Professional Documents
Culture Documents
Haniza/DPB5013/PMM
General Insurance :
The Characteristics
Haniza/DPB5013/PMM
The Products
Haniza/DPB5013/PMM
Compulsory insurance
Regulated by the Road Transport Act 1987
Part IV : every motorist must insure any liability which he may incur
in respect of the death or bodily injury to a third party
caused by or arising out of the use of motor vehicles, with an
authorised motor insurer
Types of vehicle:
Private cars
Commercial vehicles
motorcycles
Haniza/DPB5013/PMM
Types of cover
Haniza/DPB5013/PMM
Haniza/DPB5013/PMM
Haniza/DPB5013/PMM
Haniza/DPB5013/PMM
Covers
10
fire insurance,
houseowners insurance,
householders insurance
Haniza/DPB5013/PMM
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fire,
lightning,
explosion of gas used for illuminating and
domestic purposes only
Haniza/DPB5013/PMM
The Extensions
Special
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perils
Riot, strike
Earthquake, volcanic eruption
Explosions
Lalang fire
Storms, tempest
Aircraft damage
Impact damage by road vehicle,
horses and cattles
Bursting or overflowing of water
tanks, pipes
Subsidence or landslip
Spontaneous combustion
Flood
Electrical installation
Coverages
Loss of rent
Other losses
Removal of debris
Architects and
surveyors fees
Sprinkler leakage
Haniza/DPB5013/PMM
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Haniza/DPB5013/PMM
Coverages :
Loss of rent
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Maximum of RM10,000
plus legal costs
Exclusions
Haniza/DPB5013/PMM
15
extensions :
Additional
perils
extended shall be
subjected to
additional premium
Haniza/DPB5013/PMM
Householders Insurance
(contents)
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Loss of rent
Breakage of mirrors
Fatal injury to the insured
caused by violence by
thieves or fire
Loss damage to the servant
Legal liability to the public
up to RM50000
Haniza/DPB5013/PMM
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Loss/damage caused by :
War, riot
Order of the government
Nuclear risks
Subsidence or landslip
Loss due to own
fermentation, natural
heating
Full theft
Riot, strike
Plate glass exceeding
RM500 per piece
Haniza/DPB5013/PMM
Liability Insurance
Haniza/DPB5013/PMM
18
Employers Liability
Haniza/DPB5013/PMM
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Public Liability
Haniza/DPB5013/PMM
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Products Liability
Haniza/DPB5013/PMM
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Theft Insurance
Haniza/DPB5013/PMM
22
Burglary Insurance
Haniza/DPB5013/PMM
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Money Insurance
Haniza/DPB5013/PMM
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25
Insurance Products
Life Assurance
Haniza/DPB5013/PMM
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Life Assurance :
The Characteristics
Haniza/DPB5013/PMM
27
The Policies
Haniza/DPB5013/PMM
28
Term Assurance
Haniza/DPB5013/PMM
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30
31
Endowment
Haniza/DPB5013/PMM
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33
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Whole-life endowment
Haniza/DPB5013/PMM
35
Annuities
Haniza/DPB5013/PMM
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37
The Policies
Haniza/DPB5013/PMM
38