What does MSIG Comprehensive Motor Insurance cover?
With MCIS Comprehensive Motor Insurance, your finances won't suffer when your vehicle suffers damage resulted from a road accident or fire and explosions - haven't you read about the many road accidents caused by nearby contruction as of late?
This comprehensive coverage also extends to your liability against injury, death, and damage to property belonging to other people such as their car or home. It'll even help you pay for your legal fees if brought to court!
Need to get back on the road fast? No problem - whenever your car breakdowns in the middle of the road, MSIG has a dedicated team that's available 24 hours a day to provide roadside assistance - they can help you with minor repairs and towing.
Can I transfer my NCD in full from another insurer?
Yes absolutely, your NCD is attached to your car, not the insurance company you have an existing car insurance policy with. Be rest assured that your hard-earned NCD will be transferred to MSIG at no cost when you purchase a motor insurance with them and let them to worry about the process, not you.
What other benefits do I enjoy from this insurance?
To free your mind from unwanted worries, any repair done on your vehicle arises from own damage claim is guaranteed 6 months warranty as long as the repair job is done at an MSIG panel workshop.
In case of an emergency and you simply have no time to tell your family, MSIG will send out messages to quickly tell your loved ones about the situation at your request.
Other than that, you can also opt to but additional protection to prepare for uncertainties and risks such as:
- Windscreen damage
- Coverage for all drivers
- Legal liability to passengers
- Strike, Riot and Civil Commotion
- Natural disaster (flood, storm, landslide and more)
What are the general exclusions of this insurance that I have to be aware of?
The MSIG Comprehensive Motor Insurance does not provide coverage as far as your physical well-being is concerned, theft of non-factory fitted vehicle accessories, wear and tear and most importantly depreciation of your vehicle.
There is also an excess of RM400 that you have to pay out of your pocket in case of a claim under the following circumstances:
- Your vehicle is driven by a person not covered under your insurance
- A person of age below 21 years who has been named in your policy
- Driver with provisional (L) driving license
- Driver with full driving license of less than two years