LIBERTY INSURANCE BERHAD
Roadside Service Assistance Terms & Conditions
SECTION 1 -- DEFINITIONS
1.1 CUSTOMER
Shall mean the owner or the driver of the vehicle whom Liberty Insurance Berhad has qualified to participate in the Liberty Insurance Berhad Roadside Service Assistance Program and having his/her permanent Residence in Malaysia.
1.2 VEHICLE
Shall mean any duly registered private and/or company motor vehicle under one (1) tonne unlade weight (excluding trucks, taxis, commercial vehicles and all vehicles registered under Hire and Drive) belonging to the Customer and whom Liberty Insurance Berhad have qualified to participate in the Liberty Insurance Berhad Roadside Service Assistance Program, and complying with the relevant provisions, laws and regulations of the Road Transport Act 1987 Malaysia.
1.3 RESIDENCE
Customer’s permanent home address in Malaysia as indicated during the registration with Liberty Insurance Berhad
SECTION 2 -- AVAILABILITY OF ASSISTANCE SERVICES, LIMITATIONS AND LIABILITIES
2.1 AVAILABILITY OF ASSISTANCE SERVICES
The period of validity of the services mentioned in Section 3 are granted similar to the period of the validity of the Private Car Comprehensive Motor Insurance Policy with LIBERTY INSURANCE BERHAD.
2.2 TERRITORIAL LIMITS
The services mentioned in Section 3 shall be available in all gazette road of Malaysia including Sabah and Sarawak excluding all the Malaysian islands except Langkawi, Penang and Labuan which subject to clause 4.5.
2.3 LIABILITY OF LIBERTY INSURANCE BERHAD
Liberty Insurance Berhad shall not be held responsible for delays or impediments in performing the assistance due to strike, war, invasion, act of armed hostilities (regardless of a formal declaration of war), civil war, terrorism, riot and civil commotion, radioactivity or any act of God or widespread catastrophe such as flood and earthquake or tidal wave.
It is understood that the towing truck, workshop, garage, chauffeur and any kind of professionals to whom the Customer will be referred to by Liberty Insurance Berhad are for most part independent contractors responsible for their own acts and not employees, agents or servants of Liberty Insurance Berhad.
Furthermore, Liberty Insurance Berhad shall not be responsible for any act or failure to act on the part of those professionals such as, and not limited to, towing truck, workshop, garage, chauffeur, physicians and other professionals.
Liberty Insurance Berhad shall not be responsible for any expenses, fees or charges under the benefits mentioned herein which is on a need basis and all costs shall be borne entirely and directly by the Customer except for Towing up to the mileage defined in the product disclosure sheet of policy subscribed. For an instance, a comprehensive private car policy will entitle towing up to 150km (roundtrip) for a total of 4 events per annum. Therefore, Customer is entitled for free services within the specified benefit described and Customer would only be required to bear the cost of Roadside Service Assistance when the mileage of services is beyond 150km for the first four service assistance requests or the entire Roadside Service Assistance cost for the fifth request onwards within the same policy year.
SECTION 3 -- ASSISTANCE SERVICES
Liberty Insurance Berhad Roadside Service Assistance shall provide the following services to its Customer:
3.1 24 HOURS ROADSIDE SERVICE ASSISTANCE
If the vehicle breaks down and is immobilized in Malaysia, Liberty Insurance Berhad will organize roadside service assistance to the mileage defined in the product disclosure sheet of policy subscribed. For an instance, a comprehensive private car policy will entitle assistance up to 150km (roundtrip) for a total of 4 events per annum.
The vehicle shall be towed to the nearest repairer or safe storage place or to the drivers/passengers place of residence or roadside repair if required.
Liberty Insurance Berhad will not be held responsible for any cost of replacement of parts or damage to or theft of objects and accessories, which are left in or outside the vehicle.
Customers will enjoy towing or breakdown services per year in reference to the benefits available for policy subscribed and any additional towing or breakdown services will be provided at customer’s cost upon request. For an instance, a comprehensive private car policy will entitle towing up to 150km (roundtrip) for a total of 4 events per annum excluding Accident related Towing. All Breakdown Towing is allowed to a single destination only. The Towing Assistance for Breakdown does not cover from a repairer workshop to another repairer’s workshop therefore, in the event such services is required, the towing cost shall be borne by the customer. The Breakdown Towing is provided in view to enable customer assistance to obtain repair services from the nearest workshop available, thus mobilizing vehicles from workshop to another workshop is not covered within the free Roadside Service Assistance program.
3.2 BATTERY ASSIST SERVICES
In the event of a battery failure, Customer may request Liberty Roadside Service Assistance to provide a jump start assistance to enable him/ her to drive to the nearest workshop to have the battery replaced or repaired, or request for battery purchase services which is solely dependable on stock availability and customer acceptance to bear the cost of the new battery replacement for immediate installation.
3.3 ALTERNATIVE TRAVEL AND ACCOMMODATION ASSISTANCE
In the event of an accident or breakdown, should an alternative travel and/or accommodation assistance be required; the customer may make a request to Liberty Insurance Berhad to provide alternative travel assistance.
Upon receipt of such request from the customer, Liberty Roadside Service Assistance to arrange for alternative transportation and/or accommodation for the customers to continue their journey and/or if the customer needs to spend a night at a hotel should the vehicle breakdown and repair work cannot be completed. All costs incurred for alternative travel assistance will be borne totally and directly by the policy holder or customer.
3.4 PRIVILEGED CAR RENTAL
Customer shall be entitled up to thirty percent (30%) discount on published rates on car rental from Liberty Roadside Service Assistance car rental partners. All rentals and other costs incurred in relations to the rental of vehicle shall be borne by the Customer. The discount obtainable is based on the best quote available at the time. Customer may use his/her discretion before agreeing to subscribe ant services recommended.
3.5 EMERGENCY MESSAGE TRANSMISSION
In the event of an emergency, Liberty Roadside Service Assistance shall undertake to inform the Customer’s next of kin with a reasonable time frame from the time that it receives information of the incident.
3.6 EMERGENCY EVACUATION ASSISTANCE
In the event of an accident, Liberty Roadside Service Assistance shall arrange on a service basis an ambulance or other means of transportation to send the Customer to the nearest public or private medical centre or hospital. The cost for any medical treatment and the ambulance or other means of transportation received by the Customer shall be borne totally and directly by the Customer.
3.7 HOME ASSIST
Customer is entitled to request for the following services where the cost of repair will be borne entirely by customer:-
- Plumbing repair - arrangement for a competent service provider to assist in repair work.
- Air-conditioning service and repair - arrangement for a competent service provider to assist in repair work.
- Electrical wiring repair - arrangement for a competent service provider to assist in repair work.
- Locksmith - arrangement for a competent service provider to assist in repair work.
3.8 CONCIERGE ASSIST
- Hotel and restaurant reservations - arrangement to make reservations at Customer's preferred hotel and restaurant.
- Golf tee-off reservations - arrangement to make reservation at Customer's preferred golf club.
- Flower deliveries - arrangement for a florist to deliver bouquets and gifts.
- Ticket reservations - arrangement to make reservations for travel tickets to Customer's preferred destination.
3.9 INTERSTATE AMBULANCE SERVICE
Liberty Roadside Service Assistance shall organize transporting of Customer from one hospital or medical centre in one State to another hospital or medical centre of a different State. The cost shall be borne entirely by Customer.
3.10 INTERNATIONAL ROADSIDE ASSISTANCE AT NEIGHBOURING COUNTRIES – SINGAPORE, THAILAND & BRUNEI
Liberty Roadside Service Assistance will provide towing and repatriation services up to 100km (roundtrip) from Malaysian borders to the neighbouring countries specified above. Cost of additional mileage beyond the specified will be borne by Customer. Once repatriated or towed to Malaysian territory, the Customer’s local Roadside Service Assistance coverage will apply.
SECTION 4 -- CUSTOMER OBLIGATIONS AND PROCEDURES
4.1 REQUEST FOR ASSISTANCE
In case of assistance, and prior to taking personal action, the Customer or his/her representative shall call Liberty Insurance Berhad’s twenty-four (24) hours Emergency Hotline and furnish details such as:
- His/her name, the vehicle registration number and NRIC number.
- The name of the place, exact location with landmark (if necessary) and telephone number where Liberty Roadside Service Assistance can reach the Customer or his/her representative.
- A brief description of the emergency and the
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