It is the time of year again when joy and cheer are spread through the spirit of giving. As we approach the year-end festive season where most would get lost in either buying presents, preparing for holidays, or wrapping up at work, it is easy to get lost in the hustle and bustle of the holiday spirit and overlook potential risks that may befall us.
Like it or not, the holiday season comes with extra risks that include theft or even natural disasters like unexpected fires or floods. Christmas carols will not be sung in the same happy tune if we end up becoming victims of such perils just because we failed to take simple proactive preventive measures.
So, to avoid having presents stolen from cars or burnt to a crisp, here are some tips by Liberty Insurance on the types of coverage needed to enjoy the most wonderful time of the year.
- Light up the Christmas tree and not the car
There is no telling when a motor vehicle will go up in smoke as fires can be caused by anything from fuel leaks, engine overheating or even an accident on the road. Some vehicle owners who fail to meet their regular maintenance checks may also be at a bigger risk of their vehicle catching fire. With Liberty Insurance Private Car EZY Plus Comprehensive and Third Party, Fire and Theft motor insurance coverage, your vehicle is protected from fire, explosion, lightning or even fires caused by your vehicle to a third party.
- Leave cookies and milk for Santa and not for car thieves
The temptation to steal is always heightened especially when vehicle owners leave valuables visible in their car. More so during the festive season with gifts aplenty, there is a risk of vehicle break-ins to steal valuable presents, gadgets or even vehicle theft. Fortunately, with Liberty Insurance, the company offers protection against theft or break-ins and will offer claims based on the sum insured amount at the time of loss.
- Have a white Christmas instead of a wet Christmas
With the yearly monsoon season coupled with heavy rainfall, vehicles on the road are always at risk of being damaged or stuck in flood waters. Flash floods can happen anywhere and at any time, and unbeknownst to most vehicle owners, most motor insurance policies do not automatically cover natural disasters like a flood. With Liberty Insurance EZY Plus Bundle, it includes additional add-ons that cover flood allowance, warranty for workmanship repairs and even offers 24 hours unlimited mileage towing for breakdowns or if stuck in floods.
- Safe travels during the holidays
Safety on the road is the most important aspect especially when travelling with a family of young children who rely on child safety seats to keep them safe during the long drive. However, car seats can be a costly expenditure for most and if damaged in an accident or even flood, it would be an extra expenditure that most will not be able to afford on top of the other costs needed for the damaged or stolen vehicle. Fret not as with Liberty Insurance’s EZY Plus Comprehensive policy, it covers child seat replacement if the seats are damaged due to accidents, theft or flood. For a more complete coverage, the Private Car EZY Plus policy also covers key replacement if the keys are lost due to theft – up to RM500 for one key replacement.
Liberty Insurance also offers an efficient claim process with its Liberty Own Damage (OD) Express Claim that is only applicable with its Private Car EZY Plus – Comprehensive plan. Claims can be made via any smart phone and the accident must be reported within 48 hours for express claims disbursement.
For new car owners signing up for Liberty Insurance’s Zero Age New Registered Private Car Comprehensive Policy, you will stand a chance to receive a RM50 petrol e-voucher (while stocks last and subject to Liberty’s terms & conditions).
In the spirit of giving, why not give the gift of protection to your loved ones to show that their safety means the world to you. Gift the Liberty Private Car EZY Plus along with the necessary add-ons that covers fire, theft, flood and others which makes for a truly meaningful gift from the heart.
To find out more about Liberty’s Motor Insurance, visit www.libertyinsurance.com.my.
