• Allianz Motorcycle Plus offers protection for the motorcycle and accident protection for the rider.

• One could look at it as a 2-in-1 insurance scheme.

• The Comprehensive coverage also covers the bike for natural disasters.

• The product is only available for motorcycles from 245cc and below.

Allianz Motorcycle Plus insurance will offer the additional benefits of a personal accident insurance under one package at no added cost.

“Traditional” motorcycle insurance covers only the vehicle in the case of accidents or theft. Vehicle owners purchase this insurance when he renews his road tax. However, that insurace does not cover for personal injuries, disability of death.

Thus, in order to protect oneself, the vehicle owner needs to purchase another personal accident insurance policy.

This is where Allianz Motorcycle Plus differentiates itself. One could call it a 2-in-1 product which insures the motorcycle as well as the rider. However, the premium (price) remains the same as the same insurance for your motorcycle only.

There are two types of cover, of course – Allianz Motorcycle Plus (Comprehensive) and Allianz Motorcycle Plus (Third Party).

Aliianz Motorcycle Plus (Comprehensive)

• Accident Cover of RM 5,000 for permanent disability or death.
• Hospital income of RM 50 per day for up to a maximum of 60 days.
• All Special Perils Full Sum-Insured Protection which provides protection for flood, landslides and other natural disasters.

Allianz Motorcycle Plus (Third Party)

• Accident Cover of RM 5,000 for permanent disability or death.
• Hospital income of RM 50 per day for up to a maximum of 60 days.

What drew our attention was the protection for “acts of god” (industry speak for natural disasters). None – if any – insurance covers your motorcycle for natural disasters.

While the accident cover and hospital income aren’t as high as provided by personal accident insurance, Allianz Motorcycle Plus (Comprehensive) makes it easy for riders to have such coverage. Many people, much less riders, in Malaysia aren’t covered by personal accident insurance or any type of insurance at all.

Including those benefits under one insurance also makes it easier for the policy holder to claim for injuries. There are many cases where the accident victim’s family members forget or are unaware of claiming from the insurance provider.

Allianz Malaysia will roll out Allianz Motorcycle Plus beginning 1^stMay 2019. The insurance covers motorcycles from 245cc and below, only.

Please visit https://www.allianz.com.my/ for more information.