Motorist´s Companion Agreed Value

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.

  • Easy to apply.
  • Benefit is payable in addition to other PA policies.
  • Benefit is payable irrespective of who is at fault.
  • Fixed annual premium for all vehicle types.
  • Passengers aged 15 years old and below are entitled up to 50% of all the benefits provided.

Vehicle owner and their authorised driver(s) - anyone who resides in Malaysia with a valid driving license.

Sum Insured (RM)
Accidental Death
Permanent Dismemberment  
i) Loss of both hands or both feet
ii) Loss of sight of both eyes
iii) Loss of one hand and one foot
iv) Loss of sight of one eye and one hand or one foot
v) Loss of one hand or one foot
vi) Loss of sight of one eye
Medical Expenses Reimbursement
500 per person per accident
Seating Capacity (Including Driver)
Annual Premium (RM)*
Each additional seat


* The premium amount is before Goods and Services Tax (GST). This offer excludes stamp duty. Please add RM10 as stamp duty to your premium.

  • If the driver does not hold a valid driving license to drive the vehicle or if not qualified for holding or obtaining such a license under the regulation of the Malaysia Road Transport Department.
  • While the vehicle is used for illegal business as an unlicensed common carrier.
  • If the vehicle is used for hire, road rally pace making, speed-testing or use for any purpose in connection with the motor trade.
  • War or contamination by war, invasion, act of foreign enemy, hostilities or warlike operations, mutiny, civil war, rebellion, revolution insurrection, conspiracy, military uprising, martial law or state of siege.
  • Bacterial infections, suicide or self-inflicted injury, pre-existing physical or mental defect or infirmity, HIV and AIDS related diseases.
  • Childbirth, miscarriage, pregnancy or any other complications thereof.
  • Criminal acts or terrorism.
  • Influence of intoxicating liquor, alcohol or drugs.

Please note that the exclusions, limitations, terms and conditions stated above are not exhaustive. Please refer to the actual Policy for details.

Hotline 1 300 888 990