Commercial - Comprehensive | Liberty Insurance Malaysia

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Product Overview

This policy is designed especially for vehicles used in business operations. From damages caused due to collision or overturn, malicious acts, fire, external explosions, self-ignition, lightning, burglary or theft, this policy provides protection for you and your vehicle.

What’s included

Discover the protection and benefits included in your plan.

Comprehensive Protection

Covers passenger’s injuries, regardless of whether it’s caused due to the negligence of the driver.
Liability Cover

Protect those around you by investing in a policy that covers any type of bodily injury and death of third parties involved.
Property Damage

We will pay for any loss or damage caused by your vehicle to another party’s property, including legal costs.
In-Transit

Covers the process of loading or unloading, prior to transit, by road rail, inland, waterway, lift or elevator.
Get a quote View all benefits

Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.

Comprehensive Protection

Covers passenger’s injuries, regardless of whether it’s caused due to the negligence of the driver.

Liability Cover

Protect those around you by investing in a policy that covers any type of bodily injury and death of third parties involved.

Property Damage

We will pay for any loss or damage caused by your vehicle to another party’s property, including legal costs.

In-Transit

Covers the process of loading or unloading, prior to transit, by road rail, inland, waterway, lift or elevator.

Get a quote View all benefits

Liberty General Insurance Berhad is a member of Perbadanan Insurans Deposit Malaysia (PIDM). PIDM protects the benefit(s) payable under the eligible policy up to protection limits. Please refer to PIDM's TIPS Brochure or PIDM's Website, or contact our customer service.

Important Notice to Prospective Policy Owners

Exclusions, Limitations, Terms and Conditions

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

Please ensure that the sum insured of the policyholder's vehicle is adequate according to the market value to avoid policyholder from being compensated lower than market value in case of a claim.

For more information please contact our customer service representative at at 1 300 888 990.
Vehicle Excess

Additional payment may be required to be borne by the policyholder in event of a Own Damage (OD) claim.
Legal Liability to Passenger (LLP)

As the owner of a vehicle, you must ensure to obtain Legal Liability to passenger (LLP) should you decide to bring your vehicle into the Republic of Singapore. This is applicable to all types of vehicle.

Liberty Ezy Plus Bundle – Commercial Vehicle Comprehensive

Add more confidence and safety to your drive, and keep your business driving forward.

We understand the value of your commercial vehicle to your business. From daily driving in the city to transporting goods across states, your commercial vehicle takes on the open road to keep operations running smoothly – but accidents can happen. Which is why we go one step further in protecting your business and its revenue with our Liberty EZY Plus Bundle - Commercial Vehicle - Comprehensive Insurance.

More Information

Liberty Ezy Plus Bundle – Commercial Vehicle Comprehensive

Benefits		A & C Permit		Condition
Benefits		Plan A Sum Insured	Plan B Sum Insured	Condition
1.	Accidental Death – (maximum up to 2 person)	RM50,000	RM80,000	Per person / per accident / annual
2.	Permanent Disablement – (maximum up to 2 person)			Per person / per accident / annual
	i) Loss of use for both hands or both feet	RM50,000	RM80,000
	ii) Loss of use for sight of both eyes	RM50,000	RM80,000
	iii) Loss of use for one hand and one foot	RM50,000	RM80,000
	iv) Loss of use for sight of one eye and one hand or one foot	RM50,000	RM80,000
	v) Loss of use for one hand or one foot	RM25,000	RM40,000
	vi) Loss of use for sight of one eye	RM25,000	RM40,000
3.	Hospital Income Benefits due to accident (Maximum 30 days - Maximum up to 2 person)	RM100/day	RM150/day	Daily benefit, up to 30 days max Per person / per accident / annual
4.	Medical Expenses due to accident up to – (Maximum up to 2 person)	RM500	RM1,500	Per person / per accident / annual
5.	Allowance due to loss of driver / one attendant to death in an accident involved the named vehicle (Maximum up to 2 person - Payable to the company)	RM2,000	RM2,000	Per person / per accident / annual
6.	Depreciation protection for total loss/theft for Commercial Vehicle 4 years old and below (Payment on the differences between current market value against the policy Sum Insured at the point of a claim settlement) Not Applicable for Under Insured Commercial Vehicle and Maximum payout of 15% of Motor Claim settlement for Over Insured Commercial Vehicle	Not Applicable	Differences between current market value against the policy Sum Insured at the point of a claim settlement	Vehicles 4 years old and below One occurrence / annual / per vehicle
7.	Tools of Trade, trade stock or materials damaged in accident or stolen in the named Commercial Vehicle	Not Applicable	RM1,000	Up to specified amount One occurrence / annual / per vehicle
8.	Sign Writing - fixed advertising or material forming a permanent part of the named Commercial Vehicle	Not Applicable	RM2,000	Up to specified amount One occurrence / annual / per vehicle
9.	Inconvenience Allowance due to Loss or damage during a strike, riot or lockout of the named Commercial Vehicle	Not Applicable	RM2,000	One occurrence / annual / per vehicle
10.	Cover for Misfuelling	Not Applicable	RM1,500	Up to specified amount One occurrence / annual / per vehicle
11.	Inconvenience Allowance due to Vehicle Theft / Total Loss - Fire (Payable to the Company)	Not Applicable	RM2,000	One occurrence / annual / per vehicle
12.	Weekly benefits due to accident of the named Commercial Vehicle (Payable to the Company)	Not Applicable	RM300/week	Weekly benefit of RM300, up to 4 weeks One occurrence / annual / per vehicle
13.	Waiver of Betterment (For vehicles aged 10 years & below)	Not Applicable	Applicable	Up to specified amount as per Commercial Vehicle policy schedule One occurrence / annual / per vehicle

Note: We will pay up to a limit as stated in the benefit table. Upon settlement of any claim under this benefit, the benefit shall be automatically terminated and no reinstatement shall be granted during each policy period.

*Expenses reflected in the bundle above is to be borne by the insured
*Terms and conditions apply

Type of Vehicle	Plan A (Annual Premium before Service Tax)	Plan B (Annual Premium before Service Tax)
A Permit	RM280	RM499
C Permit	RM250	RM399

Convenient Protection Packages for Easier, Better Coverage

Upgrade your commercial vehicle insurance and keep your business running with our packages, designed to protect your vehicles, drivers and operations. Select the right package from our flexible options and get more value at a great price.

All-In-One Protection

Each package combines several benefits, covering more than just your commercial vehicle.
Cost-Effective Bundling

Get more coverage for less by bundling multiple protections into one package.
Beyond Motor Coverage

Packages may include non-motor benefits, such as personal accident coverage, for added security.

Learn more

Important Documents

To fully understand your insurance plan, please read these important documents. They provide crucial information such as coverage details, exclusions and your rights as a policyholder so you can make an informed decision.

Must-Read Documents

Product Disclosure Sheet (PDS)

A quick overview of the key details, terms, and exclusions for this plan to help you make an informed choice.

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Bahasa Melayu PDF

Policy Wording

The full terms and conditions of your policy, including what’s covered, exclusions, and your responsibilities.

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Bahasa Melayu PDF

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Commercial - Comprehensive

Product Overview