5 Key Things to Check in Your Motor Insurance Schedule
Most drivers renew their car insurance and file the document away without reading it.
However, your insurance schedule outlines exactly what you’re covered for, and small mistakes at renewal can cause big problems later.
Here are five keys things to check when you read your insurance schedule:
1. Your Sum Insured
This the maximum amount your insurer will pay if your car is declared a total loss (due to theft or severe accident)
Make sure:
It reflects your car’s current market value
It’s not too high (overpaying premium)
It’s not too low (risk of under-compensation)
2. Excess (How Much You Pay First)
Excess is the amount you pay first out-of-pocket before the insurer covers the rest.
There are different types:
Compulsory excess (based on age or driving experience)
Check:
How much your excess is
Are there multiple excess clauses?
When it applies
A low premium sometimes comes with a higher excess.
3. Endorsements (Special Conditions)
Endorsements are additional terms or modifications attached to your policy.
They may:
Restrict who can drive your car
Add special clauses/exclusions
Always review these carefully as they can affect claims approval.
4. Add-ons & Optional Benefits
Ensure any optional benefits you selected are clearly listed, such as:
Windscreen coverage
Special perils (flood)
Passenger personal accident
24/7 roadside assistance
Betterment waiver
If it’s not listed on your schedule, it’s not covered.
5. Policy Period & Named Drivers
Always confirm:
Policy start and end dates
Vehicle registration and engine number
Name driver details (if applicable)
Even small errors in vehicle details can cause claim delays.
Make Your Renewal Work Harder for You
If you’re renewing soon, this is also a good time to maximise your benefits.
Renew between 6 to 28 February 2026 and you’ll automatically be entered into the Renew & Huat Lucky Draw to stand a chance to win RM8,888. It’s ending soon, so don’t miss your chance while you still have time.
On top of that, Policystreet offers Free Road Tax (capped at RM90) for renewals made from the 25th until the end of the month.
A quick schedule check today could mean better protection and extra savings tomorrow.
Final Reminder
Your motor policy determines how much you’re protected, not just how much you paid. Take a few minutes to review your insurance schedule now, so it doesn’t surprise you when you need it most.
