SmartDrive Safe Motor Insurance

1. Loss or damage to your own vehicle due to accidental fire, theft or accident.
2. Your liability or your authorized drivers’ liability to third parties for
   1. bodily injury or death;
   2. damage to property

Road protection at the touch of a button

• Breakage of glass in windscreen, window or sunroof
• Legal liability to passengers
• Legal liability of passengers for negligent acts
• Flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature
• Strike, riot and civil commotion
• Compensation for Assessed Repair Time (CART)
• No Claim Discount (NCD) Relief
• Vehicle accessories
• Gas conversion kit and tank
• Named Driver
• Unnamed Driver
• Extension to Thailand

• Liability to third parties for bodily injury and death to drivers and passengers
• Reimbursement for medical expenses to drivers and passengers

You should take down the vehicle registration number(s) of vehicle(s) involved and the name(s) of the other person(s) involved in the accident. Do not admit liability or make any offer to a third party. If you have a camera with you, it is a good idea to take photographs of the accident scene.

A police report must be lodged within the next 24 hours at the nearest police station of the accident site. You can call Generali’s nearest panel repairer for immediate assistance or you can notify Generali immediately by submitting the motor claims form.

Please click here for the full list of Generali’s Panel Repairers.

Please click here for the full list of Generali’s Preferred Panel Repairers.

1. Newly purchased vehicle : The insured value should be equivalent to the purchase price.
2. Previously registered vehicle: The insured value should be equivalent to the ‘market value’.

Alternatively, you can contact Generali Customer Service at 03-2170 8282 for assistance in determining the insured value of your car.

If you are insured under a comprehensive coverage for 12 consecutive months with no claim made on your policy, either by yourself or a third party, you will be entitled to a No Claim Discount (NCD) upon renewal of your policy.

The percentage of your NCD increases with the number of claim free years. Your NCD will revert back to 0%, if you or a third party has made a claim on your Motor Insurance during the period of cover, with the exception of extended cover for Windscreen and No-fault Own Damage claims.

Please contact Generali Customer Service at 03-2170 8282 if you need to make a No-fault Own Damage claim against your policy.

If you are changing your car, your NCD can be transferred to the new car you are purchasing. If you do not transfer your NCD to another car, your NCD entitlement level will drop one level each year, until it reaches 0%.However if you are purchasing an additional car, you cannot apply your NCD to both cars – you will need to build up a new NCD on one of the cars. You are also not allowed to transfer your NCD to another person.

Yes, to enhance your standard cover, you may add any of the additional coverage listed below:

1. Driver’s & Passengers’ Personal Accident (DPPA)
2. Breakage of glass in windscreen, window or sunroof
3. Flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved
4. Legal liability of passengers for negligent acts
5. Legal Liability to Passengers
6. Vehicle accessories
7. Strike, riot and civil commotion
8. Compensation for assessed repair time
9. Gas conversion kit and tank
10. Extension to Thailand
11. No Claim Discount (NCD) relief
12. Named driver
13. Unnamed driver

An ‘excess’ is the amount of loss you have to bear before the insurer will pay for the balance of your vehicle damage claim.For example, if your Motor Insurance excess is RM200, you will have to pay for the first RM200 of any claim. You are not entitled to claim for an accident that results in damage below this amount. Excesses help to keep insurers’ administration costs lower by reducing the number of small claims, which in turn allow insurers to offer you with lower premiums.

Excess levels are set at the discretion of the insurer. There are two types of excess levels:’

Compulsory Excess‘ of RM400 is applicable if your vehicle is driven by a person:

1. who is under the age of 21 years
2. who is the holder of a Provisional Driving Licence (L-Licence)
3. who is the holder of a Probationary Driving Licence (P-Licence)
4. who is less than the age of 21 years and/or the holder of a Provisional Driving Licence (L-Licence) and/or the holder of a Probationary Driving Licence (P-Licence)

‘Other Excess‘ will be stated in the Schedule, where applicable.

It depends as different terms may have to be applied if you have made claims (excluding Windscreen and Knock-for-Knock claims) during the past 3 years. The most commonly used factors are your age, cubic capacity (engine CC), specific claims experience of your vehicle and re-conditioned vehicle. Generali can apply a loading on you to ensure that the amount charged commensurate with the risk borne.

Your BHPetrol eCard number is the 16 digit number printed on the front of your BHPetrol eCard. If you are eCard mobile app user, you can find your eCard number in your profile page.

BHPetrol will award 10x ePoints for each ringgit spent on your Motor Insurance (i.e. RM1= 10 ePoints)

Example: Motor Insurance premium RM500 = 5000 ePoints

No. You will only be awarded 10x ePoints when you purchase/renew Motor Insurance through BHPetrol website.

BHPetrol will only award 10x ePoints to you by end of the following month.

1. Local: Vehicles that are locally assembled.
2. Import: Vehicles that are assembled overseas and shipped to Malaysia.

1. Registered: Existing owned car.
2. New Registration: Insuring a new car i.e. getting a road tax for the first time
3. Registered – Transfer Owner: Insuring a used car i.e. getting an existing road tax transferred to your name for the first time

1. Private Use: Use only for the following purposes: social, domestic and pleasure.
2. Business Use: Use only for the following purposes: social, domestic, pleasure and business specifically in relation to the Company

This is the widest form of cover. The policy covers loss or damage to or theft of the vehicle and the liability to third parties for death or bodily injury as well as damage to property.Examples of covers for loss or damage to the vehicle under the policy are:

1. Accidental Collision
2. Overturning
3. Fire, explosion or lightning
4. Burglary, house breaking, theft
5. Malicious Act

You became aware that the NCD level provided by ISM was inaccurate:

Scenario 1: BEFORE making payment

You can proceed with the payment based on the inaccurate premium displayed and subsequently write to customer.service.gi@generali.com.my for a refund. Generali will refund the difference to you by crediting your Credit Card within 10 working days, upon correction and confirmation with ISM.

Scenario 2: AFTER making payment

Please write to customer.service.gi@generali.com.my for a refund Generali will refund the difference to you by crediting your Credit Card within 10 working days, upon correction and confirmation with ISM.

Please contact Generali Customer Service at 03-2170 8282 should you require any assistance.

Please call Generali Customer Service for assistance at 03-2170 8282 from 9am to 5pm, Monday to Friday (excluding Public Holidays) or write to customer.service.gi@generali.com.myIf your car insurance is due within today or tomorrow, please drop-by at your nearest Generali branch to avoid any delays in renewing your car insurance policy.

This refers to the maximum amount that an insurance company will pay out in the event of a claim. When selecting the sum insured, you should:

1. Make a selection equivalent to the market value; and
2. Make the necessary allowance for any anticipated decrease in value during the year.

You may also click on “Check Vehicle Sum Insured” to reconfirm your vehicle market value.

1. Driver’s & Passengers’ Personal Accident (DPPA)
   This is a separate policy that provides protection to both you and your passengers against bodily injury in the event of a road accident. The benefits include Death, Permanent Disablement and Medical Expenses etc. Refer to the full list of benefits in the brochure, available on the Product & Coverage tab of this website’
2. Breakage of glass in windscreen, window or sunroof
   This cover provides protection against the breakage of glass in windscreens, windows and sunroofs. Your No-Claims Discount (NCD) will not be affected if this additional coverage is extended.
3. Flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved
   This cover provides protection against damage to your car caused by flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved.
4. Legal liability of passengers for negligent acts
   This cover provides protection against any legal liability acts of negligence brought against your Passengers.
5. Legal liability to passengers
   This cover provides protection against any legal liability brought against you by any of your Passengers. (This coverage is compulsory if you drive your car in Singapore.)
6. Vehicle accessories
   This cover provides protection against loss or damage to specific accessories that are not fitted by the manufacturer of the vehicle. Examples of vehicle accessories are stereo players and sports rims. Your No-Claims Discount (NCD) will not be affected if this additional coverage is extended.
7. Strike, riot and civil commotion
   This cover provides protection against loss or damage to your car caused by strike riot and civil commotion.
8. Compensation for assessed repair time
   This additional coverage may only be extended for comprehensive private car policies. This cover provides benefits following a claim (including Own Damage Claim [excludes windscreen, theft and total loss], Own Damage Knock-for-Knock and Third Party Claim).The benefit payable is based on the loss adjuster’s assessment of the time required for repairs and NOT for the period of time the car is laid up at the workshop. Generali’s determination of the assessed repair time required shall be final.The benefit is payable for partial losses (excluding windscreen, theft and total loss) of the insured vehicle based on the following scale:-
   

   		Amount per day
   Vehicle Type	Aggregate days of claim at any one policy	RM	RM	RM
   Private Car	7, 14 or 21	50	100	200
   Commercial Vehicle	7, 14 or 21	100	200	300
   Additional Premium: 10% of the aggregate sum insured

9. Gas conversion kit and tank
   This cover provides protection for the gas conversion kit and tank against loss or damage. Any claim made under this endorsement will not affect your No Claim Discount (NCD) entitlement and you shall not be liable for any specified excess as stated in the Policy.
10. Extension to Thailand
    This cover extends the geographical area of the policy to the Kingdom of Thailand (excluding Third Party Bodily Injury). A standard motor policy’s geographical area is limited to Malaysia, Republic of Singapore and Brunei Darussalam.
11. No Claim Discount (NCD) Relief
    This additional coverage may only be extended for Comprehensive Private Car policies. This cover provides protection against the loss of “No Claim Discount” (NCD) following a claim.
12. Unnamed Drivers
    This cover allows any authorized person(s) to drive your car.