FAQ
General
We provide general insurance with trustworthy insurance partners – Zurich and MPI – giving you and your loved ones a comprehensive protection.
Our insurance partners – Zurich and MPI – will provide quotes to give you protection that suits your needs.
Our insurance partners – Zurich and MPI – offer comprehensive protection for Motor and Non-Motor protection. For more information, you may visit our home page or select the insurance category that you need.
Don’t worry! Contact our insurance partners and get 24-hour of Emergency Roadside Assistance.
MPI - 1800-22-2262
Zurich - 1-300-88-6222
We work with two insurance partners so kindly click on the icon of the insurer you have bought from us. If you are unsure which insurer your insurance package is bought from, please email us at enquiry@behzadprima.com or call us at 03-92122610 Monday - Sunday 10 a.m. - 7p.m.
There are a few ways to request a quotation or renew your policy.
1. Click Get a quote on our main page
2. Email us at enquiry@behzadprima.com
3. WhatsApp us at 03-92122610.
Just choose your preference of renewal and provide the information below:
1. Identity card copy
2. Vehicle Registration Number
3. Type of Vehicle
4. Address
After we verify your information, we will send you an email detailing total amount of your insurance policy including premium of policy and road tax renewal fee. You may proceed to payment. Once it is processed, you will be notified when your insurance policy is ready. We provide free delivery of road tax to you upon request. *Terms and Conditions Applied*
We offer many Non-Motor Insurance packages. Do visit our home page to find the protection you need or email us at enquiry@behzadprima.com to provide us those basic information of your insurance requirement and our experienced advisor will get back to you.
- Identity card copy (Personal) OR Company registration Number (Company)
- Type of Insurance
- Current existing policy (if any)
Each insurer has its own refund policy. If you wish to cancel your policy, kindly email us your request with the information listed below at enquiry@behzadprima.com.
1. Identity card copy
2. Type of Insurance
3. If motor insurance, please kindly provide the vehicle number.
4. If non-motor insurance, please kindly provide the existing policy.
Cancel requests will be processed in accordance with the panel policy. The final decision subject to Insurance panels.
Home Protector Insurance
Houseowner Insurance covers loss or damage to the buildings of the private dwelling house including fixtures and fittings, interior decorations, walls, gates and fences.
Householder Insurance covers loss or damage to the household contents such as electrical appliances, furniture sets and the like and personal effects
Important Notice:
- The total value of platinum, gold and silver articles, jewellery and furs shall be deemed not to exceed one-third of the Total Sum Insured on Contents.
- No one article (furniture, pianos, organs, household appliances, radios, television sets, video recorder sets, Hi-Fi equipment and the like excepted) shall be deemed of greater value than five (5) per cent of the Total Sum Insured on Contents unless such article is specially declared as a separate item.
- This section does not cover property more specifically insured, or, unless specially mentioned, Deeds, Bonds, Bills of Exchange, Promissory Notes, Cheques, Securities for Money, Stamps, Documents of any kind, Cash, Currency Notes, Bank Notes, Manuscripts, Medals and Coins, Motor Vehicles and Accessories, Livestock, Antique products and Paintings.
Personal Accident Insurance
In the event of an accident resulting in an injury to yourself, you can claim from both policies, subject to the benefits you have effected in each respective policy. However, it should be noted that for medical expenses, the original medical bills are required as this is on reimbursement basis. Hence, if you have been fully reimbursed under one policy, you will not receive any further reimbursement.
Motor Insurance
The sum to be insured should be based on the market value of your car. Market Value represents the value of your car with an allowance for wear and tear and/or depreciation.
If you decide to sell your vehicle without buying a new one, you will maintain your accumulated NCD in the first year. However, your NCD percentage will drop proportionately in the second year and the reduction will continue until your NCD percentage reaches 0%. Thus, it is advisable to transfer your accumulated NCD to another vehicle for you to enjoy the benefit continuously.
A Comprehensive Cover policy will cover you for the loss or damage to the motor vehicle, accessories etc caused by:
- Accidental collision or overturning
- Fire, external explosion, self-ignition or lightning
- Burglary, housebreaking or theft
- Malicious acts
- Falling objects provided no flood, typhoon, hurricane, storm,tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature is involved.
A Third-Party Cover policy will only cover you against any legal liability to third parties arising out of the use of a motor vehicle resulting in death, bodily injury or damage to property only.
Motor Insurance - Claims
In the event of an accident, you should call MPI Generali assist hotline at 1800 22 2262 for an immediate assistance and lodge a police report within 24 hours.
We also have specific accident assist hotline for our Policyholders who purchased vehicles from Perodua and Nissan:-
Perodua Smart Assist – 1800-88-5555
Tan Chong Insurcare – 1800-88-2268
Please click here (Authorised Partner Repairer page) for full listing of our Authorised Partner Repairer.
Your claim will be processed once the adjuster’s report and other relevant documents are received by us. Therefore, it is important for you to notify us and give complete documents as soon as possible so we can process your claim without any delay.
A period of repair varies from one vehicle to another depending on:
- The extent of the damage to the vehicle
- The availability of the spare parts
You need to pay the amount of Excess under your policy, if applicable, but if your car is under-insured, you will have to pay the proportionate difference.
Excess refers to the amount that you are responsible to pay in the event of a claim. For example, the excess of your policy is RM300 and the total claim amount is RM1,800. Your insurer will only pay RM1,500 for the claim while you have to pay the remaining RM300.
Betterment is a scale imposed on vehicles aged 5 years and above when new franchise parts are used during a repair that was paid for by the insurance company. The insured has to bear the betterment charges when the damaged old parts of the vehicle are replaced with new franchise parts. The application of betterment is based on the Scale of Betterment.
If the vehicle is recovered before the theft claim is settled, you will have options to either:
- Withdraw the claim (if the vehicle is recovered in good condition)
- Withdraw the claim and undertake to repair at your own expenses (if the vehicle sustained minor damage and you wish to retain your NCD entitlement)
- Withdraw the Theft claim but pursue an Own Damage Claim (if the vehicle recovered sustained extensive damage or has missing parts)
