What coverage will I enjoy with Allianz's Comprehensive Motor Insurance?
This car insurance plan from Allianz is the complete package, from protection against third party injury or death to propery damage to damage to your own vehicle due to motor accident - why fork out a fortune sending your car for repairs when you can claim from your motor insurance policy?
During what situations can I NOT claim?
Your basic policy will not have your back for your own injuries or death due to a motor accident, your liability towards the well-being of your passengers, and damage or loss of your car in the event of a flood, rainstorm, or landslide.
Can I pay more for the above exceptions to be covered?
To have complete peace of mind, whether you're driving out for groceries or going on a road trip all the way to Ipoh, you can pay a little bit extra for a whole lot of coverage, such as:
- Windscreen damage - get yours replaced at approved windshield specialists nationwide.
- Passenger liability cover - allow your policy to pay out to your passengers who are injured
- Special Perils such as a flood, landslide, rainstorm, and even...earthquakes (however uncommon they are in Malaysia)!
- Strike, Riot and Civil Commotion - don't just park your car anywhere. Check social media for any protests going on near you!
Do I need to renew my motor insurance every year?
Your Allainz Comprehensive Motor Insurance is an annually renewable insurance policy for your vehicle.
What important terms and conditions must I be aware of?
Before signing on the dotted line, you must disclose all material facts such as your claims history and any modifications that you've done to your car, especially the engine because your engine size will influence your premium payment. There are also a few other risk factors that might influence your premiums as well, so keep in mind that Allianz will take into consideration your claims history, age, gender, occupation and location when calculating your rates.
Speaking of premiums, it must be paid and received by Allianz before you can be covered and make any motor claims.