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iRAP Malaysia - Design for a Safer Future
BASIC COVER
The basic motor policy protects the Insured against loss or damage to the Insured vehicle, third party bodily injuries and properties depending on the coverage selected. The types of coverage available are:
Third Party Cover
Indemnifies the Insured against legal liability arising from both bodily injury and property damage to third party.
Third Party Fire & Theft Cover
Provides cover as in "Third Party Cover", and also indemnifies the Insured in the event that the Insured's vehicle is stolen or damaged by fire.
Comprehensive Cover
Provides covers as in "Third Party Fire & Theft Cover", plus physical damage to the Insured's vehicle following accidental collision or over-turning.
SPECIAL BENEFITS
Kurnia Auto Assist, a 24-hour assistance service for breakdowns and accidents comes FREE with Kurnia Private Car Comprehensive policy.
INTEREST / PROPERTY INSURED
The policy covers the following types of vehicle:
Private Vehicles
Private Car, Private Van & Four Wheel Drive (Private Use)
Taxis, Buses, Motorcycles, Tractor, Mobile Crane etc.
PREMIUM & EXTRA COVERAGE
The premium is calculated according to the Motor tariff prescribed by Persatuan Insurans Am Malaysia (PIAM) based on the following attributes :
Type of Coverage (Comprehensive, Third Party Fire and Theft, Third Party)
Use of vehicle (Private Car, Goods Carrying Vehicle, Buses, Taxis, etc)
Cubic capacity / Carrying Capacity
Age of vehicle
NCD Allowed
Sum Insured
No. of Authorized Drivers
Extended coverage
Policyholders also enjoy the following extended benefits with additional premium:
Windscreen (for Comprehensive Cover only)
Covers the breakage of glass in windscreens, front, rear and side windows. The damaged windscreen will be replaced and your NCB will not be affected. [Premium Charged - 15% of the Amount Insured]
Compensation For Assessed Repair Time (CART) (for Comprehensive Cover Only)
Compensation to insured on loss of use of his vehicle based on loss adjuster’s assessment of the time required for repairs due to an accident claim and NOT the number of days the car is laid up at the workshop. (For more details, please refer to our agents / nearest branches).
All Drivers Coverage
(For Private use vehicle registered under company/organization) This extra coverage allows any authorized person to drive your car. Not applicable to commercial vehicles (i.e. trailers, lorry etc). [Premium Charged - RM50 per vehicle]
All Riders Coverage
(For Motorcycle-Comprehensive/Third Party Cover) This policy covers unnamed riders. [Premium Charged - 50% loading of Basic Premium]
Legal Liability To Passengers
This coverage protects the Insured against legal liability to the passenger in the event of a claim. [Premium Charged - 25% of Third Party Premium] Basic Premium up to 4 persons only.
Dear Valued Customers,Effective 10 August 2010, Private Car Comprehensive insurance for vehicle above15 years old is subject to 30% premium loading (Insured's Age Loading 15% andVehicle Age Loading 15%). 尊敬的客户，有效2010年8月10日，综合以上的私家车15年的旧机动车保险受额外30％的溢价（被保险人的年龄载入15％和15％的装载车龄）。
Dear Valued Customers,Effective 03 June 2011, Private Car Comprehensive insurance for vehicle above15 years old is subject to 35% premium loading (Insured's Age Loading 15% and Vehicle Age Loading 15%). 尊敬的客户，有效2011年6月03日，综合以上的私家车15年的旧机动车保险受额外35％的溢价（被保险人的年龄载入15％和15％的装载车龄）。 From : Subject : To : Attachment : Revised Private Car UW Guidelines 03 June 2011
All Insurer_Motor_Endorsement Request_FormMotor Insurance Request for Changes such as Cancellation, transfer of interest, NCD withdrawal/ reimbursement, additional name driver and other request.
Kurnia Insurans_Motor_Endorsement Request_FormMotor Insurance Request for Changes such as Cancellation, transfer of interest, NCD withdrawal/ reimbursement, additional name driver and other request.
Kurnia insurans_ Requisition For Cancellation, Transfer my/our NCD entitlement, DECLARATION OF LOSS OF CERTIFICATE OF INSURANCE, ENDORSEMENT REQUEST, LETTER OF UNDERTAKING, DPPA / MCPA / MOTOR PROPOSAL FORM / VEHICLE INSPECTION FORM
Nov 14, 2012, 3:30 AM
Simon Poon
Application / Proposal Form ( 申请书/建议书表 )
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Auto Insurance - Premium Calculation (Tariff Rated) View
Malaysian Private Car Tariff Rated Schedule Of Premium
Kurnia insurans_ Requisition For Cancellation, Transfer my/our NCD entitlement, DECLARATION OF LOSS OF CERTIFICATE OF INSURANCE, ENDORSEMENT REQUEST, LETTER OF UNDERTAKING, DPPA / MCPA / MOTOR PROPOSAL FORM / VEHICLE INSPECTION FORM
English Version. As for policy wordings, we no longer print them on your policy schedule and certificate of insurance as part of our effort for environmental conservation. You may view or print the policy wordings of your policy document number (stated at the top right corner of your document) here.
Bahasa Malaysia Version. As for policy wordings, we no longer print them on your policy schedule and certificate of insurance as part of our effort for environmental conservation. You may view or print the policy wordings of your policy document number (stated at the top right corner of your document) here.
MMIP -HIGH RISK AND UNWANTED RISK BY CURRENT INSURER View
MMIP -Malaysian Motor Insurance Pool Handling rejected risk and high risk vehicle which are rejected by at least 2 Insurance company. (MMIP，马来西亚汽车保险中心处理拒绝的风险和高风险车辆。必须拒绝了至少2保险公司。)Pengendalian menolak risiko dan kenderaan risiko tinggi. Harus ditolak oleh minimal 2 syarikat insurans.
Renewal Instruction for Master / Visa Credit card to pay your auto insurance and other lines of insurance with us. (Kurnia)Master/ Visa信用卡支付你的汽车保险和其他的保险续期指示。 （天安）
Announcement / Underwriting Update (公告/保险承保更新) Pengumuman / Kemaskini Pengunderitan