OTO 360 Insurance
Personal Accident Protection for You and Your Passengers
Why Choose OTO 360 Insurance?
Personal accident protection and practical support for you and the people travelling with you.
Protection for drivers and passengers
Covers accidental death or permanent disability for the policyholder, authorised driver and passengers while driving, travelling in, getting into or out of the insured car.
24/7 worldwide cover for the policyholder
The policyholder is covered for accidental death and permanent disability anywhere in the world, 24 hours a day, even when not travelling in the insured car.
24-hour roadside assistance
Get help if the insured car breaks down or is involved in an accident, including on-site assistance and towing arrangements.
Practical cash allowances
Receive a fixed RM500 cash allowance for covered events, including vehicle damage, flood, smash and grab, total loss or theft. Claim limits apply.
10% discount when you apply online
Enjoy a 10% discount when you purchase OTO 360 Insurance online.
Three plans to choose from
Select Silver, Gold or Platinum, with different personal accident benefit limits to suit your needs.
You can purchase OTO 360 Insurance regardless of your motor insurance provider, as long as your vehicle has a valid and in-force motor insurance policy.
Explore Now*Refer to the Policy Contract for more details.
What OTO 360 Insurance Covers
OTO 360 Insurance combines personal accident benefits, inconvenience allowances and 24-hour Etiqa Auto Assist support in one annual plan.
Personal accident benefits
The policyholder, authorised driver and passengers are covered for accidental death or disability while driving, travelling in, getting into or getting out of the insured car.
Double indemnity applies to accidental death or specified permanent disability events involving the covered car during a Malaysian national public holiday. Hospital income is paid for every complete 24-hour hospital stay, up to 30 days per accident.
Inconvenience allowances
Get a fixed RM500 cash allowance when the covered car is affected by specified unexpected events.
Note:
You can make up to two claims for vehicle loss or damage in one policy period. You can also make a combined maximum of two claims for flood, smash and grab, and total loss or theft in one policy period.
Plan and Premium Comparison
| Coverage | Plan | ||
|---|---|---|---|
| Silver | Gold | Platinum | |
| Accidental Death | RM10,000 | RM25,000 | RM50,000 |
| Accidental Permanent Disability | Up to RM10,000 | Up to RM25,000 | Up to RM50,000 |
| Annual Premium | RM121 | RM158 | RM201 |
Premium Note: The amounts shown are annual premiums. Applicable taxes, stamp duty and other charges may apply.
What This Plan Does Not Cover
Here are some situations that OTO 360 Insurance does not cover.
Driving without a valid licence
Accidents involving a driver without a valid driving licence, except where the policy states otherwise.
Alcohol or drugs
Accidents involving a driver under the influence of alcohol or drugs.
Illegal or unlicensed use
Use of the insured car for illegal activities or as an unlicensed carrier.
Unlawful acts or self-inflicted injury
Loss arising from an unlawful act, suicide, attempted suicide or self-inflicted injury.
War, rebellion and terrorism
Loss arising from war, invasion, rebellion or terrorism.
Pre-existing conditions
Pre-existing physical or mental conditions.
Hazardous activities
Specified hazardous sports, occupations or activities.
Specified uniformed services
Service in specified military, civil defence, law enforcement, firefighting or security organisations.
This is not the complete list of exclusions. Please refer to the Policy Wording for the full terms, conditions and exclusions.
Emergency Support
Our team is ready to help and guide you on what to do next.
Get help when you need it
If something happens on the road, our team is ready to guide you on what to do next.
Roadside assistance, anytime
You can get help by:
- Pressing the Help button in the Etiqa+ app, or
- Calling the Etiqa Auto Assist Hotline at 1-800-88-6491
Claims notification
If you are involved in an accident, notify Etiqa as soon as possible. You may also contact the Claim Assist line at 1300 88 1007 for claims guidance.
General enquiries
For questions about your OTO 360 Insurance coverage, contact Etiqa Oneline at 1-300-13-8888 or email info@etiqa.com.my.
FAQs About OTO 360 Insurance
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We're here whenever you need us
If you need help, we're here 24/7, anytime, anywhere you are.
