Motorist’s Companion Commercial

Motorist's Companion Commercial

Motorist´s Companion Commercial (MCC) is a personal accident insurance plan that provides cover for driver and/or one attendant only whilst driving as a driver, riding, boarding or alighting from a named commercial vehicle. 

  • 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 commercial vehicle types.
  • Commercial vehicle owner and their authorised driver(s) and/or attendant - anyone who resides in Malaysia with a valid driving license to drive a commercial vehicle.
  • Driver and/or attendant - anyone in between the age of 18 to 70.
Sum Insured (RM)*
Accidental Death
50,000 per person
Permanent Dismemberment
i) Loss of both hands or both feet
50,000 per person
ii) Loss of sight of both eyes
50,000 per person
iii) Loss of one hand and one foot
50,000 per person
iv) Loss of sight of one eye and one hand or one foot
50,000 per person
v) Loss of one hand or one foot
25,000 per person
vi) Loss of sight of one eye
25,000 per person
Medical Expenses Reimbursement
500 per accident

* The maximum sum payable for any one period of insurance should not exceed RM100,000 per commercial vehicle.

Seating Capacity (Driver and One Attendant Only)
Annual Premium (RM)**
2 (Maximum)***

** The premium amount is inclusive of Service Tax

  • 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.

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

For further details, please click here :

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