Insurance
PRODUCTS / MOTOR
Motor
Drive with confidence and peace of mind with our reliable motor insurance plans. Designed to provide protection for your vehicle and yourself, our coverages ensure that you’re covered against unexpected accidents and incidents on the road. With insureKU, you can enjoy the freedom of the open road without worrying about the what-ifs.
We protect you against risk
At insureKU, we’re committed to offering the right coverage at the right price and value. Our motor insurance plans are tailored to provide you with financial protection in case of accidents, damage, or theft. By choosing us, you’re taking a proactive step to safeguard your vehicle and your financial well-being.
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The Right Coverage. The Right Price. The Right Value
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Financial Protection
Motor insurance provides a safety net for your wallet. If something happens to your car, the insurance helps cover repair costs.
Liability Coverage
If you accidentally damage someone else's property or cause injury, this insurance helps pay for the costs, saving you from hefty bills.
Medical Expenses Coverage
If you or your passengers get hurt in an accident, this insurance helps cover medical bills, reducing your out-of-pocket expenses.
Windscreen Coverage
If your car's windshield gets damaged, this insurance helps cover repair or replacement costs, keeping your view clear.
Vehicle Damage Coverage
If your car is damaged due to accidents or other incidents, this insurance helps pay for repairs or replacement.
Peace of Mind
With motor insurance, you're at ease knowing that you're financially protected while driving, no matter what happens.
Additional Coverage Options
You can choose extra protections like covering your car for theft, natural disasters, or even getting a replacement car if yours is unusable.
Legal Requirement
In Malaysia, having motor insurance is required by law. It keeps you legal and helps you avoid fines or penalties.
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Why choose us
Fast, dedicated, professional
Experience the difference of a fast, dedicated, and professional insurance aggregation partner. Our streamlined process ensures you get the coverage you need quickly and efficiently. Our team is dedicated to guiding you through the process, from selecting the right motor insurance plan to addressing any concerns you may have. With our expertise, you can have peace of mind knowing that you’re protected on the road.
Tips: Protect the Things that Matter to You
Your vehicle is an important part of your life. With our motor insurance plans, you’re not just getting coverage for your car; you’re ensuring that you’re prepared for unexpected events that can happen on the road. By taking care of potential repair costs and other expenses, you can keep enjoying your journey worry-free.
* Vehicle insurance is a vital safeguard that protects you, your vehicle, and others on the road from financial risks associated with accidents and other unforeseen events. It is essential to review and understand the specific coverage limits, deductibles, and exclusions of your policy to ensure it meets your needs and provides adequate protection.
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Insurance partners
How can we help?
SUPPORT
1. What is Term Life Insurance / Term Life Takaful?
Term Life insurance or Term Life Takaful is one the simplest and most reliable financial solutions that will protect your loved ones when you are no longer able to. The benefit will allow your family to cope with loss without the additional stress of worrying how to make ends meet. The money can help them to:
- Pay off the remaining mortgage.
- Cover personal debts and loans.
- Maintain their quality of life and pay day-to-day expenses.
- Cover your childrens’ school tuition.
- Cover funeral expenses and provide an inheritance plan.
We realize there is no “one size fits all” life insurance plan, thereby, we provide a full range of solutions to suite every stage of life. By partnering with insurers in Malaysia, we are able to provide products for individuals looking to protect their families, their business, mortgage or themselves.
2. Do I Need Term Life Insurance or Term Life Takaful?
If you are married, have children, or parents who depend on you, it’s wise to have a term life insurance policy or term life takaful certificate that provides a safety net should something happen to you for a specific period. A policy or certificate will protect yourself, your assets and your loved ones when you no longer can. The payout from a policy could mean that it helps with medical bills, mortgage payments, outstanding debt, or monthly income for your family.
3. What does life insurance cover?
Life insurance pays out a lump sum to your beneficiaries if you die. Often the funds are used to pay off a mortgage, to help raise children, or to cover rent and day-to-day expenses. Funds can also be used to settle medical bills or co-signed debts that would otherwise be transferred to your partner.
There is no income or capital gains tax on life insurance payouts, however you could be subject to inheritance tax if your estate (the sum of your anything you own) is over a threshold. This can be sidestepped by placing the policy in trust, so that you beneficiaries become the trustees, and the policy is no longer part of your estate.
4. When is the best time to get covered?
The younger you are, the cheaper your life insurance policy is likely to be. This means it’s more efficient and cheaper in the long run to get covered as soon as you’re considering it, or soon as you have dependents.
5. Can I get covered if I've had health issues?
Everyone is unique, and every policy is underwritten individually. While health history is one of many price factors (often also including current health, age and use of tobacco), it doesn’t in any way prevent you from receiving quotes. Our experts have helped many happy applicants with pre-existing conditions and health challenges.
6. What does medical card cover?
Medical card covers all hospitalization bills. All bills related to admission of illness, whether it is illness or accidental will be covered according to the Annual Limit of the card.
7. Whom should I contact if I have an issue?
Please send in our queries to info@insureku.com and our helpdesk will revert to you the soonest possible. Alternatively, you may click on the contact us icon on the website to send us your queries and we will email you on the related matter.
8. Will I receive a policy or certificate contract after my application?
Yes, you will receive the policy contract from the insurer or takaful operator that you have purchased it from. The specific insurer will email the contract to you directly once the purchase of the policy/certificate is successful.
9. What do I do when there is a claim?
You would have to contact the specific insurer when there is a need for claim. The details of the number will be given in the policy contract. You may click on the claim tabs of the specific insurer/takaful operator on insureku.com and it will redirect you to the specific claims department.
10. What should I do if my payment is not successful?
You may email to info@insureku.com or click on the contact us tab and submit your details there and our customer service team will get back to you the soonest.