AMG INSURANCE

AMG INSURANCE

Private Motor Insurance The coverage available under a Motor Insurance policy includes:- Act Cover (Road Transport Act 1967) Third Party Cover Third Party, Fire and Theft Cover Comprehensive Cover Combination of Act and Third Party Scope of Cover Act Cover Death or injury to third party as result of the negligence of the insured. The amount covered under this cover is unlimited. Third Party Cover This cover is combination of :- Act cover as described above Indemnity for liability in respect of damage to property belonging to third party Third party, fire and theft cover This cover is combination of :- Act cover as described above Third party cover Indemnity in the event that the insured vehicle is stolen or damaged by fire Comprehensive Cover This cover is combination of :- Combination of Act and Third party Physical damage to the insured vehicle and its part following accidental collision and other perils more specifically covered in the policy Classes of Motor Insurance The 3 classes of motor insurance under the Motor tariff are :- Private motor car Motorcycle Commercial Vehicle Each of the above classes is rated separately under the respective section of the Motor Tariff. Section A - LOSS OR DAMAGE TO YOUR VEHICLE accidental collision or overturning caused by mechanical breakdown, wear and tear by impact damage caused by falling objects, provided no floods, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, land slip or other convulsion of nature is involved by fire, explosion or lightning by burglary, housebreaking or theft by malicious act when in transit (including its loading and unloading) by : Road rail inland waterway Direct sea route across the straits between the island of Pulau Pinang and the mainland. Exclusions (Section A) consequential losses of any nature the loss of use of your vehicle depreciation, wear and tear, rust and corrosion, mechanical or electrical or electronic breakdowns, equipment or computer malfunction, failures or breakages to your vehicle except breakage of windscreen or windows damage to your vehicle's tyres unless your Motor Vehicle is damaged at the same time any loss or damage caused by or attributed to the act of cheating/criminal breach of trust. the excess stated in the policy schedule the failure or inability of any equipment or any computer program to recognise or correctly to interpret or process any date as the true or correct date or to interpret or process any date as the true or correct date or to continue to function correctly beyond that date. Section B -LIABILITY TO THIRD PARTY We will pay the amount which You or Your authorised driver are legally liable to pay (including claimants' costs and expenses) for :- Death or bodily injury to any person except those specifically excluded under Exceptions to Section B Damage to property as a result of an accident arising out of the use of Your Vehicle Provide your authorized driver also complies with all the terms and conditions of the policy that you are subject to. EXCLUSIONS (Section B) death or bodily injury to any passenger being carried for hire or reward. death or bodily injury to any person where such death or injury arises out of in the course of the employment of such person by You or by Your authorised driver. damage to property belonging to or in the custody of or control of or held in trust by You and/or Your authorised driver and/or any member of Your authorised driver household. liability to any person who is a member of Your and/or Your authorised driver household who is a passenger in Your Vehicle unless he/she is required to be carried in or on Your Vehicle by reason of or in pursuance of his/her contract of employment with You and/or Your authorised driver and/or his/her employer. any claims brought against any person in any country in courts outside Malaysia, the Republic of Singapore or Negara Brunei Darussalam. all legal costs and expenses which are not incurred in or recoverable in Malaysia, the Republic of Singapore and Negara Brunei Darussalam. EXTENSIONS Coverage can be extended to cover the following Extra Benefits: Legal Liability to Passengers Windscreen Radio/Cassette Strikes, Riot and Civil Commotions (SRCC) Flood, Windstorm Named Drivers

Am DriveCare Personal Accident Policy

AmDriver Care plan is only applicable for vehicles used for Private Social Domestics purposes.
Scope of Coverage

• 24 hours coverage for the insured plus 4 other passengers traveling (include entering in or alighting from) your personal vehicle.
• Benefits payable irrespective of your presence in the car
• Coverage up to RM60,000.00 for death and permanent disability. 24 hours worldwide personal accident coverage for you as the Policyholder.
• Benefits payable in addition to your other personal accident policies.
• Medical reimbursement up to RM3,000.00
• Wide geographical coverage includes Singapore & Brunei
• No discrimination against age. Passengers of all ages are covered
• Children receive same benefits as adults. Benefits payable irrespective of negligence of the driver

Exclusions
The insurance shall not apply to: -

• To any loss caused directly or indirectly, wholly or partly
1. by bacterial infections (except pyogenic infections which shall occur through an accidental cut or wound) or by any kind or disease;
2. by medical or surgical treatment (except such as may be necessary as a result of injuries covered by this Policy and performed within the time provided in the Policy);
3. by pregnancy, childbirth, miscarriage, abortion or pre-existing physical defect or infirmity;
4. while the driver is under influence (temporarily or otherwise) by alcohol or drug;
5. while the vehicle is used for illegal business pursuit or as an unlicensed common carrier.
• To any bodily injury which result in hernia.
• To any suicide or any attempt thereat (sane or insane)
• To loss occasioned by war, invasion, act of foreign enemy, hostilities or warlike operation.
• To loss occasioned while the vehicle is used for hiring, racing, road rally, pacemaking, speed-testing or use for any purpose in connection with motor trade.
• To the driver if such Driver does not hold a valid driver's license to drive the automobile

  AmPro Personal Accident Insurance

A Comprehensive Personal Accident policy that provides 24 hours and worldwide, financial protection against accidental death and disability caused solely by violent, accidental, external and visible means. 

Scope of Coverage
The policy covers against:

• Accidental Death
• Double Indemnity if Accidental Death occurs whilst traveling as a fare paying passenger on any mode of licensed public transport
• Permanent Disablement
• Medical Expenses and traditional treatment
• Hospitalisation Benefits
• Weekly Benefits
• Funeral Expenses
• Ambulance Fees
• Cosmetic Surgery
• Emergency Cash
• Post Hospitalisation Treatment Allowance

Exclusions

• War, invasion, act or foreign enemy, hostilities (whether war be declared or not), Civil war, rebellion, revolution, insurrection, mutiny or usurped power, military or Usurped power, military or popular uprising
• Insanity, suicide (whether sane or insane) or any attempt threat, intentional self-inflicted injuries
• Any form of disease, infection or parasites including malaria, dengue fever and Acquired Immune deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) Japanese Encephalitis
• Childbirth, miscarriage, pregnancy or any complications thereof
• Provoked murder or assault
• While traveling in an aircraft or ship as a member of the crew, except only as a fare-paying passenger in an aircraft or ship licensed for passenger service
• While committing or attempting to commit any unlawful act
• While participating in any professional sports
• Martial arts or boxing, aerial activities including parachuting and hang-gliding, underwater activities exceeding 50 meters in depth, professional mountaineering involving the use of ropes or mechanical guides
• Racing (other than on foot), pace-making, speed or reliability trails;
• Ionization, radiation or contamination by radioactivity, nuclear weapons material
• Riding a motorcycle without a valid driving license
• While participating in a brawl/strike/ riot/civil commotion or demonstration.
1. Asbestos, or
2. any actual or alleged asbestos related injury or damage involving the use, presence, existence, detection, removal, elimination or avoidance of asbestos or exposure or potential exposure to asbestos.
• Ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel;
• The radioactive, toxic, explosive or other hazardous or contaminating proprieties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof
• Any weapon of war employing atomic or nuclear fission and/or fussion or and/or other like reaction or radioactive force or matter.
• Any act of terrorism, for this purpose an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, or any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any section of the public in fear.