Overview

Motor insurance is a compulsory class of insurance for all vehicles licensed to be used on public roads, as per the Road Transport Act 1987.  Motor Insurance is a Tariff class and is governed by the rules and regulations stipulated in the Motor Tariff issued by Persatuan Insuran Am Malaysia (PIAM).

Type Of Risks:

• Private Vehicle - Car, Van, Four Wheel Drive Vehicle
• Commercial Vehicle - Goods Carrying Vehicle with A or C permit, Other special type like Mobile Crone, Troctor Tanah etc
• Driver & Passanger's Personal Accident

Types of coverage available are:

a) Comprehensive Cover

The policy will indemnify you if your vehicle is damaged or lost in the following circumstances :-

• by accidental collision or overturning
• by collision or overturning caused by mechanical breakdown or consequent upon wear and tear.
• by impact damage caused by falling objects provided no convulsion of nature is involved.
• by fire explosion or lightning
• by burglary, housebreaking or theft
• by malicious act
• when in transit (including its loading and unloading) by :
  • road, rail inland waterway
  • direct sea route across the straits between the island of Penang and the mainland

Transportation of damaged vehicle of up to RM200.00 (for Private Car and Commercial Vehicle) and RM50 (for motorcycle) as towing charges to the nearest repairer or to the Insured's address will be reimbursed.

In addition, the policy will also cover the third party liability.

The common extra benefits available under comprehensive cover (subject to additional premium) are :

• Windscreen Cover
• Inclusion of Special Perils
• Strike Riot and Civil Commotion (SRCC)
• Legal Liability of Passenger (LLP)
• Additional Named Driver

b) Third Party Fire and Theft Cover

• Death or bodily injury
• Damage to third party property
• Loss or damage to the motor vehicle due to fire, explosion, lightning, housebreaking or theft

c) Third Party Cover

The policy indemnify you or your authorized driver for the amount which you or your authorized driver are legally liable to pay (including claimants' cost and expenses) for:-

• Death or bodily injury – total liability is unlimited
• Damage to third party property – total liability is limited to RM 3 million in respect of any claim or series of claims arising out of one event.