Hong Leong Bank

Underwritten by MSIG Insurance (Malaysia) Berhad

Hong Leong Comprehensive Motor Insurance

Have peace of mind knowing that your car is covered in the event of flood, storm and even damages to your Smart Car Key! What's better, you have access to 24-hour roadside assistance and on-site repair services!

    • 24/7 Free Towing Up To RM200
    • Up To 0 Free Drivers
    • Up To 55% No-Claim Discount
    • Excess from just RM400
    • Refund On Early Cancellation
    • 24/7 Roadside Assistance

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How To Claim

Who do I call to make a claim or state an emergency?

Claim Assistance Hotline


What makes this insurance policy stand out?

Cover Type
Warranty On Claims
get compensation for faulty repair or replacement parts
Alternative Travel Assistance
get help with transportation, healthcare referral, and hotel bookings when on the road
0% Repair Cost
for vehicles aged 5 years and below


What can I claim from this insurance policy?

CoveragePrivate CarsCommercial CarsMotorcycles
Bodily Injury 3rd party only
Did you cause an accident where somebody got hurt?
unlimited coverageNot coveredunlimited coverage
Loss or Damage to Your Own Vehicle 
Claim if your car's been stolen or wrecked due to road accident or fire
CoveredNot coveredCovered
Loss or Damage of Property 3rd party only
Negligent on the road? Give compensation to other pedestrians or motorists
up to RM3000000Not coveredup to RM3000000
Legal Costs 
Lawyer fees when you're the defendant in court
up to RM2000Not coveredup to RM2000
Accidental Death 3rd party only
Do not add to fatalities on the road. Stay focused behind the wheel
unlimited coverageNot coveredunlimited coverage
Add-on CoveragePrivate CarsCommercial CarsMotorcycles
Windshield cracked, scratched, or simply broken? Claim without losing NCD
CoveredNot coveredNot covered
Special Perils Cover 
Driving in dangerous conditions? You're covered for floods, typhoons, and landslides
CoveredNot coveredNot covered
Strike, Riot, and Civil Commotion 
There's a riot going on! You're covered for damage
CoveredNot coveredNot covered
Legal Liability of Passengers 
Cover for bodily injury caused by your passengers
CoveredNot coveredCovered
Legal Liability to Passengers 
Protection against legal action brought against you by your passengers
CoveredNot coveredCovered
Compassionate Flood Expenses 
Can't drive your car away when it's stuck in a flood
CoveredNot coveredNot covered

Frequently Asked Questions about Hong Leong Comprehensive Motor Insurance

Things you might want to know

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?

When your car broke down in the middle of a busy highway, Hong Leong Bank has got you covered via MSIG Motor Assist.

Just phone the Motor Assist Hotline at 1300-88-0833 to repair a minor breakdown or to tow your vehicle to a nearby MSIG panel workshop for further inspection and get instant access to trusted mechanics.

Enjoy a free towing service and any labor costs for on-site breakdown repairs only (excluding replacement of parts) for up to RM200 per incident, by MSIG Motor Assist.

That's not all, a dedicated Customer Service Hotline at 1800-88-6744 is also up for 24 hours to attend to your questions about your policy, your claim processes and many more.

Special Perils Add-ons!

This policy also offers optional benefits such as Full or Limited Special Perils by paying additional premium. This optional benefits cover 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, which mean 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:

  1. Commissions paid to the insurance agent - that's 10% of gross premium
  2. Stamp duty of RM10
  3. Service Tax 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. 

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