Q: What is DPPA?
DPPA is a protection that authorised drivers and passengers against unwanted expenditures arising from accidents while driving, riding, boarding or alighting in an insured vehicle, irrespective of the fault of the driver.
Q: I already have car insurance, why do I need a DPPA plan?
Car insurance only provides coverage to the vehicle, but not to the driver or its passengers. So if you or one of your passengers were seriously injured in a car accident, you will only be entitled to compensation via DPPA, and not your car insurance which only covers your car.
Q: Who is covered under my DPPA insurance plan?
Your DPPA insurance covers the policy owner (driver aged between 18 and 70 years old) and all other passengers between the ages of 3 and 70 (will vary depending on provider) based on the seating capacity as stated in your vehicle's registration card.
Q: What is special about DPPA insurance?
During nationwide public holidays or festive seasons such as Chinese New Year, Hari Raya Puasa, Deepavali, and/or Christmas, there are multiple indemnity benefits (twice or triple) payable for the insured's accidental death and permanent disablement.
Q: Do I need to nominate any DPPA insurance beneficiary?
You are encouraged to nominate one or more than one beneficiary and ensure that they are aware of this DPPA policy. In the event of your disablement or demise, your nominated beneficiary will be allowed to claim and receive the compensation as planned.
Q: Does DPPA insurance plan cover death due to natural causes and illnesses?
No, DPPA insurance plan only covers death due to road accidents.
Q: How much DPPA insurance premium do I have to pay?
Premiums are inclusive of Goods & Services Tax (GST) of 0% and subject to RM10 stamp duty. The annual premiums may vary with each additional seating capacity of private cars.
Q: What are the major exclusions of DPPA insurance?
The major exclusions under this policy include the following (list is not exhaustive and may vary between insurers):-
• War, terrorism, radiation or contamination by radioactivity
• Suicide or self-inflicted injury, pre-existing physical defect or infirmity, AIDS, pregnancy
• Professional or hazardous sports, aerial activities, underwater activities requiring breathing apparatus
• Motorcycling, member of armed forces, rescue services, police forces, aircraft crews.
Q: Can I cancel my DPPA insurance policy?
You may cancel your policy by giving 30 days written notice to your insurance company. Similarly, the insurer can also cancel your policy by giving you 30 days written notice. The earned premium can be refunded on pro-rated basis.