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Motorist's Companion Extra

Motorist's Companion Extra

The product provides compensation for any bodily injury caused solely and directly by violent accidental external and visible means and being the sole and direct cause of death or disablement to the driver and or passenger(s) driving or riding as passenger(s) boarding or alighting from the vehicle. Moreover, Car Assistance Program and Inconvenience Benefit are being provided by the policy. The policy provides 24 hours worldwide coverage to the policyholder / insured person accordingly.

  • Easy to apply
  • Benefit is payable in addition to other PA policies
  • Benefit is payable irrespective of who is at fault
  • 3 options of plans are available for all vehicle types
  • Passengers aged 15 years and below are entitled to up to 50% of all the benefits provided

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

Section 1
Personal Accident Benefits
Plan 1
Plan 2
Plan 3
Limits
A
Accidental Death or Permanent Disablement
RM10,000
RM20,000
RM50,000
per person / per accident
B
Medical Expenses (Up to)
RM1,000
RM2,000
RM3,000
per person / per accident
C
Funeral Expenses
RM500
RM500
RM500
per person / per accident
D
Double Indemnity (Nationwide Public Holidays)
RM20,000
RM40,000
RM100,000
per person / per accident
E
Corrective Dental/Cosmetic Surgery Benefits/Ambulance Fees (up to)
RM2,000
RM2,000
RM2,000
per person / per accident
E
Hospital Income Benefits due to accident (Maximum 60 days)
RM30/day
RM50/day
RM75/day
60 days / per person / per accident
Section 2
Car Assistance Program (On Named Vehicle only)
TOLL FREE NO.: 1-800-88-5005
     
A
24 hours Emergency Towing (due to breakdown / accident)
Breakdown (WM): Limit: 700km (roundtrip) (EM)
50KM from the main cities (Kota Kinabalu, Sandakan,
Lahad Datu, Tawau, Sibu, Bintulu, Miri, Kuching and Labuan)
Toll expenses: Max. RM100/ per event
Accident (WM & EM): RM200 / per accident
Within Malaysia, Penang & Langkawi (exclude other island)
Limit: Max. (Breakdown/towing) 3 times /per year
B
Minor Roadside Repair - (due to breakdown)
2 hours/labour per event (Limit 3 times / per year)
C
Taxi Assistance & reimbursement - (due to breakdown)
RM60.00 – per event (Limit 3 times / per year)
D
International Assistance (Singapore & Thailand) –(due to breakdown/Accident)
Within 100km from Malaysian border
Free towing to the nearest workshop (within Singapore/Thailand);
otherwise repatriation to Malaysian border at own cost of the insured
E
Arrangement of Emergency Evacuation-(due to breakdown/accident)
Limit : 3 times / per year
F
Referral to Service Centre - (due to breakdown/accident)
Limit : 3 times / per year
G
Emergency Message Transmission - (due to breakdown/accident)
Limit : 3 times / per year
Section 3
Additional Benefits (within Malaysia)        
A
Car Rental Reimbursement (Total Loss/Theft)
5 days (Max. RM600)
6 days (Max. RM750)
7 days (Max. RM900)
Up to RM 150.00 per day
One occurrence / per year
B
Theft Inconvenience Allowance
1,000
2,000
3,000
One occurrence / per year
If the Named Vehicle cannot be found
within 21 days from the date of loss
C
Smash & Grab Inconvenience Allowance (personal effect/cash)
300
300
300
One occurrence / per year
D
Flood Inconvenience Allowance
300
300
300
One occurrence / per year
E
Accident Inconvenience Allowance
300
300
300
One occurrence / per year
(Exclude windscreen, Theft / Total Loss)
F
Replacement of
Car key / transmitter (Theft/Robbery)
150
200
300
One occurrence / per year
   
Sum Insured (RM)
 
 
Plan 1
Plan 2
Plan 3
 
10,000 Per Person
20,000 Per Person
50,000 Per Person
Seating Capacity (incl. driver)
 
Annual Premium (RM)
 
5 Seater
RM90.00
RM118.00
RM188.00
Each Add. Seat
RM22.26
RM22.26
RM22.26

*Note: Driver’s age should be 18 years old and above
Passengers aged 15 years old and below are entitled to up to 50% of all the benefits proposed
This premium amount is inclusive of Goods and Services Tax at 6%

  • 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 pacemaking, speed testing or use for any purpose in connection with the motor trade
  • War or contamination by war, invasion, act of foreign enemy, hostilities of 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 or 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.

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