eTiQa Insurance & Takaful


We understand the importance of having your own set of wheels whether for work or social reasons. Should an unfortunate event render your car out of commission, the Etiqa Comprehensive Private Car Insurance ensures that your claims are settled in the shortest possible time, so that you're up and running about again. We know you can't afford to be stranded indefinitely.

What are covered under the Comprehensive Private Car Insurance?

Loss or Damage to your vehicle, in circumstances:

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Accidental Collision even if caused by mechanical breakdown or normal wear and tear

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Falling Objects unless caused by flood, storm, or natural disaster

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Fire, Explosion or Lightning

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Burglary, Break-In or Theft

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Malicious Act

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When In Transit (including loading and unloading) by road, rail or inland waterway

Liability to third parties, for:

•	Death or Bodily Injury to a third party
•	Damage to a Third Party's Property caused by your car
•	Legal Costs incurred up to a limit of RM 2,000

What are not covered under the section "Loss or Damage to own vehicle"?

•	Consequential Losses e.g. loss of earnings
•	Losee Of Use Of Car
•	Depreciation, Wear & Tear
•	Damage To Your Car Tyres unless your car is damaged at the same time
•	The amount of the excess shown on your policy schedule

What are not covered under the section "Liability to third parties"?

•	Death or bodily injury to any passenger being carried for hire/reward
•	Damage to any property of a third party under your possession
•	Liability to any member of your household
•	Any claim or legal action against you in court outside Malaysia, Singapore or Negara Brunei Darussalam

What is the additional coverage under this policy?

•	Windscreen Cover: Protects against breakage of glass in your car's windscreen or window (Your No Claim Discount will not be affected by such claim and any excess under the policy would not reply)
•	Car Accessories Cover: Protects against loss or damage to specific accessories (Your No Claim Discount will not be affected by such claim and any excess under the policy would not reply)
•	Additional Drivers Cover: Extends insurance coverage to additional named drivers
•	Special Perils Cover: Protects against damage to your car caused by Flood, Typhoon, Hurricane or Storm
•	Public Disorder Cover: Protects against loss or damage to your car caused by strike, riot or civil commotion
•	Legal Liability Of Passengers: Protects against any legal liability acts of negligence brought against your passengers
•	Legal Liability To Passengers: Protects you against any legal liability brought against you by any of your passengers (This coverage is compulsory if you drive your car in Singapore.)

What are the common circumstances that are unacceptable to make a claim?

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The authorised driver does not possess the appropriate class of license

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Loss or Damage :-

•	Caused by driving while under the influence of drugs or alcohol
•	Caused by unlawful use of the car by any authorised driver
•	To the car caused by Public Disorder (strike, riot and civil commotion)
•	Caused by Flood (unless extended)
•	Resulting from using in motorsports or competitions (i.e. hill-climbing test, rallies)
•	When a car breaks down and is deserted without precautions to prevent further
•	Damage or liability that occurs outside of Malaysia, Singapore or Negara Brunei Darussalam
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Does the plan have any Motor Breakdown Assistance?
Yes. All Etiqa Comprehensive Private Car Insurance customers have access to 24-hour Etiqa Auto Assist. It provides the following motor services:

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24-hour Emergency Towing & Minor Roadside Repair

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Alternative travel assistance

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Arrangement for hotel accommodation

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Referral to Service Centres

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Emergency Messaging Service for you to contact your family and others in the event of an accident

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Please refer to the details of the Etiqa Auto Assist Benefit below

	Etiqa Auto Assist Benefit

Get your Private Car Insurance Policy Contract below.

	Private Car Insurance Policy Contract

Interested in this plan? Drop by any of our many branches across the country or call 1 300 13 8888 to talk to our friendly Customer Service personnel to find out more.