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What it Covers?

Fire, Explosion or Lightning
Protects from damages caused by fire, explosions and lightning.
Burglary, Housebreaking or Theft
Covers from any misfortunes caused by burglary, housebreaking or theft.
Legal Cost
Covers lawyers fee, doesn't include any form of penalty charges.
Bodily Injury of Third Party
Covers your liabilities in any occurrence of bodily injuries to the third party.
Unlimited
Death of Third Party
Covers your liabilities in any event that causes death to the third party.
Unlimited
Vandalism or Malicious Acts (Not Applied to TPFT)
Covers damage to your car due to malicious acts by third party.
Falling Objects (Not Applied to TPFT)
Covers any damages caused by falling objects.
While in Transit (Not Applied to TPFT)
Coverage to your car being carried from one place to another (including during loading and unloading) of Your Car by Road, rail, inland waterway and across the sea by ferry or ship or any sea faring vessels etc. (between the island of Penang and the mainland only)
Collision (Not Applied to TPFT)
Covers damage to the vehicle due to accidents, mechanical breakdown, or wear and tear.
Third Party Property Damage
Cover for accidental loss or damage to other people's property (including vehicles) which is partly or fully your fault.
Up to RM3 Million or up to RM20 Million with Additional Premium
Extra windshield and sunroof protection
This is an additional coverage to your existing windshield and sunroof.
Special Perils
Covers damages caused by natural disasters like hurricane, typhoon, flood and other convulsions.
Legal Liability to Passengers
Covers legal expenses if you face legal action from your passengers.
Strike, Riot and Civil Commotion
Covers damages due to unlawful and domestic disturbance.
Vehicle accessories
Covers vehicle accessories like stereos, compact disc player, dashboard camera, etc.

Things to Know

This policy provides insurance against loss or damage to your vehicle, liability to third parties for bodily injury or death, and damage to third parties’ property.

The total premium that you have to pay consist of the standard coverage premium amount and additional coverage requested and may vary depending on the no-claim-discount (NCD) entitlement and the underwriting requirements of the insurance company.

The standard coverage premium amount is calculated in accordance with the De-Tariff pricing factors which among others include the following:

  • Insured Age
  • Vehicle Use
  • Cubic Capacity
  • Vehicle Age
  • Sum Insured*
  • Vehicle Make
  • Gender
  • NCD
  • Postal Code

  • Comprehensive: AXA will indemnify you if your car is lost or damaged during the Period of Insurance arising from the incidents like accident, fire, burglary, windscreen breakage etc. You may view the full list of scenarios covered in our Policy Wording.

 

  • Third Party Fire and Theft (TPFT): AXA will indemnify you if your car is lost or damaged during the Period of Insurance arising from limited incidents like fire, burglary, etc. You may view the full list of scenarios covered in our Policy Wording.

For more information please refer to the Product Disclosure Sheet.