Legal Liability of Passengers for Negligence
If your passenger accidentally causes injury or damage to another person, this car insurance add-on can protect you against the resulting legal liability.
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What is Legal Liability of Passengers for Negligence?
Legal Liability of Passengers for Negligence, often shortened to LLOP, is an optional car insurance add-on that provides cover for legal liability arising from the negligent actions of a passenger in your car.
For example, imagine your passenger opens the car door without checking and hits a passing motorcyclist. The motorcyclist could potentially make a claim for injury or damage.
Without the appropriate cover, you may have to deal with the resulting liability yourself.
The LLOP add-on is designed to provide protection for these situations, subject to the terms, conditions and exclusions of your policy.
BJAK currently lists Legal Liability of Passengers for Negligence as an available add-on across its car insurance comparison platform.
How does LLOP car insurance work?
The basic idea is:
Passenger acts negligently → someone else suffers injury or damage → passenger may face legal liability → LLOP provides cover, subject to the policy terms.
The passenger must generally meet the conditions set out in the policy. For example, the passenger must not be driving the vehicle and must comply with the relevant policy conditions.
It is different from Legal Liability to Passengers, which deals with claims made by passengers against you as the driver.
The exact wording can differ between insurers, so always check your Product Disclosure Sheet (PDS) and policy documents before purchasing.
LLOP vs Legal Liability to Passengers
These two add-ons are easy to confuse.
| Legal Liability of Passengers | Legal Liability to Passengers | |
|---|---|---|
| Who makes the claim? | A third party affected by your passenger's actions | Your passenger |
| Who is the liability related to? | Your passenger's negligence | Your liability as the driver |
| Example | Passenger opens door and injures motorcyclist | Passenger is injured in an accident and claims against you |
| Purpose | Protects against liability arising from passenger negligence | Protects you against passenger claims |
Both are available as optional car insurance add-ons from insurers listed on BJAK.
Is Legal Liability of Passengers included in comprehensive car insurance?
Not necessarily.
A comprehensive car insurance policy provides broad protection, but additional benefits and exclusions vary between policies.
Bank Negara Malaysia explains that standard motor insurance does not automatically cover all liabilities involving passengers and that additional coverage can be purchased at an extra premium.
Always check your policy schedule to see which add-ons are included.
Who should consider LLOP?
This add-on may be worth considering if:
- You regularly drive with passengers
- You often drive family members or friends
- You frequently travel with children or groups
- You drive in busy areas with pedestrians and motorcycles
- You want additional protection against passenger-related liability
If you rarely carry passengers, you may decide that the additional cover is less important for your situation.
Is LLOP worth adding to car insurance?
There is no single answer for everyone.
The cost of the add-on, your driving habits and how often you carry passengers should all be considered.
Rather than choosing car insurance based only on the cheapest premium, compare the coverage, exclusions and add-ons available with each policy.
PIAM also recommends comparing policies based on coverage and not just price.
How to get Legal Liability of Passengers for Negligence
You can compare available car insurance policies and add-ons through BJAK.
Enter your vehicle details and compare the available plans, premiums and additional coverage.
Legal Liability of Passengers for Negligence FAQs
LLOP refers to Legal Liability of Passengers for Negligence. It provides cover for legal liability arising from negligent actions by passengers in your car, subject to the policy terms.
One example is a passenger opening a car door without checking and causing an accident involving another road user.
Not necessarily. It is generally offered as an optional add-on and availability varies between insurers.
No. LLOP covers liability arising from the negligent actions of your passengers. Legal Liability to Passengers covers claims made by passengers against you.