STAMP DUTY PAID

PRIVATE CAR PLUS

(Enhanced Private Car)
EXPLANATORY NOTES
How to read this document
Please note that your Private Car Plus Policy only starts from page 5 onwards.To help you read and understand your policy
better we provide some explanatory notes together with comments and examples (written in italic). These are not meant
to be part of your policy and should not be used to interpret your insurance contract in the event of any dispute.

Words in bold
You will notice that some words in the policy are printed in bold letters. This is because they have been given specific
meaning in your Private Car Plus Policy. Please refer to Section F on pages 14 to 16 for the meaning of these words.

What makes up your insurance contract?

Your insurance contract with us is made up of the following:
• insurance policy in pages 5 to 22 (excluding the italic texts);
• the information you provided us when you applied for this insurance;
• the Schedule;
• the Endorsements attached to the policy; and
• the Certificate of Insurance (CI).
All these must be read together as they form your insurance contract.

Duty of Disclosure

A. Consumer Insurance Contract

Where you have applied for this insurance wholly for purposes unrelated to your trade, business or profession, you had a duty
to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when you
applied for this insurance) i.e. you should have answered the questions fully and accurately. Failure to have taken reasonable
care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s),
change of terms or termination of your contract of insurance in accordance with Schedule 9 of the Financial Services Act
2013. You were also required to disclose any other matter that you knew to be relevant to our decision in accepting the risks
and determining the rates and terms to be applied.

You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or
renewed with us, any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or
has changed.

B. Non-Consumer Insurance Contract

Where you have applied for this insurance for purposes related to your trade, business or profession, you had a duty to
disclose any matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms
to be applied, and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise
it may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of term(s) or
termination of your contract of insurance.

You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or
renewed with us, any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or
has changed.

If you misrepresented any facts to us before the policy is entered into, examples of the actions that may be taken by us
against you include the following:

• declare your policy void from inception (which means treating it as invalid), and we may not return any premium;
• cancel this policy and return any premium less our cancellation charge or recover any unpaid premium;
• remove one or more named drivers from your policy and adjust your premium accordingly;
• recover any shortfall in premium;
• not pay any claim that has been or will be made under the policy; or
• be entitled to recover from you the total amount of any claim already paid under the policy or any claim we have to
pay because of any relevant road traffic legislation, plus any recovery cost.

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What is covered?
Your insurance does not cover you against everything that can happen to your car. Check out the Schedule that we issued to
you to know the type of cover you bought. The main types of cover are:
Third Party, Third Party
Page Basic Cover: Fire and Only
Comprehensive
Theft
5 to 7 Section A: Loss or Damage to Your Own Car
5 to 6 1. a. Events We Cover
(i) accidental collision or overturning ✓ X X
(ii) collision or overturning caused by ✓ X X
mechanical breakdown
(iii) collision or overturning caused by wear
✓ X X
and tear
(iv) impact damage caused by falling objects ✓ X X
subject to certain exclusions
(v) fire, explosion or lightning ✓ ✓ X
(vi) breakage of windscreen, windows or
sunroof including lamination / tinting ✓ X X
film

(vii) burglary, housebreaking or theft ✓ ✓ X

(viii) malicious act ✓ X X

(ix) while in transit (limited cover) ✓ X X

5 to 6 1. b. Events We Do Not Cover ✓ ✓ X

2. Basis of Settlement (how we will settle your
6 to 7 ✓ ✓ X
claim)
8 3. Towing Costs (to a repairer or safe place) ✓ ✓ X

8 to 9 Section B: Liability to Third Parties

8 1. a. What is Covered (by this section) ✓ ✓ ✓
8 to 9 1. b. What is Not Covered (by this section) ✓ ✓ ✓
8 2. Limits of Our Liability (the maximum that we pay) ✓ ✓ ✓

8
3. Cover for Legal Personal Representatives (if you ✓ ✓ ✓
are dead)
8 4. Maximum Legal Costs (if approved) ✓ ✓ ✓
9 5. Rights of Recovery ✓ ✓ ✓
9 to 10 Section C: No Claim Discount ✓ ✓ ✓
10 to 11 Section D: General Exceptions (what is not covered by the ✓ ✓ ✓
policy)
11 to 14 Section E: Conditions (terms that you must comply with) ✓ ✓ ✓
14 to 16 Section F: Definitions (explains the words in bold) ✓ ✓ ✓
16 to 31 Section G: Endorsements (additional terms that we may
impose on you or additional covers if you Optional Optional Optional
have paid additional premium)
32 *Section H: GapZero Plus (Non-Tariff) Optional X X
33 to 36 *Section I: Tokio Marine DriveSafe Pro (Non-Tariff) Optional X X
36 to 38 *Section J: Perodua Total Protect Plus (Non-Tariff) Optional X X
38 *Section K: Tokio Marine Auto Prime (Non-Tariff) Optional X X
38 to 39 *Section L: GapZero – With Theft (Non-Tariff) Optional X X
39 to 42 Section M: Private Hire Car Endorsement (Non-Tariff) Optional X X
42 *Section N: Motor Add-On (Non-Tariff) Optional X X

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 42 to 44 *Section O: NisCare/RenCare/InfinitiCare (Non-Tariff) Optional X X
44 to 46 Section P: Grab Driver Daily Insurance(Non-Tariff) Optional X X
47 to 49 *Section Q: Honda Insurance Plus (Non-Tariff) Optional X X
49 to 51 *Section R: Tokio Marine Prestige (Non-Tariff) Optional X X
51 to 52 Section S: Unlimited Towing (Non-Tariff) Optional X X
Key: ✓= applicable X = not applicable
* Eligibility to purchase this benefit is dependent on business segment

What this policy does not cover?

These are referred to as ‘Exceptions’ in your policy and there are three sections where you can find them:
• Section A1b – see ‘Events We Do Not Cover’ (pages 5 and 6): applicable to Comprehensive policy only.
• Section B1b – see ‘What is Not Covered’ (pages 8 and 9): applicable to Comprehensive, Third Party, Fire & Theft and
Third Party Only policies.
• Section D – see ‘General Exceptions’ (pages 10 to 11): applicable to Comprehensive, Third Party, Fire & Theft and Third
Party Only policies.

There are generally three reasons why we put these exceptions in your basic Private Car Plus Policy:
1. Cover is not provided for the exceptions. We have to charge additional premium if you want to cover any of these
exceptions. Some examples of the exceptions which are not covered by your basic Private Car Plus Policy but which can
be covered if you pay additional premium are:
▪ flood, storm {see Section A1b – ‘Events We Do Not Cover’ (page 6)};
▪ strike, riot, civil commotion {see Section D – ‘General Exception 8b’ (page 11)}; and
▪ use outside Malaysia, Singapore or Brunei {see Section D – ‘General Exception 6’ (page 10)}.

2. There are other risks which are not covered by the basic Private Car Plus Policy or by any of its extensions. We would
have to issue a different policy if you want these types of cover. For example, the following are not covered by your
Private Car Plus Policy but can be covered under a different type of policy:
▪ carriage of goods must be covered under a Commercial Vehicle Policy; and
▪ hire or reward must be covered by taxi or hired car policy.

3. We cannot and do not cover certain risks at all. Some examples of these can be seen in Section D – ‘General Exceptions’
(pages 10 to 11) such as:
▪ war, nuclear fission or fusion;
▪ risks that are against public policy or against the law; and
▪ drunk driving.

How can your car be used?

Since this is a Private Car Plus Policy, your policy only covers you if your car is used for “social, domestic and pleasure
purposes and for the policyholder's business”. This is clearly stated in the Certificate of Insurance under the heading
“Limitation as to Use”.

The following are some examples of how your car can be used:
• to visit relatives and friends, for shopping etc.; and
• for some limited business use such as getting to and from work, and meeting customers.

However, we will not cover you, for example, if you use your car in the following manner:
• as a private taxi by charging fares to carry passengers;
• as a hire car by charging rental to use your car;
• to carry any goods in connection with any trade or business other than samples. You must buy a Commercial Vehicle
Policy to cover for this use;
• for motor trade (use for showroom display and for test-drive);
• to practise for or to take part in any race, rally, pacemaking, reliability trial or speed test; and
• use on any racetrack.

Who can drive your car?

• Practically anyone can drive your car as long as the driver:
▪ has a valid licence of the relevant class to drive and is not disqualified to drive by law or for some other reason
{(see exclusion on Unlicensed Drivers in Section D – ‘General Exception 1’ (page 10)};
▪ has your permission to drive (see definition of Authorised Driver in page 14); and
▪ complies with all the terms and conditions of this policy.
• Although anyone complying with the above conditions can drive your car, you may have to pay an additional excess
depending on the age of the driver, the type of licence the driver possesses or if the driver is not a named driver (see
explanation on excess in page 4). If you or your authorised driver is not qualified to drive or breach any of the terms
and conditions, your claim may be rejected. If we are compelled by law to pay, we can recover any sum(s) paid and any
expenses incurred from you or your authorised driver.

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In which territory is your car covered?
This insurance you have purchased only covers you in Malaysia, Singapore and Brunei in accordance to the laws of Malaysia.
Additionally, note that if you intend to drive your car into Singapore, you are required by Singapore’s law to have cover
against Legal Liability to Passengers (LLP). Since LLP is not covered by the basic Private Car Plus Policy, you will need to
purchase Endorsement 100 (see page 21), which provides a limited cover for your liability for death or bodily injury of
passengers.

When is your cover effective?

This insurance is effective from the time of purchase of cover or at the agreed time of commencement, until the expiry
date. The period of insurance will be printed in the Policy Schedule and related documents. If there is any change to these
dates, it will be officially shown in an Endorsement issued by us.

How much should you insure your car for under a Comprehensive or Third Party, Fire and Theft Policy?
To be safe, you should insure your car at its current market value (see definition in page 15). In simple terms, this is the
current cost to replace your car with another car of the same make, model, age and general condition. The amount that
you choose to insure is called the sum insured. Please note that you could be penalised if your car is under-insured (see
Section A2e – ‘Under-Insurance’ in page 7).

For example, if the market value of your car is RM100,000 but you only insured it for RM80,000 then you could be penalised
for under-insurance. Assuming the loss is assessed at RM5,000, instead of we paying the full amount, you could be made to
bear a portion of the loss in proportion to the under-insurance as follows:

Sum Insured RM80,000

------------------- x Loss = ------------- x RM5,000 = RM4,000
Market Value RM100,000

Therefore we will pay RM4,000 while the balance of RM1,000 will be borne by you.

You would be penalised as shown above if the market value of your car exceeds the sum insured by 10%. On the other hand,
it would be a waste of money to over-insure as your insurer would not pay more than the market value. One way to protect
yourself from being under-insured or over-insured is to opt for the sum insured determined by a market valuation system
approved by Persatuan Insurans Am Malaysia (PIAM).

What is No Claim Discount (“NCD”)?

This is a form of premium discount for not having made a claim during the preceding period of your insurance (provided the
period of insurance exceeds one year). The scale of NCD applied is specifically mentioned in the policy.

The applicable NCD can be checked with us or the Central NCD Database (“CND”) at https:// www.mycarinfo.com.my
/ncdcheck/online before the purchase of your Private Car Plus Policy.

What is an Excess?
This is the first amount that you have to bear yourself for each and every claim that we approve, even if the incident is not
your fault. However, please note that the excess does not apply to loss or damage caused by fire, explosion, lightning,
burglary, housebreaking, theft, third party property damage or bodily injury claims. Please check your Policy Schedule to
find out the amount that you are liable to pay. This is referred to as Endorsement 1 or 2 in your policy. Note that there is
also the Compulsory Excess (see page 7) where you have to bear an additional excess of RM400 if you or the person driving
your car:
• is under 21 years old;
• holds a Provisional (P) or Learner (L) driver’s licence; or
• is not named in the Schedule as a named driver.

As an example, if we assess the claim payable to be RM10,000 but your policy carries an excess of RM500, you will have to
bear the first RM500 yourself and we will pay the balance of RM9,500. However, if the driver is below 21 years old, you
have to bear an additional excess of RM400. Using the same example, you now have to bear RM900 (i.e. 500 + 400) and we
will pay RM9,100.

Do’s and Don’ts – after you have had an accident or theft

• Do:
▪ inform us as soon as possible about any incident which may give rise to a claim;
▪ report all accidents to the police within 24 hours as required by law;
▪ submit immediately to us all letters, claims, writs and summons which you have received from third parties as a
result of the incident;
▪ remove your car to a PIAM Approved Repairer or our approved panel repairer for repairs or windscreen repairs or
replacement;
▪ fully fill up the relevant sections of your claim form – do not put “refer to police report”; and
▪ if you have a Comprehensive cover and the third party that knocked your car is clearly at fault, you are advised to
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 submit own damage Knock-for-Knock (KfK) claim to us in order to expedite claims processing. Your NCD entitlement
will not be affected and you can claim the excess that you had paid from the insurer of the third party.

• Don’t:
▪ negotiate, admit or repudiate any claim without our consent (see Condition 2 in pages 12 and 13); and
▪ authorise repair without our consent (see Condition 2f in page 12).
Condition 2 of your policy (see page 12) spells out the do’s and the don’ts after an accident or theft in more detail.

PRIVATE CAR PLUS

Our agreement with You

A. Where Your Car is used for any purpose that is not related to Your trade, business or profession, the following applies:
Consumer Insurance Contract
This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the
answers given in Your Proposal Form (or when You applied for this insurance) and any other disclosures made by You
between the time of submission of Your Proposal Form (or when You applied for this insurance) and the time this contract
is entered into. The answers and any other disclosures given by You shall form part of this contract of insurance between
You and Us. However, in the event of any pre-contractual misrepresentation made in relation to Your answers or in any
disclosures given by You, only the remedies in Schedule 9 of the Financial Services Act 2013 will apply.

This Policy reflects the terms and conditions of the contract of insurance as agreed between You and Us.

B. Where Your Car is used for purposes related to Your trade, business or profession, the following applies:
Non-Consumer Insurance Contract
This Policy is issued in consideration of the payment of premium as specified in the Policy Schedule and pursuant to the
answers given in Your Proposal Form (or when You applied for this insurance) and any other disclosures made by You
between the time of submission of Your Proposal Form (or when You applied for this insurance) and the time this contract
is entered into. The answers and any other disclosures given by You shall form part of this contract of insurance between
You and Us. In the event of any pre-contractual misrepresentation made in relation to Your answers or in any disclosures
made by You, it may result in avoidance of Your contract of insurance, refusal or reduction of Your claim(s), change of
terms or termination of Your contract of insurance.

This Policy reflects the terms and conditions of the contract of insurance as agreed between You and Us.

Section A: Loss or Damage to Your Own Car

This section spells out what We cover under Section A and is only applicable if You have Comprehensive cover.

1a: Events We Cover 1b: Events We Do Not Cover

The events We do not cover are the exceptions listed

below. These exceptions are specific to Section A and
are in addition to exceptions listed in Section D and
the applicable Endorsements.

We will indemnify You if Your Car is lost or damaged We will not pay for the following losses:
during the Period of Insurance arising from the following
Incidents: (i) Consequential Losses
Any direct or indirect losses of any kind that may
(i) accidental collision or overturning; arise as a consequence of any Incident other than
(ii) collision or overturning caused by mechanical that provided for in Section A2.
breakdown;
(iii) collision or overturning caused by wear and tear; (ii) Loss of Use
(iv) impact damage caused by falling objects provided Any expense or financial loss that You may incur
no convulsions of nature is involved; because You cannot use Your Car e.g. cost of hiring
(v) fire, explosion or lightning; replacement car, travelling expenses etc.
(vi) breakage of windscreen, windows or sunroof
including lamination / tinting film, if any; For an additional premium, Your Policy can
be extended to cover an agreed payment per

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 However, Your no claim discount would be day for an agreed duration (Endorsement
forfeited when You make windscreen, 112).
windows or sunroof claim if You have not
already purchased Endorsement 89.

(vii) burglary, housebreaking or theft;

(viii) malicious act; or (iii) Depreciation
The loss of value of Your Car due to the damage
(ix) while in transit i.e. being carried from one place to
another (including during loading and unloading) of sustained or the time taken to repair the Car, and /
or for any loss or damage that results over a
Your Car by:
prolonged period of time due to wear and tear, rust
and corrosion.

1a: Events We Cover

1b: Events We Do Not Cover
a. Road;
b. rail; (iv) Breakdown or Malfunction of Parts
c. inland waterway i.e. across a river or canal etc.; Any mechanical, electrical or electronic breakdown,
or equipment or computer malfunction, or any other
d. across the sea by ferry or ship or any sea faring failure or breakdown to Your Car.
vessels etc. between the island of Penang and
the mainland only. (v) Damage to Tyre(s)
Any damage to the tyre(s) of Your Car unless other
For an additional premium, Your Policy can parts of Your Car are also damaged at the same time.
be extended to cover for ferry transit
between Sabah and Labuan (Endorsement (vi) Convulsions of Nature
109).
Any loss or damage to Your Car caused by flood,
typhoon, hurricane, storm, tempest, volcanic
eruption, earthquake, landslide, landslip, subsidence
or sinking of the soil / earth or other convulsions of
nature.

(vii) Excess
The amount of Excess stated in the Schedule. This is
the first amount that You have to bear in respect of
each and every claim under the Policy.

(viii) Loss of Electronic Data

Loss of electronic data and any consequences arising
from it, directly or indirectly caused by or in
connection with a computer virus. This includes loss
of use, reduced functionality, or any other associated
loss or expense in connection with the electronic
data.

(ix) Cheating or Criminal Breach of Trust

Any loss or damage, including theft, caused by or
attributed to the act of Cheating or Criminal Breach
of Trust by any person.

2: Basis of Settlement

This section explains how We will settle Your claim once We accept that it is payable under Section A. If Your Car is
damaged as a result of any Incident, We have the option of doing the following:

a. If Your Car is Repairable

If in Our opinion Your Car is economical to repair, We have the option to:
• arrange for Your Car to be repaired at Our approved Repairer and pay the cost of repairing Your Car to the condition
which is as near as possible to the condition it was in before the loss happened;
• pay You in cash the amount We estimate it would cost to repair Your Car; or
• reinstate or replace Your Car with one of the same make, model, age and general condition.

b. If Your Car is not Repairable

If in Our opinion, the damage to Your Car is so great that it would not be safe or economical to repair, We will declare
Your Car “Beyond Economic Repair” (“BER”) and We will pay You up to the maximum amount as stated in (d) below or
offer You a settlement sum equivalent to the Market Value. We may also opt to replace Your Car with one of the same
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 make, model, age and general condition. If We take any of these actions, this Policy shall be automatically terminated
once We make payment.

In cases where the valuation of the franchise-holder vary from Market Value by more than 10%, We would also have
the option to offer a settlement value which is equal to the cost of purchasing a replacement car of the same make,
model and age of the Car at the time of loss. It is Our option to offer You a replacement of the Car, should You not
agree with the offer.

c. Replacement Parts
If the spare parts or Accessories required to repair Your Car are not available in Malaysia, or if We choose to pay for the
loss or damage in cash, We will settle Your claim on the following basis:
• the last known parts price list issued in Malaysia by the manufacturer or their agent. If the price list in Malaysia does
not exist, We will use the price at the manufacturer’s production plant and include reasonable cost of transportation
to Malaysia (but not the cost of air freight); and
• the reasonable labour cost of fitting such spare parts or Accessories in Malaysia.

d. The Maximum Amount We will Pay You

If Your Car is BER or stolen and not recovered, the amount payable under the Policy will be the Market Value at the
time of the loss or the Sum Insured as shown in the Schedule, whichever sum is the lesser. Upon Our payment of the
said amount, this Policy shall be automatically terminated. The Market Value is to be determined according to clauses
14 and 15 of Section F.

e. Under-Insurance
If the Sum Insured of Your Car is less than the Market Value at the time of the loss, We will only bear part of the loss in
proportion to the difference between the Market Value and the Sum Insured as shown in the formula below:
Sum Insured x Assessed Loss
Market Value
The balance has to be borne by You. However, this will only apply if the under-insured amount is more than 10% of the
Market Value.

f. Betterment
If new original parts are used to repair Your Car and as a result of which Your Car is in a better condition than it was
before the damage, You would be required to contribute to its betterment, a proportion of the costs of such new original
parts. Your contribution would be according to the following scale:
Age of Your Car (Years) Rate of Betterment
less than 5 0
5 15%
6 20%
7 25%
8 30%
9 35%
10 and above 40%

To determine the rate of betterment to be applied, the age of Your Car will be calculated based on when it was originally
registered in Malaysia:
a. as a locally assembled car Date of Original Registration
b. as a new imported Completely Built Unit (CBU) car Year of Manufacture
c. as an imported second-hand / used / reconditioned car Year of Manufacture

g. Compulsory Excess (please see page 4 for explanation)

In addition to the Excess shown in the Schedule, We have the right to deduct another RM400 as Compulsory Excess if at
the time of the Incident, You or the person driving Your Car with Your consent:
• is under 21 years old;
• holds a Provisional (P) or Learner (L) driver’s licence; or
• is not named in the Schedule as Named Driver.

We will not deduct this additional RM400 Excess if the loss or damage is caused by fire, explosion, lightning, burglary,
housebreaking, theft, third party property damage or bodily injury claims.

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 3: Towing Costs

If Your Car cannot be driven as a result of any damage to it that is covered by this Policy, We will pay up to a maximum of
RM200 for the necessary and reasonable costs to remove Your Car to the nearest approved Repairer or to a safe place of
storage while awaiting repair or disposal.

Section B: Liability to Third Parties

This section explains what is covered and not covered under Section B.

1a: What is Covered? 1b: What is Not Covered?

We will indemnify You and / or Your Authorised Driver for These exceptions are specific to Section B and are in
the amount which You and / or Your Authorised Driver are addition to the Exceptions stated in Section D of this Policy
legally liable to pay any third party (including third party’s and any other applicable Endorsements. We will not pay
costs and expenses) for: for:

(i) death or bodily injury to any person except those (i) death or bodily injury to any passenger being carried
specifically excluded under this Policy; and / or for hire or reward;

(ii) damage to property except those specifically excluded (ii) death or bodily injury to any person where such death
under this Policy or injury arises out of and in the course of the
employment of such person by You or by Your
as a result of an Incident arising out of the use of Your Authorised Driver;
Car on a Road. This cover is extended to Your Authorised
Driver provided Your Authorised Driver also complies Under the Road Transport Act 1987, this Policy shall
with all the terms and conditions of this Policy. not be required to cover, except in the case of a
motor vehicle in which passengers are carried for
hire or reward or by reason of or in pursuance of a
2: Limits of Our Liability contract of employment, liability in respect of
death of or bodily injury to persons being carried in
or upon or entering or getting onto or alighting from
We will pay the following for any one claim, or series of the motor vehicle at the time of the occurrence of
claims arising from one Incident, in any one Period of the event out of which the claims arise.
Insurance:

(i) unlimited amount for death or bodily injury to third In the course of employment – Any person who is
party; and / or injured / dies (whether as passenger or otherwise)
(ii) up to a maximum of RM3 million for third party while on the job and is in or on the said Car as part
property damage. of his / her employment e.g. car wash worker,
mechanic etc.
For an additional premium, the limits of liability
for third party property damage can be extended
up to RM20 million (Endorsement 105). (iii) damage to property belonging to or in the custody of
or control of or held in trust by You or Your
Authorised Driver and / or any member of Your or
Your Authorised Driver’s Household;
3: Cover for Legal Personal Representatives
(iv) liability to any person being carried in or upon or
entering or getting onto or alighting from Your Car
Following the death of any person covered under this unless he / she is required to be carried in or on Your
Policy, We will indemnify that person's legal Car by reason of or in pursuance of his / her contract
representatives for liability covered under this Section, of employment with You or Your Authorised Driver
provided such legal representatives comply with all the and / or his / her employer;
terms and conditions of the Policy.
In pursuance of the contract of employment – The
passenger is required to be carried to a destination
4: Legal Costs in order to carry out the job as spelt out in his /
her contract of employment.

If You or Your Authorised Driver is charged for reckless

and dangerous driving or careless or inconsiderate driving
under the Road Transport Act 1987 or any other offence
related to the said Incident, We will pay legal costs
incurred up to a maximum of RM2,000 to defend You or
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Your Authorised Driver provided always that such costs
are incurred in Malaysia, the Republic of Singapore or
Negara Brunei Darussalam, and that cost has been incurred
with Our prior agreement in writing.
We will only pay for legal cost and We will not pay for any
penalty imposed on You or Your Authorised Driver.

5: Rights of Recovery 1b: What is Not Covered?

We have a right to refuse to indemnify You or Your

Authorised Driver if either of You commit a breach of Liability to passengers other than:
any Policy conditions or where the claim falls outside the a) passengers carried for hire or reward;
scope of cover provided by Us under this Policy. However, b) employees in the course of employment; or
if We are legally required to pay any judgment sum in c) Your or Your Authorised Driver’s
respect of a claim under Section B of this Policy because Household member unless he / she is
of laws in force in Malaysia, Republic of Singapore or required to be carried in Your Car by reason
Negara Brunei Darussalam, which We would otherwise not of or in pursuance to a contract of
have to pay, We have the right to ask You or Your employment;
Authorised Driver to repay to Us the amount of that
payment and any costs We have incurred in connection may be insured separately for additional premium
with the claim. under Endorsement 100. If You have insured such
liability, You will need to refer to the full text of
Endorsement 100: Legal Liability to Passengers
as to what this Endorsement covers or excludes
and the applicable conditions.

(v) liability caused by a passenger travelling in or

alighting from Your Car;

Liability for accidents caused by Your

passengers may be insured separately for
additional premium under Endorsement 72. You
will need to refer to the full text of Endorsement
72: Legal Liability of Passengers for Negligent
Acts as to what this Endorsement covers or
excludes and the applicable conditions.

(vi) any claims brought against You by any driver of Your

Car, whether authorised or not;

(vii) any claims brought against any person in any country

in courts outside Malaysia, the Republic of Singapore
or Negara Brunei Darussalam; and / or

(viii) all legal costs and expenses which are not incurred in
or recoverable in Malaysia, the Republic of Singapore
and Negara Brunei Darussalam.

Section C: No Claim Discount

This section spells out the reward system known as the “No Claim Discount”.
1. No Claim Discount (NCD)
If You have insured Your Car for a continuous period of 12 months and You or anyone else did not make any claim under
this Policy during that time, a NCD will be applied at each renewal. The applicable NCD will increase with each renewal
if You continue to have claim free years as follows:
Claim Free Year of Insurance NCD Entitlement
After 1 continuous claim free year 25%
After 2 continuous claim free years 30%
After 3 continuous claim free years 38 1/3 %
After 4 continuous claim free years 45%
After 5 continuous claim free years and beyond 55%

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2. One Claim and Your NCD is Down to Zero
If You or anybody else meet with an Incident which will give rise to a claim on this Policy, the NCD entitlement that
You have accumulated would drop to zero at the next renewal and Your NCD will start all over again. If a claim is
received after the NCD has been applied, We shall be entitled to recover the NCD given from You.

3. Exception to this Rule

Your NCD will not be affected even if a claim is made if:
• We are of the opinion that You are not at fault for causing the loss;
• the offending vehicle is identifiable and is not a vehicle used for carriage of passengers for hire or reward (for
example taxis, hire cars, public buses, stage buses, school buses and factory buses for hire);
• the offending vehicle is insured by a Malaysian licensed insurer; and
• there is no death or personal injury claim involved.

4. Your NCD is not Transferable

The NCD is personal to You which means that if You were to sell Your Car and We agree to transfer this Policy to the
new owner, Your NCD cannot be transferred for the benefit of the new owner.

5. Non-utilisation of NCD
For every year that the NCD is not utilised by You, the NCD accumulated and applicable for this Policy will be reversed
in accordance with the scale set out in the table in clause C1 above.

Section D: General Exceptions - these apply to the whole Policy

This section lists down circumstances under which this Policy does not provide cover at the time of happening of the
Incident. This is in addition to those already listed in Sections A1b (see pages 5 and 6) and B1b (see pages 8 and 9).

1. Unlicensed Drivers
There is no cover under this Policy if You or Your Authorised Driver do not have a valid driving licence to drive Your
Car. This will not apply if You or Your Authorised Driver have an expired licence but are not disqualified from holding
or obtaining such driving licence under any existing laws, by-laws and regulations.

2. Alcohol, Drugs and Other Intoxicating Substances

There is no cover under this Policy if You or Your Authorised Driver is under the influence of alcohol or intoxicating
liquor, narcotics, dangerous drugs or any other deleterious drugs or intoxicating substance to such an extent that You
or Your Authorised Driver are incapable of having proper control of Your Car.

You or Your Authorised Driver shall be deemed as incapable of having proper control of Your Car if after a
toxicology or equivalent test, it is shown that the alcohol level in the breath, blood or urine of You or Your
Authorised Driver is higher than the prescribed limit pursuant to Section 45G(1) of the Road Transport Act 1987
of 50mg of alcohol in 100ml of blood (or equivalent in respect of breath or urine) or other equivalent legislation
that is in force at the material time.

3. Fraud and Exaggerated Claims

If any claim is in any part fraudulent or exaggerated, or if You or anyone acting on Your behalf, uses fraudulent means
to get any benefit under this Policy, the entire claim will not be paid or payable. If We are required to make payment
of any such claim to a third party, We shall be entitled to recover the sum paid and any costs incurred from You.

4. Unlawful Purpose
There is no cover under this Policy if You or Your Authorised Driver use Your Car for an unlawful purpose or to attempt
an unlawful purpose i.e. in violation of the criminal law or a recognised law of the country where Your Car was being
used.

5. Use for Racing etc.

There is no cover under this Policy if You use or You allow Your Authorised Driver to use Your Car:
a. to practise for or to take part in any motor sport, competition (other than treasure hunt), rally, pacemaking,
reliability trial or speed test; or
b. on any racetrack.

For an additional premium, Your Policy can be extended to cover the use of Your Car for reliability trial or
competition if You purchase the prescribed extension cover {Endorsement 24(c) or 24(d)}.

6. Use Outside Malaysia

Unless We provide otherwise, this insurance does not cover You in respect of claims arising whilst Your Car was being
used or driven outside Malaysia, the Republic of Singapore and Negara Brunei Darussalam. In Malaysia, Our liability under

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 this Policy is governed by the Road Transport Act 1987 and the terms and conditions of this Policy, and Our liability
outside Malaysia is governed by the terms and conditions of this Policy only.

For an additional premium, Your Policy can be extended to cover the use of Your Car in Thailand or Kalimantan
only if You purchase the prescribed extension cover (Endorsements 101 and 102).

7. Failure to take Precaution

We will not pay for any additional damages if after an Incident or breakdown You:
a. left Your Car unattended or failed to take proper precaution to prevent further loss or damage; or
b. continue to drive Your Car in an unroadworthy condition before any repair is done.

We will also not pay for claims that arise if, when using Your Car, You do not take reasonable precaution to keep
Your Car secured. This includes but is not limited to leaving Your Car unattended while unlocked or with ignition key
left in or on Your Car.

8. War Risk
There is no cover under this Policy for any loss or liability (including any cost of defending any action) connected in any
way directly or indirectly to:
a. war, invasion, acts of foreign enemies, hostilities or warlike operation (whether war is declared or not), civil war,
Act of Terrorism, mutiny, rebellion or revolution; or
b. strike, riots or civil commotion assuming the proportion of or amounting to an uprising, insurrection or military
or usurped power.

For an additional premium, Your Policy can be extended to cover strikes, riots and civil commotion (Endorsement
25).

9. Nuclear Risk
There is no cover under this Policy for any accident, loss or damage to any property or any loss or liability arising
therefrom (including consequential losses and costs of defending any actions) connected in any way with operations using
the nuclear fission or fusion process, or handling of radioactive material. This includes, but is not limited to:
a. the use of nuclear reactors such as atomic piles, particle accelerators or generators and similar devices;
b. the use, handling or transportation of radioactive material in relation to any Act of Terrorism;
c. the use, handling or transportation of any weapon or explosive device employing nuclear fission or fusion; or
d. the use, handling or transportation of radioactive material.

10. Convulsions of Nature

There is no cover (unless specifically purchased) for any loss, damage or liability caused by flood, typhoon, hurricane,
storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil / earth or other
convulsions of nature.

For an additional premium, Your Policy can be extended to cover flood, typhoon, hurricane, storm, tempest,
volcanic eruption, earthquake, landslide, landslip, subsidence etc. ( Endorsement 57).

11. Contractual Liability

We will not pay for any liability that arises by virtue of an agreement but for which We would not have been liable in the
absence of such agreement.

12. Unauthorised Driver

We will not pay for any Incident, loss, damage or liability caused, sustained or incurred whilst Your Car, in respect of
which indemnity is provided by this Policy, is being driven by any person other than an Authorised Driver or person
driving on Your order or with Your permission.

Section E: Conditions - These apply to the whole Policy

This section spells out the terms and conditions that You must observe to ensure this insurance remains
effective. Basically these conditions are of three types:
• What You m u st do
• Wh at Y o u m u st n ot d o
• What W e c a n d o

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Conditions Precedent to Policy Liability
The following conditions are conditions precedent to Our liability to indemnify You under this Policy and have to be observed
by You strictly. We can repudiate this Policy and / or will not pay claims under the Policy if You breach any of the relevant
conditions. These conditions also apply to Your Authorised Driver and any legal representative who seek indemnity under
this Policy.

1. Duty of Disclosure

The duty of disclosure is different for a Consumer Insurance Contract and for a Non-Consumer Insurance Contract. They
are separately outlined below:

A. Consumer Insurance Contract

Where You have applied for this insurance wholly for purposes unrelated to Your trade, business or profession, You had
a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or
when You applied for this insurance) i.e. You should have answered the questions fully and accurately. Failure to have
taken reasonable care in answering the questions may result in avoidance of Your contract of insurance, refusal or
reduction of Your claim(s), change of terms or termination of Your contract of insurance in accordance with Schedule
9 of the Financial Services Act 2013. You were also required to disclose any other matter that You knew to be relevant
to Our decision in accepting the risks and determining the rates and terms to be applied.

You also have a duty to tell Us immediately if at any time after Your contract of insurance has been entered into, varied
or renewed with Us, any of the information given in the Proposal Form (or when You applied for this insurance) is
inaccurate or has changed.

B. Non-Consumer Insurance Contract

Where You have applied for this insurance for purposes related to Your trade, business or profession, You had a duty
to disclose any matter that You know to be relevant to Our decision in accepting the risks and determining the rates
and terms to be applied, and any matter a reasonable person in the circumstances could be expected to know to be
relevant, otherwise it may result in avoidance of Your contract of insurance, refusal or reduction of Your claim(s),
change of terms or termination of Your contract of insurance.

You also have a duty to tell Us immediately if at any time after Your contract of insurance has been entered into, varied
or renewed with Us, any of the information given in the Proposal Form (or when You applied for this insurance) is
inaccurate or has changed.

2. Accidents and Claims Procedures

If Your Car is involved in any Incident that could lead to a claim under this Policy, You must do the following:
a. Notify Our claims department of the Incident and get a Claim Form. You must notify Us of the Incident as soon as
possible but in any event:

• Within seven (7) days if You are not physically disabled or hospitalised following the Incident; or
• Within thirty (30) days or as soon as practicable if You are physically disabled and hospitalised as a result of the
Incident.

We may allow a longer notification period if You can provide specific proof and justification for the delay.

b. Report the Incident to the police as required by law and do all that is required to assist the police authorities to
secure a conviction against the offender.

c. Complete the Claim Form in full and return it to Us within twenty-one (21) days from the date of Your notification
as per (a) above. You are required to answer all the questions in detail in all applicable sections and provide Us with
all the necessary documents to support Your claim. We will not be held responsible if there is any delay on Your
part to submit the Claim Form duly completed together with all the necessary documents.

A longer claims submission period may be allowed by Us subject to specific proof and justification by You for the
delay.

d. If there are any claims made against You by a third party, You must immediately notify Us of the same and You
must send to Us any notification of claim, notice of impending prosecution or inquest, summons, writ or any letters
from the solicitors of the third party as soon as You receive such documents, but in any event within fourteen (14)
days from the date of receipt of any of the documents.

e. Send Your Car to any of Our approved Repairer so that We can inspect Your Car before We give approval to proceed
with repairs or take reasonable action to safeguard Your Car from further loss or damage. We can refuse to pay any
claim under Section A of this Policy if You breach this condition.

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 f. You must obtain Our consent in writing before You repair Your Car or incur any expenses in connection with a claim
under this Policy.

You must not do any of the following:

• Admit any responsibility for any Incident; or

• Negotiate or settle any claims made against You by a third party, unless We write and inform You that You can.

We will decide whether to negotiate, defend or settle, in Your name, Your Authorised Driver’s name and / or on Your
behalf, any claims made against You or Your Authorised Driver by a third party. If in Our assessment the third party
claim made against You or Your Authorised Driver for property damage will exceed the limit of liability of RM3 million,
We will pay the full amount of Our liability to You or the third party and hand over the further conduct of any defence,
settlement or proceeding to You completely. After doing so We will not be liable under this Policy to make any more
payments to You or any claimant or any other person arising from the same Incident.

The conditions above also apply to anyone else who wishes to claim under the terms and conditions of this Policy.
“Anyone else” may refer to personal representative or administrator / estate of the policyholder.

3. Cancellation
Either You or We may cancel this Policy at any time during the Period of Insurance.

a. Cancellation by You:
• You can cancel this Policy at any time by returning the Certificate of Insurance (CI) to Us or, if the CI has been
lost or destroyed, You must provide Us with a duly certified Statutory Declaration (SD) to confirm this.
• After returning the CI or SD You will be entitled to a refund of premium if no claim was incurred prior to
cancellation. Your refund will be the difference between the total premium and Our customary short-period
rates calculated for the time We were on risk until the date We received the CI or SD:
Period of Insurance Refund of Premium
Not exceeding 1 week 87.5% of the total premium
Not exceeding 1 month 75.0% of the total premium
Not exceeding 2 months 62.5% of the total premium
Not exceeding 3 months 50.0% of the total premium
Not exceeding 4 months 37.5% of the total premium
Not exceeding 6 months 25.0% of the total premium
Not exceeding 8 months 12.5% of the total premium
Exceeding 8 months No refund of premium allowed

• The Policy will automatically lapse once You sell or dispose off Your Car because Your insurable interest in the
Car will cease. If You want to transfer the Policy to the new buyer, You have to get Our prior consent.

b. Cancellation by Us:

• We may also cancel this Policy by giving You fourteen (14) days notice in writing by registered post to Your last
address known to Us.
• After returning the CI or SD You will be entitled to a refund premium for the unexpired period calculated on a
pro-rata basis from the date We receive the CI or SD from You to the expiry date of the Policy.

There will not be any refund of premium for any cancellation of Policy (either by You or by Us) if You have paid the
Minimum Premium only or if a claim has been made on this Policy.

4. If there is More Than One Insurance Covering the Same Car

a. You must inform Us in writing if You have taken out any other insurance in respect of Your Car during the Period
of Insurance.
b. If a claim arises under this Policy and such a loss is also claimable under the other insurance policy(ies) taken by
You, We will only contribute Our rateable proportion of the whole loss. We will not be liable to pay the claim first
and then seek recovery from the other co-insurers who is / are also liable for the loss.

5. Subrogation
We are entitled to take over all rights and remedies that You may have against any third party who caused the loss. We
shall have the absolute discretion in the conduct of any proceedings, at Our own costs, against the third party and in
the settlement of any such claim and You shall give Us such information and assistance as We may require from time to
time including assigning all rights to take action in Your name. You must however give Us Your full cooperation to
protect these rights and provide all assistance and take such steps as We require.

6. Dispute Resolution
If there are differences or disputes on any matters relating to this Policy involving amounts exceeding RM250,000, an
Arbitrator shall be jointly appointed by You and Us in writing to resolve the differences or disputes. If no agreement is
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 reached on who is to be the Arbitrator within one month of being required to do so then You and We shall be entitled
to appoint an Arbitrator each. Both Arbitrators shall then proceed to hear the difference or dispute together with an
Umpire to be jointly appointed by them. If the Arbitrators cannot agree on an Umpire within thirty (30) days, then the
Kuala Lumpur Regional Centre for Arbitration shall appoint an Umpire.

If the disputed sum is less than RM250,000, You may refer the matter to the Ombudsman for Financial Services to
resolve the dispute.

7. Other Matters
We will only be liable to indemnify You under this Policy if You:
a. Comply with all the terms and conditions of this Policy. These conditions are also applicable to Your Authorised
Driver and any legal representative who seek protection under this Policy;

b. Maintain Your Car in a reasonably efficient and roadworthy condition. You must get Our consent if You make any
modification that will enhance or in any way affect the performance of Your Car;

c. Take reasonable care to avoid any situation that could result in a claim. This Policy will not cover You if You or Your
Authorised Driver are reckless i.e. where You recognise a serious risk but deliberately do not take steps to prevent
it. This includes but is not limited to leaving Your Car unattended while unlocked or with ignition keys left in or on
Your Car; and

d. Make Your Car available to Us for inspection at all reasonable times upon request.

8. Prevalent Policy Wording

For avoidance of doubt, the English version of this Policy wording will prevail over the Bahasa Malaysia version at all
times.

Section F: Definitions of words highlighted in the Policy

This section explains what We mean by the words printed in bold in this Policy.

In this Policy, Schedule and Certificate of Insurance, unless the context otherwise requires, the following words shall have
the meanings as defined below.

1. Accessories
This refers to the standard factory-fitted tools of the Car including air-conditioners and spare tyres and may include
radio / cassette player / compact disc player and the like if specified in the Schedule.

2. Act of Terrorism
This refers to an act by any person(s) or group that uses force or violence and / or the threat of force or violence,
whether they are acting alone or on behalf of or in connection with any organisation(s) or government(s) and done for
political, religious, ideological, ethnic or similar purposes or reasons, including the intention to influence any
government and / or to put the public, or any section of the public, in fear.

3. Adjuster
This refers to a person or entity registered under the Financial Services Act 2013 who is appointed by Us to investigate
the cause and circumstances of a loss and to determine the amount of loss.

4. Authorised Driver
This refers to any person who drives Your Car with Your consent or permission provided he or she holds a valid driving
licence of the relevant type and is not disqualified to drive by law or for any other reason.

5. Car
This refers to the motor vehicle described in the Schedule and includes the manufacturer’s standard options and
Accessories fitted to it and any other non-standard options or descriptions that are specifically listed in the Schedule.

6. Certificate of Insurance
This certificate is a prescribed form that We are required to issue to You under the Road Transport Act 1987 and it
outlines the particulars of any conditions subject to which the Policy is issued.

7. Cheating
This follows the meaning as defined under Section 415 of the Penal Code which is as follows:
Whoever by deceiving any person, whether or not such deception was the sole or main inducement:
a. fraudulently or dishonestly induces the person so deceived to deliver any property to any person, or to consent that
any person shall retain any property; or
b. intentionally induces the person so deceived to do or omit to do anything which he would not do or omit to do if he
were not so deceived and which act or omission causes or is likely to cause damage or harm to any person in body,
mind, reputation, or property,
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 is said to “cheat”.

8. Criminal Breach of Trust

This follows the meaning as defined under Section 405 of the Penal Code which is as follows:
Whoever, being in any manner entrusted with property, or with any dominion over property either solely or jointly with
any other person, dishonestly misappropriates, or converts to his own use, that property, or dishonestly uses or disposes
of that property in violation of any direction of law prescribing the mode in which such trust is to be discharged, or of
any legal contract, express or implied, which he has made touching the discharge of such trust, or wilfully suffers any
other person so to do, commits “criminal breach of trust”.

9. Endorsement
This refers to the document that We issue to You to confirm any changes or extensions of the coverage to the basic
Policy.

10. Excess
This refers to the amount that must be borne by You first for each claim. The amount of the excess is shown in the
Schedule. You have to pay the excess irrespective of who is at fault in the Incident.

11. Financial Markets Ombudsman Service (FMOS)

This is an independent body that provides a free and efficient avenue to help settle financial disputes between You and
Us under this Policy as an alternative to the courts.

12. Household
This refers to all members of Your or Your Authorised Driver’s immediate family i.e. spouse, children including legally
adopted children, parents, brother(s) and sister(s) staying under one roof with You in the case of Your immediate
family, or with Your Authorised Driver, in the case of his immediate family.

13. Incident
Any event which could lead to a claim under this Policy.

14. Limitations as to Use

According to Your Certificate of Insurance (CI), Your Car can only be used for “Social, domestic and pleasure purposes
and for the policyholder's business”. The CI also states that “The Policy does not cover use for hire or reward, racing,
pacemaking, reliability, trial speed-testing, the carriage of goods other than samples in connection with any trade or
business”.

15. Market Value

This refers to the reasonable cost to buy another car of the same make, model, age and general condition similar to
Your Car at the time of loss. The Market Value of Your Car at the time of loss would be determined according to the
terms of the option that You had chosen at the time You purchased this Policy. If You had opted for a Market Valuation
System to determine Your Sum Insured then the Market Value would be based on that valuation system as described
in clause 15 below. However, if You had not opted for a Market Valuation System then the Market Value of Your Car
in the event of dispute would be determined by the Head Office of the Car franchise-holder and this value should be
equal to the cost of purchasing a replacement car of the same make, model and age of Your Car at the time of loss. If
this valuation is not available or appears in Our opinion to be unduly low or high then valuation will be determined by
an Adjuster registered under the Financial Services Act 2013, agreed by both You and Us.

16. Market Valuation System

This refers to the motor vehicle Market Valuation System approved by Persatuan Insurans Am Malaysia (PIAM) to
determine the Market Value of Your Car at the time You purchased / renewed this Policy as well as at the time of the
loss. You can opt to use the valuation recommended by this system as the Sum Insured to avoid the consequences of
under-insurance as described in Section A2e. Alternatively, You may choose to determine the Sum Insured Yourself but
You would be subject to Section A2e if You are under-insured.

17. Minimum Premium

The minimal premium described in the Schedule.

18. Named Driver

This refers to the persons named in the Policy who are authorised by You to drive Your Car. The compulsory excess of
RM400 stated in Section A2g will not apply if Your Car is driven by a Named Driver provided they hold a valid full driving
licence of the relevant type and are not disqualified to drive by law or for any other reason and are above the age of 21
years at the time of the Incident.

19. Period of Insurance

The period shown in the Schedule when the cover provided by this Policy is operative. Cover is only valid from the
actual time of purchase of the insurance Policy or from when You and We agree that cover should commence.

20. Policy
Policy includes the Schedule, the Certificate of Insurance and all Endorsements specifically listed in the Schedule.

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21. Repairer
This refers to motor repair workshops approved by Us or by Persatuan Insurans Am Malaysia (PIAM) under the PIAM
Approved Repairers Scheme (PARS) or any repairer that We have given You a special permission to use, for a claim.

22. Road
Section 2 of the Road Transport Act 1987 defines “Road” as “any public road and any other road to which the public has
access and includes bridges, tunnels, lay-bys, ferry facilities, interchanges, round-abouts, traffic islands, road dividers,
all traffic lanes, sidetables, median strips, overpasses, underpasses, approaches, entrance and exit ramps, toll plazas,
service areas, and other structures and fixtures to fully effect its use”.

23. Schedule
This document shows Your name and address, the Period of Insurance, the sections of this Policy which apply, the
premium You have paid, the Car which is insured, the Sum Insured and details of any extensions or Endorsements.

24. Sum Insured

This is the maximum that We will pay You for a claim under Section A. This amount is shown in the Schedule. The Sum
Insured must be sufficient to cover the cost to replace Your Car in the event of an Incident that completely destroys
it.

25. We, Our, Us

This refers to the licensed Insurance Company that is issuing You this Policy.

26. You, Your, Yourself

This refers to the policyholder or person described in the Schedule as “the Insured”.

Section G: Endorsements - applicable only if the Endorsement number is printed in the Schedule

The following is a list of additional terms and conditions (known as Endorsements) that We may impose on You or
optional covers available that You may want to add to Your basic Policy by paying additional premium. Note that only
Endorsements with their numbers specifically printed in the Schedule shall apply to this Policy.

Endorsement 1: Excess All Claims (please see page 4 for explanation and page 15 for definition)
The Excess amount shown in the Schedule is the amount that You have to pay for each and every claim under Section
A arising out of one Incident. This means that We have the right to deduct the Excess from the amount that We
would otherwise have to pay. If We are not able to deduct the Excess, We have the right to demand that You pay
Us the Excess first, before We make any payment.

We will not deduct this Excess for loss or damage in respect of third party claims.

Endorsement 2: Excess Damage Claim (please see page 4 for explanation and page 15 for definition)
The Excess amount shown in the Schedule is the amount that You have to pay for each and every claim under Section
A arising out of one Incident. This means that We have the right to deduct the Excess from the amount that We
would otherwise have to pay. If We cannot deduct the Excess, We have the right to demand that You pay Us the
Excess first, before We make any payment.

We will not deduct this Excess if the loss or damage is caused by fire, explosion, lightning, burglary, housebreaking,
theft, third party property damage or bodily injury claims.

Endorsement 3(p): Third Party Only Insurance (please see page 2 - “What is Covered?”)
The cover that You have chosen for Your Car is limited to ‘Third Party’ insurance only. This means that We will not
pay for any loss or damage to Your Car. For that reason Section A is deleted and only Section B coverage has been
purchased and is available to You.

Endorsement 3(q): Third Party, Fire and Theft Insurance (please see page 2 - “What is Covered?”)
The cover that You have chosen for Your Car is called ‘Third Party, Fire and Theft’ insurance. This means that the
cover provided to Your Car under Section A is limited to any loss or damage caused by fire, explosion, lightning,
burglary, housebreaking or theft only. For that reason all the remaining covers under Section A1a are deleted and
Section B coverage has been purchased and is available to You.

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Endorsement 14: Transfer of Interest
In consideration of the additional premium that You paid Us for this endorsement, We agree to transfer the interest
in this Policy on [state date] to [state name of transferee and NRIC No. / Business Registration No.] of [state address]
carrying on or engaging in the business or profession of whose proposal and declaration dated [state
date] shall be the basis of this contract.

Subject otherwise to the terms and conditions of this Policy.

Endorsement 15: Hire Purchase

We note that Your Car is under a Hire Purchase agreement with the Hire Purchase company named in the Schedule
as the Owners. You unconditionally agree that the payment of any claim under Section A by Us by way of a cash
payment shall be made to the Owners as long as they remain as the Owner of Your Car at the time of the Incident.
The receipt from the Owners will fully discharge Us from any further claims or liability in respect of such loss or
damage. For all other purposes You are the principal party under this Policy and not an agent or trustee for the
Owners and that You have not assigned Your rights, benefits and claims under this Policy to the Owners. You cannot
assign Your rights, benefits and claims under this Policy to anybody without Our written consent.

Endorsement 15(a): Employer’s Loan

We note that Your Car was bought under an Employer’s Loan agreement. You unconditionally agree that the payment
of any claim under Section A by Us by way of a cash payment shall be made to the Employer named in the Schedule
as long as the loan remains outstanding at the time of the Incident giving rise to a claim. The receipt from the
Employer will fully discharge Us from any further claims or liability in respect of the Incident.

Other than the above, Our / Your rights and liabilities under this Policy are not affected.

Endorsement 22: Caravan / Luggage / Boat Trailers

In consideration of the additional premium that You paid Us for this endorsement, We agree to cover Caravan or
Luggage or Boat Trailer that is specified in the Schedule under the heading ‘Endorsement 22’ while it is being used
together with Your Car.

This endorsement does not cover:

a. legal liability for death or bodily injury to any passenger in the specified Caravan / Luggage / Boat Trailer unless
such person is being carried by reason of or in pursuance of a contract of employment;
b. loss or damage to the contents of or anything being carried in the specified Caravan / Luggage / Boat Trailer;
and
c. loss or damage to the Boat being carried by the specified Trailer.

The maximum amount that We will pay for loss or damage to the specified Caravan / Luggage / Boat Trailer under
Section A for this endorsement is the amount mentioned in the Schedule under the heading ‘Endorsement 22’.

Endorsement 24(c): Reliability Trials, Competitions etc.

In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance
provided under this Policy shall cover Your Car while it is being used for [state either reliability trials, competition]
to be held at [state place / location] on [state date] organized by [state name of organizer] including officially
conducted practice for the event.

Endorsement 24(d): Reliability Trials, Competitions etc. (Third Party Cover Only)
In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance
provided under Section B of this Policy shall cover legal liability while Your Car is being used for [state either
reliability trials, competition] to be held at [state place / location] on [state date] organized by [state name of
organizer] including officially conducted practice for the event.

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Endorsement 25: Strike, Riot and Civil Commotion

In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance
provided under Section A of this Policy shall cover loss or damage to Your Car caused by:

a. the wilful act of any striker or locked out worker to further a strike or to resist a lock out;
b. the act of any person taking part together with others in disturbance of the public peace (whether in connection
with a strike or lock out or not); and
c. the action of any lawfully constituted authority in preventing, suppressing or attempting to prevent or suppress
any of these acts or in minimising the consequences of them.

This endorsement does not cover:

a. civil war, war, invasion or acts of foreign enemy hostilities or warlike operations (whether war is declared or not);
b. revolution, rebellion or civil disturbance amounting to a popular uprising; and
c. Act of Terrorism.

It also does not cover any loss, damage or liability directly or indirectly, proximately or remotely caused by or
contributed to or traceable to or arising out of or in connection with the above stated exceptions.

Endorsement 57: Inclusion of Special Perils

In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance
provided under Section A of this Policy will cover loss or damage to Your Car caused by flood, typhoon, hurricane,
storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil / earth or other
convulsions of nature.

Endorsement 72: Legal Liability of Passengers for Negligent Acts

In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance
provided under Section B of this Policy will include legal liability incurred by any passenger in Your Car on condition
that the passenger:

a. is not driving Your Car;

b. is not entitled to indemnity under any other policy of insurance which cover legal liability as provided under this
endorsement; and
c. complies with all the terms and conditions of this Policy as though he was You.

This endorsement does not cover:

a. death or bodily injury to any person who is employed by You or the passenger, and who dies or is injured in the
course of such employment;
b. damage to any property that belongs to or is held in trust or in the custody or control of You or the passenger or
which is being carried in Your Car; and / or
c. death or bodily injury to the driver or any other passenger travelling in Your Car at the same time.

Endorsement 87: Agreed Value Clause

The Agreed Value shown in the Schedule is the maximum amount that We will pay for Your Car, less any Excess (if
applicable) if Your Car is stolen or totally destroyed.

We and You have agreed at the commencement of this Policy to use this value as the basis of settlement provided
We are liable to pay for such loss or destruction under the terms and conditions of this Policy. The Market Value of
Your Car at the time of the loss will not be taken into account.

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Endorsement 89: Cover for Windscreens, Windows and Sunroof
In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance
provided under Section A of this Policy will cover the cost to replace or repair any glass in the windscreen, window
or sunroof of Your Car that is accidentally damaged including the cost of lamination / tinting film (if any) provided
no other claim is submitted for this Incident. The maximum amount that We will pay under this endorsement is the
amount mentioned in the Schedule under the heading ‘Endorsement 89’.

If Your claim is for the damaged glass only and no other damage, We will not deduct any Excess, and You will not
lose Your No Claim Discount entitlement.

If the damaged glass is replaced, the cover provided by this endorsement comes to an end as soon as the glass is
replaced. If You wish to enjoy continued coverage You must buy a new endorsement cover and pay the additional
premium to Us.

Alternatively if the damaged glass is repaired this cover will continue but the limit of the amount payable will be
reduced by the amount of the repair cost. To restore the cover to the original limit You must pay the additional
premium to Us for the increased cover.
We have the final say on whether to repair or to replace the damaged glass.

Endorsement 95: Leasing Agreement

We note that Your Car is under a Leasing Agreement with the Leasing company named in the Schedule as the Lessors.
You unconditionally agree that the payment of any claim under Section A by Us by way of a cash payment shall be
made to the Lessors as long as the Leasing Agreement remains valid at the time of the Incident. The receipt from
the Lessors will fully discharge Us from any further claims or liability in respect of such loss or damage. For all other
purposes, You are the principal party under this Policy and not as an agent or trustee for the Lessors and You have
not assigned Your rights, benefits and claims under this Policy to the Lessors. You cannot assign Your rights, benefits
and claims under this Policy without Our written consent.

Endorsement 97: Separate Cover for Accessories fixed to Your Car

In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance
provided under Section A of this Policy shall cover the non-standard Accessories specified in the Schedule. The
maximum amount that We will pay under this endorsement is the amount mentioned in the said Schedule under the
heading ‘Endorsement 97’.

If Your claim is for the Accessories only and no other damages, We will not deduct any Excess and You will not lose
Your No Claim Discount entitlement.

This cover is terminated on the date Your claim is settled under this endorsement. To restore this cover You must
pay the additional premium to Us for the renewed cover.

Endorsement 97(a): Gas Conversion Kit and Tank

In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance
provided under Section A of this Policy shall cover loss or damage to the Gas Conversion Kit and Tank of Your Car as
a separate item provided it is installed by a qualified installer. The maximum amount that We will pay under this
endorsement is the amount mentioned in the Schedule under the heading ‘Endorsement 97(a)’.

If Your claim is for the Gas Conversion Kit and Tank only and no other damage, We will not deduct any Excess and
You will not lose Your No Claim Discount entitlement.

This cover is terminated on the date Your claim is settled under this endorsement. To restore this cover You must
pay the additional premium to Us for the renewed cover.

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Endorsement 100: Legal Liability to Passengers
In consideration of the additional premium that You paid Us for this endorsement, We shall pay towards You or Your
Authorised Driver’s liability to any person being carried in or upon or entering or getting into or onto or alighting
from Your Car except for:

a. death or bodily injury to any passenger being carried for hire or reward;

b. death or bodily injury to any person where such death or injury arises out of and in the course of the employment
of such person by You or by Your Authorised Driver;

c. damage to property belonging to or in the custody of or control of or held in trust by You or Your Authorised
Driver and / or any member of Your or Your Authorised Driver’s Household;

d. liability to any person who is a member of Your and / or Your Authorised Driver’s Household who is a passenger
in Your Car unless he / she is required to be carried in or on Your Car by reason of or in pursuance of his / her
contract of employment with You or Your Authorised Driver and / or his / her employer;

e. liability caused by a passenger travelling in or alighting from Your Car;

f. any claims brought against You by any driver of Your Car, whether authorised or not;

g. any claims brought against any person in any country in courts outside Malaysia, the Republic of Singapore or
Negara Brunei Darussalam; and / or

h. all legal costs and expenses which are not incurred in or recoverable in Malaysia, the Republic of Singapore and
Negara Brunei Darussalam.

Condition of Cover
If at the time of Incident giving rise to a claim under this endorsement, Your Car is carrying passengers in excess of
the stated maximum number permitted by law, Our liability shall be limited to the number of passengers specified
for the vehicle as registered at the Road Transport Department.

If the number of passengers carried at the time of the happening of an Incident is more than the maximum number
permitted in the vehicle by law, We will not pay their claim in full. Any payment We make to any claimant under this
endorsement will be rateably reduced in the proportion of the legally permitted maximum number of lawful
passengers over the actual number of passengers carried, at the time of the Incident. The difference between the
sum paid by Us and the claim to be paid to each passenger claimant shall be borne by You or Your Authorised Driver.
The proportion We pay shall be calculated in accordance with the following formula:

______Number of passengers permitted by law______ X Total Claim Awarded

Actual number of passengers carried at time of Incident

Endorsement 101: Extension of Cover to the Kingdom of Thailand

In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance
provided under Section A and Section B1a(ii) of this Policy shall cover Your Car while it is being used in the Kingdom
of Thailand from the time of purchase on [state date] to midnight (Malaysian Standard Time) on [state date]. The
limit of liability that We provide under Section B1a(ii) will be up to a maximum of RM100,000 only.

This endorsement does not cover legal liability under Section B1a(i) while Your Car is being used in the Kingdom of
Thailand.

Endorsement 102: Extension of Cover to Kalimantan

In consideration of the payment of additional premium by You to Us, the geographical area of this Policy is extended
to include Kalimantan with effect from ______ a.m. / p.m. on [state date] to midnight (Malaysian Standard Time) on
[state date] subject to the limit of liability of RM50,000 under Section B1a(i) and B1a(ii).

Subject otherwise to the terms and conditions of this Policy.

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Endorsement 105: Limits of Liability for Third Party Property Damage (TPPD)
In consideration of the additional premium that You paid Us for this endorsement, We agree to increase the limit of
liability provided under Section B2(ii) of this Policy to RM [state new limit] with effect from [state date].

Limits of liability in excess of RM3 million up to RM20 million is allowed subject to additional premium stated as
below:-

TPPD limits of Liability

From RM3 million up to RM4 million - 15% of Third Party Premium

Up to RM6 million - 30% of Third Party Premium
Up to RM10 million - 45% of Third Party Premium
Up to RM20 million - 60% of Third Party Premium

Endorsement 109: Extension of Cover for Ferry Transit to and / or from Sabah and the Federal Territory of Labuan
In consideration of the additional premium that You paid Us for this endorsement, We agree that the insurance
provided under Section A of this Policy shall cover loss or damage to Your Car when in transit to and / or from Sabah
and Federal Territory of Labuan.

You must bear the first 1% of the Sum Insured or RM500 (whichever is higher) for each and every claim arising out of
one transit for every claim payable under this endorsement. We have the right to deduct this amount in addition to
the Excess mentioned in the Schedule of this Policy.

Endorsement 111: Current Year “NCD” Relief (only applicable to Comprehensive Private Car Policy)
In consideration of the additional premium that You paid Us for this endorsement, We agree to compensate you the
No Claim Discount that You may forfeit due to a claim being made under this Policy. The amount is equal to Your No
Claim Discount entitlement shown in the Schedule of this Policy for the current Period of Insurance.

The cover provided under this endorsement is terminated automatically when:

a. We make a payment for a claim under this endorsement;

b. the ownership of this Policy is transferred to another party; or

c. You withdraw Your No Claim Discount entitlement from this Policy.

We will not refund any portion of the additional premium that You paid to Us if the cover under this endorsement is
terminated as mentioned above or if You cancel this endorsement at any time.

Endorsement 112: Compensation for Assessed Repair Time (CART)

In consideration of the additional premium that You paid Us for this endorsement, We will pay compensation for the
number of days assessed by Us as required to repair Your Car under Section A of this Policy (‘the assessed repair
time’). We agree that payment will be based on the assessed repair time by the Adjuster or the maximum amount
provided in the Schedule whichever is the lesser.
The maximum rate per day and the maximum number of days that We will pay under this endorsement is limited to
the amounts mentioned in the Schedule under the heading ‘Endorsement 112’.
For any claim that We agree to pay under this endorsement We will not deduct any Excess and You will not lose Your
No Claim Discount entitlement.

We will not pay:

a. if Your claim is only for breakage of glass that is payable under Endorsement 89;
b. for any delay in the time taken to repair Your Car beyond the assessed repair time. The final decision on the time
required to repair Your Car will be decided by Us irrespective of whether Your claim is lodged directly with Us or
against a third party;
c. if Your claim is for theft or total loss of Your Car; or
d. if Your claim is under a BER process.

We will not refund any portion of the additional premium that You paid Us if You cancel this endorsement at any
time.

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Endorsement 113: Reference to Motor Vehicle Market Valuation System

This refers to the motor vehicle Market Valuation System approved by Persatuan Insurans Am Malaysia (PIAM) to
determine the Sum Insured of Your Car at the time You purchased / renewed this Policy as well as the Market
Value at the time of the loss.

When a claim is made, the Market Value of Your Car would be determined by the ISM Automotive Business Intelligence
System and this value would be accepted as the cost of purchasing a replacement car of the same make, model and
age of Your Car at the time of loss.

If no Market Value is available from the ISM Automotive Business Intelligence System for Your Car, the Market Value
of the Car would be determined by an Adjuster, agreed to by both You and Us.

The valuation done by the ISM Automotive Business Intelligence System or Adjuster will be conclusive evidence in
respect of the Market Value of Your Car in any legal proceedings against Us.

Subject otherwise to the terms and conditions of this Policy.

D529 Major Motor Medical – Private Car (Non-Tariff)

In consideration of the additional premium that You paid Us for this endorsement, in the event if the policyholder is
hospitalised due to accident involving the named vehicle as described in the Schedule, we agree to pay you a lump sum
daily allowance during the hospitalisation period.

The daily allowance will be based on the plan type described in the Schedule.

Plan Type / Sum Insured

Benefits Plan 1 Plan 2 Plan 3
Accidental Daily Hospital Allowance
RM50 RM100 RM200
(maximum 60 days per accident)
Accidental Daily ICU or HDU Allowance
RM100 RM200 RM400
(maximum 30 days per accident

In the event of accident:

(a) A police report must be submitted to Us as proof of accident.

(b) Copies of hospital bills must be submitted to us as proof of period of hospitalisation within 30 days after
discharge.

Mid-term cancellation of this endorsement is not allowed unless the cancellation is effected together with the cancellation
of this Policy.

Any claim under this endorsement shall not affect your NCD entitlement.

Definitions

Accidental Daily Hospital Allowance – A lump sum daily amount is payable if you require confinement and treatment in
a hospital due to an accident involving the named vehicle in the Schedule. The maximum claim per accident is 60 days.

Accidental Daily ICU/HDU Allowance – A lump sum daily amount is payable if you require confinement and treatment in
a hospital in the Intensive Care or High Dependency Unit due to an accident involving the named vehicle in the Schedule.
The maximum claim per accident is 30 days. A claim under this benefit will not be entitled to a payout under Accidental
Daily Hospital Allowance.

Hospitalization – Admission to a hospital as a registered bed patient for medically necessary treatment of a motor accident
upon recommendation of a physician. Admission to the hospital must be made within 2 days from the date of the accident.
A patient shall not be considered as a bed-paying patient if the patient does not physically stay in the hospital for the
whole period of confinement. Upon discharged from hospital, any subsequent confinement for the same accidental injury
shall not be covered by the policy.

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 (Applicable to Comprehensive Cover only)

D560 MA24 (Non-Tariff)

(A) Waiver of Compulsory Excess for Unnamed Driver (Non-Tariff)

We agree to waive the Compulsory Excess of RM400 as stated under Section A 2.g, if You or the person driving Your Car
with Your consent is not named in the Schedule as a Named Driver.

However, this waiver shall not apply if You or the person driving Your Car with Your consent:
- is under 21 years old; or
- holds a Provisional (P) or Learner (L) driver’s licence.

Subject otherwise to the terms and conditions of this Policy.

(B) Flood Allowance (Non-Tariff)

In the event of Flood damage to your named vehicle specified in the policy, We will pay You an allowance as per the
specified benefit limit in the Schedule.

In the event of flood claim you must provide us:

a) Copy of Police Report; and
b) Photographs of the vehicle and/or any additional documents for verification.

Flood – refers to overflowing of the bank of a stream, lake or drainage system of water onto adjacent land as a result of
storm, tidal action and channel obstruction.

No reinstatement of coverage is allowed upon settlement of claim.

(C) Key Care (Non-Tariff)

In the event if the car key(s) to Your Car is/are lost, stolen or damaged due to theft or attempted theft, robbery or house
break-in, We will reimburse You the actual expenses incurred in replacing one (1) set of the said car key(s) up to the
amount specified in the Schedule for ONE (1) claim only during the Period of Insurance subject to a police report being
lodged within twenty four (24) hours of occurrence of the incident, a copy of the police report, the original repair
invoice(s) / receipt(s) for the expense(s) incurred and any other additional document(s) as We may require are submitted
to Us.

For the claim that We agree to reimburse under this endorsement only, We will not deduct any Excess and You will not
lose Your No Claim Discount entitlement.

This cover shall cease to be in force on the date Your claim is settled under this endorsement.

We do not cover:
a) loss or damage caused by theft or attempted theft if the key(s) (or keyless entry system) to Your Car is/are left
unsecured or unattended, or is/are left in or on Your Car whilst it is unattended; and
b) any claim for additional or duplicate key(s).

For purposes of this endorsement:

- Theft, robbery or house break-in shall be deemed to have occurred in the following situations:
a) where theft or house break-in is committed by way of actual forcible and violent entry; or
b) armed robbery or robbery with violence.

Subject otherwise to the terms and conditions of this Policy.

(D) Motor Personal Accident (Non-Tariff)

If during the Period of Insurance You, Your Authorised Driver and/or Your passenger(s) shall suffer bodily injury as
defined under benefits (1) and (2) as described below resulting solely and directly from an accident caused by violent
external and visible means whilst You, Your Authorised Driver and/or Your passenger(s) is driving, riding as a passenger
or whilst mounting into or dismounting from the named vehicle mentioned in the Schedule, then We shall pay to You,
Your Authorised Driver and/or Your passenger(s) or to You, Your Authorised Driver and/or Your passenger(s) legal
representative the sum stated under such benefit as payable in respect thereof provided that:-

1. Either the death or disablement benefit only shall be payable in respect of any one of You, Your Authorised Driver
and/or Your passenger(s) in connection with the same accident.

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 2. On the happening of an accident giving rise to a valid claim under Death Benefit or 100% Permanent Disablement
Benefit, this benefit shall thereafter cease to apply.
3. No sum shall be payable under this benefit unless death, Permanent Disablement or loss takes place within twelve
(12) calendar months from the date of the accident.
4. In the event that the actual number of persons traveling in the vehicle exceeds the seating capacity stated in the
Schedule, Our limit of liability per person shall be reduced proportionately to the actual number of persons.

Sum Insured (RM)

Benefits
per person
1. Accidental Death 15,000
2. Permanent Disablement
• Total and irrecoverable loss of all sight in both eyes;
• Total loss by physical severance at or above the wrist or ankle of both hands or
both feet or of one hand together with one foot; 15,000
• Total loss by physical severance at or above the wrist or ankle of one hand or one
foot together with the total and irrecoverable loss of all sight in one eye;
• Total Paralysis
• Total loss by physical severance at or above the wrist or ankle of one hand or one
foot;
• Total and irrecoverable loss of all sight in one eye or total and irrecoverable loss of 7,500
hearing in one ear;
• Total and irrecoverable loss of hearing of both ears;
• Loss of speech

(Applicable to Comprehensive Cover only)

D556 Cover for Private Electric Charger and Charging Cable (Non-Tariff)

We will cover loss of or accidental damage to the Private Electric Charger and Charging Cable that has been installed in
Your own residence as specified in the Schedule due to Fire, Theft (must be due to violent and forcible entry), Lightning,
Explosion, Hurricane, Cyclone, Typhoon, Windstorm, Earthquake, Flood, Aircraft and aerial devices or articles dropped
therefrom, Impact damage by road vehicles, Bursting or overflowing of water tanks, apparatus or pipes during the Period
of Insurance.

We will reimburse the actual expenses incurred to repair or replace the Private Electric Charger and Charging Cable up
to the limit as per specified in the Schedule subject to the following conditions:

1. A copy of the police report being lodged within twenty-four (24) hours of the occurrence of the incident,
2. Original repair invoice(s) / receipt(s) for the cost that is being incurred.

Exclusions

This benefit does not provide coverage under any of the following circumstances:

1. Any damage or malfunction directly or indirectly caused by, due to, or resulting from, normal wear or tear,
abuse, misuse, negligence, accident, lack of or improper use, maintenance, storage or transport;
2. Damage/repair covered under manufacturer’s warranty;
3. Failure to follow the instructions, maintenance and warnings published in the documentation supplied with your
manufacturer connector or adapter;
4. External factors, including but not limited to, objects striking the Private Electric Charger and Charging Cable
connector or adapter, faulty or damaged electrical wiring, junction boxes, circuit breakers, receptacles or power
outlets;
5. General appearance or damage to paint, including chips, scratches, dents and cracks;
6. Failure to contact the manufacturer upon discovery of a defect of the Private Electric Charger and Charging
Cable by the Insured;
7. Any repair, alteration or modification to the Private Electric Charger and Charging Cable connector or adapter
or any part, or the installation or use of any parts or accessories, made by a person or facility not authorised or
certified to do so;
8. Lack of or improper repair or maintenance, including use of non-genuine of the manufacturer accessories or
parts;
9. Use for commercial purposes;
10. Any claims, direct or consequential, arising out of or resulting from the design, supply or manufacture of the
Private Electric Charger and Charging Cable, which caused and/or contributed to the damage;
11. Any loss, damage, injury or liability to any property and/or person caused by the Private Electric Charger and
Charging Cable whether during normal usage or faulty;
12. Any installation of Private Electric Charger that is against the residential regulation and rules; and
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 13. Any claims that are payable and/or covered under any other specific policy.

Private Electric Charger - any electric charging equipment supplied and manufactured by named vehicle manufacturer
and installed by their authorised installer at the residence address as specified in the Schedule under the Insured's
legitimate control as owner, licensee or tenant.

Private Charging Cable – any electric charging cable supplied and manufactured by named vehicle manufacturer.

Our total liability of this benefit shall not exceed the limit as per specified in the Schedule in each Period of Insurance
and reinstatement of this benefit is not allowed.

Any claim under this benefit shall not affect your NCD entitlement.

(Applicable to Comprehensive Cover only)

Any claim under this section shall not affect your NCD entitlement and will not deduct any Excess.

Private Cars

D561 Isuzu Insurance Pro (Non-Tariff)

(A) All Drivers (Non-Tariff)

We will cover You or Your Authorised Driver who is driving Your vehicle at no additional cost. The compulsory excess
for unnamed drivers under Section A2g is not applicable.

(B) Flood Allowance (Non-Tariff)

In the event of Flood damage to your named vehicle specified in the policy, We will pay You an allowance as per the
specified benefit limit in the Schedule.

In the event of flood claim you must provide us:

a) Copy of Police Report; and
b) Photographs of the vehicle and/or any additional documents for verification.

Flood – refers to overflowing of the bank of a stream, lake or drainage system of water onto adjacent land as a result of
storm, tidal action and channel obstruction.

No reinstatement of coverage is allowed upon settlement of claim.

(C) Key Care (Non-Tariff)

In the event if the car key(s) to Your Vehicle is/are lost, stolen or damaged due to theft or attempted theft, robbery or
house break-in, We will reimburse You the actual expenses incurred in replacing one (1) set of the said car key(s) up to
the amount specified in the Schedule for ONE (1) claim only during the Period of Insurance subject to a police report
being lodged within twenty four (24) hours of occurrence of the incident, a copy of the police report, the original repair
invoice(s) / receipt(s) for the expense(s) incurred and any other additional document(s) as We may require are submitted
to Us.

This cover shall cease to be in force on the date Your claim is settled under this endorsement.

We do not cover:
a) loss or damage caused by theft or attempted theft if the key(s) (or keyless entry system) to Your Vehicle is/are
left unsecured or unattended, or is/are left in or on Your Vehicle whilst it is unattended; and
b) any claim for additional or duplicate key(s).

For purposes of this endorsement:

- Theft, robbery or house break-in shall be deemed to have occurred in the following situations:
a) where theft or house break-in is committed by way of actual forcible and violent entry; or
b) armed robbery or robbery with violence.

Subject otherwise to the terms and conditions of this Policy.

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 (D) Motor Personal Accident (Non-Tariff)

If during the Period of Insurance You or Your Authorised Driver shall suffer bodily injury as defined under benefits (1)
and (2) as described below resulting solely and directly from an accident caused by violent external and visible means
whilst You or Your Authorised Driver is driving or whilst mounting into or dismounting from the named vehicle mentioned
in the Schedule, then We shall pay to You or Your Authorised Driver or to Your or Your Authorised Driver legal
representative the sum stated under such benefit as payable in respect thereof provided that:-

1. Either the death or disablement benefit only shall be payable in respect of any one of You or Your Authorised Driver
in connection with the same accident.
2. On the happening of an accident giving rise to a valid claim under Death Benefit or 100% Permanent Disablement
Benefit, this benefit shall thereafter cease to apply.
3. No sum shall be payable under this benefit unless death, Permanent Disablement or loss takes place within twelve
(12) calendar months from the date of the accident.
4. In the event You suffer bodily injury as defined under benefits (1) and (2) as a passenger in the named vehicle
mentioned in the Schedule, both You and Your Authorised Driver will be covered under benefits (1) and (2), and
Our limit of liability per person shall be reduced proportionately.

Benefits Sum Insured (RM)

1. Accidental Death 10,000
2. Permanent Disablement
• Total and irrecoverable loss of all sight in both eyes;
• Total loss by physical severance at or above the wrist or ankle of both hands or both
feet or of one hand together with one foot; 10,000
• Total loss by physical severance at or above the wrist or ankle of one hand or one
foot together with the total and irrecoverable loss of all sight in one eye;
• Total Paralysis

• Total loss by physical severance at or above the wrist or ankle of one hand or one
foot;
• Total and irrecoverable loss of all sight in one eye or total and irrecoverable loss of 5,000
hearing in one ear;
• Total and irrecoverable loss of hearing of both ears;
• Loss of speech

Commercial Vehicles

D562 Isuzu Insurance Pro (Non-Tariff)

(A) All Drivers (Non-Tariff)

We will cover You or Your Authorised Driver who is driving Your vehicle at no additional cost.

(B) Flood Allowance (Non-Tariff)

In the event of Flood damage to your named vehicle specified in the policy, We will pay You an allowance as per the
specified benefit limit in the Schedule.

In the event of flood claim you must provide us:

a) Copy of Police Report; and
b) Photographs of the vehicle and/or any additional documents for verification.

Flood – refers to overflowing of the bank of a stream, lake or drainage system of water onto adjacent land as a result of
storm, tidal action and channel obstruction.

No reinstatement of coverage is allowed upon settlement of claim.

(C) Key Care (Non-Tariff)

In the event if the car key(s) to Your Vehicle is/are lost, stolen or damaged due to theft or attempted theft, robbery or
house break-in, We will reimburse You the actual expenses incurred in replacing one (1) set of the said car key(s) up to
the amount specified in the Schedule for ONE (1) claim only during the Period of Insurance subject to a police report
being lodged within twenty four (24) hours of occurrence of the incident, a copy of the police report, the original repair

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DVG20325
 invoice(s) / receipt(s) for the expense(s) incurred and any other additional document(s) as We may require are submitted
to Us.

This cover shall cease to be in force on the date Your claim is settled under this endorsement.

We do not cover:
a) loss or damage caused by theft or attempted theft if the key(s) (or keyless entry system) to Your Vehicle is/are
left unsecured or unattended, or is/are left in or on Your Vehicle whilst it is unattended; and
b) any claim for additional or duplicate key(s).

For purposes of this endorsement:

- Theft, robbery or house break-in shall be deemed to have occurred in the following situations:
a) where theft or house break-in is committed by way of actual forcible and violent entry; or
b) armed robbery or robbery with violence.

Subject otherwise to the terms and conditions of this Policy.

(D) Motor Personal Accident (Non-Tariff)

If during the Period of Insurance You or Your Authorised Driver shall suffer bodily injury as defined under benefits (1)
and (2) as described below resulting solely and directly from an accident caused by violent external and visible means
whilst You or Your Authorised Driver is driving or whilst mounting into or dismounting from the named vehicle mentioned
in the Schedule, then We shall pay to You or Your Authorised Driver or to Your or Your Authorised Driver legal
representative the sum stated under such benefit as payable in respect thereof provided that:-

1. Either the death or disablement benefit only shall be payable in respect of any one of You or Your Authorised Driver
in connection with the same accident.
2. On the happening of an accident giving rise to a valid claim under Death Benefit or 100% Permanent Disablement
Benefit, this benefit shall thereafter cease to apply.
3. No sum shall be payable under this benefit unless death, Permanent Disablement or loss takes place within twelve
(12) calendar months from the date of the accident.

Benefits Sum Insured (RM)

1. Accidental Death 10,000
2. Permanent Disablement
• Total and irrecoverable loss of all sight in both eyes;
• Total loss by physical severance at or above the wrist or ankle of both hands or both
feet or of one hand together with one foot; 10,000
• Total loss by physical severance at or above the wrist or ankle of one hand or one
foot together with the total and irrecoverable loss of all sight in one eye;
• Total Paralysis

• Total loss by physical severance at or above the wrist or ankle of one hand or one
foot;
• Total and irrecoverable loss of all sight in one eye or total and irrecoverable loss of 5,000
hearing in one ear;
• Total and irrecoverable loss of hearing of both ears;
• Loss of speech

D530 DriveSafe PA Partner (Non-Tariff)

TABLE OF BENEFITS

Per Unit Benefit Limits

Benefits
per Insured Person (RM)
1 Accidental Death 25,000
subject to aggregate limit
of 200,000

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 2 Permanent Disablement
- Total and irrecoverable loss of all sight in both eyes; 25,000
- Total loss by physical severance at or above the wrist or ankle of both hands subject to aggregate limit
or both feet or of one hand together with one foot; of 200,000
- Total loss by physical severance at or above the wrist or ankle of one hand or
one foot together with the total and irrecoverable loss of all sight in one eye;
- Total Paralysis
- Total loss by physical severance at or above the wrist or ankle of one hand or 12,500
one foot; subject to aggregate limit
- Total and irrecoverable loss of all sight in one eye or total and irrecoverable of 200,000
loss of hearing in one ear;
- Total and irrecoverable loss of hearing of both ears;
3 Medical Expenses 3,000
4 Dental Correction and Corrective Cosmetic Surgery Benefit 3,000
5 Daily Hospital Income 100/day
subject to aggregate limit
of 15,000
6 Bereavement Allowance 6,000
7 Ambulance Fees 500

Where more than one (1) unit is insured, the level of compensation will be increased in direct proportion to the number
of units as stated in the Schedule.

Benefits 1 & 2 - Accidental Death and Permanent Disablement

If during the Period of Insurance Insured Person(s) shall suffer bodily injury as defined under benefits (1) and (2) as
described above resulting solely and directly from an accident caused by violent external and visible means whilst Insured
Person(s) is driving, riding as a passenger or whilst mounting into or dismounting from the Named Vehicle mentioned in
the Schedule, then We shall pay to Insured Person(s) or to Insured Person(s) legal representative the sum stated under
such benefit as payable in respect thereof provided that:-

1. Either the death or disablement benefit only shall be payable in respect of any one of Insured Person(s) in connection
with the same accident.
2. On the happening of an accident giving rise to a valid claim under Death Benefit or 100% Permanent Disablement
Benefit, this benefit shall thereafter cease to apply.
3. No sum shall be payable under this benefit unless death, Permanent Disablement or loss takes place within twelve
(12) calendar months from the date of the accident.
4. The total liability of the Company shall not in the aggregate exceed the aggregate limit stated in the Table of
Benefits during any one period of insurance.
5. In the event that the actual number of persons traveling in the vehicle exceeds the seating capacity stated in the
Schedule, Our limit of liability per person shall be reduced proportionately to the actual number of persons.
6. For death and permanent disablement benefits, the total claim payable for the total number of claimants is limited
to overall Policy limit. In the event the total claim payable exceeded the overall Policy limit, total claim payable
for the total number of claimants shall be proportionate in accordance to the overall Policy limit.
7. We will pay double the Sum Insured stated in the Table of Benefits for Death and Permanent Disablement arising
from accident whilst Insured Person(s) traveling in the Named Vehicle mentioned in the Schedule during Festive
Seasons, 2 days before and 2 days thereafter.

Festive Seasons – refers to first day of Chinese New Year, first day of Hari Raya Aidilfitri, Deepavali, Christmas, first
day of Hari Gawai Dayak and first day of Pesta Kaamatan in Malaysia.

Benefit 3 – Medical Expenses

We will pay to the Insured Person(s) the reasonable medical, Hospital or nursing home expenses incurred in connection
with any bodily injury by violent accidental external and visible means sustained by the Insured Person(s) as the direct
and immediate result of an accident to the Named Vehicle mentioned in the Schedule.

Compensation under this benefit shall only be payable if such medical or surgical treatment is rendered to the Insured
Person(s) by a qualified Medical Practitioner, provided that the first expense is incurred within twenty-six (26) weeks
after the date of accident. This benefit is only payable if the Insured Person(s) furnishes Us with original medical bills
issued by a qualified Medical Practitioner.

Benefit 4 – Dental Correction and Corrective Cosmetic Surgery Benefit

We will reimburse the actual expenses incurred by the Insured Person(s) up to the amount stated in the Table of Benefits
for Dental Correction and Corrective Cosmetic Surgery performed on the Insured Person(s)’s neck, head or chest (navel
up) following injuries sustained as a result of an accident to the Named Vehicle mentioned in the Schedule, provided
that such Corrective Cosmetic Surgery is recommended and performed by a licensed Orthodontist or Cosmetic Surgeon.
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 Benefit 5 – Daily Hospital Income

We will pay a lump sum daily allowance of RM 100 to each of Insured Person(s) during the period of Hospitalisation, in
the event if Insured Person(s) are hospitalized due to accident involving the Named Vehicle as described in the Schedule.

The total liability to the Company shall not exceed the aggregate limit stated in the Table of Benefits during the period
of insurance.

Hospitalisation – Admission to a Hospital as a registered bed patient for medically necessary treatment of a motor accident
upon recommendation of a Physician. Admission to the Hospital must be made within 2 days from the date of the accident.
A patient shall not be considered as a bed-paying patient if the patient does not physically stay in the Hospital for the
whole period of confinement. Upon discharged from Hospital, any subsequent confinement for the same accidental Injury
shall not be covered by the Policy.

Benefit 6 – Bereavement Allowance

We will pay a lump sum bereavement allowance as per the benefit limit stated in the Table of Benefits to Insured
Person(s) legal representative in the event of accidental death to Insured Person(s) upon a valid claim of benefit 1 above.

Benefit 7 – Ambulance Fees

We will reimburse up the benefit limit stated in the Table of Benefits for the charges incurred by the Insured Person(s)
for necessary ambulance services rendered in Malaysia (inclusive of attendants) to and/or from the Hospital provided such
Ambulance Fees were incurred as a result of an accident to the Named Vehicle mentioned in the Schedule.

Definitions

We/Us/Our - means
Tokio Marine Insurans (Malaysia) Berhad

You/Your - means
The person named as the Insured in the Schedule.

Insured Persons - means

You, Your Authorised Driver and/or Your Passenger(s) who is driving, riding as a passenger or whilst mounting into or
dismounting from the Named Vehicle mentioned in the Schedule.

Period of Insurance – means

The period for which You are insured.

Policy – means
Your insurance contract which consists of the Policy wording, Schedule and any Endorsement.

Endorsement – means
A written alteration to the terms, conditions and limitations of this Policy.

Premium – means
Any amount We require You to pay under the Policy and includes Services Tax.

Schedule – means
The Policy Schedule where the benefits and sum Insured are stated.

Hospital - means
Any lawfully operating public or private Hospital/medical centre which provides room and board and twenty-four (24)
hours nursing services.

Named Vehicle - means

The vehicle as described in the Policy Schedule.

Medical Practitioner – means

A properly qualified Medical Practitioner, other than Yourself, licensed by the competent Medical Authorities of the
country in which treatment is provided and when rendering such treatment, is practicing within the scope of his or her
licensing and training.

Exclusions
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 We will not pay for any consequence whatsoever which is the direct or indirect result of any of the following :-

a. loss caused directly or indirectly, wholly or partly

(i) by bacterial infections (except pyogenic shall occur through an accidental cut or wound);
(ii) by any form of illness, diseases, infection, or parasites fits hernia including malaria dengue fever and
acquired immune deficiency syndrome;
(iii) by medical or surgical treatment (except such as may be necessary as a result of injuries covered by this
Policy and performed within the time provided in the Policy);
(iv) by child birth, miscarriage, abortion or pregnancy not caused by road accident to the named vehicle
mentioned in the schedule;
(v) while the driver is under the influence of alcohol or intoxicating liquor, narcotic, dangerous drugs or any
other deleterious drugs or intoxicating substance to such an extent that the driver is incapable of having
proper control of Your vehicle;
(vi) while the vehicle is used for illegal business as an unlicensed common carrier;
(vii) while committing or attempting to commit any unlawful or criminal act.

b. HIV (Human Immunodeficiency Virus) and/or HIV related illnesses and/or any mutant derivatives or variations
thereof;

c. Suicide or any attempt thereat (sane or insane);

d. War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot,
strike, civil commotion, civil war, act of terrorism, rebellion, insurrection, conspiracy military or usurped power,
martial law, or state of siege, r any of the events or causes which determine the proclamation or maintenance or
martial law or state of siege, seizure, quarantine, or customs regulations or nationalization by or under of any
government or public or local authority; or any weapon or instrument or instrument employing atomic fission or
radioactive force, whether in time of peace or war. This exclusion shall not be affected by any Endorsement which
does not specifically refer to it, in whole or in part. You shall, if so required, and as a condition precedent to any of
Our liability prove that the loss did not in any way arise under or through any of the above exception, circumstances
or causes;

e. Loss if the vehicle is used for hire or reward, road rally pace making, speed-testing or use for any purpose in
connection with the motor trade;

f. Loss if the driver does not have a valid driving license to drive the vehicle. This will not apply if the driver has an
expired license but is not disqualified from holding or obtaining such driving license under any existing laws, by laws
and regulation;

g. Any person engaging in or taking part in police, army, naval or arm force services or operations.

h.
(i) ionizing radiations from or contamination by radioactivity from any nuclear fuel or

(ii) from any nuclear waste or from the combustion of nuclear fuel, or

(iii) the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation,
reactor or other nuclear assembly or nuclear component thereof, or

(iv) any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive
force or matter, or the radioactive, toxic, explosive or other hazardous or contaminating properties of any
radioactive matter.

(v) any nuclear material, nuclear installation or any other nuclear energy.

Conditions

1. A duty to comply with the Condition

We will only be liable to make any payment under this Policy if You have at all times complied with the terms,
provisions, conditions and Endorsement of this Policy.

2. Misrepresentation / Fraud

If the claim be in any respect fraudulent or if any false declarations be made or used in support thereof or if any
fraudulent means or devices are used by You or any one acting on Your behalf to obtain any Benefit under this Policy;
if the Death or loss or Disablement be occasioned by the willful act or with Your connivance; or if the claim be made
and rejected and an action or suit be not commence within three (3) months after such rejection or (in case of an
arbitration taking place in pursuance of the 6th condition of this Policy) within three (3) months after the arbitration
or arbitrators or umpire shall have made their reward all Benefits under this Policy shall be forfeited.
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DVG20325
 3. Claims Notification, Procedure and Settlement

a. Claims certificate information and evidence required by Us shall be furnished at Your expense or Your legal
personal representative and shall be in such form and of such nature as We may prescribe. The Insured Person(s)
as often as required shall submit to medical examination on Our behalf at their own expense in respect of any
alleged bodily injury. In case of death reasonable notice shall be given to Us before internment or cremation and
We may require or be represented at a post mortem examination on the body of the Insured Person(s).
Immediate notice stating time and place shall be given to Us of any inquest appointed. Time is the essence of
this Condition.

b. In case of bodily injury to which this Policy relates

i. the Insured Person shall procure and act upon medical or surgical advice as soon as practicable
ii. written notice shall be given to Us as soon as possible but in any event within twenty-one (21) days of such
bodily injury.

c. All claims shall be submitted through You. Your personal representatives' receipt shall discharge Us. All other
indemnities of this Policy which are payable other than to You shall be payable directly to the injured person or
to his legal representative whose receipt shall be a full discharge of the injury of such Insured Person(s).

4. Payment of Premium

Cash Before Cover Endorsement

It is fundamental and absolute special condition of this contract of insurance that the Premium due must be paid and
received by Us before cover commences. If this condition is not complied with, then this insurance is automatically
null and void.

The authorized agent shall remit the Premium within seven (7) working days upon receipt of such Premium from
You. We reserve the right to refuse any coverage and/or reject any claim resulting from non-payment of Premium
to Us.

5. Condition Precedent To Liability

The due observance and fulfillment of the terms and conditions and Endorsements of this Policy insofar as they
relate to anything to be done or not to be done by You shall be conditions precedent to any of Our liability to make
any payment under this Policy.

6. Notice

Every notice or communication to be given or made under this Policy shall be delivered in writing to Us. No alteration
in the terms of this Policy and no Endorsement hereon or addition hereto will held valid unless the same is made and
signed by Us.

7. Change In Risk

You shall give immediate notice to Us of any change in Your name residence business or occupation and shall also
give notice before any renewal of this Policy of any injury disease physical defect of infirmity by which You have
become affected or of which You have become cognizant.

8. Co-Ordination Of Benefit

When the Insured Persons is entitled to Benefit 3 payable under any other insurance group or individual the benefits
payable under this Policy shall be limited to the balance of expenses not covered by benefits payable under the other
insurance subject to the maximum benefits payable as stated in the Schedule.

9. Discharge of Liability

Any receipt or discharge which the Insured Person(s) or their legal representative may grant to Us for any capital
sum or compensation under this Policy shall be deemed a final and complete discharge of all Our liability in respect
of any and every injury or contingency (including death) resulting to the Insured Person(s) in consequence of the
accident whether resulting before or after the date of such receipt or discharge.

10. Territorial Limit

This Policy only covers motor road accidents involving the Named Vehicle in Malaysia, Singapore, and Brunei in
accordance to the laws of Malaysia.

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*Section H: GapZero Plus (Non-Tariff) - applicable only if the Endorsement number is printed in the Schedule

(Applicable to Comprehensive Cover only)

D542 GapZero Plus (Non-Tariff)

(A) Waiver of Compulsory Excess for Unnamed Driver (Non-Tariff)

It is hereby declared and agreed that the Compulsory Excess of RM400 as stated under Section A 2g, of this Policy will be
waived if You or the person driving Your Car with Your consent is not named in the Schedule as a Named Driver.

However, this waiver shall not apply if You or the person driving Your Car with Your consent:
- Is under 21 years old; and/or
- Holds a Provisional (P) or Learner (L) driver's license

Subject otherwise to the terms and conditions of this Policy.

(B) Zero Depreciation (Non-Tariff)

It is hereby understood and agreed that in the event of Your Car being a Total Loss this endorsement is designed to
provide cover for the financial shortfall between the amount received under Section A of the Policy and the Original
Purchase Price of Your Car. The amount payable under this endorsement shall not exceed the maximum limit of
RM200,000.

Provided always that Your Car is:

(a) Insured on Agreed Value under a Comprehensive Private Car Policy with Us; and
(b) Under 5 years old from the year of vehicle registration; and
(c) Not a second hand car, grey import or parallel import car or a reconditioned car; and
(d) Classified under one of the following categories:
i. Newly registered; or
ii. Not more than one year from the year of vehicle registration; or
iii. Between the second year to fifth year of renewal with Us, and have Zero Depreciation coverage in the
expiring policy period.

This endorsement shall indemnify if:

(a) Your Car is deemed to be a Total Loss that is entitled to a claim payment under the Comprehensive Private Car
Policy with Us; and
(b) You provide the original purchase invoice for Our claim assessment; and
(c) You provide purchase invoice or hire purchase agreement as proof of purchase of a brand new car of the same
make within 90 days from the date when We declare Your Car a Total Loss.

This endorsement shall not indemnify if:

The Total Loss is not entitled to a claim payment under the Comprehensive Private Car Policy with Us for whatever
reasons.

Special Conditions:
(a) This endorsement is not transferable to any other person or vehicle.
(b) You are not allowed to cancel this endorsement unless the Comprehensive Private Car Policy is also cancelled at
the same time.

Definitions

Total Loss means loss of Your Car either by theft or robbery and is not recovered, or accidental damage from the operation
of a peril insured under this Comprehensive Private Car Policy and the costs to repair is uneconomical to render Your Car
a "constructive total loss".

Original Purchase Price means the purchase price You paid for Your Car from a registered motor trader as indicated on
the purchase invoice. The original purchase price shall refer to the original selling price of the vehicle, including Sales
Tax and optional accessories. Any discount given, Registration/Transfer/Endorsement Fee, Road Tax Fee, Motor Insurance
and Number Plate Fee shall not be included.

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DVG20325
*Section I: Tokio Marine DriveSafe Pro (Non-Tariff)
(applicable only if the Endorsement number is printed in the Schedule)

(Applicable to Comprehensive Cover only)

D507 Tokio Marine DriveSafe Pro (Non-Tariff)

Benefit 1 & 2 – Accidental Death and Permanent Disablement

If during the Period of Insurance You, Your Authorised Driver and/or Your passenger(s) shall suffer bodily injury as defined
under benefits (1) and (2) of the Table of Benefits resulting solely and directly from an accident caused by violent external
and visible means whilst You and/or Your Authorised Driver is driving, riding as a passenger or whilst mounting into or
dismounting from the named vehicle mentioned in the Schedule, then We shall pay to You, Your Authorised Driver and/or
Your passenger(s) or to You, Your Authorised Driver and/or Your passenger(s) legal representative the sum stated under
such benefit as payable in respect thereof provided that:-

1. Either the death or disablement benefit only shall be payable in respect of any one of You, Your Authorised Driver
and/or Your passenger(s) in connection with the same accident.
2. On the happening of an accident giving rise to a valid claim under Death Benefit or 100% Permanent Disablement
Benefit, this benefit shall thereafter cease to apply.
3. No sum shall be payable under this benefit unless death, Permanent Disablement or loss takes place within twelve
(12) calendar months from the date of the accident.
4. The aggregate of all amounts payable in respect of any one accident under Benefits (1) and (2) shall not exceed 100%
of the Death Benefit for any one of You, Your Authorised Driver and/or Your passenger(s).
5. In the event that the actual number of persons traveling in the vehicle exceeds the number stated in the Schedule,
Our limit of liability per person shall be reduced proportionately to the actual number of persons.
6. If You are a company firm or partnership the cover will be restricted to persons traveling in named vehicle mentioned
in the Schedule.
7. Age limit of the passenger(s) is between 30 days to 80 years of age.

This Section is extended to provide 24 hours cover to You who shall suffer bodily injury as defined under benefits (1) to (2)
of the Table of Benefits resulting solely and directly from an accident of any other cause within the Territorial Limit.

Table of Benefits

Benefits Sum Insured (RM) per person

Plan 1 Plan 2 Plan 3
1. Accidental Death 15,000 30,000 45,000

2. Permanent Disablement

Total and irrecoverable loss of all sight in both 15,000 30,000 45,000
eyes

Total loss by physical severance at or above the 15,000 30,000 45,000

wrist or ankle of both hands or both feet or of one
hand together with one foot

Total loss by physical severance at or above the 15,000 30,000 45,000

wrist or ankle of one hand or one foot together
with the total and irrecoverable loss of all sight in
one eye

Total Paralysis 15,000 30,000 45,000

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 Total loss by physical severance at or above the 7,500 15,000 22,500
wrist or ankle of one hand or one foot

Total and irrecoverable loss of all sight in one eye 7,500 15,000 22,500
or total and irrecoverable loss of hearing in one
ear

Total and irrecoverable loss of hearing of both 7,500 15,000 22,500

ears
Our limit of liability in respect of any one accident 75,000 150,000 225,000
shall not exceed

Benefits Sum Insured Per Policy Period (RM)

Plan 1 Plan 2 Plan 2
3. Miscarriage, Permanent impotency or infertility 1,000 1,000 1,000
due to car accident
4. Special Relief Allowance 1,000 1,000 1,000

5. Personal Effect 500 500 500

Sum Insured Per event (RM)

6. Medical Expenses 1,000 1,000 1,000
7. Additional Towing
i) Road accident Up to 200 Up to 200 Up to 200
Breakdown Up to 250 Up to 250 Up to 250

Double Indemnity – refers to

We will pay double the Sum Insured stated in the Table of Benefits for Death and Permanent Disablement arising from
accident whilst You, Your Authorised Driver and/or Your passenger(s) traveling in the named vehicle during Festive
Seasons, 2 days before and 2 days thereafter.

Festive Seasons – refers to

First day of Chinese New Year, First day of Hari Raya Aidilfitri, Deepavali and Christmas in Malaysia.

Benefit 3 – Medical Expenses

We will pay reasonable medical, hospital, or nursing home expenses incurred up to RM1,000 per event in connection with
any accidental bodily injury caused by violent external and visible means including pregnancy complication by You, Your
Authorised Driver and/or Your passenger(s) as the direct and immediate result of an accident to the named vehicle
mentioned in the schedule, incurred within 26 weeks from the date of accident.

It is a condition precedent to Our liability for the payment of such expenses that the detailed account of the medical
attendant, surgeon, hospital or nursing home shall be submitted to and approved by Us.

Benefit 4 – Miscarriage, Permanent impotency or infertility due to car accident

We will pay an allowance of RM1,000 per policy period in the event of You, Your Authorised Driver and/or Your passenger(s)
suffers a miscarriage, permanent impotency or infertility as a result of road accident to the named vehicle mentioned in the
schedule.

This benefit is payable in addition to the expenses paid under Medical Expenses benefit and subject to the submission of
original medical report issued by qualified Medical Practitioner.

Benefit 5 – Special Relief Allowance

We will pay You RM1,000 for the loss of use in the event of total loss or theft to the named vehicle described in the Schedule.

This cover shall be automatically terminated once You submit a claim under this benefit or total loss or theft claim of Your
named vehicle whichever is applicable.

Benefit 6 – Personal Effects

We will pay up to RM500 per policy period for loss of or damage to Your personal effects caused by break-in by violent and
forcible means while the personal effects are inside Your named vehicle mentioned in the Schedule.

Exclusion:-
Goods or samples carried in connection with any trade or business and cash.

Benefit 7 – Additional Towing

We shall pay the following towing charges or labor cost for emergency roadside repairs incurred in excess of the limit
stated in Auto Partner.

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i) Road Accident - Up to RM200
ii) Breakdown – Up to RM250

This is only applicable to:

i) Comprehensive Cover only
ii) Within Malaysia, Singapore and Brunei
This endorsement does not cover the costs and related charges of all spare parts which shall be borne by you entirely.
Auto Partner – refers to
Complimentary emergency roadside assistance service for comprehensive Private Car motor insurance policyholder. Please
refer to our website at tokiomarine.com for Auto Partner’s limit, terms & conditions.

Optional Coverage
(Applicable only if the endorsement number is printed in the schedule)

Table of Benefits

Sum Insured Per Policy Period (RM)

1 unit 2 units 3 units
1. Car Child Seat 800 1,600 2,400

2. Flood Inconvenience Allowance 1,000 2,000 3,000

3. Betterment Cost 250 500 750

Optional coverage 1 - Child Car Seat

We will reimburse up to the limit stated in the selected plan for any replacement to Your child’s car seat including booster
seat fitted to Your named vehicle whilst damaged in a road accident. Damages which warrant replacement must be visible
and excluding any loss or damage that results over prolonged period of time due to wear and tear. This benefit is payable
following an own damage claim in motor policy.

Optional coverage 2 - Flood Inconvenience Allowance

We will pay You allowance up to the limits stated in the selected plan in the event Your named vehicle is damaged by Flood
during the Period of Insurance. The maximum payable per policy period shall not exceed the amount stated in the selected
plan.

A claim under this benefit only shall be deemed not to be a claim for the purpose of the No Claim Discount
Clause.

Flood – refers to
A body of water, rising, swelling and overflowing land not usually thus covered. Also, overflowing of the bank of a stream,
lake or drainage system of water onto adjacent land as a result of storm, tidal action and channel obstruction.

Optional coverage 3 - Betterment Cost

Coverage for betterment applies if there is a corresponding own damage accident claim on the named vehicle aged from five
(5) to fifteen (15) years old based on when it was originally registered in Malaysia:

a) As a locally assembled car Date of Original Registration

b) As a new imported Completely Built Unit (CBU) car Year of Manufacture
c) As an imported second-hand /used/reconditioned car Year of Manufacture

We will reimburse the actual betterment expenses incurred up to the limits stated in the selected plan that the Insured paid
to Our approved Repairer for the difference in cost between the old part(s) and the new part(s). The maximum payable per
policy period shall not exceed the amount stated in the selected plan.

The replacement of new parts must be done by Our approved Repairer who also undertakes the repairing works on the
named vehicle in connection with own damage accident claim.

Exclusions

This Section does not cover Death or Disablement or any other loss caused directly or indirectly by or in connection with any
of the following:-

1. War, invasion, acts of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil war,
mutiny, civil commotion assuming the proportions of or amounting to popular rising, military rising, insurrection,
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DVG20325
 rebellion, revolution, military or usurped power, martial law, confiscation or nationalisation or requisition or
destruction of or damage to property by or under the order of any Government or public or local authority;

2. Bacterial infections (except pyogenic shall occur through an accidental cut or wound);

3. Any form of illness diseases infection or parasites fits hernia including malaria, dengue fever and acquired immune
deficiency syndrome;

4. Medical or surgical treatment (except such as may be necessary as a result of injuries covered by this policy and
performed within the time provided in the policy);

5. Child birth, miscarriage, abortion or pregnancy not caused by road accident to the named vehicle mentioned in the
schedule (Applicable to Benefit 1 and 2);

6. Provoked murder or assault;

7. HIV (Human Immunodeficiency Virus) and/or HIV related illnesses and/or any mutant derivatives or variations thereof;

8. Suicide or any attempt thereat (sane or insane);

9. Pre-existing physical, mental defect or infirmity;

10. While committing or attempting to commit any unlawful or criminal act;

11. While participating in any professional sports or as a member of any professional sports team;

12. Martial arts or boxing, aerial activities including parachuting and hang-gliding, underwater activities exceeding fifty
(50) metres in depth, mountaineering involving the use of ropes of mechanical guides;

13. Racing (other than foot), pace-making speed or realibility trials;

14. Occupations (whilst on duty only):-

i) Air crews
ii) Professional motor racers
iii) Naval, Military or Air Force services or operations
iv) Professional sports teams /athletes
v) Ship crews on board ship, watercraft, vessel or barges
vi) Underground or underwater miners

15. i) ionizing radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from
the combustion of nuclear fuel, or
ii) the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor
or other nuclear assembly or nuclear component thereof, or
iii) any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or
matter, or the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive
matter.
iv) any nuclear material, nuclear installation or any other nuclear energy

The exclusions and conditions of Section I shall be read together with Private Car Plus policy as a single contract.

Section J: Perodua Total Protect Plus (Non-Tariff) - applicable only if the Endorsement number is printed in the
Schedule

(Applicable to Comprehensive Cover only)

D509 Waiver of Compulsory Excess For Unnamed Driver – Private Car & Private Use (Non-Tariff)
Compulsory Excess of RM 400.00 as stated under Section A, 2g, of the Motor Insurance policy for Private Car will be waived
if you or the person driving your car with your consent is not named in the Schedule as a named driver.

However, this waiver shall not apply if You or the person driving Your Car with your consent:-
- Is under 21 years old ; and/or
- Holds a Provisional (P) or Learner (L) driver’s license.

D510 Flood Allowance at RM1,000 (Non-Tariff)

In the event of damage to your named vehicle specified in the policy, due to flood, flash flood, overflowing of waterways,
drains or rivers or mud slides, we will pay you an allowance of RM1,000 as specified under the Schedule during the period

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DVG20325
of insurance. The vehicle should be directed or towed to any Authorized Perodua Workshop or Insurance or Takaful operator
appointed workshop for claim assessment.

In the event of flood claim you must provide us:

a) Copy of Police Report
b) Copy of Repair Invoice / Official Receipt
c) Photograph before and after cleaning works and/or any additional document for verification

The Insured / Policyholders should notify the claim to the insurer once the vehicle is being send to the workshop accordingly.

If any claim is being paid under this portion No reinstatement of coverage is allowed for the Named Vehicle upon settlement
of claim. Any claim under this endorsement shall not affect your NCD entitlement and NIL Excess applies for this section -
within Insurance period of cover

Note: NCD not affected

D511 Insured / Policyholder Personal Accident – Private Car & Private Use (Non-Tariff)
PRIVATE CAR – Apply for Motor Comprehensive Coverage Only. (Not applicable for Third Party and Act coverage)
(A) Motor Insurance Coverage with PA (Death or Permanent Disablement only)

If the Insured/Policyholder sustains any bodily injury or death days caused solely and directly by violent accidental external
and visible means whilst driving or riding as passenger(s), boarding or alighting from the named vehicle specified in the
policy, the Company shall pay the Insured/Policyholder in the event of bodily injury and/or in the event of death of the
Insured/Policyholder to his/her nominee as executor according to the direction of the nominee and/or trustee of the trust
created over such nomination in accordance with Schedule 10 of the Financial Services Act 2013 and/or the assignee as the
case may be, the Compensation Specified in the Table of Benefits if any of the aforesaid shall happen.

BENEFIT TABLE
SUM INSURED (RM)
(Applicable for Private Car – Private Use only)
1. Accidental Death RM10,000.00

2. Permanent Disablement
• Loss of both hands or both feet or sight of both eyes RM10,000.00
• Loss of one hand and one foot RM10,000.00
• Loss of either hand or foot and sight of one eye RM10,000.00
• Total paralysis (from the neck down) RM10,000.00
• Permanent quadriplegia (loss or permanent total loss of use of four limbs) RM10,000.00
• Loss of one hand or one foot RM 5,000.00
• Loss of four fingers and thumb in one hand RM 5,000.00
RM 5,000.00
• Loss of hearing of both ears
RM 5,000.00
• Loss of speech
RM 5,000.00
• Loss of sight of one eye
RM 5,000.00
• Loss of all toes in one foot

‘Loss’ with reference to hand or foot means complete through or above the wrist or ankle joint, within 180 days after the
date of accident and with reference to eyes means the entire and irrecoverable loss of sight.

Eligibility
• Insured/Policyholder should be 17 years old and above, under the regulations of the Malaysia Road Transport Department.
If insured has not attained the age of eighteen (18) years, the payment of benefits shall be paid to his/her nominee as
executor according to the direction of the nominee and/or trustee of the trust created over such nomination in accordance
with Schedule 10 of the Financial Services Act 2013.

• Applicable for Private Car & Private Use Only

Exclusions
This Benefit does not apply:-
1. a) to loss caused directly or indirectly, wholly or partly, by
i) bacterial infections (except pyogenic, infections which shall occur through an accidental cut or wound).
ii) any other kind of disease
iii) medical or surgical treatment (except such as may be necessary solely by injuries covered by this policy and
performed within the time provided in the policy).
b) to any bodily injury which shall result in hernia
c) to suicide or any other attempt thereat (sane or insane)
d) to loss occasioned by war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared
or not), mutiny, civil war, rebellion, revolution, insurrection, conspiracy, military or usurped power, martial law or
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 state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or
state of siege, seizure, quarantine, or customs regulations or nationalisation by or under the order of any government
or public or local authority,
or any weapon or instrument employing atomic fission or radioactive force, whether in time of peace or war. This
exclusion shall not be affected by any endorsement which does not specifically refer to it, in whole or in part. The
insured shall, if so require, and as a condition precedent to any liability of the Company, prove that the loss did not
in any way arise under or through any of the above excluded circumstances or causes.
e) to loss occasioned while the vehicle is used for hire, racing, road rally, pace-making, speed-testing or use for any
purpose in connection with motor trade.
f) to the driver if such driver does not hold a valid driver’s licence to drive the automobile or is not qualified for holding
or obtaining such a valid driver’s licence under the regulations of the Malaysia Road Transport Department.
g) while the vehicle is used for illegal business pursuit as an unlicensed common carrier.
h) to child birth, miscarriage, abortion or pregnancy not caused by road accident to the named vehicle mentioned in the
schedule.
i) while the driver is under the influence of intoxicating liquor, alcohol or drugs.
j) while committing or attempting to commit any unlawful act.
k) death or disablement directly or indirectly arising out of or consequent upon or contributed to by Acquired Immune
Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this syndrome has been acquired or may be
named.
l) any pre-existing conditions or physical defect or infirmity, fits of any kind.
m) loss, damage or liability to Your Car or caused by Your Car during the breakdown assistance and towing
service.
n) while You are participating in a brawl or strike, riot, civil commotion or demonstration.

Conditions
If any claim is being paid under this portion, No reinstatement of coverage is allowed for the affected person.

Note: NCD not affected

*Section K: Tokio Marine Auto Prime (Non-Tariff) - applicable only if the Endorsement number is printed in the
Schedule

(Applicable to Comprehensive Cover only)

D506 Tokio Marine Auto Prime (Non-Tariff)

Benefit 1 – Key Care

If Your car keys are loss due to snatch theft or house break in, We will reimburse the cost of replacing the:-
(a) affected keys/locks,
(b) lock transmitter and central locking interface,
(c) affected parts of the alarm and/or immobiliser,

The maximum amount paid under this benefit does not exceeding RM1,000 per policy period and limited to 1 set of car keys
for the named vehicle described in the Schedule.

Your no claim discount would not be forfeited when You make claim under this benefit.

Benefit 2 – Special Relief Allowance

We will pay You RM1,000 for the loss of use in the event of total loss or theft to the named vehicle described in the Schedule.

This cover shall be automatically terminated once You submit a claim under this benefit or total loss or theft claim of Your
named vehicle whichever is applicable.

Benefit 3 – Flood Inconvenience Allowance

We will pay You RM2,000 for clean-up and repair in the event Your named vehicle described in the Schedule is damaged by
Flood during the Period of Insurance.

Your no claim discount would not be forfeited when You make claim under this benefit.

Flood – means
A body of water, rising, swelling and overflowing land not usually thus covered. Also, overflowing of the bank of a stream,
lake or drainage system of water onto adjacent land as a result of storm, tidal action and channel obstruction.
The exclusions and conditions of this section shall be read together with Private Car Plus policy as one contract.

*Section L: GapZero – With Theft (Non-Tariff)

(applicable only if the Endorsement number is printed in the Schedule)

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(Applicable to Comprehensive Cover only)

D508 GapZero - With Theft (Non-Tariff)

It is hereby understood and agreed that in the event of Your Car being a Total Loss this endorsement is designed to provide
cover for the financial shortfall between the amount received under Section A of the Policy and the Original Purchase
Price of Your Car. The amount payable under this endorsement shall not exceed the maximum limit of RM350,000 during
the currency of this insurance.

Provided always that Your Car is:

(a) Insured on Agreed Value under a Comprehensive Private Car Policy with Us; and
(b) Under 5 years old from the date of registration; and
(c) Not a second hand car, grey import or parallel import car or a reconditioned car.

This endorsement shall indemnify if:

(a) Your Car is deemed to be a Total Loss; and
(b) You provide purchase invoice or hire purchase agreement as proof of purchase of a brand new car of the same
make within 90 days from the date when We declare Your Car a Total Loss

This endorsement shall not indemnify if:

(a) Your Car is stolen by any person having access to the keys of Your Car unless the keys are obtained using forcible
and violent means with threat of bodily injury.
(b) The Total Loss is not entitled to a claim payment under the Comprehensive Private Car Policy with Us for whatever
reasons.
(c) Your Car is outside Malaysia, Singapore and Brunei for 60 days and more consecutively at the time of an incident
which renders Your Car a Total Loss.

Special Conditions:
(a) This endorsement is not transferable to any other person or vehicle.
(b) You are not allowed to cancel this endorsement unless the Comprehensive Private Car Policy is also cancelled at
the same time.
(c) This endorsement should be read together with Our Comprehensive Private Car Policy.

Definitions

Total Loss means loss of Your Car either by theft or robbery and is not recovered, or accidental damage from the operation
of a peril insured under this Comprehensive Private Car Policy and the costs to repair is uneconomical to render Your Car
a "Beyond Economic Repair".
Your car under 1 year old from the date of registration shall be considered as “Beyond Economic Repair” if estimated
repair cost as determined by Us supported by internal and/or external adjuster exceeds 65% of Original Purchase Price.

Original Purchase Price means the purchase price You paid for Your Car from a registered motor trader as indicated on the
purchase invoice or first year Motor Insurance Sum Insured whichever is the lower. The purchase invoice refers to selling
price including Sales Tax and optional accessories but excluding any discount given, Registration/Transfer
/Endorsement Fee, Road Tax, Motor Insurance and Number Plate fee.

Section M: Private Hire Car Endorsement (Non-Tariff) - applicable only if the Endorsement number is printed in the
Schedule

(Applicable to Comprehensive Cover only)

D505 Private Hire Car Endorsement (Non-Tariff)

In consideration of the additional premium that You paid Us for this endorsement, We agree that the policy terms have been
amended as stated below.

‘Limitation as to Use’ as defined under the CI and explained under Section F: Definitions of words highlighted in the Policy
is amended to include use of the Car for the carriage of passengers for hire and reward under an e-hailing service license
for the period the Car is driven by that Authorised Private Hire Driver who is assigned to this vehicle, in the following
manner:-

TIME OF COVER :

Effective date of Private Hire Cover Endorsement : dd-mm-yyyy

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 Expiry date of Private Hire Cover Endorsement : dd-mm-yyyy

CONDITION UNDER WHICH THIS ENDORSEMENT APPLIES :

Cover under this Policy is extended by this endorsement on condition that the Car is fully licensed by APAD and/or CVLB in
accordance with their licensing provision for e-hailing services for private cars (i.e. ‘private hire’), and where all regulatory
or administrative provisions for use for ‘private hire’ are fully complied with.

Any restrictions to cover with regards to ‘private hire’ as mentioned in this Policy is therefore cancelled when this
endorsement is in force.

This cover is confined only to the geographical boundary of Malaysia, as well as any geographical limits of operation that are
or may be imposed by any administrative or licensing Authority.

I) EVENTS WE COVER UNDER THIS ENDORSEMENT :

Every coverage already taken under this Policy will apply during the time the Car is On Call while providing a legitimate
e-hailing service. In addition the insurance covers required by APAD and/or CVLB are specially provided by this
endorsement for the duration that the Car is On Call. The extent of these coverages are fully explained under Section III
‘Additional Extended Cover’ below :-
( i ) Loss or Damage to Your Own Car (as expressed under Section A of the Policy)
( ii ) Liability to Third Parties (as expressed under Section B of the Policy)
( iii ) Legal Liability to Fare Paying Passengers
( iv ) Personal Accident cover of RM10,000 due to accidental injury or death of the Authorised e-Hailing Driver in the
course of driving the Car
( v ) Legal Liability of Fare Paying Passengers for Negligent Acts

II) ADDITIONAL DEFINITION OF TERMS :

Authorised e-hailing Driver – Any driver who is registered and licensed with APAD and/or CVLB and is authorised by an e-
hailing service provider for the purpose of performing e-hailing services using this Car and with the Policyholder’s
permission to do so.
CVLB – refers to the licensing authority in East Malaysia for public service vehicles i.e. Commercial Vehicle Licensing
Board.
E-hailing app – refers to the electronic mobile application provided by an intermediation business
E-hailing services – the legitimate business as licensed by APAD and/or CVLB of carrying passengers in a private car for a
fee organised through an e-hailing app. The description ‘”e-hailing services” and “private hire” are synonymous and applies
in context.
Fare-paying passenger(s) – Passenger(s) who pay a fare to be transported in the Car pursuant to an e-hailing service call
together wth every person who accompanies them in the same ride.
On Call - The period between the point the authorised e-hailing driver logs on to the e-hailing app, until:-
(i) the last fare-paying passenger of the last trip has fully disembarked or alighted from the e-hailing car, or
(ii) when the last trip on the e-hailing app has ended or has been cancelled through the e-hailing app, or
(iii) when the e-hailing driver logs off the e-hailing app (i.e. the authorised e-hailing driver is no longer available for
private hire or to accept any trips for e-hailing, whichever occurs later.

Private Hire – the licence granted by APAD and/or CVLB which permits a private car to be used for the business of carriage
of passengers for a fee under an e-hailing service.
APAD – refers to the licensing authority for public service vehicles i.e. Land Public Transport Commission (also known as
Agensi Pengangkutan Awam Darat).

III) ADDITIONAL EXTENDED COVER :

(i) Loss of Damage to Your Own Car
Coverage for Loss or Damage to Own Car will follow the terms and conditions provided under Section (A) Loss or
Damage to your Own Car, under the main policy in accordance with the terms and conditions for which it has been
issued, with the exception that cover now applies when the Car is On Call.

(ii) Liability to Third Parties

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 Coverage for Liability to Third Parties will follow the terms and conditions provided under Section (B) Liability to
Third Parties, under the main policy in accordance with the terms and conditions for which it has been issued, with
the exception that cover now applies when the Car is On Call.

(iii) Legal Liability to Fare-Paying Passengers

We shall pay towards You or Your Authorised E-Hailing Driver’s liability to any Fare-paying Passengers being
carried in or upon or entering or getting into or onto or alighting from the Car except for:

a. damage to property belonging to or in the custody of or control of or held in trust by You or Your
Authorised e-Hailing Driver and / or any member of Your or Your Authorised e-Hailing Driver’s
Household unless these are being carried for hire or reward during the e-hailing service;

b. any claims brought against any person in any country in courts outside Malaysia, the Republic of
Singapore or Negara Brunei Darussalam; and

c. all legal costs and expenses which are not incurred in or recoverable in Malaysia, the Republic of
Singapore and Negara Brunei Darussalam; and

d. all liability arising from any assault, battery, robbery, medical assistance rendered in an emergency and
/or any delay caused by or contributed to by You or Your Authorised e-Hailing Driver; and

e. all liability caused by or contributed to by the e-hailing service provider and/or failure of the e-hailing
app; and

f. consequential loss of any kind arising from any of the above.

iv) Personal Accident Cover for Authorised e-Hailing Driver

It is hereby understood and agreed that the Company will pay the following compensation for bodily injury sustained
by the Authorised e-Hailing Driver only when On Call on condition that (1) the bodily injury is solely and
independently caused by violent accidental external and visible means (excluding consequential medical or surgical
treatment due to such injury), and (2) where the bodily injury results in the following Payable Injury within twelve
calendar months of the occurrence of the Incident:-

Scale of
PAYABLE INJURY Compensation
(RM)
1 Death 10,000
2 Total and irrecoverable loss of sight in both eyes 10,000
Total loss by physical severance at or above the wrist or ankle of both hands or both feet
3 or of one hand together with one foot 10,000

4 Total loss by physical severance at or above the wrist or ankle of one hand or one foot
together with the total and irrecoverable loss of sight in one eye 5,000

5 Total and irrecoverable loss of sight in one eye 5,000

6 Total loss by physical severance at or above the wrist or ankle of one hand or one foot 5,000

Provided always that:

a) Compensation shall be payable under one of the Payable Injury only in respect of any one person arising out
of any one occurrence. The total liability of the Company shall not in the aggregate exceed the sum of
RM10,000 during any one period of insurance.
b) No compensation shall be payable in respect of death or injury directly or indirectly wholly or in part arising
or resulting from or traceable to (1) intentional self injury, suicide (whether felonious or not) or attempted
suicide, physical defect or infirmity or (2) an accident happening whilst such person is under the influence of
intoxicating liquor or drugs.
c) No compensation shall be payable if the Authorised e-Hailing Driver is not authorised by the car owner and
the e-hailing service provider at the time of the Incident giving rise to the injury.

Subject otherwise to the Terms of this Policy.

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 (v) Legal Liability of Fare-Paying Passengers for Negligent Acts

We agree that the insurance provided under Section B of this Policy will include legal liability for any accident
to a third party which is caused by a passenger of Your Car during his ride as a Fare Paying Passenger in Your
Car on condition that the passenger:

a. is not driving Your Car;

b. is not entitled to indemnity under any other policy of insurance; and
c. complies with all the terms and conditions of this Policy as though he were You.

This endorsement does not cover:

a. death or bodily injury to any person who is employed by You or the passenger, and who dies or is injured
in the course of such employment;
b. damage to any property that belongs to or is held in trust or in the custody, care or control of You or the
passenger or which is being carried in Your Car; and / or
c. death or bodily injury to the driver or any passenger travelling in Your Car at the same time.

IV) PREMIUM REFUND :

No refund shall be allowed for the cancellation of this endorsement unless the cancellation is effected together with
the cancellation of this Policy.

V) GENERAL APPLICATION OF POLICY TERMS AND CONDITIONS :

All other terms and conditions provided under this Policy is otherwise unchanged.

Section N: Motor Add-On (Non-Tariff) - applicable only if the Endorsement number is printed in the Schedule

(Applicable to Comprehensive Cover only)

D518 Waiver of Compulsory Excess For Unnamed Driver (Non-Tariff)

In consideration of the additional premium that You paid Us for this endorsement, We agree to waive the Compulsory Excess
of RM400 as stated under Section A 2.g, if You or the person driving Your Car with Your consent is not named in the Schedule
as a Named Driver.

However, this waiver shall not apply if You or the person driving Your Car with Your consent:-
- Is under 21 years old; and/or
- Holds a Provisional (P) or Learner (L) driver’s license.

Subject otherwise to the terms and conditions of this Policy.

D520 Waiver of Betterment Contribution (Non-Tariff)

In consideration of the additional premium that You paid Us for this endorsement, We agree to waive the requirement to
contribute a proportion of the cost of new original parts used to repair Your Car that can be deemed as betterment under
Section A 2.f. The cost of new original parts used to repair Your Car will be borne by Us.

Subject otherwise to the terms and conditions of this Policy.

Section O: NisCare/RenCare/InfinitiCare (Non-Tariff)

(applicable only if the Endorsement number is printed in the Schedule)

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(Applicable to Private Car Comprehensive Cover only)

The benefits listed in this section shall form part of the basic coverage under this Policy. However, Your NCD entitlement
will not be affected if a claim is made under any of the benefits in this section.

Definition of terms highlighted under this Section.

1. “Accident” means a sudden unforeseen and fortuitous event.

2. “Damage” means harm to property, resulting in Loss of value or the impairment of its usefulness.
3. “House Break-In” means the act of forcefully entering someone's house in order to commit a crime.
4. “Key(s)” means any key or devise made by the manufacturer of Your Car to secure, gain access to, and enable Your Car
to be started and driven.
5. “Loss” or “Lost” means any unrecoverable and unanticipated and non-recurring removal of, or decrease in Your property
or belonging sustained by You which falls within the coverage provided under this Policy.
6. “Robbery” means taking or attempting to take something of value illegally by force or threat of force or by intimidating
or putting a person in fear with the intent to permanently deprive the person of that property.
7. “Theft” is an act where a person dishonestly appropriates property belonging to another with the intention of
permanently depriving the other of it.

D512 Flood Relief Allowance (Non-Tariff)

In the event of damage to Your Car due to flood, We will pay You an allowance of RM1,500 subject to the following:

a) Repair work is carried out at Our approved Repairer

b) A police report on the flood Incident, original receipt for the expenses incurred and photographs of Your Car
before and after the repair work were carried out must be submitted to Us.

The cover is limited to one (1) occurrence in each Period of Insurance and reinstatement of this cover is not allowed.

D513 Car Replacement Allowance (Non-Tariff)

We will pay You an allowance of RM150 per day up to a maximum of three (3) days for the repair period recommended by
Our Adjuster in the event own damage claim is made under this Policy, subject to the following conditions:

a) Your Car undergoes the necessary repair at Our approved Repairer;

b) We will not pay any inconvenience allowance for repair work conducted due to accident, without the
recommendation of Our Adjuster;
c) We will not pay any amount which exceeds the repair period recommended by Our Adjuster even if the actual repair
work takes a longer period to complete. If the repair work is completed sooner than expected, We will only pay You
the actual number of days required to complete the repair work;
d) The inconvenience allowance will not be paid if You are provided with a courtesy vehicle by Our approved Repairer
during the repair period;
e) The inconvenience allowance will not be paid for any repair or replacement of windscreen or window(s) or for a total
loss, theft or an own damage knock for knock claim.

Note: Please refer to the four (4) mandatory criteria of a knock for knock claim stated under Section C(3).
The cover is limited to one (1) occurrence in each Period of Insurance and reinstatement of this cover is not allowed.

D514 Window Snatch Theft (Non-Tariff)

We will pay You compensation of up to RM500 in the event that the windscreen or window(s) of Your Car is/are broken by
an unknown person with the intent to steal which results in the loss of possessions placed in Your Car subject to the following
conditions:

a) The Incident occurred whilst You or Your Authorised Driver were driving Your Car on the road;
b) A police report is lodged at the nearest police station where the Incident took place within twenty-four (24) hours
after the Incident occurred; and
c) To Our satisfaction, You or Your Authorised Driver have taken all reasonable steps to limit and prevent further
loss and damage.
For avoidance of doubt, We will not pay compensation for loss or losses due to any wilful act or negligence.

The cover is limited to one (1) occurrence in each Period of Insurance and reinstatement of this cover is not allowed.

D515 Key Care Cover (Non-Tariff)

This Policy shall cover the Loss or Damage of Your Car Key(s) due to actual or attempted Theft, Robbery or House Break-
In, subject to a police report being lodged within twenty-four (24) hours of occurrence of the Incident, upon receiving the
original receipt from You, We will reimburse the actual expenses incurred to repair or replace the Key(s) up to RM1,500
provided the repair work or replacement keys were carried out or were purchased from Our approved Repairer.

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The cover is limited to one (1) set of Key(s) claimable up to one (1) occurrence in each Period of Insurance and reinstatement
of this cover is not allowed.

We shall have the discretion to determine whether to replace, repair, or pay an amount equal to the loss of up to RM1,500
for one (1) set of Key(s) as We deem appropriate.

This benefit does not cover:

a) Loss or Damage caused by Theft or attempted Theft if the Key(s) (or keyless entry system) to Your Car is left unsecured
or unattended, or is left in or on Your Car whilst it is unattended;
b) Loss or Damage due to mysterious disappearance or unexplained losses where it cannot be proved that Theft, Robbery
or House Break-in occurred; or
c) Any claim for additional or duplicate keys.

D516 Additional Cash Payout (Non-Tariff)

We will pay You an amount equivalent to twenty per cent (20%) of the Sum Insured subject to the maximum amount of
RM3,000 in the event of a total loss or theft claim to Your Vehicle subject to the following condition:

a) The motor claim(s) made under Section 1 of this Policy for total loss or theft has been fully paid by Us.

D517 All Driver (Non-Tariff)

We agree to waive the compulsory Excess of RM400 as required under Section A2g of this Policy if at the time of the Incident,
You or the person driving Your Car with Your consent is not named in the Schedule as Named Driver.
This benefit shall however not be applicable if the person driving Your Car:

a) is under twenty-one (21) years old; or

b) holds a provisional (P) or learner (L) driver’s license.

We will not deduct this additional RM400 Excess if the loss or damage is caused by fire, explosion, lightning, burglary,
housebreaking, theft, third party property damage or bodily injury claims.

Section P: Grab Driver Daily Insurance (Non-Tariff) - applicable only if the Endorsement number is printed in the
Schedule

This section is applicable only when attached to a valid Private Car Comprehensive Cover policy issued by Tokio Marine
Insurans (Malaysia) Berhad.

D521 Grab Driver Daily Insurance (Non-Tariff)

In consideration of the additional premium that You paid Us for this endorsement, We agree that the policy terms have been
amended as stated below.

‘Limitation as to Use’ as defined under the CI and explained under Section F: Definitions of words highlighted in the Policy
is amended to include use of the Car for the carriage of passengers for hire and reward under an e-hailing service license
for the period the Car is driven by that Authorised Private Hire Driver who is assigned to this vehicle, in the following
manner:-

TIME OF COVER :

The time of cover of this Grab Driver Daily Insurance shall be for 24 hours as displayed on the e-hailing app authorized by
Us, commencing from the time when You purchase the cover via this e-hailing app.

CONDITION UNDER WHICH THIS ENDORSEMENT APPLIES :

Cover under this Policy is extended by this endorsement on condition that the Car is fully licensed by APAD and/or CVLB in
accordance with their licensing provision for e-hailing services for private cars (i.e. ‘private hire’), and where all regulatory
or administrative provisions for use for ‘private hire’ are fully complied with.

Any restrictions to cover with regards to ‘private hire’ as mentioned in this Policy is therefore cancelled when this
endorsement is in force.

This cover is confined only to the geographical boundary of Malaysia, as well as any geographical limits of operation that are
or may be imposed by any administrative or licensing Authority.

I) EVENTS WE COVER UNDER THIS ENDORSEMENT :

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 Every coverage already taken under this Policy will apply during the time the Car is On Call while providing a legitimate
e-hailing service. In addition the insurance covers required by APAD and/or CVLB are specially provided by this
endorsement for the duration that the Car is On Call. The extent of these coverages are fully explained under Section III
‘Additional Extended Cover’ below :-
( i ) Loss or Damage to Your Own Car (as expressed under Section A of the Policy)
( ii ) Liability to Third Parties (as expressed under Section B of the Policy)
( iii ) Legal Liability to Fare Paying Passengers
( iv ) Personal Accident cover of RM10,000 due to accidental injury or death of the Authorised e-Hailing Driver in the
course of driving the Car
( v ) Legal Liability of Fare Paying Passengers for Negligent Acts

II) ADDITIONAL DEFINITION OF TERMS :

Authorised e-hailing Driver – Any driver who is registered and licensed with APAD and/or CVLB and is authorised by Grab
for the purpose of performing e-hailing services using this Car and with the Policyholder’s permission to do so.
CVLB – refers to the licensing authority in East Malaysia for public service vehicles i.e. Commercial Vehicle Licensing
Board.
E-hailing app – refers to the electronic mobile application provided by Grab
E-hailing services – the legitimate business as licensed by APAD and/or CVLB of carrying passengers in a private car for a
fee organised through the “E-hailing app”. The description ‘”E-hailing services” and “private hire” are synonymous and
applies in context.
Fare-paying passenger(s) – Passenger(s) who pay a fare to be transported in the Car pursuant to an e-hailing service call
together wth every person who accompanies them in the same ride.
On Call - the period between the point the authorised e-hailing driver logs on to the e-hailing app and make himself
actively for Private Hire, until:-
(i) the last fare-paying passenger of the last trip has fully disembarked or alighted from the e-hailing car, or
(ii) when the last trip on the e-hailing app has ended or has been cancelled through the e-hailing app, or
(iii) when the e-hailing driver logs off the e-hailing app (i.e. the authorised e-hailing driver is no longer available for
private hire or to accept any trips for e-hailing, whichever occurs later.

Private Hire – the licence granted by APAD and/or CVLB which permits a private car to be used for the business of carriage
of passengers for a fee under an e-hailing service.
APAD – refers to the licensing authority for public service vehicles i.e. Land Public Transport Agency (also known as Agensi
Pengangkutan Awam Darat).

III) ADDITIONAL EXTENDED COVER :

(i) Loss of Damage to Your Own Car
Coverage for Loss or Damage to Own Car will follow the terms and conditions provided under Section (A) Loss or
Damage to your Own Car, under the main policy in accordance with the terms and conditions for which it has been
issued, with the exception that cover now applies when the Car is On Call.

(ii) Liability to Third Parties

Coverage for Liability to Third Parties will follow the terms and conditions provided under Section (B) Liability to
Third Parties, under the main policy in accordance with the terms and conditions for which it has been issued, with
the exception that cover now applies when the Car is On Call.

(iii) Legal Liability to Fare-Paying Passengers

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 We shall pay towards You or Your Authorised E-Hailing Driver’s liability to any Fare-paying Passengers being
carried in or upon or entering or getting into or onto or alighting from the Car except for:

a. damage to property belonging to or in the custody of or control of or held in trust by You or Your
Authorised e-Hailing Driver and / or any member of Your or Your Authorised e-Hailing Driver’s
Household unless these are being carried for hire or reward during the e-hailing service;

b. any claims brought against any person in any country in courts outside Malaysia, the Republic of
Singapore or Negara Brunei Darussalam; and

c. all legal costs and expenses which are not incurred in or recoverable in Malaysia, the Republic of
Singapore and Negara Brunei Darussalam; and

d. all liability arising from any assault, battery, robbery, medical assistance rendered in an emergency and
/or any delay caused by or contributed to by You or Your Authorised e-Hailing Driver; and

e. all liability caused by or contributed to by the e-hailing service provider and/or failure of the e-hailing
app; and

f. consequential loss of any kind arising from any of the above.

iv) Personal Accident Cover for Authorised e-Hailing Driver

It is hereby understood and agreed that the Company will pay the following compensation for bodily injury sustained
by the Authorised e-Hailing Driver only when On Call on condition that (1) the bodily injury is solely and
independently caused by violent accidental external and visible means (excluding consequential medical or surgical
treatment due to such injury), and (2) where the bodily injury results in the following Payable Injury within twelve
calendar months of the occurrence of the Incident:-

Scale of
PAYABLE INJURY Compensation
(RM)
1 Death 10,000
2 Total and irrecoverable loss of sight in both eyes 10,000
Total loss by physical severance at or above the wrist or ankle of both hands or both feet
3 or of one hand together with one foot 10,000

4 Total loss by physical severance at or above the wrist or ankle of one hand or one foot
together with the total and irrecoverable loss of sight in one eye 5,000

5 Total and irrecoverable loss of sight in one eye 5,000

6 Total loss by physical severance at or above the wrist or ankle of one hand or one foot 5,000

Provided always that:

a) Compensation shall be payable under one of the Payable Injury only in respect of any one person arising out
of any one occurrence. The total liability of the Company shall not in the aggregate exceed the sum of
RM10,000 during any one period of insurance.
b) No compensation shall be payable in respect of death or injury directly or indirectly wholly or in part arising
or resulting from or traceable to (1) intentional self injury, suicide (whether felonious or not) or attempted
suicide, physical defect or infirmity or (2) an accident happening whilst such person is under the influence of
intoxicating liquor or drugs.
c) No compensation shall be payable if the Authorised e-Hailing Driver is not authorised by the car owner and
the e-hailing service provider at the time of the Incident giving rise to the injury.
Subject otherwise to the Terms of this Policy.

(v) Legal Liability of Fare-Paying Passengers for Negligent Acts

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 We agree that the insurance provided under Section B of this Policy will include legal liability for any accident
to a third party which is caused by a passenger of Your Car during his ride as a Fare Paying Passenger in Your
Car on condition that the passenger:

a. is not driving Your Car;

b. is not entitled to indemnity under any other policy of insurance; and
c. complies with all the terms and conditions of this Policy as though he were You.

This endorsement does not cover:

a. death or bodily injury to any person who is employed by You or the passenger, and who dies or is injured
in the course of such employment;
b. damage to any property that belongs to or is held in trust or in the custody, care or control of You or the
passenger or which is being carried in Your Car; and / or
c. death or bodily injury to the driver or any passenger travelling in Your Car at the same time.

IV) PREMIUM REFUND :

No refund shall be allowed. Mid-term cancellation (i.e. any time between the 24-hour coverage periods) of this
endorsement is not allowed.

V) GENERAL APPLICATION OF POLICY TERMS AND CONDITIONS :

All other terms and conditions provided under this Policy is otherwise unchanged.

Section Q: Honda Insurance Plus (Non-Tariff)

(applicable only if the Endorsement number is printed in the Schedule)

(Applicable to Private Car Comprehensive Cover only)

D522 Flood Allowance at RM1,500.00 (Non-Tariff)

It is hereby declared and agreed that:

a) In the event of damage to Your Car, due to flood, flash flood, overflowing of waterways, drains or rivers or mud slides,
We will pay You an allowance of RM1,500 as specified under the Schedule during the Period of Insurance. The Car
should be directed or towed to any authorized Honda workshop or the respective workshop appointed by the general
insurer or takaful operator for claim assessment.
b) In the event of flood claim, You must provide Us the following:
• copy of police report; and
• copy of repair invoice/official receipt; and
• photograph before and after cleaning works and/or any additional document for verification; and
• any other relevant documents requested by Us.
c) You should notify the claim to Us once the Car has been sent to the workshop.
d) If any claim is paid under this Endorsement, no reinstatement of coverage is allowed for the Car upon settlement of
claim. Any claim under this Endorsement shall not affect Your NCD entitlement and no Excess will apply, provided
always it is within the Period of Insurance under this Policy.
Subject otherwise to the terms and conditions of this Policy.

D523 Waiver of Compulsory Excess For Unnamed Driver – Private Car and Private Use (Non-Tariff)
It is hereby declared and agreed that the Compulsory Excess of RM 400 as stated under Section A, 2g, of this Policy will be
waived if You or the person driving Your Car with Your consent is not named in the Schedule as a Named Driver.

However, this waiver shall not apply if You or the person driving Your Car with Your consent:-
- Is under 21 years old; and/or
- Holds a Provisional (P) or Learner (L) driver’s license.

Subject otherwise to the terms and conditions of this Policy.

D524 Personal Accident Coverage – Private Car and Private Use (Non-Tariff)
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Applicable to Private Car – Motor Comprehensive Coverage only. (Not applicable for Third Party and Act coverage)
Motor Insurance with Personal Accident Coverage (Death or Permanent Disablement only)

It is hereby declared and agreed that if You sustain any bodily injury or death that is caused solely and directly by violent
accidental external and visible means whilst driving or riding as passenger(s), boarding or alighting from Your Car, payment
of benefits will be paid as follows:

a) In respect of any accidental death benefits payable under the Table of Benefits as stated below in relation to the
coverage to You, it shall be paid in accordance to Schedule 10 of the Financial Services Act 2013.

b) In respect of any benefits payable (except any accidental death benefits) under the Table of Benefits as stated below
in relation to the coverage to You, it shall be paid to You. However in the event before payment of benefits can be
paid to You, You passed away, so under this circumstance, We will pay the payment of benefits to Your legal personal
representatives provided such legal personal representatives comply with all the terms and conditions of this Policy.

TABLE OF BENEFITS
SUM INSURED (RM)
(Applicable to Private Car – Private Use only)
1. Accidental Death RM15,000.00

2. Permanent Disablement
• Loss of both hands or both feet or sight of both eyes RM15,000.00
• Loss of one hand and one foot RM15,000.00
• Loss of either hand or foot and sight of one eye RM15,000.00
• Total paralysis (from the neck down) RM15,000.00
• Permanent quadriplegia (loss or permanent total loss of use of four limbs) RM15,000.00
• Loss of one hand or one foot RM 7,500.00
• Loss of four fingers and thumb in one hand RM 7,500.00
RM 7,500.00
• Loss of hearing of both ears
RM 7,500.00
• Loss of speech
RM 7,500.00
• Loss of sight of one eye
RM 7,500.00
• Loss of all toes in one foot

‘Loss’ with reference to hand or foot means complete through or above the wrist or ankle joint, within 180 days after the
date of accident and with reference to eyes means the entire and irrecoverable loss of sight.

Eligibility
• You should be 17 years old and above, under the regulations of the Malaysia Road Transport Department.

• Applicable to Private Car & Private Use Only.

Exclusions
This Benefit does not apply:
a) to loss caused directly or indirectly, wholly or partly, by

i. bacterial infections (except pyogenic, infections which shall occur through an accidental cut or wound).
ii. any other kind of disease.
iii. medical or surgical treatment (except such as may be necessary solely by injuries covered by this Policy and
performed within the time provided in the Policy).
b) to any bodily injury which shall result in hernia.
c) to suicide or any other attempt thereat (sane or insane).
d) to loss occasioned by war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or
not), mutiny, civil war, rebellion, revolution, insurrection, conspiracy, military or usurped power, martial law or state of
siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege,
seizure, quarantine, or customs regulations or nationalization by or under the order of any government or public or local
authority, or any weapon or instrument employing atomic fission or radioactive force, whether in time of peace or war.
This exclusion shall not be affected by any Endorsement which does not specifically refer to it, in whole or in part. You
shall, if so require, and as a condition precedent to any liability of Us, prove that the loss did not in any way arise under
or through any of the above excluded circumstances or causes.
e) to loss occasioned while the Car is used for hire, racing, road rally, pace-making, speed-testing or use for any purpose in
connection with motor trade.
f) to the driver if such driver does not hold a valid driver’s licence to drive the automobile or is not qualified for holding or
obtaining such a valid driver’s licence under the regulations of the Malaysia Road Transport Department.
g) while the Car is used for illegal business pursuit as an unlicensed common carrier.
h) to child birth, miscarriage, abortion or pregnancy not caused by road accident to the named vehicle mentioned in the
schedule.
i) while the driver is under the influence of intoxicating liquor, alcohol or drugs.
j) while committing or attempting to commit any unlawful act.
k) death or disablement directly or indirectly arising out of or consequent upon or contributed to by Acquired Immune
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 Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this syndrome has been acquired or may be named.
l) any pre-existing conditions or physical defect or infirmity, fits of any kind.
m) loss, damage or liability to Your Car or caused by Your Car during the breakdown assistance and towing service.
n) while You are participating in a brawl or strike, riot, civil commotion or demonstration.

Conditions
If any claim is paid under this Endorsement, no reinstatement of coverage is allowed.
Subject otherwise to the terms and conditions of this Policy.

D525 Key Care (Non-Tariff)

In the event if the car key(s) to Your Car is/are lost, stolen or damaged due to theft or attempted theft, robbery or house
break-in, We will reimburse You the actual expenses incurred in replacing one (1) set of the said car key(s) up to the amount
specified in the Schedule for ONE (1) claim only during the Period of Insurance subject to a police report being lodged
within twenty four (24) hours of occurrence of the incident, a copy of the police report, the original repair invoice(s) /
receipt(s) for the expense(s) incurred and any other additional document(s) as We may require are submitted to Us.
For the claim that We agree to reimburse under this endorsement only, We will not deduct any Excess and You will not lose
Your No Claim Discount entitlement.
This cover shall cease to be in force on the date Your claim is settled under this endorsement.

We do not cover:
(a) loss or damage caused by theft or attempted theft if the key(s) (or keyless entry system) to Your Car is/are left unsecured
or unattended, or is/are left in or on Your Car whilst it is unattended; and
(b) any claim for additional or duplicate key(s).

For purposes of this endorsement:

- Theft, robbery or house break-in shall be deemed to have occurred in the following situations:
(a) where theft or house break-in is committed by way of actual forcible and violent entry; or
(b) armed robbery or robbery with violence.

Subject otherwise to the terms and conditions of this Policy.

D526 Special Relief Allowance (Non-Tariff)

We will pay You RM1,500 for the loss of use in the event of total loss or theft to the named vehicle described in the Schedule.
This cover shall be automatically terminated once You submit a claim under this benefit or total loss or theft claim of Your
named vehicle whichever is applicable.

D559 Unlimited Towing (Non-Tariff)

We will provide you with towing services under our HiP roadside assistance to the nearest Franchise or Approved Repairer in
case your car is immobilized as a result of accident, breakdown or due to flood incident and not possible to be repaired on
the site.

We will provide the towing service for the first two (2) events with unlimited mileage during the period of insurance at no
cost to you. All toll charges incurred will be borne by you.

For each subsequent event(s), we will only provide towing services up to 450km due to breakdown or flood for each round
trip and up to RM200 due to accident.

*Section R: Tokio Marine Prestige (Non-Tariff) - applicable only if the Endorsement number is printed in the
Schedule

(Applicable to Comprehensive Cover only)

D528 Tokio Marine Prestige (Non-Tariff)

A) Waiver of Compulsory Excess For Unnamed Driver (Non-Tariff)

In consideration of the additional premium that You paid Us for this endorsement, We agree to waive the Compulsory Excess
of RM400 as stated under Section A 2.g, if You or the person driving Your Car with Your consent is not named in the Schedule
as a Named Driver.

However, this waiver shall not apply if You or the person driving Your Car with Your consent:-
- Is under 21 years old; and/or
- Holds a Provisional (P) or Learner (L) driver’s license.

Subject otherwise to the terms and conditions of this Policy.

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B) Unlimited Towing Costs (Non-Tariff)
In consideration of the additional premium that You paid Us for this endorsement, We agree to extend our Auto Partner
roadside assistance for unlimited towing distance during the policy period within Malaysia provided Your vehicle is
immobilized due to a Breakdown or Accident.

Other existing Auto Partner’s terms and conditions shall remain unchanged.

Auto Partner – refers to

Emergency roadside assistance service for comprehensive Private Car motor insurance policyholder. Please refer to
tokiomarine.com for Auto Partner’s terms & conditions.

Your No Claim Discount Entitlement would not be forfeited when You make claim under this benefit.

C) Accidental Death / Permanent Disablement (Non-Tariff)

If during the Period of Insurance You, Your authorized driver and/or Your passenger(s) suffer bodily injury as defined under
benefits (1) and (2) of the Table of Benefits resulting solely and directly from an accident caused by violent, external and
visible means whilst driving, riding as a passenger or whilst mounting into or dismounting from the named vehicle described
in the Schedule, then We shall pay to You, Your authorized driver and/or Your passenger(s) or to Your, Your authorized
driver or Your passenger(s) legal personal representative the sum stated under such benefit as payable in respect thereof
provided that:-

1. Either the death or disablement benefit only shall be payable in respect of any one You, Your authorized driver and/or
Your passenger(s) in connection with the same accident.
2. On the happening of an accident giving rise to a valid claim under Death Benefit or 100% Permanent Disablement Benefit,
this benefit shall thereafter cease to apply.
3. No sum shall be payable under this benefit unless death, Permanent Disablement or loss takes place within twelve (12)
calendar months from the date of the accident.
4. The aggregate of all amounts payable in respect of any one accident under Benefits (1) and (2) shall not exceed 100% of
the Death Benefit for any one of You, Your authorized driver and/or Your passenger(s).
5. In the event that the actual number of persons traveling in the vehicle exceeds the number stated in the Schedule, Our
limit of liability per person shall be reduced proportionately to the actual number of persons
6. If You are a company firm or partnership the cover will be restricted to persons traveling in named vehicle described in
the Schedule.
7. Our total maximum limit in respect of anyone accident shall not exceed RM100,000 per vehicle. Otherwise, the amount
payable in respect of Death or Permanent Disablement of each of You, Your authorized driver and Your passenger(s)
shall be reduced proportionately to the actual number of persons.
8. The age limit for You, Your authorized driver and/or Your passenger(s) is up to 75 years old.

Your no claim discount would not be forfeited when You make claim under this benefit.

TABLE OF BENEFITS

Benefits Sum Insured

(Per Person)
1. Death 20,000
2. Permanent Disablement specified below:-
a. Loss of both hands or both feet 20,000
b. Loss of sight of both eyes 20,000
c. Loss of one eye and one hand or one foot 20,000
d. Loss of one hand or one foot 10,000
e. Loss of sight of one eye or hearing of one ear 10,000
f. Loss of hearing of both ears 10,000

Permanent Disablement – refers to

Disablement arising solely and directly from the accidental injury which is irrecoverable in all probability.
Loss – refers to
a) In connection with hand or foot means physical severance at or above the wrist or foot or
above ankle.
b) The total loss of the use of the hand or foot.
c) In connection with the eye, means irrecoverable loss of all sight in the eye;
d) In connection with hearing, means entire and irrecoverable loss of hearing;
And in each case is caused by accidental injury.

We will not pay for any consequence whatsoever which is the direct or indirect result of any of the following:-

a. loss caused directly or indirectly, wholly or partly

i) by bacterial infections (except pyogenic shall occur through an accidental cut or wound);
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 ii) by any form of illness diseases infection or parasites fits hernia including malaria, dengue fever and acquired immune
deficiency syndrome;
iii) by medical or surgical treatment (except such as may be necessary as a result of injuries covered by this policy and
performed within the time provided in the policy);
iv) by child birth, miscarriage, abortion or pregnancy not caused by road accident to the named vehicle mentioned in the
schedule;

b. HIV (Human Immunodeficiency Virus) and/or HIV related illnesses and/or any mutant derivatives or variations thereof;

c. Suicide or any attempt thereat (sane or insane);

d. Loss if the vehicle is used for hire or reward, road rally pace making, speed-testing or use for any purpose in connection
with the motor trade;

e.(i) ionizing radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from
the combustion of nuclear fuel, or
(ii) the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or
other nuclear assembly or nuclear component thereof, or
(iii) any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or
matter, or the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter.
(iv) any nuclear material, nuclear installation or any other nuclear energy

D) Window Snatch Theft (Non-Tariff)

We will pay You compensation of up to RM2,000 in the event that the windscreen or window(s) of Your Car is/are broken by
an unknown person with the intent to steal which results in the Loss of Personal effects placed in Your Car subject to the
following conditions:

a) The Incident occurred whilst You or Your Authorised Driver were driving Your Car on the road;
b) A police report is lodged at the nearest police station where the Incident took place within twenty-four (24) hours after
the Incident occurred; and
c) To Our satisfaction, You or Your Authorised Driver have taken all reasonable steps to limit and prevent further Loss and
Damage.

Personal effects – means

Smart Tag, Touch n Go card, national registration identity card (“NRIC”), driver’s licence, credit cards or charge cards,
access cards, eye glasses, personal electronic devices (such as mobile phone, power bank, tablet, laptop, camera), wallet,
handbag, purse, keys (except keys to Your Car) and shoes.

For avoidance of doubt, We will not pay compensation for loss or losses due to any wilful act or negligence. The cover is
limited to one (1) occurrence in each Period of Insurance. We will not be deducting any Excess and You will not lose Your
NCD entitlement and reinstatement of this cover is not allowed.

E) Flood Relief Allowance (Non-Tariff)

In the event of damage to Your Car due to flood, We will pay You an allowance of RM2,000 subject to the following:

a) Repair work is carried out at Our approved Repairer

b) A police report on the flood Incident, original receipt for the expenses incurred and photographs of Your Car before and
after the repair work were carried out must be submitted to Us.

The cover is limited to one (1) occurrence in each Period of Insurance and reinstatement of this cover is not allowed.

F) Key Care Cover (Non-Tariff)

If Your car keys are loss due to snatch theft or house break in, We will reimburse the cost of replacing the:-

(a) affected keys/locks,

(b) lock transmitter and central locking interface,
(c) affected parts of the alarm and/or immobiliser,

The maximum amount paid under this benefit does not exceeding RM2,000 per policy period and limited to 1 set of car keys
for the named vehicle described in the Schedule.

Your no claim discount would not be forfeited when You make claim under this benefit.

G) Car Replacement Allowance (Non-Tariff)

We will pay You an allowance of RM100 per day up to a maximum of seven (7) days for the repair period recommended by
Our Adjuster in the event own damage claim is made under this Policy, subject to the following conditions:
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a) Your Car undergoes the necessary repair at Our approved Repairer;
b) We will not pay any inconvenience allowance for repair work conducted due to accident, without the recommendation of
Our Adjuster;
c) We will not pay any amount which exceeds the repair period recommended by Our Adjuster even if the actual repair work
takes a longer period to complete. If the repair work is completed sooner than expected, We will only pay You the actual
number of days required to complete the repair work;
d) The inconvenience allowance will not be paid if You are provided with a courtesy vehicle by Our approved Repairer during
the repair period;
e) The inconvenience allowance will not be paid for any repair or replacement of windscreen or window(s) or for a total
loss, theft or an own damage knock for knock claim.

Note: Please refer to the four (4) mandatory criteria of a knock for knock claim stated under Section C(3).

The cover is limited to one (1) occurrence in each Period of Insurance and reinstatement of this cover is not allowed.

Section S: Unlimited Towing (Non-Tariff) - applicable only if the Endorsement number is printed in the Schedule

(Applicable to Comprehensive Cover only)

D527 Unlimited Towing (Non-Tariff)

In consideration of the additional premium that You paid Us for this endorsement, We agree to extend our Auto Partner
roadside assistance for unlimited towing distance during the policy period within Malaysia provided Your vehicle is
immobilized due to a Breakdown or Accident.

Other existing Auto Partner’s terms and conditions shall remain unchanged.

Auto Partner – refers to

Emergency roadside assistance service for comprehensive Private Car motor insurance policyholder. Please refer to
tokiomarine.com for Auto Partner’s terms & conditions.

Your No Claim Discount Entitlement would not be forfeited when You make claim under this benefit.

SERVICE TAX CLAUSE

In compliance with the implementation of Service Tax on 1 September 2018 (“Effective Date”), it is hereby declared that
Tokio Marine Insurans (Malaysia) Berhad (“TMIM”) is required to charge the Insured and the Insured is liable to pay TMIM the
Service Tax due on policies commencing on and after the Effective Date and the pro-rated premium for the period of the
Policy that spans over the Effective Date. The obligation of the Insured to pay Service Tax shall form part of the terms and
conditions of the Policy.

SANCTION LIMITATION AND EXCLUSION CLAUSE (SANC)

The insurer shall be deemed not to provide cover and shall not be liable to pay any claim or provide any benefit hereunder
to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the insurer
to any sanction, prohibition or restriction on matched individuals and entities listed under the United Nations Sanction List
as well as section 66B (1) applicable to the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds From Illegal
Activities 2001 or any trade or economic sanctions subjected under the administration of Office of Foreign Assets Control of
the U.S. Treasury Department (“OFAC”).

NOTICE TO ALL POLICYHOLDER

The following bodies are authorised to oversee public enquiries and complaints on insurance related matters. You can contact
them for assistance at :

I. Financial Markets Ombudsman Service

(formerly known as Ombudsman for Financial Services)
Company No: 200401025885
Level 14, Main Block,
Menara Takaful Malaysia,
No. 4, Jalan Sultan Sulaiman,
50000 Kuala Lumpur

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 General Line: +603 2272 2811

Website: www.fmos.org.my

II. BNMTELELINK OR BNMLINK

Telephone: 1-300–88–5465 (LINK)
Facsimile: 03-2174 1515
Email: bnmtelelink@bnm.gov.my
Address: BNMTELELINK
Corporate Communications Department
Bank Negara Malaysia
P.O. Box 10922
50929 Kuala Lumpur
Website: telelink.bnm.gov.my/

IMPORTANT NOTICE

“The benefit(s) payable under eligible certificate/policy/product is(are) protected by PIDM up to limits. Please refer
to PIDM’s TIPS Brochure or contact Tokio Marine Insurans (Malaysia) Berhad or PIDM (visit www.pidm.gov.my).”

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