Welcome to Tune Protect Ride Easy
Thank you for insuring with Tune Protect Ride Easy. You should be confident because you made the right choice. Tune Protect Ride Easy is provided by Tune Insurance Malaysia Berhad, one of the Malaysia’s leading insurance providers, so you can now relax knowing that you are with a company you can rely on.
Your Tune Protect Ride Easy Policy Document shall constitute the following documents:
- Your Schedule
- Any endorsements issued to change your insurance cover as shown on your Schedule
- The Certificate of Tune Protect Ride Easy
Please read all these documents to understand your coverage and please keep them safely.
If you need to make a claim, or contact us, please make reference to the above documents. The documents will be available for you to view and print at www.tuneprotect.com
Important Notice
Please be informed that Service Tax will be implemented by the Government of Malaysia with effect from 1 September 2018 at a rate of six (6) per centum.
The Company reserves the right to collect from you an amount equivalent to the Service Tax payable on the applicable premium for the policy period, or in the event that the policy period commences before but expires after 1 September 2018, to collect from you an amount equivalent to the Service Tax payable on the applicable premium calculated from 1 September 2018 on a pro-rated basis.
Your obligation to pay Service Tax shall form part of the Terms and Conditions in your insurance policy.
The laws governing Service Tax are as per the Service Tax Act, 2018 and all Regulations passed by the Government of Malaysia from time to time.
Tune Protect Ride Easy PA Policy
This Policy wording serves to disclose the terms and conditions of the Tune Protect Ride Easy Policy issued by Tune Insurance Malaysia Berhad (30686-K).
Words with special meaning
Wherever the following words and phrases appear in bold in this document, they will have the meaning given below unless stated otherwise.
- “Insured” means You, Your family, friend or other person riding in or driving Your Named Vehicle, provided they are within the age of 3 to 70 years old.
- “Named Vehicles” means any private car registered in Malaysia the vehicle declared under this policy.
- “Driver” means a person possessing a valid driving license to drive the class of the Named Vehicle under the laws and regulations of the Malaysia/Singapore Road Traffic Ordinances/Acts.
- “Passenger(s)” means occupant of the Named Vehicle excluding the Driver.
- “Accident or Accidental” means an event, which is sudden, unforeseen or unexpected.
- “Accidental Bodily Injury” means an identifiable physical injury caused solely and directly by the Accident resulting in the death or disablement of the Insured or the Driver/Passenger(s) at an identifiable time and place during the period of insurance which occurs within twelve (12) months from the date of injury.
- “Permanent Disablement” means inability lasting twelve (12) consecutive calendar months and being beyond hope of improvement at the expiry of that period.
- “Total Disablement” means the inability of the Insured or the Driver/Passenger(s) from attending to any occupation or business for which he is reasonably qualified by reason of education, training or experience.
- “Medical Expense” means actual expense necessarily incurred for hospitalization, medical, nursing, hospital treatment expenses including cost of emergency dental treatment (but excluding replacement of dentures) following Bodily Injury.
- “Medical Practitioner” means a medical practitioner (other than the Insured or the Drive/Passenger(s) or a member of the Insured immediate family or relatives) who is qualified by a medical degree and duly licensed and registered to practice western medicine and who, in rendering the treatment, is practicing within the scope of his licensing and training in the geographical area of practice.
- “Financial Institutions” means all banks, insurances, unit trust companies’ incorporated in Malaysia and Recognized by Bank Negara Malaysia and the Security Commissions.
- “We”, “Our” and “Us” means the insurer of your policy, Tune Insurance Malaysia Berhad (30686-K), and where applicable to also include its agent.
- “You”, and “Your” means the person whose name is set out on your certificate of insurance.
Area of coverage
Within Malaysia, Singapore and Brunei Darussalam.
Policy Benefits
We will pay:
We will reimburse you for up to the appropriate benefits shown in the Schedule of Benefits if:
- The Insured or Driver/Passenger(s) suffers from Accidental Bodily Injury.
- The Insured or Driver/Passenger(s) incurs medical expense in connection with the Accidental Bodily Injury.
We will not pay:
- We will not pay any expenses where the Named Vehicle is being used for hire, racing, road rally, pace making, speed testing, or use of any purpose in connection with motor trade.
- We will not reimburse any death, disablement or loss sustained by the Insured or Driver/Passenger(s) whilst the Named Vehicle, under the laws and regulations of the Malaysia/Singapore Road Transport Ordinances/Acts, is being driven by a person:
- Who does not hold a valid driver’s license
- Who is not qualified or has been disqualified from holding or obtaining a valid driver’s license
- We shall not be liable to pay any claim for damages obtained by Passenger(s) against the Insured or Driver for negligence, recklessness or default.
Exclusions
What we do not cover:
Death or disablement of either the Insured, or the Driver/Passenger(s) caused directly or indirectly or consequent upon:
- War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, confiscation, detention, nationalization, requisition, martial law or state of siege.
- Act of terrorism. For this purpose an act of terrorism means an act, including but not limited to the use of force or violence and/or threat thereof of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
- Insanity, suicide or attempted suicide (whether felonious or not) while sane or insane, intentional self-inflicted injuries or willful exposure to exceptional danger (except in the attempt to save human life).
- Fits, venereal disease, hernia, infection or parasites HIV (Human Immunodeficiency Virus) or any related illness, including AIDS (Acquired Immune Deficiency Syndrome) or any mutant derivatives or variation of it; pregnancy, childbirth, miscarriage, abortion or any complications or consequence thereof.
- Committing or attempting to commit unlawful act by the Insured or Driver/Passenger(s) or the Insured or Driver/Passenger(s)’ beneficiary, provoked murder or assault, intoxication by drugs or alcohol.
- Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
- Any physical defect or infirmity, which existed prior to either the Insured, or the Driver/Passenger suffering from, any Accidental Bodily Injury covered by this Policy.
Schedule of benefits
| Coverage | Compensation | ||
|---|---|---|---|
| Sum insured for each Insured Person (RM) | |||
| Plan A | Plan B | ||
| 1 | Accidental Death | 20,000 | 30,000 |
| 2 | a) Loss of both hands or both feet or sight of both eyes | 20,000 | 30,000 |
| b) Loss of one hand and one foot | 20,000 | 30,000 | |
| c) Loss of either hand or foot and sight of one eye | 20,000 | 30,000 | |
| d) Loss of either hand or foot | 10,000 | 15,000 | |
| e) Loss of sight of one eye | 10,000 | 15,000 | |
| 3 | Medical Expenses (Per Insured Person For Private Car & Private Van Only) |
200 | 400 |
| 4 | Bereavement Allowance (Per Insured Person) | 1,000 | 1,000 |
| 5 | Hospital Income (up to a maximum of 30 days per policy period per Insured Person) | 50 | 50 |
| SEATING CAPACITY | ANNUAL PREMIUM (RM) | ||
| Sum Insured Per Person | 20,000 | 30,000 | |
| 1 | Private Car & Private Van (Driver and 4 Passengers) | 75 | 113 |
| 2 | Private Car & Private Van (Each Additional Passenger) | 9 | 10 |
Age limit from 3 to 70 only
General conditions:
- Alterations
- We reserve the right to amend the terms and conditions of this policy and such alteration to this policy shall only be valid if authorized by us and endorsed hereon.
- If any liability shall exist on our part under this policy, our liability hereunder shall be limited to the Sum Insured but our aggregate liability during any period of Insurance shall be limited to the Sum Insured stated in the Policy Schedule.
- Applicable Law
- This Policy and all rights, obligations and liabilities arising hereunder shall be construed and determined and may be enforced in accordance with the laws of Malaysia.
- All differences arising out of the policy shall be referred to the decision of an Arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single Arbitrator to the decision of two arbitrators, one to be appointed in writing by each of the parties or, in the case the Arbitrators do not agree, of an Umpire appointed in writing by the Arbitrators before entering upon the reference. The Umpire shall sit with the Arbitrators and preside at their meetings.
- The costs of the reference and of the award shall be at the discretion of the Arbitrator, Arbitrators or Umpire making the award. It is hereby expressly stipulated and declared that it shall be condition precedent to any right of action or suit upon this Policy that the award by such Arbitrator, Arbitrators or Umpire of the amount of Benefit if disputed, shall be first obtained.
- Notice and Procedures of Claims
- Every notice or communication to be given or made under this policy shall be delivered in writing to Tune Insurance Malaysia Berhad (30686-K).
- Upon the happening of any event which may give rise to a claim, the you shall:-
- Notify us in writing as soon as possible but not later than fourteen (14) days after any event which may give rise to such claim by filling up the claim form as provided by us;
- Furnish to us in writing, at your own costs and expenses, the police reports, your statements, certificate of insurance, and any other documents as we may require and shall be in such form and of such nature as we may prescribe.
- Co-operate with us in all matters pertaining to any loss and/or claims. Failure to comply with this condition may prejudice the claim.
- Observance of Conditions
- The due observance and fulfilment of the Terms, of this policy in so far as they related to anything to be done by you and the truth of the Statements in answers in the proposal shall be conditions precedent to any liability to make any payment under this policy.
- Termination of Cover
- The insurance cover afforded shall terminate automatically on the earliest of the following dates:
- In the event of any fraud in the procurement of this insurance on in deriving any benefits hereunder by you;
- Immediately after admission of 100% liability for an admitted claim up to the Sum Insured limit on all sections of insurance cover by us;
- Period of Cover and Renewal
- This Policy shall become effective as of the date as stated in the Schedule. The policy Anniversary shall be one year after the effective date and annually thereafter. On such anniversary, this policy is renewable at our option and at the premium rates in effect at that time as notified by us.
- Cash Before Cover
- It is fundamental and absolute special condition of this contract of insurance that the premium due must be paid and received by us before the insurance cover is effective.
Complaints:
If you have any complaint regarding our services rendered and/or to matters relating to this policy, you are advised to write to our Customer Complaint Unit. If you are still not satisfied with our response or decision, you may submit your complaint(s) which depending on its nature shall go to either one (1) of the following;
| 1. FINANCIAL MEDIATION BUREAU | |
|---|---|
| Address | : Level 14, Main Block, Menara Takaful Malaysia, |
| No 4, Jalan Sultan Sulaiman, | |
| 50000 Kuala Lumpur. | |
| Telephone No. | : +603 2272 2811 |
| Fax No. | : +603 2272 1577 |
| Website | : www.fmb.org.my |
| 2. PENGARAH JABATAN LINK & PEJABAT WILAYAH | |
|---|---|
| Address | : Bank Negara Malaysia, |
| P. O. Box 10922 | |
| 50929 Kuala Lumpur. | |
| Telephone No. | : 1300-88-5465 |
| Fax No. | : +603 2174 1515 |
| Website | : [email protected] |