Frequently Asked Questions

Motor insurance is a compulsory class of insurance for all vehicles licensed to be used on public roads, as per the Road Transport Act 1987. It is a plan which covers the liability that you will have to pay to the third party in the event of accidental death, bodily injury or damages to the car. Besides that, it is compulsory to have at least a Third Party plan in Malaysia to be able to renew your annual road tax.

• Car insurance is compulsory for all Malaysia’s drivers whereas personal accident insurance is optional.
• Car insurance provides coverage for any damages to your car, injuries or death of the third party, and damages to third party’s property or car whereas personal accident insurance provides coverage for you if you face any injuries or death.

• Third Party - Third Party Coverage is the cheapest and most basic insurance as it provides very minimal coverage in the event of an accident such as injuries, deaths or damages to the third party's car. This insurance coverage will not protect you but instead, it will only protect the third party involved in the accident. You will not be able to claim for any damages made to your car, but you can claim for any compensation needed to be made to the third party.
• Third Party, Fire and Theft - Like the Third Party Coverage, it covers any claims made against you by a third party in the event of an accident which causes bodily injuries, death, property loss or damage caused by your vehicle. Besides that, this insurance policy provides extra coverage on any damages made from a fire or theft of your vehicle.
• Comprehensive Car Insurance - A Comprehensive Car Insurance has a wider protection coverage compared to the other packages. It has all the coverage in the Third Party, Fire and Theft Coverage but instead of covering only the third party, this insurance covers your vehicle too. You will be protected for any damages or loss caused to your vehicle which covers more than just fire and theft. However, not every car is applicable to this insurance as it depends on the car age.

We do offer additional coverage on top of your existing comprehensive motor insurance policy such as Windscreen Extension, Special Perils, Legal Liability to Passengers (LLP), Legal Liability of Passengers to Third Party (LLOP) and Strike, Riot & Civil Commotion (SRCC)​. We highly recommend that you opt for the most popular choice of add-on which is Windscreen and Special Perils while other add-ons are very much depending on your car usage. 

Another add-on to be considered is Personal Accident (PA) insurance which provides compensation and reimbursement to the policy holder or passengers in the event of an accident.

Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. PA insurance is affordable, convenient and easily added onto your existing, basic motor insurance policy.

NCD is a discount for drivers who have not made any insurance claims during the preceding years of the insured period. If you didn’t file any claims over the years, your NCD discount will increase, however, once you make a claim, your NCD will go to 0% again and after 1 year of paying your full premium, you start building your NCD again. Private cars can go up to 55% of NCD if no claims have been made within 5 years.

We're able to provide 13 quotations from below panel insurers: 

1. Allianz General Insurance
2. AmGeneral Insurance Kurnia)
3. AXA Affin
4. Berjaya Sompo
5. Etiqa General Insurance
6. Etiqa Takaful
7. Liberty Insurance 
8. Lonpac Insurance
9. MPI Generali
10. MSIG Insurance 
11. RHB Insurance 
12. Tokio Marine 
13. Zurich General Takaful

For more information about the panel insurers, please click here.

We follow the recommended sum insured which is based on the present market value by ISM Insurance Services Malaysia.

1. Price should NOT be the only determining factor when you buy or renew motor insurance especially with the detariffication of motor insurance in Malaysia.
2. Emergency assistance, roadside assistance and towing services – is it free or charge? look for T&Cs and hidden charges. 
3. Customer Service or Call Centres experience
4. Claims handling and insurer’s track record.
5. The sum insured; Don’t over-insure or Under-insure your vehicle  
6. Add-on protection that you’d like to include into your basic plan.
7. Cashback, rebate and rewards! Remember to check out their T&Cs.

Betterment is a portion of the cost that consumers will have to bear when the damaged part of the vehicle is replaced with a brand new original part. As the car will be in a better condition prior to the accident the insurance company will require the car owner to bear the difference in costs. This will be based on a scale of betterment adopted by the insurance industry as listed below (applies for both private use and commercial vehicles):
table

Age of vehicle and Rate applied (%)

• < 5 years old - 0%
• 5 years old - 15%
• 6 years old - 20%
• 7 years old - 25%
• 8 years old - 30%
• 9 years old - 35%
• 10 years and above - 40%

Nissan Commercial Vehicle - Betterment will apply as per charges scale issued by PIAM as above in the Betterment section. Your car can be repaired at any PIAM Insurers authorized repairers however its advisable to send your vehicles to TCEAS. Breakdown assistance is applicable up to RM300.00 provided by Tan Chong and accident towing is up to RM200.00 provided by insurers (on their discretion).

Non-Nissan Commercial Vehicle: Betterment will apply as per charges scale issued by PIAM as above in the Betterment section. Your car can be repaired at any PIAM Insurers authorized repairers including TCEAS. Accident towing up to RM200.00 provided by insurers (on their discretion).

We’re one of the pioneers in the insurance industry and we’ve been in the scene for more than 50 years. With that, it’s no question that today, we are a leading professional insurance consultancy based company providing all classes of general insurance for individuals, families and corporations in Malaysia.We launched innovative products through partnerships with our esteemed panel insurers to constantly meet customers’ ever changing needs. Have you heard of Niscare, GoCare, Rencare, TC GAP Protector, and TC Warranty Plus? If you haven’t, well, you should. These products provide a comprehensive package and attractive value-add benefits to you.

Don’t worry! We will be sending you reminders at least 30 days prior to your insurance expiry date.

You may reach us here at https://www.tanchonginsure.com/contact-tcibs/ We will revert to you soonest we can!

You can do it online at https://tcibsmobile.tanchonggroup.com/. Alternatively, you also can call us at 1800-88-8185, email us connect@tcibs.com.my or walk-in to our ETCM/ TCEAS Branches.