Tuesday, 30 August 2016

Perodua Motor Insurance Kuala Lumpur Directory











Perodua Motor 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

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














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












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

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















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















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

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


























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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