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FAQ

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Personal Insurance

Who is eligible for MSIG Lady Motor Plus?

Female vehicle owners aged 17 years old and above with a valid driving licence.

Can a male private vehicle owner purchase MSIG Lady Motor Plus where his wife is the authorised driver?

No, this product is restricted to female private vehicle owners only.

Must the authorised driver(s) under MSIG Lady Motor Plus be female only?

Authorised driver means any person, male or female, who drives your vehicle with your consent or permission provided he or she holds a valid driving licence of the relevant type and is not disqualified to drive by law or for any other reason.

Does the Policyholder’s Personal Accident coverage extend to the authorised driver(s) and passenger(s)?

No, this coverage is limited to the female policyholder only whilst driving the vehicle or riding as passenger, boarding or alighting from the insured vehicle.

In the event of damage to the vehicle due to flood, can the female policyholder choose to make a claim under Inconvenience Relief Allowance cover only and not under the Full Special Perils cover?

Yes, the female policyholder is entitled to an allowance of RM1,000 under Inconvenience Relief Allowance for the damage to the vehicle due to flood and this coverage is limited to one (1) occurrence in each period of insurance.

Can my passengers claim under Loss or Damage to Personal Belongings?

No, this benefit only covers the loss of or damage to the policyholder’s or the authorised driver’s personal belongings due to an accident or snatch theft. 

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 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 written notice to the Company with full details within 7 days upon receiving notice of or sustaining any accident, loss or damage. You may contact any MSIG Branch or your Insurance Adviser 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.

How do I enrol for the Policy?

Just complete the attached proposal form here and send it to us, or your Insurance Adviser.

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

If you have a complaint about our product or services, or you are not satisfied with the rejection or offer of 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 write either to the BNMLINK of Bank Negara Malaysia or the Financial Markets Ombudsman Service (FMOS) (formerly known as Ombudsman for Financial Services (OFS)), free of charge.

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