AIA Family Drive - Home

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Why buy AIA Family Drive?

Extra 5% family discount* (up to 4 cars)
Up to RM250,000 personal accident coverage for driver and passengers
RM600 inconvenience allowance
All drivers automatically insured
No excess fee at AIA panel or franchise workshops
FOC 24/7 AIA Roadside Assist
Comprehensive motor coverage
Options to further enhance Your motor coverage

FREQUENTLY ASKED QUESTIONS

The benefits are:

  • Loss or damage to the vehicle due to accident, fire or theft;
  • Legal liability of the insured and/or authorised driver for third party's injury, death and property loss or damage;
  • Legal liability to passenger and of passenger;
  • Personal accident protection for the insured, authorised drivers and passengers, with:
    • Up to RM 25,000 Accidental Death and Permanent Disablement Benefit; and
    • Additional RM 25,000 for Double Indemnity for National Public Holiday;
  • Inconvenience allowance for RM 600 per accident, for loss of use of car;
  • Automatically cover all authorised drivers; and
  • Excess waiver.

The following optional benefits are available:

  • i. Windscreen damage;
  • ii. Special Perils (i.e.: damage arising from flood and landslide);
  • iii. Waiver of betterment cost;
  • iv. Agreed value basis;
  • v. Strike, riot and civil commotion; and
  • vi. Compensation for Assessed Repair Time (CART).
For (v) and (vi), please contact us at familydrive@aia.com if you are interested to purchase.

Family Discount is first in the market. It is a 5% premium discount exclusively for Family Drive's policyholders and their families.

If you or any of your family members own a Family Drive policy, the subsequent purchase of the next Family Drive policy will be entitled for Family Discount as long as the policy is in- force, up to a maximum of 4 cars under the same household.

Upon the subsequent renewal, the first insured car will also be entitled for Family Discount.

Family Discount applies to the basic premium after No-Claim-Discount and additional benefit premiums, upon the purchase or renewal of the policy. With conditions that:

  1. you or your family member (refer to question 5) currently owns another Family Drive policy, which must be in-force and within the period of insurance; and
  2. you and your family members must reside at the same permanent home address as per cover note; and
  3. subject to a maximum of 4 cars per household.

For example:

Scenario No. of Policy (vehicle no.) Period of Insurance Family Discount Entitlement
New purchase Policy 1 (WSS 1234) 1 Jan 2020 - 31 Dec 2020 No
New purchase Policy 2 (BTB 5678) 1 May 2020 - 30 Apr 2021 Yes
New purchase Policy 3 (BTT 1818) 1 Jul 2020 - 30 Jun 2021 Yes
New purchase Policy 4 (VCC 5566) 1 Dec 2020 - 30 Nov 2021 Yes
New purchase Policy 5 (VBT 2222) 1 Dec 2020 - 30 Nov 2021 No
Renewal Policy 1 (WSS 1234) 1 Jan 2021 - 31 Dec 2022 Yes1
Renewal with different household address Policy 2 (BTB 5678) 1 May 2021 - 30 Apr 2022 No2
Renewal Policy 3 (BTT 1818) 1 Jul 2021 - 30 Jun 2022 Yes
Sell the car and terminate the policy Policy 1 (WSS 1234) 1 Aug 2020 N/A
Renewal Policy 4 (VCC 5566) 1 Dec 2021 - 30 Nov 2022 Yes3
Renewal Policy 5 (VBT 2222) 1 Dec 2021 - 30 Nov 2022 Yes4

1 Upon the renewal of Policy 1, the family member owns an in-force Family Drive policy (i.e.: Policy 2, 3 and 4), so this policy is entitled for Family Discount.

2 Upon renewal, Policy 2 has changed the household address, and there is no Family Drive policy under the new address. Therefore, Policy 2 is no longer entitled for the Family Discount.

3 Because the family member owns an in-force Family Drive policy (Policy 3), so Policy 4 is automatically entitled for Family Discount.

4 It is still within the quota of 4 vehicles per household.

Eligible family members refer to spouse, son, daughter, son-in-law, daughter-in law, parent, parent- in-law, grandparent, grandparent-in-law, grandchild, brother, sister, brother-in-law or sister- in-law under the same household (i.e. living in the same address).
If any one of the family members moved out from the house and change the permanent home address in the cover note. Upon the next renewal, that Family Drive policy of that car will not entitle for the 5% Family Discount.
No, while Private Car with company registration is allowed to buy Family Drive, they are not entitle to enjoy the Family Discount. Please contact us at familydrive@aia.com if you are interested to purchase Family Drive for your company registered vehicle.
Yes. Before the expiry date of your existing motor policy, you just have to purchase the Family Drive policy instead of renewing the existing policy.
Benefits in the Basic Plan Family Drive AIA Comprehensive Cover
Loss or damage to the car Yes Yes
Liability to third party Yes Yes
Legal liability of passenger Yes No
Legal liability to passenger Yes No
Personal Accident Protection Yes No
Inconvenience Allowance Yes No
Excess Waiver Yes Yes (only for policy with sum insured of RM70,000 and above)
Automatically covers all drivers Yes No (named driver is required)
Family Discount Yes No
Optional Benefits Family Drive AIA Comprehensive Cover
Agreed Value Basis Yes No
Waiver of Betterment Cost Yes No
Windshields Damage Yes Yes
Special Perils Yes Yes
Strike, Riot and Civil Commotion Yes Yes
Compensation for Assessed Repair Time (CART) Yes Yes
Legal liability of passenger No Yes
Legal liability to passenger No Yes
You can renew your road tax through the JPJ mySIKAP portal here.
You can refer to online claim guides here for all the motor-related claims info.

Personal Accident Protection

During the period of insurance, if you/your authorised driver and/or passenger sustains bodily injury or death due to an accident, whilst driving or riding as a passenger, whom with your permission, getting into, travelling in or getting out of your car, the policy shall pay the benefits:

Benefits Amount of Benefit (for each person covered under this section)
Accidental Death and Permanent Disablement Benefit Up to RM 25,000
Double Indemnity for National Public Holiday RM 25,000

You or your authorised driver and/or passenger, who is driving or riding as a passenger, getting into, travelling in or getting out of your car, with your permission, will be covered under this section.

You or your authorised driver shall be between age of 17 up to 75 years old (age last birthday). The passenger shall be between age of 30 days old up to 85 years old (age last birthday).

During the period of insurance, the aggregated benefit amount payable under this section is subject to a maximum of RM 250,000. Thereafter, no benefits will be payable, and this section will cease for the remaining period of insurance.

If you, your authorised driver or passenger, suffers any of the following Events and within 365 days from the date of accident, the policy shall pay the amount of benefit according to the Schedule of Indemnities below:

Events Amount of Benefit (for each person covered under this section)
Accidental Death RM 25,000
Permanent Total Disability RM 25,000
Permanent quadriplegia (loss or permanent total loss of 4 limbs) RM 25,000
Permanent total paralysis (from the neck down) RM 25,000
Loss of sight of both eyes RM 25,000
Loss of 2 limbs RM 25,000
Loss of on limb and loss of sight of one eye RM 25,000
Loss of speech and hearing RM 25,000
Loss of hearing of both ears RM 18,750
Loss of speech RM 12,500
Loss of sign of one eye RM 12,500
Loss of the lens of one eye RM 12,500
Loss of one limb RM 12,500
Loss of 4 fingers and thumb in one hand RM 12,500
Loss of all toes in one foot RM 12,500

The maximum benefit paid for each person covered under this section for any one accident shall not exceed RM 25,000.

In the event that a series of Events shall arise out of the same Accident, the policy shall only pay for one event, that being the greatest amount of indemnity to be payable under this benefit.

For Permanent Total Disability, Permanent quadriplegia and Permanent total paralysis, the condition must last for 12 consecutive calendar months from the date of the accident and at the expiry of the 12 months period being beyond any hope of improvement or recovery.

If the accidental death is occurring during a National Public Holiday within the period of insurance and within 365 days from the date of accident, the policy will pay a lump sum of RM 25,000, for each covered person. This benefit is payable in addition to the Accidental Death and Permanent Disablement Benefit.

Scenario:

A car accident happens during the Chinese New Year, and unfortunately your authorised driver and one of the passengers pass away due to that accident.

Total benefits payable for your authorised driver

  • Accidental Death and Permanent Disablement Benefit + Double Indemnity for National Public Holiday
  • 25,000 + 25,000
  • RM 50,000

Total benefits payable for the passenger

  • Accidental Death and Permanent Disablement Benefit + Double Indemnity for National Public Holiday
  • 25,000 + 25,000
  • RM 50,000

Therefore, total aggregated benefits payable for this accident

  • RM 100,000

ABOUT AIA GENERAL BERHAD

AIA General Berhad is part of AIA Bhd., a leading insurer in Malaysia. We began operations after obtaining our general insurance license on 1 July 2018. We provide motor, personal accident and commercial insurance solutions to nearly half a million Malaysians. Our products are distributed through our vast network of AIA Life Planners, bank partners, telesales representatives, nationwide branches, and directly online for selected products. Led by data-driven innovation, we continuously improve our products and services to meet our customers' evolving needs, now and in the future.

More info at AIA website here.

Please contact us if you have any queries

1300-88-1899

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