
Lady Motor Plus
Tailored with special coverage for female customers, all in one policy.
Important notice
You must ensure that your vehicle is insured at the appropriate amount as it will affect the amount you can claim. In the event of an accident, you must deal with approved repairers. If you have a comprehensive cover and you are not at fault, you are advised to submit your claim to your insurance company. You must nominate a nominee and ensure that your nominee is aware of the personal accident policy that you have purchased. You should read and understand the insurance policy and discuss with your insurance adviser or contact the insurance company directly for more information.
MSIG Insurance (Malaysia) Bhd is a member of PIDM. The benefit(s) payable under eligible product is protected by PIDM up to limits. Please refer to PIDM's TIPS Brochure or contact MSIG Insurance (Malaysia) Bhd or PIDM (visit www.pidm.gov.my).
Key benefits
Comprehensive cover
MSIG Lady Motor Plus is a Comprehensive Private Car insurance that is enhanced with special covers that cater to female customers all in a single policy.
Basic coverage includes:
- Third Party bodily injury or death;
- Third Party property loss or damage; and
- Loss or damage to your own vehicle due to accidental fire, theft or accident.
See Coverage below for list of covers provided.
Policyholder's personal accident
Provides cover for the policyholder only against death or permanent disablement up to RM50,000 due to road accident.
Inconvenience relief allowance
Provides allowance in the event of total loss, theft or damage to your vehicle due to flood.
Note: This add-on is packaged with Lady Motor Plus and not available for sale individually as Optional Add-on Cover.
Loss or damage to personal belongings
Compensates for the loss of or damage to your or your authorised driver's personal belongings due to an accident or snatch theft.
Note: This add-on is packaged with Lady Motor Plus and not available for sale individually as Optional Add-on Cover.
Transportation allowance
Covers your transportation expenses when your vehicle is involved in an accident and towed to an approved workshop for repair.
Note: This add-on is packaged with Lady Motor Plus and not available for sale individually as Optional Add-on Cover.
Full special perils
Provides cover for loss or damage to your car due to flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsions of nature.
Coverage
Read the product disclosure sheet and general terms and conditions before taking out this insurance. View downloads
- Third party bodily injury or death
- Third party property loss or damage
- Loss or damage to your own vehicle due to accidental fire, theft or accident
- Policyholder's personal accident
- Inconvenience relief allowance
- Loss or damage to personal belongings
- Transportation allowance
- Full special perils
Policyholder’s Personal Accident
Provides cover for the policyholder only against death or permanent disablement up to RM50,000 due to road accident.
Inconvenience Relief Allowance
One-time lump sum of RM1,000 in the event of total loss, theft of your car, or damage to your car due to flood.
Loss or Damage to Personal Belongings
Provides a one-time compensation of RM1,000 for the loss or damage to your or your authorised driver’s personal belongings due to snatch theft or when your car is involved in an accident.
Transportation Allowance
Provides an allowance of RM100 to cover your transportation expenses when your car is involved in an accident and towed to an approved workshop for repair.
Full Special Perils
Provides cover for loss or damage to your car due to flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsions of nature.
Note: Duration of cover is for one year. You need to renew the insurance cover annually.
- Death or bodily injury of your authorised driver and/or passengers due to an accident
- Your liability against claims from passengers in your vehicle
- Theft of non-factory fitted vehicles accessories (vehicle stereos, leather seats, etc.) unless otherwise declared
- Your vehicle is driven by you or your authorised driver whilst under the influence of alcohol or drugs
- Any loss, damage or liability caused by your vehicle when used for an unlawful purpose
- Your vehicle is left unattended in the event of any accident or breakdown
- Driven by any person other than an authorised driver
- Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages
- War and related risks
Note: This list is non-exhaustive. Please refer to the Policy Document for the full list of exclusions under this Policy.
Add-on
Windscreen

- Covers the breakage of glass in windscreens, front, rear, side windows, sunroof and lamination or tinting film.
- The damaged windscreen will be replaced and your No-Claim-Discount (NCD) entitlement will not be affected.
Available with
EZ-Mile
Provides you a choice of plans with different mileage that lets you pay-as-you-drive and save on premium to suit your car usage during the year.
View the EZ-Mile Product Disclosure Sheet here.
View the EZ-Mile FAQ here.
Learn more
Available with
Smart key shield
- Covers the cost of repair, replace, and/or reprogram your Smart Car Key in the event of theft, loss, or accidental damage.
- Covers 1 set of Smart Car Key per car.
Available with
Legal liability of passengers
Provides cover against legal liability sought by third party against you for the actions of your passengers.
Available with
Legal liability to passengers
Provides cover against legal liability sought by your passengers against you in the event of an accident due to your negligence.
Available with
Windscreen

- Covers the breakage of glass in windscreens, front, rear, side windows, sunroof and lamination or tinting film.
- The damaged windscreen will be replaced and your No-Claim-Discount (NCD) entitlement will not be affected.
Available with
View allEZ-Mile
Provides you a choice of plans with different mileage that lets you pay-as-you-drive and save on premium to suit your car usage during the year.
View the EZ-Mile Product Disclosure Sheet here.
View the EZ-Mile FAQ here.
Learn more
Available with
View allSmart key shield
- Covers the cost of repair, replace, and/or reprogram your Smart Car Key in the event of theft, loss, or accidental damage.
- Covers 1 set of Smart Car Key per car.
Available with
View allLegal liability of passengers
Provides cover against legal liability sought by third party against you for the actions of your passengers.
Available with
View allLegal liability to passengers
Provides cover against legal liability sought by your passengers against you in the event of an accident due to your negligence.
Available with
View allFrequently asked questions
Female vehicle owners aged 17 years old and above with a valid driving licence.
No, this product is restricted to female private vehicle owners 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.
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.
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.
Downloads
Lady Motor Plus Insurance Policy Wording Booklet - ENG
Lady Motor Plus Insurance Policy Wording Booklet - BM
MSIG Lady Motor Plus Brochure with PDS
Motor Proposal Form
Motor Add-On Proposal Form
Ready to get covered?

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