1.  What is the product about?
Besides covering you /the rider/and/or the pillion rider with personal accident and a host of other insurance benefits, this plan also provides you/the rider/and/or the pillion rider with 24 Hours Bike Assistance Program. Bike Warrior also has additional benefits such as compassionate cover and flood cover.

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

(a)  Personal Accident Benefits

1. • • Accidental Death/Permanent Disablement

     • Medical Expenses

     • Bereavement

     • Double Indemnity

     • Corrective Cosmetic Surgery

     • Hospital Income

     • Renewal Bonus

(b)  Bike Assistance Program

1. • • 24-Hour Emergency Towing And Minor Roadside Repairs

     • Taxi and Car Rental Assistance

     • Arrangement for Hotel Accommodation

     • Arrangement of Emergency Evacuation

     • Referral to Service Centre

     • Emergency Message Transmission

(c)  Additional Benefits

1. • • Compassionate Cover (Subject to the Named Vehicle being insured under a Private Comprehensive Motorcycle Policy)

     • Flood Cover

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

(a) Duty 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 Allianz 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 in inaccurate or has changed.

(b)  Cash Before Cover – The premium due must be paid and received by insurance company prior to the commencement of coverage.

(c)  Eligibility – Insured Person aged between sixteen (16) to eighty (80) years old.

(d)  This Policy shall lapse/terminate when the Insured Person attains the age of 80 years old.

(e)  The Insured Person shall within fourteen (14) days after the happening of the accident give notice to insurance company with full particulars of the accident and injuries.

(f) The Insured Person shall give immediate notice to insurance company of any change in his/her name, residence, business or occupation.

4. What are the major exclusions under this Policy?

This Policy does not provide coverage under the following circumstances:

(a)  Loss occasioned by war, invasion, act of foreign enemy, hostilities, or war like operations (whether war be declared or not), mutiny, civil
war, revolution, insurrection, conspiracy, military, or usurped power, martial law

(b)  Illness, under influence of drugs, named vehicle used for hire, racing, pacemaking, speed-testing or for any purpose in connection of with
motor trade

(c)  Insured/rider does not hold a valid motorbike licence to ride the Named Vehicle or is not qualified for holding or obtaining a valid
motorbike’s license under the regulations of the Malaysian Road Transport Department or Court of Law

(d)  Suicide or any attempt thereat (sane or insane)

(e)  If the actual number of pillion riders at the time of loss is not in accordance with the permissible carrying capacity as required by the Law,
subject to Special Provision 4 of the contract

(f)  While the Named Vehicle is used for illegal business pursuit as an unlicensed common carrier

(g)  Childbirth or miscarriage or insanity unless caused solely and directly by accidental means to the Insured/rider and/or pillion rider while,
riding, alighting from or boarding the Named Vehicle

Note: This list is non-exhaustive. Please refer to the Policy Wording for the full list of exclusions under this Policy.

5. Can I cancel my Policy?

You may terminate your policy by giving written notice to your agent. Termination shall become effective on the date the notice is received or on the date specified in such notice whichever is the later. Refund of premium, however, is subject to the terms and conditions stipulated in the Policy.

6. What do I need to do if there are changes to my contact/personal details?

It is important that you inform us of any changes in your contact and personal details to ensure that all correspondence reach you timely manner. You may inform our authorised agent, branch office or our customer service.

7. 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) / 012-7822114 (Krish)
Email: bavarianresources@gmail.com
EasyPayInsurance.shop

Important Note:
You are advised to note the scale of benefits for permanent disablement in Your insurance Policy. You must 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 discuss with the 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 01/11/2024.