Motor Insurance provided by Allianz General Insurance Company (Malaysia) Berhad cover loss and accidental damage to the insured’s own vehicle as well as liabilities towards third party (bodily injury, damage to property due to insured’s and/or authorized driver’s negligence). Motor Insurance policies issued by Allianz General Insurance Company (Malaysia) Berhad come with:

Comprehensive insurance coverage

Insurance and road tax renewal service available at all branches and Auto Finance centers

Types of Cover

Provides comprehensive cover for private vehicles only. Commercial vehicles are required to refer to Allianz underwriter for approval and acceptance.

Features and Benefits

Liability for damage to others vehicle and property caused by insured vehicle

Legal Liability for death or bodily injury to any third party person

Extra Coverage
Under comprehensive cover the following extra coverage are available for an additional premium:

1. Windscreen (for Comprehensive Cover only)
   Covers the breakage of glass in windscreens, front, rear and side windows. The damaged windscreen will be replaced and your NCB will not be affected. [Premium Charged is 15% of the Amount Insured for Windscreen]
2. Strike, Riot & Civil Commotion (SRCC)
   Covers the vehicle against damage caused by strike, riot and civil commotion. [Premium = 0.3% x Sum Insured of your vehicle]
3. Flood, typhoon or other convulsion of nature
   Protects against damage to your car caused by Flood, Typhoon, Hurricane or Storm. [Premium Charged is 0.5% on Sum Insured]
4. Legal Liability of Passengers (LLOP)
   Covers the legal liability of passengers for acts of negligence. [Premium is RM7.50 per car]
5. Legal Liability To Passengers (LLNP)
   This coverage protects the Insured against legal liability to the passenger in the event of a claim. (This coverage is compulsory if you drive your car in Singapore.) [Premium Charged - 25% of Third Party Premium]
6. NCD Relief
   This extension provides cover for compensation for loss of "No Claim Discount" (NCD). [Premium is 15% on NCD entitlement of the current period of insurance and is subject to a minimum premium of RM50]

Underwriting Guidelines

Minimum Market Value is RM10,000

Maximum age of vehicle is 15 years

Insured and driver is between 25 and 65. Insured or drivers age below 25 or above 65 requires Allianz underwriter approval and/or subject to additional premium loading

Vehicles involved with engine modifications to enhance performance and built for speed; Sports and High performance car requires Allianz underwriter approval and/or subject to additional premium loading

Vehicle inspection is required in the event previous policy lapsed for more than 14 days.

Motorcycle, tanker, taxi, hire cars. Buses, driving school, Permit A vehicles, Motor trade plate and Vehicles transporting hazardous and flammable goods such as petroleum, diesel, gases, bitumen, cements and other types of chemicals or liquids will be declined

Loading and excess will be charged according to Bank Negara guidelines when applicable.

Vehicle models below are classified as High Risk Vehicle Models (HRTV) and are required to refer to Allianz underwriter for approval and acceptance.

Not Applicable to Sabah and Sarawak Region.