Malaysia Motor Insurance
Windscreen Covers the breakage of glass in windscreens, front, rear and side windows.
Flood, Storm, Landslide, Landslip or Subsidence Cover and Damage by falling Tree.
Strike, Riot & Civil Commotion (RSMD) Covers the vehicle against damaged caused by strike, riot and civil commotion.
Additional Driver Name (3rd name & above)
or All Driver Coverage for Private Use vehicle registered under company/organisation) Premium Charged – RM 50 per vehicle)
Legal Liability of Passengers – Private use Vehicle Cover the legal liability of passengers for acts of negligence.
Legal Liability to Passengers – Private Use Vehicle Cover protects the Insured against legal liability to the passenger in event of a claim. (Premium Charged – 25% of Third party premium. Basic premium up to 5 persons only.
Driver’s Personal accident Insurance Premium Charged inclusive RM 10 Stamp Duty from RM 70.00
Daily Cash Allowance You will be covered for first 10 days while your car in the workshop. Plan RM 50.00 to RM 200.00 Daily Cash Allowance Premium Charged – RM 50.00 to 200.00 (Annual)
Spray Painting of Whole Car You will have a choice to spray paint the whole car even thought the own damage repair only allow for the spray painting of the damaged part of the car.
Waiver of Betterment Cost (Own Damage Accident Claim) Your contribution towards the cost of new parts replacement will be borne by insurer.
ACPG Motor Assist (*Free Service for all Private Use Vehicle)
Our Principal Insurers,
Daily cash allowance; Waiver of betterment cost; Option of spray painting of whole car
Please note that Daily Cash Allowance is paid to you whilst Waiver of Betterment Cost and Spray Painting of Whole Car are stated in our offer letter for the own damage claim.
If you intend to make a third party claim:
Notify the other driver and/or owner who was involved in the road accident with your insured vehicle in writing about your intention to make insurance claim against him.
In the event you are involved in a road accident causing personal injury or death to any individuals including passengers in your insured vehicle at the time of accident, and if you have purchased for such cover, please ensure you follow the following guidelines:
Accident must be reported to the police within 24 hours after the road accident; Notify us of the accident immediately; Do not admit liability to anyone; Do not enter into any negotiations without our prior consent; Should you receive any letter and /or summons from the third party’s solicitors, please inform us immediately; You may speak to your insurance broker or our authorized agent to seek clarification
loss or damage to your vehicle due to accident collision (own damage) or overturning. loss or damage to your vehicle due to fire explosion or lighting, malicious act and burglary. vehicle theft. claims for bodily injuries or death caused to other persons (third party). claims for loss or damage to third party property.
The above standard motor insurance do not cover certain losses, such as:
your own death or bodily injury due to a motor accident. your liability against claims from the passengers in your vehicle. loss or damage arising from acts of nature, such as flood, storm and landslide. However, you may pay additional premiums to extend your policy to cover beyond the standard motor insurance.
MOTOR INSURANCE MALAYSIA
- Any loss or damage to vehicle as a result of theft, fire, explosion, lightning, malicious act, impact damage due to accidental collision and
- Any liability claims from third party for property damage and /or bodily injury arising out of the use of the vehicle.
- Legal liability to passengers ( LLOP ) – 25% of third party basic premium for first 4 passengers.
- Legal Liability of Passengers for Act of Negligence – RM 7.50 per car
- Windscreen damage cover – Each RM100.00 X 15%
- Flood, windstorm, rainstorm, landslip, Typhoon, Hurricane, Storm, Tempest, Volcanic, Earthquake, Landslide, Landslip or other Convulsion of Nature – 0.5% of sum insured
- Strike, riot and civil commotion Cover – 0.3% of sum insured
- Radio cassette/CD player
- All driver ( applicable to Company / Organisation Policy only ) – RM50.00 per vehicle
Comprehensive policy This is the broadest insurance cover available under the motor tariff and it covers the insured against:-
Additional benefits are also available subject to a small additional premium
No claim discount ( NCD )
Insurer shall upon granting the NCD, confirms the NCD with the insured’s previous insurer and if it is discovered that the NCD is incorrect, the insured shall pay the difference within 14 working days, failing which the policy may be cancelled by the company
NCD ENTITLEMENT for PRIVATE USE only
|After 1st year||25%|
|After 2nd year||30%|
|After 3rd year||38.33%|
|After 4th year||45%|
|After 5th year||55%|
Transfer of ownership
When a vehicle is transferred to a new owner, a fee of RM10.00 ( for all classes) will be charged for the transfer of the insurance policy. NCD is not transferable.
Short Period Cover
All policies which are renewed / extended for less than one year are subject to the following short period rates :-
|Not exceeding 1 week||1/8 of the annual premium|
|Not exceeding 1 month||1/4 of the annual premium|
|Not exceeding 2 month||3/8 of the annual premium|
|Not exceeding 3 month||1/2 of the annual premium|
|Not exceeding 4 month||5/8 of the annual premium|
|Not exceeding 6 month||3/4 of the annual premium|
|Not exceeding 8 month||7/8 of the annual premium|
|Exceeding 8 month||Full annual premium|
SECURE YOUR VEHICLE
Lock your vehicle. Never leave the vehicle key inside the vehicle unattended. Never leave your vehicle’s engine running, even if you will only be away for a minute. Vehicles are commonly stolen at convenience stores, petrol stations, ATMs and outside house compounds when owners leave the vehicle engine running to run errands or to unlock house gates. Ensure your vehicle windows are properly closed up. Do not leave valuables in your vehicle. However, if you have to, place valuables out of sight in the boot. Ensure that no one sees you placing valuables in the boot.
Park in well-lit areas – vehicle theft usually occur at night under the cover of darkness. Park in attended lots – vehicle thieves do not like witnesses and prefer unattended parking lots. Park your vehicle in the compound of your house rather than outside. Lock both your vehicle and the gate for improved security.
Professional thieves are able to steal any vehicle. However, you can make it difficult for them to steal your vehicle. The more layers of protection on your vehicle, the more difficult it is to steal. Your budget and personal preferences should determine how many layers of protection and which anti-theft devices are best for you. Generally available anti-theft devices are: Engine immobilizers Better door and ignition locks Security patterned or coded keys Radio/CD players with security code or removable face plates Window etching Car alarm Steering wheel/gear/brake pedal locks Tracking devices
How about that a motor vehicle is stolen every 45 seconds in the Malaysia and that only 57 percent of stolen vehicles are ever recovered? ACPG Motor Fans Club wants to make sure you do everything you can to prevent your car from being stolen by providing a few helpful facts and tips.
How to Prevent Your New Car from Being Stolen
According to the statis, 40 to 50% of car theft is due to the driver’s error, so taking a few preventative measures can go a long way in protecting your car from theft.
• Don’t forget to take your keys! Many times people are in a rush and they leave their keys in the ignition or on the seat or on top of the car. This is especially easy to do with keyless entry technology that comes with many newer cars
• Lock all the doors, roll up all the windows, make sure the trunk is locked and don’t ever leave the vehicle running, even for a short errand. This is your first line of defense; don’t make your car an easy target for thieves.
• Park in areas that are well lit, open and populated. Park in view of a security camera, security guard or parking attendant, when possible. Park in your garage if you have one. And don’t leave your car in a parking lot for an extended period of time.
• Don’t leave valuables in the car, and never have them visible. It’s a no-brainer for a car thief, to choose the car with the iPod and GPS in plain view, versus a car with nothing valuable visible?
• Get a protective device: An audible car alarm, a steering wheel and brake and wheel locks all create an extra step for thieves, which can scare them away, or make them opt for an easier target. There are also electronic devices that prevent thieves from hot-wiring your car, or devices that cut off the flow of electricity or fuel to the engine.
• Have your VIN number etched into your window. Having your vehicle identification number (VIN) etched on all the windows on your car makes the thief think twice about taking your car because it is easier for the police to trace and recover the vehicle. Law enforcement agencies will sometimes offer free window etching events.
Close your windows & lock your doors (the simplest & easiest prevention technique).
- Remove valuables or place them in the trunk of your automobile.
- Remove ‘pull-out’ style radio face plates (if equipped).
- Park in well lit areas when possible.
- Park where your car will be easily & frequently viewed (natural surveillance).
- Park in your garage if you have one.
- Use a car alarm, it will alert anyone nearby
Auto Theft Prevention
Stop Auto Theft — Don’t Tempt a Thief
Vehicle Theft Prevention Tips
Park in well-lighted areas.
Park your vehicle with the wheels turned toward the curb. This makes your vehicle difficult to tow.
Make sure the used vehicle you buy is not stolen!
- If a deal seems to be “too good to be true,” it probably is.
- Deal only with a reputable, established licensed used car dealer.
- If you buy a vehicle from an individual, make sure the name on the title and registration match the name and address of the person selling the vehicle.
- Check out the name, address and place of employment of the seller. Be aware of someone selling a vehicle who is not willing to give you this information.
Check the vehicle identification number (VIN) to see if it has been tampered with. This number is located on a plate attached to the dash near the left side of the front windshield.
- Make sure the VIN matches the number on the seller’s title.
- Ask the seller for references about past financing and insurance on the vehicle. Verify the information.
- Ask for the manufacturer’s keys, do not accept a replacement set.
- Beware of new paint on a late model vehicle.
- Complete all paperwork at the time of the sale.
- Do not buy a used vehicle without being present when the title is notarized.
Just the Facts
Cars with a steering wheel lock device in use are four times less likely to be stolen.
- According to the record, one automobile manufacturer found its anti-theft system reduced theft by 80%.
- In 2006 a car was stolen about every 55 seconds.
- Over 21% of all car owners don’t lock their doors!
- About 25% of the cars stolen in Town had keys left in the ignition.
AUTO SAFETY TIPS
Auto Thefts and Prowls in the Puyallup area are on the rise, as they are throughout Pierce County. However, there are some simple precautions that you can take to preclude you from becoming a victim of this inconvenient and expensive crime.
- Never leave your car running or with the keys in the ignition when you are away from it, even if you are planning to “be back in a minute.” Why give the thief an easy target?
- Always keep the doors locked and windows up, even when the car is parked in your driveway or in front of your home. (This is also a good idea when you are in the car and driving around.)
- Never leave valuables in plain view, even in a locked car. Lock them in the trunk or at least store them out of sight if you must leave them in the car.
- Park in well lit (under a street light or in direct glare of porch/garage lights) and busy areas. Don’t give the thief an opportunity to use darkness as a cover for their crimes.
- Carry insurance and registration cards with you. Do not leave them in the vehicle. Don’t leave any personal documents (credit cards, check books or mail) with your name and address on them.
- If you leave your car in a parking garage/lot or take it in for repairs, leave only the ignition key with the attendant or repairman. Be sure that no personal information is attached to it (ie: nametag with address on key chain.)
- Know the make, model year and color of your vehicle. Keep a copy of your VIN (Vehicle Identification Number) and vehicle’s license plate number in your wallet or purse, so if your vehicle is stolen you can accurately report the car information promptly.
- Be aware of your surroundings and trust your instincts. Look around before you exit the safety of your vehicle as well as looking into and under your vehicle before getting into it. If it doesn’t feel or look right, get away and report it!
- Report all suspicious or unusual persons, cars or activities to police immediately!
If your car is stolen, report it immediately by calling 999. The sooner the police know it is missing the better the chances of locating it. Additionally, if you notice abandoned vehicles in your neighborhood, report them as well. They could be someone’s stolen vehicle that the thief has abandoned.
3. Avoid leaving packages or shopping bags out in the open: Lock them into your trunk, if you have to leave the vehicle unattended.
4. Lock ALL of your vehicle’s doors: This is true even if you plan on only being gone for “just a second”. Remember, it only takes seconds to steal items from your car. It’s not uncommon, for thieves to walk down a row of parked vehicles, looking for unlocked doors. Also, make sure car windows aren’t left open.
5. Park in busy, well lit areas: Pick a parking spot where there is a lot of activity. Auto thieves prefer breaking into cars in isolated areas.
6. Don’t leave a trace: Don’t leave any sign that there might be valuables “out of sight” in your vehicle. For example: the suction cup on your dashboard, might tell thieves, that you have a GPS system in your vehicle. Leave nothing in plain view. Very few auto break-ins are “random”. The thieves usually see something out in the open or hints of possible hidden valuables.
7. Alarms or anti-theft devices work: Thieves are usually looking for the “easiest” target. If your car has an alarm, it could act as a deterrent. But don’t make this common mistake: Just because you have an alarm, doesn’t mean thieves won’t break-in, IF you leave valuable items in plain sight.
8. Don’t leave spare keys in your vehicle: An experienced thief knows all the hiding places. Store spare keys elsewhere, possibly your wallet or purse.
9. Always report suspicious activity.
10. Keep your POLICE officer updated on concerns or issues you may have.
* Make sure your car is lock at all times. * Never leave your vehicle running while unattended. * Always remove your keys while refueling. * Keep all personal items, such as checkbook, personal identification, credit cards, purses, GPS’s, wallet and CD’s out of view. * Always activate any anti-theft you have on your vehicle. * Don’t hide spare keys in your car. * Engrave your driver license number on stereos and car phone. * Never leave high tech devices such as cellular phones, portables TV’s, and compact disc players visible. * Always, Always, Always, Always report suspicious activity to the police.
Car Theft and Theft From Your Car Prevention Tips
Car theft and theft from your car are crimes of opportunity and the best way to reduce your chances of being a victim, is to lock your doors, never leave a key in your vehicle and use an anti-theft prevention device.
The devices listed below are examples of anti-theft prevention:
- Lock all your doors and close the windows.
- Remove all valuables from inside the vehicle, including GPS systems or lock them in your trunk.
- Do not leave electronic devices or accessories visible.
- Keep the registration in your wallet or purse rather than in the vehicle.
- Park in well lit and populated areas.
- Use a visible anti-theft device that has a visible indicator. They lock the steering wheel in a fixed position so the vehicle can not be driven.
- Activate your vehicle alarm system if you have one.
- Do not leave money in your vehicle.
- Do not hide a key on your vehicle.
Safety Tips While Driving
- Never pick up hitchhikers.
- Keep car doors locked at all times. While walking to your car, look under car.
- Before entering your car, look into the back seat and on floor board.
- Always have your keys ready to unlock the car door and enter without delay. Never walk across the parking lot digging in your purse for your keys; have them in your hand before leaving the building.
- Make certain that you have enough gas to get where you are going and always keep your vehicle in good running condition.
- If possible, travel on well lighted, busy streets and avoid isolated back roads and short cuts.
- If your are being followed, drive to the nearest open business for help, or drive to the Police or Fire Station.
- Never leave your house keys with your car keys at a service station or parking lot.
- Women driving alone should never stop to aid a stranger in a stalled vehicle. Proceed to an open business, and report the stalled vehicle to the police.
- If you have trouble, raise the hood, and stay in your vehicle. When someone offers assistance, roll the window down just enough to talk to them. Ask them to stop at the first phone to call a relative, friend, garage or the police for you. Never get into a stranger’s car.
Safety Tips For Youth
- Children should be made aware of the dangers of accepting rides from or talking to strangers.
- Children should be encouraged to talk with their parents if they ever have a problem, not only with a stranger but also with a friend or relative.
- Children should know a safe, well-traveled route to take to and from school. Isolated areas should be avoided.
- Teenage baby-sitters should not accept jobs with people they do not know, or who have not been referred by people they know.
- Babysitters should call the police immediately if anything suspicious happens at the house. They should never open the door for strangers.
- The sitter’s parents should be called at the end of the evening to inform them that the sitter will be home shortly.
- You may follow the advise and safety tips recommended and still find yourself confronted by an attacker. If it happens, you will have only seconds to decide your method of defense, so you must prepare mentally for the possibility of rape happening to you.
The formal definition of robbery is the taking or attempt to take anything of value from the care, custody, or control of a person or persons by force or threat of force or violence and/or by putting the victim in fear. The short definition of robbery is theft from a person by use of force or fear. The necessary elements of the crime are specific intent, theft from a person, by use of force or fear. The level of force or fear does not have to be great to meet the statutory requirement.
Robberies can occur almost anywhere at anytime, but tend to occur more often in anticipated settings and at expected times. All that is necessary is a motivated robber and an unwilling victim at the wrong place at the wrong time. Robberies can occur in private or public spaces. Robbers and their victims can be friends, relatives, or total strangers. Most robberies involve one robber and one victim and the crime from start to finish lasts less than a minute. Most commercial robbery victims are not injured during the transaction as long as long as they don’t resist. Crime prevention methods differ depending on the setting.
Most people think of robberies as those committed against banks (2.3%) or at late-night retail establishments like gas stations, or convenience stores (10%) where a gun is used to force the cashier to hand over the money. However, most robberies occur on the street (43%), directly against a person. When a gun or other weapon is involved, it is an armed robbery. When someone uses physical force against you to take a wallet or purse, it is called a strong-arm robbery. When someone uses force or fear against you to steal your car, it’s called carjacking. When someone robs you in your home (14%) it’s called home invasion robbery. A shoplifter can commit the crime of robbery if they fight with store personnel who try to stop them.
Robbery is a Violent Crime
The weapon of choice for robbers is the firearm (42%) with knives or cutting instruments second (9%). Strong-arm tactics like punching, pushing, kicking, or threats are used mainly on the street (40%). This is due to the opportunistic nature of most street robberies and to some extent because of felony sentence enhancements for those using a weapon during the commission of a robbery. Robbers like to use surprise and an extreme show of force to get victims to comply with their demands. Unfortunately, victims don’t always act appropriately when surprised and frightened and sometimes do things to startle the robber. Robbers are scared too and have been known to injure their victims when this happens.
The crime of robbery is mainly a nighttime crime, increasing after 8:00 PM and subsiding after 3:00 AM in most areas. Robberies often increase during the winter months because of extended periods of darkness, however, robberies can and do happen at anytime of day Dozens of robbery studies have indicated that robbers like isolation, prefer lone victims, good escape routes, and few witnesses in addition to an easy cash score.
If you are a victim of robbery
Take no action which would jeopardize your personal safety! The cash in your wallet or credit cards in your purse are not worth getting hurt over. If the robber tells you he is armed, believe him. If the robber displays a gun, consider it to be real and loaded.
Cooperate fully with the robber. Give the robber exactly what he asks for, no more or no less. If you have to open drawers or make any moves, explain these moves to him. Example: “I am opening this drawer now because this is where the large bills are kept”, or, “I’m just reaching for my wallet.” Do all actions slowly; sudden moves may panic the robber.
Observe The Robber. Look the robber in the eye and repeat his looks to yourself as you see them. Start at the top and work down remembering as many characteristics as you can. Try to remember the height of the robber and what type of build the robber had.
Try to determine the age of the robber if you can.
Most importantly, try to remember as much as you can about what the suspect was wearing. Shirt and pant color, hats, shoe type and color are very important things that police will need.
Remember which direction the robber fled after the robbery. If the robber gets into a vehicle, try to remember the make, color, style, and model of the car. Get as much information as you can including the license plate number. Do not rely solely though on the license plate number as most robbers will use cars with stolen license plates or stolen vehicles.
What To Do After The Robbery
Notify the police as soon as possible. The first call you make, as soon as it is safe to do so, should be to the police via 911. Tell the dispatcher that a robbery has just occurred and stay on the line until the operator releases you. Remain calm and answer all the questions as completely as possible.
Protect the Crime Scene. If the robbery occurred at a business, lock all doors and stop all business transactions. Calmly tell customers that a robbery has occurred and ask them to stay to speak to the police. If they wish to leave, get identification from them to give to the police. Do not let anyone near the area the robber occupied. Fingerprints and evidence can be destroyed by curious employees and customers.
Record your observations of the crime/robber. Have everyone involved write down their observations of the robbery and the robber (s). Do not discuss the crime among yourselves, but write down what you remember. Suspect ID Charts should be passed out to everyone involved.
What to Do if Your Car Has Been Stolen
If your car has been stolen, first step contact or notifiy ACPG +603-92863323 or email to firstname.lastname@example.org, the first thing you want to do is call the police and file a stolen vehicle report. The police will provide you with a case number and/or police report to provide to your insurance company, which should be your next call. You should file a claim with your insurance company within 24 hours of when you discover your car has been stolen.
Any enquiry, email to email@example.com or Call our Careline : +603-9286 3323.
at http://youtu.be/0hN64xcYgrI for Malaysia Individual Insurance (Personal Insurance).