Live life to the fullest and without worries with GoInsure Personal Accident, Motor and Travel Insurance. All in one app, All Also OK!
GoInsure Motor is a private car insurance package which provides insurance against liabilities to other parties for injury or death, damage to other parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle. It also provides cover such as unlimited towing, minor road side repairs, replacement car service, home burglary and full car body paint service subject to the terms and conditions of GoInsure Motor policy wording (“Policy Wording”).
GoInsure Motor is underwritten by Chubb Insurance Malaysia Berhad, Registration Number: 197001000564 (9827-A) (“Chubb”), an insurer licensed under the Financial Services Act 2013, regulated by Bank Negara Malaysia and is promoted by U Mobile Services Sdn Bhd (672884-H) (“U Mobile Services”) to its GoPayz customers.
Please refer to the Policy Wording made available at www.chubb.com/my-goinsure for more details.
GoInsure Motor provides coverage for the following:
|Type of Plan
|*Loss or damage to your car
||Up to the Sum Insured|
|*Liability to third party|
|**Towing and minor repair service|
|***Replacement Car Service
||Up to 10 days per incident.|
|***Hotel Accommodation Reimbursement
||Up to RM200 per day and up to a maximum of 5 days per incident
||Up to RM200 per day and up to a maximum of 10 days per incident|
|Home Burglary Cash Relief due to burglary at Your house
||RM1,000 per incident and up to a maximum of 2 incidents during the period of insurance.|
|*Full car body paint service
||Up to RM3,000 per incident|
|*Cleaning Cost of the vehicle
||Up to RM1,000 per incident|
|Handbag And wallet guard due to break-in to the vehicle
||Up to RM1,000 per incident and up to a maximum of 2 times during the period of insurance|
||Up to the Sum Insured
*Due to accident only
**Due to accident or vehicle breakdown
***Due to accident or vehicle breakdown which occurs 100km away from home and the repairs will take more than 48 hours
Optional endorsement that you may wish to purchase by paying additional premium:
GoInsure Motor is exclusively offered to GoPayz users and any individual for whom the GoInsure Motor is purchased for via the GoPayz customers’ GoPayz Account who meet the following requirement (“Third Party”):
i. Malaysian citizens or permanent residents with valid NRIC; and
ii. aged 18 years and above with a valid driving license.
The purchase of GoInsure Motor is subject to the terms and conditions of the Policy Wording.
GoInsure Motor provides coverage for private cars below 15 years old from its manufacturing date that are registered with Jabatan Pengangkutan Jalan Malaysia (JPJ) and used within Malaysia only.
The insurance coverage period under GoInsure Motor is 1 year.
The coverage period shall start from the period of insurance as provided in the application and once the premium payable is successfully deducted from your GoPayz Account or debit card account linked to your GoPayz Account or charged to your credit card linked to your GoPayz Account.
As an illustration, if you sign up for GoInsure Motor on 13 February 2020 and the premium is successfully deducted from your GoPayz Account or debit card account linked to your GoPayz Account or charged to your credit card linked to your GoPayz Account, you can opt for the coverage period to commence from 13 February 2020 onwards. For example, if you select 15 February 2020 for the coverage period commencement, your coverage period will be 15 February 2020 until 14 February 2021.
You can purchase GoInsure Motor via GoPayz by selecting motor insurance tab and following the instructions provided.
Once you have successfully purchased GoInsure Motor, you will receive the GoInsure Motor e-policy document via e-mail from Chubb within 3 working days from the date of successful purchase.
The premium for GoInsure Motor will be deducted from your GoPayz Account or the debit/credit card you provide at the point of registration (depending on the payment method you select).
It is essential to insure your vehicle at the market value and not any value you choose to avoid under-insurance.
For clarity, under-insurance occurs if:
The sum insured of your car is less than the market value at the time of the loss, we will only bear part of the loss in proportion to the difference between the market value and the sum insured as shown in the formula below:
|Sum Insured||x||Assessed Loss|
The balance of the loss amount incurred and not covered under GoInsure Motor has to be borne by you. However, this will only apply if the under-insured amount is more than 10% of the market value.
You can contact Chubb Motor Assist at 1300 88 0128, which is available 24 hours a day, 7 days a week for any assistance during an emergency or accident.
It is important that you inform Chubb of any changes in your contact details to ensure that all the correspondence reach you on a timely manner.
If there are any changes to your contact details, you may notify Chubb by downloading the Personal Data Correction Request Form from www.chubb.com/my-goinsure and email the duly completed form to Chubb at goinsure.MY@chubb.com
If your claim is payable under GoInsure Motor, Chubb will remit the benefit payment within 14 working days from the day the claim is approved, subject to Chubb’s receipt of complete and correct documentation and the terms and conditions of the policy wordings
You can view the transaction history of the GoInsure Motor purchased and payment details for the past 3 months via your GoPayz account under the “Transaction” tab.
i. Yes, you will be entitled to receive coverage until the expiry of the coverage period of such terminated GoPayz account.
ii. As an illustration, if your GoInsure Motor is effective on 1 February 2019 and your GoPayz Account is terminated on 7 May 2019, your GoInsure Motor will be continued until 29 February 2020 (i.e. the expiry date of the GoInsure Motor coverage).