This policy provides Comprehensive cover, Third Party, Fire & Theft cover and Third Party cover. The coverage of the policy is as table below:

Optional benefits that you may wish to purchase by paying additional premium:

• Legal Liability to Pillion
• Inclusion of Special Perils
• Motorcyclist Personal Accident Add-On

Note: It is an offence under the laws of Singapore to enter the country without extending Passenger Liability cover to your motor insurance.

Duration of cover is for one year. You need to renew the insurance cover annually.

The total premium that you have to pay may vary depending on the sum insured of the vehicle, cubic capacity, no-claim-discount (NCD) entitlement and the underwriting requirements of the insurance company.

What is NCD?

• NCD is ‘awarded’ if no claim was made against your policy during the preceding 12 months of policy.
• Your NCD entitlement will depend on the class of your vehicle

Premium must be made before cover can be granted.

• Insurable Interest – you are required buy cover as soon as you purchase a vehicle.

• 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 (or when you apply for this insurance).

  You must answer the questions fully and accurately. Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance.

  The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us.

  In addition to answering the questions in the Proposal Form (or when you apply for this insurance), you are required to 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.

  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 the Proposal Form (or when you applied for this insurance) is inaccurate or has changed.

• You must ensure that your vehicle is insured at the appropriate amount as it will affect the amount you can claim. If sum insured is less than the market value, you are deemed as self-insuring the difference. In the event of a loss, you will only be partially compensated.

• Compulsory excess - that is the amount of loss you have to bear.

• Contribution - we shall only be liable for our rateable proportion of the loss in the event an insured has more than one policy to cover their vehicle.

This policy does not cover certain losses, such as:

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

  (unless You purchase for our optional benefit, Motorcyclist Personal Accident Add-On, by paying an additional premium with the coverage of death or bodily injury caused by motor accident);

• Your liability against claims from pillion in your vehicle;

  (unless You purchase for our optional benefit, Passenger Liability Cover to Pillion, by paying an additional premium with the coverage for liability against claims from pillion rider);

• Loss or damage to your vehicle caused by act of nature i.e. flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil / earth or other convulsions of nature. (unless You purchase for our optional benefit, Inclusion of Special Perils, by paying an additional premium with the coverage for loss or damage to your vehicle caused by act of nature);
• Theft of non-factory fitted vehicle accessories unless otherwise declared.
• Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or breakages.

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 short period rates, where any minimum premium paid under the policy is not refundable.

It is important that you inform us if there are changes in your contact details to ensure that all future correspondences reach you in a timely manner.

• Report to the police within 24 hours and immediately notify your insurance company with full details in writing.
• Repairs must be conducted by an Authorized Panel Workshop selected and approved by us if you make an own damage claim against your own comprehensive policy.
• If you are not at fault in the accident, you can submit the claim either directly to the insurance company of the party at fault, or if you have a comprehensive policy, you are encourage to submit to your insurance company for speedier claims processing without losing your NCD entitlement.
• You will lose your entire NCD entitlement once an own damage or a third party claim is made against your policy.

Should you require additional information about motor insurance, please refer to the insuranceinfo booklet on ‘Motor Insurance’, available at all our branches or you can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my.

If you have any enquiries, please contact us during operating hours from 8:30 am to 5:00 pm (Monday – Friday) at: