Private Car
Insurance
Insuran Kenderaan Pesendirian
汽车-私家车保险
Who is eligible to drive on Malaysian roads?谁有资格在马来西亚道路上开车?
If you’re wondering what age can you drive in Malaysia, the driving age in Malaysia is 17 so you need to be 17 or over with a full license to be the legal age to drive in Malaysia.
Driving in Malaysia with foreign license is fine if it is in the roman alphabet (such as using an Australian or UK driving license in Malaysia). Otherwise, you need an international license. I often get asked about using a Singapore driving licence in Malaysia, which you can do for visiting purposes.
You need to be 23 to hire a car (exact ages will depend on car rental company) and had your license for at least a year. Some companies will only hire to people under 65. Taking a car rental drive to Malaysia from surrounding countries (like Singapore) depends on the rental companies’ policies.
You need to drive on the left side (right-hand drive vehicle)
Seat belts are mandatory
Mobiles can only be used with a hands-free system while driving
You should have your driving license, registration and insurance papers with you at all times while driving
The speed limit is generally 110km/h on highways and 50-60km/h in towns and cities.
如果您想知道在马来西亚可以开车的年龄是多少岁,马来西亚的驾驶年龄是 17 岁,因此您需要年满 17 岁或以上并持有正式驾照才能达到在马来西亚开车的法定年龄。
持有外国驾照在马来西亚驾驶是可以的,如果它是罗马字母(例如在马来西亚使用澳大利亚或英国驾驶执照)。
否则,您需要国际许可证。 我经常被问及在马来西亚使用新加坡驾驶执照的问题,您可以出于访问目的这样做。
您需要年满 23 岁才能租车(具体年龄取决于汽车租赁公司)并且持有驾照至少一年。
有些公司只雇用 65 岁以下的人。从周边国家(如新加坡)租车前往马来西亚取决于租车公司的政策。
您需要靠左侧行驶(右驾车辆)
安全带是强制性的手机只能在驾驶时使用免提系统驾驶时,您应始终随身携带驾驶执照、登记证和保险文件
高速公路限速一般为110km/h,城镇限速为50-60km/h。
Siapa yang layak memandu di jalan raya Malaysia?
Jika anda tertanya-tanya berapa umur anda boleh memandu di Malaysia, umur memandu di Malaysia ialah 17 tahun jadi anda perlu berumur 17 tahun atau lebih dengan lesen penuh untuk menjadi umur yang sah untuk memandu di Malaysia.
Memandu di Malaysia dengan lesen asing adalah baik jika ia dalam abjad rumi (seperti menggunakan lesen memandu Australia atau UK di Malaysia). Jika tidak, anda memerlukan lesen antarabangsa. Saya sering ditanya tentang menggunakan lesen memandu Singapura di Malaysia, yang boleh anda lakukan untuk tujuan lawatan.
Anda perlu berumur 23 tahun untuk menyewa kereta (umur tepat bergantung pada syarikat penyewaan kereta) dan mempunyai lesen anda sekurang-kurangnya setahun. Sesetengah syarikat hanya akan menyewa kepada mereka yang berumur di bawah 65 tahun. Memandu kereta sewa ke Malaysia dari negara sekitar (seperti Singapura) bergantung pada polisi syarikat penyewaan.
Anda perlu memandu di sebelah kiri (kenderaan pandu sebelah kanan)
Tali pinggang keledar adalah wajib
Mudah alih hanya boleh digunakan dengan sistem bebas tangan semasa memandu
Anda harus mempunyai lesen memandu, pendaftaran dan kertas insurans dengan anda pada setiap masa semasa memandu
Had laju biasanya 110km/j di lebuh raya dan 50-60km/j di pekan dan bandar.
What is the law that governs Malaysian Road Use? 管理马来西亚道路使用的法律是什么?
Malaysian Road Transport Act 333
Apakah undang-undang yang mengawal Penggunaan Jalan Raya Malaysia?
Malaysian Road Transport Act 333
When do you need Motor insurance Cover? 您什么时候需要汽车保险?
In Malaysia, motor insurance is a necessity and requirement by law when you purchase a vehicle as it’s a way to protect you as a car owner. There are various types of car insurance in Malaysia and you also have the option to get additional protection from the inclusion of special perils coverage to windscreen protection.
在马来西亚,当您购买车辆时,汽车保险是法律的必需品和要求,因为它是保护您作为车主的一种方式。 马来西亚有多种类型的汽车保险,您还可以选择获得额外的保护,包括特殊风险保险和挡风玻璃保护。
Bilakah anda perlu Perlindungan Insurans Motor?
Syarikat Insurans Am yang dilesenkan oleh Bank Negara Malaysia (Bank Negara Malaysia)
Pengantara Insurans Am Lesen PIAM (Ejen)
Why do all Malaysian cars need motor insurance? 为什么所有马来西亚汽车都需要汽车保险?
Motor insurance is a legally binding contract that will provide protection to the driver in the event of any financial loss incurred resulting from damage or theft of the driver’s vehicle in exchange for a small premium. Motor insurance is a compulsory requirement for all vehicles traveling on Malaysian roads.
汽车保险是一份具有法律约束力的合同,如果因驾驶员车辆损坏或被盗而造成任何经济损失,它将为驾驶员提供保护,以换取少量保费。 汽车保险是所有在马来西亚道路上行驶的车辆的强制性要求。
Mengapa semua kenderaan Malaysia memerlukan insurans bermotor?
Insurans motor ialah kontrak yang mengikat undang-undang yang akan memberi perlindungan kepada pemandu sekiranya berlaku sebarang kerugian kewangan akibat kerosakan atau kecurian kenderaan pemandu sebagai pertukaran untuk premium yang kecil. Insurans motor adalah keperluan wajib untuk semua kenderaan yang melalui jalan raya Malaysia.
How to choose a motor insurance policy that fits your need? 如何选择适合您需要的汽车保险单?
Bagaimana untuk memilih polisi insuran motor yang sesuai dengan keperluan anda?
e-Hailing Insurance (Grab, Uber, Lalamove etc) passenger taking
https://piam.org.my/e-hailing-insurance/
Our Capacity: AXA-Affin, MPI Generali, Allianz General, Liberty Insurance, Lonpac (Outsource)
我们的能力:AXA-Affin、MPI Generali、Allianz General、Liberty Insurance、Lonpac(外包)
Insurans e-Hailing (Grab, Uber, Lalamove dll) pengambilan penumpang
https://piam.org.my/e-hailing-insurance/
Kapasiti Kami:: AXA-Affin, MPI Generali, Allianz General, Liberty Insurance, Lonpac (Sumber Luar)
HOW IS THE SUM INSURED OF MY VEHICLES IS DETERMINED?
For new vehicle (new registration)
Sum insured will be based on the purchase price of the vehicle. A copy of the sales/purchase invoice is required for our verification.
For vehicles that are more than 1 year
Sum insured will be based on the current market value on our valuation system.
BAGAIMANAKAH JUMLAH DIINSURANSKAN KENDERAAN SAYA DITENTUKAN?
Untuk kenderaan baru (pendaftaran baru)
Jumlah diinsuranskan adalah berdasarkan harga pembelian kenderaan. Salinan invois jualan/pembelian diperlukan untuk pengesahan kami.
Bagi kenderaan yang melebihi 1 tahun
Jumlah diinsuranskan akan berdasarkan nilai pasaran semasa pada sistem penilaian kami.
Policy At Your Finger Tips/ Road tax delivers up to your doorstep
Please upload your data to me at: SPA WHATSAPP
For Motor Insurance NCD Confirmation:-
1) Vehicle Registration Number
2) Current Policy Schedule
3) Full name in IC/ID No:
Polisi Di Hujung Jari Anda / Cukai jalan diserah ke alamat anda
Untuk pengesahan NCD kenderaan:-
1) Vehicle Registration Number
2) Current Policy Schedule
3) Full name in IC/ID No
Key Benefits (Manfaat Utama)-Axa Affin SmartDrive Safe (MA40208) Agency Rep
This Policy covers:
A. Loss or damage to Your own car due to accidental fire, theft or accident.
B. Your liability or Your authorized drivers liability to third parties for:
Bodily injury and death; and
Property loss or damage.
Key Benefits (Manfaat Utama) _Chubb Ins_My Car Insurance (X2138AHQ) Agency Rep
Cover for accidental loss or damage to the vehicle
Cover for liability to third party
24 hours towing and minor repair service
Temporary replacement car and hotel accommodation benefit
Home burglary cash relief benefit
Full body paint service
Cleaning service
Handbag and wallet guard
Flood coverage
Perlindungan untuk kehilangan atau kerosakan pada kenderaan secara tidak sengaja
Perlindungan untuk liabiliti kepada pihak ketiga
Perkhidmatan tunda dan pembaikan kecil 24 jam
Manfaat kereta gantian sementara dan penginapan hotel
Faedah pelepasan tunai pecah rumah
Servis cat seluruh badan
Servis pembersihan
Pelindung beg tangan dan dompet
Liputan banjir
Additional Benefits-Axa Affin_SmartDrive Safe
Additional Benefits
▪ Towing Benefits up to 200km
▪ Key Care
▪ Flood Relief Allowance
▪ All Drivers
▪ Microtag
Additional Benefits _Chubb Ins_My Car Insurance
Optional Benefits-Axa Affin_SmartDrive Safe
▪ Breakage of glass in windscreen, window or sunroof
▪ Passenger liability cover
▪ Damage arising from flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip or sinking of the soil/earth or other convulsion of nature
▪ Strike, riot and civil commotion
▪ Compensation for Assessed Repair Time
▪ Current year NCD relief
▪ Vehicle accessories (Multimedia Player, Rooftop/Canopy)
▪ Waiver of Betterment
▪ Limited Cover for Special Perils
Optional Benefits _Chubb Ins_My Car Insurance
▪ Breakage of glass in windscreen, window or sunroof
▪ Passenger liability cover
▪ Damage arising from flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip or sinking of the soil/earth or other convulsion of nature
▪ Strike, riot and civil commotion
▪ Compensation for Assessed Repair Time
▪ Current year NCD relief
▪ Vehicle accessories (Multimedia Player, Rooftop/Canopy)
▪ Waiver of Betterment
▪ Limited Cover for Special Perils
Generali Insurance(AXA Affin)'s Windscreen for Accident Replacement/ Repair
Chubb's Windscreen for Accident Replacement/ Repair
AXA Affin's Panel Workshops (Accident Repair)
Chubb's Panel Workshops for Accident Repair
IS THERE A LIMIT TO NUMBER OF BREAKDOWNS OR ACCIDENTS FOR FREE TOWING?
There’s no limit to number of incidents and breakdown or accidents within 30km during period of insurance.
IS THERE A LIMIT TO NUMBER OF BREAKDOWNS OR ACCIDENTS FOR FREE TOWING?
Breakdown Towing Unlimited and Minor repair Service (My Car Insurance) Standard/Deluxe Comprehensive
WHAT IS THE DIFFERENCE BETWEEN MARKET VALUE AND AGREED VALUE?
APAKAH PERBEZAAN ANTARA NILAI PASARAN DAN NILAI YANG DIPERSETUJUI?
In the event of a total loss, the Market Value (MV) represents the market value of the car at the time of the claim, while Agreed Value (AV) is the fixed value of the car as agreed by both you and the insurer until the next policy renewal date.
Sekiranya berlaku jumlah kerugian, Nilai Pasaran (MV) mewakili nilai pasaran kereta pada masa tuntutan, manakala Nilai Disetujui (AV) ialah nilai tetap kereta seperti yang dipersetujui oleh anda dan syarikat insurans sehingga tarikh pembaharuan polisi seterusnya.
WHAT IS THE DIFFERENCE BETWEEN MARKET VALUE AND AGREED VALUE?
APAKAH PERBEZAAN ANTARA NILAI PASARAN DAN NILAI YANG DIPERSETUJUI?
In the event of a total loss, the Market Value (MV) represents the market value of the car at the time of the claim, while Agreed Value (AV) is the fixed value of the car as agreed by both you and the insurer until the next policy renewal date.
Sekiranya berlaku jumlah kerugian, Nilai Pasaran (MV) mewakili nilai pasaran kereta pada masa tuntutan, manakala Nilai Disetujui (AV) ialah nilai tetap kereta seperti yang dipersetujui oleh anda dan syarikat insurans sehingga tarikh pembaharuan polisi seterusnya.
(MA40208) MPI GENERALI (AXA AFF. GEN. INS) Agency Rep (PDS)
(X2138AHQ) Chubb Insurance Malaysia Berhad's agency rep (PDS)
OUR system Quotation / Sistem Sebutharga KAMI/ 我们的报价系
1. Locate Us - Panel Hospital Windscreen Workshop Workshop Chubb Insurance Policyholders
Chubb Insurance
Generali Insurance (AXA-Affin General Insurance) Policyholders
3. Locate Us - Panel Hospital Windscreen Workshop Workshop Agents
Generali Insurance (AXA-Affin General Insurance)
2. Locate Us - Panel Hospital Windscreen Workshop Workshop Liberty Insurance
Liberty Insurance