What is Hong Leong Comprehensive Motor Insurance all about?
It's very disheartening to see a brand new vehicle that costs a bomb getting stolen a month, week, or even days of being bought!
Worst yet, imagine being in a more grievous mishap where you're liable to pay for injury suffered by another motorist or pedestrian - digging deep into your savings to pay for expensive medical bills will only leave your financial plans in ruins.
How else can you muster up a smile in these situations if not for a comprehensive motor insurance policy that's got your back when your car's been stolen, damaged in a fire, wrecked due to a road accident, or when you're liable for any injury or death caused to a third party!
So, what makes this car insurance stand out from the rest?`
Your car broke down in the middle of a busy highway? Not to worry - in the unfortunate event of an accident, MSIG Motor Assist is at your side to give you a helping hand.
You are entitled to MSIG's roadside service assistance without any surcharge to your policy premium. Get instant access to trusted mechanics ready to help you whenever the need arises.
That's not all - you will also enjoy MSIG's 24-Hour Call Centre Service. A dedicated hotline manned by a team of experienced customer service officers to help with your claims and to mobilise roadside assistance services.
Lastly, there is a 24-Hour Towing & Emergency Roadside Repair Services ready for you when your vehicle breaks down to help with minor repairs and tow your vehicle to a MSIG panel workshop for further inspection.
MSIG Motor Assist will bear an amount up to RM300 per incident for towing and any labor costs for on-site breakdown repairs only, excluding replacement of parts.
There's MORE - Special Perils Add-ons!
This policy also offers optional benefits for your private car in which you can purchase by paying additional premium.
You have the option to purchase a Full or Limited Special Perils cover to protect your car from damage caused by convulsion of nature such as flood, typhoon, hurricane, volcanic eruption, earthquake, landslide among others.
The difference is that the Sum Insured for a Limited Special Perils will be lesser than a full one.
So, in the event if you decide to purchase a Limited Special Perils cover, bear in mind that you're responsible to pay any repair cost that is greater than the Limited Special Perils would have covered.
However, some coverage is better than no coverage at all. If the Full Special Perils cover is too costly for you, do opt for the Limited Special Perils which is non-tariff.
Smart Key Shield Add-On
Get extra peace of mind when your Smart Car Key is lost or damaged.
This Non-Tariff Add-on covers the cost to repair, replace and/or reprogram your Smart Car Key in the event if it is stolen, lost or accidentally damaged. Here are the details:
Coverage: One Smart Car Key for your car.
Premium: Paying 12% of the Sum Insured of your Smart Car Key.
Smart Car Key: Keys associated with keyless entry or keyless start vehicles.
Any other charges or fees that I have to pay?
In order for your policy to come into effect, all you have to pay is the premium as stated in your insurance policy. Your premium is inclusive of the following fees:
- Commissions paid to the insurance agent - that's 10% of gross premium
- Stamp duty of RM10
- Goods and Service Tax ( GST) of 6%
Is there any panel workshop in Sabah or Sarawak?
Yes definitely! MSIG's members of reputable panel workshops are located all around Malaysia - there are more than 40 workshops in East Malaysia alone!
To assist you even further, you will enjoy free towing service to your home or your preferred repairer up to RM400.
How about important terms and conditions that I need to be mindful of?
You're responsible to disclose all accurate and complete information such as past claims experience and your personal details when you are purchasing this insurance with Hong Leong Bank.
If there are any changes to the information that you have provided, the first thing that you shall do is to contact the Hong Leong Bank and inform them of the changes.
How do I make a claim to Hong Leong Bank?
In the event of an accident, you must notify Hong Leong Bank with particulars of the accident such as vehicles involved, date of accident, and a brief description of what hapenned within 7 days or 30 days if you are hospitalised or physically disabled to do so.