why CART may appear on comprehensive insurance quotations.

The key word is assessed. CART is generally calculated using the repair time recommended by a registered adjuster, not simply the number of days your car remains at the workshop.

For example, suppose the assessed repair time is seven days and your policy provides an allowance of RM100 per day.

Your potential compensation would be RM700, subject to the applicable coverage, limits and policy terms.

The actual amount depends on whether you are making a third-party CART claim or claiming under your own CART add-on.

For more information about motor accident claims, refer to BNM's motor insurance and takaful FAQs and your insurer's policy wording and product disclosure sheet.

CART compensation can help offset the costs of getting around while your car is being repaired, such as:

• Taxi or e-hailing fares
• Public transport
• Car rental
• Other alternative transport arrangements

However, CART is not necessarily reimbursement of every expense you incur. The compensation is based on the applicable assessed repair time and policy terms.

If you depend on your car every day, you may also want to compare car insurance add-ons to see what other benefits are available.

Not necessarily. Comprehensive car insurance covers damage to your own vehicle in eligible accidents, but additional benefits such as CART may require an extra premium.

PIAM includes CART among the optional benefits that may be available with comprehensive motor insurance. You can read its guide to motor insurance coverage for an overview of the different types of cover.

Availability and benefits vary by insurer. Before purchasing, check:

• The daily compensation amount
• The maximum number of days covered
• The conditions for making a claim
• Any exclusions or limits
• Whether the benefit is included or requires an additional premium

You can compare car insurance add-ons on BJAK to check which insurers offer CART and other optional benefits.

According to Bank Negara Malaysia (BNM), you can claim CART from the other party's insurer only if you were not at fault, as determined by the police.

If you were at fault, you generally cannot claim CART from the other party's insurer. If your own car insurance policy includes a CART add-on, check with your insurer whether you are eligible to claim under its terms.

Always review your policy wording or contact your insurer to confirm your coverage.

Your No Claim Discount (NCD) treatment depends on the type of claim and the policy terms.

For example, Allianz's Private Car Policy wording states that an eligible claim under its CART endorsement will not result in an NCD deduction.

However, this should not be assumed for every insurer or every type of claim. Check your policy wording before making a claim.

To understand how your discount works, visit BJAK's NCD Checker and read more about comprehensive car insurance.

CART may be useful if:

• You rely on your car for your daily commute.
• You do not have another vehicle to use.
• You need your car to take your children or family around.
• You live somewhere with limited public transport.
• Renting a replacement car or using e-hailing would add significant costs.

If you already have access to another vehicle or convenient public transport, you may have less need for this additional benefit.

When comparing plans, consider your driving needs alongside the premium, coverage limits and other car insurance add-ons.

CART pricing varies by insurer and the coverage you choose. Depending on the plan, the daily allowance and maximum number of covered days may differ.

When comparing prices, look beyond the additional premium. Check the total potential allowance, covered repair days, exclusions and claim conditions.

You can compare car insurance quotes on BJAK and review the available add-ons before choosing a policy.

If you want CART protection under your own policy, start by comparing comprehensive car insurance plans and checking which insurers offer the add-on.

On BJAK, you can compare quotes and review available benefits before choosing your policy.

1. Visit the BJAK car insurance quote page.
2. Enter your vehicle details to compare available plans.
3. Review the coverage and available add-ons, including CART where offered.
4. Check the daily allowance, covered days, premium and exclusions.
5. Review the policy terms before completing your purchase.

You can also browse BJAK's car insurance learning hub to understand other types of coverage before deciding.