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auto insurance how to make insurance claim


As a Kurnia Auto Assist member, you will get to enjoy 24-hour auto assistance service for breakdown / towing, savings through wide and varied network of participating merchants and information to numerous services / emergency assistance related establishments.

 Private Car Comprehensive Motor Insurance policyholders of Kurnia Insurans (M) Berhad.  Your policy must be in force.


Breakdown refers to immobilization of vehicle arising from any cause (other than those excluded under the conditions).
Breakdown services & assistance will include any/all attention to render vehicle mobile be it minor or major repairs at breakdown site or service provider’s workshop and/or towing to a specified destination.
   A.1 Repairs
The cost of all minor or major, repairs carried out at breakdown site or service provider’s workshop are to be negotiated and agreed upon between you and the service provider.
The following services will not be construed as repairs but will be provided without additional charges:
- changing flat tyre 
- replacing battery and 
- jump start
A.2 Towing

Where and when necessary consequent upon vehicle breakdown, the service provider will provide towing service to you.
The insured vehicle will be towed to a nearest service provider’s workshop or a specified destination.
A.3 Charges

The charges/rates for towing services are based on the time the service is provided and the distance involved.


Assistance within 30 km radius from service provider’s workshop to breakdown scene FREE

From 31 km up to 50 km  RM1.50 per km (for day and night)
Above 50 km  RM2.00 per km (for day and night)
 The above charges exclude repairs, cost of parts and toll charges. (if any)
 All due payment is to be paid directly to the service provider.


car insurance

If you wish to make a claim under Kurnia comprehensive policy, the terms will vary as follows;

- You do not have to pay the towing fee as it will be claimed as part of the claim procedure. 

- The service provider will provide all assistance and advise you in expediting the claim process as per Kurnia’s guidelines.  



The KAA services will not be extended under any of the following circumstances: 
The vehicle has no engine or transmission, for purpose of disposing vehicle or towing from one workshop to another.
The vehicle is in any remote area, non-gazetted road e.g. estate, plantation, jungle, basement and rooftop parking area, etc.
Any Act of God, catastrophes, adverse weather conditions, etc. that may prevent the service provider to render the necessary services.
There is a power failure, mishap, etc. that may render the Call Center inoperable.
We URGE you to always call the Kurnia Call Center and request for the assistance you need.


The KAA card will be mailed directly to you at your corresponding address as indicated in the policy.
The KAA card will entitle YOU to enjoy:
- Breakdown/Towing Services
A 24-hour auto assistance service for breakdown/towing.

- Kurnia Rebates/Discounts
Enjoy savings through our wide and varied network of participating merchants.

- Kurnia Information Service
Easy and convenient information to numerous services/emergency assistance related establishments.
NOTE : Kurnia Insurans (M) Berhad reserves the right at any time without prior notice to add, alter or modify any terms and conditions provided under this plan.


auto insurance by kurnia
Making an insurance claim may be a hassle for some people. Kurnia has come up with a simple guideline that could help you accelerate your claim process. Here’s a simple to-do list that could guide you to pursue your insurance claim easily, minus the hassle:
Own Damage Claim
You can make an Own Damage claim towards loss / damages sustained to your vehicle on your own policy, if your vehicle is protected by a comprehensive motor insurance policy.

Report to the police within 24 hours as required by Law.
Send your vehicle to an authorized workshop for immediate attention. Check with your insurance company on the list of panel authorized workshop.
Kurnia Insurans policyholders can use Panel Workshop Locator to find the workshop of your choice or call our 24-hour Kurnia Auto Assist at 1-800-88-3833 or 03-2692 2233 for assistance.

Collect the claim form from your insurance company, complete and sign accordingly, and submit together with copy of the following documents within 14 days.
1. Original police report
2. Repairer’s estimated cost of repairs 
3. Copies of: 
- Insurance Policy / Cover note 
- Vehicle registration card 
- Road tax disc 
- Identity card and driving license of the vehicle owner 
- Identity card and driving license of the driver 
- Hire purchase agreement (if applicable) 
To get prompt attention, you are advised to submit your claim with full documentation as prescribed above direct to Kurnia Head Office or any of our Branch Offices.
You are encouraged to provide your hand phone number during claims notification, as you will receive SMS notifications informing you the status of your Own Damage claim instantly.
Your NCD will be forfeited when you make an Own Damage claim.
No-Fault Own Damage Claim
No-Fault Own Damage claim is similar to an Own Damage claim with exception that your NCD will not be forfeited. Introduced by Persatuan Insurans Am Malaysia (PIAM) effective June 2001 in order to expedite the claim process, this claim is applicable only when the accident is deemed not your fault. This is determined by the circumstances of the accident and through the police investigation report (ie Police compound/findings, sketch plan and key) to support the claim. The claim is made only with regards to damages to your vehicle excluding compensations such as loss of use.
Follow the procedure as outlined in “Own Damage Claim”. In addition to the documents to be submitted with your claim form, please enclose the following documents :
Copies of :
Signed declaration letter (for No-fault accident) 
Third party’s police report 
Police compound / findings 
Police sketch plan and keys (if any)


how to make insurance claim

1. What is NCD?
   NCD, short for No Claim Discount, is a discount given to the policyholders upon renewal of their motor insurance if no claim is made or arises from the policy for a continuous coverage of 12 months. The discount given is based on a fixed rate provided by Persatuan Insurans Am Malaysia (PIAM) Motor Tariff.
NCD For Private Car : Period of Insurance Discount

After the first year of insurance : 25%
After the second year of insurance : 30%
After the third year of insurance : 38.33%
After the fourth year of insurance : 45%
After five or more years of insurance : 55%
2. Will I have NCD if this is the first time I purchase a vehicle?
If you are buying a vehicle for the first time, you will not have NCD on your motor policy for the first year on the road. If you have at least one claims free year, then, upon renewal of your motor insurance policy, you will be rewarded with a 25% NCD off your renewal premium.
3. Can I transfer my NCD from one vehicle to another?
Yes you can. This typically happens when you have sold your old vehicle and want to transfer your NCD to the vehicle you are purchasing. If you do not transfer your NCD to another vehicle, your NCD entitlement level will drop one level each year. For example, if your NCD entitlement is 55% this year, it will drop to 45% next year, if it is not transferred to another vehicle. This will continue until the NCD level reaches 0%.
4. How will my NCD be forfeited?
If any claim is made or arises (with exception to windscreen and No-fault Own Damage claim) on your motor insurance policy during the period of cover, your NCD for that vehicle will be forfeited and reverts to 0%. You will have to begin to accumulate your discount in a new cycle. 

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