Frequently asked questions (FAQ)

• Q1. What does Generali motorcycle insurance cover?

  This motorcycle insurance protects you financially in several ways:

  • - If you accidentally caused seriously injury or death to someone else: We'll cover the costs.
  • - If you damage someone else's property by accident: We'll help you pay for repairs or replacements.
  • - If your motorcycle is damaged or stolen: We'll help you repair it or replace it (depending on your coverage).
  • - If your motorcycle is damaged by fire: We'll help you repair it or replace it (depending on your coverage).

• Q2. What are my coverage options?

  We offer three main types of motorcycle insurance:

  • - Comprehensive: This covers everything mentioned in question 1.
  • - Third-Party Fire & Theft: This covers fire and theft damage to your motorcycle, and also covers injuries or damage you cause to others.
  • - Third-Party Only: This is the most basic coverage, and it only covers injuries or damage you cause to others.

• Q3. How long does the coverage last and how do I renew?

  Your motorcycle insurance policy lasts for one year. You'll need to renew it each year to stay covered. We'll send you a reminder before your coverage expires.

• Q4. How much will it cost?

  The price of your motorcycle insurance (called the premium) depends on several factors, including:

  • - The value of your motorcycle: The more valuable your motorcycle, the higher the premium.
  • - Your motorcycle's details: This includes things like the year it was made, its engine size, and the brand and model.
  • - Your age, gender, and driving history: Younger riders and those with a history of accidents typically pay more.
  • - Where you live: If you live in a busy city, you might pay more than someone who lives in a rural area.
  • - Your past claims: If you haven't made any claims in a while, you might qualify for a discount.

• Q5. What are the additional costs besides the premium?

  There are a few additional fees you might need to pay:

  • - Stamp duty: This is a government fee of RM10.
  • - Service tax: This is an 8% service tax on the premium amount.

  Please note: These tax rates and fees could change, so we recommend checking the latest regulations.

• Q6. What is not covered by this insurance?

  There are some situations where this insurance won't pay for damages or injuries. Here are some common exclusions:

  • - Injuries or death to yourself: This policy doesn't cover your own medical bills or funeral expenses if you're in an accident.
  • - Injuries to your passengers: If someone riding with you gets hurt, this policy won't cover their costs unless you add extra coverage.
  • - Normal wear and tear: This policy doesn't cover things like regular maintenance or breakdowns.
  • - Natural disasters: If your motorcycle is damaged by a flood, storm, or earthquake, this policy (usually) won't cover it. You may be able to add extra coverage for natural disasters.

  This is not a complete list of exclusions. Be sure to read your policy wording carefully for all the details.

• Q7. Can I cancel my motorcycle insurance?

  Yes, you can cancel your policy at any time by writing a letter to the insurance company.

  • - If you've had the policy for more than a year: You'll get a refund for the unused portion of your premium (called a pro-rated refund).
  • - If you've had the policy for less than a year: The refund amount might be based on a daily rate calculation.

  Keep in mind:

  • - You won't get a refund for any minimum premium amount you paid.
  • - You won't get a refund if you've already made a claim during the current policy period.

• Q8. What if my contact information changes?

  If you move or get a new phone number, it's important to let us know right away. This way, we can be sure to reach you with important information about your policy.

• Q9. Can I add extra coverage for protection?

  Absolutely! Consider these add-ons:

  • - Personal Accident Coverage: Get financial support if you are injured in a motorcycle accident, even if you are not at fault.
  • - Natural Disaster Protection: If a storm floods your garage or knocks over your bike, this add-on helps repair the damage.
  • - Strikes and Riots Protection: If riots or protests damage your motorcycle, this plan helps get it back in shape.