UNIASIA

PRODUCT LISTING

In Malaysia, motor insurance is regulated by the Road Transport Act 1987 and Part IV of the Act, it requires every motor vehicle to be insured with an authorised insurer for any liability which that person may incur in respect of the death of or bodily injury to a third party caused by or arising out of the use of the motor vehicle.

Having an adequate amount of motor insurance coverage not only helps protect you, your family members and your business, it is also the foundation of a good financial plan. With our comprehensive motor coverage, you can be rest assured that you and your investment in your new car can both be protected.

Comprehensive (AutoStar)

AutoStar is a comprehensive 5-star motor insurance plan for private car.

This plan provides comprehensive coverage for:

1. Accidental loss or damage to your vehicle and the accessories and spare parts of your vehicle;
2. Liability for damage to other peoples´ vehicle and property caused by your vehicle;
3. Your (the driver) legal liability for death or bodily injury to third parties caused by your negligence; and
4. Personal accident benefits for you should you suffer bodily injury in connection with your motor vehicle or while mounting into or dismounting from or travelling in any private motor vehicle.

This plan also provides coverage for:

1. Loss or damage to your vehicle caused by fire, external explosion, self-ignition or lightning;
2. Loss of your vehicle due to theft and/or damage after being stolen;
3. Claimant´s costs and expenses.

Other benefits and special perils that can be extended are:

1. Caravan, luggage and boat trailers;
2. Strike, riot and civil commotion;
3. Flood, typhoon and other convulsion of nature;
4. Act of negligence of passengers; and
5. Breakage of glass such as windscreen, window or sunroof.

Comprehensive (Agreed Value Plan)

Agreed Value Plan (AVP) is a comprehensive private car insurance plan that designed specifically to protect policyholder from financial difficulty arising due to vehicle being stolen or damaged beyond economic repair.

This plan provides compensation based on insured value not market value:
The standard practice in the insurance industry for stolen or total loss claims is to reimburse based on the market value of the vehicle at the time of loss or damage occurred, or the sum insured in the policy whichever is lower. With Agreed Value Plan, if your vehicle is stolen or damaged beyond economic repair, we will pay the agreed value specified in your schedule, rather than the normal market or resale value.

Commercial Vehicle

Commercial Vehicle insurance provides coverage for accidental loss or damage to vehicle used in your business operations and your legal liability for third party injury and property damage. Physical Damage This coverage protects the Insured from accidental damage to the Insured, regardless who is at fault. The damage may be caused:

1. By collision or overturn;
2. By fire, external explosion, self-ignition or lightning or burglary housebreaking or theft;
3. By malicious act;
4. Whilst in transit (including the process of loading or unloading incidental to such transit) by:
   • Road rail, inland, waterway, lift or elevator.
   • Direct sea route across the straits between the island of Penang and the mainland.
5. By impact damage.

Third Party Fire and Theft

Motor Third Party Fire and Theft (TPFT) Insurance is a plan that provides protection against fire and theft to your vehicle, as well as damage caused by your vehicle to third-party property.