LONPAC INSURANCE

LONPAC INSURANCE BHD 199401021735 (307414-T)

CONFIDENTIAL

NOOR SHIDAH BT SULAIMAN
NO 12, JALAN PERMAI 2,
TAMAN KERIAN PERMAI
34200 PARIT BUNTAR

PRIVATE CAR W/17040/KUL-LCF
SECURE -
21/VP02/Mar v-1.0.1
COMPREHENSIVE

Policy No. : W/21/VP02/542853/KUL-65
Account No. : W17040/KUL-9

PRIVACY POLICY
For information on our privacy policy, please visit our website https://www.lonpac.com/home/privacy-policy

Bagi maklumat mengenai polisi privasi kami, sila lawat laman web kami https://www.lonpac.com/home/privacy-policy
PRODUCT DISCLOSURE SHEET

For general information on our products, you can refer to the Product Disclosure Sheet at https://www.lonpac.com/downloads#product-disclosure-sheets
Bagi maklumat am mengenai produk kami, sila rujuk Lembaran Pendedahan Produk di https://www.lonpac.com/downloads#product-disclosure-sheets

Lonpac Road Assist CONFIDENTIAL

Membership Guide Scan To Save The
Road Assist Hotline
In Your Contacts For

Easy Access

Welcome To The Family. 4 Steps To Follow When You Encounter
Your Lonpac Road Assist A Car Breakdown Or An Accident
Membership Is Confirmed.
01. Call
Congratulations! You are now a member
of Lonpac Road Assist and thank you for Call Lonpac Helpline to ask for assistance at 1300-88-1138 or
allowing us to be another step closer to you. use the Lonpac Road Assist App for help.

With Lonpac Road Assist, it is just a phone 02. Describe Incident
call away at 1-300-88-1138 in the event you
need assistance. Explain the problem you encounter and reveal your location.
If you are using the Lonpac Road Assist App, it will automatically
Our reliable and well trained customer detect your location.
service will assist you to get on your way.
03. Confirmation
Flip this sheet for the list of benefits and
other additional info. You will be informed of the tow truck’s registration number and
driver’s name.

04. Stay Safe & Wait

Prompt and reliable assistance will be on its way.

Emergency App: 24 24-Hours Hotline:
H R S24
Lonpac Road Assist 1300-88-1138
HRS Be ready with your car registration number
Hassle-free 24/7 Roadside Assistance, when making the emergency call.
At Your Fingertips. HHEELPLP! !

Charges

Should the total towing charges exceed RM400, the extra charges incurred shall be borne
by your goodself.

All costs incurred in the workshop including replacement of car spare parts and road toll
charges, if any, will be borne by your goodself, except for cases with accident claims.

W/21/VP02/542853/KUL-65

Lonpac Insurance Bhd 199401021735

CONFIDENTIAL

Lonpac Road Assist Helpline

1300 88 1138

Your Benefits Exceptions

24-hour Minor Roadside Repairs* Any attempt to supply or initiate any false, fraudulent or misleading
In the event where your car is immobilised due to a information, or make any misrepresentation to us in order to take
breakdown, our mechanic will try to repair your car on the advantage of this service.
spot. Minor roadside repairs are any repairs that are deemed
possible on the spot. Service outside the territorial limits.
Labour will be provided for FREE for the minor roadside
repairs. Towing from a repair facility when work on the vehicle has begun, or to
tow the vehicle from a repair facility to another location or facility.
24-hour Emergency Towing Services*
Lonpac E-Assist will provide free towing service up to Cost of repair or replacement of parts and components in the
RM400 (round trip) per event. workshop or service centre.
If it is due to breakdown, you may either tow your car to your
preferred workshop or back to your home. Petrol, toll charges, taxi fare, accommodation and telephone charges.
If it is due to accident, Lonpac E-Assist will tow your car to
the nearest police station to lodge a police report and then Towing service for a mechanical breakdown due to lack of petrol.
to Lonpac's panel workshop/authorised franchise
repairer/dealer for repairs. Towing for non-mechanical reasons including but not limited to, towing
Emergency towing services will be provided for FREE up to to/from storage locations, metal recycling facilities, or after the vehicle
a maximum limit of RM400 (round trip) per event. However, has been sent for a spray job.
any extra charges incurred will be borne by your goodself.
Towing or breakdown assistance due to catastrophic events or Act of
Car Rental Referral Service God such as earthquake, flood and windstorm.
In the event you require urgent use of another car following
a breakdown or an accident, Lonpac E-Assist will assist you Member or the authorised driver did not possess a valid driving license
to arrange for car rental. issued by a competent authority.
Services provided are purely on referral arrangement basis
and all costs incurred will be borne by the member. Where any such services are required and/or interrupted and/or,
delayed due to nationwide power failure, or in any way affected due to
Arrangement for Hotel Accommodation Events of Force Majeure.
In the event where the breakdown or an accident happens
late at night, Lonpac E-Assist will assist you with hotel Failure of the Member to take reasonable precautions or to follow
reservation at a nearby hotel. warnings of any intended strike, riot or civil commotion via the mass
Services provided are purely on referral arrangement basis media.
and all costs incurred will be borne by the member.
Any illegal or unlawful act by the Member or the use of the Named
Panel Workshops Referral Services Vehicle for any unlawful or illegal purposes.
Lonpac E-Assist will assist you to find your nearest panel
workshop from our list of more than 350 workshops If the Named Vehicle appears to be configured for rally, racing,
throughout Malaysia following a breakdown or an accident. motoring competition, or performances, or if the Named Vehicle has
been modified against government regulations.
Car Locksmith Services
If you are locked out of your car, we will arrange for a When the Named Vehicle does not have an engine or mechanical parts.
Locksmith to assist and unlock your car for Free. If it is not
possible to unlock your car, we will arrange for Free car When towing is for the reason to dispose the Named Vehicle
towing to the nearest Lonpac's Panel of Workshop or your
preferred workshop up to a Maximum Limit of RM400 per Towing for discovered stolen Named Vehicle, abandoned or vandalised
event (round trip). vehicle
Important: Services will be provided subject to Proof of Car
Ownership Confirmation and the Member must be Physically Vehicle that is left unattended.
Present with the car.
The vehicle concerned is not in a road worthy condition.
Transmission of Emergency Information
Upon request, we will send urgent messages (call or text When there is no valid road tax disc displayed on the Named Vehicle.
message) to your family, friends and business colleagues
during an emergency for Free. When special towing and/or special equipment is required during the
course of providing the towing services for the Named Vehicle which,
*The 24-hour emergency towing services shall be made in the sole opinion of the Company, are considered high risk and/or
available by the Company in the event the Named Vehicle is reasonably impracticable.
immobilized at any place within the geographical areas of
Peninsular Malaysia (excluding all islands, except for Penang The vehicle concerned was carrying more passengers or towing a
and Langkawi). In East Malaysia, such services shall be made greater weight than for which it was designed as stated in the
available within a radius of 25km from the city centre of Kota manufacturer’s specifications or arising directly from unreasonable
Kinabalu, Sandakan, Tawau, Labuan, Sibu, Bintulu, Miri, driving of the vehicle on unsuitable terrain.
Kuching or along the Pan Borneo highway.
For any other reasons Lonpac is of the opinion that the request is not
W/21/VP02/542853/KUL-65 honest, genuine or appropriate.

Suspension or Termination
As this service is purely complimentary, Lonpac may suspend/ terminate
the Lonpac Road Assist membership immediately and without notice for
any reason whatsoever.
Subject to applicable laws, we will not be liable to you or any third party
for any loss or damage whatsoever suffered as a result of any such
suspension/ termination/exclusion.

Important Notice
Please do not make your own car assistance arrangement through a third
party / other service provider (services not organised directly by Lonpac
Road Assist), as Lonpac will not reimburse any costs incurred.
Services are not available to breakdown beyond gazetted roads e.g.
jungle roads (Note: If the car is loaded with goods, arrangements can be
made to transfer and transport the concerned goods but all costs will be
borne by the member).
Programme terms and conditions apply. Lonpac Insurance Bhd reserves
the right to change, alter or withdraw this programme as and when it
deems fit or if it is required by regulatory agencies and no prior notice will
be given to the member.

LONPAC INSURANCE BHD 199401021735 (307414-T) CONFIDENTIAL

Head Office: LG, 6th, 7th, 21st to 26th Floor, Bangunan Public Bank, No.6, Jalan Sultan Sulaiman, 50000 Kuala Lumpur.
P.O.Box 10708, 50722 Kuala Lumpur.
Tel: (03) 2262 8688, 2723 7888 Fax: (03) 2715 1332, 2078 7455, 2034 2654, 2715 0722, 2072 3385, 2715 0696, 2723 7886
Website: www.lonpac.com
(Service Tax No. : W10-1808-31041975)

THE SCHEDULE

JADUAL

Class of Policy : PRIVATE CAR SECURE Policy No. : W/21/VP02/542853/KUL-65
: COMPREHENSIVE
Jenis Insurans No. Polisi

PIAM Sub-product : ENHANCED PRIVATE CAR POLICY Type of Cover
Type
Perlindungan yang Diberi
Jenis Sub-Produk PIAM

Insured : NOOR SHIDAH BT SULAIMAN Replacing CN/Policy No. : CNA4433396
Menggantikan No. Nota Perlindungan/Polisi
Pihak Diinsuranskan

Address : NO 12, JALAN PERMAI 2, Account No. : W17040/KUL-9 H /
TAMAN KERIAN PERMAI
Alamat 34200 PARIT BUNTAR No. Akaun

I/C No./ : Old - Date of Signature of Proposal : 31/07/2021
Lama & Declaration
Passport No.
: New - 790526-08-5598 Tarikh Tandatangan Cadangan & Akuan
No. K/P Baru

Business or : OTHERS
Profession

Perniagaan atau
Pekerjaan

Period Of Insurance Tempoh Insurans

(a) From 31/07/2021 To 30/07/2022 (both dates inclusive)

Dari Hingga (termasuk kedua-dua tarikh)

(b) Any subsequent period for which the Insured shall pay and the Company shall agree to accept a renewal premium.

Sebarang tempoh selanjutnya di mana Pihak diinsuranskan hendaklah membayar dan Syarikat hendaklah bersetuju untuk menerima premium
pembaharuan.

H.P.Owner/Lessor/Employer : MAYBANK BERHAD

Pemilik Sewa Beli/Pemberi Pajak/Majikan

Description of Vehicle Perihal Kenderaan The Policy's Premium Premium Polisi

Vehicle/Trailer Regn. No. : ALR 7579 Premium : RM 2,895.71
No. Pendaftaran Kenderaan/Treler Premium : RM 1,592.64
: ISUZU D-MAX TYPE B MY16 : RM 1,303.07
Make & Model of Vehicle RT FACELIFT 4D DOUBLE NCD - 55.00 % : RM
Buatan & Model Kenderaan CAB PICK-UP 6 SP DTT : RM 78.18
AUTOMATIC CONVENTIONAL : RM 10.00
Gross Premium 1,391.25
Premium Kasar

Type of Body : MOTORCAR Service Tax
Jenis Badan : Cukai Perkhidmatan
: RZ4EUC7688
Regn. Card No. : PLZTFS87JKP000869 Stamp Duty
No. Kad Pendaftaran : 2019 Duti Setem
: 1898
Engine No. Total Premium
No. Enjin Premium Keseluruhan

Vehicle/Trailer Chassis No. W/17040/KUL-LCF
No. Casis Kenderaan/Treler

Year of Manufacture
Tahun Diperbuat

c.c./Tonnage/Others

Seating Capacity :5 21/VP02/Mar v-1.0.1
Muatan Tempat Duduk : RM 76,000.00

Vehicle Sum Insured
Jumlah Insurans untuk Kenderaan

Page 1 of 4

LONPAC INSURANCE BHD 199401021735 (307414-T) CONFIDENTIAL

Head Office: LG, 6th, 7th, 21st to 26th Floor, Bangunan Public Bank, No.6, Jalan Sultan Sulaiman, 50000 Kuala Lumpur.
P.O.Box 10708, 50722 Kuala Lumpur.
Tel: (03) 2262 8688, 2723 7888 Fax: (03) 2715 1332, 2078 7455, 2034 2654, 2715 0722, 2072 3385, 2715 0696, 2723 7886
Website: www.lonpac.com
(Service Tax No. : W10-1808-31041975)

THE SCHEDULE

JADUAL

Class of Policy : PRIVATE CAR SECURE Policy No. : W/21/VP02/542853/KUL-65

Jenis Insurans No. Polisi

Subject to following endorsements as printed in this policy or added thereon or attached thereto:

Tertakluk kepada pengendorsan tercetak di polisi, atau ditambah, atau dilampirkan kepadanya:

1 - EXCESS ALL CLAIMS

LEBIHAN SEMUA TUNTUTAN

15 - HIRE PURCHASE

SEWA BELI

113 - REFERENCE TO MOTOR VEHICLE MARKET VALUATION SYSTEM

RUJUKAN UNTUK SISTEM PENILAIAN NILAI PASARAN KENDERAAN

Excess : SECTION A

Lebihan Policy Excess : RM0.00
: RM400.00
Named Drivers Lebihan Polisi

Pemandu Dinamakan Compulsory Excess

Lebihan Wajib

: ANY AUTHORISED DRIVERS

The above are subject to the terms, exclusions, provisions and conditions of this policy.

Perkara di atas tertakluk kepada terma, pengecualian, peruntukan dan syarat polisi ini.

LONPAC INSURANCE BHD

DEPUTY CHIEF EXECUTIVE OFFICER

ELECTRONIC CREDIT PAYMENT FOR MORE INFORMATION ON OUR NETWORK
We encourage you to opt for the Electronic Credit Payment (ECP)
facility to allow any Premium Refund and/or Claims Payment to Please scan the QR code below for more information on
be conveniently credited into your bank account. how to contact us and the location of our headquarters and
https://www.lonpac.com/home/faq#e-payment-facility our branches.

ELECTRONIC DOCUMENT DELIVERY Alternatively, you may visit our website at:
You may choose to receive soft copy of your insurance https://www.lonpac.com/contact/our-network
documents via email for a faster and more effective delivery.
For Registered User :
https://www.elonpac.com/ePortal/system/application/loginframe.js
p?pg=1

For Unregistered User :
https://www.elonpac.com/ePortal/user/application/user_
registration.jsp

W/17040/KUL-LCF

21/VP02/Mar v-1.0.1

Page 2 of 4

LONPAC INSURANCE BHD 199401021735 (307414-T) CONFIDENTIAL

Head Office: LG, 6th, 7th, 21st to 26th Floor, Bangunan Public Bank, No.6, Jalan Sultan Sulaiman, 50000 Kuala Lumpur.
P.O.Box 10708, 50722 Kuala Lumpur.
Tel: (03) 2262 8688, 2723 7888 Fax: (03) 2715 1332, 2078 7455, 2034 2654, 2715 0722, 2072 3385, 2715 0696, 2723 7886
Website: www.lonpac.com
(Service Tax No. : W10-1808-31041975)

THE SCHEDULE

JADUAL

Class of Policy : PRIVATE CAR SECURE Policy No. : W/21/VP02/542853/KUL-65

Jenis Insurans No. Polisi

If you would like to lodge a complaint, kindly refer to our Complaints Unit:

Correspondence Address : Complaints Unit,
Lonpac Insurance Bhd,
LG Floor, Bangunan Public Bank,
No. 6, Jalan Sultan Sulaiman,
50000 Kuala Lumpur

Telephone : 03-2262 8688, 03-2723 7888

Facsimile : 03-2715 1332

E-mail Address : [email protected]

If you are not satisfied with the response or final decision from us, kindly check with our Complaints Unit on the organisation you should
refer to : Either the Ombudsman for Financial Services (Tel: 03-2272 2811) or Bank Negara Malaysia (Tel: 1-300-88-5465)

NOTICE / PEMBERITAHUAN
For all intents and purposes where there is a conflict or ambiguity as to the meaning in the Bahasa Malaysia provisions of any part of the Contract,

it is hereby agreed that the English version of the Contract shall prevail.

Bagi tujuan dan maksud sekiranya terdapat konflik atau kekaburan berkenaan makna di dalam peruntukan Bahasa Malaysia tentang mana-mana
bahagian Kontrak, adalah dipersetujui bahawa Kontrak versi Bahasa Inggeris akan digunakan.

It is particularly requested that this Policy be carefully read and at once returned to the Company should any correction be necessary.

Adalah disarankan Polisi ini di baca dengan teliti dan hendaklah dikembalikan kepada Syarikat dengan segara sekiranya terdapat apa-apa
pembetulan yang perlu dibuat.

W/17040/KUL-LCF

User ID : SYS-W17040KUL 21/VP02/Mar v-1.0.1
Date Issued : 31-07-2021

Page 3 of 4

THIS PAGE IS INTENTIONALLY LEFT BLANK W/17040/KUL-LCF

Page 4 of 4 21/VP02/Mar v-1.0.1

LONPAC INSURANCE BHD 199401021735 (307414-T) CONFIDENTIAL

Head Office: LG, 6th, 7th, 21st to 26th Floor, Bangunan Public Bank, No.6, Jalan Sultan Sulaiman, 50000 Kuala Lumpur.
P.O.Box 10708, 50722 Kuala Lumpur.
Tel: (03) 2262 8688, 2723 7888 Fax: (03) 2715 1332, 2078 7455, 2034 2654, 2715 0722, 2072 3385, 2715 0696, 2723 7886
Website: www.lonpac.com
(Service Tax No. : W10-1808-31041975)

PRIVACY POLICY

The personal data you have provided to Lonpac Insurance Bhd (“Personal Data”) will be processed for the purpose of processing your

insurance application/proposal, provision of insurance related products or services or any addition, alteration, variation, cancellation, renewal or
reinstatement thereof, performing statistical/actuarial research or data study, promoting products and services and other related purposes
(collectively, “Purpose”).

Although you are not obliged to provide us with your Personal Data, we will not be able to process your application for insurance cover or
process your claim if you fail to provide all requested information.

Your Personal Data may be disclosed to any related company or any other company carrying on insurance or reinsurance related business or an
intermediary or a claims or investigation or other service provider and to any association, federation or similar organisation of insurance
companies that exists or is formed from time to time for the Purpose or to fulfil some legal or regulatory function or is reasonably required in the
interest of the insurance industry.

We may also disclose your Personal Data where such disclosure is required under the law, court orders or pursuant to guidelines issued by
regulatory or other relevant authorities, if we reasonably believe that we have a lawful right to disclose your Personal Data to any third party or
that we would have had your consent for such disclosure if you had known of the same, and/or if the disclosure is in the public interest.

Please be informed that your Personal Data may also be transferred to companies which may be located outside Malaysia for the Purpose.

You may make inquiries, complaints or request for access to or correction of your Personal Data or limit the processing of your Personal Data at
any time hereafter by submitting such request to:

Data Protection Officer
Address:

Lonpac Insurance Bhd
P.O. Box 10708
50722 Kuala Lumpur
Telephone : 03-2262 8688

Facsimile : 03-2715 1332

E-mail :[email protected]

We trust that you will consent and agree to the terms above with respect to the processing of your Personal Data.

POLISI PRIVASI

Data peribadi yang anda beri kepada Lonpac Insurance Bhd (“Data Peribadi”) akan diproses untuk tujuan memproses permohonan/cadangan
insurans, penyediaan produk atau perkhidmatan berkaitan insurans atau sebarang penambahan, pindaan, perubahan, pembatalan,
pembaharuan atau penyambungan, pelaksanaan penyelidikan statistik/aktuari atau kajian data, promosi produk dan perkhidmatan dan untuk
tujuan lain yang berkaitan (secara bersama, “Tujuan”)

Walaupun anda tidak diwajibkan untuk memberi kami Data Peribadi anda, kami tidak dapat memproses permohonan anda untuk perlindungan
insurans atau memproses tuntutan jika anda tidak memberikan semua maklumat yang diminta.

Data Peribadi anda mungkin didedahkan kepada mana-mana syarikat berkaitan atau mana-mana syarikat lain yang menjalankan perniagaan 14/PRN/PDPA/May v1.0.0
berkaitan insurans semula atau syarikat perantara atau tuntutan atau penyiasatan atau penyedia perkhidmatan lain dan kepada mana-mana
persatuan, persekutuan atau organisasi syarikat insurans serupa yang wujud atau yang ditubuhkan dari semasa ke semasa untuk Tujuan
tersebut atau untuk memenuhi fungsi perundangan atau peraturan atau diperlukan dengan sewajarnya demi kepentingan industri insurans.

Kami juga mungkin mendedahkan Data Peribadi anda apabila pendedahan sedemikian diperlukan di bawah undang-undang, atas arahan
mahkamah atau menurut garis panduan yang dikeluarkan oleh pihak berkuasa kawal selia atau pihak berkuasa lain, jika kami percaya bahawa
kami mempunyai hak di bawah undang-undang untuk mendedahkan Data Peribadi anda kepada mana-mana pihak ketiga atau mungkin akan
mendapatkan persetujuan bagi pendedahan tersebut jika anda mengetahui tentangnya, dan/atau jika pendedahan adalah berasaskan
kepentingan umum.

Anda dimaklumkan bahawa Data Peribadi anda juga boleh dipindahkan kepada syarikat-syarikat yang mungkin terletak di luar Malaysia
untukTujuan tersebut.

Anda boleh membuat pertanyaan, aduan atau permintaan untuk mendapatkan atau membetulkan Data Peribadi anda atau mengehadkan
pemprosesan Data Peribadi pada bila-bila masa selepas itu dengan mengemukakan permintaan tersebut kepada:

Pegawai Perlindungan Data
Alamat :
Lonpac Insurance Bhd
P.O. Box 10708
50722 Kuala Lumpur
Telefon : 03-2262 8688
Faksimile : 03-2715 1332
E-mel :[email protected]

Kami yakin bahawa anda akan memberikan kebenaran dan bersetuju dengan terma di atas berkaitan dengan pemprosesan Data Peribadi anda.

PRODUCT DISCLOSURE SHEET LONPAC INSURANCE BHD 199401021735 (307414-T)

(Please read this Product Disclosure Sheet before you decide Private Car Secure – Comprehensive Insurance
to take out Private Car Secure. Be sure to also read the (PIAM Sub-product Type: Enhanced Private Car Policy)
general terms and conditions.)

01 October 2020

1. What is this product about?

This policy indemnifies you against your liabilities to third parties for injury or death, damage to third parties’ property, and accidental or fire
damage to your vehicle or theft of your vehicle.

2. What are the covers / benefits provided?

This policy covers :
A. Loss or damage to your own vehicle due to accidental fire, theft or accident.
B. Your liability or your authorised driver’s liability to third parties for:

 bodily injury and death; and
 property loss or damage.

C. Additional benefits:  auto reinstatement of sum insured for windscreen,

 transportation allowance windows and sunroof after repair

 impact damage cover caused by falling objects due  special waiver of named driver requirement under

to convulsion of nature compulsory excess

 document replacement allowance during Smash and

Grab whilst in the car

Optional benefits that you may wish to purchase by paying additional premium:

 Breakage of glass in windscreen, window or sunroof  Compensation for Assessed Repair Time

 Passenger liability cover (Legal Liability to Passengers)  Current year NCD relief

 Strike, riot and civil commotion  Vehicle accessories

 Damage arising from flood, typhoon, hurricane,  e-Hailing

storm, tempest, volcanic eruption, earthquake,  Betterment Buyback
landslide, landslip or sinking of the soil/earth or other

convulsion of nature

Note: Passenger liability cover - It is an offence under the law of Republic of Singapore to enter the country without extending
passenger liability cover to your motor insurance.
i)
e-Hailing cover - It is compulsory by law to add e-hailing cover to your private car insurance if your car is being used to carry
ii) passengers for hire and reward under e-hailing service (eg: Grab Car, etc).
Your NCD may be affected if a claim is made when you are under the e-hailing cover.
There will be no premium refund if you cancel your e-hailing cover during midterm of the policy period.

3. How much premium do I have to pay?

The premium you have to pay may vary depending on your vehicle profile (e.g. sum insured, make & model, cubic capacity of your vehicle),
your personal profile (e.g. driving experience, age), NCD entitlement, optional benefits required and our underwriting requirements.

The estimated total premium that you have to pay is: RM .

4. What are the fees and charges that I have to pay?

 Commission to the insurance agent  10%
 Service Tax  6%
 Stamp duty  RM10

5. What are some of the key terms and conditions that I should be aware of?

 Duty of disclosure
Consumer Insurance Contract

- Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance wholly for purposes

unrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering
the questions in the Proposal Form (or when you apply for this insurance). You must answer the questions fully and accurately.

- Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction

of your claim(s), change of terms or termination of your contract of insurance.

- The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us.
- In addition to answering the questions in the Proposal Form (or when you apply for this insurance), you are required to disclose any

other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied.

- You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed

with us any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed.

Non-Consumer Insurance Contract

- Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this Insurance for a purpose

related to your trade, business or profession, you have a duty to disclose any matter that you know to be relevant to our decision in
accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances
could be expected to know to be relevant, otherwise it may result in avoidance of your contract of insurance, refusal or reduction of
your claim(s), change of terms or termination of your contract of insurance.

- The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us.
- You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with

us any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed.

 Cash before cover - Premium must be paid directly to us or to the agent representing us before cover can be granted.

 Compulsory excess - In addition to the Excess shown in your Policy Schedule, if your car is driven by a person who is under age 21

or a L-Licence or P-Licence holder, the amount of loss you have to bear is RM400.

 Under/Over Insurance
- Lonpac is using ISM Automotive Business Intelligence System (ISM) in deciding / recommending the value of vehicle either for the

sum insured or settlement claim. Periodically, ISM releases its latest value as displayed in our system or document as Current ISM
Value.

- You must ensure that your vehicle is insured at the appropriate amount and minimum appropriate amount of sum insured is as per

Current ISM Value. However, we recommend you to insure your vehicle at Lonpac Recommended Sum Insured. If your sum insured
is higher than Current ISM Value, we will allow Endorsement 87 – Agreed Value Clause into your policy.

- If you want to insure at sum insured higher than Lonpac Recommended Sum Insured, please approach our agent / office for

verification and approval.

- If you do not agree to our proposed sum insured and decided to insure at sum insured lower than Current ISM Value, Endorsement

113 – Reference to Motor Vehicle Market Valuation System will be applied to your policy.

- If your vehicle valuation is not available in ISM system, please contact our agent / office to get our recommended sum insured. If you

agree to insure as per our recommendation, we will allow Endorsement 87 – Agreed Value Clause to your policy.

 Basis of Settlement for loss or damage to your own vehicle

- If your car is insured higher than Current ISM Value, the cover is subject to Endorsement 87-Agreed Value Clause. In the event of

any claim, the maximum payable amount is per the policy sum insured and not the market value of the vehicle.

- If your car is insured lower than Current ISM Value, the cover is subject to Endorsement 113 – Reference to Motor Market Valuation

System. In the event of a claim, market value of your car and the maximum payable amount will be based on value as per ISM
system at the time of the loss or policy sum insured, whichever is lower. If value is not available in ISM, the market value will be
recommended by the loss adjuster. If the market value of your car at the time of the loss exceeds the sum insured by 10% or more,
you will bear part of the loss yourself proportionally.
 Claims

- After an event which may become the subject of a claim under the policy,

a) please make a police report within 24 hours and immediately notify us in writing with full details
b) betterment would be applied for your vehicle aged five years and above
c) you may not be entitled to a NCD on renewal of your policy.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of terms and conditions under this policy.

6. What are the major exclusions under this policy?

This policy does not cover certain losses, such as:

 Your own death or bodily injury due to a motor accident;
 Your liability against claims from passengers in your vehicle;
 Loss, damage or liability arising from an act of nature i.e. flood, storm or landslide;
 Loss, damage or liability arising out of the use of your private car being used to carry passenger for hire and reward including e-hailing

services- e.g. Grab Car etc.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

7. Can I cancel my policy?
You may cancel the policy at any time by giving written notice and your original Certificate of Insurance to us. Upon cancellation, any
refund of the premium would be based on the conditions stipulated in the policy contract.
8. What do I need to do if there are changes to my contact details?

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.

9. Where can I get further information?

Should you require additional information about motor insurance, please refer to the insuranceinfo booklet on ‘Motor Insurance’ at
www.insuranceinfo.com.my.
If you have any enquiries, please contact us at:

Authorised agent:

Customer Service Department Lonpac
Insurance Bhd
LG Floor, Bangunan Public Bank 6 Jalan
Sultan Sulaiman
50000 Kuala Lumpur
Tel : 03 2262 8688

Fax : 03 2715 1332

E-mail : [email protected]

10. Other types of motor insurance cover available

 Comprehensive cover  Third party, fire and theft cover
 Private Car Secure – Third party, fire and theft cover
 Third party cover

IMPORTANT NOTE:
YOU MUST ENSURE THAT YOUR VEHICLE IS INSURED AT THE APPROPRIATE AMOUNT AS IT WILL AFFECT THE AMOUNT YOU
CAN CLAIM. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND DISCUSS WITH THE AGENT OR CONTACT
US DIRECTLY FOR MORE INFORMATION.

Lonpac Insurance Bhd is licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia to transact all classes of
general insurance business.

This Product Disclosure Sheet is for general information only and is valid as at 01.10.2020.