Yes. As long as you have the personal and vehicle details.

You can get the rebate when you purchase directly at our Generali head office or nationwide branches or on our website.

In addition to the policyholder, other drivers whom will use the car must be named as an authorised drivers on policy.

We are charging motor premium based on our risk profile.

With this, motor premium would differ from one insurance company to another as different insurance company has different ways of defining the risk profile group.

In compliant with Bank Negara Malaysia requirement, the risk factors such as age of vehicle and driver, gender, vehicle make model, geographical areas and etc. will be reflected in motor basic premium.

Please contact our Customer Service team at 03-21708282 to inquire. Our team is available Monday to Friday from 8:30am to 5:30pm, excluding public holidays.

This is the first amount that you have to bear yourself for each and every claim that we approve, even if the incident is not your fault.

Please note that excess does not apply to loss or damage caused by fire, explosion, lightning, burglary, housebreaking, theft, third party property damage or bodily injury claims.

For example, if the claim payable is RM10,000 but your policy carries an excess of RM500, you will have to bear the first RM500 yourself and we will pay the balance of RM9,500.

For car insurance, premiums must be paid before the cover note issuance (Cash Before Cover). Premiums can be paid by Malaysian Bank issued Credit Cards, Debit Cards or Online Bank Transfer.

NCD of higher percentage can be transferred to your policy on renewal. The NCD percentage that has been earned on the policy can be transferred to another car or it will remain unused and drop at every unutilised year.

We can only issue cover note on present day or a future day only. Back date of the cover note/ period of insurance as it is not allowed.

You can renew 2 months prior to the policy expiry with the next NCD level subject to no claims till expiry.

Please contact our Customer Service team at 03-21708282 to inquire. Our team is available Monday to Friday from 8:30am to 5:30pm, excluding public holidays.

i) If you request to withdraw the NCD during policy renewal, there will be no additional premium charges.

ii) If you wish to withdraw the NCD during the mid-term of the policy, please contact our Customer Service team at 03-21708282 (Monday to Friday from 8:30am to 5:30pm, excluding public holidays).

Please note that the NCD withdrawal amount will be calculated on a pro-rated basis from the date of NCD withdrawal until the policy expiry date.

i) If the NCD transfer is requested upon policy renewal, no premium refund will be applicable.

ii) If the NCD is transferred during the mid-term of the policy, we will refund you on a pro-rated basis from the current policy premium.

Please submit the following documents to customer.service.gi@generali.com.my to process the cancellation:

• 1. Written advise with signature
• 2. Return of Original Certificate of Insurance (CI).

If a motor policy is canceled within the first year of insurance, short period rates as stated in the table below will apply; otherwise, the refund will be calculated on a pro-rated basis.

Please contact our Customer Service team at 03-21708282 to inquire. Our team is available Monday to Friday from 8:30am to 5:30pm, excluding public holidays.

Please contact our Customer Service team at 03-21708282 to inquire. Our team is available Monday to Friday from 8:30am to 5:30pm, excluding public holidays.

Yes. However, a written request signed by insured and copy of insured's IC needs be submitted together for verification purpose. Please contact our Customer Service team at 03-21708282 (Monday to Friday from 8:30am to 5:30pm, excluding public holidays).

Extension of the period of cover is permitted to coincide with the renewal of road tax, and a pro-rated premium will be charged according to the policy's terms and conditions, which are as follows:

• i) The existing policy must be effective for a minimum of 12 months with the same insurer.
• ii) A maximum extension period of 6 months is permitted, and only once.
• iii) The purpose of the extension must be lodged with the insurer as proof.

Note: The next level of NCB will not be allowed for such extensions.

For further questions or assistance, please contact our Customer Service team at 03-21708282 or email us at customer.service.gi@generali.com.my. Our operating hours are Monday to Friday from 8:30am to 5:30pm, excluding public holidays.

It is recommended to cancel the policy so that the new owner can obtain their own insurance coverage with a new period of cover. However, if you want to transfer the car policy to the new owner, you will need to follow these steps:

• 1. Provide written advice from the policyholder with a signature.
• 2. Return the original Certificate of Insurance (CI).
• 3. Recover any applicable NCD and premium payment from the policyholder.
• 4. Pay a transfer fee of RM10.

Please note that these requirements must be met to ensure a smooth transfer of the policy to the new owner.

For further questions or assistance, please contact our Customer Service team at 03-21708282 or email us at customer.service.gi@generali.com.my. Our operating hours are Monday to Friday from 8:30am to 5:30pm, excluding public holidays.

No, there’s no limit to number of incidents and breakdown or accidents.

Our policy only covers one towing per incident, so you would not be able to claim for both tows.

To ensure claims are approved, repairs must be conducted at a workshop approved by us or under the PIAM Approved Repairers Scheme (PARS). We recommend sending your vehicle to our panel workshop or one of the approved workshops by Persatuan Insurans Am Malaysia (PIAM).

It is advisable not to let them tow your vehicle. Instead, you should contact our Roadside Assistance at 1800-88-1033 to arrange for the towing. This will ensure that your vehicle is safely towed to a panel workshop and that your claim is processed smoothly.

Yes, it is possible. Please contact our Roadside Assistance at 1800-88-1033 to make the necessary arrangements.

For towing due to an accident, the towing charges is included with the repair costs as part of the claim submission. For towing due to a breakdown, please contact our Roadside Assistance at 1800-88-1033 directly for free towing.

It is important to notify Generali of the accident as soon as possible, except:

• 1. If you are not physically disabled or hospitalized following the incident, you must notify us within seven (7) days.
• 2. If you are physically disabled and hospitalized as a result of the incident, you must notify us within thirty (30) days or as soon as practicable.

No, physical visits to our office may not be necessary. You may submit your claim through email or via the workshop.

You are required to send your vehicle to an approved workshop for claim notification and assessment immediately after an accident. If you continue to use your vehicle after the accident and it incurs further damages, those damages will not be covered. If you have another accident, it will be assessed under a separate claim.

They will help you submit the necessary documents for the claim and prepare a repair cost estimate.

An adjuster is anindependent party appointed by Generali to evaluate and determine the extent of damage to your vehicle at the workshop, and subsequently ascertain the associated expenses for the necessary repairs.

The survey conducted by the adjuster will take place within two working days after being assigned by us.

You will receive a notification about the adjuster's appointment through SMS. However, it is not necessary for you to be present during their survey.

If not at fault, you can opt for Own Damage Knock-for-Knock (OD KFK) claim. It's faster and requires no upfront payment to the workshop, with no impact on your NCD entitlement (subject to KFK Agreement T&Cs, see Q16).

If you have a Comprehensive cover and the third party that knocked your car is clearly at fault, you can submit Own Damage Knock-for-Knock (KFK) claim to us. OD KFK Claim process is faster than Third Party Claim and your NCD entitlement will not be affected.

Accidents where OD KFK Claim is not applicable:

• i) the third party vehicle is identifiable and is not a vehicle used for carriage of passengers for hire or reward (for example taxis, hire cars, public buses, stage buses, school buses and factory buses for hire);
• ii) third party vehicle is not insured in Malaysia; and
• iii) there is death or personal injury claim involved, regardless of who is at fault.

If the third party did not lodge any police report, you can only lodge an Own Damage (OD) claim. However, we may consider your claim under OD KFK if you have the police investigation outcome to confirm the third party is at fault. You may be required to submit a Statutory Declaration affix by Commissioner of Oath.

To proceed with an OD KFK claim, it is necessary to collect the required documents directly from the police station, including any additional documents as required. Alternatively, you may coordinate with the workshop for any assistance regarding additional services needed.

You have two options:

• 1. Make an Own Damage (OD) claim with your insurance which will affect your No Claim Discount (NCD).
• 2. Pursue a Third Party Property Damage (TPPD) claim directly with the third party's insurer to protect your NCD.

You may start tracking the progress of the repairs with the workshop on your vehicle.

For vehicles that are over 5 years old, the adjuster will assess whether used parts are suitable or if new original franchise parts should be used. If you choose to use new original franchise parts, you will be responsible for paying the betterment charges.

You will need to bear the betterment charges for the replacement of franchise parts if your vehicle is above a certain age, as indicated in the following table:

Yes, this procedure is applicable only when new franchise parts are being used in the repair of your vehicle.

To proceed with the repairs, you will need to sign a betterment declaration letter. This letter confirms that you agree to use either used parts or OEM parts for the repair of your vehicle.

If you wish to change workshops, you will need to provide written confirmation. However, please note that there may be additional charges such as storage and towing fees that must be settled with the existing workshop before the vehicle can be towed out to another workshop of your choice.

Yes, you must choose an approved repairer or franchise workshop.

The compulsory excess of RM400 only applies to drivers who are below 21 years old, have less than 2 years of driving experience, are not named drivers on the policy, or hold a provisional driving license (L-license) or a probationary driving license (P-license).

Yes, it is applicable with other insurance companies as well.

Yes, you can claim back the compulsory excess/policy excess and under-insurance proportion from the third party insurer, except for betterment charges.

Yes, you can claim rental car expenses from TP insurance, but it must be from a licensed rental car company. The rental reimbursement is limited to the duration of repairs and the rented vehicle cannot be of superior quality or capacity to the damaged vehicle. Please submit rental agreement and receipt for reimbursement. Taxi fees can be claimed with original receipts. No further allowance or rental fee will be given if reimbursement is paid based on receipt.

"No Claims Discount" or NCD is a discount on your car insurance premium that is awarded when you have not made an insurance claim in the previous 12 months and when there have been no third-party claims made against your policy.

The duration of the investigation depends on the complexity of the claims. Generally it will take one month to 45 days. We will update you on the progress via email/letter on monthly basis or as soon as we have a decision.

The adjuster will contact you and your driver to arrange an appointment/interview within two days of receiving our assignment for investigation.

Windscreen cover includes front and back windscreens, all door window and sunroof glass window up to the amount not exceeding the windscreen sum insured, subject to the sunroof glass window is factory fitted.

For prompt processing of your claim, we recommend that you take your vehicle to one of our authorized workshops immediately for cashless repair or replacement. Our panel workshop will then submit your claim to us online.

Once we have received all your completed documents and information, we will process your claim and aim to reimburse you within 5 working days.

Our authorized panel workshop will perform the necessary repairs or replacement of your windscreen within 24 hours, subject to the availability of the required parts. The workshop will communicate directly with us regarding the cost of repairs.

• 1. If you make a windscreen repair claim for RM1000 and have a remaining balance of RM1000, you can use it to claim for a second windscreen repair under the same policy coverage.
• 2. If you make a windscreen replacement claim for RM1000, your windscreen coverage will end. Before you can submit a second windscreen claim, you must reinstate your windscreen cover.

Please contact our Customer Service team at 03-21708282 to inquire. Our team is available Monday to Friday from 8:30am to 5:30pm, excluding public holidays.

The maximum amount we will pay is either the market value of your vehicle at the time of the loss or the sum insured stated in the policy, whichever is lower, subject to the terms and conditions of the policy.

Yes, you may submit a written request or email to us for a repair instead of a Total Loss. However, the final decision will be based on the condition of your vehicle and the recommendation of the adjuster. Our claims officer will review your request and provide a response in a timely manner.

Payment will be issued directly to hire purchase Financier.

To retain your NCD, it is necessary to file a claim against the third party insurer. For advice on claims documents and procedures, you can contact the third party insurer directly.

You can submit an Own Damage (OD) claim if your vehicle is damaged. However, please note that the No Claim Discount (NCD) may be affected due to potential bodily injury claims from the third party. If you choose not to make any OD claim, you are still required to provide us with full details of the accident by completing our claim form.

Yes, you can make a claim, but a compulsory excess of RM400 applies because the driver is below 21 years old.

Yes, you can proceed to submit the claim if your policy has additional coverage for flood damage.

Yes, you can proceed to submit the claim if your policy has additional coverage for Riot Strike Malicious Damage (SRCC).

If your policy includes coverage for both windscreen and vehicle accessories, you can submit a claim without affecting your NCD. If you don't have this extension, you can still submit a windscreen claim under OD, but it will affect your NCD. Please note that you cannot claim for non-factory fitted accessories.

If the falling branch that caused the damage was not a result of rain or a storm, then the claim is payable. However, if the falling branch was caused by a rain or a storm and your policy does not cover losses caused by natural disasters, we may need to appoint an adjuster to investigate and confirm the cause of the accident before determining if the claim is payable.

You can contact the repairer for assistance within the repair warranty period.

Yes, you can keep your car registration number, but you need to inform us before accepting our offer. You will need to work with JPJ on your own and provide us with the registration card that has the new vehicle number approved by JPJ. Then we can process your claim payment.

Please ask the repairer to submit an official request for a contract repair for our consideration. However, the decision will be based on the condition of your vehicle and the adjuster's recommendation. Our claims officer will contact you once your request has been reviewed.

Our adjuster will work with the workshop to determine the Contract Repair amount. They will compare the cost of repair against the sum insured or market value, and make a recommendation. Our claims officer will then negotiate with the repairer to finalize the amount before approving it.

To initiate a claim, please provide us with a copy of the police report, as well as the NRIC and Driving License of both the insured and the driver, and the Vehicle Ownership Certificate (VOC). Once we receive your claim notification, our claims officer will contact you to request any additional documents that may be needed to process your claim.

The standard processing period for a theft claim is 120 days from the date of submission of all necessary claim documents, including the adjuster report, if applicable, and police investigation report.

We require a complete set of keys for verification purposes. If you are unable to provide the keys, please provide an explanation letter with a valid reason. All keys should be submitted with the other necessary documents once you have accepted our claims offer.

You need to obtain the Police Investigation Result from the Police Investigation Officer (IO) and send it to us or the adjuster for further processing.

Please inform us about the vehicle's recovery details, such as the vehicle's location, the name of the Investigation Officer (IO) in charge, the informer's information, and contact number. We require this information for our reference.

Our adjuster will survey the vehicle at the police station and advise you to tow it to the nearest partner workshop. It is strictly forbidden to tow your vehicle prior to our adjuster's inspection at the police station.

Yes, your theft claim will be converted to Own Damage Theft Recovered (ODTFR) Claim. Please contact our approved workshop to prepare an estimate for the damages and missing parts for claim submission.

Please provide the recovery information, such as the location of the vehicle, the investigation officer (IO) in charge, informant's information, contact number, and any other related information for our reference. We will then liaise with the police officer for further arrangements.

You can request for Total Loss by writing in or emailing us, but the decision will depend on the condition of your vehicle and the recommendation of the adjuster. After reviewing your request, our claims officer will get back to you with a response.

If the vehicle is recovered before the claims payment is made, the theft claim will be converted to an Own Damage Theft Recovered (ODTFR) claim.

Our adjuster will survey the vehicle at the police station and we will arrange to tow the vehicle to our approved workshop for damage assessment.

Yes, you may request to repair your vehicle instead of declaring it a Total Loss by writing to us or emailing us. The final decision will depend on the condition of your vehicle and the recommendation of the adjuster. Our claims officer will get back to you once your request has been reviewed.

The approved amount will depend on the lower value between the market value of a similar make and model of your vehicle at the time of the loss and the sum insured stated in the policy, subject to the terms and conditions of the policy.

You may write in or email us to appeal with the supporting documents/information. Our claims officer will revert to you once your request is being reviewed.

Once we receive all your acceptance documents, we will process your payment. You should receive a payment notification from the issuing bank within 5 working days.

If you do not have email, you may check the payment status by checking your bank account or contacting our Customer Service at 03 2170 8282 (Monday to Friday: 8:30am to 5:30pm, excluding public holidays) for enquiries.

This is because the Hire Purchase company is the rightful owner of your vehicle.

To request a review, kindly send an email to customer.service.gi@generali.com.my and attach all necessary supporting documents.

Rental car expenses are not covered under the OD Claims. If the accident was caused by a third party, you can submit your claim directly to their insurance company.

You may claim for the cost of renting a vehicle of similar type and capacity for the recommended period of actual repair time determined by the adjuster. To do so, you must provide the original car rental agreement, rental bill, and receipt issued by a licensed vehicle rental company.

If you submit the original car rental agreement, rental bill, and receipt issued by a licensed vehicle rental company, we will pay the amount shown on those documents, provided that:

• 1) The rented vehicle is of an equivalent model to the damaged vehicle.
• 2) The number of days allowed is based on the insurance loss adjuster's estimate of the repair time for the damaged vehicle.

The role of the Insured & Insured Driver after a Third Party motor accident:

• i) Do not negotiate or admit liability without our prior written consent.
• ii) Do not repair Third Party vehicle without our prior written consent.
• iii) Refer all Third Party claims and police summons, writ of summon received to Generali for instructions.
• iv) Notify Generali Claims Department to report the details of the accident.
• v) Report the accident to the police within 24 hours of its occurrence.
• vi) Submit the completed Claim Form to Generali along with the following documents:

• Copy of vehicle’s Registration Card;
• Copies of Insured’s Identity Card & Driving License
• Copies of Driver’s Identity Card & Driving license (if driver is not insured)
• Copy of Business Registration including Form 9, 49 or SSM with the Company Owner details (*for company vehicle)
• Copy of the Vehicle Permit (for goods carrying vehicle above 3 tons, taxis, limousine, hire & drive & buses only)
• Copy of the PUSPAKOM Re-inspection Disc
• Copy of the Insurance Cover-note /Policy
• Certified copy of the Police Report
• Photographs of the damages sustained by all vehicles and the aftermath of the accident (scene of accident)

The documents required for Third Party Vehicle Claims are as follows:

• 1. Statement of claim stating the breakdown of claim.
• 2. Claimant’s motor policy schedule valid at the material time of accident.
• 3. Claimant’s updated vehicle registration card (front & back) or Vehicle Ownership Certificate issued by JPJ.
• 4. Copy of claimant’s and driver’s NRIC and driving license valid at the material time of accident.
• 5. Copy of claimant’s Business Registration/ Form 9/ Form 24/Form 49 (for company).
• 6. Certified true copy of police reports for ALL PARTIES’s involved.
• 7. Certified true copy of police investigation results.
• 8. Certified true copy of police sketch plan with key.
• 9. Certified true copy of police photographs (to be scanned in colour) showing damages on vehicles of all parties
• 10. Warrant to Act letter duly signed/rubber stamp by the claimant (If solicitors were appointed)
• 11. Original Adjuster’s Report, photographs (to be scanned in colour), official receipt and bill
• 12. Original photographs (to be scanned in colour) taken at the scene of accident (if any).

The documents required for Third Party Property Damage Claims are generally those stated below. However, documentation required is dependent upon the type and nature of the claim:

• 1. Statement of claim with breakdown.
• 2. Material damage insurance policy valid at the material time of accident.
• 3. Copy of claimant’s Business Registration/ Form 9/ Form 24/Form 49 (for company).
• 4. Property title/Proof ownership of the property.
• 5. Original photograph of the property damages (to be scanned in colour) taken at the scene of accident.
• 6. Original Quotation/Bill from contractor.
• 7. Certified true copy of police reports for ALL PARTIES’s involved.
• 8. Certified true copy of police investigation results.
• 9. Certified true copy of police sketch plan with keys.
• 10. Certified true copy of police photographs (to be scanned in color) showing damages of the property.
• 11. Warrant to Act letter duly signed/rubber stamp by the claimant if the claimant is legally represented.
• 12. Original Adjuster’s Report, photographs (to be scanned in color), official receipt and bill, if appointed.