Underwritten by AmGeneral Insurance Berhad

Kurnia Comprehensive Motor Insurance

You rely on your car to take you everywhere, so rely on Kurnia to give it the protection it deserves. Have the benefit of 24-hour roadside assistance for breakdown and accidents.

    • 24/7 Free Towing Up To 50 KM
    • 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?

Kurnia Hotline
Claim Assistance Hotline
Roadside Assistance & Emergency Hotline


What makes this insurance policy stand out?

Cover Type
Additional Towing Charges
starting from only RM2 per km
Reminder Services
get email and text notifications about policy renewal and bill due dates
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?
CoveredNot coveredCovered
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
CoveredNot coveredCovered
Accidental Death 3rd party only
Do not add to fatalities on the road. Stay focused behind the wheel
CoveredNot coveredCovered
Add-on CoveragePrivate CarsCommercial CarsMotorcycles
Windshield cracked, scratched, or simply broken? Claim without losing NCD
CoveredNot coveredCovered
Strike, Riot, and Civil Commotion 
There's a riot going on! You're covered for damage
CoveredNot coveredCovered
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

Frequently Asked Questions about Kurnia Comprehensive Motor Insurance

Things you might want to know

What is Kurnia Comprehensive Motor Insurance all about?

Kurnia Comprehensive Motor Insurance will have your bank when you are legally liabile for bodily injury or property damage to a third party, be it a random stranger walking her dog, or a daredevil on a motorbike. This motor insurance also provides cover for your own speed machine against loss or physical damages due to accidental fire, road collision, or over-turning. 

What are the benefits of a Comprehensive policy?

By taking this plan, you will get to enjoy the Kurnia Auto Assist, a 24-hour assistance service for breakdowns and accidents, exclusively for private cars. Get help when you're stuck with a flat tire or a dying engine on the highway or at your driveway.

What time of vehicle does this policy cover?

There are 3 types of vehicles you can have covered under this car insurane policy:

  1. Private vehicle such as private vans and four wheel drives (for private use).
  2. Goods carrying vehicles such as commercial goods carrying vehicle with "A" and "C" permit, also petroleum, diesel and bitumen tankers, LPG long trailer and low loaders with "A" and "C" permit.
  3. Other type of vehicle such as taxis, buses, motorcycles, tractors, and cranes.

How is my premium calculated?

Your premium is calculated according to the Motor Tariff set out by Persatuan Insurans Am Malaysia ( PIAM) based on the following attributes:

  • Use of vehicle (Private Car, Goods Carrying Vehicle, Buses, Taxis)
  • Cubic capacity or size of engine
  • Age of vehicle - becareful trying to insure a car over 15 years old!
  • NCD Allowed
  • Sum Insured
  • Number of Authorised drivers

What are the optional benefits available under this policy?

You will enjoy the following extended benefits with additional premium:

  • Windscreen - this covers the breakage of windscreens, front, rear, and side windows. The damaged windscreen will be replaced and your NCB will not be affected. An additional 15% of your amount insured will be charged for this coverage.
  • All drivers coverage - this benefit is only applicable for private use vehicle registered under a company or organization. It allows any authorized person to drive your car. RM50 premium is charged per vehicle.
  • All riders coverage - this benefit covers unnamed riders who are not stated in your policy. A 50% loading on your basic premium will be charged.
  • Legal liability to passengers - this coverage protects you against legal liability to your passenger in the event of a claim. 25% of the third party premium will be charged.
  • Strike, Riot, and Civil Commotion - we think that this benefit is pretty self-explanatory! A premium of 0.3% of the sum insured on your vehicle is charged.
  • Legal liability of passengers - this covers the legal liability of passengers for acts of negligence. A premium of RM7.50 is charged per car.

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