What is AmDrive Plus Insurance about?
AmDrive Plus is a comprehensive motor insurance plan for private cars. It protects your car against loss or damage due to fire, theft, or accidents.
It goes beyond basic car insurance by offering additional protection, such as Personal Accident coverage for you and your passengers, and a comprehensive 24-hour Auto Assist service. The goal is to give you financial security and peace of mind when driving.
What are the covers or benefits that you can get from AmDrive Plus Insurance?
AmDrive Plus provides three main categories of benefits:
- Comprehensive Motor Coverage:
- Covers the cost of repair or replacement if your car is damaged by fire, theft, or accident.
- Covers your legal responsibility (liability) if you injure someone or damage their property in an accident.
- Personal Accident Coverage:
- Provides a payout if you or your passengers suffer accidental death or Permanent Disablement (loss of use of a body part).
- The sum insured can be doubled if the accident happens in your named vehicle on a national public holiday in Malaysia.
- 24-Hour Auto Assist Service:
- Offers free towing service after an accident.
- Provides free minor roadside repair services, such as battery change, fuel delivery, and flat tyre change.
- This service is available 24 hours a day, 7 days a week.
What are the unique features of this insurance plan?
The AmDrive Plus plan includes several unique features to make your protection stronger and more convenient. You can use the AmAssurance mobile app to immediately report accidents, submit photos, and get advice on the go. If you have an accident, a 24-Hour Accident Towing service is provided for free to take your car to an approved workshop. The policy may also offer a Waiver of Compulsory Excess, meaning the amount you normally have to pay first for a claim may be removed, depending on your age and the repairer you choose. Finally, the benefit amount you receive is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to a certain limit, adding an extra layer of security.
Can I cancel the policy after purchasing it?
Yes, you can choose to cancel your AmDrive Plus policy. To do this, you must give written notice to the insurance company, Liberty General Insurance Berhad. The company needs this notice at least 14 days before the date you want the cancellation to start. If you cancel, your refund is calculated based on the part of your insurance period that you did not use. This calculation uses a short-period basis. The insurer is allowed to keep a minimum premium, which means you may not receive a refund for the full period after the cancellation date.
The benefit(s) payable under this eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact Liberty General Insurance Berhad or PIDM website.
