It is a sad fact that the total number of road accidents in Malaysia exceeded 397,300* in 2009. On the average, 18* persons died from these road accidents, every single day in 2009, let alone the even higher numbers who have suffered injury or disablement.
*Source: Bukit Aman Traffic Centre
Each of us driving a car would have experienced some form of a breakdown before, be it punctured tyre, flat battery or some form of mechanical failure. Imagine the inconveniences during such a breakdown either on the highway or at some remote location.
At Allianz, we recognise and understand the needs of private car owners and the problems they face. Besides covering you and your passengers with Personal Accident Cover and other insurance benefits, Road Warrior also provides you with a 24-Hour Car Assistance Program. At times of breakdown or accident anywhere in Malaysia you can be assured or reliable and quick assistance.
Description of Benefits
A. Personal Accident Benefits (Per Unit)
- Death/Permanent Disablement Benefits
Table of Benefits (Death/Permanent Disablement) | Principal Sum Insured (Per Unit) | ||
| Accidental Death/Permanent Disablement Loss of both hand or both feet Loss of sight of both eyes Loss of one eye and one hand Loss of one eye and one foot Total Paralysis (from the neck down) Permanent Quadraplegia (loss or permanent total loss of use of four limbs) Loss of one foot or one hand Loss sight of one eye Insanity Loss of four fingers and thumb in one hand Loss of hearing of both ears Loss of all toes Loss of speech | RM10,000 RM10,000 RM10,000 RM10,000 RM10,000 RM10,000 RM10,000 RM 5,000 RM 5,000 RM 5,000 RM 5,000 RM 5,000 RM 2,000 RM 5,000 | } } } } } } } } } } } } } } } | The aggregate of all losses payable in respect of any one accident shall not exceed RM10,000.00 for any one person under this Section |
2. Medical Expenses Benefit
Reimburses medical expenses up to RM1,000.00 including hospital room and board, clinical, medical and surgical treatment following an accident in the Named Vehicle.
3. Bereavement Benefit
In addition to all other payments, we will pay RM500.00 as bereavement allowance in the event of death of the driver and/or passenger as a result of an accident in the Named Vehicle.
4. Double Indemnity Benefit
Pays double the Principal Sum if the driver and/or passengers suffer either permanent quadraplegia or permanent total paralysis from the neck down or death if the accident involving the Named Vehicle occurs during a nationwide public holiday.
5. Corrective Cosmetic Surgery Benefit
On top of paying medical expenses, we will also pay up to RM1,000.00 for additional expenses incurred for corrective surgical operations to the neck and head following an accident in the Named Vehicle.
6. Hospital Income Benefit
A daily benefit of RM30.00 (up to a maximum of 60 days) is payable to the driver and/or passenger for the period of hospitalisation as a result of an accident in the Named Vehicle.
B. Car Assistance Program
This Program offers you a very comprehensive range of services, 24 hours a day, 365 days a year anywhere in Malaysia. All you need to do is call the 24 Hour Toll Free number to request the following services:
(1) 24-Hour Emergency Towing
[Towing of vehicle up to 450km (roundtrip)]
(2) International Assistance
[Free towing available from Thailand and Singapore in the event of breakdown]
(3) Minor Roadside Repairs
(4) Taxi and Car Rental Assistance
(5) Arrangement For Hotel Accommodation
(7) Referral To Car Service Centres
(8) Referral To Doctors And Hospitals
(9) Legal Assistance
(10) Emergency Message Transmission
All costs incurred in respect of Section (3) to (9) shall be borne by the Insured, driver and/or passenger.
Eligibility
Persons aged between 17 years to 80 years. Table of Premium
| Seating Capacity (Including Driver) | Annual Premium | ||||
| 1 unit | 2 units | 3 units | 4 units | 5 units | |
| 4 seats | RM50 | RM95 | RM135 | RM175 | RM215 |
| 5 seats | RM60 | RM114 | RM162 | RM210 | RM258 |
| 6 seats | RM70 | RM133 | RM189 | RM245 | RM300 |
| Each Additional seat | RM8 | RM15 | RM21 | RM27 | RM33 |
Exclusions
War, civil war, suicide, childbirth, miscarriage, insanity unless caused solely and directly by accidental means to the driver and or passenger(s) while driving, riding, alighting or boarding the Named Vehicle, illness, under influence of liquor or drugs, vehicle used for hire, racing, pacemaking or illegal business pursuit and driver not holding a valid driving licence. Contact me if you want to renew your motor Insurance at:
Anuradha .R
+6 (012) 634 9414
engineer2207@gmail.com
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