Malaysia Insurance Tip, Insurance Information, Insurance Act, insurance policy clauses, extension coverage, endorsement, exclusion, policy wording and insurance terms
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MMI Global Assist Line +6011-12239838 Whatsapp, Line, Viber.
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GLOBAL PERSONAL ACCIDENT INSURANCE POLICY (USD)
USD 30 per year only for a protection of up to USD 40,000
Underwritten by Asia Specialty Insurance Limited, specially designed for all classes of occupation, this policy provides compensation up to USD 40,000 in the event of accidental death or permanent disablement due to accident.
It can help mitigate risk associated with working outdoors, and can safeguard your family’s financial future.
Besides covering accidents, this policy also covers funeral and repatriation expenses — ensuring your family has one less thing to worry about when the time comes. Covers funeral expenses due to accident subject to maximum of USD 800.00 only.
Covers repatriation expenses due to accident (i.e. cost of transportation of mortal remains to the insured home) subject to maximum of USD 2,000.00 only.
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Anthony Chin
MMI Chairman
Malaysia Medical Insurance Organization (MMI)
www.medicalinsurance.com.my
Malaysia Motor Insurance Latest News Update Sharing
1/7/2017 onwards,
Malaysia Enforce Liberalisation of Motor Tariff....., which mean no more FIXED premium and you need choose the best rate in Market...!!!
We ACPG sincere advice you and Your company to choose better experience n responsible motor insurance agency.
We sincere advice you and your company to choose senior insurance knowledge experience and widest choice of insurance companies as ACPG Group of Companies with more than 10 principal insurers and in insurance industry more than 28 years.
We ACPG have more than 300 Platinum Standard Panel Repair Workshops Nationwide provide warranty repair services n original part replacement.
We ACPG available Online Service convenience our customer renew motor insurance n road tax via credit card payment n delivery road tax to door step Nationwide service.
We sincere wish your kindness given chance to us ACPG to service you n your family's..
Shared By
Anthony Chin,CEO
ACPG Management Sdn Bhd
Head Office
158-3-7, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,Cheras
55100 Kuala Lumpur, Malasyia.
03-92863323
011-12239838 (WhatsApp)
Your Experience Insurance Advisory Service Provider since year 1989.
30/06/2017.
ACPG Motor Insurance Tips Sharing
Find out the current insurer for your vehicle, type of coverage, policy period and policy number by entering your details below.
I-Search "Free"
https://www.mycarinfo.com.my/ISearch/Enquiry?version=b2c
For your general knowledge about Malaysia Motor Insurance NCD "No Claim Discount" info
NCB Discount up to 55% is able to transfer to any malaysia insurance company on your next renewal, all insurance company will offer same NCB % rate when you renew your motor insurance policy with others insurance company.
You able to check your current n next renewal NCB % entitlement status n your policy cover period as below link...
I-Search "Free"
https://www.mycarinfo.com.my/NCDCheck/Online
PIAM APPROVED REPAIRERS SEARCH
Today PIAM manages 655 PARS repairers that are operating nationwide. The benefit of PARS to the policyholders includes:-
a warranty period of 6 months on workmanship given by the workshop on the repaired vehicle, comfort that the workshops have been approved by PIAM and a body that the policyholders can refer to if the services of these workshops are not satisfactory
Members’ insurance companies of PIAM may select only repairers that are registered under the PARS as their authorised workshops to repair their insureds vehicles. These insurers will thus have a selected number of PARS workshops as their approved workshops.
Search for PIAM authorized repairers in your area here.
http://www.piam.org.my/search-for-piam-approved-repairers/
Malaysia Motor Insurance Insurers
AIG Malaysia Motor Insurance Kuala Lumpur
AIA Malaysia Motor Insurance Kuala Lumpur
AXA Malaysia Motor Insurance Kuala Lumpur
AMGeneral Malaysia Motor Insurance Kuala Lumpur
Allianz Malaysia Motor Insurance Kuala Lumpur
Berjaya Sompo Malaysia Motor Insurance Kuala Lumpur
Chubb Malaysia Motor Insurance Kuala Lumpur
Etiqa Takaful Malaysia Motor Insurance Kuala Lumpur
Kurnia Malaysia Motor Insurance Kuala Lumpur
Liberty Malaysia Motor Insurance Kuala Lumpur
Lonpac Malaysia Motor Insurance Kuala Lumpur
MSIG Malaysia Motor Insurance Kuala Lumpur
MPI General Malaysia Motor Insurance Kuala Lumpur
Progressive Malaysia Motor Insurance Kuala Lumpur
RHB Malaysia Motor Insurance Kuala Lumpur
The Pacific Malaysia Motor Insurance Kuala Lumpur
Takaful Malaysia Motor Insurance Kuala Lumpur
Tokio Marine Malaysia Motor Insurance Kuala Lumpur
Tune Malaysia Motor Insurance Kuala Lumpur
QBE Malaysia Motor Insurance Kuala Lumpur
Zurich Malaysia Motor Insurance Kuala Lumpur
ACPG Share +603-92863323, +6011-12239838
AXA Affin unveils Malaysia’s first telematics-based motor insurance
The Star Online, Tuesday, 11 July 2017.
KUALA LUMPUR: AXA Affin General Insurance Bhd has become the first insurance company to take advantage of the detariffed auto insurance environment by launching its AXA FlexiDrive, Malaysia’s first telematics-based motor insurance.
The technology would help drivers better understand their driving behaviour through the installation of a special tracking device and the use of the AXA FlexiDrive mobile app in an insured vehicle.
Discounts of up to 20% of the premiums can be offered upon renewal of a motor insurance policy with AXA Affin depending on the driver’s behaviour that takes into consideration speed, mileage and harsh driving.
"We give you benefit discounts if you drive well but we do not penalise the driver if he does not drive so well. We do not penalise drivers by raising their premiums,” AXA Affin General Insurance’s chief transformation & operation’s officer management Rohit C Nambiar said at a press conference during the launch yesterday.
Users have to pay a security deposit of RM70 for the telematics device but AXA Affin said other devices that are in the market or already installed in vehicles would also be accepted provided they meet a certain technical standard and is compatible with the system.
Malaysia is the first country in the Asia Pacific Region in which AXA Affin operates in to have such a telematics technology for its motor insurance.
The technology also offers peace of mind while driving with round a clock vehicle security and theft recovery system in which users receive real-time alerts when any vehicle faces sabotage or damage is detected.
In cases of theft, AXA Affin will work with the police to recover the stolen vehicle upon receiving the police report.
The telematic technology also gives users enhanced safety on the road where in the event of accidents an alert will be automatically triggered and upon verification, an emergency medical assistance will be dispatched to the exact crash location.
AXA Affin presently has this telematic technology as an insurance option in more than 11 countries over the world.
"We did a test in Malaysia before this launch for one million km on 144 vehicles. Over the period of eight months we’ve only had two minor accidents but more importantly we noticed that people have become more aware of their driving behaviour,” Rohit said.
"This is the power of telematics, where suddenly someone like me who thinks I am a good and safe driver realises that I am not such a good driver after all. Stolen cars can also be recovered in just a short span of time,” he added.
Read more at http://www.thestar.com.my/business/business-news/2017/07/11/axa-affin-unveils-malaysias-first-telematicsbased-motor-insurance/#1UpiUjl5AU3zsIBW.99
Shared By
Anthony Chin
Chief Executive Officer
ACPG Management Sdn Bhd
+603-92863323. +6011-12239838 (Whatsapp)
Insurans Motor AXA, Insurans Kereta AXA,
AXA Malaysia Motor Insurance, AXA Motor Insurance Cheras, AXA Motor Insurance Ampang, AXA Motor Insurance Kuala Lumpur, AXA Motor Insurance Selangor
Arranged By
ACPG Management Sdn Bhd
158-3-7, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.
ACPG Careline +603-92863323, +6011-12239838 (Whatsapp)
Email : enquiry@acpgconsultant.com
#Auto , #Automotive , #AXAAffin , #Telematics , #AXAFlexiDrive , #driver , #motorinsurance, #axamotorinsurance, #axamalaysia, #AXAACPG , #axamotorinsurancecheras, #axamercedes,
8TV 八度空间华语新闻11.07.2017
AAGI车险新配套 驾驶态度良好折扣20%
我国车险自由浮动价格机制这个月初开跑，对于拥有良好驾驶态度的车主都期待能从新机制得到额外优惠。
AXA 安盛艾芬保险有限公司就向消费者推介了全新汽车保险配套AXA FlexiDrive，放眼在未来18到24个月内吸引高达4万5千名新客户。
ACPG 最新消息
AXA Flexi Drive 车险配套奖励驾驶良好的车主由ACPG 保险服务管理公司安排
ACPG Management Sdn Bhd
03-92863323
011-12239838 (whatsapp)
第一个远程信息处理汽车保险，奖励您作为安全驾驶车主的程序 !
本地保险公司AXA Affin General Insurance（AAGI） 安盛艾芬保险有限公司, 今天向消费者推介了全新的汽车保险配套AXA FlexiDrive，这个保险配套的特别之处在于保险公司将会在顾客的车子内安装一台检测器，并以此向驾驶态度良好的车主提供保费折扣，同时也可用作防盗和失窃后的追踪用途。
这台小型的侦测器由卫星定位仪（GPS）、SIM卡和将速度侦测器组成，被安装在消费者车子的电池上，它可收集车子的行驶速度、加速和煞车行为表现，以及推算车主的驾驶习惯和态度，保险公司在收集到这些数据后，将会对驾驶行为良好的车主提供高达20%的下一次保险更新费用折扣。
除此之外，这个侦测器也可以实时侦测车子的动态情况，并可判断车子是否发生剧烈撞击，一旦侦测到车身发生剧烈撞击，保险公司将会协助通知紧急单位，并派出救护人员到场提供急救，同时这架侦测器也会侦测车子是否有遭人破坏或企图偷窃，一旦车主向警方报案称车子失窃，保险公司也可透过这架侦测器协助警方寻回失窃的车子。
不仅如此，购买此保险配套的消费者也可在手机下载AXA FlexiDrive的App，用户可在此App内查询本身享有的保费折扣金额、车上电池的电量状况，以及翻阅本身的驾驶数据，包括平均时速等。
购买这份保险配套的消费者是无需额外付费就可以享有以上的服务，消费者只需付70令吉的抵押金（结束后可退款）给保险公司，保险公司就会协助把这架侦测器安装在您的车子上。
当然，保险公司也保证他们透过这台侦测器所收集到的所有数据，包括车子的驾驶方式数据等都不会对第三者公开，仅供保险公司本身的业务用途，并且保证会依据我国个人资料保护法令（PDPA）来处理这些私人资料，而且只有车主本身才可在手机上追踪车子的实时行踪。
分享资讯
Anthony Chin
ACPG 首席执行官
ACPG Management Sdn Bhd
AXA Motor Insurance Flexi Drive 1st Telematics Motor Insurance in Malaysia
Arranged By
ACPG Management Sdn Bhd
+603-92863323 or +6011-12239838 (Whatsapp)
The 1st Telematics Motor Insurance That Rewards You For Being A Safe Driver.
Connect your car with premium discounts, safety and security on the road…at no additional premium!
FlexiDrive
You deserve to be rewarded for being a safe driver. AXA FlexiDrive is the motor insurance that gives you that while offering enhanced safety and security to keep you even safer on the road!
Key benefits explained
Safe Driving Bonus Up To 20%
AXA FlexiDrive tracks your driving behavior and rewards you with up to 20% savings on your next motor insurance renewal
Enhanced Safety Features
Automatic Accident Alert will be triggered when your vehicle is in a severe accident (impact exceeding severity threshold)
24/7 Vehicle Security & Theft Recovery
Real time alerts and police assistance upon customer notification for vehicle recovery
Smart Connectivity For Your Vehicle
Check your car status on the AXA FlexiDrive mobile app, including car battery battery and ignition status
Interested in this product?
Your privacy is safe with AXA FlexiDrive!
1. All data subject to the Personal Data Protection Act (PDPA) will be handled confidentially.
2. Your data will not be shared with third parties other than appointed AXA FlexiDrive vendors; unless you request to have the data forwarded, or due to legal disclosure obligation to a court or authority.
3. You can request to have your driving behavior data deleted at any time. The Safe Driving Bonus ceases to apply and the insurance contract is adjusted to the standard comprehensive policy premium. We reserve the right to request for the AXA FlexiDrive telematics device returned.
4. All data subject to the Personal Data Protection Act (PDPA) will be handled confidentially.
What Is Motor Insurance Liberalisation In Malaysia?
Better Protection For Malaysians With The Liberalisation Of Motor Insurance.
Motor Insurance Detariffication or Liberalisation.
Effective 1 July 2017, motor insurance in Malaysia will be de-tariffed.
Insurance companies will be able to practice risk-based pricing, and use their own method to calculate premiums for car insurance, based on the risk profile of the customer.
For more information on your malaysia motor insurance detariffication and how it affects you, click on the link here https://www.facebook.com/acpg.management
Insurans Motor AXA, Insurans Kereta AXA,
AXA Malaysia Motor Insurance, AXA Motor Insurance Cheras, AXA Motor Insurance Ampang, AXA Motor Insurance Kuala Lumpur, AXA Motor Insurance Selangor
Arranged By
ACPG Management Sdn Bhd
158-3-7, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.
ACPG Careline +603-92863323, +6011-12239838 (Whatsapp)
Email : enquiry@acpgconsultant.com
Road Tax Motor Insurance Cheras Kuala Lumpur Directory
Services Provided By
ACPG Management Sdn Bhd
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323
What is the ACPG Insurer Comprehensive Private Vehicle all about?
This policy will compensate for liabilities to third parties for injury or death, damage to third parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle. Have financial protection for when you or other motorists are reckless on the road!
What are the optional benefits offered?
Some of the optional benefits offered are as follows:
Breakage of glass in windscreen, window or sunroof
Legal Liability to Passengers
Strike, riot and civil commotion
Current year NCD relief
Vehicle accessories
How much premium do I have to pay?
The premium you have to pay may vary depending on the sum insured and cubic capacity of your vehicle, no-claim discount ( NCD) entitlement, optional benefits added, and ACPG Insurer's underwriting requirements.
What are the major exclusions under this policy?
This policy does not cover certain losses such as,:
Your own death or bodily injury due to a motor accident
Your liability against claims from passengers in your vehicle
Loss, damage or liability arising from an act of nature i.e. flood, storm, or landslide and others.
Car Insurance Cheras Kuala Lumpur Directory
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KURNIA Nissan Motor Insurance Cheras Kuala Lumpur
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KURNIA Porsche Motor Insurance Cheras Kuala Lumpur
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MYEG Road Tax Motor Insurance Malaysia Online Renew Services
Service Provide By
ACPG Management Sdn Bhd (Insurance Biz since Year 1989)
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323, +6011-12239838
What is the ACPG Insurer Comprehensive Private Vehicle all about?
This policy will compensate for liabilities to third parties for injury or death, damage to third parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle. Have financial protection for when you or other motorists are reckless on the road!
What are the optional benefits offered?
Some of the optional benefits offered are as follows:
Breakage of glass in windscreen, window or sunroof
Legal Liability to Passengers
Strike, riot and civil commotion
Current year NCD relief
Vehicle accessories
How much premium do I have to pay?
The premium you have to pay may vary depending on the sum insured and cubic capacity of your vehicle, no-claim discount ( NCD) entitlement, optional benefits added, and ACPG Insurer's underwriting requirements.
What are the major exclusions under this policy?
This policy does not cover certain losses such as,:
Your own death or bodily injury due to a motor accident
Your liability against claims from passengers in your vehicle
Loss, damage or liability arising from an act of nature i.e. flood, storm, or landslide and others.
MYEG Car Insurance Malaysia
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Special Type Commercial KURNIA Motor Insurance Cheras Kuala Lumpur
LONPAC Audi Motor Insurance Cheras Kuala Lumpur
LONPAC Bentley Motor Insurance Cheras Kuala Lumpur
LONPAC BMW Motor Insurance Cheras Kuala Lumpur
LONPAC Citroen Motor Insurance Cheras Kuala Lumpur
LONPAC Ferrari Motor Insurance Cheras Kuala Lumpur
LONPAC Ford Motor Insurance Cheras Kuala Lumpur
LONPAC Honda Motor Insurance Cheras Kuala Lumpur
LONPAC Jaguar Motor Insurance Cheras Kuala Lumpur
LONPAC Kia Motor Insurance Cheras Kuala Lumpur
LONPAC Hyundai Motor Insurance Cheras Kuala Lumpur
LONPAC Lexus Motor Insurance Cheras Kuala Lumpur
LONPAC Mazda Motor Insurance Cheras Kuala Lumpur
LONPAC Mercedes Motor Insurance Cheras Kuala Lumpur
LONPAC Mini Cooper Motor Insurance Cheras Kuala Lumpur
LONPAC Mitsubishi Motor Insurance Cheras Kuala Lumpur
LONPAC Myvi Motor Insurance Cheras Kuala Lumpur
LONPAC Nissan Motor Insurance Cheras Kuala Lumpur
LONPAC Peugeot Motor Insurance Cheras Kuala Lumpur
LONPAC Porsche Motor Insurance Cheras Kuala Lumpur
LONPAC Proton Motor Insurance Cheras Kuala Lumpur
LONPAC Perodua Motor Insurance Cheras Kuala Lumpur
LONPAC Toyota Motor Insurance Cheras Kuala Lumpur
LONPAC Volkswagen Motor Insurance Cheras Kuala Lumpur
LONPAC Volvo Motor Insurance Cheras Kuala Lumpur
LONPAC Permit A Commercial Motor Insurance Cheras Kuala Lumpur
LONPAC Permit C Commercial Motor Insurance Cheras Kuala Lumpur
LONPAC Special Type Commercial Motor Insurance Cheras Kuala Lumpur
Audi LONPAC Motor Insurance Cheras Kuala Lumpur
Bentley LONPAC Motor Insurance Cheras Kuala Lumpur
BMW LONPAC Motor Insurance Cheras Kuala Lumpur
Citroen LONPAC Motor Insurance Cheras Kuala Lumpur
Ferrari LONPAC Motor Insurance Cheras Kuala Lumpur
Ford LONPAC Motor Insurance Cheras Kuala Lumpur
Honda LONPAC Motor Insurance Cheras Kuala Lumpur
Jaguar LONPAC Motor Insurance Cheras Kuala Lumpur
Kia LONPAC Motor Insurance Cheras Kuala Lumpur
Hyundai LONPAC Motor Insurance Cheras Kuala Lumpur
Lexus LONPAC Motor Insurance Cheras Kuala Lumpur
Mazda LONPAC Motor Insurance Cheras Kuala Lumpur
Mercedes LONPAC Motor Insurance Cheras Kuala Lumpur
Mini Cooper LONPAC Motor Insurance Cheras Kuala Lumpur
Mitsubishi LONPAC Motor Insurance Cheras Kuala Lumpur
Myvi LONPAC Motor Insurance Cheras Kuala Lumpur
Nissan LONPAC Motor Insurance Cheras Kuala Lumpur
Peugeot LONPAC Motor Insurance Cheras Kuala Lumpur
Porsche LONPAC Motor Insurance Cheras Kuala Lumpur
Proton LONPAC Motor Insurance Cheras Kuala Lumpur
Perodua LONPAC Motor Insurance Cheras Kuala Lumpur
Toyota LONPAC Motor Insurance Cheras Kuala Lumpur
Volkswagen LONPAC Motor Insurance Cheras Kuala Lumpur
Volvo LONPAC Motor Insurance Cheras Kuala Lumpur
Permit A Commercial LONPAC Motor Insurance Cheras Kuala Lumpur
Permit C Commercial LONPAC Motor Insurance Cheras Kuala Lumpur
Special Type Commercial LONPAC Motor Insurance Cheras Kuala Lumpur
MSIG Audi Motor Insurance Cheras Kuala Lumpur
MSIG Bentley Motor Insurance Cheras Kuala Lumpur
MSIG BMW Motor Insurance Cheras Kuala Lumpur
MSIG Citroen Motor Insurance Cheras Kuala Lumpur
MSIG Ferrari Motor Insurance Cheras Kuala Lumpur
MSIG Ford Motor Insurance Cheras Kuala Lumpur
MSIG Honda Motor Insurance Cheras Kuala Lumpur
MSIG Jaguar Motor Insurance Cheras Kuala Lumpur
MSIG Kia Motor Insurance Cheras Kuala Lumpur
MSIG Hyundai Motor Insurance Cheras Kuala Lumpur
MSIG Lexus Motor Insurance Cheras Kuala Lumpur
MSIG Mazda Motor Insurance Cheras Kuala Lumpur
MSIG Mercedes Motor Insurance Cheras Kuala Lumpur
MSIG Mini Cooper Motor Insurance Cheras Kuala Lumpur
MSIG Mitsubishi Motor Insurance Cheras Kuala Lumpur
MSIG Myvi Motor Insurance Cheras Kuala Lumpur
MSIG Nissan Motor Insurance Cheras Kuala Lumpur
MSIG Peugeot Motor Insurance Cheras Kuala Lumpur
MSIG Porsche Motor Insurance Cheras Kuala Lumpur
MSIG Proton Motor Insurance Cheras Kuala Lumpur
MSIG Perodua Motor Insurance Cheras Kuala Lumpur
MSIG Toyota Motor Insurance Cheras Kuala Lumpur
MSIG Volkswagen Motor Insurance Cheras Kuala Lumpur
MSIG Volvo Motor Insurance Cheras Kuala Lumpur
MSIG Permit A Commercial Motor Insurance Cheras Kuala Lumpur
MSIG Permit C Commercial Motor Insurance Cheras Kuala Lumpur
MSIG Special Type Commercial Motor Insurance Cheras Kuala Lumpur
Audi MSIG Motor Insurance Cheras Kuala Lumpur
Bentley MSIG Motor Insurance Cheras Kuala Lumpur
BMW MSIG Motor Insurance Cheras Kuala Lumpur
Citroen MSIG Motor Insurance Cheras Kuala Lumpur
Ferrari MSIG Motor Insurance Cheras Kuala Lumpur
Ford MSIG Motor Insurance Cheras Kuala Lumpur
Honda MSIG Motor Insurance Cheras Kuala Lumpur
Jaguar MSIG Motor Insurance Cheras Kuala Lumpur
Kia MSIG Motor Insurance Cheras Kuala Lumpur
Hyundai MSIG Motor Insurance Cheras Kuala Lumpur
Lexus MSIG Motor Insurance Cheras Kuala Lumpur
Mazda MSIG Motor Insurance Cheras Kuala Lumpur
Mercedes MSIG Motor Insurance Cheras Kuala Lumpur
Mini Cooper MSIG Motor Insurance Cheras Kuala Lumpur
Mitsubishi MSIG Motor Insurance Cheras Kuala Lumpur
Myvi MSIG Motor Insurance Cheras Kuala Lumpur
Nissan MSIG Motor Insurance Cheras Kuala Lumpur
Peugeot MSIG Motor Insurance Cheras Kuala Lumpur
Porsche MSIG Motor Insurance Cheras Kuala Lumpur
Proton MSIG Motor Insurance Cheras Kuala Lumpur
Perodua MSIG Motor Insurance Cheras Kuala Lumpur
Toyota MSIG Motor Insurance Cheras Kuala Lumpur
Volkswagen MSIG Motor Insurance Cheras Kuala Lumpur
Volvo MSIG Motor Insurance Cheras Kuala Lumpur
Permit A Commercial MSIG Motor Insurance Cheras Kuala Lumpur
Permit C Commercial MSIG Motor Insurance Cheras Kuala Lumpur
Special Type Commercial MSIG Motor Insurance Cheras Kuala Lumpur
PACIFIC Audi Motor Insurance Cheras Kuala Lumpur
PACIFIC Bentley Motor Insurance Cheras Kuala Lumpur
PACIFIC BMW Motor Insurance Cheras Kuala Lumpur
PACIFIC Citroen Motor Insurance Cheras Kuala Lumpur
PACIFIC Ferrari Motor Insurance Cheras Kuala Lumpur
PACIFIC Ford Motor Insurance Cheras Kuala Lumpur
PACIFIC Honda Motor Insurance Cheras Kuala Lumpur
PACIFIC Jaguar Motor Insurance Cheras Kuala Lumpur
PACIFIC Kia Motor Insurance Cheras Kuala Lumpur
PACIFIC Hyundai Motor Insurance Cheras Kuala Lumpur
PACIFIC Lexus Motor Insurance Cheras Kuala Lumpur
PACIFIC Mazda Motor Insurance Cheras Kuala Lumpur
PACIFIC Mercedes Motor Insurance Cheras Kuala Lumpur
PACIFIC Mini Cooper Motor Insurance Cheras Kuala Lumpur
PACIFIC Mitsubishi Motor Insurance Cheras Kuala Lumpur
PACIFIC Myvi Motor Insurance Cheras Kuala Lumpur
PACIFIC Nissan Motor Insurance Cheras Kuala Lumpur
PACIFIC Peugeot Motor Insurance Cheras Kuala Lumpur
PACIFIC Porsche Motor Insurance Cheras Kuala Lumpur
PACIFIC Proton Motor Insurance Cheras Kuala Lumpur
PACIFIC Perodua Motor Insurance Cheras Kuala Lumpur
PACIFIC Toyota Motor Insurance Cheras Kuala Lumpur
PACIFIC Volkswagen Motor Insurance Cheras Kuala Lumpur
PACIFIC Volvo Motor Insurance Cheras Kuala Lumpur
PACIFIC Permit A Commercial Motor Insurance Cheras Kuala Lumpur
PACIFIC Permit C Commercial Motor Insurance Cheras Kuala Lumpur
PACIFIC Special Type Commercial Motor Insurance Cheras Kuala Lumpur
Audi PACIFIC Motor Insurance Cheras Kuala Lumpur
Bentley PACIFIC Motor Insurance Cheras Kuala Lumpur
BMW PACIFIC Motor Insurance Cheras Kuala Lumpur
Citroen PACIFIC Motor Insurance Cheras Kuala Lumpur
Ferrari PACIFIC Motor Insurance Cheras Kuala Lumpur
Ford PACIFIC Motor Insurance Cheras Kuala Lumpur
Honda PACIFIC Motor Insurance Cheras Kuala Lumpur
Jaguar PACIFIC Motor Insurance Cheras Kuala Lumpur
Kia PACIFIC Motor Insurance Cheras Kuala Lumpur
Hyundai PACIFIC Motor Insurance Cheras Kuala Lumpur
Lexus PACIFIC Motor Insurance Cheras Kuala Lumpur
Mazda PACIFIC Motor Insurance Cheras Kuala Lumpur
Mercedes PACIFIC Motor Insurance Cheras Kuala Lumpur
Mini Cooper PACIFIC Motor Insurance Cheras Kuala Lumpur
Mitsubishi PACIFIC Motor Insurance Cheras Kuala Lumpur
Myvi PACIFIC Motor Insurance Cheras Kuala Lumpur
Nissan PACIFIC Motor Insurance Cheras Kuala Lumpur
Peugeot PACIFIC Motor Insurance Cheras Kuala Lumpur
Porsche PACIFIC Motor Insurance Cheras Kuala Lumpur
Proton PACIFIC Motor Insurance Cheras Kuala Lumpur
Perodua PACIFIC Motor Insurance Cheras Kuala Lumpur
Toyota PACIFIC Motor Insurance Cheras Kuala Lumpur
Volkswagen PACIFIC Motor Insurance Cheras Kuala Lumpur
Volvo PACIFIC Motor Insurance Cheras Kuala Lumpur
Permit A Commercial PACIFIC Motor Insurance Cheras Kuala Lumpur
Permit C Commercial PACIFIC Motor Insurance Cheras Kuala Lumpur
Special Type Commercial PACIFIC Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Audi Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Bentley Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE BMW Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Citroen Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Ferrari Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Ford Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Honda Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Jaguar Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Kia Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Hyundai Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Lexus Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Mazda Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Mercedes Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Mini Cooper Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Mitsubishi Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Myvi Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Nissan Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Peugeot Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Porsche Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Proton Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Perodua Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Toyota Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Volkswagen Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Volvo Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Permit A Commercial Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Permit C Commercial Motor Insurance Cheras Kuala Lumpur
TOKIO MARINE Special Type Commercial Motor Insurance Cheras Kuala Lumpur
Audi TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Bentley TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
BMW TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Citroen TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Ferrari TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Ford TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Honda TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Jaguar TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Kia TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Hyundai TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Lexus TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Mazda TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Mercedes TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Mini Cooper TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Mitsubishi TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Myvi TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Nissan TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Peugeot TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Porsche TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Proton TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Perodua TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Toyota TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Volkswagen TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Volvo TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Permit A Commercial TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Permit C Commercial TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
Special Type Commercial TOKIO MARINE Motor Insurance Cheras Kuala Lumpur
MYEG Online Road Tax Motor Insurance Cheras Kuala Lumpur
Nissan Motor Insurance Malaysia Online Renewal
ACPG Management Sdn Bhd (ACPG)
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
enquiry@acpgconsultant.com
+603-92863323, +6011-12239838
This is ACPG panel of insurers program implemented to serve our ACPG private comprehensive motor insurance customers better.
Benefits include:
No Betterment Charge up to 15 Years In an accident claim,
ACPG panel of Insurers do not pay full amount when new parts have to be installed due to betterment charge.
There is no Betterment charge on repair work for vehicles up to 15 years old provided the insurance is purchased extended coverage from ACPG panel of insurers.
This would result in a saving of up to 40% of parts cost.
For non-Nissan/Renault vehicles up to 7 years old, Insured can also enjoy no Betterment charge on repair work with a saving of up to 25%.
Free INSURCARE Auto Breakdown Service In the event of breakdown or collision,
ACPG panel of insurers provide FREE vehicle towing up to RM300 per tow for breakdowns or up to RM200 for collisions, and unlimited times per policy period.
It also provides minor on-the-spot repairs (with a nominal fee) within the 12 months membership validity period.
Fast Repair Service In an accident claim (Own Damage), if the estimated repair cost is less than RM5,000/= and with complete documents, ACPG panel of insurers will proceed with repairs within 24 working hours.
No Loading
Under normal circumstances, Insurance Companies would charge a loading fee on top of the normal premium for vehicles which are 10 years old and above.
However, ACPG panel of insurers has agreed to waive loading (no additional premium) up to 15 years.
No Excess
ACPG panel of insurers has agreed to waive excess for vehicles insured through us, subject to Terms & Conditions.
Credit Card Payment
ACPG panel of insurers accept Visa and Master Credit Cards payment for your motor insurance renewals.
You can enjoy the convenience of cashless purchases and earn credit card points.
Furthermore, you can also request for credit card authorization form to be faxed over to you for your endorsement and return fax to our branches or showrooms for them to act immediately.
You do not have to be physically at our office to make your payment.
One Stop Centre for Claims
ACPG panel of insurers have one stop centre for claims processing and general assistance, which include handling accident reports, liaising with the loss adjuster, submitting documents to insurers plus general advice related to accident claims procedures.
Road Tax Renewal Assistance
ACPG render Road Tax renewal service to our esteemed customers.
For a nominal fee, you will enjoy a hassle free renewal of road tax without having to queue up for it.
Corporate Agent
ACPG as a corporate agent, we act as an effective mediator for your claims.
ACPG panel of insurers Motor Comprehensive insurance covers your car against liabilities to other parties for death or bodily injuries, damages to other parties’ properties, accidental or fire damages to your car and theft of your car. Coverage: Losses or damages to your car due to accident, fire and theft Third Party death and bodily injuries Third Party property losses or damages Extended benefits
ACPG panel of insurers Motor Third Party insurance covers your car against third party liabilities such as death, bodily injuries to third party and losses or damages of third party property caused by accidents.
Coverage: Third Party death and bodily injuries Covers Third Party property losses or damages ACPG panel of insurers Motor Third Party Fire and Theft insurance covers your car against liabilities to other parties for death or bodily injuries, damages to other parties’ properties, fire damages to car and theft of your car.
Coverage: Losses or damages to your car due to fire or theft Third Party death and bodily injuries Third Party property losses or damages ACPG also offers extension of additional coverage aside from the usual comprehensive motor insurance to customers.
The coverage includes Windscreen extension, Special Perils, Legal Liability to Passengers (LLP), Legal Liability of Passengers to Third Party (LLOP) and Strike, Riot & Civil Commotion (SRCC).
i. Windscreen extension This extension of insurance covers accidental breakage of windscreen/window glasses and will not affect vehicle NCD in the event of a replacement claim.
ii. Special Perils Damage to vehicle due to flood, windstorm, typhoon, volcanic eruption, earthquake, landslide or subsidence (Classified as Acts of God) will be covered as per sum insured stated in the comprehensive motor insurance policy.
iii. Legal Liability to Passengers (LLP) It provides full coverage for the Insured/named driver in the event of a legal action taken against him/her by the passenger(s) due to any bodily injury that occurred as a result of the driver negligence.
Vehicles that are to be driven into Singapore would be required to have this coverage.
iv. Legal Liability Of Passengers to Third Party (LLOP) Coverage extended to legal liability of passenger(s) in the event of passenger(s) of the insured vehicle caused injury/damage to property of 3rd party.
This extension provides full coverage for bodily injury claims and a limitation of up to RM 3million for property damage claims (subject to individual policy term and condition signed at the point of insurance purchased).
This extension is NOT applicable for commercial vehicle.
v. Strike, Riot & Civil Commotion (SRCC) Damage to your vehicle due to Strike, Riot and Civil Commotion will be covered with this extension as the basic comprehensive motor insurance will not cover such damages to vehicle due to these event(s)?occurrence(s).
vi. Named Drivers It is advisable for Insured to add in either Additional Named Drivers (Private Use) or All Drivers (Company Registration) extension if the insured vehicle would be used by authorized individual(s) other than the Insured.
This extension is NOT applicable for commercial vehicle.
* Extension(s) is/are not included in the basic insurance policy. Kindly contact our cutomer service +603-92863323 for more info on the premium payable.
Nissan Motor Insurance Kuala Lumpur Directory
AIG Nissan Car Panel Motor Insurance Kuala Lumpur Malaysia
AIG Nissan Car Panel Motor Insurance Kuala Lumpur
AIG Nissan Car Panel Motor Insurance Selangor
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Honda Car Panel Motor Insurance Kuala Lumpur Directory
ACPG Management Sdn Bhd
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323
AIG Honda Car Panel Motor Insurance Kuala Lumpur Malaysia
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Online Purchase
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Motor Vehicle Insurance Policy
Arranged By
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Your Trusted Malaysia Motor Vehicle Insurance Services Provider.
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Private Car or Commercial Car Insurance Policy
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Social Security Protection (Socso)
Provider By
SOCIAL SECURITY ORGANISATION (Perkeso)
Shared By
Malaysia Medical Insurance Organization (MMI)
+603-92863323
EMPLOYMENT INJURY SCHEME BENEFITS
(Updated 25 October 2016)
1) MEDICAL BENEFIT [ + ]
Employees suffering from employment injuries or occupational diseases may receive free medical treatment at SOCSO’s panel clinic or Government clinic / hospital. Treatment must be continued until they are fully recovered.
2) TEMPORARY DISABLEMENT BENEFIT [ + ]
Temporary Disablement Benefit is paid for the period the employee is on medical leave certified by a doctor for not less than four (4) days including the day of accident. However, Temporary Disablement Benefit will NOT be paid for the days for which the employee works and earns wages during this period.
3) PERMANENT DISABLEMENT BENEFIT [ + ]
Permanent Disablement is defined as a permanent disability due employment injury that reduces employees’ ability to perform his duites. The employee can claim this benefit after the last day of temporary disablement.
4) CONSTANCE-ATTENDANCE ALLOWANCE [ + ]
This allowance is paid to an employee who is suffering from total permanent disablement and is so severely incapacitated as to constanly require the personal attendance of another person.
5) FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION [ + ]
Rehabilitation facilities may be provided free of charge by the Organisation to an employee who suffers permanent disablement
6) RETURN TO WORK PROGRAMME [ + ]
SOCSO’s Return to Work (RTW) program was introduced on the 15th of January 2007 for Insured Person suffering from employment injury or claiming to be invalid. The Return to Work program involves a proactive approach taken in helping Insured Person with injuries or diseases, opportunities to safe and productive work activities as soon as it is medically possible or when maximum medical improvement is achieved with a primary focus of minimizing the impact of injuries or disabilities.
7) DEPENDANTS' BENEFIT [ + ]
If an employee dies as a result of employment injury, his dependants are eligible to this benefit.
8) FUNERAL BENEFIT [ + ]
Funeral Benefit will be paid to the eligible person as prescribed in the Act, if the employee dies due to any cause. In the absence of such person, the benefit will be paid to the person who actually incurs the expenditure.
9) EDUCATION BENEFIT [ + ]
Education Benefit is a SOCSO benefit that can come in the form of education benefits or scholarships to dependent beneficiaries based on PERKESO’s Benefits Schedule and meets the SOCSO's requirement.
MEDICAL BENEFIT
Employees suffering from employment injuries or occupational diseases may receive free medical treatment at SOCSO’s panel clinic or Government clinic / hospital. Treatment must be continued until they are fully recovered.
For serious injuries, medical care may be obtained from the Government hospital and the employee is eligible for second class ward treatment. Specialist treatment will be provided, if required.
Medical treatment at SOCSO Panel Clinics
To receive free medical treatment, employers must submit the following documents to any SOCSO panel clinics during the first treatment:
Borang Butiran Notis dan Tuntutan Faedah - Form 34
Letter of identity from employer
Letter of identity is prepared by the employer in the instances when Form 34 cannot be completed in time for the employee to receive their first treatment at the SOCSO panel clinics, due to serious or critical injuries. Letter of identity should state:
The patient is an insured person under the employment of the employer
The employee had an accident during the course of work
Form 34 will be presented as soon as possible to the panel clinic.
Reimbursement of Medical Claims
In the case of medical treatments received from non SOCSO’s panel clinics, employees or employers are eligible to make reimbursement of medical claims, subject to such condition as maybe determined by the Organisation.
Claims need to be supported with the following documents:
Claim for medical treatments (Form PKS (P) 24)
Claim for general expenses (Form PKS (P) 26)
Original receipts
A copy of the Appointment Card
A copy of the medical report (if needed)
TEMPORARY DISABLEMENT BENEFIT
Period Of Temporary Disablement
Temporary Disablement Benefit is paid for the period the employee is on medical leave certified by a doctor for not less than four (4) days including the day of accident. However, Temporary Disablement Benefit will NOT be paid for the days in which the employee works and earns wages during this period.
Eligibility
Employee must be an insured person under the Act
Accident that occurs to an employee must arise out of and in the course of employment
A Police report is required if an accident occurs to an employee while commuting for employment purposes
Benefits shall be paid based on the days of medical leave that is certified by a doctor. However temporary disablement benefit will NOT be paid for the days in which the employee work and earn wages during this period.
Rate Of Temporary Disablement Benefit
Payment rate is equivalent to 80% of the assumed average daily wage of the insured person
i. The assumed average daily wage is calculated as one-thirtieth (1/30) of the assumed average monthly wages for the insured person
ii. The assumed average monthly wages is equivalent to the sum of the assumed monthly wages for each of the months for which contributions of the first or second category have been paid or were payable during the continuous period of 6 months immediately preceeding the month in which the employment injury occurred, divided by the number of months for which such contributions were so paid or payable
The daily rate is subject to the following:
i. Minimum of RM30.00 per day (w.e.f. 1 January 2014)
ii. Maximum of RM105.33 per day
Documents To Be Submitted For Claims
'Borang Butiran Notis dan Tuntutan Faedah' - Form 34
Photocopy Of Identity Card (both sides)
Original Medical Certificate / Form 13 (Panel Clinic)
Photocopy Of Punch Card / Attendance Record / Employer’s verification letter in the absence of punch card
Letter Of Consent for obtaining medical report from Hospital.
PERMANENT DISABLEMENT BENEFIT
Permanent Disablement is defined as a permanent disability due to employment injury that reduces employee's ability to perform his duty. The employee can claim this benefit after the last day of temporary disablement.
Determining the Question of Permanent Disablement
Assesment regarding permanent disability of an insured person can only be decided by the following authorities:-
Medical Board
Specialist Medical Board (for Occupational Disease)
Medical Appeal Board (if an Insured Person or SOCSO is not satisfied with the diagnosis made by the medical board
Application to refer to Medical Board
References to the medical board can be made by the following persons:-
Insured Person who have completed their medical leave and is permanently disabled
Employer
Registered Trade Union representative
SOCSO is also allowed to refer insured person to the Medical Board if the medical leave is more than 180 days.
The time limit for any application to refer to the Medical Board is twelve months from the date of:
a. Last date of temporary disability
b. Employment injury if it does not involve any loss of disablement
c. Decision made by the Social Security Appellate Board to accept and allow the temporary disablement claims made subsequent to SOCSO rejecting such claims
References To Appellate Medical Board
Appeals to the Medical Appellate Board must be made within 90 days from the date of assessment by the Medical Board to the insured person.
Assessment And Payment
Claims will be referred to the Medical Board for permanent disability assessment.
1) If the assessment does not exceed 20%
Payment can be made in the form of lump sum.
2) If the assessment exceeds 20%
the employee is given an option to commute 1/5 of daily rate of the benefit into a lump sum payment while the balance will be paid monthly for life.
However, the option of lump sum payment is subjected to the aggregate loss of earning capacity as a replacement to any lump sum payment not exceeding 20%, if claims were previously made by the insured person
Rate Of Payment
1) Daily rate for Permanent Disablement Benefit is based on 90% of assumed average daily wage of the insured person
The assumed average daily wage is calculated as one-thirtieth (1/30) of the assumedaverage monthly wages for the insured person
The assumed average monthly wage is equivalent to the sum of the assumed monthly wages for each of the months for which contributions of the first or second category have been paid or were payable during the continuous period of 6 months immediately preceeding the month in which the employment injury occurred, divided by the number of months for which such contributions were so paid or payable
2) Daily rate of Permanent Disablement Benefit is subject to:
Minimum of RM30.00 per day (w.e.f. 1January 2014)
Maximum RM118.50 per day
How To Claim
Application for permanent disablement benefit must be made in writing through SOCSO office with the following document:
Application letter
Photocopy Of Identification Card
Latest Medical Report
CONSTANT-ATTENDANCE ALLOWANCE
This allowance is paid to an employee who is suffering from total permanent disablement and is so severely incapacitated as to constanly require the personal attendance of another person.
Eligibility
An insured person who is 100% permanently disabled and certified by Medical Board or Special Medical Board or the Appellate Medical Board is eligible for this allowance.
Rate Of Payment
The allowance is equivalent to 40% of the rate of permanent total disablement benefit subject to maximum of RM500 per month (Effective on 1st January 2013, the rate of this allowance is fixed at RM500 per month).
FACILITIES FOR PHYSICAL OR VOCATIONAL REHABILITATION
Rehabilitation facilities may be provided free of charge by the Organisation to an employee who suffers permanent disablement. Amongst the facilities provided are :
1. Physical rehabilitation includes:
Return To Work programme
Occupational therapy
Reconstructive surgery
Artificial limbs and prosthetics
Orthopaedic aids such as wheel chairs, walking stick, hearing aids
Return To Work Programme
Physiotherapy
2. Vocational rehabilitation includes:
Training in selected areas such as electrical wiring, sewing, radio / TV repair, air conditioner and fridge repair, plumbing, stenography , secretarial skills and others.
Return To Work programme
RETURN TO WORK PROGRAMME (RTW)
INTRODUCTION
SOCSO’s Return to Work (RTW) program was introduced on the 15th of January 2007 for Insured Person suffering from employment injury or claiming to be invalid. The Return to Work program involves a proactive approach taken in helping Insured Person with injuries or diseases, opportunities to safe and productive work activities as soon as it is medically possible or when maximum medical improvement is achieved with a primary focus of minimizing the impact of injuries or disabilities.
Return to Work program is a collaborative process that facilitates recommended efficient treatment plans to assure that appropriate medical care is provided to Insured Person with injuries or diseases to ensure an early and safe return to work. The program requires careful planning and coordination with appropriate health care service providers to achieve the rehabilitation goal where the processes involved are facilitated by a case manager who manages the implementation and coordination of the rehabilitation plan with healthcare providers, as well as the clients while promoting cost-effective care.
The implementation of an effective disability management system relies on the partnership involving various stakeholders such as the employers, employees, health care providers, rehabilitation service providers, government agencies, non-government organizations, and various bodies to achieve an effective.
RETURN TO WORK OBJECTIVE
To assist Insured Person with injuries or disease to return to work in a safe and fast manner
To carry out SOCSO’s social responsibility towards employers and employees
To create a positive working environment through communication and support for employees with disabilities
To reduce and minimize the potential of repetitive accidents at the workplace
To reduce disability duration
To increase the productivity of employees with disabilities through total replacement of income
BENEFITS TO EMPLOYER
To reduce the disability duration of Insured Person with injuries or diseases and enable a safe and fast return to work and increasing productivity thereafter
To be able to retain experienced and highly skilled workers at the work place
To reduce training and hiring costs of temporary workers
To optimize the employees’ rehabilitation period so they can return to work faster and increase their productivity
To provide work modification recommendations to accommodate employees with injuries or diseases
BENEFITS TO EMPLOYEES
To provide psychological support through counselling and consultation• To restore employee’s self-confidence by enhancing their physical and mental ability and to prevent low self-esteem caused by the illness or disability
To provide appropriate rehabilitative equipment’s including orthotic, prosthetic, implants and so forth, based on the prescription given by the treating doctors or specialists
Promotes speedy recovery and reduces the impact on the quality of life due to the disability or illness
REFERRAL PROCESS
The first step of the disability management process starts with the referral processes whereby cases will be referred from various sources including SOCSO’s Medical Board / Appealate Board and the Special Appealate Medical Board, doctors and employers following which these cases will be screened by the case managers if the following criterias are met:
Insured Person with employment injury and is receiving temporary disablement benefits
Insured Personwho has applied for permanent disablement benefits and has been referred for the Return to Work
Program by the medical board
Insured Person aged below 50 and has been certified not invalid and has been referred for the Return to Work
Program by the medical board
Insured Person aged below 40 who has been certified invalid but is still interested to return to work
DEPENDANTS' BENEFIT
If an employee dies as a result of employment injury, his dependants are eligible to this benefit.
Eligibility
Employees must be an insured person under the Act
Death that occurs to an employee must arise out of and in the course of employment
Dependants as prescribed under the Act as stated below:-
Widow Or Widower, child;
If there are no widow or widower, child
a. Brothers or sisters
b. Parents
c. Grand Parents (in the case of the insured person's parents are deceased)
Note :
Child in this context refers to a child who is aged less than 21 years of age at the time of death of the insured person (exception for a child who is mentally retarted or physically incapacitated and is incapable of supporting himself), inclusive of:
Biological child
Step child under the care of the Insured Person
Legally adopted child of the Insured Person
Biological child out of wedlock
Brothers or sisters are defined as biological brothers or sisters aged less than 21 years of age at the time of death of the insured person.
Rate Of Payment
Daily rate for Dependants Benefit is based on 90% of assumed average daily wage of the insured person
The assumed average daily wage is calculated as one-thirtieth (1/30) of the assumed average monthly wages for the insured person
The assumed average monthly wage is equivalent to the sum of the assumed monthly wages for each of the months for which contributions of the first or second category have been paid or were payable during the continuous period of 6 months immediately preceeding the month in which the death occurred, divided by the number of months for which such contributions were so paid or payable
Daily rate of Dependants Benefit is subject to :-
a ) Minimum of RM30.00 per day (w.e.f. 1 January 2014)
b ) Maximum of RM118.50 per day (w.e.f 1 June 2016)
Dependants And Daily Rate
The daily rates for dependants’ benefit is based on the following priorities:-
Please refer as below
http://www.perkeso.gov.my/en/dependant-s-benefit.html
Documents To Be Submitted For Claims
Applicants or parties claiming on behalf of the dependant must produce the following documents:
Borang Butiran Notis dan Tuntutan Faedah - Borang 34
Insured Person’s Death Certificate
A copy of the Insured Person’s Identification Card
Others document :
a. In the case of widow, widower or child, applicants or representatives claiming on behalf of the dependant must produce the following documents :
Marriage Registration or Solemnising Certificate (Sijil Nikah)
A copy of the widow or widower’s Identification Card
A copy of the child’s birth certificate for those below the age of 21
A copy of the applicants or parties claiming on behalf of the dependant’s bank account passbook
In the case of parents, sibling or grand parents, applicants or representatives claiming on behalf of the dependant must produce the following documents:
A copy of the Insured Person’s birth certificate
A copy of the parent’s Identification Card
A copy of the sibling’s birth certificate for those below the age of 21
A copy of the applicants or representatives claiming on behalf of the dependant’s bank account passbook
FUNERAL BENEFIT
Funeral Benefit will be paid to the eligible person as prescribed in the Act, if the employee dies as a result of employment injury or while he/she is in receipt of disablement benefit. In the absence of such person, the benefit will be paid to the person who actually incurs the expenditure. The amount paid will be the actual amount incurred or RM1,500 whichever is lower.
Funeral Benefit will be paid out to the following, based on priority:
i. widow (if there are more than one widow, the benefitt will be equally shared amongst the widows)
ii. widower
iii. eldest son
iv. eldest daughter
v. parents ( if both parents are still alive, the benefit will be equally shared )
In the case that there are no one eligible based on the above criteria, the benefit will be extended to the party that incurred the funeral arrangement of the Insured Person. However, the amount will be limited to RM1,500.00 and based on actual cost incurred, and supported with receipts as proof.
Documents To Be Submitted For Claims
Claimant must submit the following documents:
Borang Butiran Notis dan Notis Tuntutan Faedah - Borang 34
A copy of the funeral permit / Death Certificate
A copy of the Insured Person’s Identification Card
A copy of the claimant’s Identification Card
EDUCATION BENEFIT
Education Benefit is a SOCSO benefit that can come in the form of education benefits or scholarships to dependent beneficiaries based on PERKESO’s Benefits Schedule and meets the following requirement to qualify:
A. APPLICANT REQUIREMENTS TO QUALIFY [ + ]
B. EDUCATION BENEFIT FUNDING DETAILS [ + ]
C. HOW TO APPLY EDUCATION LOAN [ + ]
D. EDUCATION LOAN ALLOCATION [ + ]
E. EDUCATION BENEFIT AGREEMENT DOCUMENTS [ + ]
F. LOAN DISBURSEMENT METHODS [ + ]
G. EDUCATION LOAN REPAYMENT INSTALLMENT [ + ]
H. CHANNELS TO PAY THE EDUCATION BENEFIT [ + ]
Service Charge SOCSO Education Loan
Effective 1st January 2013, service charge education loan for all borrowers who received education loan offered before 1st January 2009 has been reduced from 4% to 2%.
Meanwhile, for new borrowers who received education loan offered after 1st January 2009, services charged still remain at 2%.
For more information, please logo on link as below
The official Website of
SOCIAL SECURITY ORGANISATION
"Sikap Terbuka Layanan Mesra"
Customer Service : 1-300-22-8000
General Line : 03 - 4264 5000
Fax : 03 - 4256 7798
E-mail : perkeso@perkeso.gov.my
Shared By Malaysia Medical Insurance Organization (MMI)
Ad Sharing
Your Trusted Malaysia Medical Insurance Risk Management Advisory Provider.
Malaysia Medical Insurance Organization (MMI)
Head Office,
158-3-7, BLOK 158, KOMPLEKS MALURI,
JALAN JEJAKA, TAMAN MALURI,CHERAS,
55100 KUALA LUMPUR, MALAYSIA.
MMI careline +603-92863323
mmicare@medicalinsurance.com.my
Group Hospitalisation And Surgical Fees & Group Employees Medical Insurance Policy
Arranged by
Malaysia Medical Insurance Organization (MMI)
mmicare@medicalinsurance.com.my
+603-92863323
Group Hospitalisation And Surgical Fees & Group Employees Medical Insurance
Group Hospital & Surgical Insurance
- No Co Insurance
- Guarantee Renewal up to Age 100
- High Lifetime Limit up to RM 10,000,000
- 24 Hours Worldwide Coverage
- Hassle Free Cash Less Hospital Admission
- High Coverage As Charged or Full Reimbursement
- Hospital Supplies & Services
- Physician Fees & Specialist Visit Fees
- Surgical Fees / Anaesthetist Fees
- Operating Theatre
- Intensive Care Unit (ICU)
- Pre-Hospital Diagnostic Tests
- Pre-Hospital Specialist Consultation
- Post Hospitalisation Treatment
- Ambulance Fees
- Prescription Drugs
- Out Patient Accidental Treatment & Pysiotheropy Treatment
- Nursing, Theatre Consumables & Other Ancillary Charges
- Insured Child’s Daily Guardian Benefits
- Out Patient Kidney Dialysis Treatment
- Out Patient Cancer Treatment
- Home Nursing Care
- Take Over Policy for Waiver of Waiting Period, Pre-Existing Illness & Specified Illness
- International Emergency Medical Assistance Services
- Comprehensive Coverage & Complete Medical Care Benefits
- Inpatient & Day Surgery
AIG Motor Insurance Cheras, Kuala Lumpur, Malaysia.
AIG Commercial Car Insurance Renewal,
AIG Private Car Insurance Renewal,
AIG Commercial Use Motor Insurance Renewal,
AIG Private Use Motor Insurance Renewal,
Arranged by
ACPG Management Sdn Bhd
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323
enquiry@acpgconsultant.com
www.facebook.com/acpg.management
https://www.aig.my/personal/auto-insurance
AIG Motor Insurance
AIG Car Insurance Policy
Exclusive Arranged by
ACPG Management Sdn Bhd
+603-92863323
enquiry@acpgconsultant.com
Motor Insurance / Car Insurance
(Private Use & Commercial Use)
Guaranteed Original Part Replacement*
(Up to Age 15 Years Car*)
Motor Insurance & Car Insurance Benefits
- Accident
- Falling Objects
- Fire, Explosion or Lightning
- Burglary, Break-In or Theft
- Malicious Act
- Third Party Accident
- Third Party Injury or Death
- Third Party Loss or Damage Property
Value Added Emergency Assistance
- 24 Hours Towing Assistance
- 24 Hours Roadside Assistance
Optional Benefits
Windscreen
Covers the breakage of glass in windscreens, front, rear and side windows. The damaged windscreen will be replaced and your NCD
(No-Claim-Discount) will not be affected.
Flood, Storm, Landslide, Landslip or Subsidence Cover and Damage by falling Tree.
Covers the vehicle against damage caused by the above perils.
Strike, Riot & Civil Commotion (RSMD)
Covers the vehicle against damaged caused by strike, riot and civil commotion.
Additional Driver Name (3rd name & above)
This extra coverage waives the RM 400.00 Excess.
or All Driver Coverage for Private Use vehicle registered under company/organisation)
Legal Liability of Passengers - Private use Vehicle
- Cover the legal liability of passengers for acts of negligence.
Legal Liability to Passengers - Private Use Vehicle
- Cover protects the Insured against legal liability to the passenger in event of a claim.
Driver's Personal Accident Insurance
Daily Cash Allowance
You will be covered for first 10 days while your car in the workshop.
Spray Painting of Whole Car
You will have a choice to spray paint the whole car even thought the own damage repair only allow for the spray painting of the damaged part
of the car.
Waiver of Betterment Cost (Own Damage Accident Claim)
Your contribution towards the cost of new parts replacement will be borne by insurer.
Malaysia Insurance Services, Malaysia General Insurance, Malaysia Commercial Insurance, Malaysia Medical Insurance
Arranged by
ACPG Management Sdn Bhd
Malaysia Largest General Insurance Risk Management Solution Provider since year 1989.
ACPG Careline +603-92863323
enquiry@acpgconsultant.com
www.facebook.com/acpg.management
www.walkinonline.com/store/ACPG.php
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Special Type Commercial AIG Motor Insurance Cheras Kuala Lumpur
AIG Motor Insurance Cheras Location
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Shopping Mall Public Liability Insurance Kuala Lumpur Malaysia
Public Liability Insurance
Arranged By
ACPG Management Sdn Bhd
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323
Public Liability insurance is considered essential in businesses which involve regular interactions between the members of the public and the company such as retail businesses, restaurants, clinics, contractors, renovators, installers and many more.
The Public Liability insurance covers your legal liability to a third (3rd) party as a result of an accident happening in connection with your business operations.
The insurance indemnifies you against all sums which you become legally liable for damages and claimant’s costs and expenses in respect of:
Bodily injuries including illnesses to any person.
Losses or damages to property.
Legal expenses incurred in your legal proceeding defence.
Public Liability insurance protects our policyholders against legal liabilities arising in connection with their business operations.
Coverage may include products, completed operations, premises and operations, personal injury and contractual liability.
These are some of the types of coverage requested:
Premises and operations coverage for bodily injury or property damage incurred on their premises and/or as a result of their business operations
Product liability coverage for bodily injury or property damage incurred through the use of the product manufactured, distributed or sold
Completed operations coverage for bodily injury or property damage incurred because of a defect in a completed project.
Public Liability Insurance for
Construction Contractors and Sub Contractors.
Renovation Contractors and Sub Contractors.
Installation Contractors and Sub Contractors.
Signboard Owner, Contractors and Sub Contractors.
Manufacturing and Factory Owners
Office Owners and Tenants
Shop, Retail Outlets Owners and Tenants.
Shopping Mall Owners, Tenants and JMB, MC, PMC, property management company and management office.
Shopping Mall Public Liability Insurance Listing
AEON Mahkota Cheras Shopping Mall Public Liability Insurance
AEON Alpha Angle Shopping Mall Public Liability Insurance
AEON Maluri Shopping Mall Public Liability Insurance
Alamanda Putrajaya Shopping Mall Public Liability Insurance
Amcorp Mall Shopping Mall Public Liability Insurance
Ampang Park Shopping Mall Public Liability Insurance
Ampang Plaza Shopping Mall Public Liability Insurance
Ampang Point Shopping Mall Public Liability Insurance
Atria Shopping Mall Public Liability Insurance
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Berjaya Times Square Shopping Mall Public Liability Insurance
Bukit Raja Shopping Mall Public Liability Insurance
Brem Mall Shopping Mall Public Liability Insurance
Campbell Complex Shopping Mall Public Liability Insurance
Capsquare Shopping Mall Public Liability Insurance
Carrefour Kepong Shopping Mall Public Liability Insurance
Carrefour Jalan Peel Shopping Mall Public Liability Insurance
Carrefour Wangsa Maju Shopping Mall Public Liability Insurance
Cheras Leisure Mall Shopping Mall Public Liability Insurance
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Commercial Motor Insurance Kuala Lumpur Directory
Services Provided By
ACPG Management Sd Bhd
+603-92863323, +6011-12239838.
enquiry@acpgconsultant.com
https://www.facebook.com/acpg.management/
Commercial Motor Insurance Kuala Lumpur Malaysia.
A Permit Commercial Van Motor Insurance
C Permit Commercial Van Motor Insurance
A Permit Commercial Lorry Motor Insurance
C Permit Commercial Lorry Motor Insurance
Commercial Car Insurance Kuala Lumpur Malaysia.
A Permit Commercial Van Car Insurance
C Permit Commercial Van Car Insurance
A Permit Commercial Lorry Car Insurance
C Permit Commercial Lorry Car Insurance
Protect against loss or damage to your own vehicle as well as third party’s bodily injury or property damage.
Introduction
Motor Insurance is a contract purchased by the owner of a vehicle from an authorised insurer to protect the policyholder (owner of the vehicle) against loss or damage to his vehicle and or against loss or damage which the policyholder might cause to another person's vehicle or property and or death or bodily injury to a third party.
Commercial Vehicle - Goods Carrying Vehicle
(A Permit and C Permit)
Use in connection with the Policyholder's business.
Use for the carriage of passengers (other than for hire or reward) in connection with the Policyholder's business.
Use for social domestic and pleasure purposes.
Does not cover:
Use for hire or reward.
Use for racing pace-making reliability trial or speed testing.
Use whilst drawing a trailer except the towing of any one disabled mechanically propelled vehicle.
Comprehensive
The cover offers protection against financial loss because it covers fire, theft and accidental damage to the Insured's vehicle in addition to the protection against the legal liabilities to third party for death and bodily injury and damage to property that may arise through the negligence of the driver.
Third Party
The cover offers protection against financial loss as a result of damage the driver of the vehicle may cause to the property of a third party. It also provides protection against any claims that may arise because of the death of or injury to another person through the negligence of the driver.
ACPG Management Sd Bhd
158-3-7, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.
+603-92863323, +6011-12239838.
enquiry@acpgconsultant.com
https://www.facebook.com/acpg.management/
AIG Commercial Van A Permit Motor Insurance Kuala Lumpur Malaysia
AIG Commercial Van A Permit Motor Insurance Kuala Lumpur
AIG Commercial Van A Permit Motor Insurance Selangor
AIG Commercial Van A Permit Motor Insurance Cheras
AIG Commercial Van A Permit Motor Insurance Ampang
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MSIG Commercial Van A Permit Motor Insurance Kuala Lumpur Malaysia
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Kurnia Commercial Van A Permit Motor Insurance Kuala Lumpur Malaysia
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Tokio Marine Commercial Van A Permit Motor Insurance Kuala Lumpur Malaysia
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Tokio Marine Commercial Van A Permit Motor Insurance Kampung Pandan
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Tokio Marine Commercial Van A Permit Motor Insurance Pandan Perdana
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AXA Commercial Van C Permit Motor Insurance Kuala Lumpur Malaysia
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AXA Commercial Van C Permit Motor Insurance Taman Billion
AXA Commercial Van C Permit Motor Insurance Taman Mewah
AXA Commercial Van C Permit Motor Insurance Balakong
AXA Commercial Van C Permit Motor Insurance Bangsar
AXA Commercial Van C Permit Motor Insurance Pantai Dalam
AXA Commercial Van C Permit Motor Insurance Jalan Kelang Lama
AXA Commercial Van C Permit Motor Insurance Kuchai Lama
AXA Commercial Van C Permit Motor Insurance Sungai Besi
AXA Commercial Van C Permit Motor Insurance Puchong
AXA Commercial Van C Permit Motor Insurance Shah Alam
AXA Commercial Van C Permit Motor Insurance PJ
AXA Commercial Van C Permit Motor Insurance Petaling Jaya
AXA Commercial Van C Permit Motor Insurance Seri Petaling
AXA Commercial Van C Permit Motor Insurance Desa Petaling
AXA Commercial Van C Permit Motor Insurance Subang
AXA Commercial Van C Permit Motor Insurance USJ
AXA Commercial Van C Permit Motor Insurance Damansara
AXA Commercial Van C Permit Motor Insurance Kota Damansara
AXA Commercial Van C Permit Motor Insurance Kepong
AXA Commercial Van C Permit Motor Insurance Sungai Buluh
AXA Commercial Van C Permit Motor Insurance Rawang
AXA Commercial Van C Permit Motor Insurance Jalan Ipoh
AXA Commercial Van C Permit Motor Insurance Selayang
AXA Commercial Van C Permit Motor Insurance Gombak
AXA Commercial Van C Permit Motor Insurance Wangsa Maju
AXA Commercial Van C Permit Motor Insurance Setapak
AXA Commercial Van C Permit Motor Insurance Kajang
AXA Commercial Van C Permit Motor Insurance Sungai Long
AXA Commercial Van C Permit Motor Insurance Mahkota Cheras
AXA Commercial Van C Permit Motor Insurance Seri Kembangan
AXA Commercial Van C Permit Motor Insurance Kajang
AXA Commercial Van C Permit Motor Insurance KL
Allianz Commercial Van C Permit Motor Insurance Kuala Lumpur Malaysia
Allianz Commercial Van C Permit Motor Insurance Kuala Lumpur
Allianz Commercial Van C Permit Motor Insurance Selangor
Allianz Commercial Van C Permit Motor Insurance Cheras
Allianz Commercial Van C Permit Motor Insurance Ampang
Allianz Commercial Van C Permit Motor Insurance Kampung Pandan
Allianz Commercial Van C Permit Motor Insurance Pandan Jaya
Allianz Commercial Van C Permit Motor Insurance Pandan Perdana
Allianz Commercial Van C Permit Motor Insurance Pandan Indah
Allianz Commercial Van C Permit Motor Insurance Taman Cheras
Allianz Commercial Van C Permit Motor Insurance Taman Pertama Cheras
Allianz Commercial Van C Permit Motor Insurance Taman Segar Cheras
Allianz Commercial Van C Permit Motor Insurance Taman Midah
Allianz Commercial Van C Permit Motor Insurance Bandar Tun Razak
Allianz Commercial Van C Permit Motor Insurance Taman Billion
Allianz Commercial Van C Permit Motor Insurance Taman Mewah
Allianz Commercial Van C Permit Motor Insurance Balakong
Allianz Commercial Van C Permit Motor Insurance Bangsar
Allianz Commercial Van C Permit Motor Insurance Pantai Dalam
Allianz Commercial Van C Permit Motor Insurance Jalan Kelang Lama
Allianz Commercial Van C Permit Motor Insurance Kuchai Lama
Allianz Commercial Van C Permit Motor Insurance Sungai Besi
Allianz Commercial Van C Permit Motor Insurance Puchong
Allianz Commercial Van C Permit Motor Insurance Shah Alam
Allianz Commercial Van C Permit Motor Insurance PJ
Allianz Commercial Van C Permit Motor Insurance Petaling Jaya
Allianz Commercial Van C Permit Motor Insurance Seri Petaling
Allianz Commercial Van C Permit Motor Insurance Desa Petaling
Allianz Commercial Van C Permit Motor Insurance Subang
Allianz Commercial Van C Permit Motor Insurance USJ
Allianz Commercial Van C Permit Motor Insurance Damansara
Allianz Commercial Van C Permit Motor Insurance Kota Damansara
Allianz Commercial Van C Permit Motor Insurance Kepong
Allianz Commercial Van C Permit Motor Insurance Sungai Buluh
Allianz Commercial Van C Permit Motor Insurance Rawang
Allianz Commercial Van C Permit Motor Insurance Jalan Ipoh
Allianz Commercial Van C Permit Motor Insurance Selayang
Allianz Commercial Van C Permit Motor Insurance Gombak
Allianz Commercial Van C Permit Motor Insurance Wangsa Maju
Allianz Commercial Van C Permit Motor Insurance Setapak
Allianz Commercial Van C Permit Motor Insurance Kajang
Allianz Commercial Van C Permit Motor Insurance Sungai Long
Allianz Commercial Van C Permit Motor Insurance Mahkota Cheras
Allianz Commercial Van C Permit Motor Insurance Seri Kembangan
Allianz Commercial Van C Permit Motor Insurance Kajang
Allianz Commercial Van C Permit Motor Insurance KL
MSIG Commercial Van C Permit Motor Insurance Kuala Lumpur Malaysia
MSIG Commercial Van C Permit Motor Insurance Kuala Lumpur
MSIG Commercial Van C Permit Motor Insurance Selangor
MSIG Commercial Van C Permit Motor Insurance Cheras
MSIG Commercial Van C Permit Motor Insurance Ampang
MSIG Commercial Van C Permit Motor Insurance Kampung Pandan
MSIG Commercial Van C Permit Motor Insurance Pandan Jaya
MSIG Commercial Van C Permit Motor Insurance Pandan Perdana
MSIG Commercial Van C Permit Motor Insurance Pandan Indah
MSIG Commercial Van C Permit Motor Insurance Taman Cheras
MSIG Commercial Van C Permit Motor Insurance Taman Pertama Cheras
MSIG Commercial Van C Permit Motor Insurance Taman Segar Cheras
MSIG Commercial Van C Permit Motor Insurance Taman Midah
MSIG Commercial Van C Permit Motor Insurance Bandar Tun Razak
MSIG Commercial Van C Permit Motor Insurance Taman Billion
MSIG Commercial Van C Permit Motor Insurance Taman Mewah
MSIG Commercial Van C Permit Motor Insurance Balakong
MSIG Commercial Van C Permit Motor Insurance Bangsar
MSIG Commercial Van C Permit Motor Insurance Pantai Dalam
MSIG Commercial Van C Permit Motor Insurance Jalan Kelang Lama
MSIG Commercial Van C Permit Motor Insurance Kuchai Lama
MSIG Commercial Van C Permit Motor Insurance Sungai Besi
MSIG Commercial Van C Permit Motor Insurance Puchong
MSIG Commercial Van C Permit Motor Insurance Shah Alam
MSIG Commercial Van C Permit Motor Insurance PJ
MSIG Commercial Van C Permit Motor Insurance Petaling Jaya
MSIG Commercial Van C Permit Motor Insurance Seri Petaling
MSIG Commercial Van C Permit Motor Insurance Desa Petaling
MSIG Commercial Van C Permit Motor Insurance Subang
MSIG Commercial Van C Permit Motor Insurance USJ
MSIG Commercial Van C Permit Motor Insurance Damansara
MSIG Commercial Van C Permit Motor Insurance Kota Damansara
MSIG Commercial Van C Permit Motor Insurance Kepong
MSIG Commercial Van C Permit Motor Insurance Sungai Buluh
MSIG Commercial Van C Permit Motor Insurance Rawang
MSIG Commercial Van C Permit Motor Insurance Jalan Ipoh
MSIG Commercial Van C Permit Motor Insurance Selayang
MSIG Commercial Van C Permit Motor Insurance Gombak
MSIG Commercial Van C Permit Motor Insurance Wangsa Maju
MSIG Commercial Van C Permit Motor Insurance Setapak
MSIG Commercial Van C Permit Motor Insurance Kajang
MSIG Commercial Van C Permit Motor Insurance Sungai Long
MSIG Commercial Van C Permit Motor Insurance Mahkota Cheras
MSIG Commercial Van C Permit Motor Insurance Seri Kembangan
MSIG Commercial Van C Permit Motor Insurance Kajang
MSIG Commercial Van C Permit Motor Insurance KL
Lonpac Commercial Van C Permit Motor Insurance Kuala Lumpur Malaysia
Lonpac Commercial Van C Permit Motor Insurance Kuala Lumpur
Lonpac Commercial Van C Permit Motor Insurance Selangor
Lonpac Commercial Van C Permit Motor Insurance Cheras
Lonpac Commercial Van C Permit Motor Insurance Ampang
Lonpac Commercial Van C Permit Motor Insurance Kampung Pandan
Lonpac Commercial Van C Permit Motor Insurance Pandan Jaya
Lonpac Commercial Van C Permit Motor Insurance Pandan Perdana
Lonpac Commercial Van C Permit Motor Insurance Pandan Indah
Lonpac Commercial Van C Permit Motor Insurance Taman Cheras
Lonpac Commercial Van C Permit Motor Insurance Taman Pertama Cheras
Lonpac Commercial Van C Permit Motor Insurance Taman Segar Cheras
Lonpac Commercial Van C Permit Motor Insurance Taman Midah
Lonpac Commercial Van C Permit Motor Insurance Bandar Tun Razak
Lonpac Commercial Van C Permit Motor Insurance Taman Billion
Lonpac Commercial Van C Permit Motor Insurance Taman Mewah
Lonpac Commercial Van C Permit Motor Insurance Balakong
Lonpac Commercial Van C Permit Motor Insurance Bangsar
Lonpac Commercial Van C Permit Motor Insurance Pantai Dalam
Lonpac Commercial Van C Permit Motor Insurance Jalan Kelang Lama
Lonpac Commercial Van C Permit Motor Insurance Kuchai Lama
Lonpac Commercial Van C Permit Motor Insurance Sungai Besi
Lonpac Commercial Van C Permit Motor Insurance Puchong
Lonpac Commercial Van C Permit Motor Insurance Shah Alam
Lonpac Commercial Van C Permit Motor Insurance PJ
Lonpac Commercial Van C Permit Motor Insurance Petaling Jaya
Lonpac Commercial Van C Permit Motor Insurance Seri Petaling
Lonpac Commercial Van C Permit Motor Insurance Desa Petaling
Lonpac Commercial Van C Permit Motor Insurance Subang
Lonpac Commercial Van C Permit Motor Insurance USJ
Lonpac Commercial Van C Permit Motor Insurance Damansara
Lonpac Commercial Van C Permit Motor Insurance Kota Damansara
Lonpac Commercial Van C Permit Motor Insurance Kepong
Lonpac Commercial Van C Permit Motor Insurance Sungai Buluh
Lonpac Commercial Van C Permit Motor Insurance Rawang
Lonpac Commercial Van C Permit Motor Insurance Jalan Ipoh
Lonpac Commercial Van C Permit Motor Insurance Selayang
Lonpac Commercial Van C Permit Motor Insurance Gombak
Lonpac Commercial Van C Permit Motor Insurance Wangsa Maju
Lonpac Commercial Van C Permit Motor Insurance Setapak
Lonpac Commercial Van C Permit Motor Insurance Kajang
Lonpac Commercial Van C Permit Motor Insurance Sungai Long
Lonpac Commercial Van C Permit Motor Insurance Mahkota Cheras
Lonpac Commercial Van C Permit Motor Insurance Seri Kembangan
Lonpac Commercial Van C Permit Motor Insurance Kajang
Lonpac Commercial Van C Permit Motor Insurance KL
Kurnia Commercial Van C Permit Motor Insurance Kuala Lumpur Malaysia
Kurnia Commercial Van C Permit Motor Insurance Kuala Lumpur
Kurnia Commercial Van C Permit Motor Insurance Selangor
Kurnia Commercial Van C Permit Motor Insurance Cheras
Kurnia Commercial Van C Permit Motor Insurance Ampang
Kurnia Commercial Van C Permit Motor Insurance Kampung Pandan
Kurnia Commercial Van C Permit Motor Insurance Pandan Jaya
Kurnia Commercial Van C Permit Motor Insurance Pandan Perdana
Kurnia Commercial Van C Permit Motor Insurance Pandan Indah
Kurnia Commercial Van C Permit Motor Insurance Taman Cheras
Kurnia Commercial Van C Permit Motor Insurance Taman Pertama Cheras
Kurnia Commercial Van C Permit Motor Insurance Taman Segar Cheras
Kurnia Commercial Van C Permit Motor Insurance Taman Midah
Kurnia Commercial Van C Permit Motor Insurance Bandar Tun Razak
Kurnia Commercial Van C Permit Motor Insurance Taman Billion
Kurnia Commercial Van C Permit Motor Insurance Taman Mewah
Kurnia Commercial Van C Permit Motor Insurance Balakong
Kurnia Commercial Van C Permit Motor Insurance Bangsar
Kurnia Commercial Van C Permit Motor Insurance Pantai Dalam
Kurnia Commercial Van C Permit Motor Insurance Jalan Kelang Lama
Kurnia Commercial Van C Permit Motor Insurance Kuchai Lama
Kurnia Commercial Van C Permit Motor Insurance Sungai Besi
Kurnia Commercial Van C Permit Motor Insurance Puchong
Kurnia Commercial Van C Permit Motor Insurance Shah Alam
Kurnia Commercial Van C Permit Motor Insurance PJ
Kurnia Commercial Van C Permit Motor Insurance Petaling Jaya
Kurnia Commercial Van C Permit Motor Insurance Seri Petaling
Kurnia Commercial Van C Permit Motor Insurance Desa Petaling
Kurnia Commercial Van C Permit Motor Insurance Subang
Kurnia Commercial Van C Permit Motor Insurance USJ
Kurnia Commercial Van C Permit Motor Insurance Damansara
Kurnia Commercial Van C Permit Motor Insurance Kota Damansara
Kurnia Commercial Van C Permit Motor Insurance Kepong
Kurnia Commercial Van C Permit Motor Insurance Sungai Buluh
Kurnia Commercial Van C Permit Motor Insurance Rawang
Kurnia Commercial Van C Permit Motor Insurance Jalan Ipoh
Kurnia Commercial Van C Permit Motor Insurance Selayang
Kurnia Commercial Van C Permit Motor Insurance Gombak
Kurnia Commercial Van C Permit Motor Insurance Wangsa Maju
Kurnia Commercial Van C Permit Motor Insurance Setapak
Kurnia Commercial Van C Permit Motor Insurance Kajang
Kurnia Commercial Van C Permit Motor Insurance Sungai Long
Kurnia Commercial Van C Permit Motor Insurance Mahkota Cheras
Kurnia Commercial Van C Permit Motor Insurance Seri Kembangan
Kurnia Commercial Van C Permit Motor Insurance Kajang
Kurnia Commercial Van C Permit Motor Insurance KL
Tokio Marine Commercial Van C Permit Motor Insurance Kuala Lumpur Malaysia
Tokio Marine Commercial Van C Permit Motor Insurance Kuala Lumpur
Tokio Marine Commercial Van C Permit Motor Insurance Selangor
Tokio Marine Commercial Van C Permit Motor Insurance Cheras
Tokio Marine Commercial Van C Permit Motor Insurance Ampang
Tokio Marine Commercial Van C Permit Motor Insurance Kampung Pandan
Tokio Marine Commercial Van C Permit Motor Insurance Pandan Jaya
Tokio Marine Commercial Van C Permit Motor Insurance Pandan Perdana
Tokio Marine Commercial Van C Permit Motor Insurance Pandan Indah
Tokio Marine Commercial Van C Permit Motor Insurance Taman Cheras
Tokio Marine Commercial Van C Permit Motor Insurance Taman Pertama Cheras
Tokio Marine Commercial Van C Permit Motor Insurance Taman Segar Cheras
Tokio Marine Commercial Van C Permit Motor Insurance Taman Midah
Tokio Marine Commercial Van C Permit Motor Insurance Bandar Tun Razak
Tokio Marine Commercial Van C Permit Motor Insurance Taman Billion
Tokio Marine Commercial Van C Permit Motor Insurance Taman Mewah
Tokio Marine Commercial Van C Permit Motor Insurance Balakong
Tokio Marine Commercial Van C Permit Motor Insurance Bangsar
Tokio Marine Commercial Van C Permit Motor Insurance Pantai Dalam
Tokio Marine Commercial Van C Permit Motor Insurance Jalan Kelang Lama
Tokio Marine Commercial Van C Permit Motor Insurance Kuchai Lama
Tokio Marine Commercial Van C Permit Motor Insurance Sungai Besi
Tokio Marine Commercial Van C Permit Motor Insurance Puchong
Tokio Marine Commercial Van C Permit Motor Insurance Shah Alam
Tokio Marine Commercial Van C Permit Motor Insurance PJ
Tokio Marine Commercial Van C Permit Motor Insurance Petaling Jaya
Tokio Marine Commercial Van C Permit Motor Insurance Seri Petaling
Tokio Marine Commercial Van C Permit Motor Insurance Desa Petaling
Tokio Marine Commercial Van C Permit Motor Insurance Subang
Tokio Marine Commercial Van C Permit Motor Insurance USJ
Tokio Marine Commercial Van C Permit Motor Insurance Damansara
Tokio Marine Commercial Van C Permit Motor Insurance Kota Damansara
Tokio Marine Commercial Van C Permit Motor Insurance Kepong
Tokio Marine Commercial Van C Permit Motor Insurance Sungai Buluh
Tokio Marine Commercial Van C Permit Motor Insurance Rawang
Tokio Marine Commercial Van C Permit Motor Insurance Jalan Ipoh
Tokio Marine Commercial Van C Permit Motor Insurance Selayang
Tokio Marine Commercial Van C Permit Motor Insurance Gombak
Tokio Marine Commercial Van C Permit Motor Insurance Wangsa Maju
Tokio Marine Commercial Van C Permit Motor Insurance Setapak
Tokio Marine Commercial Van C Permit Motor Insurance Kajang
Tokio Marine Commercial Van C Permit Motor Insurance Sungai Long
Tokio Marine Commercial Van C Permit Motor Insurance Mahkota Cheras
Tokio Marine Commercial Van C Permit Motor Insurance Seri Kembangan
Tokio Marine Commercial Van C Permit Motor Insurance Kajang
Tokio Marine Commercial Van C Permit Motor Insurance KL
Pacific Commercial Van C Permit Motor Insurance Kuala Lumpur Malaysia
Pacific Commercial Van C Permit Motor Insurance Kuala Lumpur
Pacific Commercial Van C Permit Motor Insurance Selangor
Pacific Commercial Van C Permit Motor Insurance Cheras
Pacific Commercial Van C Permit Motor Insurance Ampang
Pacific Commercial Van C Permit Motor Insurance Kampung Pandan
Pacific Commercial Van C Permit Motor Insurance Pandan Jaya
Pacific Commercial Van C Permit Motor Insurance Pandan Perdana
Pacific Commercial Van C Permit Motor Insurance Pandan Indah
Pacific Commercial Van C Permit Motor Insurance Taman Cheras
Pacific Commercial Van C Permit Motor Insurance Taman Pertama Cheras
Pacific Commercial Van C Permit Motor Insurance Taman Segar Cheras
Pacific Commercial Van C Permit Motor Insurance Taman Midah
Pacific Commercial Van C Permit Motor Insurance Bandar Tun Razak
Pacific Commercial Van C Permit Motor Insurance Taman Billion
Pacific Commercial Van C Permit Motor Insurance Taman Mewah
Pacific Commercial Van C Permit Motor Insurance Balakong
Pacific Commercial Van C Permit Motor Insurance Bangsar
Pacific Commercial Van C Permit Motor Insurance Pantai Dalam
Pacific Commercial Van C Permit Motor Insurance Jalan Kelang Lama
Pacific Commercial Van C Permit Motor Insurance Kuchai Lama
Pacific Commercial Van C Permit Motor Insurance Sungai Besi
Pacific Commercial Van C Permit Motor Insurance Puchong
Pacific Commercial Van C Permit Motor Insurance Shah Alam
Pacific Commercial Van C Permit Motor Insurance PJ
Pacific Commercial Van C Permit Motor Insurance Petaling Jaya
Pacific Commercial Van C Permit Motor Insurance Seri Petaling
Pacific Commercial Van C Permit Motor Insurance Desa Petaling
Pacific Commercial Van C Permit Motor Insurance Subang
Pacific Commercial Van C Permit Motor Insurance USJ
Pacific Commercial Van C Permit Motor Insurance Damansara
Pacific Commercial Van C Permit Motor Insurance Kota Damansara
Pacific Commercial Van C Permit Motor Insurance Kepong
Pacific Commercial Van C Permit Motor Insurance Sungai Buluh
Pacific Commercial Van C Permit Motor Insurance Rawang
Pacific Commercial Van C Permit Motor Insurance Jalan Ipoh
Pacific Commercial Van C Permit Motor Insurance Selayang
Pacific Commercial Van C Permit Motor Insurance Gombak
Pacific Commercial Van C Permit Motor Insurance Wangsa Maju
Pacific Commercial Van C Permit Motor Insurance Setapak
Pacific Commercial Van C Permit Motor Insurance Kajang
Pacific Commercial Van C Permit Motor Insurance Sungai Long
Pacific Commercial Van C Permit Motor Insurance Mahkota Cheras
Pacific Commercial Van C Permit Motor Insurance Seri Kembangan
Pacific Commercial Van C Permit Motor Insurance Kajang
Pacific Commercial Van C Permit Motor Insurance KL
Commercial Lorry and Commercial Van Motor Insurance Kuala Lumpur Directory
Services Provided By
ACPG Management Sd Bhd
+603-92863323, +6011-12239838.
enquiry@acpgconsultant.com
https://www.facebook.com/acpg.management/
Commercial Motor Insurance Kuala Lumpur Malaysia.
A Permit Commercial Van Motor Insurance
C Permit Commercial Van Motor Insurance
A Permit Commercial Lorry Motor Insurance
C Permit Commercial Lorry Motor Insurance
Commercial Car Insurance Kuala Lumpur Malaysia.
A Permit Commercial Van Car Insurance
C Permit Commercial Van Car Insurance
A Permit Commercial Lorry Car Insurance
C Permit Commercial Lorry Car Insurance
Protect against loss or damage to your own vehicle as well as third party’s bodily injury or property damage.
Introduction
Motor Insurance is a contract purchased by the owner of a vehicle from an authorised insurer to protect the policyholder (owner of the vehicle) against loss or damage to his vehicle and or against loss or damage which the policyholder might cause to another person's vehicle or property and or death or bodily injury to a third party.
Commercial Vehicle - Goods Carrying Vehicle
(A Permit and C Permit)
Use in connection with the Policyholder's business.
Use for the carriage of passengers (other than for hire or reward) in connection with the Policyholder's business.
Use for social domestic and pleasure purposes.
Does not cover:
Use for hire or reward.
Use for racing pace-making reliability trial or speed testing.
Use whilst drawing a trailer except the towing of any one disabled mechanically propelled vehicle.
Comprehensive
The cover offers protection against financial loss because it covers fire, theft and accidental damage to the Insured's vehicle in addition to the protection against the legal liabilities to third party for death and bodily injury and damage to property that may arise through the negligence of the driver.
Third Party
The cover offers protection against financial loss as a result of damage the driver of the vehicle may cause to the property of a third party. It also provides protection against any claims that may arise because of the death of or injury to another person through the negligence of the driver.
ACPG Management Sd Bhd
158-3-7, Kompleks Maluri,
Jalan Jejaka, Taman Maluri,
55100 Kuala Lumpur, Malaysia.
+603-92863323, +6011-12239838.
enquiry@acpgconsultant.com
https://www.facebook.com/acpg.management/
AIG Commercial Lorry C Permit Motor Insurance Kuala Lumpur Malaysia
AIG Commercial Lorry C Permit Motor Insurance Kuala Lumpur
AIG Commercial Lorry C Permit Motor Insurance Selangor
AIG Commercial Lorry C Permit Motor Insurance Cheras
AIG Commercial Lorry C Permit Motor Insurance Ampang
AIG Commercial Lorry C Permit Motor Insurance Kampung Pandan
AIG Commercial Lorry C Permit Motor Insurance Pandan Jaya
AIG Commercial Lorry C Permit Motor Insurance Pandan Perdana
AIG Commercial Lorry C Permit Motor Insurance Pandan Indah
AIG Commercial Lorry C Permit Motor Insurance Taman Cheras
AIG Commercial Lorry C Permit Motor Insurance Taman Pertama Cheras
AIG Commercial Lorry C Permit Motor Insurance Taman Segar Cheras
AIG Commercial Lorry C Permit Motor Insurance Taman Midah
AIG Commercial Lorry C Permit Motor Insurance Bandar Tun Razak
AIG Commercial Lorry C Permit Motor Insurance Taman Billion
AIG Commercial Lorry C Permit Motor Insurance Taman Mewah
AIG Commercial Lorry C Permit Motor Insurance Balakong
AIG Commercial Lorry C Permit Motor Insurance Bangsar
AIG Commercial Lorry C Permit Motor Insurance Pantai Dalam
AIG Commercial Lorry C Permit Motor Insurance Jalan Kelang Lama
AIG Commercial Lorry C Permit Motor Insurance Kuchai Lama
AIG Commercial Lorry C Permit Motor Insurance Sungai Besi
AIG Commercial Lorry C Permit Motor Insurance Puchong
AIG Commercial Lorry C Permit Motor Insurance Shah Alam
AIG Commercial Lorry C Permit Motor Insurance PJ
AIG Commercial Lorry C Permit Motor Insurance Petaling Jaya
AIG Commercial Lorry C Permit Motor Insurance Seri Petaling
AIG Commercial Lorry C Permit Motor Insurance Desa Petaling
AIG Commercial Lorry C Permit Motor Insurance Subang
AIG Commercial Lorry C Permit Motor Insurance USJ
AIG Commercial Lorry C Permit Motor Insurance Damansara
AIG Commercial Lorry C Permit Motor Insurance Kota Damansara
AIG Commercial Lorry C Permit Motor Insurance Kepong
AIG Commercial Lorry C Permit Motor Insurance Sungai Buluh
AIG Commercial Lorry C Permit Motor Insurance Rawang
AIG Commercial Lorry C Permit Motor Insurance Jalan Ipoh
AIG Commercial Lorry C Permit Motor Insurance Selayang
AIG Commercial Lorry C Permit Motor Insurance Gombak
AIG Commercial Lorry C Permit Motor Insurance Wangsa Maju
AIG Commercial Lorry C Permit Motor Insurance Setapak
AIG Commercial Lorry C Permit Motor Insurance Kajang
AIG Commercial Lorry C Permit Motor Insurance Sungai Long
AIG Commercial Lorry C Permit Motor Insurance Mahkota Cheras
AIG Commercial Lorry C Permit Motor Insurance Seri Kembangan
AIG Commercial Lorry C Permit Motor Insurance Kajang
AIG Commercial Lorry C Permit Motor Insurance KL
AXA Commercial Lorry C Permit Motor Insurance Kuala Lumpur Malaysia
AXA Commercial Lorry C Permit Motor Insurance Kuala Lumpur
AXA Commercial Lorry C Permit Motor Insurance Selangor
AXA Commercial Lorry C Permit Motor Insurance Cheras
AXA Commercial Lorry C Permit Motor Insurance Ampang
AXA Commercial Lorry C Permit Motor Insurance Kampung Pandan
AXA Commercial Lorry C Permit Motor Insurance Pandan Jaya
AXA Commercial Lorry C Permit Motor Insurance Pandan Perdana
AXA Commercial Lorry C Permit Motor Insurance Pandan Indah
AXA Commercial Lorry C Permit Motor Insurance Taman Cheras
AXA Commercial Lorry C Permit Motor Insurance Taman Pertama Cheras
AXA Commercial Lorry C Permit Motor Insurance Taman Segar Cheras
AXA Commercial Lorry C Permit Motor Insurance Taman Midah
AXA Commercial Lorry C Permit Motor Insurance Bandar Tun Razak
AXA Commercial Lorry C Permit Motor Insurance Taman Billion
AXA Commercial Lorry C Permit Motor Insurance Taman Mewah
AXA Commercial Lorry C Permit Motor Insurance Balakong
AXA Commercial Lorry C Permit Motor Insurance Bangsar
AXA Commercial Lorry C Permit Motor Insurance Pantai Dalam
AXA Commercial Lorry C Permit Motor Insurance Jalan Kelang Lama
AXA Commercial Lorry C Permit Motor Insurance Kuchai Lama
AXA Commercial Lorry C Permit Motor Insurance Sungai Besi
AXA Commercial Lorry C Permit Motor Insurance Puchong
AXA Commercial Lorry C Permit Motor Insurance Shah Alam
AXA Commercial Lorry C Permit Motor Insurance PJ
AXA Commercial Lorry C Permit Motor Insurance Petaling Jaya
AXA Commercial Lorry C Permit Motor Insurance Seri Petaling
AXA Commercial Lorry C Permit Motor Insurance Desa Petaling
AXA Commercial Lorry C Permit Motor Insurance Subang
AXA Commercial Lorry C Permit Motor Insurance USJ
AXA Commercial Lorry C Permit Motor Insurance Damansara
AXA Commercial Lorry C Permit Motor Insurance Kota Damansara
AXA Commercial Lorry C Permit Motor Insurance Kepong
AXA Commercial Lorry C Permit Motor Insurance Sungai Buluh
AXA Commercial Lorry C Permit Motor Insurance Rawang
AXA Commercial Lorry C Permit Motor Insurance Jalan Ipoh
AXA Commercial Lorry C Permit Motor Insurance Selayang
AXA Commercial Lorry C Permit Motor Insurance Gombak
AXA Commercial Lorry C Permit Motor Insurance Wangsa Maju
AXA Commercial Lorry C Permit Motor Insurance Setapak
AXA Commercial Lorry C Permit Motor Insurance Kajang
AXA Commercial Lorry C Permit Motor Insurance Sungai Long
AXA Commercial Lorry C Permit Motor Insurance Mahkota Cheras
AXA Commercial Lorry C Permit Motor Insurance Seri Kembangan
AXA Commercial Lorry C Permit Motor Insurance Kajang
AXA Commercial Lorry C Permit Motor Insurance KL
Allianz Commercial Lorry C Permit Motor Insurance Kuala Lumpur Malaysia
Allianz Commercial Lorry C Permit Motor Insurance Kuala Lumpur
Allianz Commercial Lorry C Permit Motor Insurance Selangor
Allianz Commercial Lorry C Permit Motor Insurance Cheras
Allianz Commercial Lorry C Permit Motor Insurance Ampang
Allianz Commercial Lorry C Permit Motor Insurance Kampung Pandan
Allianz Commercial Lorry C Permit Motor Insurance Pandan Jaya
Allianz Commercial Lorry C Permit Motor Insurance Pandan Perdana
Allianz Commercial Lorry C Permit Motor Insurance Pandan Indah
Allianz Commercial Lorry C Permit Motor Insurance Taman Cheras
Allianz Commercial Lorry C Permit Motor Insurance Taman Pertama Cheras
Allianz Commercial Lorry C Permit Motor Insurance Taman Segar Cheras
Allianz Commercial Lorry C Permit Motor Insurance Taman Midah
Allianz Commercial Lorry C Permit Motor Insurance Bandar Tun Razak
Allianz Commercial Lorry C Permit Motor Insurance Taman Billion
Allianz Commercial Lorry C Permit Motor Insurance Taman Mewah
Allianz Commercial Lorry C Permit Motor Insurance Balakong
Allianz Commercial Lorry C Permit Motor Insurance Bangsar
Allianz Commercial Lorry C Permit Motor Insurance Pantai Dalam
Allianz Commercial Lorry C Permit Motor Insurance Jalan Kelang Lama
Allianz Commercial Lorry C Permit Motor Insurance Kuchai Lama
Allianz Commercial Lorry C Permit Motor Insurance Sungai Besi
Allianz Commercial Lorry C Permit Motor Insurance Puchong
Allianz Commercial Lorry C Permit Motor Insurance Shah Alam
Allianz Commercial Lorry C Permit Motor Insurance PJ
Allianz Commercial Lorry C Permit Motor Insurance Petaling Jaya
Allianz Commercial Lorry C Permit Motor Insurance Seri Petaling
Allianz Commercial Lorry C Permit Motor Insurance Desa Petaling
Allianz Commercial Lorry C Permit Motor Insurance Subang
Allianz Commercial Lorry C Permit Motor Insurance USJ
Allianz Commercial Lorry C Permit Motor Insurance Damansara
Allianz Commercial Lorry C Permit Motor Insurance Kota Damansara
Allianz Commercial Lorry C Permit Motor Insurance Kepong
Allianz Commercial Lorry C Permit Motor Insurance Sungai Buluh
Allianz Commercial Lorry C Permit Motor Insurance Rawang
Allianz Commercial Lorry C Permit Motor Insurance Jalan Ipoh
Allianz Commercial Lorry C Permit Motor Insurance Selayang
Allianz Commercial Lorry C Permit Motor Insurance Gombak
Allianz Commercial Lorry C Permit Motor Insurance Wangsa Maju
Allianz Commercial Lorry C Permit Motor Insurance Setapak
Allianz Commercial Lorry C Permit Motor Insurance Kajang
Allianz Commercial Lorry C Permit Motor Insurance Sungai Long
Allianz Commercial Lorry C Permit Motor Insurance Mahkota Cheras
Allianz Commercial Lorry C Permit Motor Insurance Seri Kembangan
Allianz Commercial Lorry C Permit Motor Insurance Kajang
Allianz Commercial Lorry C Permit Motor Insurance KL
MSIG Commercial Lorry C Permit Motor Insurance Kuala Lumpur Malaysia
MSIG Commercial Lorry C Permit Motor Insurance Kuala Lumpur
MSIG Commercial Lorry C Permit Motor Insurance Selangor
MSIG Commercial Lorry C Permit Motor Insurance Cheras
MSIG Commercial Lorry C Permit Motor Insurance Ampang
MSIG Commercial Lorry C Permit Motor Insurance Kampung Pandan
MSIG Commercial Lorry C Permit Motor Insurance Pandan Jaya
MSIG Commercial Lorry C Permit Motor Insurance Pandan Perdana
MSIG Commercial Lorry C Permit Motor Insurance Pandan Indah
MSIG Commercial Lorry C Permit Motor Insurance Taman Cheras
MSIG Commercial Lorry C Permit Motor Insurance Taman Pertama Cheras
MSIG Commercial Lorry C Permit Motor Insurance Taman Segar Cheras
MSIG Commercial Lorry C Permit Motor Insurance Taman Midah
MSIG Commercial Lorry C Permit Motor Insurance Bandar Tun Razak
MSIG Commercial Lorry C Permit Motor Insurance Taman Billion
MSIG Commercial Lorry C Permit Motor Insurance Taman Mewah
MSIG Commercial Lorry C Permit Motor Insurance Balakong
MSIG Commercial Lorry C Permit Motor Insurance Bangsar
MSIG Commercial Lorry C Permit Motor Insurance Pantai Dalam
MSIG Commercial Lorry C Permit Motor Insurance Jalan Kelang Lama
MSIG Commercial Lorry C Permit Motor Insurance Kuchai Lama
MSIG Commercial Lorry C Permit Motor Insurance Sungai Besi
MSIG Commercial Lorry C Permit Motor Insurance Puchong
MSIG Commercial Lorry C Permit Motor Insurance Shah Alam
MSIG Commercial Lorry C Permit Motor Insurance PJ
MSIG Commercial Lorry C Permit Motor Insurance Petaling Jaya
MSIG Commercial Lorry C Permit Motor Insurance Seri Petaling
MSIG Commercial Lorry C Permit Motor Insurance Desa Petaling
MSIG Commercial Lorry C Permit Motor Insurance Subang
MSIG Commercial Lorry C Permit Motor Insurance USJ
MSIG Commercial Lorry C Permit Motor Insurance Damansara
MSIG Commercial Lorry C Permit Motor Insurance Kota Damansara
MSIG Commercial Lorry C Permit Motor Insurance Kepong
MSIG Commercial Lorry C Permit Motor Insurance Sungai Buluh
MSIG Commercial Lorry C Permit Motor Insurance Rawang
MSIG Commercial Lorry C Permit Motor Insurance Jalan Ipoh
MSIG Commercial Lorry C Permit Motor Insurance Selayang
MSIG Commercial Lorry C Permit Motor Insurance Gombak
MSIG Commercial Lorry C Permit Motor Insurance Wangsa Maju
MSIG Commercial Lorry C Permit Motor Insurance Setapak
MSIG Commercial Lorry C Permit Motor Insurance Kajang
MSIG Commercial Lorry C Permit Motor Insurance Sungai Long
MSIG Commercial Lorry C Permit Motor Insurance Mahkota Cheras
MSIG Commercial Lorry C Permit Motor Insurance Seri Kembangan
MSIG Commercial Lorry C Permit Motor Insurance Kajang
MSIG Commercial Lorry C Permit Motor Insurance KL
Lonpac Commercial Lorry C Permit Motor Insurance Kuala Lumpur Malaysia
Lonpac Commercial Lorry C Permit Motor Insurance Kuala Lumpur
Lonpac Commercial Lorry C Permit Motor Insurance Selangor
Lonpac Commercial Lorry C Permit Motor Insurance Cheras
Lonpac Commercial Lorry C Permit Motor Insurance Ampang
Lonpac Commercial Lorry C Permit Motor Insurance Kampung Pandan
Lonpac Commercial Lorry C Permit Motor Insurance Pandan Jaya
Lonpac Commercial Lorry C Permit Motor Insurance Pandan Perdana
Lonpac Commercial Lorry C Permit Motor Insurance Pandan Indah
Lonpac Commercial Lorry C Permit Motor Insurance Taman Cheras
Lonpac Commercial Lorry C Permit Motor Insurance Taman Pertama Cheras
Lonpac Commercial Lorry C Permit Motor Insurance Taman Segar Cheras
Lonpac Commercial Lorry C Permit Motor Insurance Taman Midah
Lonpac Commercial Lorry C Permit Motor Insurance Bandar Tun Razak
Lonpac Commercial Lorry C Permit Motor Insurance Taman Billion
Lonpac Commercial Lorry C Permit Motor Insurance Taman Mewah
Lonpac Commercial Lorry C Permit Motor Insurance Balakong
Lonpac Commercial Lorry C Permit Motor Insurance Bangsar
Lonpac Commercial Lorry C Permit Motor Insurance Pantai Dalam
Lonpac Commercial Lorry C Permit Motor Insurance Jalan Kelang Lama
Lonpac Commercial Lorry C Permit Motor Insurance Kuchai Lama
Lonpac Commercial Lorry C Permit Motor Insurance Sungai Besi
Lonpac Commercial Lorry C Permit Motor Insurance Puchong
Lonpac Commercial Lorry C Permit Motor Insurance Shah Alam
Lonpac Commercial Lorry C Permit Motor Insurance PJ
Lonpac Commercial Lorry C Permit Motor Insurance Petaling Jaya
Lonpac Commercial Lorry C Permit Motor Insurance Seri Petaling
Lonpac Commercial Lorry C Permit Motor Insurance Desa Petaling
Lonpac Commercial Lorry C Permit Motor Insurance Subang
Lonpac Commercial Lorry C Permit Motor Insurance USJ
Lonpac Commercial Lorry C Permit Motor Insurance Damansara
Lonpac Commercial Lorry C Permit Motor Insurance Kota Damansara
Lonpac Commercial Lorry C Permit Motor Insurance Kepong
Lonpac Commercial Lorry C Permit Motor Insurance Sungai Buluh
Lonpac Commercial Lorry C Permit Motor Insurance Rawang
Lonpac Commercial Lorry C Permit Motor Insurance Jalan Ipoh
Lonpac Commercial Lorry C Permit Motor Insurance Selayang
Lonpac Commercial Lorry C Permit Motor Insurance Gombak
Lonpac Commercial Lorry C Permit Motor Insurance Wangsa Maju
Lonpac Commercial Lorry C Permit Motor Insurance Setapak
Lonpac Commercial Lorry C Permit Motor Insurance Kajang
Lonpac Commercial Lorry C Permit Motor Insurance Sungai Long
Lonpac Commercial Lorry C Permit Motor Insurance Mahkota Cheras
Lonpac Commercial Lorry C Permit Motor Insurance Seri Kembangan
Lonpac Commercial Lorry C Permit Motor Insurance Kajang
Lonpac Commercial Lorry C Permit Motor Insurance KL
Kurnia Commercial Lorry C Permit Motor Insurance Kuala Lumpur Malaysia
Kurnia Commercial Lorry C Permit Motor Insurance Kuala Lumpur
Kurnia Commercial Lorry C Permit Motor Insurance Selangor
Kurnia Commercial Lorry C Permit Motor Insurance Cheras
Kurnia Commercial Lorry C Permit Motor Insurance Ampang
Kurnia Commercial Lorry C Permit Motor Insurance Kampung Pandan
Kurnia Commercial Lorry C Permit Motor Insurance Pandan Jaya
Kurnia Commercial Lorry C Permit Motor Insurance Pandan Perdana
Kurnia Commercial Lorry C Permit Motor Insurance Pandan Indah
Kurnia Commercial Lorry C Permit Motor Insurance Taman Cheras
Kurnia Commercial Lorry C Permit Motor Insurance Taman Pertama Cheras
Kurnia Commercial Lorry C Permit Motor Insurance Taman Segar Cheras
Kurnia Commercial Lorry C Permit Motor Insurance Taman Midah
Kurnia Commercial Lorry C Permit Motor Insurance Bandar Tun Razak
Kurnia Commercial Lorry C Permit Motor Insurance Taman Billion
Kurnia Commercial Lorry C Permit Motor Insurance Taman Mewah
Kurnia Commercial Lorry C Permit Motor Insurance Balakong
Kurnia Commercial Lorry C Permit Motor Insurance Bangsar
Kurnia Commercial Lorry C Permit Motor Insurance Pantai Dalam
Kurnia Commercial Lorry C Permit Motor Insurance Jalan Kelang Lama
Kurnia Commercial Lorry C Permit Motor Insurance Kuchai Lama
Kurnia Commercial Lorry C Permit Motor Insurance Sungai Besi
Kurnia Commercial Lorry C Permit Motor Insurance Puchong
Kurnia Commercial Lorry C Permit Motor Insurance Shah Alam
Kurnia Commercial Lorry C Permit Motor Insurance PJ
Kurnia Commercial Lorry C Permit Motor Insurance Petaling Jaya
Kurnia Commercial Lorry C Permit Motor Insurance Seri Petaling
Kurnia Commercial Lorry C Permit Motor Insurance Desa Petaling
Kurnia Commercial Lorry C Permit Motor Insurance Subang
Kurnia Commercial Lorry C Permit Motor Insurance USJ
Kurnia Commercial Lorry C Permit Motor Insurance Damansara
Kurnia Commercial Lorry C Permit Motor Insurance Kota Damansara
Kurnia Commercial Lorry C Permit Motor Insurance Kepong
Kurnia Commercial Lorry C Permit Motor Insurance Sungai Buluh
Kurnia Commercial Lorry C Permit Motor Insurance Rawang
Kurnia Commercial Lorry C Permit Motor Insurance Jalan Ipoh
Kurnia Commercial Lorry C Permit Motor Insurance Selayang
Kurnia Commercial Lorry C Permit Motor Insurance Gombak
Kurnia Commercial Lorry C Permit Motor Insurance Wangsa Maju
Kurnia Commercial Lorry C Permit Motor Insurance Setapak
Kurnia Commercial Lorry C Permit Motor Insurance Kajang
Kurnia Commercial Lorry C Permit Motor Insurance Sungai Long
Kurnia Commercial Lorry C Permit Motor Insurance Mahkota Cheras
Kurnia Commercial Lorry C Permit Motor Insurance Seri Kembangan
Kurnia Commercial Lorry C Permit Motor Insurance Kajang
Kurnia Commercial Lorry C Permit Motor Insurance KL
Tokio Marine Commercial Lorry C Permit Motor Insurance Kuala Lumpur Malaysia
Tokio Marine Commercial Lorry C Permit Motor Insurance Kuala Lumpur
Tokio Marine Commercial Lorry C Permit Motor Insurance Selangor
Tokio Marine Commercial Lorry C Permit Motor Insurance Cheras
Tokio Marine Commercial Lorry C Permit Motor Insurance Ampang
Tokio Marine Commercial Lorry C Permit Motor Insurance Kampung Pandan
Tokio Marine Commercial Lorry C Permit Motor Insurance Pandan Jaya
Tokio Marine Commercial Lorry C Permit Motor Insurance Pandan Perdana
Tokio Marine Commercial Lorry C Permit Motor Insurance Pandan Indah
Tokio Marine Commercial Lorry C Permit Motor Insurance Taman Cheras
Tokio Marine Commercial Lorry C Permit Motor Insurance Taman Pertama Cheras
Tokio Marine Commercial Lorry C Permit Motor Insurance Taman Segar Cheras
Tokio Marine Commercial Lorry C Permit Motor Insurance Taman Midah
Tokio Marine Commercial Lorry C Permit Motor Insurance Bandar Tun Razak
Tokio Marine Commercial Lorry C Permit Motor Insurance Taman Billion
Tokio Marine Commercial Lorry C Permit Motor Insurance Taman Mewah
Tokio Marine Commercial Lorry C Permit Motor Insurance Balakong
Tokio Marine Commercial Lorry C Permit Motor Insurance Bangsar
Tokio Marine Commercial Lorry C Permit Motor Insurance Pantai Dalam
Tokio Marine Commercial Lorry C Permit Motor Insurance Jalan Kelang Lama
Tokio Marine Commercial Lorry C Permit Motor Insurance Kuchai Lama
Tokio Marine Commercial Lorry C Permit Motor Insurance Sungai Besi
Tokio Marine Commercial Lorry C Permit Motor Insurance Puchong
Tokio Marine Commercial Lorry C Permit Motor Insurance Shah Alam
Tokio Marine Commercial Lorry C Permit Motor Insurance PJ
Tokio Marine Commercial Lorry C Permit Motor Insurance Petaling Jaya
Tokio Marine Commercial Lorry C Permit Motor Insurance Seri Petaling
Tokio Marine Commercial Lorry C Permit Motor Insurance Desa Petaling
Tokio Marine Commercial Lorry C Permit Motor Insurance Subang
Tokio Marine Commercial Lorry C Permit Motor Insurance USJ
Tokio Marine Commercial Lorry C Permit Motor Insurance Damansara
Tokio Marine Commercial Lorry C Permit Motor Insurance Kota Damansara
Tokio Marine Commercial Lorry C Permit Motor Insurance Kepong
Tokio Marine Commercial Lorry C Permit Motor Insurance Sungai Buluh
Tokio Marine Commercial Lorry C Permit Motor Insurance Rawang
Tokio Marine Commercial Lorry C Permit Motor Insurance Jalan Ipoh
Tokio Marine Commercial Lorry C Permit Motor Insurance Selayang
Tokio Marine Commercial Lorry C Permit Motor Insurance Gombak
Tokio Marine Commercial Lorry C Permit Motor Insurance Wangsa Maju
Tokio Marine Commercial Lorry C Permit Motor Insurance Setapak
Tokio Marine Commercial Lorry C Permit Motor Insurance Kajang
Tokio Marine Commercial Lorry C Permit Motor Insurance Sungai Long
Tokio Marine Commercial Lorry C Permit Motor Insurance Mahkota Cheras
Tokio Marine Commercial Lorry C Permit Motor Insurance Seri Kembangan
Tokio Marine Commercial Lorry C Permit Motor Insurance Kajang
Tokio Marine Commercial Lorry C Permit Motor Insurance KL
Pacific Commercial Lorry C Permit Motor Insurance Kuala Lumpur Malaysia
Pacific Commercial Lorry C Permit Motor Insurance Kuala Lumpur
Pacific Commercial Lorry C Permit Motor Insurance Selangor
Pacific Commercial Lorry C Permit Motor Insurance Cheras
Pacific Commercial Lorry C Permit Motor Insurance Ampang
Pacific Commercial Lorry C Permit Motor Insurance Kampung Pandan
Pacific Commercial Lorry C Permit Motor Insurance Pandan Jaya
Pacific Commercial Lorry C Permit Motor Insurance Pandan Perdana
Pacific Commercial Lorry C Permit Motor Insurance Pandan Indah
Pacific Commercial Lorry C Permit Motor Insurance Taman Cheras
Pacific Commercial Lorry C Permit Motor Insurance Taman Pertama Cheras
Pacific Commercial Lorry C Permit Motor Insurance Taman Segar Cheras
Pacific Commercial Lorry C Permit Motor Insurance Taman Midah
Pacific Commercial Lorry C Permit Motor Insurance Bandar Tun Razak
Pacific Commercial Lorry C Permit Motor Insurance Taman Billion
Pacific Commercial Lorry C Permit Motor Insurance Taman Mewah
Pacific Commercial Lorry C Permit Motor Insurance Balakong
Pacific Commercial Lorry C Permit Motor Insurance Bangsar
Pacific Commercial Lorry C Permit Motor Insurance Pantai Dalam
Pacific Commercial Lorry C Permit Motor Insurance Jalan Kelang Lama
Pacific Commercial Lorry C Permit Motor Insurance Kuchai Lama
Pacific Commercial Lorry C Permit Motor Insurance Sungai Besi
Pacific Commercial Lorry C Permit Motor Insurance Puchong
Pacific Commercial Lorry C Permit Motor Insurance Shah Alam
Pacific Commercial Lorry C Permit Motor Insurance PJ
Pacific Commercial Lorry C Permit Motor Insurance Petaling Jaya
Pacific Commercial Lorry C Permit Motor Insurance Seri Petaling
Pacific Commercial Lorry C Permit Motor Insurance Desa Petaling
Pacific Commercial Lorry C Permit Motor Insurance Subang
Pacific Commercial Lorry C Permit Motor Insurance USJ
Pacific Commercial Lorry C Permit Motor Insurance Damansara
Pacific Commercial Lorry C Permit Motor Insurance Kota Damansara
Pacific Commercial Lorry C Permit Motor Insurance Kepong
Pacific Commercial Lorry C Permit Motor Insurance Sungai Buluh
Pacific Commercial Lorry C Permit Motor Insurance Rawang
Pacific Commercial Lorry C Permit Motor Insurance Jalan Ipoh
Pacific Commercial Lorry C Permit Motor Insurance Selayang
Pacific Commercial Lorry C Permit Motor Insurance Gombak
Pacific Commercial Lorry C Permit Motor Insurance Wangsa Maju
Pacific Commercial Lorry C Permit Motor Insurance Setapak
Pacific Commercial Lorry C Permit Motor Insurance Kajang
Pacific Commercial Lorry C Permit Motor Insurance Sungai Long
Pacific Commercial Lorry C Permit Motor Insurance Mahkota Cheras
Pacific Commercial Lorry C Permit Motor Insurance Seri Kembangan
Pacific Commercial Lorry C Permit Motor Insurance Kajang
Pacific Commercial Lorry C Permit Motor Insurance KL
AIG Commercial Lorry A Permit Motor Insurance Kuala Lumpur Malaysia
AIG Commercial Lorry A Permit Motor Insurance Kuala Lumpur
AIG Commercial Lorry A Permit Motor Insurance Selangor
AIG Commercial Lorry A Permit Motor Insurance Cheras
AIG Commercial Lorry A Permit Motor Insurance Ampang
AIG Commercial Lorry A Permit Motor Insurance Kampung Pandan
AIG Commercial Lorry A Permit Motor Insurance Pandan Jaya
AIG Commercial Lorry A Permit Motor Insurance Pandan Perdana
AIG Commercial Lorry A Permit Motor Insurance Pandan Indah
AIG Commercial Lorry A Permit Motor Insurance Taman Cheras
AIG Commercial Lorry A Permit Motor Insurance Taman Pertama Cheras
AIG Commercial Lorry A Permit Motor Insurance Taman Segar Cheras
AIG Commercial Lorry A Permit Motor Insurance Taman Midah
AIG Commercial Lorry A Permit Motor Insurance Bandar Tun Razak
AIG Commercial Lorry A Permit Motor Insurance Taman Billion
AIG Commercial Lorry A Permit Motor Insurance Taman Mewah
AIG Commercial Lorry A Permit Motor Insurance Balakong
AIG Commercial Lorry A Permit Motor Insurance Bangsar
AIG Commercial Lorry A Permit Motor Insurance Pantai Dalam
AIG Commercial Lorry A Permit Motor Insurance Jalan Kelang Lama
AIG Commercial Lorry A Permit Motor Insurance Kuchai Lama
AIG Commercial Lorry A Permit Motor Insurance Sungai Besi
AIG Commercial Lorry A Permit Motor Insurance Puchong
AIG Commercial Lorry A Permit Motor Insurance Shah Alam
AIG Commercial Lorry A Permit Motor Insurance PJ
AIG Commercial Lorry A Permit Motor Insurance Petaling Jaya
AIG Commercial Lorry A Permit Motor Insurance Seri Petaling
AIG Commercial Lorry A Permit Motor Insurance Desa Petaling
AIG Commercial Lorry A Permit Motor Insurance Subang
AIG Commercial Lorry A Permit Motor Insurance USJ
AIG Commercial Lorry A Permit Motor Insurance Damansara
AIG Commercial Lorry A Permit Motor Insurance Kota Damansara
AIG Commercial Lorry A Permit Motor Insurance Kepong
AIG Commercial Lorry A Permit Motor Insurance Sungai Buluh
AIG Commercial Lorry A Permit Motor Insurance Rawang
AIG Commercial Lorry A Permit Motor Insurance Jalan Ipoh
AIG Commercial Lorry A Permit Motor Insurance Selayang
AIG Commercial Lorry A Permit Motor Insurance Gombak
AIG Commercial Lorry A Permit Motor Insurance Wangsa Maju
AIG Commercial Lorry A Permit Motor Insurance Setapak
AIG Commercial Lorry A Permit Motor Insurance Kajang
AIG Commercial Lorry A Permit Motor Insurance Sungai Long
AIG Commercial Lorry A Permit Motor Insurance Mahkota Cheras
AIG Commercial Lorry A Permit Motor Insurance Seri Kembangan
AIG Commercial Lorry A Permit Motor Insurance Kajang
AIG Commercial Lorry A Permit Motor Insurance KL
AXA Commercial Lorry A Permit Motor Insurance Kuala Lumpur Malaysia
AXA Commercial Lorry A Permit Motor Insurance Kuala Lumpur
AXA Commercial Lorry A Permit Motor Insurance Selangor
AXA Commercial Lorry A Permit Motor Insurance Cheras
AXA Commercial Lorry A Permit Motor Insurance Ampang
AXA Commercial Lorry A Permit Motor Insurance Kampung Pandan
AXA Commercial Lorry A Permit Motor Insurance Pandan Jaya
AXA Commercial Lorry A Permit Motor Insurance Pandan Perdana
AXA Commercial Lorry A Permit Motor Insurance Pandan Indah
AXA Commercial Lorry A Permit Motor Insurance Taman Cheras
AXA Commercial Lorry A Permit Motor Insurance Taman Pertama Cheras
AXA Commercial Lorry A Permit Motor Insurance Taman Segar Cheras
AXA Commercial Lorry A Permit Motor Insurance Taman Midah
AXA Commercial Lorry A Permit Motor Insurance Bandar Tun Razak
AXA Commercial Lorry A Permit Motor Insurance Taman Billion
AXA Commercial Lorry A Permit Motor Insurance Taman Mewah
AXA Commercial Lorry A Permit Motor Insurance Balakong
AXA Commercial Lorry A Permit Motor Insurance Bangsar
AXA Commercial Lorry A Permit Motor Insurance Pantai Dalam
AXA Commercial Lorry A Permit Motor Insurance Jalan Kelang Lama
AXA Commercial Lorry A Permit Motor Insurance Kuchai Lama
AXA Commercial Lorry A Permit Motor Insurance Sungai Besi
AXA Commercial Lorry A Permit Motor Insurance Puchong
AXA Commercial Lorry A Permit Motor Insurance Shah Alam
AXA Commercial Lorry A Permit Motor Insurance PJ
AXA Commercial Lorry A Permit Motor Insurance Petaling Jaya
AXA Commercial Lorry A Permit Motor Insurance Seri Petaling
AXA Commercial Lorry A Permit Motor Insurance Desa Petaling
AXA Commercial Lorry A Permit Motor Insurance Subang
AXA Commercial Lorry A Permit Motor Insurance USJ
AXA Commercial Lorry A Permit Motor Insurance Damansara
AXA Commercial Lorry A Permit Motor Insurance Kota Damansara
AXA Commercial Lorry A Permit Motor Insurance Kepong
AXA Commercial Lorry A Permit Motor Insurance Sungai Buluh
AXA Commercial Lorry A Permit Motor Insurance Rawang
AXA Commercial Lorry A Permit Motor Insurance Jalan Ipoh
AXA Commercial Lorry A Permit Motor Insurance Selayang
AXA Commercial Lorry A Permit Motor Insurance Gombak
AXA Commercial Lorry A Permit Motor Insurance Wangsa Maju
AXA Commercial Lorry A Permit Motor Insurance Setapak
AXA Commercial Lorry A Permit Motor Insurance Kajang
AXA Commercial Lorry A Permit Motor Insurance Sungai Long
AXA Commercial Lorry A Permit Motor Insurance Mahkota Cheras
AXA Commercial Lorry A Permit Motor Insurance Seri Kembangan
AXA Commercial Lorry A Permit Motor Insurance Kajang
AXA Commercial Lorry A Permit Motor Insurance KL
Allianz Commercial Lorry A Permit Motor Insurance Kuala Lumpur Malaysia
Allianz Commercial Lorry A Permit Motor Insurance Kuala Lumpur
Allianz Commercial Lorry A Permit Motor Insurance Selangor
Allianz Commercial Lorry A Permit Motor Insurance Cheras
Allianz Commercial Lorry A Permit Motor Insurance Ampang
Allianz Commercial Lorry A Permit Motor Insurance Kampung Pandan
Allianz Commercial Lorry A Permit Motor Insurance Pandan Jaya
Allianz Commercial Lorry A Permit Motor Insurance Pandan Perdana
Allianz Commercial Lorry A Permit Motor Insurance Pandan Indah
Allianz Commercial Lorry A Permit Motor Insurance Taman Cheras
Allianz Commercial Lorry A Permit Motor Insurance Taman Pertama Cheras
Allianz Commercial Lorry A Permit Motor Insurance Taman Segar Cheras
Allianz Commercial Lorry A Permit Motor Insurance Taman Midah
Allianz Commercial Lorry A Permit Motor Insurance Bandar Tun Razak
Allianz Commercial Lorry A Permit Motor Insurance Taman Billion
Allianz Commercial Lorry A Permit Motor Insurance Taman Mewah
Allianz Commercial Lorry A Permit Motor Insurance Balakong
Allianz Commercial Lorry A Permit Motor Insurance Bangsar
Allianz Commercial Lorry A Permit Motor Insurance Pantai Dalam
Allianz Commercial Lorry A Permit Motor Insurance Jalan Kelang Lama
Allianz Commercial Lorry A Permit Motor Insurance Kuchai Lama
Allianz Commercial Lorry A Permit Motor Insurance Sungai Besi
Allianz Commercial Lorry A Permit Motor Insurance Puchong
Allianz Commercial Lorry A Permit Motor Insurance Shah Alam
Allianz Commercial Lorry A Permit Motor Insurance PJ
Allianz Commercial Lorry A Permit Motor Insurance Petaling Jaya
Allianz Commercial Lorry A Permit Motor Insurance Seri Petaling
Allianz Commercial Lorry A Permit Motor Insurance Desa Petaling
Allianz Commercial Lorry A Permit Motor Insurance Subang
Allianz Commercial Lorry A Permit Motor Insurance USJ
Allianz Commercial Lorry A Permit Motor Insurance Damansara
Allianz Commercial Lorry A Permit Motor Insurance Kota Damansara
Allianz Commercial Lorry A Permit Motor Insurance Kepong
Allianz Commercial Lorry A Permit Motor Insurance Sungai Buluh
Allianz Commercial Lorry A Permit Motor Insurance Rawang
Allianz Commercial Lorry A Permit Motor Insurance Jalan Ipoh
Allianz Commercial Lorry A Permit Motor Insurance Selayang
Allianz Commercial Lorry A Permit Motor Insurance Gombak
Allianz Commercial Lorry A Permit Motor Insurance Wangsa Maju
Allianz Commercial Lorry A Permit Motor Insurance Setapak
Allianz Commercial Lorry A Permit Motor Insurance Kajang
Allianz Commercial Lorry A Permit Motor Insurance Sungai Long
Allianz Commercial Lorry A Permit Motor Insurance Mahkota Cheras
Allianz Commercial Lorry A Permit Motor Insurance Seri Kembangan
Allianz Commercial Lorry A Permit Motor Insurance Kajang
Allianz Commercial Lorry A Permit Motor Insurance KL
MSIG Commercial Lorry A Permit Motor Insurance Kuala Lumpur Malaysia
MSIG Commercial Lorry A Permit Motor Insurance Kuala Lumpur
MSIG Commercial Lorry A Permit Motor Insurance Selangor
MSIG Commercial Lorry A Permit Motor Insurance Cheras
MSIG Commercial Lorry A Permit Motor Insurance Ampang
MSIG Commercial Lorry A Permit Motor Insurance Kampung Pandan
MSIG Commercial Lorry A Permit Motor Insurance Pandan Jaya
MSIG Commercial Lorry A Permit Motor Insurance Pandan Perdana
MSIG Commercial Lorry A Permit Motor Insurance Pandan Indah
MSIG Commercial Lorry A Permit Motor Insurance Taman Cheras
MSIG Commercial Lorry A Permit Motor Insurance Taman Pertama Cheras
MSIG Commercial Lorry A Permit Motor Insurance Taman Segar Cheras
MSIG Commercial Lorry A Permit Motor Insurance Taman Midah
MSIG Commercial Lorry A Permit Motor Insurance Bandar Tun Razak
MSIG Commercial Lorry A Permit Motor Insurance Taman Billion
MSIG Commercial Lorry A Permit Motor Insurance Taman Mewah
MSIG Commercial Lorry A Permit Motor Insurance Balakong
MSIG Commercial Lorry A Permit Motor Insurance Bangsar
MSIG Commercial Lorry A Permit Motor Insurance Pantai Dalam
MSIG Commercial Lorry A Permit Motor Insurance Jalan Kelang Lama
MSIG Commercial Lorry A Permit Motor Insurance Kuchai Lama
MSIG Commercial Lorry A Permit Motor Insurance Sungai Besi
MSIG Commercial Lorry A Permit Motor Insurance Puchong
MSIG Commercial Lorry A Permit Motor Insurance Shah Alam
MSIG Commercial Lorry A Permit Motor Insurance PJ
MSIG Commercial Lorry A Permit Motor Insurance Petaling Jaya
MSIG Commercial Lorry A Permit Motor Insurance Seri Petaling
MSIG Commercial Lorry A Permit Motor Insurance Desa Petaling
MSIG Commercial Lorry A Permit Motor Insurance Subang
MSIG Commercial Lorry A Permit Motor Insurance USJ
MSIG Commercial Lorry A Permit Motor Insurance Damansara
MSIG Commercial Lorry A Permit Motor Insurance Kota Damansara
MSIG Commercial Lorry A Permit Motor Insurance Kepong
MSIG Commercial Lorry A Permit Motor Insurance Sungai Buluh
MSIG Commercial Lorry A Permit Motor Insurance Rawang
MSIG Commercial Lorry A Permit Motor Insurance Jalan Ipoh
MSIG Commercial Lorry A Permit Motor Insurance Selayang
MSIG Commercial Lorry A Permit Motor Insurance Gombak
MSIG Commercial Lorry A Permit Motor Insurance Wangsa Maju
MSIG Commercial Lorry A Permit Motor Insurance Setapak
MSIG Commercial Lorry A Permit Motor Insurance Kajang
MSIG Commercial Lorry A Permit Motor Insurance Sungai Long
MSIG Commercial Lorry A Permit Motor Insurance Mahkota Cheras
MSIG Commercial Lorry A Permit Motor Insurance Seri Kembangan
MSIG Commercial Lorry A Permit Motor Insurance Kajang
MSIG Commercial Lorry A Permit Motor Insurance KL
Lonpac Commercial Lorry A Permit Motor Insurance Kuala Lumpur Malaysia
Lonpac Commercial Lorry A Permit Motor Insurance Kuala Lumpur
Lonpac Commercial Lorry A Permit Motor Insurance Selangor
Lonpac Commercial Lorry A Permit Motor Insurance Cheras
Lonpac Commercial Lorry A Permit Motor Insurance Ampang
Lonpac Commercial Lorry A Permit Motor Insurance Kampung Pandan
Lonpac Commercial Lorry A Permit Motor Insurance Pandan Jaya
Lonpac Commercial Lorry A Permit Motor Insurance Pandan Perdana
Lonpac Commercial Lorry A Permit Motor Insurance Pandan Indah
Lonpac Commercial Lorry A Permit Motor Insurance Taman Cheras
Lonpac Commercial Lorry A Permit Motor Insurance Taman Pertama Cheras
Lonpac Commercial Lorry A Permit Motor Insurance Taman Segar Cheras
Lonpac Commercial Lorry A Permit Motor Insurance Taman Midah
Lonpac Commercial Lorry A Permit Motor Insurance Bandar Tun Razak
Lonpac Commercial Lorry A Permit Motor Insurance Taman Billion
Lonpac Commercial Lorry A Permit Motor Insurance Taman Mewah
Lonpac Commercial Lorry A Permit Motor Insurance Balakong
Lonpac Commercial Lorry A Permit Motor Insurance Bangsar
Lonpac Commercial Lorry A Permit Motor Insurance Pantai Dalam
Lonpac Commercial Lorry A Permit Motor Insurance Jalan Kelang Lama
Lonpac Commercial Lorry A Permit Motor Insurance Kuchai Lama
Lonpac Commercial Lorry A Permit Motor Insurance Sungai Besi
Lonpac Commercial Lorry A Permit Motor Insurance Puchong
Lonpac Commercial Lorry A Permit Motor Insurance Shah Alam
Lonpac Commercial Lorry A Permit Motor Insurance PJ
Lonpac Commercial Lorry A Permit Motor Insurance Petaling Jaya
Lonpac Commercial Lorry A Permit Motor Insurance Seri Petaling
Lonpac Commercial Lorry A Permit Motor Insurance Desa Petaling
Lonpac Commercial Lorry A Permit Motor Insurance Subang
Lonpac Commercial Lorry A Permit Motor Insurance USJ
Lonpac Commercial Lorry A Permit Motor Insurance Damansara
Lonpac Commercial Lorry A Permit Motor Insurance Kota Damansara
Lonpac Commercial Lorry A Permit Motor Insurance Kepong
Lonpac Commercial Lorry A Permit Motor Insurance Sungai Buluh
Lonpac Commercial Lorry A Permit Motor Insurance Rawang
Lonpac Commercial Lorry A Permit Motor Insurance Jalan Ipoh
Lonpac Commercial Lorry A Permit Motor Insurance Selayang
Lonpac Commercial Lorry A Permit Motor Insurance Gombak
Lonpac Commercial Lorry A Permit Motor Insurance Wangsa Maju
Lonpac Commercial Lorry A Permit Motor Insurance Setapak
Lonpac Commercial Lorry A Permit Motor Insurance Kajang
Lonpac Commercial Lorry A Permit Motor Insurance Sungai Long
Lonpac Commercial Lorry A Permit Motor Insurance Mahkota Cheras
Lonpac Commercial Lorry A Permit Motor Insurance Seri Kembangan
Lonpac Commercial Lorry A Permit Motor Insurance Kajang
Lonpac Commercial Lorry A Permit Motor Insurance KL
Kurnia Commercial Lorry A Permit Motor Insurance Kuala Lumpur Malaysia
Kurnia Commercial Lorry A Permit Motor Insurance Kuala Lumpur
Kurnia Commercial Lorry A Permit Motor Insurance Selangor
Kurnia Commercial Lorry A Permit Motor Insurance Cheras
Kurnia Commercial Lorry A Permit Motor Insurance Ampang
Kurnia Commercial Lorry A Permit Motor Insurance Kampung Pandan
Kurnia Commercial Lorry A Permit Motor Insurance Pandan Jaya
Kurnia Commercial Lorry A Permit Motor Insurance Pandan Perdana
Kurnia Commercial Lorry A Permit Motor Insurance Pandan Indah
Kurnia Commercial Lorry A Permit Motor Insurance Taman Cheras
Kurnia Commercial Lorry A Permit Motor Insurance Taman Pertama Cheras
Kurnia Commercial Lorry A Permit Motor Insurance Taman Segar Cheras
Kurnia Commercial Lorry A Permit Motor Insurance Taman Midah
Kurnia Commercial Lorry A Permit Motor Insurance Bandar Tun Razak
Kurnia Commercial Lorry A Permit Motor Insurance Taman Billion
Kurnia Commercial Lorry A Permit Motor Insurance Taman Mewah
Kurnia Commercial Lorry A Permit Motor Insurance Balakong
Kurnia Commercial Lorry A Permit Motor Insurance Bangsar
Kurnia Commercial Lorry A Permit Motor Insurance Pantai Dalam
Kurnia Commercial Lorry A Permit Motor Insurance Jalan Kelang Lama
Kurnia Commercial Lorry A Permit Motor Insurance Kuchai Lama
Kurnia Commercial Lorry A Permit Motor Insurance Sungai Besi
Kurnia Commercial Lorry A Permit Motor Insurance Puchong
Kurnia Commercial Lorry A Permit Motor Insurance Shah Alam
Kurnia Commercial Lorry A Permit Motor Insurance PJ
Kurnia Commercial Lorry A Permit Motor Insurance Petaling Jaya
Kurnia Commercial Lorry A Permit Motor Insurance Seri Petaling
Kurnia Commercial Lorry A Permit Motor Insurance Desa Petaling
Kurnia Commercial Lorry A Permit Motor Insurance Subang
Kurnia Commercial Lorry A Permit Motor Insurance USJ
Kurnia Commercial Lorry A Permit Motor Insurance Damansara
Kurnia Commercial Lorry A Permit Motor Insurance Kota Damansara
Kurnia Commercial Lorry A Permit Motor Insurance Kepong
Kurnia Commercial Lorry A Permit Motor Insurance Sungai Buluh
Kurnia Commercial Lorry A Permit Motor Insurance Rawang
Kurnia Commercial Lorry A Permit Motor Insurance Jalan Ipoh
Kurnia Commercial Lorry A Permit Motor Insurance Selayang
Kurnia Commercial Lorry A Permit Motor Insurance Gombak
Kurnia Commercial Lorry A Permit Motor Insurance Wangsa Maju
Kurnia Commercial Lorry A Permit Motor Insurance Setapak
Kurnia Commercial Lorry A Permit Motor Insurance Kajang
Kurnia Commercial Lorry A Permit Motor Insurance Sungai Long
Kurnia Commercial Lorry A Permit Motor Insurance Mahkota Cheras
Kurnia Commercial Lorry A Permit Motor Insurance Seri Kembangan
Kurnia Commercial Lorry A Permit Motor Insurance Kajang
Kurnia Commercial Lorry A Permit Motor Insurance KL
Tokio Marine Commercial Lorry A Permit Motor Insurance Kuala Lumpur Malaysia
Tokio Marine Commercial Lorry A Permit Motor Insurance Kuala Lumpur
Tokio Marine Commercial Lorry A Permit Motor Insurance Selangor
Tokio Marine Commercial Lorry A Permit Motor Insurance Cheras
Tokio Marine Commercial Lorry A Permit Motor Insurance Ampang
Tokio Marine Commercial Lorry A Permit Motor Insurance Kampung Pandan
Tokio Marine Commercial Lorry A Permit Motor Insurance Pandan Jaya
Tokio Marine Commercial Lorry A Permit Motor Insurance Pandan Perdana
Tokio Marine Commercial Lorry A Permit Motor Insurance Pandan Indah
Tokio Marine Commercial Lorry A Permit Motor Insurance Taman Cheras
Tokio Marine Commercial Lorry A Permit Motor Insurance Taman Pertama Cheras
Tokio Marine Commercial Lorry A Permit Motor Insurance Taman Segar Cheras
Tokio Marine Commercial Lorry A Permit Motor Insurance Taman Midah
Tokio Marine Commercial Lorry A Permit Motor Insurance Bandar Tun Razak
Tokio Marine Commercial Lorry A Permit Motor Insurance Taman Billion
Tokio Marine Commercial Lorry A Permit Motor Insurance Taman Mewah
Tokio Marine Commercial Lorry A Permit Motor Insurance Balakong
Tokio Marine Commercial Lorry A Permit Motor Insurance Bangsar
Tokio Marine Commercial Lorry A Permit Motor Insurance Pantai Dalam
Tokio Marine Commercial Lorry A Permit Motor Insurance Jalan Kelang Lama
Tokio Marine Commercial Lorry A Permit Motor Insurance Kuchai Lama
Tokio Marine Commercial Lorry A Permit Motor Insurance Sungai Besi
Tokio Marine Commercial Lorry A Permit Motor Insurance Puchong
Tokio Marine Commercial Lorry A Permit Motor Insurance Shah Alam
Tokio Marine Commercial Lorry A Permit Motor Insurance PJ
Tokio Marine Commercial Lorry A Permit Motor Insurance Petaling Jaya
Tokio Marine Commercial Lorry A Permit Motor Insurance Seri Petaling
Tokio Marine Commercial Lorry A Permit Motor Insurance Desa Petaling
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Pacific Commercial Lorry A Permit Motor Insurance Petaling Jaya
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AXA Motor Insurance Cheras Kuala Lumpur Directory
Service Provide By
ACPG Management Sdn Bhd (Insurance Biz since Year 1989)
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323
What is the ACPG Insurer Comprehensive Private Vehicle all about?
This policy will compensate for liabilities to third parties for injury or death, damage to third parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle. Have financial protection for when you or other motorists are reckless on the road!
What are the optional benefits offered?
Some of the optional benefits offered are as follows:
Breakage of glass in windscreen, window or sunroof
Legal Liability to Passengers
Strike, riot and civil commotion
Current year NCD relief
Vehicle accessories
How much premium do I have to pay?
The premium you have to pay may vary depending on the sum insured and cubic capacity of your vehicle, no-claim discount ( NCD) entitlement, optional benefits added, and ACPG Insurer's underwriting requirements.
What are the major exclusions under this policy?
This policy does not cover certain losses such as,:
Your own death or bodily injury due to a motor accident
Your liability against claims from passengers in your vehicle
Loss, damage or liability arising from an act of nature i.e. flood, storm, or landslide and others.
AXA Audi Motor Insurance Cheras Kuala Lumpur
AXA Bentley Motor Insurance Cheras Kuala Lumpur
AXA BMW Motor Insurance Cheras Kuala Lumpur
AXA Citroen Motor Insurance Cheras Kuala Lumpur
AXA Ferrari Motor Insurance Cheras Kuala Lumpur
AXA Ford Motor Insurance Cheras Kuala Lumpur
AXA Honda Motor Insurance Cheras Kuala Lumpur
AXA Jaguar Motor Insurance Cheras Kuala Lumpur
AXA Kia Motor Insurance Cheras Kuala Lumpur
AXA Hyundai Motor Insurance Cheras Kuala Lumpur
AXA Lexus Motor Insurance Cheras Kuala Lumpur
AXA Mazda Motor Insurance Cheras Kuala Lumpur
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AXA Mitsubishi Motor Insurance Cheras Kuala Lumpur
AXA Myvi Motor Insurance Cheras Kuala Lumpur
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AXA Peugeot Motor Insurance Cheras Kuala Lumpur
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AXA Perodua Motor Insurance Cheras Kuala Lumpur
AXA Toyota Motor Insurance Cheras Kuala Lumpur
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AXA Permit A Commercial Motor Insurance Cheras Kuala Lumpur
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Audi AXA Motor Insurance Cheras Kuala Lumpur
Bentley AXA Motor Insurance Cheras Kuala Lumpur
BMW AXA Motor Insurance Cheras Kuala Lumpur
Citroen AXA Motor Insurance Cheras Kuala Lumpur
Ferrari AXA Motor Insurance Cheras Kuala Lumpur
Ford AXA Motor Insurance Cheras Kuala Lumpur
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Jaguar AXA Motor Insurance Cheras Kuala Lumpur
Kia AXA Motor Insurance Cheras Kuala Lumpur
Hyundai AXA Motor Insurance Cheras Kuala Lumpur
Lexus AXA Motor Insurance Cheras Kuala Lumpur
Mazda AXA Motor Insurance Cheras Kuala Lumpur
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Volvo AXA Motor Insurance Cheras Kuala Lumpur
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Special Type Commercial AXA Motor Insurance Cheras Kuala Lumpur
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AXA Commercial Van C Permit Motor Insurance Kuala Lumpur Malaysia
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Billboard Public Liability Insurance and Workmen Compensation Insurance Kuala Lumpur Directory
Malaysia Public Liability insurance
Malaysia Public Liability insurance protects your business against the cost of settling or defending a claim for bodily injury or property damage from a client or member of the public. It's designed to cover you for all the slips, trips and falls that sometimes simply can't be avoided in the workplace or in a professional capacity.
What many people don't realise is that, as a business owner they can be liable for all sorts of accidents both on their business premises and away from them. For example, if you were to damage a client's property in their office a claim could be brought against you.
Likewise, if a member of the public or a client slipped on a wet floor at your business premises and injured themself, you could be held responsible.
Public liability insurance explained
Public liability insurance is designed to protect you against claims made by the public that they have suffered an injury or loss as a result of your business.
Even if you don’t have visitors to your office or home, you could still suffer a public liability claim, for example if you accidentally damage a client’s property in their office. In this scenario, public liability insurance would pay out the cost of compensation to be paid to the individual, as well as the legal fees and expenses involved.
Anyone working for you could also trigger a public liability claim against your business if their actions at work injure a client or member of the public.
Do I need any other kinds of business insurance?
To help protect your business, ACPG can provide small businesses with public liability insurance as a standalone policy or it can be purchased together with our range of business insurance products including ACPG Employers’ Liability Insurance.
How much does ACPG public liability insurance cover me for?
How much you’re covered for in terms of compensation pay-out will depend on the level of cover you choose, and you’ll be covered for up to RM100,000 for any legal feels spent in defending a claim.
If you have employees, employers’ liability insurance is a legal requirement and can be bought as a package with our public liability insurance.
Do I need public liability insurance?
If your business premises are visited by clients, or if your employees regularly work off-site, it may be worth considering public liability cover.
If you work from home, you may assume you don’t need a policy, but this isn’t necessarily the case.
Say, for example, you decide to take a marketing stand at your industry’s big trade show to get some publicity for your firm.
But during the show a bit falls off and injures a passer-by; an embarrassing episode could turn into a costly one if that person decides to sue.
Also, if you visit clients’ premises or have access to their equipment, then it’s worth considering buying public liability cover, because if you inadvertently damage their property you may have to pay the cost of repairing or replacing it.
It could be something as simple as knocking your cappuccino over your client’s new MacBook or one of your employees tripping over in a client’s server room. He brings a stack of expensive computer equipment down as he falls, which might seem like a classic ‘You’ve Been Framed’ moment at the time, but the RM1250 you’d earn from the trip (pardon the pun) wouldn’t begin to cover the cost of a new server, when your client sends you the bill.
What does public liability insurance cover?
A public liability policy covers you and your employees against property damage when working in a client’s home, office or business property.
Under the Injury Cost Recovery Scheme, the NHS is now allowed to reclaim the cost of transporting and treating a patient, in cases where personal injury compensation is paid out. So if your business activities injure a third party, public liability insurance will protect you from the cost of a possible NHS claim.
How much does public liability insurance cost?
How much you pay for cover depends on the size and type of your business, and the level of risk it undertakes. Discuss this with your insurer before you buy your policy in order to assess what level of cover provided is right for your business .
You may find clients expect you to have a minimum level of cover, according to your area or industry. This is often the case for businesses working with the public sector where the minimum requirement is usually between RM 5-10 million.
Is public liability insurance a legal requirement?
Choosing not to purchase public liability insurance will not land you with a jail sentence or a hefty fine.
But having the right insurance can make your business look more professional and offer you peace of mind.
You don’t want to get into a spat with one of your best clients over the consequences of an accident or damage to one of their properties.
Getting a public liability policy means you can let your insurer deal with any problems, while you get on with running your business.
For More Details Public Liability insurance,
Please call +603-92863323 or enquiry@acpgconsultant.com
Click Here For Insurance Quote Enquiry Form Submission
http://acpgconsultant.com/main/3143/index.asp…
Public Liability Insurance Kuala Lumpur Malaysia
Arranged by
ACPG Management Sdn Bhd
Malaysia General Insurance Risk Management Solution Provider since year 1989.
ACPG Careline +603-92863323
enquiry@acpgconsultant.com
www.facebook.com/acpg.management
Billboard Public Liability Insurance and Workmen Compensation Insurance Kuala Lumpur Directory
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In Malaysia, foreign workers are employed in the sectors of manufacturing, construction, plantation, agricultural, services and domestic help such as restaurant, cleaning services, cargo handling, launderette, golf course caddy, barber, wholesale and retail, textile, metal scraps and recycle activities, welfare homes and hotels.
Foreign Workers Insurance Guarantee (FWIG)
Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Malaysian Immigration Department from employers as a security deposit for the employment of foreign workers in Malaysia.
FWIG guarantees to cover repatriation expenses in the event where your foreign worker is required by the authorities to be sent back to his country origin during his stay in Malaysia.
Duration of cover set by the Immigration Department is eighteen (18) months.
A new FWIG is required upon renewing the foreign workers permit. The total premium payable varies depending on the nationality of the foreign worker and ACPG insurer underwriting requirements.
Foreign Workers Compensation Scheme (FWCS)
The Foreign Workers Compensation Scheme (FWCS) protects the welfare and interests of foreign workers in Malaysia.
The scheme pays the compensation benefits to a foreign worker with valid employment document for injuries sustained or death due to an accident arising out of or during his course of employment.
Under Section 26 of the Workmen’s Compensation (Amendment) Act 1996, it is mandatory for Employers to insure all their foreign workers under the FWCS.
Coverage:
Accidental death: RM25,000 (working hours) or RM23,000 (off working hours)
Permanent disablement: Up to RM23,000 (working hours) or RM23,000 (off working hours)
Temporary loss of income due to temporary disablement
Hospitalisation & medical expenses: Up to RM750
Repatriation due to death or permanent disablement: RM4,800
Foreign Workers Hospitalization and Surgical (FWHS or SKHPPA)
The Foreign Workers Hospitalisation and Surgical (FWCS or SKHPPA) is specially designed in view of increasing hospital and surgical costs and to reduce the financial burdens of employers of foreign workers in Malaysia in the event of hospital admission of their foreign workers due to an accident or illness.
FWCS/SKHPPA allows foreign workers a cashless admission into government hospitals under a Third (3rd) Class Room and Board basis but exception is given to cases which require emergency treatment at private hospitals.
Coverage:
Daily hospital room & board: Up to 30 days; Up to RM160 per day
Intensive Care Unit (ICU): Up to 15 days
Hospital supplies and services, operating theatre, surgical fees, anaesthetist fees, ambulance fees / medical report fees
In-hospital physician visits: Up to 30 days
In-hospital specialist consultation visits: Up to 30 days
Maximum overall annual limit: RM20,000
MYEG MSIG Foreign Workers & Maids Insurance Policy
MYEG MSIG Foreign Worker Insurance Guarantee (FWIG)
MYEG MSIG Foreign Worker Compensation Scheme (FWCS)
MYEG MSIG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG MSIG Domestic Servant Insurance Scheme (DSIS)
MYEG MSIG Maids Insurance Scheme (MIS)
MYEG AXA Foreign Workers & Maids Insurance Policy
MYEG AXA Foreign Worker Insurance Guarantee (FWIG)
MYEG AXA Foreign Worker Compensation Scheme (FWCS)
MYEG AXA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG AXA Domestic Servant Insurance Scheme (DSIS)
MYEG AXA Maids Insurance Scheme (MIS)
MYEG AIG Foreign Workers & Maids Insurance Policy
MYEG AIG Foreign Worker Insurance Guarantee (FWIG)
MYEG AIG Foreign Worker Compensation Scheme (FWCS)
MYEG AIG Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG AIG Domestic Servant Insurance Scheme (DSIS)
MYEG AIG Maids Insurance Scheme (MIS)
MYEG ALLIANZ Foreign Workers & Maids Insurance Policy
MYEG ALLIANZ Foreign Worker Insurance Guarantee (FWIG)
MYEG ALLIANZ Foreign Worker Compensation Scheme (FWCS)
MYEG ALLIANZ Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG ALLIANZ Domestic Servant Insurance Scheme (DSIS)
MYEG ALLIANZ Maids Insurance Scheme (MIS)
MYEG LONPAC Foreign Workers & Maids Insurance Policy
MYEG LONPAC Foreign Worker Compensation Scheme (FWCS)
MYEG LONPAC Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG LONPAC Domestic Servant Insurance Scheme (DSIS)
MYEG LONPAC Maids Insurance Scheme (MIS)
MYEG KURNIA Foreign Workers & Maids Insurance Policy
MYEG KURNIA Foreign Worker Insurance Guarantee (FWIG)
MYEG KURNIA Foreign Worker Compensation Scheme (FWCS)
MYEG KURNIA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG KURNIA Domestic Servant Insurance Scheme (DSIS)
MYEG KURNIA Maids Insurance Scheme (MIS)
MYEG TOKIO MARINE Foreign Workers & Maids Insurance Policy
MYEG TOKIO MARINE Foreign Worker Insurance Guarantee (FWIG)
MYEG TOKIO MARINE Foreign Worker Compensation Scheme (FWCS)
MYEG TOKIO MARINE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG TOKIO MARINE Domestic Servant Insurance Scheme (DSIS)
MYEG TOKIO MARINE Maids Insurance Scheme (MIS)
MYEG PACIFIC Foreign Workers & Maids Insurance Policy
MYEG PACIFIC Foreign Worker Insurance Guarantee (FWIG)
MYEG PACIFIC Foreign Worker Compensation Scheme (FWCS)
MYEG PACIFIC Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG PACIFIC Domestic Servant Insurance Scheme (DSIS)
MYEG PACIFIC Maids Insurance Scheme (MIS)
MYEG TAKAFUL MALAYSIA Foreign Workers & Maids Insurance Policy
MYEG TAKAFUL MALAYSIA Foreign Worker Compensation Scheme (FWCS)
MYEG TAKAFUL MALAYSIA Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG TAKAFUL MALAYSIA Domestic Servant Insurance Scheme (DSIS)
MYEG TAKAFUL MALAYSIA Maids Insurance Scheme (MIS)
MYEG AMGENERAL INSURANCE Foreign Workers & Maids Insurance Policy
MYEG AMGENERAL INSURANCE Foreign Worker Insurance Guarantee (FWIG)
MYEG AMGENERAL INSURANCE Foreign Worker Compensation Scheme (FWCS)
MYEG AMGENERAL INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA) MYEG AMGENERAL INSURANCE Domestic Servant Insurance Scheme (DSIS)
MYEG AMGENERAL INSURANCE Maids Insurance Scheme (MIS)
MYEG RHB INSURANCE Foreign Workers & Maids Insurance Policy
MYEG RHB INSURANCE Foreign Worker Insurance Guarantee (FWIG)
MYEG RHB INSURANCE Foreign Worker Compensation Scheme (FWCS)
MYEG RHB INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG RHB INSURANCE Domestic Servant Insurance Scheme (DSIS)
MYEG RHB INSURANCE Maids Insurance Scheme (MIS)
MYEG ETIQA TAKAFUL Foreign Workers & Maids Insurance Policy
MYEG ETIQA TAKAFUL Foreign Worker Insurance Guarantee (FWIG)
MYEG ETIQA TAKAFUL Foreign Worker Compensation Scheme (FWCS)
MYEG ETIQA TAKAFUL Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG ETIQA TAKAFUL Domestic Servant Insurance Scheme (DSIS)
MYEG ETIQA TAKAFUL Maids Insurance Scheme (MIS)
MYEG QBE INSURANCE Foreign Workers & Maids Insurance Policy
MYEG QBE INSURANCE Foreign Worker Insurance Guarantee (FWIG)
MYEG QBE INSURANCE Foreign Worker Compensation Scheme (FWCS)
MYEG QBE INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG QBE INSURANCE Domestic Servant Insurance Scheme (DSIS) MYEG QBE INSURANCE Maids Insurance Scheme (MIS)
MYEG UNI ASIA GENERAL INSURANCE Foreign Workers & Maids Insurance Policy
MYEG UNI ASIA GENERAL INSURANCE Foreign Worker Insurance Guarantee (FWIG)
MYEG UNI ASIA GENERAL INSURANCE Foreign Worker Compensation Scheme (FWCS)
MYEG UNI ASIA GENERAL INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA) MYEG UNI ASIA GENERAL INSURANCE Domestic Servant Insurance Scheme (DSIS)
MYEG UNI ASIA GENERAL INSURANCE Maids Insurance Scheme (MIS)
MYEG ZURICH Foreign Workers & Maids Insurance Policy
MYEG ZURICH Foreign Worker Insurance Guarantee (FWIG)
MYEG ZURICH Foreign Worker Compensation Scheme (FWCS)
MYEG ZURICH Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG ZURICH Domestic Servant Insurance Scheme (DSIS)
MYEG ZURICH Maids Insurance Scheme (MIS)
MYEG BERJAYA SOMPO INSURANCE Foreign Workers & Maids Insurance Policy
MYEG BERJAYA SOMPO INSURANCE Foreign Worker Insurance Guarantee (FWIG)
MYEG BERJAYA SOMPO INSURANCE Foreign Worker Compensation Scheme (FWCS)
MYEG BERJAYA SOMPO INSURANCE Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG BERJAYA SOMPO INSURANCE Domestic Servant Insurance Scheme (DSIS)
MYEG BERJAYA SOMPO INSURANCE Maids Insurance Scheme (MIS)
MYEG ACE JERNEH Foreign Workers & Maids Insurance Policy
MYEG ACE JERNEH Foreign Worker Insurance Guarantee (FWIG)
MYEG ACE JERNEH Foreign Worker Compensation Scheme (FWCS)
MYEG ACE JERNEH Foreign Worker Hospitalisation and Surgical Insurance Scheme (SKHPPA)
MYEG ACE JERNEH Domestic Servant Insurance Scheme (DSIS)
MYEG ACE JERNEH Maids Insurance Scheme (MIS)
MYEG MSIG Insurans Jaminan Pekerja Asing (FWIG)
MYEG MSIG Skim Pampasan Pekerja Asing (FWCS)
MYEG MSIG Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG MSIG Skim Insurans Pembantu Rumah
MYEG AXA Insurans Jaminan Pekerja Asing (FWIG)
MYEG AXA Skim Pampasan Pekerja Asing (FWCS)
MYEG AXA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG AXA Skim Insurans Pembantu Rumah
MYEG AIG Insurans Jaminan Pekerja Asing (FWIG)
MYEG AIG Skim Pampasan Pekerja Asing (FWCS)
MYEG AIG Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG AIG Skim Insurans Pembantu Rumah
MYEG ALLIANZ Insurans Jaminan Pekerja Asing (FWIG)
MYEG ALLIANZ Skim Pampasan Pekerja Asing (FWCS)
MYEG ALLIANZ Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG ALLIANZ Skim Insurans Pembantu Rumah
MYEG LONPAC Insurans Jaminan Pekerja Asing (FWIG)
MYEG LONPAC Skim Pampasan Pekerja Asing (FWCS)
MYEG LONPAC Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG LONPAC Skim Insurans Pembantu Rumah
MYEG LONPAC Foreign Worker Insurance Guarantee (FWIG)
MYEG KURNIA Insurans Jaminan Pekerja Asing (FWIG)
MYEG KURNIA Skim Pampasan Pekerja Asing (FWCS)
MYEG KURNIA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG KURNIA Skim Insurans Pembantu Rumah
MYEG TOKIO MARINE Insurans Jaminan Pekerja Asing (FWIG)
MYEG TOKIO MARINE Skim Pampasan Pekerja Asing (FWCS)
MYEG TOKIO MARINE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG TOKIO MARINE Skim Insurans Pembantu Rumah
MYEG PACIFIC Insurans Jaminan Pekerja Asing (FWIG)
MYEG PACIFIC Skim Pampasan Pekerja Asing (FWCS)
MYEG PACIFIC Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG PACIFIC Skim Insurans Pembantu Rumah
MYEG TAKAFUL MALAYSIA Insurans Jaminan Pekerja Asing (FWIG)
MYEG TAKAFUL MALAYSIA Skim Pampasan Pekerja Asing (FWCS)
MYEG TAKAFUL MALAYSIA Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG TAKAFUL MALAYSIA Skim Insurans Pembantu Rumah
MYEG TAKAFUL MALAYSIA Foreign Worker Insurance Guarantee (FWIG)
MYEG AMGENERAL INSURANCE Insurans Jaminan Pekerja Asing (FWIG)
MYEG AMGENERAL INSURANCE Skim Pampasan Pekerja Asing (FWCS)
MYEG AMGENERAL INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG AMGENERAL INSURANCE Skim Insurans Pembantu Rumah
MYEG RHB INSURANCE Insurans Jaminan Pekerja Asing (FWIG)
MYEG RHB INSURANCE Skim Pampasan Pekerja Asing (FWCS)
MYEG RHB INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG RHB INSURANCE Skim Insurans Pembantu Rumah
MYEG ETIQA TAKAFUL Insurans Jaminan Pekerja Asing (FWIG)
MYEG ETIQA TAKAFUL Skim Pampasan Pekerja Asing (FWCS)
MYEG ETIQA TAKAFUL Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG ETIQA TAKAFUL Skim Insurans Pembantu Rumah
MYEG QBE INSURANCE Insurans Jaminan Pekerja Asing (FWIG)
MYEG QBE INSURANCE Skim Pampasan Pekerja Asing (FWCS)
MYEG QBE INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG QBE INSURANCE Skim Insurans Pembantu Rumah
MYEG UNI ASIA GENERAL INSURANCE Insurans Jaminan Pekerja Asing (FWIG)
MYEG UNI ASIA GENERAL INSURANCE Skim Pampasan Pekerja Asing (FWCS)
MYEG UNI ASIA GENERAL INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG UNI ASIA GENERAL INSURANCE Skim Insurans Pembantu Rumah
MYEG ZURICH Insurans Jaminan Pekerja Asing (FWIG)
MYEG ZURICH Skim Pampasan Pekerja Asing (FWCS)
MYEG ZURICH Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG ZURICH Skim Insurans Pembantu Rumah
MYEG BERJAYA SOMPO INSURANCE Insurans Jaminan Pekerja Asing (FWIG)
MYEG BERJAYA SOMPO INSURANCE Skim Pampasan Pekerja Asing (FWCS)
MYEG BERJAYA SOMPO INSURANCE Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA) MYEG BERJAYA SOMPO INSURANCE Skim Insurans Pembantu Rumah
MYEG ACE JERNEH Insurans Jaminan Pekerja Asing (FWIG)
MYEG ACE JERNEH Skim Pampasan Pekerja Asing (FWCS)
MYEG ACE JERNEH Skim Kemasukan Hospital dan Pembedahan Pekerja Asing (SKHPPA)
MYEG ACE JERNEH Skim Insurans Pembantu Rumah
Contractor All Risk Insurance (CAR),
Erection All Risk Insurance (EAR)
Public Liability Insurance (PL)
Workmens Compensation Insurance (WC)
Foreign Workers Compensation Scheme Insurance
Construction & Engineering Insurance
Construction Insurance
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Construction Insurances Explained - Malaysia Contractors' All Risks (CAR) Insurance and Malaysia Erection All Risk Insurance (EAR)
What is 'Contractors' All Risks (CAR) Insurance and Erection All Risk Insurance (EAR) ?
Contractors' All Risks (CAR),Erection All Risk Insurance (EAR) insurance is an insurance policy that provides coverage for both damage to a property and third-party injury or damage claims. Contractors' all risk (CAR) ,Erection All Risk Insurance (EAR) insurance policies are considered non-standard insurance policies.
Construction projects typically involve two primary types of risk: damage to the property, and third-party claims of injury or damage.
Damage to the property could include the structure not being properly constructed, or receiving damage during a renovation. Third-parties, including subcontractors, may become injured while working at the construction site.
Contractors' all risk (CAR) insurance, Erection All Risk Insurance (EAR) bridges these two risks into a common policy, and helps cover the gap between exclusions that would otherwise exist when using separate policies.
BREAKING DOWN 'Contractors' All Risks (CAR) Insurance, Erection All Risk Insurance (EAR)
CAR and EAR insurance is typically taken out jointly by both the contractor and the employer, with other parties such as financing companies having the option of being named to the policy. Because multiple parties are included in the policy they each retain the right to file a claim against the insurer, although all parties also have the duty of informing the insurer of any injuries and damages that may result in a claim.
The goal of using a CAR & EAR insurance policy is to ensure that all parties are covered on a project, regardless of the type of damage to the property or who caused the damage. Insurers who underwrite this type of policy lose the right to subrogation, meaning that if it pays out funds to one party in the contract then it cannot seek to recover those funds from another party in the contract.
For example, if the owner of a large building and the contractor working on the building are on the same CAR & EAR policy, any costs of damage to the building caused by the contractor can be recovered by the building owner when a claim is filed. The insurer, however, cannot seek to recover funds from the contractor.
Risks often covered under a CAR & EAR policy include fire, flood, wind, earthquakes, water damage and mold, construction faults, and negligence. They typically do not cover normal wear and tear, willful negligence, or poor workmanship.
Malaysia Contractors' All Risks (CAR) Insurance, Malaysia Erection All Risk Insurance (EAR) Definition
Construction Insurances Explained – Contractors’ All Risks Insurance, Erection All Risk Insurance (EAR)
Contractors’ All Risks Insurance (CAR), Erection All Risk Insurance (EAR)
There are several terms used in the insurance world that mean different things to different people and one of these is Contractors’ all risks (CAR) insurance and Erection All Risk Insurance (EAR).
The term is sometimes used to refer to both the material damage and liability covers required by a Contractor.
Most insurance practitioners would regard CAR and EAR as referring only to the material damage cover on the contract works unless the real intention was obvious from the rest of the text.
Anyone using the term, whether verbally or in writing, should make their intention clear, so as to avoid any ambiguity in interpretation.
CAR and EAR covers what is stated within the actual insurance policy for which the premium is paid. The Employer has the opportunity to specify his requirements as to what is to be included within the CAR and EAR within the contract if the Contractor is responsible for the provision of such insurance alternatively the Employer specifies the cover within the policy he takes out where the Contractor is not obligated to provide insurance under the Contract.
A CAR & EAR policy provides insurance coverage when the Works being constructed, as defined in the Contract, are damaged by an insured peril and require replacing and/or repairing. It is normal for the Contract to stipulate who will provide this cover.
If it were the Contractor then it would be normal for them to take out a specific policy to cover the project or alternatively if available to them add it to a policy covering all their contracts up to a specific limit. In the event the responsibility should fall upon the Employer then cover would normally be under a policy arranged specifically for that project.
When arranging the CAR and EAR coverage for a project it is essential that care be taken in identifying the correct Contract Value, Construction Period, Defects Liability Period and Description of the Works.
The policy will normally cover any physical loss or damage unless the cause is specifically excluded, thus the term ‘All-Risks’ whilst commonly used, is to some extent, misleading. Nevertheless the cover is very wide and embraces protection against fire, aircraft, explosion, earthquake, riot, malicious damage, storm, flood, burst pipes, impact and other accidental damage.
However, CAR and EAR policies can be issued covering loss or damage by particular and specified perils, e.g. fire, flood, storm. In both cases the policy should generally be extended to provide protection in respect of damage by terrorists where such is commercially available.
In addition material damage to the Works or the machinery being erected CAR and EAR generally includes coverage for third-party liability for bodily injury and property damage to the surrounding properties.
The policy can in some circumstances be extended to include consequential losses or losses due to delay in start-up following loss or damage under material damage section.
This cover is also called advanced loss of profit.
Either way it is imperative that the parties fully understand what exclusions apply or which perils are listed to ensure that the cover gives sufficient protection to the Employer and the Contractor.
The Sum to be insured under CAR and EAR should be adequately calculated and must include at least the Contract Value, value of Contractors’ plant and machinery, value of Employers existing property, estimated cost of debris removal, value of all temporary facilities, tax and an allowance for inflation.
In addition it is wise to make sure that on site as well as offsite storage facilities are included under the policy together with the value of any free issue materials where the Employer transfers the risk to the Contractor under the Contract.
The policy should always be in the joint names of the Employer and Contractor although the Contract may stipulate that the Bank or Financing institutions are also named in the policy, depending upon their specific requirements for providing project financing.
Joint names insurance is where two or more parties (for example the Employer and the Contractor) are jointly insured under a single policy.
Each party has legal rights under the policy and can claim against the insurer, but the insurer has no right of subrogation against the other insured party.
It is important to remember that each party is bound by the normal rules, and to avoid any difficulties each should individually comply with the duties of disclosure and notification.
Having an interest noted on a policy is very different and is rarely an acceptable substitute for a joint names policy.
A third-party is not a party to the contract of insurance, and thus cannot claim against the insurer. Similarly, it does not prevent the insurer from exercising rights of subrogation against the third-party.
PAM, IEM, FIDIC and generally most standard forms of contract contain fairly detailed provisions for property and liability insurance. Generic amendments to these insurance provisions are not normally essential, however, discreet changes may be required depending on the nature of a specific project (for example, amending the definition of joint names insurance policy to include the project funders, or to reconcile the standard provisions with a project insurance policy taken out by the Employer).
All CAR adn EAR policies will have an excess that will be deducted from any claim settlement. On occasions insurers will apply more than one excess under a policy for specific losses where a certain risk warrants such and additional excess being imposed.
In addition generally most policies include exclusions for which extensions of CAR and EAR coverage maybe granted or included within the CAR and EAE coverage of the CAR and EAR policy may be extended to cover such as:
(A) professional fees;
(B) automatic reinstatement of the policy limit following a loss;
(C) debris removal;
(D) free issue materials;
(E) discovery of munitions of war;
(F) inflation clause;
(G) plans and documents;
(H) others.
Individual insurance providers specialising in this class of insurance will also have their own list of extensions that they will negotiate with insurers. As an example you may refer to the example provided which is so provided as an example and these will vary depending upon the general insurance market at the time the CAR and EAR insurance is taken out by the insuring party.
In addition the parties need to consider if the CAR and EAR policy is to cover the respective party’s to the Contract for:
Additional cost of construction of un-built works in the event of
(A) Inflationary Costs
(B) Out of sequence working
(C) Defective design, materials and workmanship
(D) Extended defective condition exclusion
(E) Limited defective condition exclusion
(F) Design improvement exclusion
It is understood that various legal challenges are currently on-going as to the validity of these clauses and therefore whilst the description of coverage above may not reflect the current or future legal interpretation. As with all contractual documentation it is recommended that all parties seek professional advice in respect of these risks.
It should be noted here that if the Contractor arranges CAR and EAR cover it may restrict or even remove the ability of the Employer to purchase any consequential loss coverage.
Construction Insurances Explained – Public Liability Insurance
Malaysia Public Liability Insurance
Public Liability Insurance
Typical public liability insurance will provide indemnity in respect of liability at law for damages arising from accidental injury to third parties (not employees) or accidental damage to third-party property arising in connection with the project. It may also cover liability for damages arising out of any nuisance or trespass committed by the insured and any rights (such as a right of way) with which the insured may accidentally interfere in the course of the development. Other elements of cover normally provided include defence of claims costs, the use of plant on the site and legal defence costs in respect of prosecutions brought under the Health and Safety legislation.
Many insurance providers now exclude claims arising from sources they regard as particularly hazardous, such as terrorism, asbestos, gradual pollution, mould, e-commerce transactions and, potentially, financial loss where there has been no ‘injury or damage’ as defined in the policy. Insurers may restrict their liability for particular risks by imposing inner limits much smaller than the overall policy limit.
Public liability insurance coverage may be arranged on an annual basis with a specific limit being the maximum amount payable in the event of any one claim or series of claims arising from one occurrence. It is normal for this limit to apply in respect of any one claim but some limits do apply to all claims in the period of insurance.
There may be a limit on any one claim and then a separate aggregate limit. Sometimes there are elements of cover that insurers may be particularly concerned about, e.g. sudden and accidental pollution may be subject to lower limits of liability and/or separate aggregates.
Whatever type is issued, it is the insured party or parties that decide on the level of cover to be purchased dependent upon the risk exposure arising from the work being undertaken. When deciding upon the limits to be purchased it is best not to rely on any figure requested within a contract document, as this is normally the minimum amount required.
The policy will normally be subject to an excess that will be deducted from the total amount claimed and may apply only in respect of claims for property damage or in respect of all claims.
Every party on site with a potential liability to the public will require an insurance policy. Additional responsibilities for each party will also be set out in the contract. It is traditional and still common for the Contractor to arrange a cover on behalf of the Employer.
However, it has to be asked if this is in the best interests of everyone, whether the Employer who may find he has only nominal cover or a claimant who may find they are passed from one insurer to another if there are different policies in different names. One option is to effect a project policy arranged by the Employer.
The parties protected by the policy will vary according to the Employer’s requirements and the nature of the contract forms being adopted. The indemnity can apply to the Employer only or together with the Contractor, his subcontractors and tradesmen. In addition there may be freeholders, superior landlords, financiers plus professional consultants and suppliers (on site exposures only) to be added to the list of insured. The policy should set out the names of all insured and specify in which policy covers they have an insurable interest.
Public liability insurance is not a cheap insurance and if one party does arrange cover in two or more names the cost of this and the potential savings to the other names should to be reflected in tender prices.
It is important for the Employer to decide responsibilities for placing public liability insurance before contracts are signed, rather than just follow the provisions of the basic contract conditions.
Whoever is making the decision as to who must arrange the cover must consider all those who may need to be protected.
Malaysia Workmens Compensation Insurance
Workmen Compensation Insurance
Innovative and cost-effective solutions for your business
No matter what type of business your company is involved in or how much care your employees take in the workplace, accidents can still happen.
ACPG Insurers is a leading provider of financial protection against liability for workplace injuries.
Our international experience enables us to provide innovative and cost-effective solutions to our clients. Benefits for our clients include:
fully integrated approach to claims management ability to remain nimble and flexible to the emerging needs of customers online solutions that provide you with the tools to act faster
self-insurance services.
ACPG Insurers Workmen’s Compensation Insurance provides cover against all sums for which the Insured shall be liable to pay in compensation to any employee for personal injury sustained either by accident or disease arising out of and in the course of their employment under Common Law. Or under the following legislation (including all subsequent amendments to these enactments and ordinances):
LAWS
Workmen's Compensation Ordinance 1952
Workmen's Compensation (Amendment) Ordinance 1956
Workmen's Compensation (Amendment) Ordinance 1976
Modification of Laws (Workmen's Compensation) Extension and Modification Ordinance 1981
Employers’ Liability
The Employers’ Liability Insurance policy provides cover for an employer against liability for the damages and claimant’s costs and expenses in respect of bodily injury or disease sustained by any person under a contract of service or apprenticeship.
Foreign Workers Compensation Scheme Insurance
The benefit of this cover is that it insures death and bodily injury as a result of work place accident or occupational disease arising out of and in the course of employment, inclusive of journey to and from work such as:
Death
Permanent disablement
Permanent total disablement
Permanent partial disablement
Temporary total disablement
Medical expenses
Repatriation expenses
Personal accident
Malaysia Construction & Engineering Insurance
Essential cover against sudden or unforeseen losses
Engineering and construction projects often involve huge capital investments and therefore required specialised risk mitigation.
ACPG Insurers Construction & Engineering Insurance will help protect your investments against loss or damage to your engineering or construction projects. We have the specialist expertise to provide comprehensive financial protection against many areas of risks, including work in progress or material damage of your project and also liability from third-party claims resulting from engineering and construction works.
Our flexible approach allows policies to be tailored to your specific needs. Our competitive terms appeal to customers of all sizes, from owner builders to principals of major civil engineering projects.
ACPG Insurers provides cover for:
Contractors’ All Risks
Civil Engineering Completed Risks
Erection All Risks
Boiler and pressure vessel
Electronic equipment
Machinery breakdown
Machinery breakdown loss of profit
Storage tank
Special perils
Contractor All Risk Insurance in Malaysia (CAR)
AIG Malaysia Contractor All Risk Insurance
Allianz Malaysia Contractor All Risk Insurance
Ace Jerneh Malaysia Contractor All Risk Insurance
AXA Malaysia Contractor All Risk Insurance
AMGeneral Malaysia Contractor All Risk Insurance
Berjaya Sampo Malaysia Contractor All Risk Insurance
CHUBB Malaysia Contractor All Risk Insurance
Danajamin Malaysia Contractor All Risk Insurance
Etiqa Malaysia Contractor All Risk Insurance
Kurnia Malaysia Contractor All Risk Insurance
Liberty Malaysia Contractor All Risk Insurance
Lonpac Malaysia Contractor All Risk Insurance
MSIG Malaysia Contractor All Risk Insurance
MPI Malaysia Contractor All Risk Insurance
P&O Malaysia Contractor All Risk Insurance
OAC Malaysia Contractor All Risk Insurance
RHB Malaysia Contractor All Risk Insurance
QBE Malaysia Contractor All Risk Insurance
Takaful Malaysia Contractor All Risk Insurance
Tokio Marine Malaysia Contractor All Risk Insurance
The Pacific Malaysia Contractor All Risk Insurance
Tune Malaysia Contractor All Risk Insurance
Zurich Malaysia Contractor All Risk Insurance
Erection All Risk Insurance in Malaysia (EAR)
AIG Malaysia Erection All Risk Insurance
Allianz Malaysia Erection All Risk Insurance
Ace Jerneh Malaysia Erection All Risk Insurance
AXA Malaysia Erection All Risk Insurance
AMGeneral Malaysia Erection All Risk Insurance
Berjaya Sampo Malaysia Erection All Risk Insurance
CHUBB Malaysia Erection All Risk Insurance
Danajamin Malaysia Erection All Risk Insurance
Etiqa Malaysia Erection All Risk Insurance
Kurnia Malaysia Erection All Risk Insurance
Liberty Malaysia Erection All Risk Insurance
Lonpac Malaysia Erection All Risk Insurance
MSIG Malaysia Erection All Risk Insurance
MPI Malaysia Erection All Risk Insurance
P&O Malaysia Erection All Risk Insurance
OAC Malaysia Erection All Risk Insurance
RHB Malaysia Erection All Risk Insurance
QBE Malaysia Erection All Risk Insurance
Takaful Malaysia Erection All Risk Insurance
Tokio Marine Malaysia Erection All Risk Insurance
The Pacific Malaysia Erection All Risk Insurance
Tune Malaysia Erection All Risk Insurance
Zurich Malaysia Erection All Risk Insurance
Public Liability Insurance in Malaysia (PL)
AIG Malaysia Public liability Insurance
Allianz Malaysia Public liability Insurance
Ace Jerneh Malaysia Public liability Insurance
AXA Malaysia Public liability Insurance
AMGeneral Malaysia Public liability Insurance
Berjaya Sampo Malaysia Public liability Insurance
CHUBB Malaysia Public liability Insurance
Danajamin Malaysia Public liability Insurance
Etiqa Malaysia Public liability Insurance
Kurnia Malaysia Public liability Insurance
Liberty Malaysia Public liability Insurance
Lonpac Malaysia Public liability Insurance
MSIG Malaysia Public liability Insurance
MPI Malaysia Public liability Insurance
P&O Malaysia Public liability Insurance
OAC Malaysia Public liability Insurance
RHB Malaysia Public liability Insurance
QBE Malaysia Public liability Insurance
Takaful Malaysia Public liability Insurance
Tokio Marine Malaysia Public liability Insurance
The Pacific Malaysia Public liability Insurance
Tune Malaysia Public liability Insurance
Zurich Malaysia Public liability Insurance
Workmens Compensation Insurance in Malaysia (WC)
AIG Malaysia Workmens Compensation Insurance
Allianz Malaysia Workmens Compensation Insurance
Ace Jerneh Malaysia Workmens Compensation Insurance
AXA Malaysia Workmens Compensation Insurance
AMGeneral Malaysia Workmens Compensation Insurance
Berjaya Sampo Malaysia Workmens Compensation Insurance
CHUBB Malaysia Workmens Compensation Insurance
Danajamin Malaysia Workmens Compensation Insurance
Etiqa Malaysia Workmens Compensation Insurance
Kurnia Malaysia Workmens Compensation Insurance
Liberty Malaysia Workmens Compensation Insurance
Lonpac Malaysia Workmens Compensation Insurance
MSIG Malaysia Workmens Compensation Insurance
MPI Malaysia Workmens Compensation Insurance
P&O Malaysia Workmens Compensation Insurance
OAC Malaysia Workmens Compensation Insurance
RHB Malaysia Workmens Compensation Insurance
QBE Malaysia Workmens Compensation Insurance
Takaful Malaysia Workmens Compensation Insurance
Tokio Marine Malaysia Workmens Compensation Insurance
The Pacific Malaysia Workmens Compensation Insurance
Tune Malaysia Workmens Compensation Insurance
Zurich Malaysia Workmens Compensation Insurance
Construction & Engineering Insurance in Malaysia
AIG Malaysia Construction & Engineering Insurance
Allianz Malaysia Construction & Engineering Insurance
Ace Jerneh Malaysia Construction & Engineering Insurance
AXA Malaysia Construction & Engineering Insurance
AMGeneral Malaysia Construction & Engineering Insurance
Berjaya Sampo Malaysia Construction & Engineering Insurance
CHUBB Malaysia Construction & Engineering Insurance
Danajamin Malaysia Construction & Engineering Insurance
Etiqa Malaysia Construction & Engineering Insurance
Kurnia Malaysia Construction & Engineering Insurance
Liberty Malaysia Construction & Engineering Insurance
Lonpac Malaysia Construction & Engineering Insurance
MSIG Malaysia Construction & Engineering Insurance
MPI Malaysia Construction & Engineering Insurance
P&O Malaysia Construction & Engineering Insurance
OAC Malaysia Construction & Engineering Insurance
RHB Malaysia Construction & Engineering Insurance
QBE Malaysia Construction & Engineering Insurance
Takaful Malaysia Construction & Engineering Insurance
Tokio Marine Malaysia Construction & Engineering Insurance
The Pacific Malaysia Construction & Engineering Insurance
Tune Malaysia Construction & Engineering Insurance
Zurich Malaysia Construction & Engineering Insurance
Construction Insurance in Malaysia
AIG Malaysia Construction Insurance
Allianz Malaysia Construction Insurance
Ace Jerneh Malaysia Construction Insurance
AXA Malaysia Construction Insurance
AMGeneral Malaysia Construction Insurance
Berjaya Sampo Malaysia Construction Insurance
CHUBB Malaysia Construction Insurance
Danajamin Malaysia Construction Insurance
Etiqa Malaysia Construction Insurance
Kurnia Malaysia Construction Insurance
Liberty Malaysia Construction Insurance
Lonpac Malaysia Construction Insurance
MSIG Malaysia Construction Insurance
MPI Malaysia Construction Insurance
P&O Malaysia Construction Insurance
OAC Malaysia Construction Insurance
RHB Malaysia Construction Insurance
QBE Malaysia Construction Insurance
Takaful Malaysia Construction Insurance
Tokio Marine Malaysia Construction Insurance
The Pacific Malaysia Construction Insurance
Tune Malaysia Construction Insurance
Zurich Malaysia Construction Insurance
Foreign Worker Insurance in Malaysia
AIG Malaysia Foreign worker Insurance
Allianz Malaysia Foreign worker Insurance
Ace Jerneh Malaysia Foreign worker Insurance
AXA Malaysia Foreign worker Insurance
AMGeneral Malaysia Foreign worker Insurance
Berjaya Sampo Malaysia Foreign worker Insurance
CHUBB Malaysia Foreign worker Insurance
Danajamin Malaysia Foreign worker Insurance
Etiqa Malaysia Foreign worker Insurance
Kurnia Malaysia Foreign worker Insurance
Liberty Malaysia Foreign worker Insurance
Lonpac Malaysia Foreign worker Insurance
MSIG Malaysia Foreign worker Insurance
MPI Malaysia Foreign worker Insurance
P&O Malaysia Foreign worker Insurance
OAC Malaysia Foreign worker Insurance
RHB Malaysia Foreign worker Insurance
QBE Malaysia Foreign worker Insurance
Takaful Malaysia Foreign worker Insurance
Tokio Marine Malaysia Foreign worker Insurance
The Pacific Malaysia Foreign worker Insurance
Tune Malaysia Foreign worker Insurance
Zurich Malaysia Foreign worker Insurance
Malaysia General Insurance Company Listing
AIG Malaysia Insurance Berhad
AXA Affin General Insurance Berhad
Allianz General Insurance Company (Malaysia) Berhad
AmGeneral Insurance Berhad
Berjaya Sompo Insurance Berhad
Chubb Insurance Malaysia Berhad
Danajamin Nasional Berhad
Liberty Insurance Berhad
Lonpac Insurance Berhad
MPI Generali Insurans Berhad
MSIG Insurance (Malaysia) Bhd
Overseas Assurance Corporation (Malaysia) Berhad
Pacific & Orient Insurance Co. Berhad
Pacific Insurance Berhad, The
Progressive Insurance Berhad
QBE Insurance (Malaysia) Berhad
RHB Insurance Berhad
Tokio Marine Insurans (Malaysia) Berhad
Tune Insurance Malaysia Berhad
Malaysia Insurance Corporate Agency
ACPG Management Sdn Bhd (Insurance Biz since Year 1989)
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
+603-92863323, +6011-12239838
AXA Motor Insurance Arranged By ACPG Management Sdn Bhd Head Office 158-3-7, Blok 158, Kompleks Maluri, Jalan Jejaka, Taman Maluri, Cheras, 55100 Kuala Lumpur, Malaysia. http://www.acpgconsultant.com enquiry@acpgconsultant.com +603-92863323, +6011-12239838 AXA Car Insurance Kuala Lumpur Malaysia AXA Affin car insurance is one of the leading products in motor insurance and has a host of benefits and advantages. It also has very clear and transparent policy. The insurance can be applied for online leaving you with no hassles and worry-free driving experience.AXA Motor Insurance Ampang
AXA Motor Insurance Ampang Jaya
AXA Motor Insurance Alam Damai
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AXA Motor Insurance Bandar Baru Ampang
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AXA Motor Insurance Kajang
AXA Motor Insurance Kampung Cheras Baru
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AXA Motor Insurance Kuala Lumpur
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AXA Motor Insurance Kuchai Lama
AXA Motor Insurance Lembah Beringin
AXA Motor Insurance Maluri
AXA Motor Insurance Miharja
AXA Motor Insurance Mutiara Damansara
AXA Motor Insurance OUG
AXA Motor Insurance Pandan Jaya
AXA Motor Insurance Pandan Perdana
AXA Motor Insurance Pandan Indah
AXA Motor Insurance Petaling Jaya
AXA Motor Insurance Port Klang
AXA Motor Insurance Puchong
AXA Motor Insurance Pudu
AXA Motor Insurance Putrajaya
AXA Motor Insurance Rawang
AXA Motor Insurance Salak South
AXA Motor Insurance Sea Park
AXA Motor Insurance Selangor
AXA Motor Insurance Selayang
AXA Motor Insurance Semenyih
AXA Motor Insurance Segambut
AXA Motor Insurance Sepang
AXA Motor Insurance Setapak
AXA Motor Insurance Setia Alam
AXA Motor Insurance Setiawangsa
AXA Motor Insurance Sentul
AXA Motor Insurance Seri Kembangan
AXA Motor Insurance Sri Hartamas
AXA Motor Insurance Sri Petalibg
AXA Motor Insurance SS2
AXA Motor Insurance Subang
AXA Motor Insurance Sungai Besi
AXA Motor Insurance Sungai Long
AXA Motor Insurance Sungai Buluh
AXA Motor Insurance Shah Alam
AXA Motor Insurance Subang Jaya
AXA Motor Insurance Shah Alam
AXA Motor Insurance Sungai Besi
AXA Motor Insurance Taman bukit Ampang
AXA Motor Insurance Taman Bukit Maluri
AXA Motor Insurance Taman Bukit Kepong
AXA Motor Insurance Taman Bukit Teratai
AXA Motor Insurance Taman Cheras
AXA Motor Insurance Taman Cheras Indah
AXA Motor Insurance Taman Cheras Hartamas
AXA Motor Insurance Taman Connaught
AXA Motor Insurance Taman Desa
AXA Motor Insurance Taman Duta
AXA Motor Insurance Taman Gembira
AXA Motor Insurance Taman Kepong
AXA Motor Insurance Taman Klang Utama
AXA Motor Insurance Taman Lembah Maju
AXA Motor Insurance Taman Len Seng
AXA Motor Insurance Taman Maju Jaya
AXA Motor Insurance Taman Maluri
AXA Motor Insurance Taman Mayang
AXA Motor Insurance Taman Muda
AXA Motor Insurance Taman Midah
AXA Motor Insurance Taman Melati
AXA Motor Insurance Taman Melawati
AXA Motor Insurance Taman Pertama
AXA Motor Insurance Taman Petaling Utama
AXA Motor Insurance Taman Puchong Utama
AXA Motor Insurance Taman Putra
AXA Motor Insurance Taman Putra Perdana
AXA Motor Insurance Taman Shamelin Perkasa
AXA Motor Insurance Taman Seraya
AXA Motor Insurance Taman Sentosa
AXA Motor Insurance Taman Selayang
AXA Motor Insurance Taman Seri Gombak
AXA Motor Insurance Taman Sri Muda
AXA Motor Insurance Taman Sri Sentosa
AXA Motor Insurance Taman Sri Sinar
AXA Motor Insurance Taman Wangsa Permai
AXA Motor Insurance Titiwangsa
AXA Motor Insurance Seri Serdang
AXA Motor Insurance Taman Tun Dr Ismail
AXA Motor Insurance Tun Hussein Onn
AXA Motor Insurance Ulu Kelang
AXA Motor Insurance USJ
AXA Motor Insurance Wangsa Maju
AXA Motor insurance Cheras Office Address: AXA Motor Insurance Kuala Lumpur Malaysia Online Renewal Arranged By ACPG Management Sdn Bhd Head Office 158-3-7, Blok 158, Kompleks Maluri, Jalan Jejaka, Taman Maluri, Cheras, 55100 Kuala Lumpur, Malaysia. http://www.acpgconsultant.com enquiry@acpgconsultant.com +603-92863323, +6011-12239838Kurnia Motor Insurance Arranged By ACPG Management Sdn Bhd Head Office 158-3-7, Blok 158, Kompleks Maluri, Jalan Jejaka, Taman Maluri, Cheras, 55100 Kuala Lumpur, Malaysia. http://www.acpgconsultant.com enquiry@acpgconsultant.com +603-92863323, +6011-12239838 Kurnia Car Insurance Kuala Lumpur Malaysia Kurnia Asia Berhad was incorporated in the year 2001 as private limited company and converted into a public limited company in the year 2002. KAB is the company that owns Kurnia Insurance Malaysia.Engineering Insurance Malaysia
Construction Insurance Malaysia
Contractors' All Risks Insurance Malaysia
Erection All Risks Insurance Malaysia
Public Liability Insurance Malaysia
Workmen Compensation Insurance Malaysia
Foreign Worker Insurance Malaysia
Arranged By
ACPG Management Sdn Bhd
+603-92863323, +6011-12239838
Construction Insurance Malaysia
A proven leader in the construction industry, ACPG Insurers delivers integrated property & casualty and specialized insurance solutions which are tailored to construction risks from:
Residential and Commercial Projects
Civil Engineering Projects such as pipelines, dams, roads and rail
Power and Energy Projects of all sizes
Petrochemical and Industrial plants
Our unique industry practice group provides clients with a comprehensive spectrum of products including Project Cargo, Casualty, Surety, Environmental and Project Professional Indemnity.
Whether you’re a Principal, Property Developer, Main Contractor, we will work collaboratively with you and your broker to help develop seamless and effective risk management solutions.
OUR STRENGTHS
By working with ACPG Insurers Construction Industry Practice, you will benefit from our strengths which encompass:
Local knowledge backed by global capability
Comprehensive suite of services
Experienced underwriting team
Dedicated Construction Risk Engineers
Superior Claims Handling and Administration
Consultative approach to loss prevention and mitigation
Tailor-made programs backed by client-centric service
Broad coverage
Long-term focus on client relationships
PRODUCT RANGE
ACPG Insurers Construction Industry Practice offers a range of products and services including:
Contract Works
Delay in Start Up
General Liability
Umbrella/Excess Casualty Covers
Project Professional Liability
Environmental Pollution Liability
Contract Surety
Construction Risk Management Services
Marine Cargo including DSU
Directors & Officers Liability
Terrorism
Construction All Risks – Builder Risk
Contractors, property developers and principals will all benefit from this insurance, which provides both single risk project cover and annual polices. It is available on a standalone basis but can also be packaged with excess casualty (GL), employers’ liability or environmental impairment liability.
PRODUCT HIGHLIGHTS
ACPG Insurers have a strong track record of leading the insurance of large and complicated project contracts
ACPG Insurers are recognised technical expertise in the sector
Our expertise in claims handling and investigation is widely acknowledged
ACPG Insurers seek to develop long-term relationships with clients
COVER
Our standard cover includes contract materials and/or works.
Cover can be extended to include:
Contractors’ plant and equipment
Delay in start up
Non-negligent liabilities
Public liability
Construction All Risks – Civil Engineering
This insurance provides contractors involved in hydro projects, motorways, railways and pipelines with annual cover or single risk project cover.
PRODUCT HIGHLIGHTS
ACPG Insurers have a strong track record of leading the insurance of large and complicated project contracts
ACPG Insurers are recognised technical expertise in the sector
ACPG Insurers seek to develop long-term relationships with clients
COVER
Our standard cover includes:
Consequences of design
Extended maintenance
Natural catastrophes
Property damage only
Primary third party liability
Cover can be extended to include:
Delay in start up
Full design
Erection all Risks
ACPG Insurers Erection All Risks (EAR) insurance includes the erection and installation of electrical or mechanical plant and machinery.
It’s ideal for mechanical and electrical contractors looking for annual contract cover or developers, manufacturers, power and energy companies involved in large and complex installations.
Our target areas include construction of power plants, oil and gas facilities and other heavy industries such as steel, aluminium and cement, as well as traditional light engineering projects such as bottling plants and pharmaceuticals.
PRODUCT HIGHLIGHTS
Experience in writing many types of risks from standard installation contracts to large scale power and energy plants
A strong track record of leading the insurance of large and complex project contracts
The capacity to cover contracts in many overseas territories
Highly experienced risk engineers who can assist in risk management and risk reduction, as well as ensure that standards are maintained during the erection and installation works to help reduce losses
COVER
Our standard EAR cover is for the erection and / or installation of electrical or mechanical plant and machinery globally.
It can also cover losses during the testing and commissioning prior to hand-over and damage during the contractual maintenance period.
Cover can be provided for movement and re-erection of machinery along with testing, commissioning and maintenance of installed machinery.
An ‘all-risks’ cover that includes breakdown and explosion during testing and commissioning.
Available on contracts overseas subject to some territorial and environmental peril limitations.
The standard insurance offers cover for defective design under the wording and damage to installed equipment during maintenance visits. This can be extended to give wider defective design cover and either extended or ‘full’ or guarantee maintenance.
Comprehensive General Liability (CGL) Insurance
To meet the needs of casualty insurance clients it takes underwriting skill, risk engineering expertise and superior claims handling. These are key strengths of ACPG Insurers.
ACPG Insurers has a broad appetite for risk and provides public and product liability to medium, large, and multinational businesses on a domestic and international basis.
BENEFITS
Flexible policies which can be tailored to client needs
Highly experienced and dedicated casualty underwriters
Cover is available for North American exports and domiciled companies
Casualty Engineers with specialist expertise
Multinational capabilities
Proven global claims handling capabilities
Foreign Workers Insurance
Employees are a company's greatest asset therefore it is essential for an employer to get their employees protected.
Being one of the approved panel insurance companies to provide foreign workers insurance, ACPG Insurers has three products designed to provide financial relief for the employer in the event of death, hospitalization or repatriation of their foreign workers.
Foreign Workers Compensation Scheme (FWCS)
As provided under Section 26(2) of the Workmen’s Compensation Act 1952, it is mandatory for every employer to insure all their foreign workers employed by the company under the Foreign Workers Compensation Scheme (FWCS).
ACPG Insurers is one of the panel insurance companies appointed and approved by the Ministry of Human Resources to underwrite FWCS. The scheme provides foreign workers with personal accident and repatriation benefits during and outside of working hours.
COVERAGE
Foreign workers who are under the employment of the insured company will enjoy coverage that include
Death and disability due to an accident
Disease arising out of and in the course of employment
Medical expenses
Repatriation expenses
Foreign Workers Hospitalization & Surgical Scheme (FWHS)
Effective 1 January 2011, all foreign workers in Malaysia are required to purchase a RM120 premium per year
Foreign Workers Hospitalization & Surgical Scheme (FWCS) that provides RM20,000 annual coverage.
ACPG Insurers is one of the panel insurance companies appointed and approved by the Ministry of Health (MOH) to underwrite the FWHS.
BENEFITS
Under the insurance policy, foreign workers will enjoy benefits that include
Daily hospital and room board of up to a maximum of 30 days
Intensive care unit (ICU) of up to a maximum of 15 days
Operating theatre fees
Surgical fees
Anaesthetist fees
In-hospital physician visits of up to a maximum of 30 days
In-hospital specialist consultation visits of up to a maximum of 30 days
Ambulance fees
Medical report fees
Foreign Workers Insurance Guarantee (FWIG)
Foreign Workers Insurance Guarantee (FWIG) is a guarantee required by the Immigration Department from the employer as a security deposit for the employment of foreign workers (excluding Domestic Maid) under Regulation 21 of the Immigration Regulations.
This insurance serves as a guarantee to the Immigration Department to cover the repatriation expenses in the event the foreign worker is required by the authorities to be sent back to his/her country of origin during his/her course of stay in Malaysia.
The circumstances could arise from:-
Breach of Immigration Act
Foreign worker is caught involving in illegal and illicit activities such as drug, immoral work, etc.
Employer goes into liquidation and is unable to provide the return passage for the foreign worker
Engineering Insurance Malaysia
Protect your business against unforeseen events or disruption. Select from our range of commercial insurance products to protect your business, goods, employees, etc. Our team of knowledgeable, experienced and dedicated staff is always on hand to provide insurance solutions for all your business needs.
Contractors' All Risks insurance Malaysia
Contractors' All Risks insurance is designed to provide coverage for all parties involved in a construction project.
There are usually two main groups of named insured. They are the Principal and the Contractor(s). The Principal is the party who commissions the work. The principal will usually be the party who owns the building when completed. The contractor is responsible for the planning and execution of the contract works. Where nominated sub-contractors or other sub-contractors are engaged, they can be included under the policy.
There are two sections in this Policy:
Section I: Material Damage
This Section provides cover for loss or damage to the contract works caused by any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded.
Section II: Third Party Liability
This Section provides indemnity for the insured’s legal liability for accidental bodily injury or property damage to third parties occurring in direct connection with the contract works.
For more sophisticated operations, you would require a specially customised insurance program that offers maximum protection and flexibility. We ACPG team of professional staff is well versed to provide you with all the necessary guidance and advice.
Erection All Risks Insurance Malaysia
Erection All Risks Insurance is designed to provide coverage for the installation and erection of ready-built engineering projects such as machinery, equipment or other fittings in factories.
There are two sections to this Policy:
Section I: Material Damage
This Section provides cover for loss or damage to the contract works caused by any unforeseen and sudden physical loss or damage from any cause, other than those specifically excluded.
Section II: Third Party Liability
This Section provides indemnity for the insured’s legal liability for accidental bodily injury or property damage to third parties occurring in direct connection with the erection works.
For more sophisticated operations, you would require a specially customised insurance program that offers maximum protection and flexibility.
Our team of professional staff is well versed to provide you with all the necessary guidance and advice.
Public Liability Insurance Malaysia
With increasing awareness of consumers, enterprises are exposed to a myriad of legal liabilities arising from accidents due to acts of negligence of its employees or representatives in the course of business.
Business prudence requires that protection against such contingents cannot be compromised.
With Public Liability insurance, you have the assurance that compensation for claims from third parties for injury or damage to their property including claimants’ costs are taken care of.
Commercial and Business Insurance
Arranged By
ACPG Management Sdn Bhd
Business Insurance
Commercial All Risks
Commercial Motor Vehicles
Equipment All Risks
Fidelity Guarantee
Group Hospitalization
Group Personal Accident
Money
Office and Shop Insurance Scheme (OASIS)
Plate Glass
Engineering
Boiler & Pressure Vessel
Contractors’ All Risks
Deterioration of Stock
Electronic Equipment
Erection All Risks
Machinery Breakdown
Machinery Breakdown – Loss of Profits
Machinery & Equipment
Storage Tank Installation
Foreign Worker Insurance
Foreign Worker Insurance Guarantee
Foreign Worker Compensation Scheme (FWCS)
Foreign Worker Hospitalization & Surgical Insurance Scheme (SKHPPA)
Liability
Comprehensive General Liability
Directors & Officers Liability
Products Liability
Professional Indemnity
Public Liability
Warehousemen’s Liability
Marine
Bailee Liability
Credit Insurance
Marine Hull
Marine Inland Transit
Workmen
Employer’s Liability
Workmen’s Compensation
ACPG Management Sdn Bhd
Head Office
158-3-7, Blok 158, Kompleks Maluri,
Jalan Jejaka, Taman Maluri, Cheras,
55100 Kuala Lumpur, Malaysia.
enquiry@acpgconsultant.com
+603-92863323, +6011-12239838
