Insurance - Underwriting Guideline

(Effective : 1 July 2009)

	Loading Applicable
Age of Vehicle	Comprehensive All Rider	Third Party All Rider
0 to 3 Years	Nil	25%
4 to 6 Years	Nil	50%
7 to 10 Years	Nil	75%
Above 10 Years	Nil (Private Car 10%)	100 %

Age of Insured	Loading Applicable
25 Years and below	10% (Private Car Nil)	25%
26 Years and above	Nil	25%

Note :

1.  All Loading are cumulative subject to as maximum as following :

a)  Comprehensive - 30 %  b)  Third Party - 150 %

2.  Third Party cover will NOT be entertained if the vehicle is under Hire Purchase

Motorcycle Minimum Sum Insured : RM 1500.00 , Private Car : RM 7000

Minimum Premium : Motor RM 20.00, Car RM 50.00 Per policy(Cancellation No Refund)