What does Allianz Motor Comprehensive Insurance cover?
Allianz Motor Comprehensive Cover protects your own vehicle against accidental damage, fire, and theft, plus your liabilities to third parties for death, bodily injury, and property damage.
Private car policyholders also get Allianz Road Rangers included free. After an accident, a Bike Brigade comes to the scene while a tow truck is dispatched at the same time. A claims concierge guides you through the police report process, your car gets towed to an Allianz Authorised Panel Repairer, and you get an e-hailing voucher to get home. Repairs at panel workshops come with a 2-year service warranty and genuine replacement parts.
This policy has also been enhanced under the Rahmah Insurance Initiative with three additional benefits at no extra charge: Death and Permanent Disablement Benefit of up to RM5,000, Hospital Income of up to RM3,000, and a one-time Compassionate Flood Coverage payout of up to RM3,000. These benefits apply to vehicles with an engine capacity of 1,500cc and below and a Sum Insured of RM30,000 and below.
What is NOT covered under the base policy?
The standard policy does not cover your own death or bodily injury from a motor accident, your liability towards passengers in your vehicle, or loss and damage arising from an act of nature such as flood, storm, or landslide, unless the policy has been extended with Special Perils cover. The Rahmah flood payout is a separate personal cash benefit and does not replace vehicle flood damage cover.
Can I extend my coverage?
Yes, for an additional premium you can add on:
- Windscreen cover — claim for cracked or damaged windscreens without affecting your NCD
- Legal Liability to Passengers — covers claims brought against you by your own passengers
- Special Perils — extends cover to flood, landslide, rainstorm, and other acts of nature
- Strike, Riot and Civil Commotion — covers damage to your vehicle from civil unrest
Do I need to renew this policy every year?
Yes, Allianz Motor Comprehensive Insurance is an annually renewable policy.
What terms and conditions should I know about?
Disclose all material facts when taking out this policy — your claims history and any vehicle modifications, particularly engine changes, as these affect your premium. Other rating factors include your age, gender, occupation, and location.
Your vehicle must also be insured at the appropriate sum. If your car is five years old or older, a betterment cost applies when new original parts are used in repairs, meaning you pay the difference in value between old and new parts. Coverage only starts once Allianz has received your premium payment, so settle payment before your existing policy expires.
