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The premium is calculated
according to the Motor tariff prescribed by Persatuan
Insurans Am Malaysia (PIAM) based on the following
attributes :
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Type of Coverage
(Comprehensive, Third Party Fire and Theft, Third
Party) |
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Use of vehicle
(Private Car, Goods Carrying Vehicle, Buses, Taxis,
etc) |
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Cubic capacity /
Carrying Capacity |
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Age of vehicle |
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NCD Allowed |
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Sum Insured |
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No. of Authorized
Drivers |
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Extended coverage |
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Policyholders also enjoy the following
extended benefits with additional premium:
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| Windscreen
(for Comprehensive Cover only) |
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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 - 15% of the Amount Insured]
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| All
Drivers Coverage |
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(For Private use vehicle
registered under company/organisation) This extra
coverage allows any authorized person to drive your
car. Not applicable to commercial vehicles (i.e.
trailers, lorry etc).
[Premium Charged - RM50 per vehicle]
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| All
Riders Coverage |
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(For
Motorcycle-Comprehensive/Third Party Cover) This policy
covers unnamed riders.
[Premium Charged - 50% loading of Basic Premium]
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| Legal
Liability To Passengers |
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This coverage protects the
Insured against legal liability to the passenger in the
event of a claim.
[Premium Charged - 25% of Third Party Premium]
Basic Premium up to 4 persons only.
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| Strike,
Riot & Civil Commotion (for Comprehensive Cover only) |
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Covers the vehicle against
damage caused by strike, riot and civil commotion.
[Premium = 0.3% x Sum Insured of your vehicle]
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| Legal
Liability of Passengers |
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Covers the legal liability
of passengers for acts of negligence.
[Premium - RM7.50 per car]
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| Current
Year NCD Relief |
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This extension provides
cover for compensation for loss of "No Claim
Discount" (NCD).
[Premium - 15% on NCD
entitlement of the current period of insurance and is
subject to a minimum premium of RM50]
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