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What does auto insurance cover

Third-Party Coverage

The third party in this coverage refers to another individual involved in the event of certain unforeseen situations. This coverage policy protects third parties or other individuals from injury or death. It includes damage or loss to a third-party’s property as a result of an accident caused by your vehicle.

Third-Party Fire and Theft Coverage

Third-Party Fire and Theft Coverage is somewhat similar to the third-party coverage but this policy also includes an additional protection policy that covers vehicle damage due to fire or theft. Just like third-party insurance, this policy protects the driver from third-party claims covering property loss or damage to third-party property, bodily injury, or death caused by your vehicle.

Comprehensive Coverage

Comprehensive coverage is the most comprehensive vehicle insurance coverage policy. It offers the same coverage as third-party, theft, and fire insurance policies with the additional coverage on your own vehicle.

Add-on Additional Drivers

Cover other drivers that driving your vehicle.

Windshield Insurance

Additional premium extends the coverage to all exterior glass on a vehicle. This includes the front and rear windscreen, side window glasses, sunroof, and even the cost of any tint or security film that you have applied on the glass.

Special peril

Add-ons that cover situations like floods, landslides, storms, and more

Strike, Riot and Civil Commotion

Strike, riot, and civil commotion rarely occur in Malaysia, especially in tourist spots in the city.

How it works?
1 Select either car or motorcycle

Enter your vehicle details

2 Select the coverage and price you want

Select additional add-on coverage

3 Pay securely online

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How Do Claims Work?

Unlike other insurance comparison websites, we take the hassle out of claims for you. We know how important it is to get back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on +60182288606 or claim online. They’ll do their best to be fair and supportive.

Auto Insurance Frequently Asked Questions

  • What is comprehensive motor insurance policy?
    This policy provides insurance against damage to your own vehicle and/or your liabilities to other parties such as injury or death and damage to other parties’ property because of a motor accident.
  • How will my Auto Insurance premium be calculated?
  • What is auto Insurance Liberalisation?
    This means the price of motor insurance will no longer be based on Motor Tariff (a set of fixed price list).
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  • How do I determine the sum insured for my car?

    The sum to be insured should be based on the market value of your car. Market Value represents the value of your car with an allowance for wear and tear and/or depreciation.

  • What is the major exclusions for Comprehensive Auto Insurance?

    This policy does not cover certain losses such as:

    • Policyholder's death or bodily injury due to a motor accident;
    • Policyholder's liability against claims from passengers in your vehicle; and
    • Loss, damage or liability arising from an act of nature i.e. flood, storm or landslide.

    (Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.)

  • What is No Claim Bonus (NCB)?
    No claim bonus is a special discount given for every claim-free year.
  • What's an excess?
    Most policies include an excess, which is the amount to be paid by the policyholder in the event of a claim. There's both a compulsory excess, imposed by the insurer, and a voluntary excess. The phrase 'total excess' combines these two factors and is the amount you pay in the event of a claim.
  • What is loading?
    Loading is an additional amount that is built into the insurance cost. This amount is added to the premium to provide the cover for a ‘risky’ individual. Basically, loading covers the losses that arise from insuring an individual who is prone to a form of risk and the losses for that period are expected to be higher than anticipated.
  • Why is the No Claim Discount (NCD) quoted is different from my record?

    The NCD quoted is different if there is a claim lodged or if there is an NCD withdrawal to transfer to another car requested by the insured. Alternatively, you can also check your current NCD rate via Ncd Checker

  • What is Market Value coverage?
    Market Value is the amount based on the insurance company estimate of what your car is worth in the open market. In the event that anything happens to your car, you can only claim as much as the current market value/worth of your car model at that point of time. Generally Market Value coverage premium tends to be lower.
  • What is Agreed Value coverage?
    Agreed Value is the amount which has been agreed to between you and your insurance company. In the event that anything happens to your car, agreed value coverage can certainly provide the compensation you will receive from the insurance company if your car is written off or stolen. Generally Agreed Market coverage premium tends to be higher .
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