Overview

When accidents happen, you just don't know how much they are going to cost. Your Motor Insurance may cover a large portion of it but there are other expenses to consider. That's why we go above and beyond with MSIG Out-of-Pocket Expenses Insurance to provide you and your passengers with coverage against unwanted expenditures arising from accidents. Whatever the journey.

Benefits

Core Benefits

• Workshop Allowance when vehicle is laid up in workshop following accident

• Loss Allowance for theft, robbery, hijack or loss of vehicle

• Permanent Disablement coverage for you, your authorised driver and passengers

• Accidental Death coverage for you, your authorised driver and passengers

Special Benefits 1*

• Medical Allowance for you, your authorised driver and passengers

• Vehicle Allowance for windscreen damage

Special Benefits 2*

• Flood Allowance for flood damage to vehicle

• Damage Allowance for strike, riot or civil commotion damage to vehicle

* With added premium

General Exclusions

• War and related risks

• Government Regulations or Acts of Authorities

• Suicide, self-inflicted injury or illness

• Pregnancy, childbirth, physical or mental defect or infirmity

• AIDS, AIDS-related complex or sexually-transmitted diseases

• Influence of alcohol unless alcohol was not a factor contributing to the happening of the injury

• Vehicle used for racing, speed-testing, hire, road-rallying or any other illegal business pursuit

• Accidents outside the Territorial Limits

• Drivers who do not hold a valid driver's license

• Acts of Terrorism

Please refer to your policy document for full list.

Important Notes

• Applicable only to privately registered vehicles which are insured under comprehensive motor coverage.

• Coverage up to maximum of 4 passengers, including authorised driver.

• Compensation will be made in addition to other policies.

• Territorial Limits : Malaysia, Singapore and Brunei Darussalam.

• All Inconvenience Allowance claims are limited to one (1) claim during the policy period, except for Medical Allowance.

• To claim for the Inconvenience Allowance for Vehicle Laid Up in Workshop, your damaged vehicle must be sent to any authorised motor repairers workshop within seven (7) calendar days from the date of accident and the repair time to take at least four (4) calendar days.

• The insurance shall not be effective unless the payable premium has been paid.

• The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the Policy Document.

• You can request to view the full insurance policy before you sign up. Kindly contact MSIG Customer Service Centre for assistance.

• In the event of a conflict between the English and the translated versions of this brochure, the English version shall prevail.

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