Motorist's Companion

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Product Overview

When driving a vehicle, we are responsible for not only our wellbeing, but that of our passengers. This policy is designed to give you the assurance that whether driving to work, school or running errands, both you and your passengers are protected when boarding, travelling in and alighting from your vehicle.

What’s included

Discover the protection and benefits included in your plan.

Lowest Premiums

Protection from as low as 15 cents a day (inclusive of SST), as well as a 5% discount on premiums for every additional car.
Medical Payments

Reimbursements up to RM500 per person for medical or surgical treatment, including hospitalization and services of trained nurses.
Comprehensive Protection

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

This policy covers the driver and passengers of a non-commercial vehicle, from injuries sustained due to riot and civil commotion.
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.

Lowest Premiums

Protection from as low as 15 cents a day (inclusive of SST), as well as a 5% discount on premiums for every additional car.

Medical Payments

Reimbursements up to RM500 per person for medical or surgical treatment, including hospitalization and services of trained nurses.

Comprehensive Protection

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

Riot and Civil Commotion

This policy covers the driver and passengers of a non-commercial vehicle, from injuries sustained due to riot and civil commotion.

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.

More Information

Browse these common questions to get the answers you need.

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.

Assuring that you are always protected, this personal accident insurance plan covers both the driver and passenger whilst boarding, travelling in or alighting from the insured vehicle.

Easy Application

Any persons aged 18-70 years who resides in Malaysia and possesses a valid driving license may apply.

Fully-loaded Benefits

This policy is payable in addition to other personal accident policies that you may have with us.

Comprehensive Protection

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

Fixed Premium

You can now enjoy hassle-free, uninterrupted protection for all vehicle types through a fixed annual premium.

More Information

Features

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 and below are entitled to 50% of all the benefits provided.

Eligibility

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

Table of Benefits

Item	Benefits	Sum Insured (RM)
1.	Accidental Death	20,000
2.	Permanent Dismemberment
	i) Loss of both hands or both feet	20,000
	ii) Loss of sight of both eyes	20,000
	iii) Loss of one hand and one foot	20,000
	iv) Loss of sight of one eye and one hand or one foot	20,000
	v) Loss of one hand or one foot	10,000
	vi) Loss of sight of one eye	10,000
3.	Medical Expenses Reimbursement	500 per person per accident

Annual Premium

Seating Capacity (Include Driver)	Annual Premium (RM)*	Sum Insured
5	120.00	RM20,000 per person
Each additional Seat	20.00	RM20,000 per person

Note:

Driver’s age should be 18 years old and above.
Passenger aged below 15 years old are entitled up to 50% of all the benefits proposed.
This premium amount is before Service Tax and Stamp Duty.

Exclusions

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.

Important Notice to Prospective Policy Owners

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

Downloads

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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Seating Capacity (Including Driver)	Sum Insured (RM)
	10,000	20,000
	Annual Premium (RM)
4	50.00	100.00
5	60.00	120.00
6	70.00	-
Each additional seat	8.00	-

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Product Overview