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Personal > Resources > Buy Online > Motor Insurance

What is Motor insurance?

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.

It is a plan which covers you for

  • Accidental or fire damage to your vehicle
  • Theft of your vehicle
  • Liabilities to other parties for injury or death
  • Damage to other parties’ property

Options

Choose among our three offerings.

  • Comprehensive Cover
  • Third Party, Fire & Theft Cover
  • Third Party Cover

Check your coverage

Here is an overview of your coverage.

Comprehensive Cover

Comprehensive Cover

1. The policy cover loss or damage to your vehicle in the following circumstances:

  • By accidental collision or overturning
  • By collision or overturning caused by mechanical breakdown or as a result of 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 

2. Third party bodily injury and death, limits is unlimited

3. Third party loss or damage, limits is up to RM3 million

In addition, 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
Third Party, Fire and Theft Cover

Third Party, Fire and Theft Cover

  • Third party bodily injury and death, limits is unlimited
  • Third party loss or damage, limits is up to RM3 million
  • Loss or damage to the motor vehicle due to fire, explosion, lightning, burglary, housebreaking or theft
Third Party Cover

Third Party Cover

  • Third party bodily injury and death, limits is unlimited
  • Third party property loss or damage, limits is up to RM3 million

How much is my premium?

Your premium may vary, depending on

  • The no-claim-discount (NCD) entitlement
  • Additional Benefits selected
  • Type of Cover

Get it now

Product literature

What we don’t cover

  • Comprehensive Cover
    • Your own death or bodily injury due to a motor accident
    • Your liability against claims from passengers in your vehicle
    • Loss, damage or liability arising from an act of nature (i.e. flood, storm or landslide)
  • Third Party, Fire and Theft Cover
    • Accidental damage to your vehicle
    • Your own death or bodily injury due to motor accident
    • Your liability against claims from passengers in your vehicle
  • Third Party Cover
    • Accidental or fire damage to your vehicle or theft of your vehicle
    • Your own death or bodily injury due to motor accident
    • Your liability against claims from passengers in your vehicle
Note:
This list is non-exhaustive. Please refer to the sample policy contract for the full list of exclusions under the policy.
Important information

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 30 June 2012.

Note: You must ensure that your vehicle is insured at the appropriate amount as it will affect the amount you can claim. In the event of an accident, you are advised to deal with the approved workshops. If you have a comprehensive cover and are not at fault, you are advised to submit your claim to your insurance company. You should read and understand the insurance policy and discuss it with your agent. Or, feel free to contact us directly for more information.

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