MSIG Motor Add-On Leaflet (Special Perils & Limited Special Perils, Smart Key Shield & Driver's PA Insurance) MSIG Motor Add-On Leaflet 1

MSIG Motor Add-On Leaflet (Waiver of Betterment Cost & Compensation for Assessed Repair Time [CART] MSIG Motor Add-On Leaflet 2

MSIG Motor Add-On Leaflet (Waiver of Compulsory Excess) MSIG Motor Add-On Leaflet 3

MSIG Motor Add-On Leaflet (24-Hour Unlimited Towing Service) MSIG Motor Add On Leaflet 4

Frequently Asked Questions (FAQ)

If your question isn't addressed here, just contact us and we'd be glad to help!

MSIG Malaysia Motor Insurance

Is there any *Motor Assist Program offered by MSIG?

Yes, in the unfortunate event of an accident involving your vehicle or should a breakdown occur, MSIG is at your side to help you. You are entitled to this accident/roadside service assistance without any surcharge to your policy premium.

We have a nationwide network of recommended motor repairers, ready to provide you with prompt, efficient and convenient service, whenever the need arises.

24 Hour Free Assistance Number: 1-300-880-833

*Motor Assist Program is offered to Comprehensive Private Car policyholders.

What is the important point on Insured Value/Sum Insured to be considered when buying motor insurance?

If you are buying a policy against loss/damage to your vehicle, you must ensure that your vehicle is adequately insured as it will affect the amount you can claim in the event of loss /damage.

For a new vehicle, the insured value will be the purchase price while for other vehicles, the insured value is the market value of the vehicle at the point you apply for the insurance policy.

Under-insurance – If you insure your vehicle at a lower sum than its market value, you will be deemed as self-insured for the difference, i.e. in the event of loss/damage, you will only be partially compensated (up to the proportion of insurance) by your insurance company.

Over-insurance – Should you insure your vehicle at a higher sum than its market value, the maximum compensation you will receive is the market value of the vehicle as the policy owner cannot ‘profit’ from a motor insurance claim.

What are the optional add-ons which available for me to extend cover under the Comprehensive Private Car coverage through online?

We would want to recommend you to extend the following optional add-ons:

Smart Key Shield (Non-Tariff)

Windscreen

Legal Liability to Passengers

Legal Liability of Passengers

Strike, Riot and Civil Commotion

Special Perils & Limited Special Perils (Non-Tariff) (Flood, Storm, Landslide, Landslip, Subsidence Cover or Other Convulsions of Nature)

Driver's Personal Accident Cover (Non-Tariff)

Waiver of Betterment Cost (Non-Tariff)

Compensation for Assessed Repair Time (CART)

Please refer to motor add-on leaflet for details of each add-on

You may contact our distribution channel ACPG customer service at 03-92863323 for other add-ons than the above.

How do I enrol for the policy?

You may contact our distribution channel ACPG customer service at 03-92863323 for other add-ons than the above.

How do I enrol for Third Party Cover or Third Party, Fire and Theft Cover?

You may contact our distribution channel ACPG customer service at 03-92863323 for other add-ons than the above.

What are the procedures for me to cancel my policy? What if the Company decides to cancel my policy?

You may cancel the cover at any time by notifying us in writing. Within seven (7) days of the cancellation, you must surrender to us the certificate of insurance or alternatively provide us with a statutory declaration. We may also cancel this cover by giving you 14 days’ notice by registered post to your last known address. Details of the refund of premium are stated in the Policy, Cancellation Condition No. 3.

How do I make a claim?

Please provide a written notice to the Company with full details within seven (7) days upon receiving notice of or sustaining any accident, loss or damage. You may contact any MSIG Branch to obtain a copy of the claim form. Submit the completed claim form to the Company together with all relevant documents as soon as possible.

General Question and Answer

Purchase & Payment

Why is my mailing address not needed when I'm buying insurance?

It's because our entire process is done online – it's faster, easier and also paper-less! Your Certificate of Insurance/Policy will be emailed to you instead.

Can I buy this insurance online with a supplementary credit card?

Yup, you can.

Can I buy insurance from MSIG Online if I don’t own a credit card?

For right now, we’re only accepting debit and credit cards as modes of payment.

Security, Technical & Online Support

Do I need to type in my details again if I'd like to buy again in the future?

Yes, you'll need to - it's for the greater good, really! We don't keep any of your personal details in accordance to the Personal Data Protection Act 2010 and other security reasons.

Help! I made a mistake on my personal info when I was buying insurance.

Don't worry, just email us at enquiry@insuranceonlinepurchase.com.

How do I know that it's safe to buy insurance online? Will my personal info be secured?

Protecting your personal info is very important to us and there are several security features installed to ensure that your data is safe. Check out our Privacy Policy in the Terms of Use to find out more.

How do I make a claim?

You can notify us of your claim right here on MSIG Online under our "Make a Claim” section.

How do I track the status of my claim?

Once a claim has been made, you’ll receive an email acknowledgement. The email lists all the necessary documents needed to support the claim and other details.

How fast can MSIG settle my claim?

Depends on the type of claim, Turnaround for example death/theft claim will be longer than a smaller type of claim. Be assured MSIG is committed to fair and prompt settlement of claims.

If I have an enquiry on this product or any other questions, who should I refer to?

Just email us at enquiry@insuranceonlinepurchase.com with your question and we'll get you an answer!

How do I lodge a complaint if I am unhappy with the product or services?

If you have a complaint about the product or services about us, or you are not satisfied with the rejection or offer for any settlement of a claim, you should first try to resolve the complaint with our Customer Service Centre.

If you are still not satisfied with the decision, you can refer to Bank Negara Malaysia at:

Pengarah

Jabatan LINK & Pejabat Wilayah

Bank Negara Malaysia

P.O. Box 10922

50929 Kuala Lumpur.

Tel: 1-300-88-5465

Fax: 03-2174 1515

Email: bnmtelelink@bnm.gov.my

Or, you may also write to the Ombudsman for Financial Services (OFS).

Disclaimer for FAQ

The FAQs compiled herein are merely informational and not intended to be construed as a contract of insurance. While every effort has been made to ensure that the information contained herein is accurate and up to date, this is not always possible. Please refer to actual policy for exact terms and conditions of the insurance product that you are purchasing.

About MSIG

MSIG Malaysia is one of the largest general insurers in the nation! We have a network of 20 branches in various locations across Malaysia, ensuring that we're close by whenever you need us.

A subsidiary of Mitsui Sumitomo Insurance Company, Limited and a member of MS&AD Insurance Group Holdings, Inc., MSIG Insurance (Malaysia) Bhd has a strong financial backing combined with global expertise and local knowledge. Our multi-channel distribution network has established strong partnerships with agents, brokers or motor franchises, local and Japanese direct corporate clients, as well as partnership programmes with financial institutions.

As a customer, you can expect financial stability, top quality innovative insurance products and related services, and a strong commitment to service. We aim to serve our customers, stakeholders and society by adhering to our Values:

Customer Focused

We continuously strive to provide security and achieve customer satisfaction.

Integrity

We are sincere, kind, fair and just in our dealings with everyone.

Teamwork

We achieve mutual growth by respecting one another's individuality and opinions, and by sharing knowledge and ideas.

Innovation

We listen to our stakeholders and continuously seek ways to improve our work and business.

Professionalism

We make sustained efforts to improve our skills and proficiency so that we can provide high quality services.