Even with comprehensive motor insurance, your motor insurance policy will only cover your vehicle during an accident. That means that you will need to bear any hospitalization or ambulance fees as a result.

Do consider getting a Driver’s Personal Accident (DPA) Motor Add-on to protect yourself and your passengers*. In the event that you are injured during the accident, DPA will cover permanent total or partial disablement, medical expenses, hospital income, and more.

For more information, do contact your MSIG Insurance adviser.

*Terms and Conditions Apply. 

The No Claim Discount (NCD) is a discount on your motor insurance premium when you do not make a claim during the previous year of coverage. By maintaining a claim-free record, your NCD rate increases, resulting in reduced car insurance premiums.

Protect your NCD by avoiding small claims.

NCD can be transferred to another type of vehicle of the same class if the policyholder is the same.

Your NCD stays the same even if you switch insurers.

Maintaining your NCD is a financially wise strategy that rewards safe driving and provides significant savings on car insurance premiums over time.

To find out more about NCD, kindly contact your MSIG Insurance Adviser.

Compulsory excess is a fixed sum of RM400 that you have to bear when you make an insurance claim if the driver who was driving the insured vehicle during the accident is below 21 years old; holds a Probationary license (P); or is not named under the policy.

MSIG offers the Waiver of Compulsory Excess Motor Add-On for our comprehensive motor insurance policies.

To find out more about Compulsory Excess and other important things to know about making a claim, please contact your MSIG Insurance Adviser, or click here to watch a video about the MSIG Waiver of Compulsory Excess Motor Add-on.