1. What does betterment mean?

If new original parts are used to repair Your Car and as a result of which Your Car is in a better condition than it was before the damage, You would be required to contribute to its betterment, a proportion of the costs of such new original parts. Your contribution would be according to the following scale:

2. What does agreed value mean?

Agreed Value is the maximum amount that insurance will pay for Your Car, less any Excess (if applicable) if Your Car is stolen or totally destroyed. The Market Value of Your Car at the time of the loss will not be taken into account.

3. What is covered under limited special perils?

Loss or damage caused by flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil / earth or other convulsions of nature, where claim amount is limited only to RM20,000.

4. How do I claim special perils

Lodge a police complaint. Then, submit the police report and repair invoice to insurance company. Claim Advisor in JAECOO’s Authorized Body & Paint Centre will assist to submit the documents

5. Can Accident Inconvenience Allowance be claimed for repair due to natural disaster and how to claim it?

• Yes, customer is entitled to claim Accident Inconvenience Allowance up to 5 days under own damage, subject to adjustor's report for natural disaster.
• Customer needs to fill up their bank details in the claim form when sending in their car to the JAECOO Body & Paint centre. The insurance company will then bank in the approved allowance amount based on accounts detail given by customer.

6. Accident Inconvenience Allowance of RM100/day for 5 days is for each policy period or each damage?

The cover is limited to one (1) occurrence in each Period of Insurance and no reinstatement of coverage is allowed.

7. Can I claim Accident Inconvenience Allowance if my car breaks down?

No, Inconvenience Allowance is only for accident insurance claim.

8. Does the 5 days for Inconvenience Allowance includes waiting period for insurance approval and parts arrival?

No, Insurance will pay You an allowance of RM100 per day for the repair period recommended by Adjuster up to a maximum of five (5) days. They will not pay any amount which exceeds the repair period recommended by Adjuster even if the actual repair work takes a longer period to complete. If the repair work is completed sooner than expected, they will only pay You the actual number of days required to complete the repair work.

9. Are the window glasses covered under windscreen coverage?

Yes, windscreen, window or sunroof glass of the car is covered under windscreen coverage. If Your claim is for the damaged glass only and no other damage, Insurance will not deduct any Excess, and You will not lose Your No Claim Discount entitlement.

10. How many times can I claim windscreen coverage per policy period?

If the damaged glass is replaced, the cover provided by the policy comes to an end as soon as the glass is replaced. If You wish to enjoy continued coverage, You can reinstate the benefit for an additional premium.

11. Does PA cover the car owner alone or any driver? Are the passengers covered under this benefit?

PA covers the car owner and any authorized driver as well as the passengers. In the event of the driver or passengers demise before payment is effected, payment of benefits will be made to their legal personal representatives provided such legal personal representatives comply with all the terms and conditions.

12. As a J-PPP customer, I'm entitled for free towing across Malaysia, however, do I have to pay the toll fee?

Yes, customer has to pay the toll fee and miscellaneous charges.

13. If my car met with accident in Thailand, Brunei or Singapore, do I have to bear the towing fee to Malaysia border?

Yes, customer must bear the towing fee up to the border. Once reached Malaysia’s border, the towing fee will be free (excluding the toll fee and miscellaneous charges).

14. Do I need to lodge police complaint to claim Car Break-In Allowance? What does this benefit cover?

Yes, an official police complaint is needed to claim this benefit. This benefit covers loss of personal valuables such as - Smart Tag, Touch n Go card, national registration identity card (“NRIC”), driver’s licence, credit cards or charge cards, access cards, eye glasses, personal electronic devices (such as mobile phone, power bank, tablet, laptop, camera), wallet, handbag, purse, keys (except keys to Your Car) and shoes

15. How many times can I claim Car Break-In Allowance per policy period?

The cover is limited to one (1) occurrence in each Period of Insurance. Insurance will not be deducting any Excess and You will not lose Your NCD entitlement and reinstatement of this cover is not allowed