Comprehensive Private Car Insurance

AIA offers Comprehensive Motor Insurance to Private Cars and Commercial Vehicles. Private Cars include cars for private use or business use whereas Commercial Vehicles include vehicles with only “C” Permit (Carriage of own goods) pickups or vans up to three (3) tons carrying non-hazardous goods.


For enquiries on your No Claim Discount (NCD) entitlement, please visit the ISM website:


Click here for the updated list of Panel Workshop

Accident Assist Call Centre (AACC)

You can now enjoy a roadside assistance provided by Persatuan Insurans Am Malaysia and Malaysia Takaful Association. For roadside assistance, simply call Accident Assist Call Centre at 1-300-22-11-88

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Comprehensive Private Car Insurance policy provides insurance against liabilities to other parties for bodily injury or death, damage to other parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle.

This policy covers:


  • 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 accident.


Optional benefits that you may purchase by paying additional premium:


  • Windscreen damage

  • Passenger liability cover

  • Loss or damage arising from an act of nature, such as, flood, storm and landslide (Special Peril)

  • All drivers cover (for insured organization)


Duration of cover is for one year. You need to renew the insurance cover annually.




If you are involved in an accident we are here to help


Introducing Accident Assist, a new public service provided by the Malaysian insurance and takaful industry to members of the public who are seeking immediate roadside assistance in event of a road accident. Accident Assist will also respond to basic or common enquiries relating to motor policies/ certificates. It is a dedicated tele-service line manned by customer service officers operating 24 hours daily.


Accident Assist aims to improve the overall process following a road accident by providing road accident victims with timely roadside assistance and objective guidance on making a motor insurance/ takaful claim.


Accident Assist is managed by general insurers and takaful operators. It is operated by Telekom Malaysia.


Accident Assist can help you with these:

  • 24 hours / 7 days a week, helpline

  • Guide you to obtain towing services to approved workshops

  • Provide information and answer basic or common enqiries which you may have on making a motor insurance/ takaful claim


These services are presently only offered to those within Kuala Lumpur and Selangor. The towing services are presently provided only to private cars.




1. What is Accident Assist and how will it benefit me?

  • Accident Assist is a nationwide call centre established by the insurance and takaful industry to immediately connect road accident victims to credible roadside assistance providers and to answer questions which you may have regarding motor insurance/ takaful claims in general.

  • Accident Assist may also connect you to the relevant insurer/ takaful operator to answer any in-depth questions you may have.

  • A customer service officer is available to speak to you and guide you 24 hours, day or night, 7 days a week

  • Accident Assist is part of a collective effort to pool together individual insurers’/ takaful operators’ resources to serve the Malaysian public more effectively.


2. What are the services provided by Accident Assist?

  • Accident Assist helps to immediately connect you to a road assistance provider appointed by your insurer/ takaful operator.

  • Accident Assist is dedicated to guide you to obtain towing services and basic roadside assistance from approved workshops.

  • It also provides information and answer basic or common enquiries which you may have on making a motor insurance/ takaful claim.


3. If I choose to make a claim directly with the insurer/ takaful operator, will Accident Assist be able to guide me in making a claim?

  • Accident Assist would be able to answer basic or common enquiries relating to your motor claims. However, if you wish to obtain guidance specific to your motor insurance/ takaful policy/ certificate or claim, Accident Assist will connect you to the relevant insurer/ takaful operator who will be able to provide in-depth guidance to you.


4. If I’m not involved in an accident but I have a problem with my car such as a flat tyre or a dead battery, can I call Accident Assist?

  • As a value-added service to policyholders/ certificateholders, most insurers/ takaful operators have arrangements with 24-hour roadside assistance service providers. Thus, you are encouraged to contact your insurer’s/ takaful operator’s roadside assistance provider in cases such as a flat tyre or a dead battery.

  • Nevertheless, you may also contact Accident Assist who will then transfer your call to your own insurer’s/ takaful operator’s roadside assistance provider. In cases where your insurer/ takaful operator does not have a roadside assistance provider, Accident Assist may provide you with the contact number of approved repairers. However, in such cases, you will have to bear any charges on your own.


5. If I need an ambulance, can Accident Assist assist me as well?

  • If you are dealing with an emergency situation and are in need of urgent medical assistance following a road accident, you must contact MERS999 immediately.

  • Nevertheless, if you have contacted Accident Assist instead, Accident Assist operators will be able to advise you on the nearest hospital to your accident location as well as help to connect you to the MERS999 emergency services hotline.


You also have the right at any point in time to seek advice from or appoint a lawyer who will be able to assist you in making your claim.


Confused on how to make claims? Learn more from Accident Assist’s Motor Claim Guide here.





1. How much premium do I have to pay?
The total premium that you have to pay may vary every year depending on the no-claim-discount (NCD) entitlement and the underwriting requirements of the insurance company such as age of vehicle and claims experience.

For example:

  • Standard cover : <RM589.20> premiums for sum insured of <RM15,000.00> for vehicle with <1300> CC

  • NCD entitlement : <55%>

  • Additional cover : <RM90.00> for windscreen cover of <RM600.00>

The estimated total premium (inclusive of stamp duty and service tax if any) that you will have to pay is <RM365.14>

Under the Cash-Before-Cover (CBC) Regulations, premiums must be paid before a motor insurance cover note or policy can be issued. You are therefore advised to pay the premiums directly to us, either by cash, credit card or cheques which should be made payable only to “AIA Bhd”.


2. What are some of the key terms and conditions that I should be aware of?

  • Importance of disclosure - you must disclose all material facts such as previous accidents, claims experiences and any modification to engines.

  • Insured value/Sum Insured – the current market value for your vehicle is RM <reflect the ISM market value from FLAS issuance screen> which is determined from the ISM Automobile Business Intelligence System. You must ensure that your vehicle is insured at an appropriate amount. For a new vehicle, the insured value will be the purchase price while for other vehicles, the insured value is the market value of your vehicle at the point you apply for this product.

  • Over-insurance – Over-insurance – this occurs when you insure your vehicle for a sum higher than the market value. When you make a claim, we will only pay you the market value of your vehicle at the time of loss. If you over-insure your vehicle, you would have paid higher and unnecessary premiums.

  • Under-insurance – this occurs when the sum insured for your vehicle is lower than the market value. In such a case, you are considered to have ‘self-insured’ the difference between the sum insured and market value of your vehicle. Therefore, in the event of a claim, you will have to bear the self-insured portion out of the total claim amount.

  • Valuation – the market value of your vehicle would be determined in the event of a dispute by the Head Office of the Franchise-holder. In the event no Franchise-holder is available for the make of your vehicle, the market value of the vehicle would be determined by a Loss Adjuster licensed under the Insurance Act, 1996 and its subsequent legislation, agreed to by both you and us.

  • Principle of Indemnity - based on this principle, the insurance cover will compensate your loss by putting you back to the same position you were in immediately before the loss. You cannot ‘profit’ from a motor insurance claim.

  • The excess – this is the amount of loss you have to bear while we will pay for the balance of your vehicle damage claim. If you have an ‘excess’ on your policy, you must pay the amount of the ‘excess’ direct to the repairer. In addition to the ‘excess’ on your policy, you must also pay an amount of RM400 (compulsory excess) if your vehicle is driven by a person not named in your policy.

  • Betterment - this occurs when in the course of repairing an accident-damaged vehicle, an old part is replaced with a new franchise part. In line with the principle of indemnity, you will have to bear the difference in costs as your repaired vehicle is in a better condition after the accident with the new franchise part.

  • Accident and claims procedure – you should obtain details of the accident such as the vehicles involved, lodge a police report within 24 hours of the incident, notify us immediately and submit the claims form with complete supporting documents. You are advised to deal only with PIAM Approved Repairers Scheme (PARS) Workshop.If you are not at fault in the accident, you can submit the claim either directly to the insurance company of the party at fault, or to us under Own Damage Knock-For-Knock claim, without losing your NCD entitlement. You are encouraged to submit your claim to us for speedier claims processing.You are eligible to claim from the third party insurance company for ‘compensation for actual repair time’ (CART) and compensation of excess. For the actual repair time of your vehicle, this is based on the adjuster’s recommendation on the number of days required for your car to be repaired. We may allow an additional 7 working days for any unforeseen or unavoidable delay.


3. What are the major exclusions under this plan?

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;

  • Your vehicle left unattended after an accident or breakdown or not fit to be driven on the road;

  • Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages.

This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.


4. Can I cancel my policy?
You may cancel your policy at any time by giving written notice to us. Upon cancellation, you are entitled to a partial refund of the premium based on short-period rates provided you have not made a claim.


5. What do I need to do if there are changes to my contact/personal details?
It is important that you inform us of any change in your contact details to ensure that all correspondences will reach you in a timely manner.


6. Where can I get further information?
Should you require additional information about motor insurance, please refer to the insurance info booklet on “Motor Insurance”, available at all our branches or you can obtain a copy from the insurance agent or


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