Malaysia Business Insurance

ACPG Management Sdn Bhd, An Corporate Insurance Agency since year 1989 in Malaysia, ACPG arrange and provide services such like Motor Insurance, Medical Insurance, Malaysia JMB Insurance, Strata Title Insurance, Car Insurance, Construction Insurance, Renovation Insurance, Public Liability Insurance, Car Insurance, Marine Cargo Insurance, Event Liability Insurance, Product Liability Insurance, Group Hospital and Surgical Insurance, Travel Insurance, Foreign worker insurance,

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

Monday, 17 October 2016

Lonpac Motor Insurance Malaysia arranged by ACPG Management Sdn Bhd

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

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

Lonpac motor insurance is one of the key insurance products offered by Lonpac insurance company in Malaysia. With the extensive usage of cars and vehicles, insurance for the same has become an important financial instrument. Since cars and other vehicles are items of high financial value, safeguarding them against possible loss or damage is a primary concern of vehicle owners.

Lonpac car insurance schemes offer customers the much-needed insurance advantage as well as additional benefits which can be availed by customers in order to customize their insurance product and enhance the protection offered.

Lonpac Car Insurance Features and Benefits
Some of the most striking features and benefits of Lonpac car insurance are listed below.

Protection against loss or damage to your own vehicle, resulting from accident, natural calamities or theft
Protection against third party damage or death due to your vehicle
Protection against legal proceedings initiated against you by a third party
24X7 road assistance for insured customers in case of vehicle breakdown or accident
Refund of policy premium in case of early cancellation of motor insurance scheme
Additional benefits applicable on Lonpac motor insurance
Listed below are some of the benefits that can be enjoyed by availing higher coverage at a slightly higher cost.

Additional coverage available for passenger liability, windscreen damage, Natural calamities like floods, storms etc., events of civil unrest namely riots, strikes and public commotion. All these benefits can be covered by paying a small additional premium. Customers can choose from these additional benefits depending upon their insurance preference
Special cover for protection against damage or loss due to natural calamities like flood, storms and rain
Comprehensive cover for car insurance includes coverage against any damage to vehicle in the event of riots, public demonstrations, strike and civil commotion
Legal liability of passengers covers bodily injury caused to passengers
Legal liability by passengers is covered in case legal action is initiated against you by your passengers
Stolen or broken car accessories are covered if customers avails additional cover
Types of vehicles eligible for cover under Lonpac Car Insurance
Following are the three types of vehicles covered under the Lonpac Car Insurance Schemes.

Private vehicles – Includes cars, vans and other four wheel drives
Goods/commercial vehicles – Includes commercial goods carrying vehicles, petroleum and diesel tankers and low loaders
Other types of vehicles – Taxis, buses, tractors, motorcycles, mobile cranes etc.

Lonpac Car Insurance Schemes
Following are the different car insurance schemes offered by Lonpac car insurance.

Private Vehicle Insurance scheme
Additional top-ups can be availed by customers to modify and enhance the Private Vehicle insurance scheme

Factors that affect Lonpac car insurance premium calculation

Listed below are some of the most influential factors that are taken into account by Lonpac car insurance in order to calculate insurance premium for your vehicle.

Type of insurance cover
Use of vehicle, commercial or private
Carrying capacity of the vehicle
Age of the car
Sum Assured
No. of authorized drivers registered
Additional coverage availed or not
Amount of NCD you are entitled to

Lonpac Car Insurance FAQs
Who is eligible to enrol as a registered driver?
Drivers below 70 years of age are eligible to enrol under the Lonpac car insurance policy.

Does the age of my car affect the amount of insurance premium?
Yes. The car insurance premium you are required to pay depends upon the age of your vehicle.

How do I avail the additional benefits on Lonpac car insurance policy?
You can pay an additional insurance premium and avail additional insurance benefits and enhanced protection under the Lonpac car insurance policies.

When should I renew my Lonpac car insurance policy?
Lonpac car insurance policy needs annual renewal for continued insurance protection.

Is legal liability towards passengers offered by Lonpac car insurance?
Yes. Legal liability towards third party is included under Lonpac car insurance, however, it is an additional benefit which can be availed by payment of certain extra premium amount.

Can I avail Lonpac car insurance for goods or commercial vehicles?
Yes. Lonpac car insurance can be availed even for commercial vehicles that are used for business needs.

LONPAC Audi Motor Insurance Cheras Kuala Lumpur
LONPAC Bentley Motor Insurance Cheras Kuala Lumpur
LONPAC BMW Motor Insurance Cheras Kuala Lumpur
LONPAC Citroen Motor Insurance Cheras Kuala Lumpur
LONPAC Ferrari Motor Insurance Cheras Kuala Lumpur
LONPAC Ford Motor Insurance Cheras Kuala Lumpur
LONPAC Honda Motor Insurance Cheras Kuala Lumpur
LONPAC Jaguar Motor Insurance Cheras Kuala Lumpur
LONPAC Kia Motor Insurance Cheras Kuala Lumpur
LONPAC Hyundai Motor Insurance Cheras Kuala Lumpur
LONPAC Lexus Motor Insurance Cheras Kuala Lumpur
LONPAC Mazda Motor Insurance Cheras Kuala Lumpur
LONPAC Mercedes Motor Insurance Cheras Kuala Lumpur
LONPAC Mini Cooper Motor Insurance Cheras Kuala Lumpur
LONPAC Mitsubishi Motor Insurance Cheras Kuala Lumpur
LONPAC Myvi Motor Insurance Cheras Kuala Lumpur
LONPAC Nissan Motor Insurance Cheras Kuala Lumpur
LONPAC Peugeot Motor Insurance Cheras Kuala Lumpur
LONPAC Porsche Motor Insurance Cheras Kuala Lumpur
LONPAC Proton Motor Insurance Cheras Kuala Lumpur
LONPAC Perodua Motor Insurance Cheras Kuala Lumpur
LONPAC Toyota Motor Insurance Cheras Kuala Lumpur
LONPAC Volkswagen Motor Insurance Cheras Kuala Lumpur
LONPAC Volvo Motor Insurance Cheras Kuala Lumpur
LONPAC Permit A Commercial Motor Insurance Cheras Kuala Lumpur
LONPAC Permit C Commercial Motor Insurance Cheras Kuala Lumpur
LONPAC Special Type Commercial Motor Insurance Cheras Kuala Lumpur
Audi LONPAC Motor Insurance Cheras Kuala Lumpur
Bentley LONPAC Motor Insurance Cheras Kuala Lumpur
BMW LONPAC Motor Insurance Cheras Kuala Lumpur
Citroen LONPAC Motor Insurance Cheras Kuala Lumpur
Ferrari LONPAC Motor Insurance Cheras Kuala Lumpur
Ford LONPAC Motor Insurance Cheras Kuala Lumpur
Honda LONPAC Motor Insurance Cheras Kuala Lumpur
Jaguar LONPAC Motor Insurance Cheras Kuala Lumpur
Kia LONPAC Motor Insurance Cheras Kuala Lumpur
Hyundai LONPAC Motor Insurance Cheras Kuala Lumpur
Lexus LONPAC Motor Insurance Cheras Kuala Lumpur
Mazda LONPAC Motor Insurance Cheras Kuala Lumpur
Mercedes LONPAC Motor Insurance Cheras Kuala Lumpur
Mini Cooper LONPAC Motor Insurance Cheras Kuala Lumpur
Mitsubishi LONPAC Motor Insurance Cheras Kuala Lumpur
Myvi LONPAC Motor Insurance Cheras Kuala Lumpur
Nissan LONPAC Motor Insurance Cheras Kuala Lumpur
Peugeot LONPAC Motor Insurance Cheras Kuala Lumpur
Porsche LONPAC Motor Insurance Cheras Kuala Lumpur
Proton LONPAC Motor Insurance Cheras Kuala Lumpur
Perodua LONPAC Motor Insurance Cheras Kuala Lumpur
Toyota LONPAC Motor Insurance Cheras Kuala Lumpur
Volkswagen LONPAC Motor Insurance Cheras Kuala Lumpur
Volvo LONPAC Motor Insurance Cheras Kuala Lumpur
Permit A Commercial LONPAC Motor Insurance Cheras Kuala Lumpur
Permit C Commercial LONPAC Motor Insurance Cheras Kuala Lumpur
Special Type Commercial LONPAC Motor Insurance Cheras Kuala Lumpur

Lonpac 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

Lonpac Motor Insurance Cheras office located at
https://goo.gl/maps/F7PbVnsrQu72

Monday, 29 August 2016

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.

http://www.acpgconsultant.com

+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.

Malaysia Insurance Information

Liabilities Insurance
Directors & Officers Management Liability
Protection from financial losses as a consequence of acts, errors or omissions, including securities and employment practices claims, suffered in the course of their business activities.What Is Directors’ and Officers’ Liability Insurance?

Director's and Officers' Liability insurance quite simply is designed to protect Directors and Officers against personal liability that they may incur in respect of amounts which they are liable for, in respect of claims made against them arising out of the performance of their duties.

Example of the types of personal liabilities are:

a) Civil Damages or Settlements
b) Financial Losses suffered by third parties
c) Defense Costs

Scope of Cover:

Pay on behalf the Director's and Officers' (D & O) of the company against loss arising from any claim(s) made
against them jointly or severally by reason of any wrongful act
committed or alleged to have been committed by them in their capacity as D & O of the company.

The policy comes in two parts:
1) Director & Officer section - Indemnify the Director&
Officer personally in respects of claims made against them resulting in
a) Civil damages and settlement.
b) Cost & expenses.

2) Company Reimbursement Section - On any claim made against the Directors’ & Officers

Policy Form:

Director's and Officers' Liability insurance (D&O)
policy covers "Directors and Officers (insured persons)” for "claims” made against them alleging a "wrongful act” first made and notified during the policy period. i.e. This is a claims made policy.

If a Retroactive date is stated, the policy would cover claims made as a result of " Wrongful Act” committed after the retroactive date.

Extensions:

• Past, Present & Future D & O of Holding Company
• D & O of subsidiary company
• Outside Directorship
• The lawful spouse , estates, heirs or legal representatives
• Employment Practices Liability Extension (Non-Entity)
• Additional Notification of 45 day
• Advance payment of defense cost

The information provided above is intended as a summary only. For full details of Director's and Officers' Liability insurance (D&O) cover, conditions and exclusions please refer to Malaysia insurer Directors and Officers Insurance (D&O) policy wording.

SME Directors and Officers Liability Insurance

SME Directors and & Officers Liability insurance is designed to help protect a wide range of small to medium size companies.

Directors and Officers of Small Medium Enterprises (SMEs) may not be aware of the potential threat they are exposed to. Directors and Officers Liability Insurance is just as relevant to the SMEs, as to the large national or multi-national organizations.

This policy is designed to protect the personal assets of the
Directors and Officers by providing indemnity for loss arising from a claim as a result of a ‘wrongful act’ like breach of duty, neglect,
error or misstatement committed by them in the course of performing their duties in their capacity as Directors and Officers of their company.

Who is eligible for SME Directors and Officers Insurance?

SME Directors and Officers Insurance is available for the profitable companies who have been in business for more than two years with annual turnover of up to RM100million.
Both privately owned companies (Sendirian Berhad) and companies listed on Bursa Malaysia Berhad are eligible to apply for this insurance.

Eligible Industries are :-

1. Advertisement, promotions, event organizers, TV/Film producers
2. Agricultural production and fishing
3. apparels, finished products, furniture
4. Building contractors
5. chemical manufacturers/distributor
6. Construction (heavy and building construction)
7. Departmental Store, emporiums, supermarkets, mini markets & shopping complexes
8. Educational Institutions (school, universities, colleges)
9. Electronic components manufacturing
10. Entertainment centers including cinemas
11. Freight and shipping
12. Golf and country club, amusement park operator
13. Gyms and yoga centers
14. Hospital, medical centers and dialysis centers
15. Hotels
16. Industrial plants
17. Interior designers
18. Manufacturing
19. Non-profit organization
20. Plantations
21. Power Plants

22. Property development

23. Radio, tv station/broadcasting, studio and wireless page

24. Restaurants, bars and pubs

25. Retailers, boutiques, showrooms

26. Stone, clay, glass, metal and concrete products

27. Tour operator

28. Tuition centers, music and dance school, education training centers, driving schools

29. Utilities companies

30. Wholesale trade (durable and non-durable goods
No proposal form is required. What we need is just the following information:

Name of the Insured
Industry
Annual Revenue
Privately owned or listed on Bursa Malaysia

SME Directors and Officers Liability Insurance Coverage:

1. Worldwide coverage
2. Full Retroactive cover

3. Legal Representation Costs (worldwide) not tied to "wrongful act”

4. Automatic New Subsidiary cover

5. Broad definition of Insured (include Employee, Trustee of trust fund or pension scheme), Heirs, Legal Representatives, Estates, Lawful Spouse

6. Defence Cost for liability under Clause 46 of the Employee Provident Fund Act 1991 up to full policy limit

7. Defence Cost in respect of Involuntary Manslaughter up to policy limit

8. Defence Cost for Pollution Claims

9. Defence Costs for Pollution Derivative Action Claim up to
full policy limit

10. Defence Costs of Professional Services Derivative Action Claims up to full policy limit

11. Full Severability

12. Non Rescindable

Policy Form:

D & O policy covers "Directors and Officers (insured persons)” for "claims” made against them alleging a "wrongful act” first made and notified during the policy period. i.e. This is a claims made policy.

The information provided above is intended as a summary only.

For full details of cover, extensions, conditions and exclusions please refer to Malaysia insurer SME Directors and Officers Insurance policy wording.

Professional Liability Insurance Malaysia

Professional Liability Insurance
Provide financial protection against costs of defending legal actions and any damages that may become payable. Suitable for professions such as accountants, management consultants, IT consultants, software developers, IT outsourcing specialists, telecommunications companies, publishers, printers, public relations companies, etc.

Being in a top position in a company comes with its own risks. You are usually the decision maker for all the company’s plans and future choices. It’s a risky job but somebody needs to do it and that’s why your position and experience is essential to the company’s growth.

Historically professional indemnity (PI) insurance was focused on the traditional professions such as solicitors, accountants, architects and engineers and were limited to a few specialist insurers.

Today, professional indemnity (PI)
insurance has moved from its traditional home and has taken off as specialist class of insurance. The most profound development has been the extension of professional indemnity (PI) insurance beyond the traditional professions to other advisors and consultants. In addition, traditional professionals have been expanding into other and related sectors : solicitors have been acting as barristers and financial advisers, accountants and auditors have been moving into the highly profitable areas of management and computer consultancy.

Scope of Cover:

Professional Indemnity Insurance (PI) protects the professional against legal liability to pay damages to persons who have sustained financial loss arising from their own professional negligence or that of their employees in the conduct of the business.

Professional Indemnity
(PI) insurance policy offers indemnity strictly on legal liability
basis. In addition to indemnifying the professional insured against his professional liability, a Professional Indemnity (PI) Insurance Policy indemnifies him for defense cost and expenses incurred in respect of claim to which the policy applies

Policy Form:

Professional Indemnity (PI) insurance cover is granted on a ‘claims made’ basis.

The policy would therefore indemnify the insured against all
claims first made during the period of insurance. If a Retroactive date is stated, the policy would cover claims made as a result of negligent act, error or omission committed after the retroactive date.

Extensions:

• Partners’ previous business
• Dishonesty of Employees
• Libel and Slander
• Loss of documents
• Retroactive Cover
• Joint Venture Cover
• Newly Created or acquired entity or subsidiary
• Run Off cover insured entity or subsidiary
• Estates and Legal Representatives
• Outgoing Principals
• Consultants, Subcontractors and Agents
• Intellectual Property

The information provided above is intended as a summary only.

For full details of Professional Indemnity (PI) insurance cover, conditions and exclusions please refer to Malaysia insurer Professional Liability Insurance policy wording for the respective Profession.

Public Liability Insurance Policy
in Malaysia:
What You Need to Know

Public Liability Insurance protects
an individual and their business in case they are found legally
accountable to a third party. In general, it is a medium that guarantees set elements to injured parties under law.

Normally, such policies pay for any legal expenses, penalties
resulting from claims and even medical expenses if needed.

It only covers third party claims and not claims made by employees, as these come under employees liability insurance.

Should Your Business Have Public Liability Insurance?

Public liability insurance is an umbrella under which a large
variety of risks and situations are covered, and any business that deals with the general public takes it out to protect themselves against lawsuits.

In today’s litigious society, people are quick to file lawsuits when suffering any loss, damage to their property, or injury due to the negligence of a business. With a greater number of cases going to court, liability insurance has become broader in what it encompasses. The need for businesses to hold public liability insurance has increased over the last few years.

The insurance is essentially voluntary, with the exception of
some public events and facilities where the licensing authority makes it mandatory.

Additionally, organizations that operate voluntarily with the support of the local council are also required to carry public liability insurance.

Most businesses and organizations are becoming increasingly
aware of the potential to be sued and so consider public liability insurance an essential requirement. While it is now included in most business insurance packages like home, shop, restaurant and other insurance packages, it is also sold separately.

Who Needs Public Liability Insurance?

Professionals and business owners are generally the ones at the most risk of being sued, as they deal with a large client base on a regular basis. However, some professionals get greater benefit from taking out a public liability insurance policy than others. Any business, large or small, that interacts with customers at their place of business is at risk of being sued and so should make use of this protection. Also, note that the greater the number of people visiting the venue, the higher the risk.

Considering that just a single claim has the potential to
bankrupt a business or a professional, it is best to be protected.

Amount of Coverage & Other Facts

It is common for business owners to take public liability
insurance for the amount of RM 1 million, but RM 5 million packages are becoming increasingly popular. With more people willing to take businesses to court for the smallest mistakes, public liability insurance is no longer considered optional. In fact, some sites do not even allow tradesmen or sub-contractors on location unless they carry a Public Liability Insurance Certificate of Currency.

Within Malaysia, public liability insurance is fully portable,
meaning it covers an individual from site to site, as long as one
continues to work in the same trade. In case of a change of trade, it becomes necessary to inform the insurer or the policy may become void.

Additionally, every tradesman should have their own policy as
the head contractor’s policy many not be sufficient. At times, the head contractor’s insurer will make the pay-out on a claim, but then sue the sub-contractor to recover its money. Needless to say, different
occupations and situations have different risks, and the insurer must take those into consideration when writing a policy or note them accordingly to ensure that full coverage is provided to the policy holder.

Cost and Coverage of Public Liability Insurance

Public Liability insurance premiums are determined based on a number of different factors, including

The nature of the business or contract velue or sum insured cover amount.

The number of employees and contractors a business has.
At times, they even depend on the business turnover.
The larger the physical premises of a business and the more
employees there are, the higher the premiums are likely to be. The insurance rates depending on the insuring company.

Summary
Public liability focuses on civil wrong. The wronged person sues the owner on the basis of incidents of neglect. If the occupier or owner of an establishment is found to be responsible for the harm, damage or injury, the claimant wins and is awarded compensation.

Public liability insurance is without a doubt the most
justifiable cost for a business, as in its daily course of public
interactions it is under a continuous threat of being sued. A single law suit has the potential to financially ruin a business; public liability insurance offers protection.

Employers' Liability Insurance
Employer's Liability Insurance Policy is designed to provide indemnity to the Insured against his liability at law and claimants' cost for bodily injuries or diseases to Insured's Employees arising out of and in the course of their employment.

Scope of Cover

The Employer's Liability Insurance Policy indemnifies the Insured against liability at law to pay compensation and claimant's costs and expenses in respect of the bodily injury by accident or disease to the Insured's Employees for which he is liable and will in addition to pay all costs and expenses with the Company's written consent.

What Is Public Liability Insurance?
Public liability is a special form of insurance which is designed to protect business owners from the financial fallout that comes when things go wrong.

As a business owner there are dozens of different risks that you face every day. One of the biggest risks is that your business causes property damage or personal injury to a customer or member of the public.

What does public liability cover?
Your public liability insurance policy will cover you for the financial costs of a claim which involves personal injury or property damage to another person.

It is important to remember that public liability does not cover
personal injury to yourself or your staff, or damage to you or your staff’s property.

The best way to understand what is public liability insurance is to look at some examples of common claims.

Claims – Property Damage
There are many ways in which your business activities can result in damage to someone else’s property.
Damage which is generally covered by a public liability insurance policy includes damage which you cause directly, such as knocking over a valuable vase whilst working in someone’s house.

There can also be damage which occurs at a later date.

For example
you may have installed an electrical switch in a home, then two weeks later the house could be damaged due to you installing the wiring incorrectly.

Claims – Personal Injury
Personal injury claims are often the most financially damaging when it comes to public liability.

Common public liability claims for business owners can include a customer or visitor tripping and falling whilst on your business
premises, where it can be shown that the fall was due to the actions (or inaction) of your business.

How much does public liability cover?
Public liability policies are available in a range of sizes. Here in Malaysia you can generally obtain a policy in the following sizes:

RM 1,000,000
RM 2,000,000
RM 5,000,000
RM 10,000,000
RM 20,000,000

Some insurers also issue policies of RM 15 million, however those listed above are the most common.
In special circumstances it is possible to obtain a public liability insurance policy for a larger amount, however this is generally not required for most businesses unless they are doing something out of the ordinary.

More information on public liability insurance
If you require more information on this form of insurance or would
like to obtain a public liability quote please speak with ACPG insurance
professional consultant or any other suitably qualified insurance
professional

Public Liability Quotes By ACPG Managment Sdn Bhd (ACPG)
Once you have made the decision to take out a public liability insurance policy for your business or organization, the next step is to obtain quotes.

Obtaining quotes is an important part of the public liability process, as you need to budget for the cost of the insurance, as well as compare various quotes to ensure you are getting the best value for money.

Do it properly
There is no point in looking for public liability quotes if you don’t know exactly what cover you need for your business.

You could of course just take out the cheapest public liability
insurance policy you can find, but if the policy is not suitable for your business then you are just wasting your money anyway.

So before you start looking for quotes, you first need to do you research and find out which type of public liability policy is going to suit your needs best.

If you are unsure of which type of policy you should choose, it is recommended that you speak with an insurance broker. In most cases the broker can also obtain the quotes for you if wish.

Obtaining quotes
There are a few different ways in which you can obtain quotes on your public liability cover.

Many business owners and operators obtain quotes from a qualified insurance broker.

This is certainly a good option, as you can rely on the expertise of the broker to help you choose the right policy.

The only downside to using a broker is that they will generally
charge you an additional fee for their service, but many business owners find this fee worthwhile due to the service and advice that they receive.

For business owners who are comfortable in researching and choosing their cover themselves, another option for obtaining quotes is to go online.

There are various websites which provide quotes for public liability insurance.
Some are owned by the insurance companies, whilst some are owned by independent groups.

Going ahead Once you have gathered all of your public liability quotes the next step is to proceed with the cover and get your business protected.
The good news is that however you get your quotes, the same method will be available to proceed with the insurance if you wish.

ACPG insurance professional consultant can help you through the application and proposal process, and many of the websites offering quotes also have online application systems available.

For more information or to obtain quotes on your public liability insurance please contact ACPG insurance professional consultant.

Domestic Appliance Installation Public Liability
Public Liability Insurance is an insurance policy where a tradesman can insure against any third party injury or any third party property damage that they may cause during the course of their work. Although this is not an insurance that is legally compulsory you will find that most companies are now insisting that this be in place before you can undertake any work for them, this could even result in them withholding any monies that you have earned until you show them the insurance schedule.

A Domestic Appliance Installer obviously has to go into homes and businesses alike to deal with their property and may come in to contact with their equipment and therefore they could either accidentally cause damage to the property they are going in to do the work for example if they were to knock anything over or if they were to accidentally damage any part of the building that they weren't actually doing the work on.

The second part of cover that you can get as a Domestic Appliance Installer is if whilst doing your job you was to injure any person around you, the most obvious way this can happen is if you leave any tools, leads or toolboxes lying around and someone was to trip over them, they would then hold you responsible for their injuries and this is where the insurance policy would step in and cover you.

There are three levels of cover that you can usually get with this type of insurance starting at one millions ringgit worth of cover and rising to either two million or five
million. Prices for working in non-hazardous areas generally will be around about reasonable and affordable insurance premium cost for the year, obviously if you were to get higher than the lowest level of cover then you would pay more for this. There are also rare occasions where you can get ten million ringgit of cover but usually that would have to be for specific job and there are only a few insurers that will cover it,

When you consider that if something was to go wrong then you could get left paying the costs of any incident where someone may hold you liable then the prices above don't seem so steep to pay once every year compared to a claim that you could get stuck with that could run in to thousands of ringgit depending on how serious the incident is.

Malaysia Insurance Tips

Malaysia Insurance Tips

Malaysia Construction and Engineering Insurance

Contractors' All Risks (CAR)

Contractors' All Risk insurance (CAR) is designed to provide coverage involving construction of buildings and other civil engineering works. It provides coverage against:

Loss or damage to the contract works caused by any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded.

Damage to third party property and/or bodily injury occurring in direct connection with the erection works.

Contractors' All Risk insurance (CAR)
policy is designed to provide protection against loss or damage in respect of the contract works at contract site and third party claims arising in connection with the construction of a project.

With additional premium, the cover may include Construction Plant and Equipment, Construction Machinery, Removal of Debris, Professional Fees and Principal’s Existing Property.

Duration Contractors' All Risk insurance (CAR) of cover corresponds with the contract period which is stipulated in the Letter of Award.

PRODUCT DISCLOSURE SHEET
CONTRACTOR’S ALL RISKS
(Please read this Product Disclosure Sheet before you decide to take out a Contractor’s All Risks Insurance Policy.
Be sure to also read the general terms and conditions stated in the policy).

1. What is this product about?

This policy provides All Risks coverage unless specifically
excluded under the policy for contractors to meet their insurance obligations under the contract conditions for projects awarded such as, construction of buildings, roads, railway lines, airports, tunnels, bridges, towers, dams, etc.
This policy covers the contract work to be executed in accordance with the contract, any temporary works, construction materials, construction plant and equipment used at the work site and any third party liability arising out of the performance of the contract.

2. What are the covers / benefits provided?

This policy has two sections, namely :
• Section I – Material Damage

It covers any unforeseen and sudden physical loss or damage from
any cause, other than those specifically excluded under the policy:

a) to the contract work executed

b) to the contractor’s plant, machinery and equipment used for the contract at work site

c) to Principal’s existing property

• Section II – Third Party Liability
It covers the contractor for all sums which he shall become legally liable to pay as damages consequent upon:

a) accidental bodily injury to or illness of third parties (whether fatal or not)

b) accidental loss of or damage to property belonging to third parties
occurring in direct connection with the construction of the items insured under Section I and happening on or in the immediate vicinity of
the work site during the period of cover.

Duration of cover corresponds with the contract period including maintenance period as stipulated in the Letter of Award.
You need to purchase a new insurance policy to cover each project undertaken.

3. How much premium do I have to pay?
The total premium that you have to pay may vary depending on the Contract Value, the scope of work of the
project to be executed, the risk exposure, the extensions to basic cover required and the underwriting
requirements of the company:

• Estimated Contract Value
• Rate Applicable _____________%
• Sum Insured for Extensions of cover
• Loadings Applicable to the Extensions _____________%
The estimated total premium that you have to pay is: RM___________

4. What are some of the key terms and conditions that I should be aware of?
Some of the key terms and conditions that you should be aware of are:

• Duty of disclosure - you must give all the facts in your application form fully and faithfully otherwise your policy may be void.

• Duty of Assured – you shall take all reasonable precautions and comply with all reasonable recommendations of the company to prevent loss, damage or liability and comply with statutory requirements and manufacturer’s recommendations.

• You must ensure that your sum insured stated in the Schedule are adequate:

a) Contract Works - full Value of the contract works at the completion of the construction inclusive of all materials, wages, freight, customs
duties, dues and materials or items supplied by the Principal.

b) Construction Plant and Equipment - the replacement value of construction plant and equipment, which shall mean the cost of replacement of the insured items by new items of the same kind and capacity.

• Any extension of the contract period may be considered subject to advance notification to the company in writing and submission of relevant documents.

• Underinsurance - if the sum insured stated in the Schedule is less than the amount required to be insured at the time of loss, you are deemed to be self-insuring for the difference. The average condition shall apply in event of a claim.

• Excess - is the amount of loss that you have to bear in event of a claim.

5. What are the major exclusions under this policy?

This policy does not cover certain losses, such as:
a) loss or damage due to faulty design

b) the cost of replacement, repair or rectification of defective material and/or workmanship

c) wear and tear, corrosion, oxidation, deterioration due to lack of use and normal atmospheric conditions

d) loss or damage to construction plant, equipment and construction machinery due to electrical or mechanical
breakdown, effective lubrication or lack of oil or coolant.

e) consequential loss of any kind or whatsoever including penalties, losses due to delay, lack of performance, loss of contract.

f) loss, damage or liability caused by or arising out of :
• war, riot, strike, civil commotion
• nuclear reaction, nuclear radiation or radioactive contamination
• willful act or willful negligence
• cessation of work whether total or partial
(Note : This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.)

6. Can I cancel my policy and how do I cancel it?
There is no cancellation provision under this policy.

7. What do I need to do if there are changes to my contact details?
It is important that you inform us of any changes to your contact details. This is to ensure that all the correspondence will reach you in a timely manner.

8. Where can I get further information?
Should you require additional information about our Contractor’s All Risks insurance or any other types of insurance products, you may contact ACPG directly at your convenience. Alternatively, you may visit our website at www.acpgconsultant.com.

Malaysia Public Liability Insurance

Monday, 17 October 2016

Lonpac Motor Insurance Malaysia arranged by ACPG Management Sdn Bhd

Monday, 29 August 2016

Mercedes Car Insurance Kuala Lumpur Directory