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Why Is Motor Insurance / Motor Takaful Being Liberalised?

Currently, motor insurance premiums/motor takable contributions are determined by tariffed rates based on model, age and engine capacity of vehicles, and discounts the form of NCO*. Starting 1 July 2017, the premium/takaful contribution for Motor Comprehensive and Motor Third Party and Theft products will be determined by individual insurance companies and takable operators. Liberalisation will drive fairer ways of pricing premiums/takaful contributions based on risk profiles, which will encourage road users to be more responsible. This will spur innovation with more products and services to meet different consumer needs for the ultimate benefit of the motoring public.

What are the Benefits?

More Choices. New and innovative products. Better Efficiency. Smoother and more efficient services Fairer Pricing. Premiums / takable contributions will be priced fairly based on risk profile groups

How you can make a difference.

Here are some useful tips:

Adopt Good Driving Behaviour

  • Maintain your No Claim Discount by driving safely and avoiding accidents.
  • Diligently follow traffic rules, including not using mobile phone while driving, to keep a clean record

Maintain Your Vehicle Well

  • Reduce the chances of accidents by following your car’s maintenance schedule.

Don’t Speed

  • Observe the speed limit at all times and drive safely
  • Use the speed lane only when you are overtaking other slow vehicles

Shop Around for the Best Option Compare premium / takaful rates offered by insurance providers / takaful operators to get the best value and coverage.

  • Private Car EZY Plus (Comprehensive)
  • Comprehensive (Autostar)
  • Comprehensive (Agreed Value Plan)
  • Third Party Fire and Theft
  • Third Party Private Car

We are a global business that aims to deliver best-in-class customer and agent experiences. Part of the Liberty Global Consumer Markets (GCM), one of Liberty Mutual Insurance’s Strategic Business Units; Liberty Global Consumer Markets is an organization that aims to win in each market by combining global scale and capabilities with local knowledge, talent, innovation and agility. Our business is comprised into three global regions: U.S. Consumer Markets, GCM East and GCM West. They sell property, casualty, health and life insurance products and services to individuals and businesses in 17 local operations; in the United States, Latin America, including Brazil, Colombia, Chile and Ecuador; Europe, including Spain, Portugal, Turkey, Ireland, and Russia; and Asia-Pacific, including Thailand, Singapore, China (including Hong Kong), Vietnam, India and Malaysia.

Click on a marker below for details.

Liberty Insurance Berhad 31 Dec 2014 Financial Report – English

Process & Procedure

Over the last 38 years, Liberty Insurance Berhad has built a reputation as the preferred insurer in the market. With each year, the company stepped up to the mark to face new challenges in a highly competitive industry. Starting from 1977 when South East Asia Insurance came into being and in 2003 when it became Uni.Asia General Insurance, the company has continued to strive with unwavering focus to achieve its targets.

The change of name to Liberty Insurance Berhad on 9 June 2015 follows the completion of the Liberty Mutual Group’s acquisition of a majority share in the company. Headquartered in Boston, Liberty Mutual is a Fortune 100 company with more than 100 years of experience. With the wealth of our local experience and Liberty’s global expertise, we aim to grow into a leading force in the Malaysian general insurance industry – one that plays an integral role in helping people live safer, more secure lives.

To know more about us, click here.

Please read on for a brief outline on the requirements to be a General Insurance Agent.

Obtaining the Certificate

The examination registration forms can be obtained from our company. We will assist you to register as a candidate for scheduled examination conducted by The Malaysian Insurance Institute Examination fees payable ranges from RM35 to RM75. We will advise you when receive your registration form.

You may be exempted from the examination if you have any of the qualifications listed below. We will assist you to write to the PIAM Registrar for exemption.

  1. Associate Malaysia Insurance Institute (AMII)
  2. Diploma of the Malaysia Insurance Institute
  3. Associate Australian Insurance Institute (AAII)
  4. Associate Chartered Insurance Institute (ACII)
  5. Foundation Course in General Insurance (Malaysia Insurance Institute)
  6. Compact General Insurance Agents Course (Malaysia Insurance Institute)
  7. Intermediate Course in General Insurance (Malaysia Insurance Institute)
  8. Insurance Executive Development (IRD)
  9. Institut Teknologi MARA (ITM) Course in Insurance
  10. Universiti Kebangsaan Malaysia (UKM) Course in Insurance
  11. Universiti Malaya (UM) Course in Insurance
  12. General Insurance Training Course for Agents (Malaysia Insurance Institute)
  13. Intensive Course for General Insurance Agents (Malaysia Insurance Institute)
  14. First Course in General Insurance (Malaysia Insurance Institute)
  15. Certificate of 3rd General Insurance Training Course for Agents (Institut Teknologi MARA)
  16. Diploma in Life/General Insurance (Australian Insurance Institute)
  17. Chartered Insurance Institute Certificate of Proficiency (London School of Insurance)
  18. Associate Insurance Institute of Canada (AIIC)
  19. Diploma in Business Studies – Major in Insurance (Institut Teknologi MARA)
  20. Certificate of Insurance (Bombay College of Insurance)
  21. General Course in Insurance (28/4/80 to 6/6/80) (Chartered Insurance Institute College of Insurance, United Kingdom)
  22. Kursus Pengurussan Risiko dan Insuran (Universiti Malaya)
  23. Basic Course in General Insurance (Swiss Insurance Training Centre, Zurich)
  24. Certificate in General Insurance Examination (Singapore Insurance Institute)
  25. Diploma In Actuarial Science in MARA
  26. Degree of Master of Science by University of Connecticut

Application for Registration

Any individual or corporate agency who wishes to become an insurance agent must firstly be registered under the GIARR(General Insurance Agents Registration Regulations).

In order to do this, one must first pass the “MII Pre-Contract Examination for Insurance Agents”, i.e. to complete General Insurance Route A & B or Route B only provided they have the PCEIA Life Insurance Certificate by the Malaysia Insurance Institute (MII).

In the case of a Corporate Agency, a nominee must be appointed who will then have to complete the qualification stated above.

Registration with PIAM & Liberty Insurance Berhad

We will register you as our agent with PIAM when you submit the following documents:

Form for Application of Appointment of Agency

  1. PIAM Application Form
  2. NRIC of All Directors/Partners - Photocopy front and back
  3. NRIC of Corporate Nominee - Photocopy front and back
  4. Issue Receipt & Deposit Cash into Branch Bank Acc.
  5. MII PCEIA Certificate or Results of Agent or Corporate Nominee
  6. Form J – Income Tax of Guarantor’s for last 2 Years
  7. Statutory Declaration by Corporate Nominee - Original
  8. NRIC of Guarantor - Photocopy front and back
  9. Guarantor Data by Third Party Guarantor/All Directors
  10. Agency Agreement (1 Principals and 1 Agents Copy)
  11. PIAM Registration of General Insurance Agent
  12. Declaration Form by New Principal for Inclusion as SP/CP
  13. PIAM Registration for Inclusion as 2nd / Change of Principal
  14. Bank Guarantee Duly Stamped
  15. Bank Statement of Agent/Agency for the last 3 Months
  16. Specimen Signature Card of Agent/Agency
  17. Photo Copy of Sijil Pelajaran Malaysia (SPM) Certificate
  18. Consent Form From Agent & Guarantor for CTOS Screening
  19. NARF (New Account Requisition Form) From Branch
  20. Goods And Services Tax (GST) Registration Notification Form
  21. A Copy of GST Registration From Agent or Custom Website Print Out
  22. Privacy Notice – Personal Data Protection Act (PDPA)
  23. Confirmation of Bank Account Number for Electronic Fund Transfer / Inter Bank Giro (IBG)

Additional Documents Required (for by Sole – Proprietor / Partnership)

  1. Statutory Declaration (Not required for 2nd Principal)
  2. Form - A Business Registration
  3. Form - D Business Registration
  4. Third Party Letter of Guarantee

Additional Documents Required (for Corporate Agency- Limited Company)

  1. Statutory Declaration (Not required for 2nd Principal)
  2. Form 9/13- Certificate of Incorporation
  3. Form 24- Return Allotment of Shares
  4. Form 49- Return Giving Particulars in Register of Directors, Etc.
  5. Directors Resolution for Agency Application - Original
  6. Memorandum of Article of Association
  7. Letter of Guarantee Signed By All The Directors

Confirmation of Agency

Upon successful registration with PIAM, you will be issued with the following:-

  1. Our Agency Contract Agreement with you.
  2. PIAM’s Agency Certificate

Head to your nearest Liberty Insurance branch (click here for branch listing), and notify a claim.

Provide the following documents:

  • Policy
  • Death certificate
  • Identity card or birth certificate
  • Police report
  • Burial permit
  • Post mortem report (compulsory to all non-Muslims)
  • LA required if there aren't any nominees

Liberty Insurance Berhad has adopted a "No Gift" policy. This policy strictly prohibits all staff from accepting or presenting personal gifts to external parties no matter the value or the reason. The policy was put in place to avoid conflicts of interest or the appearance of such conflicts for either party.

It is important that staff carry out their duties with integrity and principles so as to leave their mark on an organization that is recognised and admired, not just for its excellent performance but also for its cadre of professional people.

Staff are also advised to practice honesty, transparency and good governance so that Liberty Insurance Berhad would become known for its admirable values and great business principles.

The Whistleblowing Policy directly supports Liberty Insurance Berhad´s Company Values and Corporate Code of Ethics and Governance. Liberty Insurance General´s principle of "Integrity" implies that we remain consistent and honest in our dealings with others and strive to treat people with trust and mutual respect while maintaining transparency.

In line with the Code of Conduct, Liberty Insurance has adopted a Whistleblowing Policy, which outlines the Company´s commitment to ensure that all stakeholders are able to raise concerns regarding any illegal conduct or malpractice without being subject to victimization, harassment or discriminatory treatment, and to have such concerns properly investigated.

This Whistleblowing Policy sets out the mechanism and framework by which staff, contractors, consultants, vendors and etc. can confidently, and anonymously if they wish, voice concerns / complaints in a responsible manner without fear of discriminatory treatment. 

Reportable Activity

The following shall constitute "Reportable Activity" under this Whistleblowing Policy:

  • Fraud or corruption
  • Breaches any law or regulation
  • Breach of Liberty Insurance Berhad´s policies, practices, procedures or other rules of conduct
  • Misleading or deceptive conduct of any kind
  • Situations which pose a danger to the health and safety of any person or significant danger to the environment
  • Auditing matters, including non-disclosure or any subversion of the internal or external audit process
  • Breach of confidentiality obligations

Protection Under The Policy

  • Whistleblowers are protected against being victimized
  • Report in bad faith or based on unfounded allegations or containing trivial, malicious, slanderous, and frivolous or vexations claims may be subject to appropriate actions
  • The policy does not protect the person making the report from the consequences of being involved in any improper conduct or unlawful activity alleged in a complaint under the policy

Disclosure Of Reportable Activity

Disclosure of information regarding a Reportable Activity relating to staff - should only be made to Chairman - Board Audit Committee - via email/mail as follows:

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Mailing Address
Chairman-Board Audit Committee
C/O Company Secretary
Liberty Insurance Berhad
9th Floor, Menara Liberty
1008, Jalan Sultan Ismail
50250 Kuala Lumpur

(Note: Kindly indicate "Strictly to be Opened by Addressee Only" on the envelope)

Disclosure of information regarding a Reportable Activity relating to stakeholders shall be made to any one or more of the following - via email/mail:

1. Chairman, Board Audit Committee

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Mailing Address: 
Chairman-Board Audit Committee C/O Company Secretary
Liberty Insurance Berhad
9th Floor, Menara Liberty
1008, Jalan Sultan Ismail
50250 Kuala Lumpur

(Note: Kindly indicate "Strictly to be Opened by Addressee Only" on the envelope)

2. Chief Executive Officer

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Mailing Address: 
Chief Executive Officer
Liberty Insurance Berhad
9th Floor, Menara Liberty
1008, Jalan Sultan Ismail
50250 Kuala Lumpur

(Note: Kindly indicate "Strictly to be Opened by Addressee Only" on the envelope)

3. Chief Internal Auditor

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Mailing Address: 
Chief Internal Auditor
Liberty Insurance Berhad
9th Floor, Menara Liberty
1008, Jalan Sultan Ismail
50250 Kuala Lumpur

(Note: Kindly indicate "Strictly to be Opened by Addressee Only" on the envelope)

Conditions of use

The products and services described in this site are subject to Malaysian law and is in relation to property in Malaysia. This notice and the information in this site and all matters related are either governed by or will be construed according to the applicable laws.

Restrictions on use of Materials

Copyright in the information contained in this site subsists under the Copyright Act and through international treaties. It is owned by Liberty Insurance Berhad unless otherwise stated. Customers may download a single copy of a document and, where necessary for its use as a reference, or make a single hard copy subject to the following conditions:

  • the material is used exclusively for personal non-commercial purposes;
  • all copies must include copyright and other intellectual property notices incorporated into the original material; and
  • no licence is granted in respect of intellectual property rights reserved by us and/or providers of the Content.
Except as permitted under the Copyright Act or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording, taping or by storage in an information retrieval system) without the specific written consent of Liberty Insurance Berhad.

Disclaimer

Liberty Insurance Berhad does not warrant or represent that the information in this site is free from errors or omissions or is suitable for the intended use of website users. The documents and related graphics published on this server could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein.

Liberty Insurance Berhad recommends its customers to seek independent advice before acting on any information in this site. Subject to any terms implied by law and which cannot be excluded, Liberty Insurance Berhad accepts no responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by website users as a result of any error, omission or misrepresentation in any information in this site.

In no event shall Liberty Insurance Berhad or any third parties mentioned at this website, be liable for any loss or damages whatsoever (including, without limitation, incidental and consequential damages, lost profits, or damages resulting from lost data or business interruption) or punitive damages of any kind whatsoever that may result from the use or inability to use the web site, whether based on warranty, contract, tort, or any other legal theory, and whether or not Liberty Insurance Berhad is advised of the possibility of such damages.

The web site contains links to third party web sites which are not maintained or controlled by Liberty Insurance Berhad. These links are provided solely as a convenience to you and not as an endorsement by Liberty Insurance Berhad of the content of such third party web sites. Liberty Insurance Berhad is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party web sites. The decision to access linked third party web sites, will be done so at the users' own risk.

Compliance to the Anti-Money Laundering and Anti Terrorism Financing Act

By virtue of the provisions in this Anti-Money Laundering law, any 'Suspicious Transaction' as classified by the law is required to be reported to the Competent Authority at Bank Negara Malaysia.

Anti Fraud Measures

Liberty Insurance Berhad has zero tolerance to fraud. Should fraudulent activities be detected or suspected, the matter will be investigated fully and the company will work together with the relevant authorities to ensure the matter is resolved.

Privacy Statement

Liberty Insurance Berhad highly respects every customer´s right to privacy and security of personal information, as well as financial transactions handled by us. Therefore, we employ the tightest possible security measures complemented with strict procedures in our operations and protection of your data.

No-gift Policy

Toll free line
General line
Emergency towing toll free line

Walk-in Customer Care

Liberty Insurance Berhad

Ground Floor, Menara Liberty

1008, Jalan Sultan Ismail

50250 Kuala Lumpur





Group Health Scheme is an insurance scheme for your corporate with comprehensive ranges of medical benefits. Depending on the size and profile of your corporate, we can tailor an insurance plan that fits your corporate needs.

For more information, please contact us personally so that we can customise the benefits to meet your specific requirements. 

 

In recent years, hospital treatment costs have increased drastically. Hospital charges have risen by at least 25% and for some diseases, medical care expenses have doubled, making it painfully expensive for anyone seeking medical treatment.

The Liberty Insurance Berhad Completecare Plus Health Plan is designed to help Malaysians go through their times of illnesses and tragedy with peace of mind and confidence.

Depending on the type of plan selected, if you or any member of your family has undergone hospitalisation for illnesses or accidents, you will receive a full refund on all your medical expenses. This includes hospital accommodation at private or government hospitals, operating charges, physicians' fees, drugs, laboratory tests and many more.

Looking for information? We have a list of weblinks of organisations that Liberty Insurance Berhad is affiliated to. Find the information you´re looking for by clicking onto anyone of them.

We know that accidents can happen anytime. Many of us may be insurance policy holders, but are often left bewildered when it comes to lodging or submitting a claim. How do we go about it? What are the criteria or conditions that insurance policy holders need to abide by? What are the steps involved when we submit a claim.

To report a claim

There are many channels in which you may report a claim to us. If you experience an accident or loss you can:

  • Visit our front counter service centres located at our headquarters as well as any one of our branches nationwide.
  • Make a report at any one of our panel motor repairers nationwide.
  • All loss notifications will be attended to immediately and you will be contacted to acknowledge your claim and advise you of the next steps.

As a policy holder and depending on the type of policy that you have, you need to know the necessary procedures when you submit a claim. Different types of insurance have different sets of conditions which require different procedures. Hence, it is important that all insurance policy holders are aware and knowledgeable on the process of making insurance claims. 

How to lodge a:

Claims E-Payment FAQs

Click to view

  • Star Rider
  • NCD PA Bonanza
  • Motorist’s Companion
  • Motorist’s Companion 2
  • Motorist’s Companion Commercial
  • Motorist’s Companion Agreed Value
  • Motorist’s Companion Taxi
  • Motorist’s Companion Rider
  • Maxi PA Scheme
  • StarRider
  • NCD PA Bonanza
  • Motorist´s Companion
  • Motorist´s Companion 2 (MC2)
  • Motorist´s Companion Commercial (MCC)
  • Motorist´s Companion Agreed Value (MCAV)
  • Motorist´s Companion Taxi (MCT)
  • Motorist´s Companion Rider (MCR)
  • Maxi PA Scheme (For Renewal Cases Only)

Flexi is a personal accident plan that provides 24-hour worldwide coverage at affordable rates. It provides coverage for death, permanent disablement and temporary total or partial disablement, traditional medical expenses reimbursement, corrective dental & cosmetic surgery reimbursement and funeral allowance.

You will enjoy a renewal bonus termed “No Claim Bonus” whereby your principal Sum Insured will be increased by 5% per year (under Death and Permanent Disablement) and up to 15% for a period of 3 years when you do not make any claims for the duration of your coverage.

FlexiCare is a personal accident plan that provides 24-hour comprehensive worldwide coverage for death or permanent disablement. It offers flexible coverage options with yearly renewal bonuses of 10% per year up to 5 years, hospital income up to 180 days, visitors´ weekly travel allowance, traditional medical expenses reimbursement, corrective dental & cosmetic surgery reimbursement, funeral allowance, rehabilitation benefit, repatriation expenses and auto debit renewal rebate.

Familycare Health Plan is a medical health plan that is designed to help you and your family to ease the burden of escalating hospital bills in times of sickness. It protects you and your family against unexpected hospital charges arising from both illnesses and accidental injuries. In addition, you will receive refunds on medical expenses such as hospital room and board charges, medication, surgical and anaesthetics fees, laboratory tests and many other costs. Other attractive features include outpatient cancer treatments, organ transplants, maternity benefits and 24-hour SOS medical assistance.

SmartCover is a personal accident plan that is designed to provide 24-hour worldwide protection against unforeseeable losses incurred due to accidental death and/or disablement. It has the flexibility of allowing you to select the type and level of covers you want and it can also be used as a supplement to any other insurance as its benefits are payable regardless of any coverage which you may have with the exception of medical expenses.

A cover exclusively designed for UOB credit cardholders. 

Marine insurance covers risks that involve the transportation or temporarily storage of goods in transit from one port to another. This class of insurance reimburses financial losses due to damage to a ship and any accompanying properties, including the cargo, from port of departure to port of destination.

The Liberty Insurance Berhad Familycare Health Plan is designed to help you and your family ease the burden of escalating hospital bills in times of sickness.

The plan protects you and your family against unexpected hospital charges arising from both illnesses and accidental injuries. In addition, you will also receive refunds on medical expenses such as hospital room and board charges, medication, surgical and anaesthetics fees, laboratory tests and many other such costs.

Other attractive features also include outpatient cancer treatments, organ transplants, maternity benefits and 24-hour SOS medical assistance.

 

BisPro is an All-in-One comprehensive insurance package. It provides extensive coverage for fire, all risks, burglary, money, plate glass, public liability and employer liability. It is a kind of policy that is broad enough to ensure that you have sufficient cover, but at the same time is tailored so that you do not have duplication of cover - which often happens when you purchase separate policies.

Boiler and Pressure Vessel is an insurance plan that is specially designed to cover physical loss or damage to other property of the Insured resulting from explosion or collapse of any boiler or pressure vessel. This plan also indemnifies the Insured against liability for damage to the others? property and for fatal or non-fatal injuries to third party other than the Insured?s own employees or workmen or members of the Insured?s family.

POS Motorcycle Third Party insurance is a plan that provides insurance coverage against liabilities to thrid party's injury or death and damage to their property.

POS Third Party Fire and Theft insurance is aplan that provides protection against fire and theft to your vehicle, as well as damage caused by your vehicle to third-party property.

POS Comprehensive Private Car is a comprehensive 5-star motor insurance plan for private car.

This plan provides comprehensive coverage for:

  • Accidental loss or damage to your vehicle and the accessories and spare parts of your vehicle;
  • Liability for damage to other peoples´ vehicle and property caused by your vehicle;
  • Your (the driver) legal liability for death or bodily injury to third parties caused by your negligence; and
  • Personal accident benefits for you should you suffer bodily injury in connection with your motor vehicle or while mounting into or dismounting from or travelling in any private motor vehicle.

This plan also provides coverage for:

  • Loss or damage to your vehicle caused by fire, external explosion, self-ignition or lightning;
  • Loss of your vehicle due to theft and/or damage after being stolen;
  • Claimant´s costs and expenses.

Other benefits and special perils that can be extended are:

  • Caravan, luggage and boat trailers;
  • Strike, riot and civil commotion;
  • Flood, typhoon and other convulsion of nature;
  • Act of negligence of passengers; and
  • Breakage of glass such as windscreen, window or sunroof.

In line with the spirit of 1Malaysia, Pos Malaysia Bhd (229990-M) in collaboration with Liberty Insurance would like to introduce POS FESTIVE INSURANCE, a highly affordable personal accident plan that provides protection during the main festive season, i.e. Hari Raya Aidilfitri, Deepavali, Christmas and Chinese New Year celebrations.

3 main reasons why you need POS FESTIVE INSURANCE:

  • Increased risk of accidents during festive season due to high traffic volume;
  • Comprehensive coverage available for both individual and family;
  • Fixed premium for individual and family plans.

Check your car value here.

Motor policy expired? No time to visit our counter?

What is MMIP?

MMIP is a high-risk insurance pool that runs collectively by the insurance industry under the orders from the regulators. It provides motor insurance to vehicle owners with difficulty to obtain motor insurance from normal commercial insurance market.

The pool is managed by MMIP Services Sdn Bhd (MSSB), a subsidiary of MNRB Holdings Bhd (MNRB).

A) Required Documents:

The documents required for MMIP are as follows:

  1. The Original Policy or Renewal Notice of the previous insurance.
  2. The original copy of the Vehicle Registration Card (both sides)
  3. A copy of the Owner´s NRIC (both sides).
  4. A fully completed Proposal Form.
  5. Additional Documents:

i) For Trade Plate:

  • a) The original copy of the trade plate disc.

ii) For Commercial Vehicle:

  • a) A copy of the permit (if any).
  • b) A copy of the vehicle inspection report (from Puspakom).

iii) For Company Owned Vehicle:

  • a) The Company´s rubber-stamps.

iv) For Private Cars or Motorcycles above 10 Years:

v) For Insured above 65 Years Old:

  • a) The original copy of the insured´s medical report.

B) Payment:

   1) You can either pay by:

  • i) Cash : Payment can be made at counter; or
  • ii) Cheque : Payment can be made at counter (Note: Please prepare a cheque payable to Liberty Insurance Berhad, A/C No : 514299125590)

Important Notice:

  • Liberty Insurance Berhad is only a servicing insurer/agent of MMIP.
  • The MMIP service is available at 25 of the Liberty Insurance Berhad branches, i.e. KL Main, Klang, Seremban, Ipoh, Taiping, Sitiawan, Teluk Intan, Penang, Butterworth, Sungai Petani, Alor Setar, Muar, Melaka, Batu Pahat, Johor Bahru, Kuantan, Kuala Terengganu, Kota Bharu, Sandakan, Tawau, Kota Kinabalu, Miri, Kuching, Wangsa Maju and Taman Tun Dr Ismail. Services are also available at 10 of the LI-Puspakom branches, i.e. Wangsa Maju, Cheras, Bukit Maluri, Padang Jawa, Alor Gajah, Johor Bahru, Gopeng, Mak Mandin, Alor Setar and Kota Kinabalu.
  • The information enclosed is currently accurate as at the date of publish. You are to ascertain that all of the documents required are in order upon submitting your application.

For further inquiries, please contact our toll free 1-800-888-990

Maxi PA Scheme is a highly affordable scheme that offers you maximum protection at minimal cost of RM18. With any insurance purchase, customer is entitled to select a value-added supplementary plan either, Maxi Rider, a driver and passengers´ personal accident plan which offers protection against loss of life or permanent dismemberment while driving, riding, boarding or alighting in an insured vehicle, or Maxi Pro, a personal accident plan which provides 24-hour worldwide coverage for bodily injury, disablement or death caused by accidental means.

Motorist´s Companion Rider (MCR) is a personal accident insurance plan that provides 24 hours worldwide coverage to the rider for permanent disablement or death caused by accidental means.

Motorist´s Companion Taxi (MCT) is a personal accident insurance plan that provides cover for taxi driver and passenger whilst driving as a driver or riding as a passenger, boarding or alighting from a named vehicle.

Motorist´s Companion Agreed Value (MCAV) is a personal accident insurance plan that provides cover for driver and passenger whilst driving as a driver or riding as a passenger, boarding or alighting from a named vehicle.

Motorist´s Companion Commercial (MCC) is a personal accident insurance plan that provides cover for driver and/or one attendant only whilst driving as a driver, riding, boarding or alighting from a named commercial vehicle. 

The Motorist's Companion 2 (MC2) is a personal accident insurance plan that provides cover for driver and passenger whilst driving as a driver or riding as a passenger, boarding or alighting from a named vehicle.

The Motorist's Companion Insurance is designed to cover a driver and/or passenger(s) in a car or van which is not used for commercial purposes against loss of life or disablement medical expenses caused solely and directly by violent, accidental, external and visible means while entering, riding in or alighting from the vehicle. 

Protection from as low as 15 sen* a day! 

This premium amount is inclusive of Goods and Services Tax at 6%.

Medical reimbursement up to RM500 per person.

  • Pays the actual cost up to RM500 per person for medical or surgical treatment including services of trained nurses and hospitalisation incurred.

Covers passenger injuries irrespective of driver's fault.

  • Payment will still be made regardless whether the driver has been negligent.

5% discount on coverage of additional vehicles.

  • You can enjoy 5% discount on the premiums for every additional car under your name.

Riot and civil commotion.

  • Riot and civil commotion are covered without extra charge.

Protection for your passengers, peace of mind for you.

  • Liberty Insurance Berhad Motorist's Companion Insurance Plan allows you to ferry passengers with total peace of mind since it protects every passenger and the driver (that´s you) against bodily injuries or loss of life while entering, riding or alighting from your private vehicle. 

Easy to enrol!

Just visit your nearest Liberty Insurance Berhad branch. Enrol as soon as possible to enjoy a peaceful mind while on the road.

Small investment for big assurance!

Table of Benefits
Death
RM10,000
Loss of both hands or both feet
RM10,000
Loss of sight of both eyes
RM10,000
Loss of sight of one eye and one hand or one foot
RM10,000
Loss of one hand or one foot
RM5,000
Loss of sight of one eye
RM5,000
  • The above benefits can be doubled to RM20,000 for private cars with seating capacities up to 5 persons with payment of additional premium as mentioned below.
  • Passengers aged 15 and below are entitled to 50% of all the benefits provided.
Premium Table
Seating Capacity
(including Driver)
Annual Premum*
RM10,000
RM20,000
4
RM53.00
RM106.00
5
RM63.60
RM127.20
6
RM74.20
-
Each additional seat
RM8.48
-

* The premium amount is inclusive of Goods and Services tax at 6%

NCD PA – Bonanza is a personal accident insurance plan that provides cover for the driver and passenger whilst driving as a driver or riding as a passenger, boarding or alighting from a named vehicle.

Non-Consumer Insurance Contract Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance for a purpose related to your trade, business or profession, you have a duty to disclose any matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise it may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance. The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us. You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed.

In view of increasing Hospital and Surgical charges, this Scheme is specially designed to reduce the financial burden of the Employers of foreign workers in the event of hospital admission of their foreign workers due to accident or illness.

Foreign Workers´ Compensation Scheme is an insurance scheme that protects the Insured´s foreign worker from accident, injury or disease arising from or in the course of employment with the Insured. This scheme includes coverage for death, permanent total/partial disablement, temporary disablement, medical expenses, occupational diseases and repatriation expenses. The annual premium charged is RM76.32 (inclusive of Goods and Services Tax at 6% but exclude stamp duty) per foreign worker as determined by the Ministry of Human Resources.

You plan ahead, do extensive research and you pay big bucks for the vacation of a lifetime with your loved ones, family* members and friends. However, the best laid travel plans often go awry and you have no control over them. 

Take for instance, imagine you are enjoying your vacation when a medical emergency strikes. You might need an ambulance or helicopter to transport you to immediate care. How will you pay for these expenses? 

TravelStar 's wide range of protection coverage also includes Emergency Medical Evacuation that covers emergency transportation and medical needs. This unique plan is developed by Liberty Insurance Berhad, the trusted name in insurance. 

TravelStar offers protection** for you and your loved ones during your travels and can save you a substantial amount of money in the event of unforeseen circumstances. 

Make TravelStar an integral part of your travel plans.

StarRider is a 7 benefits in 1 driver and passengers´ personal accident insurance plan that protects driver and passengers against accidental death, permanent dismemberment, medical expenses reimbursement, ambulances fee, dental or corrective cosmetic surgery and bereavement expenses while driving, riding, boarding or alighting in an insured vehicle. This plan provides 3 levels of cover that allows you to select the premium and level of protection you need.

In line with the spirit of 1Malaysia, Liberty Insurance Berhad would like to introduce FESTIVE INSURANCE, a highly affordable personal accident plan that provides protection during the main festive season, i.e. Hari Raya Aidilfitri, Deepavali, Christmas and Chinese New Year celebrations.

Three main reasons why you need FESTIVE INSURANCE:

  • Increased risk of accidents during festive season due to high traffic volume;
  • Comprehensive coverage available for both individual and family;
  • Fixed premium for individual and family plans.

For further details, kindly visit www.libertyinsurance.com.my or contact us at Toll Free number 1300-888-990.

Motor Third Party Fire and Theft (TPFT) Insurance is a plan that provides protection against fire and theft to your vehicle, as well as damage caused by your vehicle to third-party property. 

Policy (for existing policies and renewals before 1st November 2016)

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Liberty Insurance Berhad is an insurance company that aims to fulfill the changing needs of a dynamic region and to lead the insurance industry towards Vision 2020. Being a part of the Liberty Mutual Group, we are backed by more than 100 years of experience and aim to be the leading insurer of choice, delivering financial solutions that fulfill today’s needs and tomorrow’s dreams through exceptional personalised service for life.

At Liberty Insurance, it is equally important for us that while we create positive experiences for our customers, we aspire to be the “Employer of Choice” for our employees. Our leadership position in the insurance industry enables us to offer the best working environment for talented individuals who are driven to excel in their careers. We strongly believe in a mutually beneficial partnership with our employees and together, we will continue to focus our strengths of meeting the challenges and demands of a very dynamic industry.

Your Benefits

Liberty Insurance offers an attractive remuneration package to successful candidates with the right qualifications and experience. As an employee of Liberty Insurance, you will receive much more than just the standard benefits. Here’s what you will receive when you join us:

  • Higher EPF contribution (Employer)
  • Attractive medical benefits (Outpatient & Inpatient)
  • Group Term Life Coverage / Personal Accidents Coverage
  • Dental / Optical benefits
  • Interest free Education Loan
  • Career development opportunities

We are on the look-out for passionate, talented and highly motivated individuals who want to grow with us at Liberty Insurance and be a part of our dreams and vision.

So, come join us in our journey to achieve your dreams and be a part of our family. Liberty Insurance family welcomes you! 

Kindly forward your resumes to: 

HR Department
10th Floor, Menara Liberty
1008 Jalan Sultan Ismail
50250 Kuala Lumpur

E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

We are pleased to introduce our Board of Directors who have contributed much to the success of Liberty Insurance Berhad:

 

Throughout the years, the Company that is now known as Liberty Insurance Berhad has seen several transformations. It was first founded as Southeast Asia Insurance in 1977, focusing on motor insurance. Following DRB-HICOM’s acquisition of a majority share in 1995 and UOB coming on board as a shareholder in 2002, the Company expanded its scope of expertise to cover motor insurance and bancassurance. It was then renamed Uni.Asia General Insurance in 2003.

The change of name to Liberty Insurance Berhad follows the completion of the Liberty Mutual Insurance Group’s acquisition of the majority share from Uni.Asia Capital Sdn. Bhd. in July 2014 - through its subsidiary Liberty Seguros.

Headquartered in Boston, Massachusetts, USA, the Liberty Mutual Insurance Group is a diversified insurer with operations in 30 countries around the world. It is on the Fortune 100 list of the largest corporations in the USA based on 2014 revenue. Liberty Insurance Berhad will add to Liberty Mutual Insurance Group’s current global presence - spread across Asia, the Americas and Europe through the Company's international and global specialty strategic business units. The Group employs more than 50,000 people in approximately 900 offices throughout the world.

With experience since 1912, the Liberty Mutual Insurance Group is committed to providing broad, useful and competitively priced insurance products and services to meet the ever-changing needs of customers. The Group believes in helping people preserve and protect what they earn, build, own and cherish, and in being present and ready to help when policyholders throughout the world need them most.

Liberty Insurance Berhad’s insurance products and services range covers personal & commercial automobile, homeowners, accident & health, general liability, property, surety, workers compensation, personal, travel and specialty lines.

Pursuant to the rebranding, Liberty Insurance Berhad will leverage on the Group’s global expertise while maintaining the Company’s balanced, diversified and entrenched distribution channels in Malaysia and continuing to sustain a strong and robust balance sheet.

In the years to come, Liberty Insurance Berhad aims to grow into a leading force in the Malaysian general insurance industry – one that plays an integral role in helping people live safer, more secure lives.

Today, Liberty Insurance Berhad reaches Malaysians through its distribution network of 5 regional offices, 25 branches, 10 mini branches at Puspakom, approximately 700 POS Malaysia outlets, 4 franchise holders, 119 franchise dealers, and more than 1,800 agents. It is a MYEG Insurance partner and a Bancassurance partner of United Overseas Bank and Bank Simpanan Nasional. The network is supported by the team at its Kuala Lumpur headquarters.

Commercial Vehicle insurance provides coverage for accidental loss or damage to vehicle used in your business operations and your legal liability for third party injury and property damage. This coverage protects the Insured from accidental damage to the Insured, regardless who is at fault. The damage may be caused:

  1. By collision or overturn;
  2. By fire, external explosion, self-ignition or lightning or burglary housebreaking or theft;
  3. By malicious act;
  4. Whilst in transit (including the process of loading or unloading incidental to such transit) by:
    • Road rail, inland, waterway, lift or elevator.
    • Direct sea route across the straits between the island of Penang and the mainland.
  5. By impact damage.

 

Agreed Value Plan (AVP) is a comprehensive private car insurance plan designed specifically to protect policyholder from financial difficulty arising due to vehicle being stolen or damaged beyond economic repair.

Your Car Definitely Deserves the Best

Give your car total motor protection from accidents to the downright unexpected with AutoStar's 5-Star motor protection.

 

Note: As of 1st November 2016, our Policy document has been updated for all renewals and new policies. Please use the Download panel on your right to access these updated documents. If you wish to download the documents for your current policies, please use the links below. 

Policy (for existing policies and renewals before 1st November 2016)

English | Bahasa Malaysia

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