Know More About Motor Insurance

Motorcycle

Features / Types of Cover	Comprehensive	3^rd Party Fire & Theft	3^rd Party
Own Damage Loss or damage to own motor vehicle or its factory-fitted spare parts & accessories caused by:
1) accidental collision or overturning		N/A	N/A
2) lightning		N/A	N/A
3) malicious acts		N/A	N/A
4) fire, external explosion, self-ignition			N/A
5 burglary housebreaking or theft			N/A
Liability to 3rd Party
1) death or personal injury to any person
2) damage to other property
Covers extends to include while the vehicle is in transit by road, rail, inland waterway, lift or elevator, or direct sea route between islands or Malaysia and the mainland.

Additional Cover Options (May be provided subject to additional premium)

Features / Types of Cover	Comprehensive	3^rd Party Fire & Theft	3^rd Party
- all riders

Commercial Vehicle

Features / Types of Cover	Comprehensive	3^rd Party Fire & Theft	3^rd Party
Own Damage Loss or damage to own motor vehicle or its factory-fitted spare parts & accessories caused by:
1) accidental collision or overturning		N/A	N/A
2) lightning		N/A	N/A
3) malicious acts		N/A	N/A
4) fire, external explosion, self-ignition			N/A
5 burglary housebreaking or theft			N/A
Liability to 3rd Party
1) death or personal injury to any person
2) damage to other property
Covers extends to include while the vehicle is in transit by road, rail, inland waterway, lift or elevator, or direct sea route between islands or Malaysia and the mainland.

Additional Cover Options (May be provided subject to additional premium)

Features / Types of Cover	Comprehensive	3^rd Party Fire & Theft	3^rd Party
- excursion trip (buses only)
- one-way express (buses only)

Private Car

Features / Types of Cover	Comprehensive	3^rd Party Fire & Theft	3^rd Party
Own Damage Loss or damage to own motor vehicle or its factory-fitted spare parts & accessories caused by:
1) accidental collision or overturning		N/A	N/A
2) lightning		N/A	N/A
3) malicious acts		N/A	N/A
4) fire, external explosion, self-ignition			N/A
5 burglary housebreaking or theft			N/A
Liability to 3rd Party
1) death or personal injury to any person
2) damage to other property
Covers extends to include while the vehicle is in transit by road, rail, inland waterway, lift or elevator, or direct sea route between islands or Malaysia and the mainland.

Additional Cover Options (May be provided subject to additional premium)

Features / Types of Cover	Comprehensive	3^rd Party Fire & Theft	3^rd Party
- medical expenses		N/A	N/A
- accident to insured		N/A	N/A
- flood		N/A	N/A
- strike, riot & civil commotions		N/A	N/A
- all drivers		N/A	N/A
- personal accident to other passengers		N/A	N/A
- radio / cassette		N/A	N/A
- car phone		N/A	N/A
- legal liability to passengers
- windscreen damage		N/A	N/A

Why should you insure with P&O?

Pacific & Orient Insurance Co. Berhad is one of the largest insurance companies in Malaysia. This means what you insure, is always secure.

For more information

Call Toll Free
Teleinsurance Call Centre 1 800 88 2121
or
Visit our Nearest Authorised Agents or POI Office

Head Office (Kuala Lumpur)
Branch Offices:
Johor Bahru Melaka Ipoh Penang Kuching Kuantan Kota Kinabalu

Business Centres:
Sungai Besi Sungai Petani

In the Event of an Accident

1. Get the following information:

i) name & I/C number of third party;

ii) address and vehicle number of third party;

iii) insurance company involved and policy number.

2. Lodge a police report within 24 hours.

3. Inform your insurance company immediately, Submit Claim Form together her with Photostat copies of:

i) Registration Card;

ii) Road Tax Disc;

iii) Identity Card of insured and driver;

iv) Driving License;

v) Police Report;

vi) Copy of Policy.

No-Claim Discount

A discount maybe allowed on the net renewal premium where no claim is pending or has been made during the stipulated period:

Motorcycle & Commercial Vehicle

Period of Insurance	Discount
After One (1) Year Free of Claim	15%
After Two (2) Consecutive Years Free of Claim	20%
After Three (3) Or More Consecutive Years Free of Claim	25%

Private Car

Period of Insurance	Discount
After One (1) Year Free of Claim	25%
After Two (2) Consecutive Years Free of Claim	30%
After Three (3) Or More Consecutive Years Free of Claim	381/3 %
After Four (4) Consecutive Years Free Of. Claim	45%
After five (5) Or More Consecutive Years Free Of Claim	55%

This brochure is for general information only. It is not a contract of insurance. The precise terms and conditions of this insurance plan are specified in the policy.

Pacific & Orient Insurance Co. Berhad (No. 12557-W)
11^th Floor, Wisma Bumi Raya
No 10, Jalan Raja Laut
50350 Kuala Lumpur, Malaysia
Teleinsurance: 1-800-88-2121
Telephone Number: 03 2698 5033 Fax Number : 03 2693 8145 (General)
Fax: 03 2692 6700 (Marketing) Fax: 03 2693 8490 (Finance) Fax: 03 2694 0936 (Claims)
Email: poi@pacific-orient.com