Private Car Coverage (Comprehensive Insurance)  MALAYSIA
 
  Section A : Loss or Damage To Your Vehicle 
  1. Insurer will cover you if your vehicle is damaged or loss in the following circumstances:-

  a) by accidental collision or overturning
   b) by collision or overturning caused by mechanical breakdown
   c) by collision or overturning caused by wear and tear
   d) by impact damage caused by falling objects provided no flood, typhoon, hurricane, storm, tempest, volcanic  eruption, earthquake, 
       landslide, landslip, subsidence or sinking of soil/earth or other convulsion of nature is involved
   e) by fire explosion or lighting
   f)  by burglary, housebreaking or theft
   g) by malicious act
   h) when in transit including its loading and unloading by:
       i) road rail inland waterway
       ii) direct sea route across the straits between the island of Penang and the Mainland

  2. Basis of settlement
  
  a) Insurer will at their option
       i) pay the cost of repairs to your vehicle, or
       ii) pay in the cash the amount of the loss or damage to your vehicle, or
       iii) reinstate or replace your vehicle
  b) The maximum amount the insurer will pay is the market value of your vehicle at the time of the loss or the sum insured in the Policy
      whichever is the lower figure
  c) If your vehicle shall at the time of happening of any loss or damage be insured for sum lesser than its market  value then, you shall be
      considered as being your own insurer for the difference and shall bear the rate able 
      proportion of the loss accordingly. Provided always that this shall not apply unless the market value at the time  of the loss exceeds the
      insured value by 10% or more
  d) The market value of your vehicle would be determined in the event of a dispute by the head office of the franchise  holder and this value
      would be equal to the cost of purchasing a replacement vehicle of the same make, model  and age of your vehicle at the time of loss
  e) In the event no franchise holder is available for your make of your vehicle, the market value of the vehicle would be determined by a
      Loss Adjuster licensed under the Insurance Act, 1996and its subsequent legislation agreed to by both you and  insurer
  f) The valuation done by the relevant Head Office of the franchise holder or loss adjuster licensed under the Insurance Act, 1996 and its
     subsequent legislation will be conclusive evidence in respect of the market value of your vehicle in any legal proceedings against the
     insurer

  3. Transportation of Damaged Vehicle

    Insurer will pay you up to RM200 as towing charges for taking your vehicle to either the nearest repairer or towing the vehicle by
     returning it to your address as shown on the schedule or towing it to a secure place for it to be garaged, provided your vehicle has been
     damaged by circumstances described in this section

  4. Insurer will NOT pay for
 
  a) consequential losses of any nature
  b) the lost of use of your vehicle
  c) depreciation, wear and tear, rust and corrosion, mechanical or electrical or electronic breakdowns, equipment or computer malfunction,
      failures or breakages to your vehicle except breakage of windscreen, window or sunroof including lamination/ tinting film, if any.
  d) damage to your vehicles tyres unless your motor vehicle is damaged at the same time
  e) any loss or damage caused by or attributed to the act of cheating / criminal breach of trust by any person within the meaning of the
      definition of the offence of cheating / criminal breach of trust set in the penal code
  f ) the Excess stated in the schedule
  g) the failure or inability of any equipment or any computer program to recognise or correctly to interpret or process any date as the true
      or correct date or to continue to function correctly beyond the date

 
  Section B : Liability to Third Parties
 
1. Insurer will pay the amount which you or your authorized driver are legally liable to pay (including claimant's costs
      and expenses) for :-

  a) death or bodily injury to any person except those specifically excluded under exceptions to Section B
  b) damage to property as a result of an accident arising out of the use of your vehicle provided your authorised driver also follows all the
      terms and conditions of the policy that you are subject to

  2. Limits of Insurer Liability

      Insurer total liability under this section B1 (a) is unlimited                     ) In respect of any one claim or series of claims arising out of one
      Insurer total liability under Section B1 (b) is limited to RM3 million         ) event

  3. Cover for Legal Representatives

      Following the death of any person covered under this Policy, Insurer will indemnify that person's legal representatives for liability
      covered  under this Section, provided such legal representatives follow all terms and conditions of this policy

  4. Legal Costs

      Insurer will pay legal costs incurred up to a maximum of RM2,000.00 for defence of any charge including the charge of causing deaths
      by  driving the Motor Vehicle (other than murder) if insurer prior written agreement had been secured

  5. Insurer will NOT pay for 

  a) death or bodily injury to any passenger being carried for hire or reward
  b) death or bodily injury to any person where such death or injury to arises out of and in the course of the employment of such person
      by you or by your authorised driver
  c) damage to property belonging to or in the custody of or control of or held in trust by you or your authorised driver or any member of
      your household under this section
  d) liability to any person who is a member of your household or your authorised driver who is a passenger in your vehicle unless he/she is
     being carried by reason of or in pursuance of a contract of employment
  e) any claims brought against any person in any country in courts outside Malaysia, the Republic of Singapore and  Negara Brunei
      Darussalam

  NOTE: The above is only an explanation of the insurance coverage and not an Insurance Policy. The actual Policy will be provided by the
             Insurer
 
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