Auto Insuring Edge (汽车保险的卓越) Kelebihan Insuran Bermotor

For policy detail viewing and enquiries, kindly scroll down to the bottom of this page.

For Servicing forms and other servicing tools and instructions, kindly scroll to the bottom of this page.



SPA Customize Auto Features & Benefits 
Premium Calculator

Malaysia snatch thieves on bike broke car window and rob Near Section 16 U-Turn

Kurnia Insurans (M) Berhad's agency Rep.
 WYW Agency customize Auto Ins. Features & Benefits
Multi-Purpose Insurans Berhad
WYW Agency-Auto Ins. Features & Benefits 

Auto Insurance Edge


Types of Motor Insurance Coverage...Scroll Mouse Below 

FREE ACE Auto Assist - Your 24 Hr Motoring Partner .....                
include Free Breakdown Service, Free Towing, Discounts, Housing Loan

What is AGREED VALUE cover? ..... Endorsement 87 What is Market Value Option Policy?

Endorsement 87 is included in your motor policy, then your motor  insurance cover is accepted on an agreed value basis with the Insurer

'Endorsement 87 - Agreed Value' states that:- "The Insure will pay You the agreed amount as specified in the Schedule of the Policy in the event Your vehicle is stolen or totally destroyed during the Period of Insurance provided the Insurer is liable to pay for such loss or destruction under the Terms and Conditions of the Policy."   


Jika Pengendorsan 87 dimasukkan ke dalam polisi insurans motor anda, maka perlindungan insurans motor anda diterima atas dasar nilai yang dipersetujui dengan Penanggung Insurans

'Pengendorsan 87 - Nilai Dipersetujui' menyatakan bahawa: - "Syarikat Insurans akan membayar Anda amaun yang dipersetujui sebagaimana yang dinyata-kan dalam Jadual Polisi sekiranya kenderaan anda dicuri atau musn-ah sama sekali semasa Tempoh Insurans yang disediakan oleh Penginsurans adalah bertanggungan untuk membayar bagi kerugian atau pemusnahan di bawah Terma dan Syarat Polisi ini. "

Short Period Coverage

Short Period Coverage ..... include Rates for short period cover? 
Not exceeding 1 week to 8 months? Refer Condition (Cancellation)

Claims Procedure

include Own Damage Claim, Windscreen Claim, KFK OD Claim and Theft Claim!


What Is Betterment?

What Is Betterment? - Deduction from claim for Parts After Depreciation, wear & tear for vehicle of a certain age limit 5, 7 or 10 years. 

Why do you need to cover Flood, Natural Convulsion (Disaster)?

Endorsement 57 - Flood Cover normally not needed unless your vehicle in highly dependable on electronic component as high-end vehicles usually comes with high maintenance and exorbitant prices of their spare parts as volume of sales in the market is scarce with no back-up and low volume of parts availability in the market. Moreover this country are prone to flash flood as development make natural source of water disperse unnaturally through unfamiliar channel and traffic conditions may also trapped your vehicle in the flood area. Consider this when you insured your vehicle next time. 

An act of natural convulsion. Attack of the coconuts.

Wilful and reckless collision is not an accident ‎‎‎(故意和鲁莽的冲撞是不是一个意外的定义)‎‎‎

SPA & Associates

*The language translation above are done with the help of Google page translator and may not be

100 % accurate.Kindly bear with us for the time being as the author will try to upgrade to a better translation means in the near future

Chain Collision Guideline ..... include who is responsible for who in a chain collision?

NCD Enquiries

Market Value 2013 11 01(Claims Adjuster)

AlfaRomeo     Audi     BMW    Chana     Chery     Chevrolet Chrysler     Citroen    Daihatsu    Ferrari     Fiat     Ford
Honda     Hyundai    Impul     Inokom     Isuzu    Jaguar Jeep    Kia   LandRover      Lexus     Lotus   Mahindra
Mazda     Mercedes Benz     MG     Mini     Mitsubishi
Mitsuoka   Naza     Nissan    Opel    Perodua     Peugeot
Porsche     Proton    Renault     Rover    Saab     Skoda
Smart     Ssangyong     Subaru     Suzuki    Tata     Toyota
Volkswagen      Volvo    Wald 

SelectionFile type iconFile nameDescriptionSizeRevisionTimeUser
Subpages (20): 30 Things I Wish I Knew When I Started Driving Auto Insurance -East Malaysia Premium Calculator (Tariff Rated) Auto Insurance Edge - In Chinese Auto Insurance - Presentation in Chinese Auto Insurance - Safety (汽车保险 - 安全) Insurans Auto - Keselamatan Auto Insurance - West Malaysia Premium Calculator (Tariff Rated) 西马汽车保费计算器 Kalkulator Premium Auto Semenanjung Malaysia CASH BEFORE COVER (现金前盖) TUNAI SEBELUM PERLINDUNGAN Chain Collision Responsibility (连环相撞的责任) Tanggungjawab Perlanggaran Rantaian Check Your NCD (检查您的无索偿折扣) Periksa Diskaun Tanpa Tuntutan Anda Grade Your Vehicle Safety (您的车辆安全等级) Pengekelasan Kendaraan Anda demi Keselamatan Having problem getting insurance -Old Vehicle / High Risk Vehicle (有问题获得汽车保险) Mempunyai masalah mendapatkan insurans kenderaan How much is your Vehicle Worth?(你的车值多少?) Berapakah Penilaian Kenderaan anda ? Market Offer on Private Motor Vehicle(对私营机动车交易市场提供保险保费) Tawaran premium pasaran di atas Kenderaan Bermotor Motor Insurance Q & A (汽车保险问题解答) Insurans Bermotor-Soalan & Jawapan Motor Insurance Underwriting Guides(汽车保险承保指南) Panduan Pengunderaitan Insurans Bermotor NEW MOTOR COVER FRAMEWORK-GRADUAL PREMIUM INCREASE- RANGKA KIRAAN BARU INSURANS KENDERAAN BERMOTOR - PREMIUM TAMBAHAN BERTERUSAN Road Rage (路霸) Kamarahan Dijalanraya Road Tax Calculator (路税计算器) Perhitungan Kadar Cukai Jalan What To Do After An Auto Accident (经过车祸,怎么办?) What to Do to avoid a MVA Accident? Apakah Harus AndaTerliti Mengelakan Suatu Kemalangan Jalanraya