Lonpac Insurance Bhd

Lonpac Insurance Bhd (Lonpac), a leading insurance company in Malaysia, was incorporated in 1994 and commenced general insurance business operation after a rationalization scheme in 1999. The company has a share capital of RM200,000,000 and operates through 21 branches in Malaysia.
  

Lonpac Auto Insurance

Lonpac provides two standard auto insurance policies for its customers. They are:

• Private Car Secure - Comprehensive
• Private Car Secure - Third Party, Fire & Theft

 
Private Car Secure - Comprehensive

Private Car Secure – Comprehensive policy provides comprehensive protection for you and your car. The policy protects policyholders against legal liabilities to third parties for injury or death, damage to third parties' properties, and accidental or fire damage as well as theft of the vehicle.

 
Policy Coverage/Benefits
 
Private Car Secure - Comprehensive policy protects policyholders against the following liabilities:

• Loss or damage to your car as a result of accidental fire and theft
• Liability to third parties for bodily injury
• Liability to the third party in case of death
• Liability to third party's property loss or damage.

The additional benefits of this policy include:

• Transportation allowance
• Reimbursement of incurred sum for windscreen after repair
• Reimbursement of incurred sum for windows and sunroof after repair
• Impact damage cover caused by falling objects due to natural occurrences
• Special waiver of named driver requirement under compulsory excess
• Allowance for document replacement in the event of Smash and Grab while in the car

Optional Add-ons benefits that you may wish to buy by paying extra fees:

• Damage of glass in windscreen, window or sunroof
• Compensation for Assessed Repair Time
• Passenger liability cover
• Current year No Claim Discount relief.
• Strike, insurgence, and civil unrest
• Vehicle accessories
• Damage arising from natural disasters such as flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, etc.
• e-Hailing
• Betterment Buyback

 
Private Car Secure -Third Party, Fire & Theft

Private Car Secure -Third Party, Fire & Theft policy protects you against damages to third parties for injury or death. The policy also protects you against damage to third parties' property and accidental or fire damage or theft of your vehicle.

 
Policy Coverage/Benefits
 
Lonpac Insurance Third Party Fire and Theft (Private Car) Insurance Policy protects policyholders against the following liabilities:

• Loss or damage to your car as a result of accidental fire
• Loss or damage to your car as a result of accidental theft.
• Liability to the third party for bodily injury
• Liability to the third party in case of death
• Liability to third party's property loss or damage.

Optional Add-ons benefits that you may wish to buy by paying extra fees

• Passenger liability cover
• Legal Liability of Passengers Act of Negligent

 
How Much Is The Cost Implication? 

The premium you have to pay for both policies vary. Premiums depend on several factors such as your vehicle profile (that is, the sum insured, make & model, cubic capacity of your car), your profile (e.g., driving experience, age), no-claim-discount (NCD) entitlement, optional benefits required, and the company underwriting requirements.