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Get the best value for money and comprehensive insurance plan for your car. Receive on-the-spot savings when you renew online. Get added protection on the road with our customized add-on options at SUPER AFFORDABLE rates.
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Flood Cover (Special Perils)
Get extra protection for your car in the event of flood, landslides, typhoon, storm, earthquakes etc. Get covered Super Affordably at 0.2% of sum insured.
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This policy covers loss or damage to your own vehicle due to accidental fire, theft or accident; and third party liabilities such as death or bodily injury caused to another person and loss or damage of someone else’s property.
You can choose to purchase add-on benefits such as cover for Windscreen Damage, Passenger Liability, and Special Perils such as flood, windstorm, rainstorm, typhoon, hurricane, volcanic eruption, earthquake, landslide, and subsidence, strike, riot and civil commotion.
Note: The above optional benefits are for Private Car only. It is an offence under the laws of the Republic of Singapore to enter the country without extending passenger liability cover to your motor insurance.
Duration of the coverage is for one year. You need to renew your insurance policy annually. It is advisable to tally the coverage period of the insurance with your road tax.Edit
The total premium that you have to pay may vary depending on the No Claim Discount (NCD) entitlement, optional benefits selected and the underwriting requirements of the insurance company. This sum insured would be based on the current market value of your vehicle according to ISM Automotive Business Intelligence System (ISM-ABI).
Additional to the premium, you will need to pay GST 6% of the total premium and stamp duty of RM10.00.
• Importance of Disclosure
You must disclose all material facts such as previous accidents and modification to engines. Failure to do so may lead to the cancellation of your policy.
• Sum Insured
You must ensure that your vehicle is insured adequately.
• The Excess
Compulsory Excess and Other Excess is the amount that you are required to pay in the event of a claim.
• Cash Before Cover
The premium due must be paid and received by Insurance Company before the cover commences. The insurance is automatically null and void if this condition is not complied with.
• Change of Risk Details
You must inform us in writing on any material changes during the policy period so that the necessary amendments are endorsed into your policy.
You may cancel your policy at any time by giving a written notice to the insurance company. Upon cancellation, you are entitled to a refund of the premium, provided there is no claim made. A minimum premium of RM50 will be retained and the balance calculated on short-period rates or pro-rata.
It is important that you inform us of any changes in your contact details to ensure all correspondence reach you in a timely manner. You can update your contact details though email at email@example.com .
It is essential to insure your vehicle at the market value and not any value you choose to avoid over-insurance or under-insurance.
Over-insurance occurs when you insure your vehicle for a sum higher than the market value. In the event of a claim, the insurance company will only pay you the market value of your vehicle. If you over-insure your vehicle, you risk having paid higher but unnecessary premiums.
Under-insurance occurs when your sum insured of your vehicle is lower than the market value. In the event of a claim, the insurance company will only pay the cost up to the total sum insured and you will have to pay for the difference of the total repair cost yourself. E.g. if you insured your vehicle up to 80% of the market value, the insurance company will only pay 80% of the total repair cost. You will need to settle the remaining 20% of the cost yourself.
You can choose to submit your third party claim to the person’s insurance company if you plan to claim for the party at fault or, if you have a comprehensive policy, you may submit your third party claim to your own insurance company. If you submit the claim to your own insurance company, you will not lose your NCD and the claim will be processed more speedily as the company already has your background information.
This is in line with the principle of indemnity. Your insurance policy will indemnify your loss/damage by putting you back to the similar position just before the accident. You therefore cannot 'profit' from an insurance settlement. When the damaged vehicle is repaired, it is restored to the condition before the accident. Hence, the issue of depreciation should not arise.
An insurance policy is a contract between the insurance company and the policy owner. If the policy owner fails to report to the insurance company about an accident, the insurance company will not be able to entertain the claim made by any third party as the company has no contract with the third party.
Therefore, the third party insurance company will only be responsible for handling your claim if its policy owner has requested it to step into his/her shoes for the loss or damage caused by him/her in the accident.
However, for the convenience of the general public, insurance companies have agreed to entertain third party claims even though their policy owners fail to make a report. You need to submit the claim for the consideration of the insurance company consideration within 14 days from the date of the accident, together with the following documents:
(a) A car lent to a friend who subsequently 'disappeared' with the car.
(b) A car that is advertised for sale and one of the potential buyers takes the car for a test drive and fails to return it.
Such scenarios are not claimable as these cases are deemed to be acts of criminal breach of trust and cheating. There is also negligence on the part of the car owner in not exercising due care as to whom the property has been entrusted to.
(c) A car used for hire or reward.
Loss or damage arising from such cases are not payable as these are excluded under the Private Car Insurance Policy.
Our Comprehensive Private Car is limited to vehicles with a cubic capacity up to 2,500 and aged below 15 years. Vehicle make and model that are not eligible for the policy are:• Toyota – Land Cruiser, Harrier, Hilux, Alphard, Vellfire and Fortuner