 |
| Beneficial Life Agency |
 |
 |
|
|
|
|
|
| SmartDrive Car Insurance |
 |
| underwritten by |
| SmartDrive provides you and your car with All-in-One protection, plus many extra value added benefits, and around the clock assistance when you need it most. |
| Comprehensive coverage for loss or damage to your vehicle against the following: (a) accidental collision or overturning (b) collision or overturning caused by mechanical breakdown, (c) by collision or overturning caused by wear and tear, (d) by impact damage caused by falling objects provided no flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved. (e) by fire explosion or lightning, (f) by burglary, housebreaking or theft, (g) by malicious act, and (h) when in transit (including its loading and unloading) by: i) road rail inland waterway ii) direct sea route across the straits between the island of Penang and the mainland. |
| Key Benefits |
| Instant renewal of your car insurance via electronic transmission to the Road Transport Department. |
| Easy switching and hassle-free transfer of your No Claim Discount (NCD) if your vehicle is with another insurance company. |
| No loading / excess is imposed if your vehicle is less than 10 years old and the insured value is less than RM 150,000 |
| FREE AXA SmartDrive Assistance Plan (ASAP) - This is a value added roadside assistance program that provides a host of benefits and services for you free when you insure your car : |
| 24 hours hotline service 1-300-880-980 for immediate advice, assistance and general claim information |
| Towing services when your car meets with an accident or breakdown |
| 6 months repair warranty |
 |
| OPTIONAL BENEFITS WITH PAYMENT OF ADDITIONAL PREMIUM |
| Windscreen Covers the breakage of glass in windscreen, front, rear and side windows. The damaged windscreen wil be replaced and your No-claim-Discount (NCB) will not be affected. [Premium charged - 15% of the windscreen amount insured] |
| Strike, Riot & Civil Commotion Covers your vehicle against damage caused by strike, riot and civil commotion. [Premium charged - 0.3% x Sum Insured of your vehicle. |
| Flood, Storm, Landslide, Landslip or Subsidence Cover Covers your vehicle against damage caused by the above perils.. [Premium charged - 0.5% x Sum Insured of your vehicle. |
| Legal Liability to Passengers - Private Use Vehicle This benefit protects the Insured against legal liability to the passenger in the event of a claim. [Premium charged - 25% of Third Party Premium. Basic Premium up to 5 persons only. Note: It is an offence under the law of the Republic of Singapore to enter the country without extending passenger liability cover to your motor insurance. |
| Legal Liability of Passengers - Private Use Vehicle Covers the legal liability of passengers for acts of negligence. [Premium charged - RM 7.50 per car] |
| Nation wide panel of workshops for your convenience. Click here to view a list of AXA's panel workshops. |
| EXCLUSIONS |
| The standard Motor Insurance Policy DOES NOT cover: |
| Your own death or bodily injury; |
| Your liability against claims from passengers; |
| Theft of non-factory fitted vehicles accessories (car stereos, leather seats, sports rims etc) unless otherwise declared; |
| Consequential loss, depreciation, wear and tear, mechanical or electrical breakdown failures or breakages; and |
| Loss/damage arising from an act of nature e.g. flood, landslide and landslip. |
| If you like to know more, please give us a call at : 012-286 0363, 012-202 8807, or e-mail us at benlife@gmail.com |
|
|
|
|
 |
| IMPORTANT POINTS TO CONSIDER |
| Insured value / sum insured |
| When insuring your vehicle, ensure that your vehicle is adequately insured as it will affect the amount you can claim in the event of loss/damage. For a new vehicle, the insured value will be the purchase price while for other vehicles, the insured value is the market value of the vehicle at the point you apply for the insurance policy. |
| Under-insurance - If you insure your vehicle at a lower sum than its market value, you will be deemed as self-insured for the difference, i.e. in the event of loss/damage, you will only be partially compensated (up to the proportion of insurance) by your insurance company. |
|
| AXA SMART DRIVE ASSISTANCE - FREE WITH AXA MOTOR POLICY * 24-hour toll free line assistance Call : 1-300-880-980 * Nationwide network of workshops * 6 months^ warranty on repairs by AXA's panel workshops * Any many more ^ For Comprehensive Private Car Only |
 |
| Service. Value. Protection. |
 |
|
|
|
|
|
|
|
| PANEL WORKSHOPS NATIONWIDE Click Here to View Listing of Panel Workshops |
|
 |
|
|
|
| Commercial : |
|
 |
|
|
|
 |
|
| Personal |
|
| Critical Illness |
|
|
|
|