ZURICH ROADSIDE ASSISTANCE

24 Hours HOTLINE Number :- 1300 88 6222 or 03-9236 2000

This value added benefits entitle the Insured to Zurich Roadside Assistance ( ZRA ) programme twenty four (24) hours a day, three
hundred sixty five (365) days a year, anywhere in Malaysia only. The services will only be rendered to the Registered Vehicle in the event
of breakdown during the period of Insurance. The Insured/driver of the Registered Vehicle must call the 24-Hour HOTLINE number
1300-88-6222 or land line 03-92362000 to request for the services below.

(a) Minor Roadside Breakdown

In the event that the Registered Vehicle is immobilised due to breakdown, the Registered Vehicle's driver shall be entitled to contact
ZRA 24-Hours Hotline for assistance. Should it be deemed possible to repair the Registered Vehicle car on the spot, ZRA shall arrange
for such minor roadside repair. In the event it is not possible to repair the car on site, paragraph (b) shall be applicable. ZRA shall
organize and pay for labour cost for roadside repair up to a maximum labour of One hour (1) per event. ZRA shall not be responsible for
any cost incurred for spare parts required during the Minor Roadside Repairs. ZRA shall not be responsible to ensure the authenticity or
genuine parts are used by the workshop or repairer.

(b) 24-Hour Emergency Towing

If the Registered Vehicle breaks down and it is not possible to repair the Registered Vehicle on the site, ZRA shall use it best endeavour
assist to tow the Registered Vehicle up to the value as per Coverage Table stated below, to the Insured/driver's preferred workshop.
Additional cost of towing is approximately RM2.00 per km (round-trip) shall be borne and paid by the Insured/driver. However, the cost
of towing may vary according to prevailing market rates. Toll charges shall be bourne by the Insured/driver.

Private Car Private Car Private Car

Coverage Table - Towing
Fees wef 01st Nov 2013 Comprehensive Comprehensive or Third Party, Fire & Comprehensive or Third Party, Fire &
Theft + 1 Pac Theft + 2 Pac / Agreed Pac

New Policy RM150-00 RM300-00 RM450-00

Renewal Policy RM300-00 RM450-00 RM600-00

(c) Territorial Limit

The twenty four (24) hours emergency towing services shall be made available in the event the Registered Vehicle is immobilized
anywhere in Peninsular Malaysia excluding islands except for Penang and on the Island of Langkawi. In East Malaysia, the towing
service shall only be available at major towns as listed by ZRA and on the island of Labuan.

Limitations and Exclusion of Service

ZRA shall not be liable or to provide the services under paragraph ( a ) and ( b ) above under the following circumstances:

1. Services which are not organized or pre-approved directly by ZRA;

2. Towing in the event of an accident ;
3. If the Registered Vehicle is or has been modified for participation in legitimate or illegitimate rally and racing or modified against
government regulations ;
4. Service provision outside the territorial limits stated ;
5. Failure of the Insured/driver and/or passenger(s) of the Registered Vehicle to take reasonable precautions or to follow warnings of any
intended strike, riot or civil commotion via the mass media ;
6. Any commercial vehicle or vehicles not registered to receive this Services.
7. When the car keys are not available or locked inside the Registered Vehicle ;
8. When there is no mechanical part in the Registered Vehicle, such as no engine or transmission ;
9. Towing of a Registered Vehicle for the purpose of disposing the vehicle ;
10. Towing of a Registered Vehicle for the purpose of transferring the vehicle from one workshop to another ;
11. No valid road tax disc displayed on the Registered Vehicle ;
12. Towing a stolen Registered Vehicle which has been discovered, abandoned or due to vandalism ;
13. Registered Vehicle that has been dismantled fully or partly in a workshop with or without the consent of the Insured / driver ;
14. Towing a Registered Vehicle that is greater weight than for which it was designed as stated in the manufacturer's specifications ;
15. Towing a Registered Vehicle which registration number does not match with the number registered with ZRA ;
16. Towing of a Registered Vehicle due to catastrophe events or Act of God such as but not limited to earthquake, landslip, landslide or
flood, including flash floods or any other convulsion of nature is involved.
17. If the Registered Vehicle suffers a mechanical breakdown and is immobilized on an unpaved road surface or on a road that is not a
gazetted road ;
18. If the Registered Vehicle requires the use of special equipment during the road side repair or towing process ;
19. Towing of the Registered Vehicle situated beyond the road, or situated in the sea, or recoveries of which would be dangerous or illegal
for tow truck to transport ;
20. Transportation for the Registered Vehicle's driver to the vehicle for service or from the vehicle to another destination after service has
been rendered ;
21. Towing at the direction of a law enforcement office related to traffic obstruction, impoundment, abondonment, illegal parking or other
violations of the law ;
22. Any cost on parts and cost of repair at the workshop or service centre.
 PRIVATE CAR
KERETA PERSENDIRIAN

THE SCHEDULE JADUAL

ORIGINAL COPY SALINAN ASAL

Agent Code (Kod Ejen) : D09159-000 (SIBU) Date (Tarikh) : 07 OCT 2014
TANG PIK ENG
Replacing Cover Note No. : D09159-14003857 Receipt No. :
(Menggantikan Nota Lindung No.) (No. Resit)

Policy No. (No. Polisi) : 631400048268-00 ACT (ACT) : 50.40

The PolicyHolder : AKADEMI MEMANDU SURIA SIBU SDN Basic Premium 738.30
(Yang Diinsuranskan) BHD Loading:0.00% 0.00
Address (Alamat) : SIBU OCCUPATION TICKET NO.50049 & 20349 Loading Tuition:50.00% 369.15
96000 SIBU

NCD:30.00% 332.24
Business Reg. No. (No. Sykt.) : 930549W Extra Cover 0.00
I/C No. New (No. K/P Baru) : Old I/C No. (No. K/P Lama) : Gross Premium 775.21
Business / Profession (Perniagaan / Pekerjaan) : Service Tax 46.51
Hire Purchase Owners / (Pemilik Sewa Beli /) : TOYOTA CAPITAL MALAYSIA S/B
Employer / Lessors (Majikan / Pemajak) :
Stamp Duty : RM 10.00
Period of Insurance (a) From (Dari) : 17 OCT 2014 To (Hingga) : 16 OCT 2015 (DUTI SETEM)
(Tempoh Insurans) Time : 12:01AM To Midnight (Termasuk kedua - dua tarikh)
(b) Any subsequent period for which you shall pay and we shall Total Premium : RM 831.72
(JUMLAH)
agree to accept a renewal premium
Sebarang tempoh selanjutnya untuk mana anda membayar dan kami bersetuju
menerima premium pembaharuan
The Motor Vehicle Any of the following (Mana - mana daripada yang berikut) : Kenderaan Motor
Registration No. Make Type of Body Cubic Capacity Year of Seating Capacity Your Estimate of Value
Manufacture Including Driver Including Accessories
No. Pendaftaran Buatan Jenis Badan Keupayaan Enjin Tahun Diperbuat Muatan Tempat Duduk Nilai Anggaran Anda termasuk
termasuk Pemandu Aksesori

QSX2540 PERODUA SALOON 989.00 2012 5 RM28,000.00

VIVA CC
1000

Date of Signature of Proposal and Declaration EXCESS : RM0.00 Engine (Enjin) : B3279088
Tarikh Cadangan dan Perakuan Ditandatangan (LEBIHAN) Theft Excess : RM0.00 CHASSIS (CASIS) : PM2L251S002190988
Subject to the terms and conditions of the Policy and endorsement as numbered below :
Tertakluk kepada peraturan - peraturan dan syarat - syarat Polisi dan pengendorsan seperti disenaraikan di bawah :
Named Driver : a) ALL DRIVERS

Additional Extra Coverage/Endorsements :-

Code Description Value Premium
06 TUITION 0.00 0.00

LEGISLATION:-
Road Transport Act, 1987 (Malaysia) Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189) Republic of Singapore Motor Vehicles (Third Party Risks and Compensation) Rules (Republic of Singapore) Motor Vehicles Insurance
(Third Party Risks) Act (Cap 90) Negara Brunei Darussalam (the reference to legislation under the heading "Avoidance of Certain Terms and Right of Recovery" is limited to Section 94, 95 and 96 of the Road Transport Act 1987 (Malaysia)
Section 7, 8 and 9 of the Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189) Republic of Singapore and Section 7 of the Motor Vehicles Insurance (Third Party Risks) Act (Cap 90) Negara Brunei Darussalam.

UNDANG - UNDANG:-
Akta Pengangkutan Jalan Raya, 1987 Malaysia, Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapore, Peraturan Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) 1960 Republik Singapura, Akta
Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90) Negara Brunei Darussalam (rujukan kepada undang - undang di bawah tajuk "Pengelakan Peraturan - Peraturan Dan Hak Tuntutan Tertentu" adalah terhad kepada Seksyen 94, 95 dan
96 Akta Pengangkutan Jalan Raya, 1987 Malaysia. Seksyen 7, 8 dan 9 Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapura, dan Seksyen 7 Akta Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90)
Negara Brunei Darussalam).

Limits of Liability:- For and on behalf of / Untuk dan bagi pihak

Had Tanggungan: Zurich Insurance Malaysia Berhad
Limit of the amount of Our Liability under Section B-1(a) .......... Unlimited
Had jumlah tanggungan Kami di bawah Seksyen B-1(a) ..........

Limit of the amount of Our Liability under Section B-1(b) .......... RM3,000,000.00
Had jumlah tanggungan Kami di bawah Seksyen B-1(b) ..........

Limitation as to Use : As shown in the Certificate of Insurance

Had Penggunaan : Seperti ditunjukkan dalam Sijil Insurans
Daniel Reymond
Geographical Area : Malaysia, Republic of Singapore and Negara Brunei Darussalam Chief Operating Officer
Had Wilayah : Malaysia, Republik Singapura dan Negara Brunei Darussalam

Authorised Driver : As shown in the Certificate of Insurance

Pemandu Yang Dibenarkan : Seperti ditunjukkan dalam Sijil Insurans
 PRIVATE CAR
KERETA PERSENDIRIAN

THE SCHEDULE JADUAL

FINANCIAL COPY SALINAN KEWANGAN

Agent Code (Kod Ejen) : D09159-000 (SIBU) Date (Tarikh) : 07 OCT 2014
TANG PIK ENG
Replacing Cover Note No. : D09159-14003857 Receipt No. :
(Menggantikan Nota Lindung No.) (No. Resit)

Policy No. (No. Polisi) : 631400048268-00 ACT (ACT) : 50.40

The PolicyHolder : AKADEMI MEMANDU SURIA SIBU SDN Basic Premium 738.30
(Yang Diinsuranskan) BHD Loading:0.00% 0.00
Address (Alamat) : SIBU OCCUPATION TICKET NO.50049 & 20349 Loading Tuition:50.00% 369.15
96000 SIBU

NCD:30.00% 332.24
Business Reg. No. (No. Sykt.) : 930549W Extra Cover 0.00
I/C No. New (No. K/P Baru) : Old I/C No. (No. K/P Lama) : Gross Premium 775.21
Business / Profession (Perniagaan / Pekerjaan) : Service Tax 46.51
Hire Purchase Owners / (Pemilik Sewa Beli /) : TOYOTA CAPITAL MALAYSIA S/B
Employer / Lessors (Majikan / Pemajak) :
Stamp Duty : RM 10.00
Period of Insurance (a) From (Dari) : 17 OCT 2014 To (Hingga) : 16 OCT 2015 (DUTI SETEM)
(Tempoh Insurans) Time : 12:01AM To Midnight (Termasuk kedua - dua tarikh)
(b) Any subsequent period for which you shall pay and we shall Total Premium : RM 831.72
(JUMLAH)
agree to accept a renewal premium
Sebarang tempoh selanjutnya untuk mana anda membayar dan kami bersetuju
menerima premium pembaharuan
The Motor Vehicle Any of the following (Mana - mana daripada yang berikut) : Kenderaan Motor
Registration No. Make Type of Body Cubic Capacity Year of Seating Capacity Your Estimate of Value
Manufacture Including Driver Including Accessories
No. Pendaftaran Buatan Jenis Badan Keupayaan Enjin Tahun Diperbuat Muatan Tempat Duduk Nilai Anggaran Anda termasuk
termasuk Pemandu Aksesori

QSX2540 PERODUA SALOON 989.00 2012 5 RM28,000.00

VIVA CC
1000

Date of Signature of Proposal and Declaration EXCESS : RM0.00 Engine (Enjin) : B3279088
Tarikh Cadangan dan Perakuan Ditandatangan (LEBIHAN) Theft Excess : RM0.00 CHASSIS (CASIS) : PM2L251S002190988
Subject to the terms and conditions of the Policy and endorsement as numbered below :
Tertakluk kepada peraturan - peraturan dan syarat - syarat Polisi dan pengendorsan seperti disenaraikan di bawah :
Named Driver : a) ALL DRIVERS

Additional Extra Coverage/Endorsements :-

Code Description Value Premium
06 TUITION 0.00 0.00

LEGISLATION:-
Road Transport Act, 1987 (Malaysia) Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189) Republic of Singapore Motor Vehicles (Third Party Risks and Compensation) Rules (Republic of Singapore) Motor Vehicles Insurance
(Third Party Risks) Act (Cap 90) Negara Brunei Darussalam (the reference to legislation under the heading "Avoidance of Certain Terms and Right of Recovery" is limited to Section 94, 95 and 96 of the Road Transport Act 1987 (Malaysia)
Section 7, 8 and 9 of the Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189) Republic of Singapore and Section 7 of the Motor Vehicles Insurance (Third Party Risks) Act (Cap 90) Negara Brunei Darussalam.

UNDANG - UNDANG:-
Akta Pengangkutan Jalan Raya, 1987 Malaysia, Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapore, Peraturan Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) 1960 Republik Singapura, Akta
Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90) Negara Brunei Darussalam (rujukan kepada undang - undang di bawah tajuk "Pengelakan Peraturan - Peraturan Dan Hak Tuntutan Tertentu" adalah terhad kepada Seksyen 94, 95 dan
96 Akta Pengangkutan Jalan Raya, 1987 Malaysia. Seksyen 7, 8 dan 9 Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapura, dan Seksyen 7 Akta Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90)
Negara Brunei Darussalam).

Limits of Liability:- For and on behalf of / Untuk dan bagi pihak

Had Tanggungan: Zurich Insurance Malaysia Berhad
Limit of the amount of Our Liability under Section B-1(a) .......... Unlimited
Had jumlah tanggungan Kami di bawah Seksyen B-1(a) ..........

Limit of the amount of Our Liability under Section B-1(b) .......... RM3,000,000.00
Had jumlah tanggungan Kami di bawah Seksyen B-1(b) ..........

Limitation as to Use : As shown in the Certificate of Insurance

Had Penggunaan : Seperti ditunjukkan dalam Sijil Insurans
Daniel Reymond
Geographical Area : Malaysia, Republic of Singapore and Negara Brunei Darussalam Chief Operating Officer
Had Wilayah : Malaysia, Republik Singapura dan Negara Brunei Darussalam

Authorised Driver : As shown in the Certificate of Insurance

Pemandu Yang Dibenarkan : Seperti ditunjukkan dalam Sijil Insurans
 Code / Kod 18 MX20

CERTIFICATE OF INSURANCE SIJIL INSURANS

ROAD TRANSPORT ACT, 1987 (MALAYSIA)
THE MOTOR VEHICLES (THIRD PARTY RISKS, RULES 1959 (MALAYSIA)
THE MOTOR VEHICLES (THIRD PARTY RISKS AND COMPENSATION) ACT
(CAP 189) (REPUBLIC OF SINGAPORE)
THE MOTOR VEHICLES (THIRD PARTY RISKS AND COMPENSATION) RULES 1960 (REPUBLIC OF SINGAPORE)
THE MOTOR VEHICLES INSURANCE (THIRD PARTY RISKS) ACT (CAP 90) NEGARA BRUNEI DARUSSALAM
AKTA PENGANGKUTAN JALAN RAYA, 1987 (MALAYSIA)
PERATURAN KENDERAAN MOTOR (RISIKO PIHAK KETIGA) 1959 (MALAYSIA)
AKTA KENDERAAN MOTOR (RISIKO DAN PAMPASAN PIHAK KETIGA) (CAP 189) (REPUBLIK SINGAPURA)
PERATURAN KENDERAAN MOTOR (RISIKO DAN PAMPASAN PIHAK KETIGA) 1960 (REPUBLIK SINGAPURA),
AKTA INSURANS KENDERAAN MOTOR (RISIKO PIHAK KETIGA) (CAP 90) NEGARA BRUNEI DARUSSALAM

Certificate No. (No. Sijil) : 631400048268-00 D09159-000

1. Index Mark and Registration Number of Vehicle : QSX2540 NCD:30.00%

(Tanda Indeks dan Nombor Pendaftaran Kenderaan) PERODUA VIVA 1000 SX (M)
AKADEMI MEMANDU SURIA SIBU SDN
2. Name of PolicyHolder (Nama Pemegang Polisi) :
BHD
3. Effective date of the Commencement of Insurance for the purposes of the Regulations, Ordinance of Enactment : 17 OCT 2014
(Tarikh Insurans Mula Berkuatkuasa bagi tujuan Peraturan - Peraturan, Ordinan atau Enakmen)
4. Date of Expiry of the Insurance (Tarikh Insurans Tamat) : 16 OCT 2015

5. Persons or Classes of Persons entitled to drive* (Orang atau Kelas Orang yang berhak memandu*) :

Any person driving on the Policyholder's order or with their permission. Provided that the person driving is
permitted in accordance with the licensing or other laws or regulations to drive the Motor Vehicle or has
been so permitted and is not disqualified by order of a Court of Law or by reason of any enactment or
regulation in that behalf from driving the Motor Vehicle.

* Limitations rendered inoperative by Section 95 of the Road Transport Act 1987 (Malaysia) or Section 8 of the Motor Vehicles (Third Party Risks and Compensation) Act (Cap 189) Republic of Singapore or Section 7 of the Motor
Vehicles Insurance (Third Party Risks) Act (Cap 90) Negara Brunei Darussalam are not to be included under these heading.

* Had - had yang tidak lagi berkuatkuasa kerana Seksyen 95 Akta Pengangkutan Jalan Raya, 1987 (Malaysia) atau Sekyen 8 Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Republik Singapura atau Seksyen
7 Akta Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90) Negara Brunei Darussalam tidak boleh dimasukkan di bawah tajuk ini.

Insured in pursuance to cover Note No : D09159-14003857

Dikeluarkan mengikut Nota lindungan No :

I / We hereby certify that the Policy to which the Certificate is issued in accordance with the For and on behalf of / Untuk dan bagi pihak
provisions of Part IV of the Road Transport Act, 1987 (Malaysia), Motor Vehicles (Third Party Zurich Insurance Malaysia Berhad
Risks & Compensation) Act (Cap 189) Republic of Singapore and the Motor Vehicles Insurance
(Third Party Risks) Act (Cap 90) Negara Brunei Darussalam.

Saya / Kami dengan ini mengesahkan bahawa Polisi yang berkaitan dengan Sijil ini
dikeluarkan selaras dengan peruntukan - peruntukan Bahagian IV Akta Pengangkutan Jalan Daniel Reymond
Raya, 1987 (Malaysia), Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Chief Operating Officer
Republik Singapura dan Akta Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90) Negara
Brunei Darussalam
CERTIFICATE OF INSURANCE

This Certificate is not transferable to a new owner of the Vehicle.

If for any reason the Insurance is terminated during its currency this Certificate must be returned to the Company or if this
Certificate has been lost or destroyed a Statutory Declaration to that Effect must be made. Failure to comply with this
obligation is an offence under the compulsory Insurance Legislation.
This Certificate must be returned if the Insurance is suspended during its currency.

SIJIL INSURANS

Sijil ini tidak boleh dipindahkan kepada pemilik baru Kenderaan.

Jika atas sebarang sebab Insurans ini ditamatkan semasa ia masih berkuatkuasa Sijil ini mesti dipulangkan kepada
Syarikat atau jika Sijil ini telah hilang atau dimusnahkan, satu Pengakuan Berkanun menyatakan demikian mesti dibuat.
Kegagalan untuk mematuhi kewajipan ini adalah satu kesalahan di bawah Undang - Undang Insurans wajib.
Sijil ini mesti dipulangkan jika Insurans digantung semasa ia masih berkuatkuasa.

IMPORTANT NOTICE

If you are involved in an accident causing injury to any person or damage to any property or other vehicle you must :
(a) Try to obtain names and address of any witness to the accident.
(b) Report to the Company immediately.
(c) Refer to the Company immediately all communications received from the Police Authorities.
(d) Send to the Company immediately all letters from Third Parties unanswered.
(e) Not to pay money to any Party involved in the accident without the Company's written permission.

NOTIS PENTING

Sekiranya anda terlibat di dalam sebarang kemalangan yang menyebabkan kecacatan kepada sesiapa atau kerosakan kepada
sebarang harta benda atau sebarang kereta anda mesti :
(a) Cuba mendapatkan saksi-saksi kepada kemalangan itu.
(b) Melaporkan kepada Syarikat dengan segera.
(c) Merujuk kepada Syarikat dengan segera segala perhubungan yang diterima daripada pihak berkuasa Polis.
(d) Mengirimkan kepada Syarikat dengan segera semua surat - surat yang diterima dari pihak - pihak lain tanpa berjawab.
(e) Jangan membayar wang kepada sebarang pihak yang terlibat di dalam kemalangan itu tanpa mendapat kebenaran bertulis dari
Syarikat ini.

I / We hereby certify that the Policy to which the Certificate is issued in accordance with the For and on behalf of / Untuk dan bagi pihak
provisions of Part IV of the Road Transport Act, 1987 (Malaysia), Motor Vehicles (Third Party Zurich Insurance Malaysia Berhad
Risks & Compensation) Act (Cap 189) Republic of Singapore and the Motor Vehicles Insurance
(Third Party Risks) Act (Cap 90) Negara Brunei Darussalam.

Saya / Kami dengan ini mengesahkan bahawa Polisi yang berkaitan dengan Sijil ini
dikeluarkan selaras dengan peruntukan - peruntukan Bahagian IV Akta Pengangkutan Jalan Daniel Reymond
Raya, 1987 (Malaysia), Akta Kenderaan Motor (Risiko Dan Pampasan Pihak Ketiga) (Cap 189) Chief Operating Officer
Republik Singapura dan Akta Insurans Kenderaan Motor (Risiko Pihak Ketiga) (Cap 90) Negara
Brunei Darussalam
Motor Insurance Policy
Private Car
Coverage for each type of cover What you should know when buying motor
TYPES Third Third party, Comprehensive insurance cover
party fire & theft cover
cover cover Insurable Interest
COVER Make sure that you buy cover as soon as you purchase a
Liabilities to vehicle. If you buy a used car, you should protect your interest
third party for: by purchasing a motor insurance cover as the cover of the
- injury previous owner is no longer valid even if legal ownership
- death transfer has not been effected with Jabatan Pengangkutan
- property loss/
Jalan (JPJ).
damage
Loss/ damage Insured Value/Sum Insured
to own vehicle
due to
accidental fire/
X Ensure your vehicle is adequately insured.
New vehicle: sum insured = purchase price.
theft Others: sum insured = market value of vehicle when policy is
Loss/ damage bought.
to own vehicle
due to accident X X Under-insurance: if sum insured is less than the market value,
you are deemed as self-insuring the difference. In the event of
Liabilities to
driver &
passengers of
own vehicle
X X X a loss, you will only be partially compensated.

Over-insurance: if sum insured is higher than market value,

(property, bodily maximum compensation is the market value of the vehicle.
injury, death) You cannot profit from a claim (principal of indemnity).

Determination of market value of your vehicle is important to

Exclusions
Your standard motor insurance policy DOES NOT
cover:
- Your own death or bodily injury;
- Your liability against claims from your passengers;
- Theft of non-factory fitted vehicle accessories (car stereos,
leather seats, sports rim, etc.) unless otherwise declared.
- Consequential loss, depreciation, wear and tear,
mechanical or electrical breakdown failures or breakages;
and
- Loss/damage arising from an act of nature e.g. flood,
landslide.
However, you may pay additional premiums to cover some of
the above exclusions e.g. flood or your liability against claims
from your passengers. Windscreen and vehicle accessories
covers are also useful extensions to consider for preserving
your No-Claim-Discount (NCD) in the event of a loss/damage.
Please check for other exclusions and extension covers
available with your insurance company/ agent.
avoid under-or over-insurance.
Average Clause
It is applied when you suffer damage to your vehicle which is
under-insured. Your claim will be reduced proportionately by
the uninsured portion, e.g. if you have insured your vehicle up
to 70% of the market value, the insurance company will only
pay 70% of the total repair cost.
Disclosure
Disclose all material facts, e.g. any previous accidents and
modification to engines. If you fail to do so, your insurance
company may refuse your claim or any claim made by a third
party against you. In such cases, you are personally liable for
those claims.
No-Claim-Discount
The premium payable may be reduced by your NCD
entitlement. NCD is 'awarded' if no claim was made against
your policy during the preceding 12 months of policy. Your
NCD entitlement will depend on the class of your vehicle and
number of years of continuous driving experience without any
claim made against your insurance policy. You will lose your
entire NCD entitlement once an own damage or a third party
claim is made against your policy.

Facts
Excess
It is the amount of loss you have to bear while your insurance
company will pay for the balance of your vehicle damage
claim. If you have an 'excess' on your policy, you must pay the
amount of the 'excess' direct to the repairer.
Payment of Premium
- Premium must be made to the agent representing your
insurance company or to your insurance company directly
before cover can be granted.
- Payment can be made by cash, credit card or cheques
(cheques should be made payable only in the name of the
insurance company).
- Insist on a receipt for the premium paid to your insurance
agent or insurance company.
- With the full implementation of the JPJ eINSURANS
system with effect from 2 January 2005, physical cover
notes are no longer issued. However, a statement
containing details of your motor cover will be issued to you
as confirmation of purchase of motor insurance.
- Through the JPJ eINSURANS, all information on insurance
coverage will be channelled electronically by your agent/
insurance company to JPJ.
What you should know when making a
claim
If your car is involved in an accident:
- Take note of the names and addresses of all drivers
involved, make/model and registration numbers of each
vehicle, the drivers' licence numbers, the insurance
particulars and names and addresses of witnesses.
- Make a police report within 24 hours and immediately
notify your insurance company in writing with full details.
- If your vehicle is damaged, you may either make an own
damage claim or a third party claim:
Own damage claim - making a claim against your own
comprehensive policy. However you will lose your NCD
entitlement.
Third party claim if you are not at fault in the accident,
you can submit the claim either directly to the insurance
company of the party at fault, or if you have a
comprehensive policy, to your insurance company,
without losing your NCD entitlement. You are
encouraged to submit your claim to your own insurance
company for speedier claims processing.
- For own damage claims, call your insurance company
immediately for advise. If your insurance company
recommends or requires that repairs be done at a panel/
authorised workshop, then take your vehicle there as
advised. Your insurance company will reject your claim if
your vehicle is sent to a workshop that is not authorized by
your insurance company. Your insurance company will
send an insurance loss adjuster to access the damage to
your vehicle before authorising the repairs.
Betterment
It is applied when in the course of repairing an
accident-damaged vehicle (age of vehicle is five years and
above), an old part is replaced with a new franchise part. You
will have to bear the difference in cost (depending on the age
of your vehicle) as your repaired vehicle is in a better condition
than it was before the accident.
Compensation for Assessed Repair Time (CART)
- CART means a reasonable amount payable by third party
insurance companies as compensation for loss of use of
vehicle.
- The number of days allowed for CART is based on
insurance loss adjuster's recommendation on the number
of working days estimated to repair the
accident-damaged vehicle and not the number of days
the accident-damaged vehicle is at the workshop.
- Where receipts are produced for vehicle rentals (only
from a licensed car rental company), insurance
companies shall pay the amount shown on the receipt and
original car rental agreement, subject to the condition that
the vehicle rented is of an equivalent model to that of the
damaged vehicle. The number of days allowed is based on
the insurance loss adjuster's recommendation on the
number of working days estimated to repair the
accident-damaged vehicle.
How to lodge a complaint and redress
avenues available
For more information, log on to
www.insuranceinfo.com.my
or visit the kiosks at most branches of insurance
companies or contact your agent