Tokio Marine Motor Insurance
Overview
Motor insurance plan is a compulsory class of insurance policy for all autos certified to be used on public roads, as per the Road Transport Act 1987. Motor Insurance policy is a Tariff class and is governed by the rules and laws stipulated in the Motor Tariff issued by Persatuan Insuran Am Malaysia (PIAM).
Classification of Motor Insurance:
- Non-public Auto – Specific Use and Company Use
- CommercialVehicle
- Motorcycle
- Motor Trade Policy (Street Risk)
Types of coverage offered are:
a) Thorough Cover
The coverage will indemnify you if your vehicle is damaged or misplaced in the following situations :-
- by accidental collision or overturning
- by collision or overturning triggered by mechanical breakdown or consequent on wear and tear.
- by affect damage caused by falling objects supplied no convulsion of nature is concerned.
- by fireplace explosion or lightning
- by burglary, housebreaking or theft
- by malicious act
- when in transit (including its loading and unloading) by :
- road, rail inland waterway
- immediate sea route across the straits in between the island of Penang and the mainland
Transportation of damaged automobile of up to RM200.00 (for Non-public Car and Commercial Car) and RM50 (for motorcycle) as towing fees to the nearest repairer or to the Insured’s address will be reimbursed.
In addition, the coverage will also cover the third party liability.
The widespread additional positive aspects obtainable under complete cover (subject to added premium) are :
- Windscreen Cover
- Inclusion of Unique Perils
- Strike Riot and Civil Commotion (SRCC)
- Legal Liability of Passenger (LLP)
- Further Named Driver
b) 3rd Party Fire and Theft Cover
- Dying or bodily harm
- Damage to 3rd social gathering residence
- Damage or hurt to the motor vehicle because of to hearth, explosion, lightning, housebreaking or theft
c) 3rd Get together Cover
The policy indemnify you or your authorized driver for the sum which you or your authorized driver are legally liable to spend (like claimants’ expense and expenditures) for:-
- Dying or bodily injuries – total liability is unlimited
- Hurt to 3rd party home – complete liability is minimal to RM three million in respect of any claim or collection of statements arising out of one particular function.
Tokio Marine Car Partner Support
A 24-hour motor support support for breakdowns and accidents offered to every TMIM’s thorough motor policyholder wherever most of the services offer are free of charge
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