Type of Insurance Coverage
There are 3 types of Insurance coverage, read below to get to know them.
COMPREHENSIVE COVER (OR COMMONLY CALLED FIRST PARTY)
This policy provides the widest coverage, i.e. third party bodily injury and death,
third party property loss or damage and loss or damage to your own vehicle due to accidental fire, theft or an accident.
THIRD PARTY, FIRE AND THEFT COVER
This policy provides insurance against claims for third party bodily injury and death,
third party property loss or damage, and loss or damage to your own vehicle due to accidental fire or theft.
THIRD PARTY COVER
This policy insures you against claims for bodily injuries or deaths caused to other persons (known as the third party), as well as loss or damage to third party property caused by your vehicle.
Insurance Benefits
Below is the list of coverage planned for you and your cars. In the event of an unfortunate event like an accident or total theft, we have you covered with what you deserve.
Cover 100% of the recommended sum insured for vehicles aged up to 15 years in the event of Total Loss or Theft claim.
You will not be charged for any replacement of new parts cost for vehicles aged up to 7 years.
Towing assistance up to RM300 per event to the nearest authorised workshop.
Free labour costs up to 2 hours per event for minor repairs (jump start or battery replacement, change of flat tyre and refill fuel). Any parts costs incurred shall be borne by customers.
Genuine parts replacement are warrantable for 90 days or 5,000km, whichever comes first. Paintwork comes with 12 months warranty.
Express approval for damage claim less than RM10,000.
In the event of a medical emergency, we will arrange for medical assistance through an ambulance or other transportation to the nearest medical centre.
In the event of emergency, upon request from a customer, we shall endeavor to contact your family and keep them informed of your whereabouts.
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We are ready to assist you from claim submission until claim approval by the insurance company.
Note: The Insurance Benefits are subject to certain terms and conditions. For full information, kindly visit our website
https://www.tcibs.com.my
Add-On Protection
We offer additional coverage on top of your existing comprehensive motor insurance policy. Think of it as an additional layer of protection, read-on!
A named driver is someone who is authorised by Insured to drive a vehicle. When driving that vehicle, the named driver will have the same level of cover as the main driver. 
You never know when rocks at the pavement decide to take a hit at you. This extension covers the accidental breakage of your windscreen / windows. This will not affect your vehicle's NCD in the event of a replacement claim. 
There are many environmental issues these days. This covers damage to your vehicle due to flood, windstorm, typhoon, volcanic eruption, earthquake, landslide or subsidence (Classified as Acts of God) will be covered as per the sum insured stated in the comprehensive motor insurance policy.
In this day and age where most topics can trigger someone causing a commotion, it's best to protect your vehicle. This coverage protects damage to your vehicle due to a strike, riot, and civil commotion. This is an additional coverage as an extension of your basic comprehensive motor insurance.
This provides full coverage for the insured driver in the event legal action is taken against him/her by the passenger(s) due to any bodily injury that was caused due to the negligence of the driver. Please be aware that vehicles that are to be driven into Singapore would be required to have this coverage.
This coverage is extended to the legal liability of passenger(s) in the event the passenger(s) of the insured vehicle caused any injury/damage to the property of the 3rd party. This covers bodily injury claims and claims of property damage of up to RM3 million - subject to individual policy terms and conditions signed when purchasing the insurance. This coverage is not applicable to commercial vehicles.
Provides essential coverage against accidental injuries. With it, you can get reimbursed for medical expenses resulting from accidents, hospitalization benefits that help pay for alternative treatments, and (should accidental death occur) a lump sum payout.
