FREQUENTLY ASKED QUESTIONS

Renew your car insurance online with VICare.
Protect your car with this comprehensive plan that covers your car against damage and theft.

AUTO INSURANCE

What are the benefits covered under my comprehensive Motor Insurance?
A. Loss or Damage to your vehicle.

We will cover you if your vehicle is damaged or lost due to the following circumstances;

  • a) by accidental collision or overturning
  • b) by collision or overturning caused by mechanical breakdown
  • c) by collision or overturning caused by wear and tear
  • d) by impact damage caused by falling objects but provided not due to no flood, typhoon hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved
  • e) by fire explosion or lightning
  • f) by burglary, housebreaking or theft but we will not cover loss of or damage to accessories (or any part thereof) and/or loss of or damage to any part(s) of your vehicle unless your vehicle is stolen at the same time
  • g) by malicious act
  • h) when in transit (including its loading and unloading) by:
  • road
  • rail (trains)
  • inland waterway (ferry)
  • direct sea route across the straits between the island of Penang and the mainland.
B. Liability to Third Parties

We will cover you and your authorised drivers for legal liability payment of;

  • a. death or bodily injury to any person except those specifically excluded under this policy.
  • b. damage to property except those specifically excluded under this policy.
In which territory is my car covered?
How is the sum insured of my vehicle determined?
What is the minimum and maximum sum insured amount I can take up on my policy?
Can I reduce the sum insured below market value?
What is the maximum vehicle age for comprehensive insurance?
Why is the car insurance compulsory?
Car insurance is compulsory for every car owner because it covers the liability you will have to pay to the third party in the event of an accidental death, bodily injury or damages to the car. Besides that, it is compulsory to have at least a Third Party plan in Malaysia to be able to renew your annual road tax.
What is the difference between cat insurance and personal accident insurance?
What does car insurance normally cover?
What does car insurance normally not cover?
What type of car insurance are available?
What are the factors that will affect the car insurance premium?
What is No Claim Discount (NCD)?
When can I cancel my car insurance policy?
Car insurance helps protect a car from unprecedented hazards. It is a contract between the car owner and an insurance company that helps the owner minimize the costs incurred in the event of an accident that damages the car and Third Party Damages. In return for the premium that the car owner pays, the insurance company reimburses the costs of repairs and assures in terms of third party loses. As per the law, it is mandatory for cars plying public roads to have a valid Third Party car insurance in place..
Think of comprehensive insurance as an exhaustive cover against damages arising out of your own fault and even when it’s not. law, it is mandatory for cars plying public roads to have a valid Third Party car insurance in place.
Third-party Liability insurance covers damages inflicted on others as a result of your fault..