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Comprehensive (Autostar)

Comprehensive (AutoStar)

Your Car Definitely Deserves the Best

Give your car total motor protection from accidents to the downright unexpected with AutoStar's 5-Star motor protection.

 

Note: As of 1st November 2016, our Policy document has been updated for all renewals and new policies. Please use the Download panel on your right to access these updated documents. If you wish to download the documents for your current policies, please use the links below. 

Policy (for existing policies and renewals before 1st November 2016)

English | Bahasa Malaysia

What is AutoStar?

AutoStar by Liberty Insurance Berhad gives you the best motor protection money can buy. With a comprehensive plan covering every aspect of your automobile, you can be assured that your car is protected comprehensively for total peace of mind.

Guaranteed 24-hour Claims Approval

Enjoy hassle-free claims approval within 24 hours, with our electronic claims estimation system.

Hassle-free Renewal via Internet

Renew your policy in the comforts of your home or office via http://www.libertyinsurance.com.my

Easy NCD Transfers

Convenient NCD transfers to and from your vehicles

A Name You Can Trust 

Liberty Insurance offers you reliability with 31 years of experience in providing protection for Malaysians.

Wide Branch Network

With 25 branches nationwide, you can be assured of convenient and accessible service.

Claims & Insurance Enquiries are Just a Phone Call Away! 

A fully-functional Liberty Insurance Berhad Call Centre at toll free 1-300-888-990.

1-800-88-5005 -- Emergency Assistance anytime, anywhere

As an AutoStar cardholder, you will also enjoy a host of services for your vehicle in case of a breakdown and emergency, for total peace of mind and protection.

Free Towing & Roadside Repair Services

Free towing of up to 150 kilometres will be arranged if your car is involved in an accident or breakdown. In the case of roadside repair, all toll charges and cost of spare parts will be borne by you.

Help is at Hand with Just One Number 

Anytime, anywhere, just call 1-800-88-5005 for emergency and breakdown assistance.

Car Rental Assistance

Assistance with the arrangement of car rental at your own cost.

Arrangement for Hotel Accommodation

Assistance with the arrangement of car rental at your own cost.

Emergency Message Transmission 

Subject to your authorisation, in case of an accident or breakdown, we will assist you to contact or inform your next-of-kin.

LIBERTY INSURANCE BERHAD’s

AutoStar Towing and Motoring Assist Terms & Conditions

SECTION 1 -- DEFINITIONS

1.1 Member

  Shall mean the owner or the driver of the vehicle whom Liberty Insurance Berhad has qualified to participate in the Liberty Insurance Berhad Auto Assist 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 Member and whom Liberty Insurance Berhad have qualified to participate in the Liberty Insurance Berhad Auto Assist Program, and complying with the relevant provisions, laws and regulations of the Road Transport Act 1987 Malaysia.

1.3 Residence

  Member’s permanent home address in Malaysia as indicated on the Member’s Application Form for the Liberty Insurance Berhad Auto Assist Program.

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 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 Member will be referred to by Liberty Insurance are for most part independent contractors responsible for their own acts and not employees, agents or servants of Liberty Insurance.

Furthermore, Liberty Insurance 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 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 Member except for Towing up to 150KM radius.

SECTION 3 -- ASSISTANCE SERVICES

Liberty Insurance Berhad Auto Star shall provide the following services to the Members:

3.1 24 Hours Towing Assistance

If the vehicle breaks down and is immobilised in Malaysia, Liberty Insurance Berhad will organise towing up to 150KM radius. 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.

Members will enjoy four (4) towing or breakdown services per year and additional towing or breakdown services will be provided at customer’s cost upon request. All towing are to one (1) destination only.

3.2 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, MASA shall assist Liberty Insurance 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 Members.

3.3 Privileged Car Rental

Members shall be entitled up to thirty percent (30%) discount on published rates on car rental from MASA's car rental partners. All rentals and other costs incurred in relations to the rental of the vehicle shall be borne totally and directly by the Members.

3.4 Privileged Hotels And Resorts

Members shall be entitled up to thirty percent (30%) discount on published rates on hotels and resorts from MASA's panel of hotels and resorts. All accommodation and other costs incurred in relations to the stay at the selected hotels and resorts shall be borne totally and directly by the Members.

3.5 Emergency Message Transmission

In the event of an emergency, MASA shall undertake to inform the Member'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, MASA shall arrange on a service basis an ambulance or other means of transportation to send the Member to the nearest public or private medical centre or hospital. The cost for any medical treatment received by the Member shall be borne totally and directly by the Member.

3.7 Home Assist

Members are entitled to request for the following services:-

(a) Plumbing repair - arrangement for a competent service provider to assist in repair work.

(b) Air-conditioning service and repair - arrangement for a competent service provider to assist in repair work.

(c) Electrical wiring repair - arrangement for a competent service provider to assist in repair work.

(d) Locksmith - arrangement for a competent service provider to assist in repair work.

3.8 Concierge Assist

Members are entitled to request for assistance in organising the following services:-

(a) Hotel and restaurant reservations -- arrangement to make reservations at Member's preferred hotels and restaurants.

(b) Golf tee-off reservations - arrangement to make reservation at Member's preferred golf club.

(c) Flower deliveries - arrangement for a florist to deliver bouquets and gifts.

(d) Ticket reservations - arrangement to make reservations for travel tickets to Member's preferred destination.

SECTION 4 -- MEMBER OBLIGATIONS AND PROCEDURES

4.1 Request For Assistance

In case of assistance, and prior to taking personal action, the Member or his/her representative shall call Liberty Insurance Berhad’s twenty-four (24) hours Emergency Hotline and furnish details such as:

a) His/her name, the vehicle registration number and NRIC number.

b) The name of the place and if possible the telephone number where Liberty Insurance can reach the Member or his/her representative.

c) A brief description of the emergency and the nature of the assistance required.

EMERGENCY HOTLINE : 1-800-88-5005

4.2 Co-Operation With Liberty Insurance

The Member shall cooperate with Liberty Insurance to enable Liberty Insurance Berhad to get all original documents and receipts from relevant sources.

4.3 Limitation On Assistance Cases

Any assistance cases with respect to an assistance event or claim shall be forfeited unless such claim is filed within fourteen (14) working days of the occurrence of such event.

4.4 Special Request

Members who request for carrier or use of ‘baby tyre’ will be free of charge.

4.5 Charges Per Bill

Members will pay for towing according to towing bill and not kilometre (KM) in areas such as Penang, Langkawi, Labuan, Genting Highlands, Cameron Highlands and Fraser Hill and any other highlands (Example: If the bill is amounting to RM350.00 (Inclusive of Goods and Services Tax), customers only need to pay RM50.00 as Liberty Insurance Berhad covers up to a maximum of RM300.00 (Inclusive Goods and Services Tax).

SECTION 5 -- GENERAL EXCLUSIONS

5.1 Owner’s Present

Members must be at the site of incident for verification. Liberty Insurance Berhad reserves the right to deny the service if the Member of the vehicle is not available prior to towing.

5.2 Liberty Insurance Berhad shall not be held responsible for the provision of the assistance services in respect of:

a) Any person who drives the said vehicle who does not hold a valid license issued by the relevant authority.

b) Vehicle modified for racing, trials or rallying or participating in such activities.

c) Any call for assistance made by the Members on behalf of his/her relative(s) or friends(s) which their vehicles are not listed as Liberty Insurance Berhad Member.

d) Vehicle number that does not tally with the number registered with Liberty Insurance Berhad, meaning the programme is only applicable to the registered vehicle and not the Member.

e) Any expenses directly paid by the Member to any third party without prior authorisation from Liberty Insurance Berhad.

f) Any vehicle carrying more passengers or towing greater weight than for which it was designed as stated in the manufacturer’s specification or arising directly or indirectly from or out of the unreasonable driving of the vehicle on unsuitable terrain.

g) Any Member who have failed to take all reasonable precautions to maintain his/her vehicle in an efficient roadworthy condition.

h) Any vehicle left unattended for a period of a day (24 hours) or more which later culminate the problem of either the vehicle cannot be started due to weak battery, spoilt alternator, flat tyre or any other related cause.

i) Mechanical breakdown due to lack of engine oil, petrol, water and/or frost damage. Upon request from the Member, Liberty Insurance Berhad may provide assistance for such incidences subject to payment by Members of all actual costs involved.

j) Ignition key accidentally left and was locked from inside the said vehicle.

k) Change of flat tyre will be entertained only when Member keeps a good spare tyre that is roadworthy.

l) The Company shall not be liable for any vehicle assistance that is caused by or attributed to the act of cheating by any person within the meaning of the definition of the offence of cheating set out in the Penal Code.

m) Cost of services on accident case that are duly covered by a motor policy and against which a claim from the insurance company concerned is also being made or otherwise.

n) Any accident, Mechanical breakdown, flat tyre and/or the said vehicle was immobilised on all the Malaysia Islands except Pulau Pinang, Langkawi and Labuan.

o) Loss or damage directly or indirectly occasioned as a consequence of war, invasion, act of God, act of foreign enemies, hostilities whether war be declared or not, civil war, rebellion, insurrection, terrorism, military and usurped power, riot or commotion.

p) Any members found intoxicated with alcohol, drugs or any other substances during service.

q) LIBERTY INSURANCE BERHAD will not be held responsible or be liable for the failure on the part of Liberty Insurance Berhad to render, provide or pay for the said benefits and entitlements to the members as stipulated herein.

r) Kindly visit to our website at www.libertyinsurance.com.my for the latest “AutoStar Towing & Motoring Assist Terms & Conditions”.

For further details, please click here :

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