Optimum Auto Detailing - Premium Car Detailing To Your Door Step

Brand Feature #8 (www.optiautodetail.com)

Many would question, whether it is necessary to buy travel insurance as it is an additional expense to a trip. However, there are times when unexpected incident arises during your travel, be it business trip or a vacation and this is where Travel Insurance will provide assistance in times of need.

Besides covering inconveniences such as loss of luggage and flight delay or cancellation, travel insurance is essential to protect yourself from the high cost of medical care overseas, and for getting help in a foreign country.

MSIG offers a comprehensive travel insurance plan that protects you and your family throughout your journey. It provides a 24-hour worldwide travel assistance hotline which you can call for information and advice, in times of need.

Benefits at glance

• Additional Plan 2 with higher benefit limits
• Extra Covers for Travel Inconvenience
• Unauthorised use of credit or debit card following robbery or theft
• Missed events due to Travel Delay
• Rental car excess if the car is damaged or stolen
• Extensive Personal Accident Cover
• Covers accidental Death & Permanent Total Disablement
• Attractive Medical and Related Benefits
• Covers illness and injury whilst travelling overseas. Covers include alternative medicine, hospital income and follow-up medical treatment in Malaysia
• Emergency Medical Evacuation, repatriation, burial and cremation expenses are covered
• 24-hour Worldwide Travel Assistance Hotline: +603-7965 3930
• No UPPER age limit
• Flexible plans for overseas travel
• Covers both business and leisure trips
• Covers hijacking and terrorism

…and many more.

Therefore, it is important that you read, understand and check the terms and conditions of a travel insurance policy before you purchase, to ensure you and your loved ones are adequately protected during your travel journey.

Click here to learn more about MSIG TravelRight Plus Insurance*:

Brochure: http://www.msig.com.my/MSIG_EnhancedTravelRightPlusIns_BrochurewithPDS.pdf

Website: www.msig.com.my

* Terms and conditions apply.

Brand Feature #7 (www.optiautodetail.com)

Many drivers assume that their standard motor comprehensive insurance provides coverage when they are in e-hailing mode. However, this is not the case and the drivers will be at great risk of substantial financial losses if they have an accident while carrying passengers, not only from damage and injuries caused by the accident itself, but also from potential legal action by passengers if they sue the driver.

Introducing MSIG E-Hail E-Zee, a motor insurance add-on that all e-hailing drivers need. It supplements comprehensive protection by providing coverage when the vehicle is used for carrying e-hailing (fare-paying) passenger(s).

E-Hail E-Zee protects car, driver and passenger when in e-hailing mode:

• Personal accident cover for the driver
• Damage to your own car, third party property and third party bodily injury
• Legal liability to passengers – if they sue you for the accident
• Legal liability of passengers – damage or accident to third party caused by the passenger(s).

E-Hail E-Zee allows for mid-term inclusion to your current MSIG Motor Comprehensive policy.

In addition, MSIG Motor Comprehensive policyholders with E-Hail E-Zee Motor Add-On will also continue to enjoy the value-added services of the Motor Assist programme for vehicle breakdowns or accidents

Learn more about MSIG E-Hail E-Zee by clicking the following links:

Youtube: https://www.youtube.com/watch?v=o6nPQRCruw4

Product leaflet: http://www.msig.com.my/MSIGE-HailE-ZeeMotorAdd-OnLeaflet.pdf

Website: www.msig.com.my

*For Comprehensive Private Car only. Terms and conditions apply.

Most comprehensive motor insurance policies include towing up to RM200 for accidents, whilst towing for
vehicle breakdown may be provided by complimentary motor assistance programmes that may come with the policy. However, the towing services provided is often limited in terms of towing distance or the equivalent monetary value. For example, the towing of your vehicle to the nearest workshop or your home is free of charge only up to a certain distance. You will be required to pay the charge for the distance beyond the prescribed towing limit. This expense is often unforeseen by most vehicle users.

MSIG now offers 24-Hour Unlimited Towing Service as an optional Add-On to the MSIG Comprehensive Motor Policy that will be beneficial to those who travel on the road frequently, for both short and long distances. The Add-On provides towing for accident or breakdown for an unlimited distance within Malaysia, and a prescribed towing distance from neighbouring countries, up to six (6) times per year. At an affordable premium, the 24-Hour Unlimited Towing Service Motor Add-On provides you with invaluable peace of mind that you will not be left stranded or bear a hefty towing bill when the unexpected occurs on the road.*For

Here is an example to show how the 24-Hour Unlimited Towing Service Motor Add-On works:
Eddie lives in Johor and his vehicle is insured with MSIG. He is a salesperson who has to frequently meet with customers in different states within Peninsular Malaysia. Unfortunately, he met with an anccident while he was in Terengganu and contacted MSIG Motor Assist to tow his vehicle back to a panel repairer in Johor.

With an affordable premium of RM30 for MSIG 24-Hour Unlimited Towing Service Motor Add-On, Eddie does not need to pay for the towing service charges incurred from Terengganu to Johor.
^^ Toll charges are included in the service up to RM20.00 per round trip.

If you would like to know more about MSIG 24-Hour Unlimited Towing Service or other optional Motor Add-Ons, please contact your MSIG Insurance Adviser or visit http://www.msig.com.my.

*For Comprehensive Private Car only. Terms and conditions apply.

What does Excess means in Motor Insurance?

Excess simply refers to the amount of loss that you have to bear before the insurance company pays for the balance of your own damage claim.

What about Compulsory Excess?

Compulsory Excess, is an additional excess or a fixed amount (RM400) that policyholder has to pay in the event of a claim if at the time of the accident, the policyholder or the person driving the policyholder’s car with his/her consent:

➢ is under 21 years old,

➢ holds a provisional (P) or Learner (L) driver’s licence, or

➢ is not named in the Policy Schedule as a named driver.

MSIG now offers Waiver of Compulsory Excess Motor Add-On, that will help remove the financial burden of having the Compulsory Excess deducted from your final claims payout.

*For

If you would like to know more about MSIG Waiver of Compulsory Excess or other optional Motor Add-Ons, please contact your MSIG Insurance Adviser or visit www.msig.com.my.

*For Comprehensive Private Car only. Terms and conditions apply.

Brand Feature #4 (www.optiautodetail.com)

A comprehensive motor insurance policy typically covers the repair cost of an accident. However, what most policyholders do not know is that for older cars (5 years and above), in the event of an accident and if new original spare parts are used in the car repairs, the car is deemed to be better than before. As such, policyholders will be expected to contribute to a part of a costs of the new original spare parts used. This is known as a “betterment” charge and the scale of contribution is stated in terms and conditions of the motor policy.

MSIG now offers a Motor Add-On that waives the betterment charges for an additional premium. This will reduce the financial impact to a policyholder who owns an older car that uses new original spare parts.

Click here to learn more about MSIG’s Waiver of Betterment Cost * Motor Add-On:

Youtube: https://www.youtube.com/watch?v=rIkAfzmIY-s

Product leaflet: http://www.msig.com.my/MSIG%20Motor%20Add-On%20Leaflet%202.pdf

Website: www.msig.com.my

*For Comprehensive Private Car only. Terms and conditions apply.