天安汽车保险- 特点与优势

24 Hours Auto Assistance:  1800-88-3833

POLICY DETAILS
Basic Cover                                     v                 Page Down                                      v  
Special Benefits                             '' ''
Interest / Property Insured              '' ''
Premium & Extra Coverage            '' ''
How to Buy                                     '' ''
Policy Wordings


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)
 
Goods Carrying Vehicles
Commercial Goods Carrying Vehicles with 'A' and 'C' Permit; also Petroleum, Diesel and Bitumen Tankers, LPG Long Trailer & Low Loader with 'A' and 'C' Permit.
 
Other Types of Vehicle
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.
 
Strike, Riot & Civil Commotion (for Comprehensive Cover only)
Covers the vehicle against damage caused by strike, riot and civil commotion.
[Premium = 0.3% x Sum Insured of your vehicle]
 
Legal Liability of Passengers
Covers the legal liability of passengers for acts of negligence.
[Premium - RM7.50 per car]
 
Current Year NCD Relief
This extension provides cover for compensation for loss of "No Claim Discount" (NCD).
[Premium -
15% on NCD entitlement of the current period of insurance and is subject to a minimum premium of RM50]

POLICY WORDINGS
 
Click here to view Policy Wordings.


HOW TO BUY
1 Buy Private Car Insurance Online

Buy Private Motorcycle Insurance Online
2 Buy directly from Us (Wong Yock Wan Agency) code H71500-00
3 Make Product Enquiry
4
24 Hours Auto Assistance:  1800-88-3833



























Incident Report Form










Safety Belt




























基本覆盖                                                                                                 

基本的汽車政策保護被保險人遭受損失或損壞的保險車輛, 
第三者的人身傷亡和財產取決於選定的覆蓋面。可覆蓋的類型有: 

第三方封面 
被保險人招致的法律責任所引起的給第三方對雙方身體傷害和財產損失。 

第三方火災及盜竊封面
提供涵蓋的“第三方封面”,也將予以賠償被保險人在事件被保險人的車輛被盜或損壞的火災。 

綜合保障 
提供包括如“第三方參與消防及盜竊保障”,再加上物理損壞保險的車輛發生意外碰撞後或過度轉向。



特殊津貼                                                                                                      

天安汽車輔助系統,24小時援助服務故障和事故都可以免費的天安 私家車的綜合政策。 

主題 /財產的保險                                                                                       

該政策包括以下類型的車輛:

私家車
私家車,私人凡與四輪驅動(私用)

貨車
商業性貨物的車輛實施以'A'和'C'證;也汽油,柴油和瀝青油船, 液化 
氣龍裝載機和拖車,低'的'和'C'許可證。

其他類型的車輛
出租車,公共汽車,摩托車,拖拉機,汽車吊等公共汽車,摩托車, 拖拉機,汽車吊等

保險費和額外保障                                                                                     

保險費是按規定的汽車關稅由Persatuan Insurans上午馬來西亞(PIAM)基於以下屬性: 
  • 覆蓋類型(綜合,第三方火災和盜竊,第三黨)
  • 使用車輛(私家車,貨車運載車,公共汽車,出租車等)
  • 汽缸容量/載客量
  • 汽車時代
  • 允許非傳染病
  • 投保額
  • 授權號司機
  • 擴大覆蓋範圍
投保人還享有下列額外保險費的補助:


擋風玻璃(只包括綜合
涵蓋了破碎的玻璃上的擋風玻璃,前,後方和側面的窗口。損壞
的擋風玻璃會被取代,你的國家協調機構將不會受到影響。
[保險費用 - 15%的保險金額]


補償分攤維修時間(車)(只包括綜合)
被保人對損失的補償問題,他使用的車輛理賠的基礎上的評估所需的時間因意外維修索賠,而不是在數天的車是奠定了在研討會上。  (如需詳細資料,請參考我們的代理商/最近分支機構)。


所有驅動覆蓋
(供私人使用的車輛登記在公司/機構)這種額外的授權範圍允許
任何人駕駛您的汽車。不適用於商用車輛(即拖車,貨車等)。
[保險費用 - 每輛 50令吉]


覆蓋所有乘客
(對於摩托車綜合 /第三方封面)本政策適用於無名選手。
[保險費用 - 50%負載的基本保費]

法律责任的乘客
这个覆盖保护被保人对法律责任的乘客在事件的索赔
[保险费用- 25的第三方保费]
基本保费最多只有4人

罷工,暴亂和民變(只包括綜合)
涵蓋了車輛所造成的損害對罷工,暴動,民變險。
[保費 = 0.3%×你的車輛投保金額]


法律責任的乘客
涵蓋了乘客的法律責任的行為疏忽。
[保費 - RM7.50每車]


本年度非傳染性疾病救濟
這個擴展提供支付賠償損失的“無索償折扣”(NCD)。
[保費 - 享有15%的慢性非傳染性疾病的當期保險費和受
最低保費 50令吉]


保單字眼                                                                                                     

點擊這裡查看保單條款。


HOW TO BUY                                                                                                 
1 在線購買私人汽車保險

購買私人摩托車網上保險
2 直接從我們這裡買 (Wong Yock Wan Agency) code H71500-00
3 Make Product Enquiry
4
24小時自動援助:  1800-88-3833

















Road Safety Commercial Think Always Wear A Seatbelt

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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)。  Jan 8, 2011, 7:32 PM Simon Poon
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Designed with Translation Multi-Insurance used form. For motor insurance related endorsement/request for change (与翻译多保险设计的形式。汽车保险相关的认可/请求变更)   Jan 8, 2011, 7:32 PM Simon Poon
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Malaysian Private Car Tariff Rated Schedule Of Premium  Jan 8, 2011, 7:32 PM Simon Poon
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Sum Insured Guide Line_Last update June 2010(投保额2010年6月更新指南)Panduan Nilai Pertanggungan_Tarikh Kemaskini Terakhir_Jun 2010   Feb 24, 2012, 10:41 AM Simon Poon
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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.   Feb 23, 2012, 7:31 PM Simon Poon
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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.   Feb 23, 2012, 7:34 PM Simon Poon
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Commercial Vehicle Policy Wording for KIB for evaluation and understanding.  97k v. 2 Jan 8, 2011, 7:32 PM Simon Poon
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Mestari Adjuster Recommended Insured Market Value adopted for numerous Insurer.Mestari Adjuster采用推荐保险市场价值为众多保险公司  Oct 15, 2014, 1:03 PM Simon Poon
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  986k v. 2 Jan 8, 2011, 7:32 PM Simon Poon
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MOHD HALIM BIN MOHAMMAD_520713115027_WPG 65_SI_20K _KURNIA_POL_JVB8852247  Oct 17, 2014, 9:44 PM Simon Poon
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