What protection will I get from the AmGeneral Private Motor Insurance?
If you think third party only car insurance is not enough, the AmGeneral Private Motor Insurance will do you alot of good! This policy will include a combination of Act and third party cover. That means you'll be covered for any injury or death caused to third party individuals, be it another motorists or pedestrian. The amount covered under this cover is unlimited.
But the number one reason why you'd want to get a comprehensive car insurance is to insure your own car, and that's exactly what you'll get - you will be able to claim for accidental collision and other perils such as fire.
What kind of vehicles can I cover with this motor insurance policy?
There are three types of vehicles you can insure with the AmGeneral Private Motor Insurance, which are Private motor car, Commercial Vehicle, and Motorcycle.
So whether you're a road warrior riding your big bike all over town, or just need to send your kids to school everyday, you are eligible for this insurance plan. The only difference will be that you have specialized rates that will be determined by various factors including the make and age of your vehicle, your age, gender, occupation, location and your claims history.
What kind of loss or damage to my own vehicle will it cover?
Good question! First and foremost, you can claim for any damages caused by road accidents - you can restore your car to tip top shape by sending it to one of AmGeneral's panel workshops for easy claims.
If you're afraid of your car being stolen, or you always find yourself parking at for a lack of a better word, dodgy places, you can be protected against any burglary and theft. Lastly, if you're moving state, your vehicle will be insured when in transit via road railway or when being shipped between Pulau Pinang and the mainland.
How about the main policy exclusions?
You absolutely cannot claim for any depreciation, wear, rust, or mechanical breakdowns - because really, it's probably because you didn't take care of it enough!
Here's an interesting one: You cannot claim for your vehicle's tires UNLESS the vehicle itself has been damaged at the same time!
Are there any add-on benefits for the AmGeneral Private Motor Insurance?
Of course there are, and of course, you'll have to pay a little bit extra! Here's what you can get:
- Legal Liability to Passengers
- Windscreen damage
- Car radio or cassette player
- Strikes, Riot and Civil Commotions (SRCC)
- Natural disasters such as flood or landslide
- Additional insured drivers