Car Accident Protection Plan

Car Accident Protection Plan



When you’re behind the wheel, the safety of your passengers is your top priority. But anything can happen on the road. So in the unfortunate event of an accident, we know the first thing you want settled is the wellbeing of your passengers.



The Etiqa Car Accident Protection Plan is designed to protect you and your passengers against any injury caused by an accident while travelling in a private vehicle, minus the unnecessary paperwork and delays. We not only take care of you; we help take care of the people around you too.



This policy is available in five different options that offer various benefits:



What it Offers



Death benefit

Permanent Disablement benefit

Reimbursement of medical expenses







Special extension

In the event that the insured person is unavoidably exposed to the natural elements, which may cause injury following an accident, such injury shall be constituted as a claim for death or permanent disablement benefits.



However, there are a few exclusions such as war, nuclear risks, suicide, sickness, racing and accidents occurring whilst the driver is affected by drugs or alcohol.



How much does it cost?

Premium is calculated based on the seating capacity of the vehicle and the cost varies for each plan. For example, if you choose to purchase Plan 1, you'll have to pay RM60 per annum for a five-seat vehicle and RM142 for a 15-seat vehicle.



What are its special limitations?

Only passengers above the age of 16 are covered for 100% of the insured benefits. Passengers aged between 3 and 16 are entitled to 50% of all the benefits provided. Children below the age of 3 are not eligible for any coverage. In the event that the actual number of passengers exceeds the number stated in the policy, the Company's limit of liability per person will be reduced by the ratio of the actual number of passengers declared.



How to Apply

We would like to ensure that this is the plan that best serves your needs. You can contact us at the nearest Etiqa branch, email us at info@etiqa.com.my or call our Customer Service at 1-300-13-8888 for a quotation and further detail of this plan.

Car Accident Protection Plan

Car Accident Protection Plan



When you’re behind the wheel, the safety of your passengers is your top priority. But anything can happen on the road. So in the unfortunate event of an accident, we know the first thing you want settled is the wellbeing of your passengers.



The Etiqa Car Accident Protection Plan is designed to protect you and your passengers against any injury caused by an accident while travelling in a private vehicle, minus the unnecessary paperwork and delays. We not only take care of you; we help take care of the people around you too.



This policy is available in five different options that offer various benefits:



What it Offers



Death benefit

Permanent Disablement benefit

Reimbursement of medical expenses







Special extension

In the event that the insured person is unavoidably exposed to the natural elements, which may cause injury following an accident, such injury shall be constituted as a claim for death or permanent disablement benefits.



However, there are a few exclusions such as war, nuclear risks, suicide, sickness, racing and accidents occurring whilst the driver is affected by drugs or alcohol.



How much does it cost?

Premium is calculated based on the seating capacity of the vehicle and the cost varies for each plan. For example, if you choose to purchase Plan 1, you'll have to pay RM60 per annum for a five-seat vehicle and RM142 for a 15-seat vehicle.



What are its special limitations?

Only passengers above the age of 16 are covered for 100% of the insured benefits. Passengers aged between 3 and 16 are entitled to 50% of all the benefits provided. Children below the age of 3 are not eligible for any coverage. In the event that the actual number of passengers exceeds the number stated in the policy, the Company's limit of liability per person will be reduced by the ratio of the actual number of passengers declared.



How to Apply

We would like to ensure that this is the plan that best serves your needs. You can contact us at the nearest Etiqa branch, email us at info@etiqa.com.my or call our Customer Service at 1-300-13-8888 for a quotation and further detail of this plan.

Car Insurance-Private Car Insurance

Private Car Insurance



At Etiqa, we understand the importance of having your own set of wheels whether for work or social reasons.



Therefore, should an unfortunate event render your car out of commission, the Etiqa Private Car Insurance ensures that your claims are settled in the shortest possible time, so that you’re up and running about again because we know you can’t afford to be stranded indefinitely.



What is covered under the Private Car Insurance?

Loss or Damage caused by:



ACCIDENTAL COLLISION even if caused by mechanical breakdown or normal wear and tear

FALLING OBJECTS unless caused by flood, storm, or natural disaster

FIRE, EXPLOSION or LIGHTNING

BURGLARY,BREAK-IN or THEFT

MALICIOUS ACT

WHEN IN TRANSIT (including loading and unloading) by road, rail or inland waterway



What is not covered under the plan?







CONSEQUENTIAL LOSSES e.g. loss of earnings

LOSS OF USE OF CAR

DEPRECIATION NORMAL WEAR & TEAR

DAMAGE TO YOUR CAR’S TYRES unless your car is damaged at the same time

The amount of the EXCESS shown on your policy schedule



What is covered under the liability to third parties?



Death or bodily injury to a third party

Damage to a third party’s property caused by your car

Legal costs incurred up to a limit of RM 2,000



What is not covered under the liability to third parties?



Death or bodily to any passenger being carried for hire/reward

Damage to any property of a third party temporarily under your possession

Liability to any member of your household

Any claim or legal action against you from outside Malaysia, Singapore or Negara Brunei Darussalam



What is the additional coverage under this policy?



ALTERNATIVE TRANSPORTATION COVER: Few insurers offer this coverage as many car owners discovered too late. It covers the cost of car rental, when you car is unavailable after an accident, to a maximum of RM 1,000

WINDSCREEN COVER: Protects against breakage of glass in your car’s windscreen or window. (Your No Claim Discount will not be affected by such claim and any excess under the policy would not reply)

CAR ACCESSORIES COVER: Protects against loss or damage to specific accessories. (Your No Claim Discount will not be affected by such claim and any excess under the policy would not reply)

ADDITIONAL DRIVERS COVER: Extends insurance coverage to additional named drivers

FLOOD DAMAGE COVER: Protects against damage to your car caused by Flood, Typhoon, Hurricane or Storm

PUBLIC DISORDER COVER: Protects against loss or damage to your car caused by Public Disorder

LEGAL LIABILITY FOR PASSENGERS: Protects against any legal liability acts of negligence brought against your passengers

LEGAL LIABILITY TO PASSENGERS: Protects you against any legal liability brought against you by any of your passengers. (This coverage is compulsory if you drive your car in Singapore)



What are the common circumstances that are unacceptable to make a claim?



The authorised driver does not posses the appropriate class of license

Loss or Damage

Caused by driving while under the influence of drugs or alcohol

Caused by unlawful use of the car by any authorised driver

To the car caused by Public Disorder

Caused by Flood (unless extended)

Resulting from using in motorsports or competitions (i.e.: hill-climbing test, rallies)

When a car breaks down and is deserted without precautions to prevent further damage

Or liability that occurs outside of Malaysia, Singapore or Negara Brunei Darussalam



Does the plan have any Motor Service?

Yes. All Etiqa Private Car Insurance customers have access to 24-hour Motor Assist services. With our partner - the Asia Assistance Network which provides the following motor services:



24-hour Emergency Towing & Minor Roadside Repair

Car Replacement Assistance

Arrangement for hotel accommodation

Referral to Service Centres

Professional assistance and fair market prices at referred Service Centres

Emergency Messaging Service for you to contact your family and others in the event of an accident

Call the Etiqa Claim Assist at 1-800-88-1007



Not ready to renew yet?

FREE REMINDER SERVICE

Even if your car insurance is expiring later, call us at 1-300-13-8888. We’ll give you a free reminder when your car insurance is due for renewal. No obligations to buy.

Car Insurance-Private Car Insurance

Private Car Insurance



At Etiqa, we understand the importance of having your own set of wheels whether for work or social reasons.



Therefore, should an unfortunate event render your car out of commission, the Etiqa Private Car Insurance ensures that your claims are settled in the shortest possible time, so that you’re up and running about again because we know you can’t afford to be stranded indefinitely.



What is covered under the Private Car Insurance?

Loss or Damage caused by:



ACCIDENTAL COLLISION even if caused by mechanical breakdown or normal wear and tear

FALLING OBJECTS unless caused by flood, storm, or natural disaster

FIRE, EXPLOSION or LIGHTNING

BURGLARY,BREAK-IN or THEFT

MALICIOUS ACT

WHEN IN TRANSIT (including loading and unloading) by road, rail or inland waterway



What is not covered under the plan?







CONSEQUENTIAL LOSSES e.g. loss of earnings

LOSS OF USE OF CAR

DEPRECIATION NORMAL WEAR & TEAR

DAMAGE TO YOUR CAR’S TYRES unless your car is damaged at the same time

The amount of the EXCESS shown on your policy schedule



What is covered under the liability to third parties?



Death or bodily injury to a third party

Damage to a third party’s property caused by your car

Legal costs incurred up to a limit of RM 2,000



What is not covered under the liability to third parties?



Death or bodily to any passenger being carried for hire/reward

Damage to any property of a third party temporarily under your possession

Liability to any member of your household

Any claim or legal action against you from outside Malaysia, Singapore or Negara Brunei Darussalam



What is the additional coverage under this policy?



ALTERNATIVE TRANSPORTATION COVER: Few insurers offer this coverage as many car owners discovered too late. It covers the cost of car rental, when you car is unavailable after an accident, to a maximum of RM 1,000

WINDSCREEN COVER: Protects against breakage of glass in your car’s windscreen or window. (Your No Claim Discount will not be affected by such claim and any excess under the policy would not reply)

CAR ACCESSORIES COVER: Protects against loss or damage to specific accessories. (Your No Claim Discount will not be affected by such claim and any excess under the policy would not reply)

ADDITIONAL DRIVERS COVER: Extends insurance coverage to additional named drivers

FLOOD DAMAGE COVER: Protects against damage to your car caused by Flood, Typhoon, Hurricane or Storm

PUBLIC DISORDER COVER: Protects against loss or damage to your car caused by Public Disorder

LEGAL LIABILITY FOR PASSENGERS: Protects against any legal liability acts of negligence brought against your passengers

LEGAL LIABILITY TO PASSENGERS: Protects you against any legal liability brought against you by any of your passengers. (This coverage is compulsory if you drive your car in Singapore)



What are the common circumstances that are unacceptable to make a claim?



The authorised driver does not posses the appropriate class of license

Loss or Damage

Caused by driving while under the influence of drugs or alcohol

Caused by unlawful use of the car by any authorised driver

To the car caused by Public Disorder

Caused by Flood (unless extended)

Resulting from using in motorsports or competitions (i.e.: hill-climbing test, rallies)

When a car breaks down and is deserted without precautions to prevent further damage

Or liability that occurs outside of Malaysia, Singapore or Negara Brunei Darussalam



Does the plan have any Motor Service?

Yes. All Etiqa Private Car Insurance customers have access to 24-hour Motor Assist services. With our partner - the Asia Assistance Network which provides the following motor services:



24-hour Emergency Towing & Minor Roadside Repair

Car Replacement Assistance

Arrangement for hotel accommodation

Referral to Service Centres

Professional assistance and fair market prices at referred Service Centres

Emergency Messaging Service for you to contact your family and others in the event of an accident

Call the Etiqa Claim Assist at 1-800-88-1007



Not ready to renew yet?

FREE REMINDER SERVICE

Even if your car insurance is expiring later, call us at 1-300-13-8888. We’ll give you a free reminder when your car insurance is due for renewal. No obligations to buy.

Car Insurance-About EtiQa

Being Etiqa



Today, with the new identity and logo, we are dynamically progressive, changing both internally and externally to ensure that you, our valued stakeholder benefits from such changes. The name is unique, personified by our core brand idea of “Humanizing Insurance”. The logo is dynamic, daring and distinctive. Yet, it holds strong to basic family values with the face reflected and the “TQ” representing our appreciation to you. Its youthful enthusiasm is apparent in the mix of upper and lower case letters which also reflects the approachability and accessibility of our organisation to our customers. The yellow and black signifies the link to our parent company, Maybank and exemplifies our solid financial standing.



What it means to you?



However, we believe that this new name and logo symbolizes change. Not just physically, but internally as well. We have taken branding to heart and with the launch of this new identity, we have changed to ensure that we are able to be better for you, to serve you better, to develop better products for you and most importantly, to just be there for you. Let us assure you that the policies that you currently have are still valid and are only affected by a change in its name, where it will be more reflective of the new brand. For all of us here at Etiqa, we believe in living our new brand and we are confident that you will enjoy the experience of a new world of Etiqa.

Car Insurance-About EtiQa

Being Etiqa



Today, with the new identity and logo, we are dynamically progressive, changing both internally and externally to ensure that you, our valued stakeholder benefits from such changes. The name is unique, personified by our core brand idea of “Humanizing Insurance”. The logo is dynamic, daring and distinctive. Yet, it holds strong to basic family values with the face reflected and the “TQ” representing our appreciation to you. Its youthful enthusiasm is apparent in the mix of upper and lower case letters which also reflects the approachability and accessibility of our organisation to our customers. The yellow and black signifies the link to our parent company, Maybank and exemplifies our solid financial standing.



What it means to you?



However, we believe that this new name and logo symbolizes change. Not just physically, but internally as well. We have taken branding to heart and with the launch of this new identity, we have changed to ensure that we are able to be better for you, to serve you better, to develop better products for you and most importantly, to just be there for you. Let us assure you that the policies that you currently have are still valid and are only affected by a change in its name, where it will be more reflective of the new brand. For all of us here at Etiqa, we believe in living our new brand and we are confident that you will enjoy the experience of a new world of Etiqa.