Investment-Linked Funds

Family Drive

Motor Insurance

You can buy this via

AIA life planner or online

WHAT IS THIS PRODUCT ABOUT

A first-of-its-kind motor insurance that provides all round protection to not only you and your car, but also your family who is travelling with you.

In addition to comprehensive motor protection against loss or damages to your car and 24-hour emergency roadside assistance, this plan also provides personal accident coverage for your entire family who is on the road with you. Because we understand that your family's safety is your ultimate priority.

What’s more is that you and your family can enjoy premium savings for insuring multiple cars with us.

Read more about Family Drive in Bahasa Malaysia.

Watch the product benefits explained

WHAT DOES IT PROVIDE?

COMPREHENSIVE MOTOR COVERAGE

Your car is protected against loss or damage due to accident, theft or fire. Furthermore, both driver and passengers are protected against legal liability to third party’s injury, death and property loss or damage.
PERSONAL ACCIDENT COVERAGE FOR DRIVER AND PASSENGERS

Anyone travelling in your car is automatically covered! Drivers and passengers travelling together will be protected against accidental death and permanent disablement. Double coverage is also provided for accidental death that occurs on a national public holiday.
FAMILY DISCOUNT

Enjoy a 5% premium discount on your second insured car onwards, when you and your family insure more than one car with us in a single household.
INCONVENIENCE ALLOWANCE

You will receive a lump sum allowance when your car is being repaired due to an accident, declared total loss or theft, to cope with inconveniences arising from loss of use of your car.
AUTOMATICALLY COVERS ALL DRIVERS

Anyone you trust to drive your car is covered automatically! You are no longer required to name your authorised drivers.
EXCESS WAIVER

No excess fee will be charged if your car is repaired at the AIA panel workshop or franchise workshop.
AIA ROADSIDE ASSIST

A sudden accident or breakdown in the middle of the highway can be stressful, especially when you are travelling with your family. AIA Roadside Assist stands by 24-hours to provide you with an array of value-added services to get you back on your journey safely.
OPTIONS TO ENHANCE YOUR MOTOR COVERAGE

Additional optional benefits are available for you to customise and widen the scope of your coverage.

Agreed value applied on the sum insured.

Waiver of betterment cost.

Windscreen coverage for repairs or replacement of your damaged windscreen and windows.

Coverage for loss or damage to your vehicle arising from flood, storm or landslide.

Compensation for Assessed Repair Time (CART).

Like what you've read so far? This is just the product summary. For more information on this product, please refer to the product leaflet and Product Disclosure Sheet. Click BUY ONLINE NOW to proceed with your purchase or speak to an AIA Life Planner.

THE TERMS & CONDITIONS AT A GLANCE

- COLLAPSE + EXPAND

You must disclose all material facts such as previous accidents, claims experiences and any modification to your vehicle's engine.
You must ensure that your vehicle is insured at an appropriate amount. For a new vehicle, the insured value is the purchase price while for other vehicles, the insured value is the market value of your vehicle when you apply for this policy.
Over-insurance - this occurs when you insure your vehicle for a sum higher than the market value, which means you would have paid a higher premium than necessary. When you make a claim, we will only pay you the market value of your vehicle at the time of loss.
Under-insurance - this occurs when the sum insured for your vehicle is lower than the market value. If you are under insured, what we pay you may not cover your losses and you will have to pay the difference.
The over-insurance and under-insurance will not be applicable if customers choose Agreed Value.
Valuation - the market value of your vehicle would be determined in the event of a dispute by the Head Office of the Franchise-holder. In the event of no Franchise-holder is available for the make of your vehicle, the market value of the vehicle would be determined by a Loss Adjuster licensed under the Financial Services Act 2013 and its subsequent legislation, agreed to by both you and us.
Principle of Indemnity - based on this principle, the insurance cover will compensate your loss by putting you back to the same position you were in immediately before the loss. You cannot 'profit' from a motor insurance claim.
Excess - this is the amount of loss you have to bear while we will pay for the balance of your vehicle damage claim. If you have an 'excess' on your policy, you must pay the amount of the 'excess' direct to the repairer.
Betterment - this occurs when in the course of repairing an accident-damaged vehicle, an old part is replaced with a new franchise part. In line with the principle of indemnity, you will have to bear the difference in costs as your repaired vehicle is in a better condition after the accident with the new franchise part.
Accident and claims procedure - you should obtain details of the accident such as the vehicles involved, lodge a policy report within 24 hours of the accident, notify us immediately and submit the claims form with complete supporting documents. You are advised to deal only with PIAM Approved Repairers Scheme (PARS) Workshop.
If you are not at fault in the accident, you can submit the claim either directly to the insurance company of the party at fault, or to us under Own Damage Knock-for-Knock claim, without losing your No-Claim-Discount (NCD) entitlement. You are encouraged to submit your claim to us for speedier claim processing.

EXCLUSIONS

You are not eligible to claim the following from this policy:

Theft of non-factory fitted vehicle accessories (car stereos, leather seats, sports rim, 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 (unless Special Perils Optional Benefit is added).

This list is non-exhaustive. Please refer to the policy contract for the terms and conditions of this product.

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Family Drive

AIA life planner or online

WHAT IS THIS PRODUCT ABOUT

Watch the product benefits explained

WHAT DOES IT PROVIDE?

COMPREHENSIVE MOTOR COVERAGE

PERSONAL ACCIDENT COVERAGE FOR DRIVER AND PASSENGERS

FAMILY DISCOUNT

INCONVENIENCE ALLOWANCE

AUTOMATICALLY COVERS ALL DRIVERS

EXCESS WAIVER

AIA ROADSIDE ASSIST

OPTIONS TO ENHANCE YOUR MOTOR COVERAGE

THE TERMS & CONDITIONS AT A GLANCE

THE TERMS & CONDITIONS AT A GLANCE

EXCLUSIONS

Similar Products

Comprehensive Commercial Vehicle Insurance

Comprehensive Private Car Insurance