Showing posts with label Mercedes AIG Car Insurance. Show all posts
Showing posts with label Mercedes AIG Car Insurance. Show all posts

Monday, 17 October 2016

Motor Insurance Malaysia arranged by ACPG Management Sdn Bhd

Why choose ACPG Malaysia Motor Insurance ?
Call +603-92863323 or +6011-12239838 for more information.

ACPG Motor Insurance Cheras
Arranged By
ACPG Management Sdn Bhd
www.acpgconsultant.com

AIG is said to be the world’s largest insurance organization, with over 88 million customers, worldwide. They are said to be leaders in property casualty insurance, life insurance and retirement services, mortgage insurance, and aircraft leasing. AIG has existed in Malaysia since 1953 based out of Kuala Lumpur. However the financial institution became a locally incorporated insurance company in Malaysia only on 1 June 2008. AIG Malaysia has 14 offices and over 3000 professional agents, brokers and staff. The AIG car insurance is one of its most prefered products under general insurance. It is extremely useful for saving and ensuring good coverage for your vehicle.

Why Choose AIG Car Insurance?
Here are some of the most significant reasons why you should choose AIG motor insurance for your vehicles:

Zero Excess Payment: In the case of accident repairs at panel workshop is necessary for the vehicle, the cost can be claimed with no extra payment under the circumstance.
Award Winning Claims Service: It is said to have the fastest claim turnaround time, but it is available only with add-on coverage on the basic policy.
Emergency Road Assistance: is available with added coverage purchasable over the basic policy for quick assistance on the road. The insured can also call for towing, change of tyre or battery and more at 1300 88 3933
Renew Policy Online, Instantly: With the instant JPJ status update for road tax renewal renewing policies is no more a headache.
Additional Benefits
24x7 Free Emergency road assistance in Malaysia, with add-on coverage. Call: 1300-88-3933
For accident repairs no additional payment required at any of AIG 300+ panel workshops in Malaysia.
For Agreed Value Policyholders full payout is given of sum insured based on the total damage of the car.
Insured can add extra coverage for special perils such as tsunamis, floods storms and landslides, riots and strikes and coverage against windscreen crack or break-in.
Factors Affecting AIG car insurance premium calculation
Here are some of the factors that are considered by insurance providing companies to calculate the premium for your car insurance policy.

Type of coverage
Use of vehicle
NCD allowed
Sum Assured
Carrying capacity of the vehicle
Age of the car
No. of authorized drivers registered
Extended coverage feature
AIG Car Insurance Claims
There are 3 main types of claims that can be made against the car insurance from AIG:

Own Damage Claim Due to:

Accident: You need to immediately notify AIG after an accident, immediately. The insured has to then send the vehicle to approved panel workshops. Also certain documents need to be submitted with a duly completed car insurance claim form along with the following documents:

Copy of driver’s license and ID card involved in the incident
Copy of insured’s license and ID card
Copy of insured’s update vehicle registration card
Certified copy of police report
Windscreen Claim: For windscreen coverage the process remains the same except you would need the following documents:

Duly filled insurance claim form
Photos with the car before the repair with vehicle registration number visible in it
Photos with the car after the repair with vehicle registration number visible in it
Original Repair Receipt
Copy of insured’s update vehicle registration card
Theft of Vehicle Claim: The claim settlement for such situations generally take 3 months time. Here the documents required:

Original Certificate of Insurance and Insurance Policy
Duly completed car insurance claim form
Copy of driving license and identity card of Insured
Release letter (“E-Hakmilik”) or latest outstanding loan statement from the financial institution/bank which finances the purchase of your insured vehicle
Memorandum & Articles of Association, Form 9, Form 13 (if applicable), Form 24, Form 44 and Form 49 duly certified as true copies by the company secretary (for company vehicle only)
All of the vehicle's keys
Copy of Approved Permit & Custom Declaration Form (only for imported vehicle)
Police investigation result
Original vehicle registration card duly signed by owner;
Third Party Property Damage Claim:The insured has to immediately notify the other driver and/or owner who were involved in the incident with your insured vehicle in writing about your intention to make insurance claim against him. Also you need hold him responsible, and ask him to notify his insurer. Appoint a licensed adjuster for inspection of the insured vehicle and give the loss assessment/report. In the circumstance that the insured does not have the other driver's contact information, a search can be conducted at Jabatan Pengangkutan Jalan / Road Transport Department based on the vehicle’s registration number to identify the insurer of the Third Party vehicle. The following documents need to be submitted as well:

Police report;
Adjuster's report together with photographs of damaged insured vehicle;
Police sketch plan and key;
Copy of your own vehicle insurance policy;
Copy of your identity card, driving license and vehicle registration card.
Police investigation report;
Original bill and receipt issued by the adjuster for their services;
Third Party Bodily Injury Claim: If the insured is involved in an accident resulting to physical injury or death to any individuals including passengers in the insured vehicle when the accident occurred, the incident must be reported within 24 hours to the police and the insurance company. Don’t negotiate or admit to any liabilities until the insurance agents visit. In case any letter is sent to the insured from the third party the AIG needs to be informed immediately.

AIG Car Insurance FAQs
How to renew AIG motor insurance?

You can renew your auto insurance in any of the following method:

Renew the policy online
You can also locate & contact an agent to perform renewal
Go to a AIG Malaysia customer service counter to perform renewal
What are the fees and charges that I have to pay in sum

You would need to pay stamp duty of RM10.00 and the premiums which are inclusive of Goods & Services Tax (GST) of 6%.

What do I need to do to change my contact details at AIG?

You can contact AIG at their 24/7 online portal and update your policy contact information here.

Motor Insurance Malaysia Online Renew Services
Service Provide By
ACPG Management Sdn Bhd (Insurance Biz since Year 1989)
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
http://www.acpgconsultant.com
+603-92863323, +6011-12239838


AIG Motor Insurance Cheras, Kuala Lumpur, Malaysia.
AIG Commercial Car Insurance Renewal,
AIG Private Car Insurance Renewal,
AIG Commercial Use Motor Insurance Renewal,
AIG Private Use Motor Insurance Renewal,
Arranged by
ACPG Management Sdn Bhd
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323
enquiry@acpgconsultant.com
www.acpgconsultant.com
www.facebook.com/acpg.management
https://www.aig.my/personal/auto-insurance
AIG Motor Insurance
AIG Car Insurance Policy
Exclusive Arranged by
ACPG Management Sdn Bhd
www.acpgconsultant.com
+603-92863323
enquiry@acpgconsultant.com
Motor Insurance / Car Insurance
(Private Use & Commercial Use)
Guaranteed Original Part Replacement*
(Up to Age 15 Years Car*)
Motor Insurance & Car Insurance Benefits
- Accident
- Falling Objects
- Fire, Explosion or Lightning
- Burglary, Break-In or Theft
- Malicious Act
- Third Party Accident
- Third Party Injury or Death
- Third Party Loss or Damage Property
Value Added Emergency Assistance
- 24 Hours Towing Assistance
- 24 Hours Roadside Assistance
Optional Benefits
Windscreen
Covers the breakage of glass in windscreens, front, rear and side windows. The damaged windscreen will be replaced and your NCD
(No-Claim-Discount) will not be affected.
Flood, Storm, Landslide, Landslip or Subsidence Cover and Damage by falling Tree.
Covers the vehicle against damage caused by the above perils.
Strike, Riot & Civil Commotion (RSMD)
Covers the vehicle against damaged caused by strike, riot and civil commotion.
Additional Driver Name (3rd name & above)
This extra coverage waives the RM 400.00 Excess.
or All Driver Coverage for Private Use vehicle registered under company/organisation)
Legal Liability of Passengers - Private use Vehicle
- Cover the legal liability of passengers for acts of negligence.
Legal Liability to Passengers - Private Use Vehicle
- Cover protects the Insured against legal liability to the passenger in event of a claim.
Driver's Personal Accident Insurance
Daily Cash Allowance
You will be covered for first 10 days while your car in the workshop.
Spray Painting of Whole Car
You will have a choice to spray paint the whole car even thought the own damage repair only allow for the spray painting of the damaged part
of the car.
Waiver of Betterment Cost (Own Damage Accident Claim)
Your contribution towards the cost of new parts replacement will be borne by insurer.
Malaysia Insurance Services, Malaysia General Insurance, Malaysia Commercial Insurance, Malaysia Medical Insurance
Arranged by
ACPG Management Sdn Bhd
Malaysia Largest General Insurance Risk Management Solution Provider since year 1989.
ACPG Careline +603-92863323
enquiry@acpgconsultant.com
www.acpgconsultant.com
www.facebook.com/acpg.management
www.walkinonline.com/store/ACPG.php
AIG Car Insurance Cheras Kuala Lumpur Directory
AIG Audi Motor Insurance Cheras Kuala Lumpur
AIG Bentley Motor Insurance Cheras Kuala Lumpur
AIG BMW Motor Insurance Cheras Kuala Lumpur
AIG Citroen Motor Insurance Cheras Kuala Lumpur
AIG Ferrari Motor Insurance Cheras Kuala Lumpur
AIG Ford Motor Insurance Cheras Kuala Lumpur
AIG Honda Motor Insurance Cheras Kuala Lumpur
AIG Jaguar Motor Insurance Cheras Kuala Lumpur
AIG Kia Motor Insurance Cheras Kuala Lumpur
AIG Hyundai Motor Insurance Cheras Kuala Lumpur
AIG Lexus Motor Insurance Cheras Kuala Lumpur
AIG Mazda Motor Insurance Cheras Kuala Lumpur
AIG Mercedes Motor Insurance Cheras Kuala Lumpur
AIG Mini Cooper Motor Insurance Cheras Kuala Lumpur
AIG Mitsubishi Motor Insurance Cheras Kuala Lumpur
AIG Myvi Motor Insurance Cheras Kuala Lumpur
AIG Nissan Motor Insurance Cheras Kuala Lumpur
AIG Peugeot Motor Insurance Cheras Kuala Lumpur
AIG Porsche Motor Insurance Cheras Kuala Lumpur
AIG Proton Motor Insurance Cheras Kuala Lumpur
AIG Perodua Motor Insurance Cheras Kuala Lumpur
AIG Toyota Motor Insurance Cheras Kuala Lumpur
AIG Volkswagen Motor Insurance Cheras Kuala Lumpur
AIG Volvo Motor Insurance Cheras Kuala Lumpur
AIG Permit A Commercial Motor Insurance Cheras Kuala Lumpur
AIG Permit C Commercial Motor Insurance Cheras Kuala Lumpur
AIG Special Type Commercial Motor Insurance Cheras Kuala Lumpur
Audi AIG Motor Insurance Cheras Kuala Lumpur
Bentley AIG Motor Insurance Cheras Kuala Lumpur
BMW AIG Motor Insurance Cheras Kuala Lumpur
Citroen AIG Motor Insurance Cheras Kuala Lumpur
Ferrari AIG Motor Insurance Cheras Kuala Lumpur
Ford AIG Motor Insurance Cheras Kuala Lumpur
Honda AIG Motor Insurance Cheras Kuala Lumpur
Jaguar AIG Motor Insurance Cheras Kuala Lumpur
Kia AIG Motor Insurance Cheras Kuala Lumpur
Hyundai AIG Motor Insurance Cheras Kuala Lumpur
Lexus AIG Motor Insurance Cheras Kuala Lumpur
Mazda AIG Motor Insurance Cheras Kuala Lumpur
Mercedes AIG Motor Insurance Cheras Kuala Lumpur
Mini Cooper AIG Motor Insurance Cheras Kuala Lumpur
Mitsubishi AIG Motor Insurance Cheras Kuala Lumpur
Myvi AIG Motor Insurance Cheras Kuala Lumpur
Nissan AIG Motor Insurance Cheras Kuala Lumpur
Peugeot AIG Motor Insurance Cheras Kuala Lumpur
Porsche AIG Motor Insurance Cheras Kuala Lumpur
Proton AIG Motor Insurance Cheras Kuala Lumpur
Perodua AIG Motor Insurance Cheras Kuala Lumpur
Toyota AIG Motor Insurance Cheras Kuala Lumpur
Volkswagen AIG Motor Insurance Cheras Kuala Lumpur
Volvo AIG Motor Insurance Cheras Kuala Lumpur
Permit A Commercial AIG Motor Insurance Cheras Kuala Lumpur
Permit C Commercial AIG Motor Insurance Cheras Kuala Lumpur
Special Type Commercial AIG Motor Insurance Cheras Kuala Lumpur

AIG Motor Insurance Cheras office located at https://goo.gl/maps/yjSoKRTXpYm


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
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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
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MERCEDES AIG Malaysia Motor Insurance Mahkota Cheras
MERCEDES AIG Malaysia Motor Insurance Seri Kembangan
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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
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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
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Mercedes Allianz Malaysia Motor Insurance Taman Pertama Cheras
Mercedes Allianz Malaysia Motor Insurance Taman Segar Cheras
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Mercedes Allianz Malaysia Motor Insurance Taman Billion
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Mercedes Allianz Malaysia Motor Insurance Jalan Kelang Lama
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Mercedes Allianz Malaysia Motor Insurance Puchong
Mercedes Allianz Malaysia Motor Insurance Shah Alam
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Mercedes Allianz Malaysia Motor Insurance Petaling Jaya
Mercedes Allianz Malaysia Motor Insurance Seri Petaling
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Mercedes Allianz Malaysia Motor Insurance Subang
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Mercedes Allianz Malaysia Motor Insurance Damansara
Mercedes Allianz Malaysia Motor Insurance Kota Damansara
Mercedes Allianz Malaysia Motor Insurance Kepong
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Mercedes Allianz Malaysia Motor Insurance Jalan Ipoh
Mercedes Allianz Malaysia Motor Insurance Selayang
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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
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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
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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
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Mercedes Tokio Marine Malaysia Motor Insurance Kepong
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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
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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!

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We (ACPG), provided all classes of insurance services more than 27 years in Malaysia (since year 1989).
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