This policy provides insurance against liability to other parties for injury or death, damage to other parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle.

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.

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.

1. 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.
2. 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.

We offer the following optional motor add-ons:

1. 24-Hour Unlimited Towing Service (Non-Tariff)
2. Accident Repair Allowance (ARA) (Non-Tariff)
3. Current Year “NCD” Relief (Non-Tariff)
4. EZ-Mile (Non-Tariff)
5. Windscreen
6. Legal Liability to Passengers
7. Legal Liability of Passengers
8. Special Perils (Flood, Storm, Landslide, Landslip or Subsidence Cover) (Non-Tariff)
9. Limited Special Perils (Flood, Storm, Landslide, Landslip or Subsidence Cover) (Non-Tariff)
10. Strike, Riot and Civil Commotion Clause (SRCC)
11. Smart Key Shield (Non-Tariff)
12. Driver's Personal Accident (Non-Tariff)
13. Waiver of Betterment Cost (Non-Tariff)
14. Compensation for Assessed Repair Time (CART) (Non-Tariff)
15. Waiver of Compulsory Excess (Non-Tariff)

Please refer to motor add-on leaflet for more details.

You may contact our Customer Service at 1-800-88-6744 for other add-ons than the above.

You may contact our Customer Service at 1-800-88-6744 for such application.

You may cancel the cover at any time by notifying us in writing. Within 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.

You can submit your claim notification:

1. online; or
2. by providing us with written notice together with the completed claim form and all relevant documents either by mail, email or walk in to our office within 7 days of receiving notice of or sustaining any accident, loss or damage.

You may contact any MSIG Branch to obtain the claim form.

If you have any clarification or need assistance, please contact MSIG Customer Service Hotline or any MSIG Branch.

If you have a complaint about our products or services, 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 either to the Customer Services Bureau of Bank Negara Malaysia or Ombudsman for Financial Services (OFS), free of charge.

Ombudsman for Financial Services (OFS)