This policy does not cover certain losses, such as
While the vehicle is used for illegal business as an unlicensed common carrier
If You or Your Authorized Driver is under influence of alcohol or intoxicating liquor, narcotics, dangerous drugs or any other deleterious drugs or intoxicating substance to such an extent that You or Your Authorised driver are incapable of having proper control of Your car.
If the named vehicle is used for road rally pace making, speed-testing or use for any purpose in connection with the motor trade
If You or Your Authorised driver do not have a valid driving license to drive Your car. This will not apply if You or Your Authorised driver have an expired license but are not disqualified from holding or obtaining such driving license under any existing laws, by-laws and regulations.
Suicide or any attempt thereat (sane or insane).
Pre-existing physical, mental defect or infirmity.
Illness, diseases, infections.
Childbirth, miscarriage, pregnancy or any other complications thereof (Applicable to Death and Permanent Disablement).
Terrorism and war risks
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under this policy.
This plan is underwritten by Tokio Marine Insurans (Malaysia) Berhad. All benefits and features mentioned herein are subject to terms and conditions of the policy. It is In your best interest to refer to the Policy Contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only and is accurate as at 16 October 2018.
Note: You are advised to note the scale of benefits for death and disablement in your insurance policy. You are advised to nominate a nominee and ensure that your nominee is aware of the personal accident policy that you have purchased. You should read and understand the insurance policy, and at all times, feel free to contact us for more information.