Accident Claim Insurance: How To Claim in Malaysia?

Accident Claim Insurance: How To Claim in Malaysia?

by | Aug 4, 2023 | Car Insurance

Accident Claim Insurance

Zurich Travel Insurance

Road accidents can happen for a variety of reasons, including skidding, entering the opposing lane, negligence, following vehicles too closely, and so on. As a result, it is critical that every car has insurance so that the cost of repairs is covered by the insurance you bought.

Although filing an insurance claim in Malaysia can be tough, it is doable with the right information and preparation. You can normally file two types of claims: your own damage and third-party injuries. We’ll go over how to claim car insurance for your vehicle here, and perhaps we hope it’ll be useful.

Types of Accident Claims

In the event of a car accident, you have two options for filing an insurance claim. The claims involved, depending on the nature of the accident, are either:

  • Own damage claim: A claim made against your own insurance policy. The disadvantage is that you can lose your no-claim discount (NCD).
  • Third-party claim: A claim made against a third party (often the other person involved in the accident).

Own damage claim

If your car was involved in an accident and you happen to have comprehensive car insurance, you are able to file a claim under “Own Damage Claim” or “No-Fault Damage Claim.” In this manner, the accident will appear to be someone else’s fault.

Do not forget that only comprehensive car insurance provides you with the benefit of filing a claim for your car. You are not able to do so if your sole car insurance coverage is third-party.

However, there is a chance that you will forfeit your right to the No Claim Discount (NCD) if you file an own-damage claim. The percentage of the NCD will reset to 0% when you use your NCD entitlement.

Guidelines for Car Insurance Claim Procedures: Own Damage

1. Immediately contact your insurance provider

Inform your insurance provider right away if you have been involved in an accident. This will enable your insurance to advise you on what to do and recommend which panel shop to send your car to if the car requires any repairs.

2. File a police report

Immediately file a police report. To avoid being penalised, make sure to file a police report within 24 hours. Apart from that, your insurance provider will also require a copy of the police investigation report in its original form.

3. Take as many photos as you can to provide as proof.

Do not leave the scene until it is all settled. Take lots of photos because they will serve as proof. As examples:

  • Snap a picture of the third-party vehicle and your car, preferably from a 360-degree perspective.
  • The licence plate of a third party
  • Identification card of the third party
  • Exchange crucial data (a full name, MyKad number, driver’s licence number, and contact information).

Remember that if you want to avoid being scammed by a third party, ensure to call their phone number before leaving the accident scene!

4. Compile all necessary documentation for the car insurance claim.

These records are required by your panel workshop when you submit a claim:

  • The original police report’s copy
  • An actual copy of the results of the police inquiry
  • Form for reporting a car accident
  • Form for submitting a claim to an insurance provider
  • Identification card of the driver (MyKad)
  • Identification card of the policyholder
  • Estimated costs of repairs

5. Submit all the required paperwork to the insurance provider or the panel workshop.

After following those list of paperwork guidelines, provide the insurance company with all the necessary paperwork. While the representative from your insurance company investigates the issue with your vehicle and estimates the cost of repairs.

Third-Party Claim

The fundamental or required level of car insurance for safe driving is third-party coverage. However, third-party claims only pay for personal losses or fatalities that result from an accident, as well as any harm your car causes to another person’s vehicle.

You would have the advantage of filing a third-party claim if you were not the accident’s cause. Without using or forfeiting your No-Claim Discount (NCD), the third party compensates you for damages to your car.

Guidelines for Car Insurance Claim Procedures: Third-Part Claim

1. File a police report within 24 hours

If you fail to file a police report within 24 hours of the accident or as soon as possible after it occurs, you risk receiving an unwarranted RM300 fine.

2. Take as many photos as you can to provide as proof.

Some of the important details you’d need to capture are:

  • Snap a picture of the third-party vehicle and your car, preferably from a 360-degree perspective.
  • The license plate of a third party
  • Identification card of the third party
  • Exchange crucial data (a full name, MyKad number, driver’s license number, and contact information)

Before leaving the accident scene, make sure to call the third party’s phone number to avoid being scammed.

3. Ensure that the third-party insurance provider receives your car

As soon as possible, you should bring your car to the panel shop of the third-party insurance provider.

4. Hire a certified adjuster to evaluate the loss

To ascertain and analyze the entire cost of the damage and compensation for assessed repair time (CART), it would be beneficial if you hired a licensed adjuster on your own or through a workshop.

The acronym CART stands for the amount of time it takes to fix your car at the shop. Visit the PIAM website for further details if you are unfamiliar with the daily CART standard gauge.

5. Remember to submit to the third party’s insurance company all the required paperwork.

The following documents are required of you:

  • The original police report’s copy
  • An actual copy of the results of the police inquiry
  • A copy of your identification card (MyKad)
  • A copy of your driver’s license
  • Your car’s registration card
  • Photo of the damaged car
  • A bill of repair estimate for your car (or other damaged property) is to be included in the certified adjuster’s report that has been appointed

Conclusion

Your goal as a responsible driver is not only your safety but also the safety of other drivers and passengers on the road. Therefore, be sure that your car insurance is still active. You never know what can happen. Just make sure you follow the steps we’ve stated above!

If you want an instant car insurance experience with the lowest rates, look no further than Fatberry, an online platform that provides you with a wide selection of insurance solutions at the best price. You have the freedom to choose the insurance companies and plans that best meet your needs and expectations. Besides that, Fatberry also offers other types of insurance such as travel and medical.

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Fatberry is a comprehensive platform with a wide range of car insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

 

 

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Tune Protect Car Insurance

Tune Protect Car Insurance

by | Jul 26, 2023 | Car Insurance

Tune Protect Car Insurance

Tune Protect Car Insurance

Photo: Tune Protect

Tune Protect provides a variety of protection plans to match the specific requirements of each individual. No matter whether you’re seeking protection towards or away on your travels, personal accidents, or even safeguarding yourself from snatch theft, it can all be protected with a few easy clicks! They offer many types of insurance, allowing consumers to select the best plans for themselves!

Tune Protect Motor Easy

Tune Protect Motor Easy is the place to go if you want to renew or apply for a new car insurance plan. This is an online comprehensive car insurance plan that protects you in the event of an accident, auto theft, third-party property damage, and third-party injury liability.

Aside from the basic plan, you can supplement it with additional covers such as windscreen protection and spray paint coverage. To make things even better, you can earn a 10% rebate with your chosen plan when you buy Tune Protect Motor Easy insurance online!

Key Benefits:

  • 24/7 Emergency Service: Call their toll-free number 1800-22-8863 which provides 24-hour emergency services.
  • Comprehensive Protection: Accidents, theft, fire, and third-party liabilities are all covered.
  • Sum Agreed Upon Or Market Value: You are guaranteed to get the sum agreed upon in the insurance plan.
  • Panel Workshops: More than 300-panel workshops across the country for speedier repairs and claims processing.
  • Guaranteed Authorised Panel Workshop: Your pleasure is guaranteed by a free 6-month guarantee on car workmanship and replacement components from an official panel repair.

Add-Ons

  • Windscreen: Optional coverage for windscreen damage has no effect on the No Claim Discount.
  • Coverage with Spray Paint: Additional spray paint protection.
  • Special Perils Cover: You can insure your vehicle in the event of a natural disaster. This includes floods, typhoons, and hurricanes, as well as storms and landslides.
  • Allowance for Car-Less: Tune will pay a daily allowance to cover the cost of repairs if your car is damaged and in need of repair.
  • Strike, Riot and Civil Commotion: Your car is critical to your safety and the safety of everyone else on the road. Tune can pay the loss if it was damaged as a result of a strike, riot, or public disturbance.
  • Legal Liability of Passengers: Guarantee compensation to your passenger in the event of a car accident resulting in death or physical injury.
  • Legal Liability to Passengers: Gives protection from legal action taken against you by your passengers.
  • Passenger PA Protection: Passengers get additional personal accident coverage.
  • Compensation for Assessed Repair Time (CART): Compensation is granted depending on the estimated repair time of your vehicle throughout the repair period.
  • AutoBuddy: This is an add-on to the Motor Private Car Policy that provides compensation in the case of death or physical injury caused by an accident. The named driver(s) and/or passengers are protected from incidents that occur while driving, getting aboard, or alighting from their vehicle with this coverage.

Why Should You Get Tune Protect Car Insurance?

  • Pay-As-You-Drive (PAYD): This is an additional benefit that comes at no additional expense! You are rewarded for driving less by receiving a 20% rebate on your basic premium paid upon the conclusion of a 12-month coverage.
  • Plan discount: Not only can you renew your car insurance online in 3 minutes, but you will also receive a 10% discount with your plan.

Benefits of Buying Tune Protect Car Insurance with Fatberry

Low Market Rates

Fatberry just provides the finest discounts on the market! We compare insurance costs online in real-time, and you may be eligible for a refund if you find a better price elsewhere. If you can show that the other quotes are lower, Fatberry will refund the difference within 7 working days.

Instant Quote

You don’t even need to make time to meet with a Tune sales representative because Fatberry can offer you a quick quote in just 3 minutes. As an added bonus, receiving a quote from Fatberry is completely free!

Easily Compare Quotes

In Malaysia, Fatberry allows you to compare up to 16 different insurance brands. It only takes one page to compare the features and rates of all available insurance plans. That is not complicated; only a few clicks and you are ready to purchase your Tune Protect Car Insurance with us!

Common F.A.Q for Tune Protect Car Insurance

1. What Exactly is Tune Protect Car Insurance?

Tune Protect provides low-cost car insurance in Malaysia. The company is dedicated to protecting car owners from financial losses that may occur as a result of an accident, auto theft, or third-party property damage, as well as liability for injuries incurred by other drivers on your policy that are not covered by it.

Tune Protect Auto-Assist also includes a 24-hour emergency service. You can be assured of peace of mind during your Malaysian traffic experiences.

2. How Do I Purchase Tune Protect Car Insurance Online?

Tune Car insurance is available online with Fatberry! Everything is literally at your fingertips! You only need to browse our website and place your order! There is no need for long queues or tangible paperwork.

3. What is The Phone Number for Tune Protect Car Insurance?

You can get in touch with them via phone 1800885753 or email hello.my@tuneprotect.com.

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Fatberry is a comprehensive platform with a wide range of car insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

 

 

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Takaful Malaysia Car Insurance 2023: Find Out More!

Takaful Malaysia Car Insurance 2023: Find Out More!

by | May 5, 2023 | Car Insurance

Takaful Malaysia Car Insurance

What is Takaful Malaysia Car Insurance?

Founded in 1984, Takaful Malaysia serves high quality insurance products and services which also include car insurance. In 2018, the business divided its composite licence into two, with Takaful Malaysia Keluarga serving as the holding company and possessing full ownership of Takaful Malaysia Am.

They are always working to exceed customer’s expectations by producing innovative services to be the preferred choice of insurance in Malaysia. Shariah laws and concepts are applied in all the services and products of this company.

Available Takaful Malaysia Car Insurance Plans

There are two car insurance plans available under Takaful Malaysia car insurance which are called Takaful myClick Motor and Takaful myClick Motor FlexiSaver.

Takaful myClick Motor

This Comprehensive Private Motor Takaful plan covers your car in the case of theft, fire, or accident-related losses or damages. It also covers third-party responsibility for death or physical injury as well as property losses or damages. Scroll down to see the key benefits that you will get from subscribing to this particular insurance plan.

  • 0% Interest instalment plan. This Takaful Malaysia car insurance plan will help you if the amount owed exceeds RM500, you may choose to pay it in 6 monthly instalments with 0% interest.
  • Complimentary Personal Accident coverage for you and your passengers. You can claim free Personal Accident coverage of RM15,000 for you and your loved ones under this plan.
  • No extra costs for additional drivers. All authorised drivers are immediately protected without any further fees.
  • Comprehensive cover for your vehicle. This plan safeguards you against theft, fire, and other calamities. Other than that, it also covers third-party property losses or damages, as well as bodily harm and wrongful death.
  • Cash back for no claims. If you have no claims to make, do not think it is a waste of your money and time. You can get compensated with cash back if you have no claims during the course of your coverage!
  • 6 months repair warranty.  A 6-month warranty is provided on the Takaful Malaysia car insurance panel repair shops.
  • Online discounts. When you enrol online, you are eligible for a 10% discount!
  • Pay and collect points with 8excite. When you enlist online, you can earn Excite Points. To learn more about this click here!

Add-Ons

  • Windscreens, windows and sunroof. This add-on will pay to replace or repair any accidently broken glass in your car’s windscreen, windows, or sunroof.
  • Special perils. This add-on under the Takaful myClick Motor plan will protect your car from loss or damage brought on by natural calamities like floods and storms.
  • Compensation for Assessed Repair Time (CART). This add-on pays you for the period you were unable to use your car due to repairs after an accident (up to 21 days x RM200).
  • Motor PA Plus. This add-on in Takaful Malaysia car insurance offers additional cover for the driver and passengers against situations such as death or permanent disability as a result of a traffic accident by providing a complimentary personal accident benefit of RM15,000. They also cover 50km breakdown towing.
  • Legal Liability to Passengers. This Takaful Malaysia car insurance add-on protects you from legal obligations for deaths or bodily harm brought on by your careless driving to your passengers.
  • Legal Liability of Passengers. This add-on protects you against legal obligations resulting from a third party’s death, physical injury, or property damage as a result of your passengers’ carelessness.
  • Strike, riot & civil commotion. Protects your car from loss or damage brought on directly by participants in a strike, riot or other public disturbance.
  • Key replacement. In accordance with the maximum amount you choose, this benefit will pay you 80% of the price of replacing your car key (only one claim can be made).
  • Cleaning due to water damage. If your vehicle receives water damage as a result of events such as flash flooding, drains, rivers and cleaning, this benefit will pay you for the actual costs incurred up to a maximum amount that you specify (only one claim can be made).

Takaful myClick Motor FlexiSaver

A private Motor Takaful plan which is called FlexiSaver. It offers a year of Base FlexiCover and covers third-party injury or death as well as property loss or damage to third parties.

  • Pay As You Drive daily cover. You have the option to only activate Pay As You Drive daily coverage when you are actually driving. They will only charge you for the days that you actually drive. This essentially means this Takaful Malaysia car insurance shields you from having to pay for repairs to your car in the event of an accident!
  • Online discount. When you enrol online, you are eligible for a 10% discount!
  • Comprehensive cover for your vehicle. Takaful Malaysia Car insurance plan protects you against theft, fire, and other calamities, as well as third-party property losses or damages, physical harm, and fatalities.
  • Accident towing. Enjoy 50km of unrestricted towing service!

Add-Ons

  • Windscreens, windows and sunroof. This add-on will pay to replace or repair any accidently broken glass in your car’s windscreen, windows or sunroof.
  • Motor PA Plus. This add-on offers additional cover for the driver and passengers against situations such as death or permanent disability as a result of a traffic accident by providing a complimentary personal accident benefit of RM15,000. They also cover 50km breakdown towing.
  • Key Replacement. In accordance with the maximum amount you choose, this benefit will pay you 80% of the price of replacing your car key (only one claim can be made).

Benefits of buying Takaful Malaysia Car Insurance

1. High quality products and services

Takaful Malaysia marks its 39th year (as of 2023) of being in this insurance field. With abundance of experience they have always been focused on serving their customers with top tier products and services.

They have also received various kinds of awards such as Innovation Award & Race for Cover Award at Takaful StarNite Awards 2019 by Malaysian Takaful Association, Takaful Malaysia Highest Returns To Shareholders Over Three Years And The Highest Return On Equity Over Three Years Awards At The Edge Billion Ringgit Club 2020, Best Motor Takaful Company In Malaysia 2021/2022 Award By Ibanding.Com for their excellent service!

2. Unlimited breakdown towing

With Takaful Malaysia car insurance’s 24-hour Tele Bantuan Programme, you may resume driving with the least amount of hassle. You will get unlimited free towing service for up to 50km!

3. Great network support

Takaful Malaysia is a reliable insurance company as it has 24 branches nationwide. They also have 200 panel workshops, 30+ panel windscreen and high number of panel hospitals and panel clinics all over Malaysia.

Benefits of buying Takaful Malaysia Car Insurance with Fatberry

1. Get an instant quote

Get a quick quotation in three minutes with Fatberry! You get to liberate yourself from the hassle of waiting for Takaful Malaysia car insurance to contact you. A quotation from Fatberry is also absolutely free!

2. Compare various insurance brands easily

The benefits and costs of insurance plans and products might be difficult to distinguish at a single glance. That is why it is usually very difficult for common people like us to understand varied insurance brands and the things they offer.

Since you need a quick fix, Fatberry is here to help! You can quickly compare a few auto insurance companies on our platform which will help you pick the best policy for you.

3. Lowest prices in the market

Find the cheapest insurance rates right away at Fatberry. If you find another platform which has a lower pricing, Fatberry will reimburse you for the difference within 7 working days!

Common F.A.Qs of Takaful Malaysia Car Insurance

1. Can I use Takaful myClick Motor FlexiSaver for the first year of coverage without turning on Pay As You Drive?

The Takaful myClick Motor FlexiSaver does not need you to activate the Pay As You Drive daily coverage. You will still receive protection against loss or damage to your vehicle due to fire or theft and third party bodily injury/death/property damage under the Takaful myClick Motor FlexiSaver.

But, there will be no coverage for accidental damage (own damage), accident towing for your car, and no free personal accident insurance for you and your passengers.

2. How do I renew my motor takaful cover?

You can renew your motor takaful cover online via Takaful Malaysia’s Click for Cover online sales portal or via their mobile app. If you’ve applied for this plan in the past, you will receive a Notice of Expiry (NOE) 30 days before your coverage ends. Then, you can easily renew your motor takaful protection by clicking on the link provided in the NOE.

3. What do I need to do if my contact information changes?

To make sure that all correspondence reaches you on time, it is crucial that you update your contact information in the myTakaful Customer site. You can also let them know if it changes by contacting Customer Service (1-300 88 252 385) or email them (csu@takaful-malaysia.com.my).

___________________________________________________________________________________________________

Fatberry is a comprehensive platform with a wide range of car insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

 

 

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MSIG Car Insurance 2023: Explore More Here!

MSIG Car Insurance 2023: Explore More Here!

by | May 5, 2023 | Car Insurance

MSIG Car Insurance 

What is MSIG Car Insurance?

MSIG car insurance is one of the biggest general insurers in Malaysia. MSIG Insurance (Malaysia) Bhd is a subsidiary of Mitsui Sumitomo Insurance Company, Limited and a part of MS&AD Insurance Group Holdings, Inc. You may count on MSIG for financial security and insurance products of the highest calibre!

Available MSIG Car Insurance Plans

There are three MSIG car insurance plans available as of the year 2023. Let’s take a look at all three of them below!

1. MSIG Motor Plus Insurance

MSIG Motor Plus Insurance is an insurance plan with 7 pre-selected add-ons to provide you superior protection and value. Listed below are the list of situations this insurance can be claimed.

  • Third party bodily injury or death. This insurance will cover if you were involved in an accident that was not your fault and the other party needs to cover your losses.
  • Third party property loss or damage. The MSIG car insurance can be claimed if you submit to a third party insurance to recover the cost of repairs in the case of an accident.
  • Legal Costs. The MSIG car insurance covers lawyer fees when you’re the defendant in court.
  • Accidental Death. This insurance plan also covers fatalities on the road.

2. MSIG Comprehensive Private Car

With MSIG Comprehensive Private Car, you may begin with a straightforward plan and add-on features while driving to create a plan that is unique to you and your vehicle.Listed below are the list of situations this insurance can be claimed.

  • Third party bodily injury or death. This MSIG car insurance will cover you if you were involved in an accident that was not your fault and the other party needs to cover your losses.
  • Third party property loss or damage. This is a situation where an accident occurs and it covers damage to other people’s vehicles and property.
  • Loss or damage due to accidental fire, theft or accident. This MSIG car insurance plan will protect you from the loss if your car is damaged due to fire, burglary or accident.

Add-Ons for both MSIG Motor Plus Insurance and MSIG Comprehensive Private Car Insurance plans

  • Driver’s personal accident cover. This add-on has a variety of points and some of the coverage include RM10,000 for accidental death & permanent total disablement, RM 1,000 for medical expenses. *You can refer to their insurance policy for more details!
  • Special perils. Provides protection against loss or damage brought on by natural disasters like earthquakes, landslides and floods.
  • Legal Liability to Passengers. Offers protection from lawsuits filed by your passengers against you in the case of an accident caused by your fault.
  • Legal Liability of Passengers. Protects you from claims of legal responsibility for the activities of your passengers made by third parties.
  • Waiver of compulsory excess. Provide waiver of the RM400 mandatory excess if the policyholder, you, or the driver of your vehicle are under certain categories. The categories are below 21 years old, possess a Provisional (P) or Learner (L) driving licence and are not listed as a named driver in the policy schedule.
  • Strike, riot and civil commotion. Protects the vehicle from loss or damage as a result of a strike, riot or other disruption.
  • 24-Hour unlimited towing. MSIG car insurance will provide unlimited towing services for no additional charges.

2. MSIG Lady Motor Plus

MSIG Lady Motor Plus is a brand new product and it is a comprehensive insurance, specifically created for women. This MSIG car insurance ensures ladies’ safety on the road! Listed below are some of the situations this insurance will come in handy for all the ladies!

  • Third party bodily injury or death. This insurance will cover if you were involved in an accident that was not your fault and the other party needs to cover your losses.
  • Third party property loss or damage. This insurance will cover damage to other people’s vehicles and property.
  • Loss or damage due to accidental fire, theft or accident. This MSIG car insurance plan will protect you from the loss if your car is damaged due to fire, burglary or accident.

Add-On

  • Windscreen. You can cover your windscreen crack or damage by buying an add-on of this MSIG Lady Motor Plus insurance plan.
  • Legal Liability to Passengers. Offers protection from lawsuits filed by your passengers against you in the case of an accident caused by your fault.
  • Legal Liability of Passengers. Protects you from claims of legal responsibility for the activities of your passengers made by third parties.
  • Compensation for Assessed Repair Time (CART) (Non-Tariff). This add-on gives you money for the time you would have spent using your car if it had been fixed. It is also based on an assigned loss adjuster’s assessment of that time (not including the time it would have taken for the repair to be completed). *Refer to MSIG Motor Add-On CART for more details!
  • Smart Key Shield (Non-Tariff). This add-on of MSIG car insurance provides coverage for your smart car key’s loss or damage.
  • Accident Repair Allowance (Non-Tariff). Give you compensation for the time you lose from using your car while it is being repaired after an accident.

Benefits of Buying MSIG Car Insurance

1. Large Network of Support
MSIG has a network of 20 branches spread all over Malaysia. This essentially means they will always be there for you when you need them! They also have a multi-channel distribution network where they have successfully built strong relationships with agents, brokers, motor franchisees, regional and Japanese direct corporate clients, as well as financial institution cooperation programmes.

2. Customer Focused
MSIG is a firm that prioritises client satisfaction and they make constant effort to deliver security and satisfy customers. So, you do not have to worry about the quality of the products and services provided by MSIG car insurance!

3. Professionalism
They consistently work to increase their knowledge and ability so that they can offer services of the highest calibre. By valuing one another’s uniqueness and opinions, as well as by exchanging information and ideas, they have seen remarkable growth.

Benefits of buying MSIG Car Insurance with Fatberry

1. Licenced and registered insurance agent
You can get and make MSIG car insurance renewal online from us with confidence because Fatberry is a known and regulated insurance business.

2. Guaranteed lowest price
With savings of up to RM500, Fatberry is the only retailer to solely provide the best discounts on the market! You won’t have any problem finding the best deal on MSIG Car Insurance because it’s simple to compare them!

3. We are available around the clock
In just three easy steps, you can obtain a quick insurance quote no matter the hour or day! Compare and decide the best MSIG car insurance plan that suits you at our website today!

Common F.A.Qs of MSIG Car Insurance

1. Are there any promotions available for the time being?

Yes, when you purchase MSIG Motor Plus, you will receive RM50 Duit Raya in your TNG eWallet! (* Terms & Conditions Apply).
You can check out their website if you want to learn more about the promotion!

2. Can I revoke my insurance?

Yes, you may. By providing the insurance provider with written notification, you can revoke your coverage at any moment. Any minimum premium paid for the policy is not refundable, but you are entitled to a refund of the premium based on the short-period rates.

3. What are some points that I should take note before purchasing MSIG car insurance?

Listed below are some of the things that you should take note before purchasing MSIG car insurance:-

  • You need to designate a nominee and make sure that individual is aware of the personal accident insurance you’ve bought.
  • The value of your claim will depend on how much insurance you have on your car, so you must make sure it is covered.
  • You should read and comprehend the insurance contract and you should talk to your insurance advisor if you need further details.

___________________________________________________________________________________________________

Fatberry is a comprehensive platform with a wide range of car insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

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MPI GENERALI Car Insurance 2023: Find Out More!

MPI GENERALI Car Insurance 2023: Find Out More!

by | May 5, 2023 | Car Insurance

MPI GENERALI Car Insurance 

What is the MPI GENERALI Car Insurance?

Named MPI GENERALI after acquiring AXA Malaysia. MPI GENERALI car insurance is a comprehensive car insurance that covers a variety of things such as collision damage to your car and injuries or property damage caused by other people’s negligence.

Available MPI GENERALI Car Insurance Plans

Here we will discuss the available MPI GENERALI car insurance plans and its add-on for each of the plans.

1. Private Car Insurance Plan

Private Car Insurance Plan is a comprehensive car and vehicle insurance policy. This plan gives you extra protection that will keep you safe on the road! Below are some of the situations this plan will give you the protection you need.

  • Bodily injury. If you have caused an accident that has injured someone, you can claim this insurance.
  • Loss or damage to your own vehicle. You can claim this insurance if your vehicle has been stolen or destroyed in a fire or car accident.
  • Loss or damage of property. In an accident where you have to be responsible for loss or damage of property of another person, you can claim this insurance to compensate them.
  • Legal costs. This MPI GENERALI car insurance also covers lawyer costs when you’re the defendant in court.
  • Accidental death. Fatalities on the road will also be covered under this MPI GENERALI car insurance plan.

Additional Benefits of a Private Car Insurance Plan

  • RTI gap. This add-on under MPI GENERALI Car Insurance will pay your claim up to the cost of the car to purchase if it is stolen or declared a total loss. It is only applicable to automobiles that are between 1 and 4 years old.
  • E-hailing. Loss or damage to your own vehicle, driver’s personal accident insurance, legal liability to passengers and other coverages during e-hailing are included.
  • Special perils. Safeguard your vehicle from landslides, floods and other hazards with the special perils add-on.
  • Multi drive protector plus. This add-on gives unlimited towing service for 24 hours and access to PA benefits (when inside, outside, entering or exiting your car) for you and your passengers.
  • Windscreen, window or sunroof. Your car’s accidently damaged windscreen, glass, or sunroof will be covered without impacting your No Claims Discount (NCD).
  • Multi Drive Bravo/ Bravo Plus. This MPI GENERALI car insurance add-on includes Limited Act of Good Coverage, Excess Waiver for Authorised Drivers and Additional Cash Payout for Theft or Total Loss.

2. SmartDrive Safe

The second MPI GENERALI car insurance plan is the SmartDrive Safe. It is a wire-free, self-powered Bravo Tag that can instantly summon emergency roadside help. Bravo Tag pairs with the Bravo Safe app through Bluetooth which allows for Automatic Driver Recognition. Some of the key advantages that you can get through this insurance plan are as follow:-

  • Key care protection. Up to RM1,500 will be used to cover the actual expenses of repair and replacement. The example of situations this add-on can be utilised include home invasion, real or attempted theft, robbery, loss or damage to your car key.
  • Flood relief allowance. If a flood causes damage to your automobile, you might receive up to RM1,500 under the MPI GENERALI Car Insurance.
  • 24/7 emergency towing. When your car is involved in an accident or breaks down, free towing services up to 200 km are available.
  • All drivers extension. In the case of a claim by one of your vehicle’s unidentified drivers, you can receive a waiver of the RM400 mandatory excess.

3. SmartDrive Enhanced Private Car

SmartDrive Enhanced Private Car is a risk-based vehicle insurance policy which allows you to pay a premium in accordance with your level of risk. Listed below are some of the major benefits you can get from this MPI GENERALI Car Insurance.

  • Towing services. Get free towing for up to 30 kilometres for car accidents and breakdowns.
  • 24/7 emergency roadside assistance. For help with car accidents and breakdowns, use the 24-hours MPI GENERALI Car Insurance helpline.
  • Repair warranty. A six month warranty is provided by the panel repair experts.
  • Risk based pricing. If your risk profile is safer, you can get potentially cheaper premiums.

Additional Benefits of both SmartDrive Safe and SmartDrive Enhanced Private Car insurance plans

  • Windscreen, window or sunroof. Without impacting your NCD, this add-on will pay the price of replacing or repairing an accidently broken windscreen, glass, or sunroof on your car.
  • Waiver of betterment. The additional expense incurred will be covered by replacing the damaged or broken components with brand-new original ones.
  • Special perils. Prevent damage to your car from flood, landslide, storm, and other natural disasters.
  • Legal Liabilities to Passengers. This add-on protects you from any legal liability for a passenger’s death or bodily harm caused by careless driving.
  • Legal Liabilities of Passengers. This add-on protects you from your passenger’s carelessness causing loss or harm to a third party.

Benefits of Buying MPI GENERALI Car Insurance

Now that you know and understand the available MPI GENERALI car insurance plans, you will certainly think why you must pick this car insurance over all the other car insurance providers available in Malaysia. That is certainly a valid thought but you can consider purchasing this insurance after going through the benefits given below.

1. Great network support
Generali has purchased MPI Generali Insurans Berhad at a 100% acquisition price as well as a controlling majority in joint ventures with AXA Affin in Malaysia. MPI GENERALI has nationwide access to panel workshops. They have 1,400 committed staff, 9,000 agents, franchisees and bank partners.

2. 24 Hours Roadside Services
Generali provides free 24 hours roadside support that offers roadside breakdown and accident support. All you have to do is dial 1800-22-2262 contact number to reach the roadside help hotline in the case of an accident or breakdown.

Benefits of buying MPI GENERALI Car Insurance with Fatberry

1. Market’s most affordable pricing
Fatberry offers you the market’s most affordable pricing ranges. If you found pricing elsewhere that was less expensive than Fatberry, you will receive a refund by providing us with evidence (snapshot). With that being said, you will definitely have to give Fatberry a shot if you’re looking for insurance services as it will always be in your favour to subscribe to us!

2. Get an instant quote
Forget about waiting and delaying with Fatberry as it will provide you a quotation in only three minutes! Just like instant food, Fatberry is an instant insurance provider. Our fast quotation service is also completely free!

3. Compare prices of different brands with ease
You may browse and compare up to 16 different insurance brands in Malaysia on the Fatberry site! You may compare the features and costs of all the available insurance policies on a single page. Sounds easy? Try it now!

Common F.A.Qs of MPI GENERALI Car Insurance

1. What are the documents required to submit your car insurance claim in case of an accident?

  • The documents required are as follows:-
  • Completed motor accident report form.
  • Police report.
  • Copy of the vehicle’s ownership certificate.
  • Copy of the insured person’s driver’s licence and identification card.
  • If this is a company-owned vehicle, a copy of the company’s certificate of incorporation or registration of business (SSM or Form 9, 13, 24, 44, and 49)
  • Accident photographs.

2. How do you claim your car insurance for the damage to the windscreen?

  • You just have to follow three simple steps given below to claim your insurance.
  • Visit one of MPI GENERALI approved windscreen repairers.
  • The windscreen repairers will submit the claim on your behalf if you bring all the necessary documentation.
  • The repairer will receive approval after submitting the necessary paperwork in its entirety. The workshop does not need payment.

3. Does the rate for my MPI Generali car insurance include GST?

Yes, your MPI Generali premium will be calculated with 6% GST.

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Fatberry is a comprehensive platform with a wide range of car insurance in Malaysia where you can buy your preferred car insurance online instantly. You can choose from the available insurance brands and select the plans that suit your needs as well as requirements.

 

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