 |
| |
| |
|
Protection
For
Your Motor Vehicle |
| |
|
| |
The coverage available under a Motor Insurance policy
includes:-
- Act Cover (Road Transport Act 1967)
- Third Party Cover
- Third Party, Fire and Theft Cover
- Comprehensive Cover
- Combination of Act and Third Party |
|
| |
|
 |
Scope of Coverage
Act Cover
Death or injury to third party as result of the
negligence of the insured.
The amount covered under this cover is unlimited.
Third Party Cover
This cover is combination of :-
(1) Act cover as described above
(2) Indemnity for liability in respect of damage
to property belonging to third party
Third party, fire and theft cover
(1) Act cover as described above
(2) Third party cover
(3) Indemnity in the event that the insured vehicle
is stolen or damaged by fire
Comprehensive Cover
(1) Combination of Act and Third party
(2) Physical damage to the insured vehicle and
its part following accidental
collision and other perils more specifically covered
in the policy
Classes of Motor Insurance
The 3 classes of motor insurance under the Motor
tariff are :-
(1) Private motor car
(2) Motorcycle
(3) Commercial Vehicle
Each of the above classes is rated separately
under the respective section of the Motor Tariff. |
|
 |
|
 |
 |
Section A – LOSS OR DAMAGE
TO YOUR VEHICLE
 |
accidental collision or overturning
caused by mechanical breakdown, wear and tear. |
| |
|
| |
by impact damage caused by falling objects,
provided no floods, typhoon, hurricane, storm,
tempest, volcanic eruption, earthquake, landslide,
land slip or other 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 : |
| |
| • |
i. Road rail inland waterway |
| • |
ii. Direct sea route across the straits
between the island of Pulau Pinang and
the mainland. |
|
Exclusion
a) consequential losses of any nature
b) the loss of use of your vehicle
c) depreciation, wear and tear, rust and corrosion,
mechanical or electrical or electronic breakdowns,
equipment or computer malfunction, failures or breakages
to your vehicle except breakage of windscreen or
windows
d) damage to your vehicle’s tyres unless your
Motor Vehicle is damaged at the same time
e) any loss or damage caused by or attributed to
the act of cheating/criminal breach of trust.
f) the excess stated in the policy schedule
g) the failure or inability of any equipment or
any computer program to recognise or correctly to
interpret or process any date as the true or correct
date or to interpret or process any date as the
true or correct date or to continue to function
correctly beyond that date. |
|
 |
|
|
|
Section B – LIABILITY
TO THIRD PARTY
We will pay the amount which You or Your authorised
driver are legally liable to pay (including claimants’
costs and expenses) for :-
| |
(a) death or bodily injury to
any person except those specifically excluded
excluded under Exceptions to Section B |
| |
|
| |
(b) damage to property as a result of an
accident arising out of the use of
Your Vehicle |
Provide Your authorised driver also complies with
all the terms and conditions of the policy that
You are subject to.
Exclusions
(a) death or bodily injury to any passenger being
carried for hire or reward.
(b) death or bodily injury to any person where such
death or injury arises out of in the course of the
employment of such person by You or by Your authorised
driver.
(c ) damage to property belonging to or in the custody
of or control of or held in trust by You and/or
Your authorised driver and/or any member of Your
authorised driver’s household.
(d) liability to any person who is a member of Your
and/or Your authorised driver’s household
who is a passenger in Your Vehicle unless he/she
is required to be carried in or on Your Vehicle
by reason of or in pursuance of his/her contract
of employment with You and/or Your authorised driver
and/or his/her employer.
(e) any claims brought against any person in any
country in courts outside Malaysia, the Republic
of Singapore or Negara Brunei Darussalam.
(f) all legal costs and expenses which are not incurred
in or recoverable in Malaysia, the Republic of Singapore
and Negara Brunei Darussalam.
Extensions
Coverage can be extended to cover the following
Extra Benefits:
- Legal Liability to Passengers
- Windscreen
- Radio/Cassette
- Strikes, Riot and Civil Commotions (SRCC)
- Flood, Windstorm
- Named Drivers |
|
|
|
|
| |
Untitled Document
 |
Contact us at 603 - 2178 8000. |
|
|
|
|
|
| |
|
|
|
|
|
 |
|
|
