Key Factors to Consider When Renewing Your Car Insurance Policy

An expired motor insurance is as useless as an old umbrella with holes in it. It will not be able to keep you dry and safe although its sole purpose is to provide protection on a rainy day. In Malaysia, motor insurance is mandatory and without which, owners will not be able to renew their road tax annually.

However, owning a motor insurance is not the end of the story. As the policy’s annual expiration date approaches, it’s important to keep a few key considerations in mind. To breeze through the annual renewal process and ensure you have adequate coverage, Kurnia Insurans and AmAssurance would like to share a few common mistakes to steer clear from when renewing your motor insurance policy.

• A Lapsed Policy

  For continuous coverage, it is important to timely renew your car insurance policy. You can set reminders by using a sticker on your car’s windshield or setting alerts on your phone. It’s important to avoid payment lapses as they result in coverage gaps. Without an active insurance policy, you won’t be able to make any claims in case of an incident during that period.

• Not Understanding Your Own Needs

  Before renewing your existing license, it would help to evaluate what is needed and what is not in your insurance coverage. For example, if windscreen protection or roadside assistance is something that may come in handy, then you may consider adding these add-ons as part of your policy. Adjusting it to suit your lifestyle, usage and vehicle is crucial as you would not want to risk being overinsured or underinsured with unnecessary add-ons.

• Being Outdated

  Ensure you make the most informed decision by exploring your options, reviewing policy details, and considering discounts. As part of this process, take a look at the comprehensive car insurance policies offered by Liberty Insurance, Kurnia Insurans and AmAssurance to see if they align with your needs and preferences.

• No Claim Discount (NCD) Eligibility

  When renewing your car insurance policy, don’t forget to maximise your savings with the NCD, as it acts as a rewarding bonus for responsible drivers during policy renewal. In Malaysia, the duration of your claim-free record directly influences the amount of discount you can enjoy. With discounts ranging from 25% to 55% off the annual premium.

• Not Knowing the Claims Process

  When selecting motor insurance, it’s crucial to assess the claims process. Opting for a hassle-free claims experience can alleviate concerns during emergencies. Consider factors such as the claim limit, duration, and requirements like photo or video proof. If you find the payout from your current policy inadequate, it’s an opportune time to enhance coverage by increasing premiums or adding suitable add-ons.

In a bid to raise awareness and remind motorists on the importance of renewing their motor insurance policies on time, Kurnia Insurans and AmAssurance has launched its Stick, Snap and Win Campaign for all Kurnia Insurans and AmAssurance brand policyholders.

For those renewing their Kurnia Insurans and AmAssurance car insurance policies from 15 June until 15 August 2023, they will receive an insurance reminder sticker and are eligible to participate in its Stick, Snap and Win Campaign. To take part, fill up the renewal details for your car insurance and road tax on the Insurance Reminder Sticker and stick it onto the windshield of your car – at the driver’s side.

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Effective 1st July 2023, kindly note that our operating hours for our Head Office and branches will change accordingly:

Head Office

• Monday to Thursday: 8.30am to 5.30pm
• Friday: 8.30am to 4.15pm  

Branches

• Monday to Thursday: 8.30am to 5.30pm
• Friday :  8.30am to 4.15pm
• Kota Bharu & Kuala Terengganu only: 
• Sunday to Wednesday : 8.30 am – 5.30 pm 
• Thursday : 8.30 am to 4.15 pm 

Claims Centre

• Monday to Friday: 8:30am to 5:30pm
• Friday: 8.30am to 4.15pm

Contact Centre & Claims Help Desk

• Monday to Friday: 8:30am to 5:30pm
• Friday: 8.30am to 4.15pm

Roadside Assistance

• 24 Hours

If you have any further enquiries, please do not hesitate to reach out to us.

Liberty

• Contact Centre: 1 300 88 8990
• Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Kurnia

• Contact Centre:1 800 88 3833
• Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

AmAssurance

• Contact Centre: 1 800 88 6333
• Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Thank you for your continuous support.

With the recent unpredictable extreme weather conditions in Malaysia, there is no way of knowing just what drivers might face on the road. More so with the current heatwave that has been causing fiery waves nationwide, from peat fires to forest fires, open burnings and even properties and motor vehicles catching fire.

Extreme weather may be unpredictable and uncontrollable. Hence, staying prepared and protected during the anticipated long-lasting heatwave until August is crucial. This includes knowing how to stay cool and ensuring our motor vehicles remain in good condition. Just like us, extreme heat places additional stress on vehicles, potentially leading to performance issues or breakdowns. Dealing with a breakdown in sweltering heat is far from ideal, especially if you're required to be on the road for most of the day in extreme humidity.

To keep your motor vehicle functioning well and ensure your safety, here are some essential tips to consider.

Identify potential explosives

Keep items like aerosol cans, electronic devices and lighters out of the parked car. Items that are packed in a pressurised can such as hairspray or even pepper spray may explode when the temperature inside the car rises above 50 degrees Celsius. While most may think that this is unlikely to happen, a stationary car under the hot sun for hours on end may record a high internal temperature. Electronic devices like laptops, cameras, power banks or even USB drives may malfunction from heat damage.

Heat kills perishables

Don't leave consumables such as medication, food items or water in the car under the sun for long. High temperatures reduce medication effectiveness and pose potential life-threatening risks if taken. Heat promotes bacterial growth in water bottles, contaminating the water. Plastic bottles act as fire-starters by magnifying sunlight. Remember, wine corks may pop and canned soda can turn rancid or taste off when exposed to heat. Safeguard perishable items from heat-related issues.

Check the vitals of your vehicle

High temperatures can damage your vehicle, affecting both the engine and tyres. Prevent engine overheating by regularly checking and replacing engine oil and coolant levels. As temperatures rise, tyre pressure tends to increase, which can be hazardous on the road and lead to brake issues due to excessive wear. Lastly, inspect batteries for corrosion and dirt build-up to maintain proper chemical balance and optimal performance.

Leave the mess at home

Parents with children should be more wary of what items are brought into the car. While crayons, markers and even pens may seem like a harmless item to bring into the car, heat can in fact deform plastic pens and markers. Its ink will even leak and crayons may melt into a gooey mess due to the heat in the car. This may cause damage to the vehicle’s interior and it is another mess for you to clean up.

Stay cool in the car

One of the most important things to take note of is the vehicle’s air-conditioning unit. If the air-conditioning unit is faulty, it will be a dangerous ride. With temperatures on the rise, it will also cause passengers to become agitated, uncomfortable and could even cause a heat stroke especially if you stay under the sun for too long. So, if your vehicle’s air-conditioning unit is struggling to cool down the vehicle then do get it fixed immediately.

In addition to these tips, be even more prepared and protected with a motor insurance that protects you, your loved ones and even your vehicle.

With Liberty Insurance’s Private Car EZY Plus Comprehensive policy, policyholders can rest assured that they are covered when it comes to coverage for Personal Accident, Medical Expenses, Key Replacement and Child Seat Replacement. For a more comprehensive coverage, policyholders can also opt for the EZY Plus Bundle premium add-ons which includes 24-hour unlimited mileage towing for breakdowns or accidents, a flood inconvenience allowance, coverage for side mirror damage, and a warranty for workmanship repairs. With the convenient Liberty Own Damage (OD) Express Claim process, claims can be quickly made through a smartphone within 48 hours.

Related News

• Zulyusmar.com: Safeguarding Your Motor Vehicle during the Heatwave
• Newswav.com: Beat The Heat For A Cooler Drive
• Drivingmotion.com: BEAT THE HEAT FOR A COOLER DRIVE SAFEGUARDING YOUR MOTOR VEHICLE DURING THE HEATWAVE
• Carsense.my: Protect Your Car During a Heat Wave
• Bigwheels.my: Here’s how you can safeguard your car in the heatwave
• Nst.com.my: Heatwave: Keep your car cool

Chief Executive Officer (CEO) Puneet (Pasha) Pasricha

AmGeneral Insurance Berhad is pleased to announce that Puneet (Pasha) Pasricha has officially assumed the position of Chief Executive Officer (CEO).

Pasha has more than 26 years of leadership and multifunctional experience in business management and the insurance industry. He has been with Liberty Mutual for more than 16 years in various managerial capacities across US, India and Malaysia.

Pasha will be stepping into the CEO role for the combined Malaysia Market and he is excited to be a part of the journey to make Malaysia a safer place.

AmGeneral Insurance Berhad would like to take this opportunity to express its sincere appreciation to Martin Bridger for his valuable contributions during his tenure as CEO from September 2022 to April 2023.

The company’s commitment is to deliver exceptional solutions to the customers and business partners through the lens of value, access, and ease. AmGeneral Insurance Berhad will continue to engage with all stakeholders as we embark on this new journey to become the largest motor insurer and a leading general insurer in Malaysia.