| Q1 |
How
will I determine the SUM INSURED for my vehicle before renewing my
policy? |
| A1 |
The
SUM INSURED for your vehicle is based on the current market value.
Alternatively, if you are unable to determine the value you may reduce
your existing amount by 10%. |
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| Q2 |
Where
do I renew my insurance? |
| A2 |
You
may choose any of the following options :-
a) Renew through your existing agent.
b) Renew through any of our 29 branch offices.
c) Send your renewal advice/acknowledgement by mail together with
your cheque payment to any of our 29 branch offices.
d) Renew through the internet at www.uniasiageneral.com.my
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| Q3 |
Can
I assign someone else to renew on my behalf? |
| A3 |
Yes,
you may assign someone else to renew on your behalf. Please provide
the following supporting documents:
a) Renewal notice duly acknowledged.
b) A brief letter authorising the person concerned to carry out the
renewal transaction.
c) Copy of your NRIC. |
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| Q4 |
Can
I pay my insurance premium by using my credit card? |
| A4 |
Yes.
This facility is available at our branch offices and through the Internet.
We accept both Master and Visa credit cards. |
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| Q5 |
Will
I be given a discount if I renew my insurance directly at your branch
office? |
| A5 |
As
we are governed by the Malaysia Motor Tariff, we are strictly prohibited
from giving any discount for motor insurance. |
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| Q6 |
Can
I renew my insurance policy through the Internet? |
| A6 |
Yes.
All you have to do is go to "www.uniasiageneral.com.my"
and our website will provide you with our on-line renewal facility. |
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| Q7 |
Can
Uni.Asia General renew my road tax for me? |
| A7 |
Our
current facility does not allow us to provide this service. If you
do not have an agent who can renew your road tax for you, we can assist
by recommending one nearby to provide this service to you. |
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| Q8 |
Can
I purchase the motor policy first and pay later? |
| A8 |
No,
this is not allowed under the Insurance Act 1996. All motor transactions
are subject to "Cash Before Cover" or CBC basis. |
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| Q9 |
How
do you provide the "No Claim Discount" or "NCD"? |
| A9 |
For
private cars, NCD is categorically provided based on the number of
claims-free years as follows:-
1st Year - 25%
2nd Year - 30%
3rd Year - 38.33%
4th Year - 45%
5th Year - 55% |
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| Q10 |
If
I claim against my insurance policy, will my NCD be affected? |
| A10 |
Yes.
Once you initiate or make a claim for damages to your vehicle, your
NCD will automatically revert to zero. |
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| Q11 |
What
do I do if I have not received my insurance policy? |
| A11
|
Please
contact our Issuing Office where we will arrange to send you a duplicate.
However, before sending the duplicate, we will need to verify if the
policy was sent to the correct address. |
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| Q12 |
How
do I include an additional "named driver" and do I have
to pay extra? |
| A12 |
You
are allowed one additional "named driver" free of charge.
If you want to include more than one driver, the cost is RM10.00 per
person. |
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| Q13
|
What
is the benefit of including a "named driver"? |
| A13 |
If
your policy comes with an "excess" of RM300.00, this is
the amount you bear in the event of an accident claim. If your vehicle
was in custody or had been driven by someone other than those in the
"named driver" list, your excess would be subject to Endorsement
2(f) of your policy. This means you pay twice the excess amount which
in this case would be RM600.00. |
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| Q14 |
How
do I obtain a quotation for my insurance policy? |
| A14 |
Quotations
may be secured from your agent or any of our branch offices. |
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| Q15 |
Who
do I contact if I have other queries regarding my motor insurance? |
| A15 |
Please
contact our Call Centre (1-800-888-990). A Customer Service Officer
would be assigned to you to provide any assistance you may require.
Our Call Centre routinely handles the following:-
a) Premium quotation
b) NCD enquiries
c) Cancellations
d) Extensions
e) Renewal assistance
f) Information on current promotions
g) Transmission of claims enquiries
h) Complaints
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