Monday, 29 August 2016

Mercedes Car Insurance Kuala Lumpur Directory












Mercedes Car Insurance Kuala Lumpur Directory
ACPG Management Sdn Bhd
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323





















MERCEDES AIG Malaysia Motor Insurance Kuala Lumpur Malaysia
MERCEDES AIG Malaysia Motor Insurance Kuala Lumpur
MERCEDES AIG Malaysia Motor Insurance Selangor
MERCEDES AIG Malaysia Motor Insurance Cheras
MERCEDES AIG Malaysia Motor Insurance Ampang
MERCEDES AIG Malaysia Motor Insurance Kampung Pandan
MERCEDES AIG Malaysia Motor Insurance Pandan Jaya
MERCEDES AIG Malaysia Motor Insurance Pandan Perdana
MERCEDES AIG Malaysia Motor Insurance Pandan Indah
MERCEDES AIG Malaysia Motor Insurance Taman Cheras
MERCEDES AIG Malaysia Motor Insurance Taman Pertama Cheras
MERCEDES AIG Malaysia Motor Insurance Taman Segar Cheras
MERCEDES AIG Malaysia Motor Insurance Taman Midah
MERCEDES AIG Malaysia Motor Insurance Bandar Tun Razak
MERCEDES AIG Malaysia Motor Insurance Taman Billion
MERCEDES AIG Malaysia Motor Insurance Taman Mewah
MERCEDES AIG Malaysia Motor Insurance Balakong
MERCEDES AIG Malaysia Motor Insurance Bangsar
MERCEDES AIG Malaysia Motor Insurance Pantai Dalam
MERCEDES AIG Malaysia Motor Insurance Jalan Kelang Lama
MERCEDES AIG Malaysia Motor Insurance Kuchai Lama
MERCEDES AIG Malaysia Motor Insurance Sungai Besi
MERCEDES AIG Malaysia Motor Insurance Puchong
MERCEDES AIG Malaysia Motor Insurance Shah Alam
MERCEDES AIG Malaysia Motor Insurance PJ
MERCEDES AIG Malaysia Motor Insurance Petaling Jaya
MERCEDES AIG Malaysia Motor Insurance Seri Petaling
MERCEDES AIG Malaysia Motor Insurance Desa Petaling
MERCEDES AIG Malaysia Motor Insurance Subang
MERCEDES AIG Malaysia Motor Insurance USJ
MERCEDES AIG Malaysia Motor Insurance Damansara
MERCEDES AIG Malaysia Motor Insurance Kota Damansara
MERCEDES AIG Malaysia Motor Insurance Kepong
MERCEDES AIG Malaysia Motor Insurance Sungai Buluh
MERCEDES AIG Malaysia Motor Insurance Rawang
MERCEDES AIG Malaysia Motor Insurance Jalan Ipoh
MERCEDES AIG Malaysia Motor Insurance Selayang
MERCEDES AIG Malaysia Motor Insurance Gombak
MERCEDES AIG Malaysia Motor Insurance Wangsa Maju
MERCEDES AIG Malaysia Motor Insurance Setapak
MERCEDES AIG Malaysia Motor Insurance Kajang
MERCEDES AIG Malaysia Motor Insurance Sungai Long
MERCEDES AIG Malaysia Motor Insurance Mahkota Cheras
MERCEDES AIG Malaysia Motor Insurance Seri Kembangan
MERCEDES AIG Malaysia Motor Insurance Kajang
MERCEDES AIG Malaysia Motor Insurance KL
MERCEDES AXA Malaysia Motor Insurance Kuala Lumpur Malaysia
MERCEDES AXA Malaysia Motor Insurance Kuala Lumpur
MERCEDES AXA Malaysia Motor Insurance Selangor
MERCEDES AXA Malaysia Motor Insurance Cheras
MERCEDES AXA Malaysia Motor Insurance Ampang
MERCEDES AXA Malaysia Motor Insurance Kampung Pandan
MERCEDES AXA Malaysia Motor Insurance Pandan Jaya
MERCEDES AXA Malaysia Motor Insurance Pandan Perdana
MERCEDES AXA Malaysia Motor Insurance Pandan Indah
MERCEDES AXA Malaysia Motor Insurance Taman Cheras
MERCEDES AXA Malaysia Motor Insurance Taman Pertama Cheras
MERCEDES AXA Malaysia Motor Insurance Taman Segar Cheras
MERCEDES AXA Malaysia Motor Insurance Taman Midah
MERCEDES AXA Malaysia Motor Insurance Bandar Tun Razak
MERCEDES AXA Malaysia Motor Insurance Taman Billion
MERCEDES AXA Malaysia Motor Insurance Taman Mewah
MERCEDES AXA Malaysia Motor Insurance Balakong
MERCEDES AXA Malaysia Motor Insurance Bangsar
MERCEDES AXA Malaysia Motor Insurance Pantai Dalam
MERCEDES AXA Malaysia Motor Insurance Jalan Kelang Lama
MERCEDES AXA Malaysia Motor Insurance Kuchai Lama
MERCEDES AXA Malaysia Motor Insurance Sungai Besi
MERCEDES AXA Malaysia Motor Insurance Puchong
MERCEDES AXA Malaysia Motor Insurance Shah Alam
MERCEDES AXA Malaysia Motor Insurance PJ
MERCEDES AXA Malaysia Motor Insurance Petaling Jaya
MERCEDES AXA Malaysia Motor Insurance Seri Petaling
MERCEDES AXA Malaysia Motor Insurance Desa Petaling
MERCEDES AXA Malaysia Motor Insurance Subang
MERCEDES AXA Malaysia Motor Insurance USJ
MERCEDES AXA Malaysia Motor Insurance Damansara
MERCEDES AXA Malaysia Motor Insurance Kota Damansara
MERCEDES AXA Malaysia Motor Insurance Kepong
MERCEDES AXA Malaysia Motor Insurance Sungai Buluh
MERCEDES AXA Malaysia Motor Insurance Rawang
MERCEDES AXA Malaysia Motor Insurance Jalan Ipoh
MERCEDES AXA Malaysia Motor Insurance Selayang
MERCEDES AXA Malaysia Motor Insurance Gombak
MERCEDES AXA Malaysia Motor Insurance Wangsa Maju
MERCEDES AXA Malaysia Motor Insurance Setapak
MERCEDES AXA Malaysia Motor Insurance Kajang
MERCEDES AXA Malaysia Motor Insurance Sungai Long
MERCEDES AXA Malaysia Motor Insurance Mahkota Cheras
MERCEDES AXA Malaysia Motor Insurance Seri Kembangan
MERCEDES AXA Malaysia Motor Insurance Kajang
MERCEDES AXA Malaysia Motor Insurance KL

Mercedes Allianz Malaysia Motor Insurance Kuala Lumpur Malaysia
Mercedes Allianz Malaysia Motor Insurance Kuala Lumpur
Mercedes Allianz Malaysia Motor Insurance Selangor
Mercedes Allianz Malaysia Motor Insurance Cheras
Mercedes Allianz Malaysia Motor Insurance Ampang
Mercedes Allianz Malaysia Motor Insurance Kampung Pandan
Mercedes Allianz Malaysia Motor Insurance Pandan Jaya
Mercedes Allianz Malaysia Motor Insurance Pandan Perdana
Mercedes Allianz Malaysia Motor Insurance Pandan Indah
Mercedes Allianz Malaysia Motor Insurance Taman Cheras
Mercedes Allianz Malaysia Motor Insurance Taman Pertama Cheras
Mercedes Allianz Malaysia Motor Insurance Taman Segar Cheras
Mercedes Allianz Malaysia Motor Insurance Taman Midah
Mercedes Allianz Malaysia Motor Insurance Bandar Tun Razak
Mercedes Allianz Malaysia Motor Insurance Taman Billion
Mercedes Allianz Malaysia Motor Insurance Taman Mewah
Mercedes Allianz Malaysia Motor Insurance Balakong
Mercedes Allianz Malaysia Motor Insurance Bangsar
Mercedes Allianz Malaysia Motor Insurance Pantai Dalam
Mercedes Allianz Malaysia Motor Insurance Jalan Kelang Lama
Mercedes Allianz Malaysia Motor Insurance Kuchai Lama
Mercedes Allianz Malaysia Motor Insurance Sungai Besi
Mercedes Allianz Malaysia Motor Insurance Puchong
Mercedes Allianz Malaysia Motor Insurance Shah Alam
Mercedes Allianz Malaysia Motor Insurance PJ
Mercedes Allianz Malaysia Motor Insurance Petaling Jaya
Mercedes Allianz Malaysia Motor Insurance Seri Petaling
Mercedes Allianz Malaysia Motor Insurance Desa Petaling
Mercedes Allianz Malaysia Motor Insurance Subang
Mercedes Allianz Malaysia Motor Insurance USJ
Mercedes Allianz Malaysia Motor Insurance Damansara
Mercedes Allianz Malaysia Motor Insurance Kota Damansara
Mercedes Allianz Malaysia Motor Insurance Kepong
Mercedes Allianz Malaysia Motor Insurance Sungai Buluh
Mercedes Allianz Malaysia Motor Insurance Rawang
Mercedes Allianz Malaysia Motor Insurance Jalan Ipoh
Mercedes Allianz Malaysia Motor Insurance Selayang
Mercedes Allianz Malaysia Motor Insurance Gombak
Mercedes Allianz Malaysia Motor Insurance Wangsa Maju
Mercedes Allianz Malaysia Motor Insurance Setapak
Mercedes Allianz Malaysia Motor Insurance Kajang
Mercedes Allianz Malaysia Motor Insurance Sungai Long
Mercedes Allianz Malaysia Motor Insurance Mahkota Cheras
Mercedes Allianz Malaysia Motor Insurance Seri Kembangan
Mercedes Allianz Malaysia Motor Insurance Kajang
Mercedes Allianz Malaysia Motor Insurance KL

MERCEDES MSIG Malaysia Motor Insurance Kuala Lumpur Malaysia
MERCEDES MSIG Malaysia Motor Insurance Kuala Lumpur
MERCEDES MSIG Malaysia Motor Insurance Selangor
MERCEDES MSIG Malaysia Motor Insurance Cheras
MERCEDES MSIG Malaysia Motor Insurance Ampang
MERCEDES MSIG Malaysia Motor Insurance Kampung Pandan
MERCEDES MSIG Malaysia Motor Insurance Pandan Jaya
MERCEDES MSIG Malaysia Motor Insurance Pandan Perdana
MERCEDES MSIG Malaysia Motor Insurance Pandan Indah
MERCEDES MSIG Malaysia Motor Insurance Taman Cheras
MERCEDES MSIG Malaysia Motor Insurance Taman Pertama Cheras
MERCEDES MSIG Malaysia Motor Insurance Taman Segar Cheras
MERCEDES MSIG Malaysia Motor Insurance Taman Midah
MERCEDES MSIG Malaysia Motor Insurance Bandar Tun Razak
MERCEDES MSIG Malaysia Motor Insurance Taman Billion
MERCEDES MSIG Malaysia Motor Insurance Taman Mewah
MERCEDES MSIG Malaysia Motor Insurance Balakong
MERCEDES MSIG Malaysia Motor Insurance Bangsar
MERCEDES MSIG Malaysia Motor Insurance Pantai Dalam
MERCEDES MSIG Malaysia Motor Insurance Jalan Kelang Lama
MERCEDES MSIG Malaysia Motor Insurance Kuchai Lama
MERCEDES MSIG Malaysia Motor Insurance Sungai Besi
MERCEDES MSIG Malaysia Motor Insurance Puchong
MERCEDES MSIG Malaysia Motor Insurance Shah Alam
MERCEDES MSIG Malaysia Motor Insurance PJ
MERCEDES MSIG Malaysia Motor Insurance Petaling Jaya
MERCEDES MSIG Malaysia Motor Insurance Seri Petaling
MERCEDES MSIG Malaysia Motor Insurance Desa Petaling
MERCEDES MSIG Malaysia Motor Insurance Subang
MERCEDES MSIG Malaysia Motor Insurance USJ
MERCEDES MSIG Malaysia Motor Insurance Damansara
MERCEDES MSIG Malaysia Motor Insurance Kota Damansara
MERCEDES MSIG Malaysia Motor Insurance Kepong
MERCEDES MSIG Malaysia Motor Insurance Sungai Buluh
MERCEDES MSIG Malaysia Motor Insurance Rawang
MERCEDES MSIG Malaysia Motor Insurance Jalan Ipoh
MERCEDES MSIG Malaysia Motor Insurance Selayang
MERCEDES MSIG Malaysia Motor Insurance Gombak
MERCEDES MSIG Malaysia Motor Insurance Wangsa Maju
MERCEDES MSIG Malaysia Motor Insurance Setapak
MERCEDES MSIG Malaysia Motor Insurance Kajang
MERCEDES MSIG Malaysia Motor Insurance Sungai Long
MERCEDES MSIG Malaysia Motor Insurance Mahkota Cheras
MERCEDES MSIG Malaysia Motor Insurance Seri Kembangan
MERCEDES MSIG Malaysia Motor Insurance Kajang
MERCEDES MSIG Malaysia Motor Insurance KL

Mercedes Lonpac Motor Insurance Kuala Lumpur Malaysia
Mercedes Lonpac Motor Insurance Kuala Lumpur
Mercedes Lonpac Motor Insurance Selangor
Mercedes Lonpac Motor Insurance Cheras
Mercedes Lonpac Motor Insurance Ampang
Mercedes Lonpac Motor Insurance Kampung Pandan
Mercedes Lonpac Motor Insurance Pandan Jaya
Mercedes Lonpac Motor Insurance Pandan Perdana
Mercedes Lonpac Motor Insurance Pandan Indah
Mercedes Lonpac Motor Insurance Taman Cheras
Mercedes Lonpac Motor Insurance Taman Pertama Cheras
Mercedes Lonpac Motor Insurance Taman Segar Cheras
Mercedes Lonpac Motor Insurance Taman Midah
Mercedes Lonpac Motor Insurance Bandar Tun Razak
Mercedes Lonpac Motor Insurance Taman Billion
Mercedes Lonpac Motor Insurance Taman Mewah
Mercedes Lonpac Motor Insurance Balakong
Mercedes Lonpac Motor Insurance Bangsar
Mercedes Lonpac Motor Insurance Pantai Dalam
Mercedes Lonpac Motor Insurance Jalan Kelang Lama
Mercedes Lonpac Motor Insurance Kuchai Lama
Mercedes Lonpac Motor Insurance Sungai Besi
Mercedes Lonpac Motor Insurance Puchong
Mercedes Lonpac Motor Insurance Shah Alam
Mercedes Lonpac Motor Insurance PJ
Mercedes Lonpac Motor Insurance Petaling Jaya
Mercedes Lonpac Motor Insurance Seri Petaling
Mercedes Lonpac Motor Insurance Desa Petaling
Mercedes Lonpac Motor Insurance Subang
Mercedes Lonpac Motor Insurance USJ
Mercedes Lonpac Motor Insurance Damansara
Mercedes Lonpac Motor Insurance Kota Damansara
Mercedes Lonpac Motor Insurance Kepong
Mercedes Lonpac Motor Insurance Sungai Buluh
Mercedes Lonpac Motor Insurance Rawang
Mercedes Lonpac Motor Insurance Jalan Ipoh
Mercedes Lonpac Motor Insurance Selayang
Mercedes Lonpac Motor Insurance Gombak
Mercedes Lonpac Motor Insurance Wangsa Maju
Mercedes Lonpac Motor Insurance Setapak
Mercedes Lonpac Motor Insurance Kajang
Mercedes Lonpac Motor Insurance Sungai Long
Mercedes Lonpac Motor Insurance Mahkota Cheras
Mercedes Lonpac Motor Insurance Seri Kembangan
Mercedes Lonpac Motor Insurance Kajang
Mercedes Lonpac Motor Insurance KL
Mercedes Kurnia Motor Insurance Kuala Lumpur Malaysia
Mercedes Kurnia Motor Insurance Kuala Lumpur
Mercedes Kurnia Motor Insurance Selangor
Mercedes Kurnia Motor Insurance Cheras
Mercedes Kurnia Motor Insurance Ampang
Mercedes Kurnia Motor Insurance Kampung Pandan
Mercedes Kurnia Motor Insurance Pandan Jaya
Mercedes Kurnia Motor Insurance Pandan Perdana
Mercedes Kurnia Motor Insurance Pandan Indah
Mercedes Kurnia Motor Insurance Taman Cheras
Mercedes Kurnia Motor Insurance Taman Pertama Cheras
Mercedes Kurnia Motor Insurance Taman Segar Cheras
Mercedes Kurnia Motor Insurance Taman Midah
Mercedes Kurnia Motor Insurance Bandar Tun Razak
Mercedes Kurnia Motor Insurance Taman Billion
Mercedes Kurnia Motor Insurance Taman Mewah
Mercedes Kurnia Motor Insurance Balakong
Mercedes Kurnia Motor Insurance Bangsar
Mercedes Kurnia Motor Insurance Pantai Dalam
Mercedes Kurnia Motor Insurance Jalan Kelang Lama
Mercedes Kurnia Motor Insurance Kuchai Lama
Mercedes Kurnia Motor Insurance Sungai Besi
Mercedes Kurnia Motor Insurance Puchong
Mercedes Kurnia Motor Insurance Shah Alam
Mercedes Kurnia Motor Insurance PJ
Mercedes Kurnia Motor Insurance Petaling Jaya
Mercedes Kurnia Motor Insurance Seri Petaling
Mercedes Kurnia Motor Insurance Desa Petaling
Mercedes Kurnia Motor Insurance Subang
Mercedes Kurnia Motor Insurance USJ
Mercedes Kurnia Motor Insurance Damansara
Mercedes Kurnia Motor Insurance Kota Damansara
Mercedes Kurnia Motor Insurance Kepong
Mercedes Kurnia Motor Insurance Sungai Buluh
Mercedes Kurnia Motor Insurance Rawang
Mercedes Kurnia Motor Insurance Jalan Ipoh
Mercedes Kurnia Motor Insurance Selayang
Mercedes Kurnia Motor Insurance Gombak
Mercedes Kurnia Motor Insurance Wangsa Maju
Mercedes Kurnia Motor Insurance Setapak
Mercedes Kurnia Motor Insurance Kajang
Mercedes Kurnia Motor Insurance Sungai Long
Mercedes Kurnia Motor Insurance Mahkota Cheras
Mercedes Kurnia Motor Insurance Seri Kembangan
Mercedes Kurnia Motor Insurance Kajang
Mercedes Kurnia Motor Insurance KL

Mercedes Tokio Marine Malaysia Motor Insurance Kuala Lumpur Malaysia
Mercedes Tokio Marine Malaysia Motor Insurance Kuala Lumpur
Mercedes Tokio Marine Malaysia Motor Insurance Selangor
Mercedes Tokio Marine Malaysia Motor Insurance Cheras
Mercedes Tokio Marine Malaysia Motor Insurance Ampang
Mercedes Tokio Marine Malaysia Motor Insurance Kampung Pandan
Mercedes Tokio Marine Malaysia Motor Insurance Pandan Jaya
Mercedes Tokio Marine Malaysia Motor Insurance Pandan Perdana
Mercedes Tokio Marine Malaysia Motor Insurance Pandan Indah
Mercedes Tokio Marine Malaysia Motor Insurance Taman Cheras
Mercedes Tokio Marine Malaysia Motor Insurance Taman Pertama Cheras
Mercedes Tokio Marine Malaysia Motor Insurance Taman Segar Cheras
Mercedes Tokio Marine Malaysia Motor Insurance Taman Midah
Mercedes Tokio Marine Malaysia Motor Insurance Bandar Tun Razak
Mercedes Tokio Marine Malaysia Motor Insurance Taman Billion
Mercedes Tokio Marine Malaysia Motor Insurance Taman Mewah
Mercedes Tokio Marine Malaysia Motor Insurance Balakong
Mercedes Tokio Marine Malaysia Motor Insurance Bangsar
Mercedes Tokio Marine Malaysia Motor Insurance Pantai Dalam
Mercedes Tokio Marine Malaysia Motor Insurance Jalan Kelang Lama
Mercedes Tokio Marine Malaysia Motor Insurance Kuchai Lama
Mercedes Tokio Marine Malaysia Motor Insurance Sungai Besi
Mercedes Tokio Marine Malaysia Motor Insurance Puchong
Mercedes Tokio Marine Malaysia Motor Insurance Shah Alam
Mercedes Tokio Marine Malaysia Motor Insurance PJ
Mercedes Tokio Marine Malaysia Motor Insurance Petaling Jaya
Mercedes Tokio Marine Malaysia Motor Insurance Seri Petaling
Mercedes Tokio Marine Malaysia Motor Insurance Desa Petaling
Mercedes Tokio Marine Malaysia Motor Insurance Subang
Mercedes Tokio Marine Malaysia Motor Insurance USJ
Mercedes Tokio Marine Malaysia Motor Insurance Damansara
Mercedes Tokio Marine Malaysia Motor Insurance Kota Damansara
Mercedes Tokio Marine Malaysia Motor Insurance Kepong
Mercedes Tokio Marine Malaysia Motor Insurance Sungai Buluh
Mercedes Tokio Marine Malaysia Motor Insurance Rawang
Mercedes Tokio Marine Malaysia Motor Insurance Jalan Ipoh
Mercedes Tokio Marine Malaysia Motor Insurance Selayang
Mercedes Tokio Marine Malaysia Motor Insurance Gombak
Mercedes Tokio Marine Malaysia Motor Insurance Wangsa Maju
Mercedes Tokio Marine Malaysia Motor Insurance Setapak
Mercedes Tokio Marine Malaysia Motor Insurance Kajang
Mercedes Tokio Marine Malaysia Motor Insurance Sungai Long
Mercedes Tokio Marine Malaysia Motor Insurance Mahkota Cheras
Mercedes Tokio Marine Malaysia Motor Insurance Seri Kembangan
Mercedes Tokio Marine Malaysia Motor Insurance Kajang
Mercedes Tokio Marine Malaysia Motor Insurance KL

Mercedes Pacific Motor Insurance Kuala Lumpur Malaysia
Mercedes Pacific Motor Insurance Kuala Lumpur
Mercedes Pacific Motor Insurance Selangor
Mercedes Pacific Motor Insurance Cheras
Mercedes Pacific Motor Insurance Ampang
Mercedes Pacific Motor Insurance Kampung Pandan
Mercedes Pacific Motor Insurance Pandan Jaya
Mercedes Pacific Motor Insurance Pandan Perdana
Mercedes Pacific Motor Insurance Pandan Indah
Mercedes Pacific Motor Insurance Taman Cheras
Mercedes Pacific Motor Insurance Taman Pertama Cheras
Mercedes Pacific Motor Insurance Taman Segar Cheras
Mercedes Pacific Motor Insurance Taman Midah
Mercedes Pacific Motor Insurance Bandar Tun Razak
Mercedes Pacific Motor Insurance Taman Billion
Mercedes Pacific Motor Insurance Taman Mewah
Mercedes Pacific Motor Insurance Balakong
Mercedes Pacific Motor Insurance Bangsar
Mercedes Pacific Motor Insurance Pantai Dalam
Mercedes Pacific Motor Insurance Jalan Kelang Lama
Mercedes Pacific Motor Insurance Kuchai Lama
Mercedes Pacific Motor Insurance Sungai Besi
Mercedes Pacific Motor Insurance Puchong
Mercedes Pacific Motor Insurance Shah Alam
Mercedes Pacific Motor Insurance PJ
Mercedes Pacific Motor Insurance Petaling Jaya
Mercedes Pacific Motor Insurance Seri Petaling
Mercedes Pacific Motor Insurance Desa Petaling
Mercedes Pacific Motor Insurance Subang
Mercedes Pacific Motor Insurance USJ
Mercedes Pacific Motor Insurance Damansara
Mercedes Pacific Motor Insurance Kota Damansara
Mercedes Pacific Motor Insurance Kepong
Mercedes Pacific Motor Insurance Sungai Buluh
Mercedes Pacific Motor Insurance Rawang
Mercedes Pacific Motor Insurance Jalan Ipoh
Mercedes Pacific Motor Insurance Selayang
Mercedes Pacific Motor Insurance Gombak
Mercedes Pacific Motor Insurance Wangsa Maju
Mercedes Pacific Motor Insurance Setapak
Mercedes Pacific Motor Insurance Kajang
Mercedes Pacific Motor Insurance Sungai Long
Mercedes Pacific Motor Insurance Mahkota Cheras
Mercedes Pacific Motor Insurance Seri Kembangan
Mercedes Pacific Motor Insurance Kajang
Mercedes Pacific Motor Insurance KL


























What Your Car Insurance Will Not Normally Cover

If you have read the terms and conditions for all three policies carefully, provided that you actually understood everything, you will realise that some incidents are not covered, even though they occur fairly frequently, for example - you would expect your car insurance to cover your death in the event of a serious accident...but does it really?

To be clear, that's what a motor personal accident insurance is for, something you should also sign-up for when taking up a car insurance plan.

1. Your own death or bodily injury because of a motor accident
You would expect that your own death or at least physical injury to be coverage for a modest amount of money; well, stranger things have happened. Your personal accident insurance or medical insurance might have you covered, but not a car insurance plan. Nope, not even the comprehensive cover - that means no hospitalisation allowance or coverage for funeral expenses.

2. Your liability against claims from your passengers
A passenger who gets hurt because of a car accident will usually have an easier case compared to the person behind the wheel - if the accident involves two vehicles, one of the drivers will most likely be found negligent and liable for the physical injury to the passenger.
However, you will be able to pay additional premium on your motor insurance to include Passenger Liability Extension Cover, in the event that your passengers choose to sue you.

3. Stolen non-factory fitted vehicle accessories such as car stereos, leather seats, sports rims etc.
Pimping out your brand new Honda City with custom spinning rims, genuine leather seats, and an expensive (but totally unnecessary) sound system might earn you brownie points with your friends and colleagues, but you may also be drawing a lot of unwanted attention from less agreeable people i.e. car thieves. Make sure in addition to your lavish upgrades, you install additional car security features, such as a powerful GPS tracking system!

4. Consequential loss, depreciation, wear and tear, mechanical, technical breakdown failures, or breakages
Like everything else - cars aren't built to last. As vehicle parts wear out with time (excluding parts made out of glass e.g. windshield), the value of your car depreciates along with them - and honestly, a car's value drops the moment it leaves the showroom.

You'll probably lose up to 40% of its initial value 5 years down the road - literally! If you're planning to insure a car that is pushing 15 years of age, good luck finding an insurer that'll take you on.

5. Vehicle damage due to acts of nature e.g. flood, landslide, typhoon
These unfortunate events, along with earthquakes and hurricanes are commonly referred to as natural disasters or acts of God, and are not covered in standard car insurance policies. On the other hand, you may pay higher premiums to extend your policy to cover flood, landslide, landslip including adequate cover for your passengers.

As you've read, insurance companies will allow you to add-on optional benefits to your car insurance policy to be insured for all five exclusions that we've mentioned above, including coverage for windscreen repairs and replacement - but of course, you will have to pay a higher premium. So you'd now probably want to know what goes into calculating your premiums?

Your Motor Premium Calculation
Motor insurance premium is calculated according to the Motor tariff set out by Persatuan Insurans Am Malaysia ( PIAM). All insurance companies are required to use the same pricing schedule.

This prices are determined by a few factors such as coverage type, use of vehicle, car engine size i.e. cubic capacity, age of vehicle, maximum sum insured, extended coverage and number of registered drivers.

However, this is all set to change in 2016, when the current tiered system will be replaced with a new risk based price structure, an effort by Bank Negara Malaysia to deregulate the car insurance industry.

Avoid Under-Insurance
Lastly, it is very important that you insure your vehicle appropriately according to its current value, whether its at the purchase price for a new car, or the current market value for one that is used.
This is to avoid under-insurance that will result in only partial compensations on claims, or worse still over-insurance, where you simply waste money to insure a car above its market value, when the maximum you can claim is at the market value - so why would you want to do that?


























Drive your life better with exclusive ACPG car insurance tips and deals!

ACPG MANAGEMENT SDN BHD
Your Trusted, Experience and Largest
Malaysia Risk Management Insurance Solution Services Provider since year 1989.
We (ACPG), provided all classes of insurance services more than 27 years in Malaysia (since year 1989).
We (ACPG) One of The Largest General Insurance (Individual & Commercial) Service Provider in Malaysia.

Any enquiry, email to enquiry@acpgconsultant.com or Call our Careline : +603-9286 3323.

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