• PRIVATE CAR POLICY WORDING (ENGLISH)

• PRIVATE CAR POLICY WORDING (BM)

• COMMERCIAL VEHICLE POLICY WORDING (ENGLISH)

• COMMERCIAL VEHICLE POLICY WORDING (BM)

• MOTOR TRADE POLICY WORDING

Read this Product Disclosure Sheet before you decide to take out the Motor Comprehensive Cover. Be sure to also read the general terms and conditions

Financial Service Provider : Allianz General Insurance (Company) Malaysia Berhad (“We”/”Us”/”Our”) 

Product Name : Motor Insurance – Comprehensive Cover

1. What is the product about?
   This Policy provides insurance against liabilities to other parties for bodily injury or death, damage to other parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle.

2. What are the covers/benefits provided?
   This policy covers:

   • • Loss or damage to your own vehicle due to accident, fire or theft;

     • Third Party bodily injury and death;

     • Third Party Property loss or damage.
       Optional benefits (if applicable) that you may wish to purchase by paying additional premium:

     • Windscreen damage;

     • Passenger liability cover;

     • Inclusion of Special Perils such as flood, typhoon, hurricane, storm, tempest, volcanic eruption,
       earthquake, landslide, landslip, subsidence or sinking of the soil / earth or other convulsions of nature

     • Strike, Riot and Civil Commotion;

     • Compensation for Assessed Repair Time (CART).
       NOTE:

       1. 1. (i)  It is an offence under the law of Republic of Singapore to enter the country without extending passenger liability cover to your motor insurance;

          2. (ii)  Duration of cover is for 1 year. You need to renew the insurance cover annually.

3. How much premium do I have to pay?
   The total premium that you have to pay may vary depending on the cubic capacity of the vehicle, sum insured, no-claim-discount (NCD) entitlement, optional benefits required and the underwriting requirements of the insurance company.

   • Standard Cover : RM________________ premium for sum insured of RM_________________

   • Additional cover : RM_________________

   • The estimated total premium that you have to pay is RM_________________

4. What are the fees and charges that I have to pay?
   *The Service Tax (“ST”) amount herein may be subject to change as the ST rate applied shall be based on the prevailing rate(s) in accordance with the laws of Malaysia.

• Commission paid to the insurance intermediary (if any): 10% of gross premium

• Stamp Duty: RM10.00

• Service Tax: 8% of premium

5. What are some of the key terms and conditions that I should be aware of?

   • Importance of Disclosure

●  Consumer Insurance Contract
Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance wholly for purposes unrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form and/or all the questions required by the Company fully and accurately and disclose any other matter that you know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied, otherwise it may result in avoidance of contract, claim denied or reduced, terms changed or varied, or contract terminated.

●  Non-Consumer Insurance Contract
Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance for purposes related to your trade, business or profession, you have a duty to disclose any matter that you know to be relevant to Our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise it may result in avoidance of contract, claim denied or reduced, terms changed or varied, or contract terminated.
This duty of disclosure for Consumer and Non-Consumer Insurance Contract shall continue until the time the contract is entered into, varied or renewed. You also have a duty to tell Us immediately if at any time after your contract of insurance has been entered into, varied or renewed with Us, any of the information given is inaccurate or has changed.

5. • You must ensure that your vehicle is insured at the appropriate amount;

   • Compulsory Excess and other Excess is the amount to be borne by you in the event of a claim;

   • Cash Before Cover – The premium due must be paid and received by Us before cover commences. This insurance is automatically null and void if this condition is not complied with.

   • Claims – If your vehicle is involved in any incident that could lead to a claim under this policy, you must send your vehicle to any of Our panel of approved workshops or any other repairer that We have given you special permission to use. Where We have not granted you special permission to send your vehicle to a specific repairer, your failure to send your vehicle to Our panel of approved workshops for repair would constitute a breach of your policy with Us and We can decline your claim. Where there are no panel of approved workshops at any nearby locations in the event of an incident, We may at Our discretion choose to either:

     • a)  assist you to access the nearest workshop on Our panel and arrange for towing services to such workshop at no cost to you; or

     • b)  allow your damaged vehicle to be repaired at a nearby motor repair workshop that is registered with Jabatan Pengangkutan Jalan (JPJ), as may be determined by Us.

6. What are the major exclusions under this policy?
   This policy does not cover certain losses such as:

   • Your own death or bodily injury due to a motor accident;

   • Your liability against claims from passengers in your vehicle; and

   • Loss, damage or liability arising from an act of nature i.e. flood, storm or landslide.
     Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

7. Can I cancel my policy?
   You may cancel your policy at any time by giving written notice to the insurance company. Upon cancellation, you are entitled to a refund of the premium based on pro-rata if your vehicle has been insured continuously for more than 12 months or short period rates if vehicle has not been continuously insured for more than 12 months within the same Company. Any minimum premium paid under the policy is not refundable. Refund premium is allowed provided no claim has arisen during the then current Period of Insurance.

8. What do I need to do if there are changes to my contact/personal details?
   It is important that you inform Us of any change in your contact details to ensure that all correspondences reach you in a timely manner.

9. Where can I get further information?
   Should you require additional information about motor insurance, you can contact Us at:
   If you have any enquiries, please contact Us at:
   Allianz Authorised Agent : 014-257 9874 (Namreet Bains)
   Email: bavarianresources@gmail.com
   EasyPayInsurance.shop

10. Other types of motor insurance cover

    • Third Party Cover;

    • Third Party Fire and Theft Cover.

IMPORTANT NOTE:
YOU MUST ENSURE THAT YOUR VEHICLE IS INSURED AT THE APPROPRIATE AMOUNT AS IT WILL AFFECT THAT AMOUNT YOU CAN CLAIM. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE INSURANCE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION.

The benefit(s) payable under eligible product is (are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact Allianz General Insurance Company (Malaysia) Berhad or PIDM (visit www.pidm.gov.my).

The information provided in this disclosure sheet is valid as at 01/03/2024.

1. What is motor comprehensive insurance? 

Motor comprehensive insurance, also referred to as comprehensive car insurance, is a type of auto insurance that offers extensive coverage for your vehicle in various scenarios, including accidents, fire, theft, vandalism, and other damages. It provides comprehensive protection for a wide range of incidents.

For Allianz motor comprehensive insurance, private car policyholders will be exclusively entitled to the Allianz Road Rangers benefit which comes complimentary. This best-in-class service is designed to enhance roadside assistance and support for our policyholders nationwide, ensuring a safe and swift return to the road.

2. Why motor comprehensive insurance is important? 

Motor comprehensive insurance provides coverage for own vehicle damage as opposed to third-party insurance with a variety of coverage options for peace of mind. In Malaysia, it is mandatory for a vehicle owner to at least have third-party liability insurance.

3. Is it mandatory to have car insurance in Malaysia? 

Yes, it is mandatory to have at least third-party car insurance in Malaysia. The potential penalties for driving without car insurance may lead to fines, suspension of driver’s license and unable to renew road tax.

4. How can I ensure that my vehicle is adequately insured in Malaysia? 

In addition to the standard coverage for car insurance, there are optional features and benefits that you can include based on your specific coverage needs. Since car insurance renewal is an annual process, review the types of coverage you require and their corresponding premium charges to align with your risk profile.

5. Which considerations are key to choosing a reliable motor insurance company? 

The defining features of a motor insurance company that stands itself apart from others are its financial strength and stability for peace of mind in getting claims, options and flexibility to customise a policy for your specific needs and most importantly, the level of quality when it comes to claims handling process and speed.

6. Can I transfer my comprehensive car insurance policy if I change vehicles? 

The car insurance policy will automatically lapse once you sell or dispose of your car because your insurable interest in the car will cease. If you want to transfer the policy to the new buyer, you must get prior consent from the insurer.

7. What should I do if I am involved in a car accident in Malaysia?

If you have motor insurance with Allianz Malaysia, we have provided a helpful guide with do’s and don’ts for what to do after an accident or theft. You can find the guide on page 5 of our policy here.

Searching Online for Comprehensive Car & Motor Insurance in Malaysia

Want to know more about our car and motor insurance through our 

contact form? As a car and a motor owner, having good comprehensive car & motor insurance coverage in Malaysia is like having a guardian that always has your back; managing post-accident situations smoothly from the point of impact to getting your vehicle back to resume your daily life. 

The Basics of Car & Motor Insurance

The most basic form of insurance in Malaysia is a third-party insurance coverage which covers the other individual’s damage or loss because of an accident caused by your vehicle. Comprehensive insurance coverage provides additional protection as it covers both you and the third party.

There is typical insurance, and then there is Allianz comprehensive insurance. If you are looking for comprehensive protection for your vehicle, Allianz Car & Motor Comprehensive Cover Insurance, featuring Allianz Road Rangers, is as comprehensive as it can be.

Allianz Road Rangers: Your Best Car & Motor Insurance Companion in Malaysia

No matter the form of vehicle, when an accident happens, Allianz Road Rangers will ensure that you are taken care of throughout the whole journey, ensuring a seamless experience with round-the-clock 24-hour helpline assistance.

Vehicle Insurance that Provides Seamless Experience with Allianz Road Rangers

Allianz Bike Brigade will arrive first at the location and provide initial assistance, including first aid if necessary. Allianz Tow Truck will then be deployed at the same time to tow your damaged vehicle to the police station. Our claims concierge service will guide and explain to you while we keep you company in the police station. After that, we will tow your car to an Allianz Authorised Panel Repairer or a franchise workshop upon request while providing an e-hailing voucher for you to get home safely.

Car & Motor Insurance for Peace of Mind

Allianz Authorised Panel Repairer comes with a 2-year service warranty and genuine replacement parts. Allianz will ensure our panels are qualified under PIAM Approved Repairer Scheme (PARS) whenever possible. All Allianz Motor Private Car Comprehensive policyholders (with windscreen coverage) can also enjoy on-site repair services for cracked or damaged windscreens with genuine glass replacements that come with a lifetime warranty. For certain selected Own Damage (OD) claims, the whole approval process can be as fast as 10 minutes.

Start enjoying Allianz Road Rangers benefits today. Reach out to us directly via the contact form below.