Underwritten by Lonpac Insurance Berhad

Lonpac Third Party Private Vehicle

A third party only motor insurance plan that will pay for your legal costs whenever you get in trouble for any damage or loss to other people's cars or property.

    • 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?

Lonpac Hotline
Claim Assistance Hotline
Roadside Assistance & Emergency Hotline


What makes this insurance policy stand out?

Cover Type
Third Party


What can I claim from this insurance policy?

CoveragePrivate CarsCommercial CarsMotorcycles
Bodily Injury 
Did you cause an accident where somebody got hurt?
unlimited coverageNot coveredNot covered
Loss or Damage of Property 
Negligent on the road? Give compensation to other pedestrians or motorists
up to RM3000000Not coveredNot covered
Legal Costs 
Lawyer fees when you're the defendant in court
up to RM2000Not coveredNot covered
Accidental Death 
Do not add to fatalities on the road. Stay focused behind the wheel
unlimited coverageNot coveredNot covered
Add-on CoveragePrivate CarsCommercial CarsMotorcycles
Legal Liability to Passengers 
Protection against legal action brought against you by your passengers
CoveredNot coveredNot covered

Frequently Asked Questions about Lonpac Third Party Private Vehicle

Things you might want to know

What are the benefits provided by Lonpac Third Party Private Vehicle insurance?

This would be an ideal motor insurance plan for those who wish to have themselves shielded from liability against injury or death to others on the road, including damages caused to their cars and houses. This protection will last for 1 year, and you will have to renew your insurance cover annually.

How much premium do I have to pay?

There are several factors that go into the calculation of your premiums, therefore you will need to have a sit down with your adjuster about what exactly affects your rates. Some of the factors involved in the risk assessment are as follows; However, they may be subject to change at any given time. 

  • Value of the vehicle
  • Engine capacity
  • Loading
  • Sum Insured
  • Age of Driver
  • Gender of Driver
  • Occupation/Education of Driver
  • Place of Residence
  • Claim History

What are the major exclusions under this policy?

The first thing to remember before making a claim is that a third party motor insurance such as this one will not cover loss or damage caused by to your vehicle, accident or otherwise. Other than that, you won't be able to claim for your injuries due to a motor accident, claims against you made by your own passengers (yes, your mom can sue you in court too!), or loss and damage caused by natural disasters - floods are a major problem in some cities in Malaysia, so you'd probably want to opt for a comprehensive motor insurance plan instead!

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