AmAssurance Claims Centre

Everything You Ever Needed to Know About Making a Claim

Register Motor Claims

After you’ve filed a police report, you’ll need to notify us to register your motor claims. For your convenience and ease, you can choose to file your claim online or call us at 1 800 88 6333 for assistance.

For more information on specific types of claims, please refer to the guidelines below.

Also read and understand the "Claims Guide For Motor Accidents" by Bank Negara Malaysia. Click on your preferred language (English | BM | Chinese).

Check Claims Status

Our Claims team will help you process your claims efficiently so you can get back on track quickly. Your claims status can be checked online, so you can keep track of its progress.

Our Hotline

Breakdown or Accident  Assistance 24-Hour Toll Free (powered by Kurnia Auto Assist) - 1 800 88 6333

We will dispatch a tow truck to you and assist in your insurance claim.

For even faster and more convenient assistance, download our AmAssurance One Touch Mobile App for FREE!

Guidelines

  • Handling an Accident

    Let’s face it; accidents happen, no matter how good a driver you are. So, it’s best to equip yourself with knowledge on how to keep on top of the situation in the event of a collision or crash.

     

    Step 1: Get Off the Road

    Park your vehicle in a safe and visible place to avoid causing additional accidents. Turn on your hazard lights to warn oncoming traffic. Also, be aware of your surroundings and make sure all your belongings are intact.

     

    Step 2: Check Injuries

    Quickly attend to injuries. If there are any serious injuries or casualties involved, call an ambulance and the police immediately. REMEMBER THESE NUMBERS: 999 or 112 from a mobile phone

     

    Step 3: Keep Calm & Avoid Conflict

    Don’t react angrily or violently, regardless of the situation. Keep calm and note these details:

    • Vehicle registration number
    • Driver’s particulars (Name, Address, Contact Number)
    • Precise time, date and place of accident
    • The Insurer’s name(s) and insurance policy number(s) of the vehicles, where possible
    • Details of witnesses and/or injured persons, if any (Name, Address, Contact Number)

     

    Step 4: Be Cordial but Firm

    Don’t commit to any liability or settlement, no matter how insistent the other party is.

     

    Step 5: Make a Police Report

    This is important. Drive or tow your vehicle to the nearest police station and lodge a report within 24 hours. THIS IS REQUIRED BY LAW.

     

    Step 6: Towing & Repairs

    Call the Breakdown or Accident Assistance 24-Hour Toll-Free Hotline at 1 800 88 6333 for assistance to have your vehicle towed to an approved panel repairer.

     

    Step 7: Let Your Insurer Know

    Complete the Claim / Notification Form and submit it to your insurer as soon as possible for protection against liability resulting from the accident, even if you don’t make a claim. Enclose these documents with your form:

    • Police report (Original or Certified true copy)
    • Insurance policy or cover note
    • Updated vehicle's registration card / vehicle ownership certificate (VOC)
    • Road Tax Disc
    • Identity card & driving licence of vehicle owner
    • Identity card & driving licence of driver (if not the vehicle owner)
    • Any correspondence you may receive from third party
  • Own Damage / Beyond Economical Repair Claims

    Overview

    A claim towards loss or damages sustained by your vehicle in an accident on your own policy with comprehensive coverage.

    Your NCD (No Claim Discount) is forfeited when you make this claim.

    Only cover damages to your vehicle specified in the policy, excluding compensations such as compensation of assessed repair time (CART) unless you have extension coverage on CART.

     

    Who can make an Own Damage Claim?

    Only valid for comprehensive motor insurance policyholders.

     

    Steps

    Applies to Own Damage Claims (Car)

    1. Report the accident to the police within 24 hours as required by law.

    2. Send your vehicle to an approved repairer. Find an approved repairer nearest to you here or call us at 1 800 88 6333 for assistance.

    3. Within 14 days of the accident, submit the claim form and supporting documents to either an approved repairer or one of our branches.

          Note: You can get the claim form by calling us at 1 800 88 6333.

    4. You can check the status of your claim online (click here) or call us at 1 800 88 6333 for assistance.

    Applies to Own Damage Claims (Motorcycle)

    1. Report the accident to the police within 24 hours as required by law.

    2. Send your vehicle to an approved repairer. Find an approved repairer nearest to you here or call us at 1 800 88 6333 for assistance.

    3. Within 14 days of the accident, register your claim online (click here) or call us at 1 800 88 6333 for assistance.

          Note: For online claims, please refer to this user guide.  

          Note: Please provide your mobile phone number during claims registration to receive alerts on the status of your claim.

    4. You can also register the claim by submitting the claim form and supporting documents to either your preferred approved repairer or one of our branches, within 14 days of the accident. 

          Note: You can get the claim form by calling us at 1 800 88 6333.

    5. You can check the status of your claim online (click here) or call us at 1 800 88 6333 for assistance.

     

    Document Checklist

    • Claim form (not required for online claims registration)

    Note: You can get the claim form by calling us at 1 800 88 6333.

    • Police report (original copy)
    • Updated vehicle's registration card / vehicle ownership certificate (VOC)
    • Identity card & driving licence of vehicle owner
    • Identity card & driving licence of driver (if not the vehicle owner)
    • Insurance policy / cover note / certificate of insurance (copy)
    • Hire purchase agreement (copy) – applicable upon the acceptance of Beyond Economical Repair offer
    • Vehicle permit (for commercial vehicles)
    • Goods driving licence (GDL) or public services licensce (PSV) - for commercial vehicles
    • Business registration (copy) - applicable to company-registered vehicles
    • Giro payment form (download here)

     

    Additional Notes

    1. When to notify the insurer in the event of a claim?

    You need to notify us as soon as possible or within a reasonable time in order to have your claim indemnified.

    The reasonable time for notification will be:

    • Within 7 days of the date of accident if you are not physically disabled or hospitalised following the event.
    • Within 30 days or as soon as reasonable if you are physically disabled or hospitalised as a result of the event.

    2. Where can I send my vehicle for repair?

    You must send your vehicle to an approved repairer. You can either use ‘Approved Repairer Locator’ to search for an approved repairer or contact AmAssurance Call Centre at 1 800 88 6333 for assistance.

    3. What is the duration to repair my vehicle?

    The repair time will depend on the extent of damages sustained by your vehicle. If you need further information, you may opt to call us or the approved repairer directly.

    4. What should I do if I am unhappy with the repairs of my vehicle?

    There will be a repair warranty period of 6 months from the date of delivery of the vehicle for you to lodge any complaint as to the repair work carried out by the approved repairer and if so required by you to rectify the same at the cost and expenses of the approved repairer.

    Please take note that the damage highlighted for rectification must be consistent with the reported accident.

    5. If I am surrounded by several tow truck operators at an accident scene, which should I choose? Where should I tow my car?

    You should choose any tow truck operator affiliated only to AmAssurance Approved Repairers. For your peace of mind, call us at 1 800 88 6333 and we will dispatch a tow truck from the nearest approved repairer. Your car will be towed to the nearest Police Station first to make a police report where photos of your vehicle will be taken. Your vehicle will then be towed to the approved repairer for repairs.

    6. My car sustained minor damages in an accident but can still be driven. Can I repair the car on my own and claim for the repairs?

    Yes, you can, by using the AmAssurance Express claim settlement service. Please refer to the AmAssurance Express section for more information.

    7. What happens after I have submitted the claim form and all the supporting documents for my Own Damage claim?

    First, our claims department will assign an adjuster or loss surveyor to assess damage to your vehicle in order to prepare the adjuster report. Your claim will then be processed if everything is in order. Once the claim has been approved, you will receive a notification via SMS. You may then refer further to an approved repairer regarding the repair work of your vehicle. The Approved Repairer will proceed with repairs when it receives the copy of the offer letter. Payment for the repairs will be handled between AmAssurance and the approved repairer. You will have to bear any charges not covered by the Policy, then sign the discharge voucher when collecting your vehicle from the Approved Repairer.

    8. Will my NCD entitlement drop to zero with a single claim?

    If you or anybody else meets with an incident that will give rise to a claim on this policy, the NCD entitlement that you have accumulated will drop to zero at the next renewal and your NCD will start all over again. If a claim is received after the NCD has been applied, we shall be entitled to recover the NCD given to you.

    Exception to this Rule:

    Your NCD will not be affected even if a claim is made if:

    • We are of the opinion that you are not at fault for causing the loss;
    • The offending vehicle is identifiable and is not a vehicle used for carriage of passengers for hire or reward (for example taxis, hire cars, public buses, stage buses, school buses and factory buses for hire);
    • The offending vehicle is insured by a Malaysian licensed insurer; and
    • There is no death or personal injury claim involved.
  • No-Fault Own Damage Claims

    Overview

    Same as an Own Damage Claim, except your NCD (No Claim Discount) is NOT forfeited.

    This claim is applicable when it is deemed that an accident is not your fault.

    Only cover damages to your vehicle, excluding compensations such as loss of use.

     

    Who can make a No-Fault Own Damage Claim?

    Only valid for comprehensive motor insurance policyholders.

     

    Steps

    Applies to No-Fault Own Damage Claims (Car)

    1. Report the accident to the police within 24 hours as required by law.

    2. Send your vehicle to an approved repairer. Find an approved repairer nearest to you here or call us at 1 800 88 6333 for assistance.

    3. Within 14 days of the accident, submit the claim form and supporting documents to either an approved repairer or one of our branches.

          Note: You can get the claim form by calling us at 1 800 88 6333.

    4. You can check the status of your claim online (click here) or call us at 1 800 88 6333 for assistance.

    Applies to No-Fault Own Damage Claims (Motorcycle)

    1. Report the accident to the police within 24 hours as required by law.

    2. Send your vehicle to an approved repairer. Find an approved repairer nearest to you here or call us at 1 800 88 6333 for assistance.

    3. Within 14 days of the accident, register your claim online (click here) or call us at 1 800 88 6333 for assistance.

          Note: For online claims, please refer to this user guide.  

          Note: Please provide your mobile phone number during claims registration to receive alerts on the status of your claim.

    4. You can also register the claim by submitting the claim form and supporting documents to either your preferred approved repairer or one of our branches, within 14 days of the accident. 

          Note: You can get the claim form by calling us at 1 800 88 6333.

    5. You can check the status of your claim online (click here) or call us at 1 800 88 6333 for assistance.

     

    Document Checklist

    • Claim form (not required for online claims registration)

    Note: You can get the claim form by calling us at 1 800 88 6333.

    • Police report (original copy)
    • Updated vehicle's registration card / vehicle ownership certificate (VOC)
    • Identity card & driving licence of vehicle owner
    • Identity card & driving licence of driver (if not the vehicle owner)
    • Insurance policy / cover note / certificate of insurance (copy)
    • Vehicle permit (for commercial vehicles)
    • Goods driving licence (GDL) or public services licence (PSV) - for commercial vehicles
    • Business registration (copy) - applicable to company-registered vehicles.
    • Third Party’s police report
    • Police investigation outcome/findings
    • Police sketch plan & keys (if any)
    • Signed declaration letter (for No-Fault Accident)
    • Third party cover note/confirmation of valid Third Party insurance coverage

     

    Additional Notes

    1. What are the documents I should submit for a No-Fault Own Damage (ODN) claim?

    Please refer to the document checklist above.

    2. What are the conditions for an ODN claim?

    You are not at fault for causing the accident. Such determination of fault shall be at our entire discretion.

    ODN can be made provided always that: 

    • Third Party vehicle is insured and identifiable
    • NOT a vehicle used for carriage of passengers for hire or rewards (e.g. taxies, public buses etc.)
    • NOT a vehicle insured by non-Malaysian insurers
    • NO personal injury claim involved

    3. What is a Knock for Knock (KFK) claim?

    This is a claim made by you against a third party insurer for the cost of repairs in the event of an accident that happens in accordance with a KFK agreement.

    4. I was involved in a chain collision with four cars. Who should I claim damages from?

    Based on Bank Negara guidelines effective from 3rd January 2000, for chain collisions involving three or more vehicles, the vehicle behind will be responsible for the damage to the vehicle immediately in front. So Car 4 pays for Car 3, Car 3 for Car 2, and so on.

    If the collision of your vehicle and the vehicle immediately in front is caused by the impact of the vehicle behind you, then the third party claim against you by the vehicle in front will not affect your No Claim Discount (NCD). This is not applicable if the collision involves:

    • Parked vehicles
    • Situations where the front vehicle makes a U-turn
    • Vehicles not travelling in the same direction; or
    • Foreign registered vehicles

    5. What is No-Fault Own Damage (ODN) claim and the advantages to policyholders?

    You can make a No-Fault Own Damage claim for damages to your vehicle IF THE ACCIDENT IS NOT YOUR FAULT against your insurer instead of to the insurer of the other party’s vehicle. In this case, your NCD will not be forfeited. You will also enjoy faster claims settlement by dealing directly with your insurer.

    6. What is the difference between Knock-for-Knock (KFK) and No-Fault Own Damage (ODN) claims?

    KFK is a claim made by you against a third party insurer for the cost of repairs, while ODN allows you to claim cost of repairs from your own comprehensive policy without affecting your NCD.

    7. Can I make an ODN claim if my car was knocked by an unknown vehicle while being parked in a car park?

    No, because you don’t know the insurer of the third party vehicle nor its registration number.

    8. Can I make an ODN claim if the other party is driving a taxi, hire cars, public buses, stages buses, school buses and factory buses for hire?

    No, these vehicles are not covered within the scope for ODN claims.

    9. Will my NCD entitlement drop to zero with a single claim?

    If you or anybody else meets with an incident that will give rise to a claim on this policy, the NCD entitlement that you have accumulated will drop to zero at the next renewal and your NCD will start all over again. If a claim is received after the NCD has been applied, we shall be entitled to recover the NCD given to you.

    Exception to this Rule:

    Your NCD will not be affected even if a claim is made if:

    • We are of the opinion that you are not at fault for causing the loss;
    • The offending vehicle is identifiable and is not a vehicle used for carriage of passengers for hire or reward (for example taxis, hire cars, public buses, stage buses, school buses and factory buses for hire);
    • The offending vehicle is insured by a Malaysian licensed insurer; and
    • There is no death or personal injury claim involved.
  • Flood Relief Allowance (Non-Tariff) Claims

    Overview

    You can claim for damage to your car due to flood, flash flood, overflowing of waterways, drains or rivers or mudslides.

    The cover is limited to 1 occurrence in each Period of Insurance and reinstatement of this cover is not allowed.

     

    Steps

    1. Report the accident to the police within 24 hours as required by law.

    2. Send your vehicle to an approved repairer. Find an approved repairer nearest to you here or call us at 1 800 88 6333 for assistance.

    3. Within 14 days of the accident, register your claim online (click here) or call us at 1 800 88 6333 for assistance.

          Note: For online claims, please refer to this user guide.

          Note: Please provide your mobile phone number during claims registration to receive alerts on the status of your claim.

    4. You can also register the claim by submitting the claim form and supporting documents to either your preferred approved repairer or one of our branches, within 14 days of the accident. 

          Note: You can get the claim form by calling us at 1 800 88 6333.

    5. You can check the status of your claim online (click here) or call us at 1 800 88 6333 for assistance.

     

    Document Checklist

    • Claim form (not required for online claims registration)

    Note: You can get the claim form by calling us at 1 800 88 6333.

    • Police report (original copy)
    • Updated vehicle's registration card / vehicle ownership certificate (VOC)
    • Identity card & driving licence of vehicle Owner
    • Identity card & driving licence of driver (if not the vehicle owner)
    • Insurance policy / cover note / certificate of insurance (copy)
    • Hire purchase agreement (copy)
    • Vehicle permit (for commercial vehicles)
    • Goods driving licence (GDL) or public services licence (PSV) - for commercial vehicles
    • Business registration (copy) - applicable to company-registered vehicles
    • Copy of repair invoice / official receipt from an approved repairer
    • Photograph before and after cleaning works and/or any additional document for verification
    • Giro payment form (download here)
  • Key Care Cover (Non-Tariff) Claims

    Overview

    You can claim for the loss or damage to your car key(s) due to actual or attempted theft, robbery or house break-in, subject to a police report being lodged within 24 hours of occurrence of the incident. The repair work or replacement of the key(s) needs to be carried out or purchased from an approved repairer.

    The cover is limited to 1 set of key(s) claimable up to 1 occurrence in each Period of Insurance and reinstatement of this cover is not allowed.

    We shall have the discretion to determine whether to replace, repair, or pay an amount based on your policy type for 1 set of key(s) as we deem appropriate.

    This benefit does not cover:

    • Loss or damage caused by theft or attempted theft if the key(s) (or keyless entry system) to your car is left unsecured or unattended, or is left in or on your car whilst it is unattended;
    • Loss or damage due to mysterious disappearance or unexplained losses where it cannot be proved that theft or attempted theft, robbery or house break-in occurred; or
    • Any claim for additional or duplicate keys.

     

    Steps

    1. Report the accident to the police within 24 hours as required by law.

    2. Send your vehicle to an approved repairer. Find an approved repairer nearest to you here or call us at 1 800 88 6333 for assistance.

    3. Within 14 days of the accident, register your claim online (click here) or call us at 1 800 88 6333 for assistance.

          Note: For online claims, please refer to this user guide.

          Note: Please provide your mobile phone number during claims registration to receive alerts on the status of your claim.

    4. You can also register the claim by submitting the claim form and supporting documents to either your preferred approved repairer or one of our branches, within 14 days of the accident. 

          Note: You can get the claim form by calling us at 1 800 88 6333.

    5. You can check the status of your claim online (click here) or call us at 1 800 88 6333 for assistance.

     

    Document Checklist

    • Claim form (not required for online claims registration)

    Note: You can get the claim form by calling us at 1 800 88 6333.

    • Police report (original copy)
    • Updated vehicle's registration card / vehicle ownership certificate (VOC)
    • Identity card & driving licence of vehicle owner
    • Identity card & driving licence of driver (if not the vehicle owner)
    • Insurance policy / cover note / certificate of insurance (copy)
    • Hire purchase agreement (copy)
    • Vehicle permit (for commercial vehicles)
    • Goods driving licence (GDL) or public services licence (PSV) - for commercial vehicles
    • Business registration (copy) - applicable to company-registered vehicles
    • Copy of repair invoice / official receipt from an approved repairer
    • Giro payment form (download here)
  • Window Snatch Theft (Non-Tariff) Claims

    Overview

    We will pay you compensation of up to the amount based on your policy type in the event that the windscreen or window(s) of your car is/are broken by an unknown person with the intent to steal which results in the loss of possessions placed in your car subject to the following conditions:

    • The incident occurred whilst you or your authorised driver was driving your car on the road;
    • A police report is lodged at the nearest police station where the incident took place within 24 hours after the incident occurred; and
    • To our satisfaction, you or your authorised driver has taken all reasonable steps to limit and prevent further loss and damage.

    For avoidance of doubt, we will not pay compensation for loss or losses due to any wilful act or negligence.

    The cover is limited to 1 occurrence in each Period of Insurance and reinstatement of this cover is not allowed.

     

    Steps

    1. Report the accident to the police within 24 hours as required by law.

    2. Send your vehicle to an approved repairer. Find an approved repairer nearest to you here or call us at 1 800 88 6333 for assistance.

    3. Within 14 days of the accident, register your claim online (click here) or call us at 1 800 88 6333 for assistance.

          Note: For online claims, please refer to this user guide.

          Note: Please provide your mobile phone number during claims registration to receive alerts on the status of your claim.

    4. You can also register the claim by submitting the claim form and supporting documents to either your preferred approved repairer or one of our branches, within 14 days of the accident. 

          Note: You can get the claim form by calling us at 1 800 88 6333.

    5. You can check the status of your claim online (click here) or call us at 1 800 88 6333 for assistance.

     

    Document Checklist

    • Claim form (not required for online claims registration)

    Note: You can get the claim form by calling us at 1 800 88 6333.

    • Police report (original copy)
    • Updated vehicle's registration card / vehicle ownership certificate (VOC)
    • Identity card & driving licence of vehicle owner
    • Identity card & driving licence of driver (if not the vehicle owner)
    • Insurance policy / cover note / certificate of insurance (copy)
    • Hire purchase agreement (copy)
    • Vehicle permit (for commercial vehicles)
    • Goods driving licence (GDL) or public services licence (PSV) - for commercial vehicles
    • Business registration (copy) - applicable to company-registered vehicles
    • List down the possessions that were stolen in the police report
    • Photos of the vehicle that was broken into
    • Giro payment form (download here)

     

  • Ambulance Fees (Non-Tariff) Claims

    Overview

    We will pay you up to the amount based on your policy type for ambulance fees incurred for the transportation of you or your authorised driver to and/or from the hospital following an accidental bodily injury.

    Subject to the following conditions:

    • The reimbursement is applicable only for ambulance fees incurred by you or your authorised driver who is driving your car during the time of incident;
    • The ambulance ride to and/or from the hospital must be within Malaysia only; and
    • The incident that happens causes damage to your car on the road.

    If at the time of any claim arising under this benefit, there shall be any other insurances covering the same risk or any part thereof, we shall only be liable for the balance of the expenses incurred up to the amount based on your policy type coverage if the insured person has been reimbursed under other insurance policies.

     

    Steps

    1. Report the accident to the police within 24 hours as required by law.

    2. Send your vehicle to an approved repairer. Find an approved repairer nearest to you here or call us at 1 800 88 6333 for assistance.

    3. Within 14 days of the accident, register your claim online (click here) or call us at 1 800 88 6333 for assistance.

          Note: For online claims, please refer to this user guide.

          Note: Please provide your mobile phone number during claims registration to receive alerts on the status of your claim.

    4. You can also register the claim by submitting the claim form and supporting documents to either your preferred approved repairer or one of our branches, within 14 days of the accident. 

          Note: You can get the claim form by calling us at 1 800 88 6333.

    5. You can check the status of your claim online (click here) or call us at 1 800 88 6333 for assistance.

     

    Document Checklist

    • Claim form (not required for online claims registration)

    Note: You can get the claim form by calling us at 1 800 88 6333.

    • Police report (original copy)
    • Updated vehicle's registration card / vehicle ownership certificate (VOC)
    • Identity card & driving licence of vehicle owner
    • Identity card & driving licence of driver (if not the vehicle owner)
    • Insurance policy / cover note / certificate of insurance (copy)
    • Hire purchase agreement (copy)
    • Vehicle permit (for commercial vehicles)
    • Goods driving licence (GDL) or public services licence (PSV) - for commercial vehicles
    • Business registration (copy) - applicable for company-registered vehicles
    • Original invoice for ambulance fees incurred
    • Giro payment form (download here)
  • Theft Claims

    Overview

    A claim made if your vehicle is stolen.

     

    Who can make a Theft Claim?

    Only valid for comprehensive motor insurance policyholders or those with a third party, fire and theft motor insurance policy.

     

    Steps

    1. Make a police report within 24 hours as required by law. Please bring a copy of the police report for claim form requisition.

    2. You can request for a claim form from the nearest Branches or call us at 1 800 88 6333.

    3. Alternatively, register your claim online (click here) or call us at 1 800 88 6333 for assistance. 

    Note: for online claims, please refer to this user guide.

     

    Document Checklist

    • Claims form
    • Police report (original copy)
    • Updated vehicle's registration card/vehicle ownership certificate (VOC)
    • Insured's & driver's identity card (copy)
    • Insured's & driver's driving licence (copy)
    • Insurance policy/certificate (copy)
    • Hire purchase agreement (copy) – applicable if there is hire purchase
    • Vehicle permit (for commercial vehicles)
    • Goods driving licence (GDL) or public services licence (PSV) - for commercial vehicles
    • Business registration (copy) - applicable to company registered vehicles.
    • AP permit (copy) – for imported/recond imported vehicles
    • Copy of Puspakom report
    • A copy of insured's director IC

     

    Additional Notes

    1. What should I do next after I have submitted my documents?

    Please render your full cooperation with the appointed adjusters or Liberty General representative as you will be interviewed for a statement on the theft incident.

    Should your vehicle be recovered, notify us immediately to obtain our consent to tow it out of the police station. We may need to arrange for a damage survey by our appointed adjusters prior to towing.

    2. How fast can my theft claim be approved?

    We shall approve your claim within six months and/or police investigation have been finalised and completed, whichever is earlier.

    3. Will my NCD entitlement drop to zero with a single claim?

    If you or anybody else meets with an incident that will give rise to a claim on this policy, the NCD entitlement that you have accumulated will drop to zero at the next renewal and your NCD will start all over again. If a claim is received after the NCD has been applied, we shall be entitled to recover the NCD given to you.

  • Windscreen Claims

    Overview

    A claim made for damages to your vehicle’s windscreen under events covered by your insurer.

    There are two types of windscreen claims:

    1. Replacement: Complete replacement of the windscreen. Only ONE windscreen claim may be made throughout the period of your policy unless you reinstate the windscreen cover with an additional premium.

    2. Repair: A claim for repairs to the windscreen. The claimed amount will be deducted from the sum insured for the windscreen. You can reinstate the amount by paying an additional premium or maintaining the balance after the claim.

    You can claim for repair or replacement without affecting your No Claim Discount (NCD).

     

    Who can make a Windscreen Claim?

    Only valid for comprehensive motor insurance policyholders with a windscreen cover extension.

     

    Steps

    1) Bring your vehicle to the nearest Specialist Windscreen Repairer (SWR) or Approved Repairer for repair or replacement or call us at 1 800 88 6333 for assistance.

     

    Document Checklist

    Specialist Windscreen Repairer (SWR)

    i. If the vehicle is driven into SWR by policyholder:

    1. Copy of policyholder's IC or driving licence
    2. Copy of driver's IC & driving licence required if policyholder was not the driver at the time of accident.

    ii. If the vehicle is driven into SWR by authorised driver:

    1. Copy of policyholder's IC or driving licence
    2. Copy of driver's IC & driving licence
    3. Copy of updated vehicle's registration card / vehicle ownership certificate (VOC)
    4. Copy of insurance policy
    5. Copy of business form (if registered under company name)
    6. Copy of NRIC of the person who dropped off the vehicle at SWR

      

    The Approved Repairer

    Bring your vehicle to the nearest approved repairer for repair or replacement within 14 days of the date of the accident with the following documents:

    1. Copy of policyholder’s IC
    2. Copy of policyholder’s driving licence
    3. Copy of updated vehicle's registration card / vehicle ownership certificate (VOC)
    4. Copy of insurance policy
    5. Copy of business form (if registered under company name)
    6. Copy of driver’s IC (if policyholder is not the driver)
    7. Copy of driver’s driving licence (if policyholder is not the driver)
    8. Copy of NRIC of the person who is dropping off the vehicle
    9. Payment authorisation letter & undertaking letter
    10. Tinted warranty card

    Important Notes:

    i. Police report is not required if the vehicle is driven to our SWR or an approved repairer.

    ii. The approved repairer will handle the claim process and submit the documents on behalf of the policyholder i.e requesting the claim form and payment matters.

    iii. No workmanship warranty will be provided.

      

    Franchise Repairer/Non-panel repairer

    Bring your vehicle to the nearest branch within 14 days of the date of accident with the following documents:

    1. Copy of police report required
    2. Copy of policyholder's IC
    3. Copy of policyholder's driving licence
    4. Copy of updated vehicle's registration card / vehicle ownership certificate (VOC)
    5. Copy of insurance policy
    6. Copy of business form (if registered under company name)
    7. Copy of driver’s IC (if policyholder is not the driver)
    8. Copy of driver’s driving licence (if policyholder is not the driver)
    9. Tinted bill & warranty card
    10. Explanation letter for not choosing SWR / Approved Repairer

    Important Notes:

    i. Policyholder must be present to collect the claim form. Inspection before replacement/repair of windscreen must be carried out at branch.

    ii. Upfront payment is required if you send your vehicle to any approved repairer of your choice.

    iii. Bring your vehicle to the branch for inspection after replacement/repair with the following documents:

    • Original tax invoice from an approved repairer
    • E-payment form

     

    iv. No warranty will be provided.

     

    Additional Notes

    1. What are the advantages of repair at Specialist Windscreen Repairer (SWR)?

    Simple: Only IC or driving licence needs to be submitted (if the vehicle is driven into SWR by policyholder)

    Note: Please refer to Document Checklist for more details if policyholder is not present or not the driver.

    Hassle-free claim process: No upfront payment required and no inspection is needed at branch.

    Warranty* - 2 years workmanship warranty will be provided if the insured opts for repair or replacement.

    *Terms and conditions apply.

    2. Where can I find a Specialist Windscreen Repairer (SWR)?

    You can either use our Approved Repairer Locator to search for an approved repairer or contact Liberty General Contact Centre at 1 800 88 6333 for assistance.

     

  • Third Party Property Damage Claims

    Overview

    A claim made by you against a third party insurer for the cost of repairs in the event of an accident that happens in accordance with a Knock-For-Knock (KFK) agreement.

     

    Steps

    If you need to file a third party claim with another insurer:

    1. Report the accident to the police within 24 hours as required by law

    2. You may opt to send your vehicle to our approved repairers for repair.

     

    Document Checklist

    • Police report (original copy)
    • Police report slip (copy)
    • Updated vehicle's registration card / vehicle ownership certificate (VOC) or proof of ownership
    • Claimant's identity card (copy)
    • Claimant's driving licence (copy)
    • Insurance policy/certificate (copy)
    • Business registration (copy) - if applicable
    • Third party’s police report
    • Police finding or police compound
    • Police sketch plan & keys
    • Approved repairer estimate or repair bill 
    • Adjuster's report and original photographs depicting damages
    • A signed demand letter from insured
    • Photos of the scene of the accident with the vehicle in its original position prior to being towed away (if available)

    Other relevant documents which may be requested by the third party insurer.

    Additional Notes

    1. Should I send my vehicle for damage repair at your approved repairer if I opt for Third Party Property Damage (TPPD) claim against third party’s insurer?

    You may send your vehicle to your own preferred repairer but you are encouraged to approach our approved repairer.

    2. What is Compensation for Assessed Repair Time (CART) claim?

    CART is the new terminology for loss of use approved in accordance with Bank Negara Malaysia Guideline. You can claim for CART under TPPD claim against third party insurer for the loss of usage when your vehicle is garaged for repair. Assessed Repair Time indicates that the compensation is based on the independent loss adjuster’s assessment of the time required for repairs (not the number of days that your vehicle is in the workshop).

    It shall exclude any delays, howsoever and/or by whomsoever caused, which may occur before and/or after the actual repair.

    3. What is the difference between CART under own policy benefit and CART against third party insurer?

    Insured can enjoy CART benefit by the payment of additional premium based on cover purchased on rate per day and number of days. Such benefit is similar to TPPD-CART as it shall be payable based on the loss adjuster’s assessment of the days required for actual repair but exclude any delays howsoever caused whether the claim for loss or damage to your vehicle is either lodged with us or against a third party.

    In any dispute, the assessed repair time determined by us shall be final.

    As for the insured’s third party claim on CART, it is subject to the principle of indemnity and any sums paid under this benefit will be subtracted from the said third party claim.

    4. Will my NCD entitlement drop to zero with a single claim?

    If you or anybody else meets with an incident that will give rise to a claim on this policy, the NCD entitlement that you have accumulated will drop to zero at the next renewal and your NCD will start all over again. If a claim is received after the NCD has been applied, we shall be entitled to recover the NCD given to you.

    Exception to this Rule:

    Your NCD will not be affected even if a claim is made if:

    • We are of the opinion that you are not at fault for causing the loss;
    • The offending vehicle is identifiable and is not a vehicle used for carriage of passengers for hire or reward (for example taxis, hire cars, public buses, stage buses, school buses and factory buses for hire);
    • The offending vehicle is insured by a Malaysian licensed insurer; and
    • There is no death or personal injury claim involved.
  • Third Party Property Damage Claims (against Kurnia/AmAssurance customer)

    Overview

    A claim made by a third party who was involved in a car accident with a Kurnia/AmAssurance customer.

    Steps

    1. Report the accident to the police within 24 hours as required by law.

    2. Prepare all the relevant claims documents for speedy processing - please refer to the Documents Checklist section below.

    3. You may choose to notify a third party claim via Liberty General's Online Claim Registration Portal.

    Note: for online claims, please refer to this user guide.

     

    Document Checklist

    The documents listed below are requested without prejudice basis.

    You will need to provide documents that are relevant to your claim. Further documents may be requested during claim processing.

    • Signed demand letter with a detailed breakdown of claims
    • Warrant to act (if appointing a solicitor to act on behalf)
    • Copy of claimant's motor policy schedule
    • Updated vehicle's registration card / vehicle ownership certificate (VOC)
    • Copy of claimant's/driver's identity card
    • Copy of claimant's/driver's driving Licence valid at the material time of the accident
    • Original/Certified true copy of insured's police report
    • Original/Certified true copy of third party's police report
    • Original/Certified true copy of other party's police reports (If more than 2 vehicles were involved in the accident)
    • Original/Certified true copy of police sketch plan & keys
    • Original/Certified true copy of police investigation outcome
    • Original police photographs
    • Original adjuster report and photographs
    • Original adjuster fees invoice/receipt
    • Approved repairer estimate or bill
    • Original photographs taken at the scene of accident, if any
    • Vehicle dashcam footage, if any
    • Original car rental agreement (for uninsured losses claim)
    • Original car rental receipt (for uninsured losses claim)
    • Original receipt for payment of excess / under-insurance / police documents/ JPJ search (for uninsured losses claim)
    • Vehicle permit (for commercial vehicles)
    • Goods driving licence (GDL) or public services licence (PSV) - for commercial vehicles
    • Proof of ownership of the property (for property damage claim)
    • Original quotation/bill from contractor (for property damage claim)
    • Original receipt for payment of the property damages (for property damage claim)
    • Original photographs before and after repair of the property damages
    • Copy of business registration - Form A/B (for sole proprietor/partnership)
    • Copy of Form 8/9/24/49 (for Sdn Bhd / Bhd)

     

    Additional Notes

    1. If I have a comprehensive policy, can I submit a claim on cost of repair through third party claim?

    Yes. However, you are encouraged to submit your claim to your own insurance company for speedier processing. Thereafter, you can submit your third party claim for Compensation for Assessed Repair Time (CART), policy excess paid or under-insured paid.

    2. How is the Compensation for Assessed Repair Time (CART) calculated?

    CART is calculated based on the independent loss adjuster’s assessment of the time required for repairs and not based on the number of days that your vehicle is in the workshop. A standard scale of CART per day has been specified by PIAM as follows:

    Private Use Vehicles Up to 1500cc RM30
    Above 1500cc and up to 2000cc RM40
    Above 2000cc RM50
    Commercial Vehicles Up to 1 tonne RM40
    Above 1 tonne and up to 2 tonnes  RM60
    Above 2 tonnes RM90
    Trailer Lorries RM120
    Buses (Private) RM90
    Other Buses (Stage/Express) RM180
    Taxi / Hire and Drive RM40
    Motorcycles Up to 250cc RM10
    Above 250cc RM15

     

    3. Can I claim for car rental instead of CART in TPPD claim?

    Yes, you may claim the cost of hiring a replacement vehicle of equivalent type and capacity for the recommended number of days of actual repair time. The car must be rented from a duly registered and licensed car rental agency. Make sure you submit the car rental agreement and receipt to substantiate the claims.

  • Motor Bodily Injury Claims

    Overview

    All claims for injuries or fatalities by the third party(ies) that arise as a result of a motor vehicle accident involving our insured’s vehicle(s).

     

    Who can make a Motor Bodily Injury Claim?

    Third party(ies) who sustained injuries or dependent(s) of the deceased third party(ies).

     

    Steps

    1. If you are involved in a motor vehicle accident in Malaysia/Singapore or Brunei, you are required to notify your insurance company of the accident and render the necessary assistance when required regardless whether you are at fault.

    2. In the event that you and/or your passengers are injured or if there are any fatalities due to our policyholder's (insured's) negligence, you may pursue a Motor Bodily Injury claim against us. However, if the accident was caused by any other third party vehicle(s), you are to submit your claim directly against the third party insurer concerned.

    3. Alternatively, if the accident was due to your own negligence, a claim may be filed against you. Please forward all correspondences including Court summons received pertaining to the accident unanswered to your insurance company immediately.

     

    Document Checklist

    • All relevant police documents
    • All relevant medical reports
    • Photos/Video footage regarding the accident (if any)
    • All bills and receipts to substantiate your claim

    For fatal claims only:

    • Proof of relationship
    • Death certificate
    • Burial permit
    • Post-mortem report

    Note: The list above is not exhaustive. The documents required may vary depending on each case. We reserve the right to conduct an investigation on any claims submitted.

     

    Submission of documents

    Please submit the relevant documents by hand or via fax, email, post or courier to our Head Office / nearest branch.

     

    Additional Notes

    1. What should I do if I’m involved in a road accident?

    You are advised to do the following:

    a) If you've sustained any injuries, please seek medical treatment from the nearest hospital/clinic.

    b) Notify us immediately if you require assistance at the scene of the accident via the AmAssurance One Touch Application or call our Auto Assist hotline at 1800 88 3833.

    c) Write down the vehicle’s registration number and particulars of the parties involved.

    d) Take pictures of the injured person(s), vehicle(s) involved and scene of accident.

    e) Lodge a police report within 24 hours. If you need to be hospitalised, lodge a police report once condition permits.

    2. I did not make an Own Damage claim. Why did I lose my No Claim Discount (NCD)?

    Your NCD will be forfeited if there is a claim submitted by the injured party who was involved in the accident with you.

    3. What should I do if I receive a letter(s) or “Section 96 Notice” or Court Summons from a third party lawyer?

    a) Immediately notify us/agent and submit relevant documents.

    b) DO NOT contact the injured party (Claimant) lawyer.

    c) DO NOT admit liability.

    d) Kindly render full cooperation to us as we may appoint an adjuster to investigate the accident and a lawyer to represent you in court.

    4. I have received a letter from a lawyer to attend court. What should I do?

    Call us immediately and we shall advise you accordingly.

    5. What do I need to do if I received a letter(s) or a claim form from my Insurance Company but I was not involved in the accident?

    Talk to us and we will advise you further. We may appoint an adjuster or a lawyer to assist you in this matter.

    6. Can I claim for the injury(ies) that I had sustained?

    Yes, you may. However, you have to pursue the claim against the Insurance Company covering the vehicle that collided into you (or your vehicle).

  • AmAssurance Express Claims

    Overview

    Immediate settlement for Own Damage Claims, offering a faster, easier, more efficient and convenient way to make a motor repair claim.

     

    Who can make an AmAssurance Express Claim?

    • Only valid for private car comprehensive motor insurance policyholders.

    • Only one AmAssurance Express claim can be made in 365 days (date calculated based on the last AmAssurance Express claim).

     

    Steps

    1. Report the accident to the police within 24 hours as required by law.

    2. You need to bring the vehicle and required documents to our Head Office or nearest branches within 48 hours.

    3. Submit the claim at our office with the required documents (Insured and Driver need to be present).

    Note: If the police report is not available at the time, you may submit the “police report slip” instead of waiting for the police report. The police report must be submitted at any time before the payment is made.

     

    Document Checklist

    • Claims form
    • Police report (original copy)
    • Police report slip (this can be used to initiate the claim but the original police report is still required)
    • Updated vehicle's registration card / vehicle ownership certificate (VOC)
    • Insured's and driver's identity card (copy)
    • Insured's and driver's driving licence (copy)
    • Insurance policy/certificate (copy)
    • Business registration (copy) – company-registered vehicles only

     

    Additional Notes

    1. What are the benefits of making an AmAssurance Express Claim?

    • It is a simple process.
    • Claim is processed immediately upon receipt of full documentation. Vehicle must be driven to our Head Office or any of our branch offices within 48 hours for claims up to RM5,000* for comprehensive and up to RM10,000 for auto365 policies.

    2. What are the conditions for making an AmAssurance Express Claim?

    • Lodge a police report within 24 hours.
    • You have 48 hours to notify us.
    • The car can still be driven and not towed to us.
    • The estimated cost of repair is up to RM5,000* for comprehensive and up to RM10,000 for auto365 policies.
    • Ensure claim documents are completed.
    • Duly signed Claim Form.
    • Documents for submission must be clear and easy to read.

    Please note that no AmAssurance Express claims are allowed within one calendar year from the last AmAssurance Express claim filed. If you need further clarification or information, you may call us at 1 800 88 6333.

    *Terms and Conditions apply.

     

    3. What should I do if my AmAssurance Express claim is rejected?

    You can send your vehicle to an approved repairer for normal own damage repair.

    4. Will my NCD entitlement drop to zero with a single claim?

    If you or anybody else meets with an Incident that will give rise to a claim on this policy, the NCD entitlement that you have accumulated will drop to zero at the next renewal and your NCD will start all over again. If a claim is received after the NCD has been applied, we shall be entitled to recover the NCD given to you.

    Exception to this Rule:

    Your NCD will not be affected even if a claim is made if:

    • We are of the opinion that you are not at fault for causing the loss;
    • The offending vehicle is identifiable and is not a vehicle used for carriage of passengers for hire or reward (for example taxis, hire cars, public buses, stage buses, school buses and factory buses for hire);
    • The offending vehicle is insured by a Malaysian licensed insurer; and
    • There is no death or personal injury claim involved.
  • Extended Warranty Claims

    Overview

    It is a claim that covers the Repairs and/or Replacement cost of vehicle parts and components that fail to operate as a result of Mechanical or Electrical breakdown and/or failure.

     

    Steps

    1. In the event of a claim, you are required to send your vehicle to the nearest Service Provider’s Authorised Service Centre / Approved Repairer.

    2. All claims must be supported with relevant documentation.

    Note: We may need you to authorise certain work to Service Provider Workshop before they can commence any work since the approved repairer cannot ascertain whether the failure is covered by this Policy / Schedule / Warranty Service Booklet without dismantling your vehicle.

     

    Document Checklist

    • Warranty service booklet
    • Warranty service contract certificate
    • Service maintenance record and invoices as proof of servicing
    • A copy of your identity card (IC)
    • Updated vehicle's registration card/vehicle ownership certificate (VOC)
    • Diagnostic report or photos showing faulty components
    • Photos showing full view of your vehicle, engine number and chassis number.

     

    Additional Notes

    Important Terms and Conditions

    • Parts used in repairing your vehicle may be manufactured by other manufacturers but will still be compatible with the age and condition of your vehicle.
    • No repairs may be undertaken or commenced under the terms of the warranty service contract without prior approval from us.
    • We reserve the right to examine the vehicle and subject it to independent assessment.

     

  • Motor Personal Accident (PA) Claims

    Overview

    Personal Accident insurance or PA insurance is an annual policy that provides compensation in the event of Disability or Death caused by violent, accidental, external and visible events.

    Motor PA protects your finances by providing a lump sum compensation in the unfortunate event of a fatal accident or one that disables you permanently. The compensation shields you and your loved ones from a financial crunch. This insurance also covers accidental hospitalisation costs and weekly benefits.

    Note: The amount of compensation depends upon the sum insured.

    Who can make a Motor Personal Accident (PA) Claim?

    An individual Insured person(s) / An insured entity or a valid Nominee when acting on behalf of someone who had died due to accidental means as stipulated under the Personal Accident policy.

     

    Steps

    1. Obtain the claim form from our Head Office or nearest branches.

    2. Insured / Insured Person / Claimant needs to fill in the claim form. Please include the relevant supporting documents as required.

    3. Kindly submit the completed claim form via our agent or to the nearest Liberty General Insurance branches.

     

    Document Checklist

    The details below are the minimum required documents to support your claim. Please be aware, however, that the claims examiner may require additional documents at the time of review of your claim.

    To expedite the claim process, please provide all documents directly to the claims examiner and include the policy/claim number in your subsequent documents’ submission.

    1. Accidental Death

    • Completed claim form
    • Death certificate
    • Post-mortem report
    • Burial certificate
    • Police report and copy of driving licence (if involved in a motor vehicle accident
    • Letter of administration (claim > RM100,000) and statutory declaration from next of kin (claim < RM100,000)
    • Sijil faraid for Muslims
    • Nominee relationship proof (e.g: birth certificate, marriage certificate)
    • A copy of national registration identity card (NRIC)

    2. Permanent Disablement (PD)

    • Completed claim form
    • Police report and copy of driving licence (if involved in a motor vehicle accident)
    • Medical report including comment on the percentage of disability
    • Original photographs of insured person / claimant (full & close up on the injury and disability)
    • A copy of national registration identity card (NRIC)

    3. Hospital Income

    • Completed claim form
    • Medical report
    • Copy of in-patient hospitalisation invoice
    • Police report (if involved in a motor vehicle accident)
    • A copy of national registration identity card (NRIC)

    4. Ambulance Fee

    • Completed claim form
    • Police report (if involved in a motor vehicle accident)
    • Original receipt of the ambulance fee
    • A copy of national registration identity card (NRIC)

    Note: The above documents are not exhaustive as further supporting documents may be required if deemed necessary.

     

    Additional Notes

    1. What is meant by "accident" and "accidental death"?

    An accident means an event resulting in bodily injury occurring whilst this policy is in force, where the injury is directly and solely caused by accidental, violent, external and visible means and where the injury is not self-inflicted.

    Accidental death means death occurring as a direct result of an accident that took place while the life insured was covered under the policy and where death occurs within 12 calendar months of the accident.

    2. I have a personal accident policy with another insurer. Can I take up another policy with Liberty General Insurance? Will both policies pay for claims?

    Yes, you can take up a PA policy with more than one insurance company. In the event of a legitimate claim, you will receive the full amount payable under your PA policy even though you have received compensation from another insurance company, except for medical expenses where we will only reimburse you for the amount that has not been reimbursed under any other policy.

    3. Can a person claim for medical expenses due to illness/disease?

    No. A PA policy pays only for medical expenses to treat bodily injury caused by accidental means.

    4. Does Personal Accident (PA) insurance provide coverage for Bereavement/Funeral Expenses?

    Yes, if you choose to purchase our PA Supreme Insurance policy and/or Kurnia Star PA Insurance policy or other specially arranged policy.

    5. What are the weekly benefits?

    If the insured person is temporarily unable to engage in or attend to his/her profession or occupation due to bodily injury caused by an accident as certified by a medical practitioner, the Company will pay the Insured Person the amount specified under Weekly Benefits (Temporary Total/Partial Disablement), effective from the date of confirmation of such temporary disablement by a registered medical practitioner.

    6. I already have a health and life insurance cover. Why should I buy Personal Accident Insurance?

    Life insurance offers death benefits to your nominee in case of your demise. Health insurance provides compensation and/or reimbursement of hospitalisation and other medical expenses.

    A PA Insurance policy, on the other hand, insures against financial risk that could arise due to accidental injury, permanent total disability or accidental death of the insured person by offering a variety of benefits e.g. death, permanent disablement, hospital income and weekly benefits.

    7. I am a homemaker who spends the majority of time at home. Do I also need personal accident insurance?

    Accidents can happen to anyone anywhere. Motor accidents, rail accidents, natural calamities, the list is endless and can sound scary. But getting intimidated is not the solution, being financially prepared is. Opting for Personal Accident Insurance helps you to meet expenses in case a crisis arises.

    8. I have a family to support. To whom will the payment be made in the event of death?

    For Muslims:

    The settlement amount will be paid to the person mentioned in the sijil faraid, which will be required irrespective of the amount involved.

    For Non-Muslims:

    a) Policy with Nominee

    All you need to do is to nominate the beneficiary in the policy document. The settlement amount will be paid to your nominee by the insurance company.

    b) Policy without Nominee

    • Statutory declaration will be required for claims less than RM100,000 (< RM100,000).
    • Letter of administration will be required for a claim more than RM100,000 (> RM100,000).
    • The settlement amount will be paid to the person as mentioned in the letter of administration.
  • Medical Claims Made Easy

    Here’s a quick and easy guide to AmAssurance Medical Insurance admissions and claims.

     

    For Admissions

     

    1. Call the 24-Hour AmAssurance Call Centre for the location of the nearest AmAssurance Panel Hospitals. Remember this number: 1 800 88 6333
    2. Present your Medical Card at the Admissions Counter.
    3. If the policy is in force and the condition is covered, a Guaranteed Letter will be sent. If not, a Letter of Decline will be issued.
    4. If successful, you may be required to pay a deposit, based on hospital requirements, before admission.
    5. For discharge processing, the Panel Hospital will prepare the Discharge Documentation to be processed by the AmAssurance Medical Insurance Department. A Payment Advice will be produced.
    6. You will be discharged upon settling incidentals or non-covered expenses.

     

    For Reimbursement Claims

     

    1. If you choose to be admitted to a non-AmAssurance Panel Hospital under Reimbursement Claims Procedures, you will need to send us a written notification within 30 days of admission.
    2. Complete Claims Documentation must be submitted within 30 days from the discharge date, consisting of:
    3. Original Itemised Bills & Receipts
    4. Complete Claim Form
    5. Completed Physician’s Medical Report
    6. Other Relevant Claims Documents
    7. For covered conditions, an offer letter and discharge voucher will be issued on the amount payable. When the signed discharge voucher is received, AmAssurance will issue claims payment.
  • General Claims FAQ: No Claim Discount

    What is NCD?

     

    Short for No Claim Discount, it is a discount you get when you renew your motor insurance if you make no claims for a continuous coverage period of 12 months. The discount rate is fixed as per the Persatuan Insurans Am Malaysia (PIAM) Motor Tariff.

     

    • Period of Insurance: After Year 1 - Discount Rate: 25%
    • Period of Insurance: After Year 2 - Discount Rate: 30%
    • Period of Insurance: After Year 3 - Discount Rate: 38.33%
    • Period of Insurance: After Year 4 - Discount Rate: 45%
    • Period of Insurance: After Year 5 / Subsequent Years - Discount Rate: 55%

     

    Will I have NCD for a first time vehicle purchase?

     

    No. Only when you renew your motor insurance policy after at least one claims-free year will you receive your first 25% NCD off your renewal premium.

     

    Can I transfer my NCD from one vehicle to another?

     

    Yes! This happens when you sell your old vehicle and want to transfer your NCD to the vehicle you are buying. If you don’t do this transfer, your NCD entitlement level will drop one level each year. For example if your NCD entitlement is 55% this year, it will drop to 45% next, and so on until it reaches zero. So make sure you transfer your NCD!

     

    What can cause the NCD to be forfeited?

     

    If any claims are made or arise (except for windscreen and No-Fault Own Damage claims) on your policy, your NCD for the vehicle is forfeited. You will have to start all over again in a new cycle.

  • General Claims FAQ: Excess

    What is excess?

     

    This refers to the amount that you are responsible for paying according to the terms and conditions of your policy, in respect to each claim payable. This includes the cost and expenditure incurred by the insurance company to conduct, defend and settle any claim for the loss or damage of your vehicle, as well as damage to 3rd party property resulting from the use of your vehicle. For instance, if the excess stated on your policy is RM200, and the total claim amount is RM1,500, your insurer will pay RM1,300 while you pay the remaining RM200.

     

    What is Compulsory Excess (2F Endorsement) and how does it apply?

     

    For a Private Car Motor Policy, you are responsible for a compulsory excess of RM400 for each claim, in addition to the excess stated in the Schedule (if any) if your vehicle is being driven by any of these persons authorised by you:

     

    • Any authorised person not named in the Schedule
    • Any authorised person under 21 years of age
    • Any authorised person who is the holder of a driving licence with less than 2 years’ driving experience
    • Any person named in the policy Schedule who is less than the age of 21 years and/or the holder of a provisional (L) driving licence and/or the holder of a Full Driving licence for less than 2 years
  • General Claims FAQ: Under Insured

    How much should I insure my vehicle for?

     

    You should insure your vehicle based on the market value of your vehicle at the time of renewal or the commencement of your motor policy. This value is also called the Sum Insured of your vehicle in your motor policy.

     

    My insurer told me that my claim would be paid based on the Average Clause because my car is under insured, even though I have a comprehensive motor policy. What is this Average Clause, and why was I not advised about it when I insured my car?

     

    The Average Clause is applied whenever your vehicle is insured for a sum less than its market value at the time of any loss or damage. You will need to bear the difference proportion of the loss when the market value of your vehicle at the time of loss exceeds the insured value by 10%. It is your responsibility to find out the actual and current value of your vehicle before insuring it, but we advise you to speak to your agent for assistance when it comes to market valuation.

  • General Claims FAQ: Betterment

    What is betterment, and why is it applied to my claim when I am entitled to full compensation?

     

    Betterment is a scale (%) imposed on a vehicle aged above 5 years when new franchise parts are used during an accident repair that was paid by the insurance company. You will need to bear the betterment charges because your old damaged parts were replaced with new franchise parts; this is due to the fact that the motor insurance policy only indemnifies your vehicle in the condition just before the accident. Betterment is applied at the discretion of the insurance companies based on the Scale of Betterment approved by Bank Negara Malaysia.