Choosing car insurance is not only about finding the cheapest premium.
For many drivers, the more important question is what they actually get when something goes wrong.
This is where Tokio Marine car insurance gets attention. Tokio Marine is a Japanese insurance group with more than 140 years of history. Its presence in Malaysia dates back to 1957. Today, Tokio Marine Insurans (Malaysia) Berhad offers various general insurance products, including motor insurance for cars and motorcycles.
For car owners, one of the products to know is Tokio Marine AutoPro. The plan combines comprehensive motor insurance with additional benefits designed to make driving and dealing with emergencies easier.
What Is Tokio Marine Insurance?
Tokio Marine is a global insurance group established in Japan in 1879.
The group has more than 140 years of history and operates across multiple countries and regions. In Malaysia, Tokio Marine provides general insurance products for individuals and businesses.
Its motor insurance range includes standard motor insurance, Tokio Marine AutoPro and Tokio Marine BikePro for motorcycles.
For car owners, AutoPro is the product that may be worth looking at if you want more than basic comprehensive car insurance protection.
What Does Tokio Marine Car Insurance Cover?
Tokio Marine AutoPro is a comprehensive motor insurance plan.
Its basic coverage includes protection for:
- Accidental damage to the insured vehicle
- Fire damage
- Theft of the insured vehicle
- Injury or death caused to third parties
- Damage to third-party property
The exact protection depends on the policy and its terms and conditions.
Besides the basic cover, AutoPro also includes several enhanced benefits.
That is one reason drivers may compare Tokio Marine with other car insurance providers before renewing their policy.
Tokio Marine AutoPro: Key Benefits
1. All-driver protection
One useful feature of AutoPro is its all-driver benefit.
The plan waives the compulsory RM400 excess for unnamed drivers, subject to the policy terms.
This can be useful for households where more than one person drives the same car.
However, it is still important to check who is permitted to drive the vehicle under your policy.
2. Unlimited towing in Malaysia
A breakdown or accident can be stressful, especially when your car cannot be driven.
AutoPro includes roadside assistance with unlimited towing distance within Malaysia, subject to the applicable terms.
This can provide extra convenience when you need to move your car to an appropriate workshop.
Before buying, it is still a good idea to check the latest policy wording and roadside assistance conditions.
3. Zero betterment up to 15 years
Betterment is an important consideration when making certain motor insurance claims.
In some situations, a vehicle owner may need to contribute towards the cost of newer replacement parts.
AutoPro includes zero betterment for vehicles up to 15 years old, subject to the policy conditions.
For owners of older cars, this is one feature worth checking when comparing comprehensive car insurance plans.
4. Personal accident protection
AutoPro also provides motor personal accident protection.
The current product information lists coverage of up to RM25,000 for each driver and/or passenger, with a total limit of RM200,000 per policy period.
This is separate from the basic protection for damage to the vehicle.
Always check the policy documents for the exact benefit limits and conditions that apply to your policy.
5. Daily hospital income
Accidents can create costs beyond car repairs.
AutoPro provides daily hospital income of RM100 per day for a driver or passenger hospitalised because of an accident involving the insured vehicle.
The benefit is subject to a total limit of RM15,000 per policy period.
This type of benefit can provide additional financial support after an accident.
6. Flood allowance
Flooding is a concern for many Malaysian drivers.
AutoPro includes a RM1,000 flood allowance, limited to one occurrence per policy period.
There are also additional options related to special perils coverage, depending on the coverage selected.
If you live or regularly drive in an area that is prone to flooding, check whether the protection included in your policy matches your needs.
Optional Tokio Marine Car Insurance Add-Ons
Basic comprehensive insurance may not cover every situation.
For this reason, Tokio Marine also provides additional benefits that can be added depending on the policy.
These may include:
- Windscreen protection
- Special perils coverage
- Compensation for Assessed Repair Time (CART)
- Private electric vehicle charger and charging cable protection
For example, special perils coverage may be relevant to drivers who want protection against risks such as flood and other natural disasters.
Meanwhile, windscreen cover can help with the cost of repairing or replacing covered glass.
The price and availability of each add-on can vary. Therefore, check the quotation and policy documents before making a decision.
Tokio Marine BikePro for Motorcycle Owners
Tokio Marine also offers BikePro, a comprehensive motorcycle insurance plan.
BikePro covers the motorcycle against risks such as accidental damage, fire and theft. It also provides third-party liability protection.
The plan includes additional benefits such as:
- Motor personal accident coverage
- Daily hospital income
- Medical expenses
- Ambulance fees
- Bereavement allowance
- Zero excess for eligible motorcycles up to 250cc
- Zero betterment for eligible motorcycles
- Roadside assistance
The exact limits depend on the policy and motorcycle.
Therefore, motorcycle owners should compare the benefits and premium before renewing their insurance.
Why Compare Tokio Marine Car Insurance With Other Insurers?
A familiar insurance brand does not automatically mean the same policy will suit every driver.
Your car, NCD, sum insured, location and selected add-ons can affect the premium and coverage.
For that reason, it makes sense to compare several quotations before renewing.
Look at more than the price.
Check:
- Premium – How much will you pay?
- Sum insured – Is the insured value suitable for your car?
- Coverage – What happens after an accident, theft or fire?
- Add-ons – Do you need windscreen or special perils protection?
- Towing – What roadside assistance is included?
- Driver coverage – Who can drive the car?
- Betterment – Will you have to pay betterment for replacement parts?
- Claims support – What is the process if you need to make a claim?
A slightly cheaper policy may not offer the same benefits.
On the other hand, a more expensive policy may include coverage you do not actually need.
How to Compare Tokio Marine Car Insurance Online
Comparing insurance does not have to take a lot of time.
You can use BJAK to compare car insurance quotations from multiple insurers and takaful providers in one place.
Start by entering your vehicle registration number and required details.
Next, check your car information and NCD.
You can then compare the available quotations, coverage and add-ons.
This makes it easier to see how Tokio Marine compares with other available options instead of looking at one insurer at a time.
You can also learn more about comprehensive car insurance before choosing your coverage.
Is Tokio Marine Car Insurance Suitable for You?
There is no single car insurance plan that is suitable for every driver.
Tokio Marine AutoPro may appeal to drivers who value features such as roadside assistance, all-driver protection, zero betterment and additional accident-related benefits.
For example, it may be worth comparing if:
- Several people drive the same car.
- You own an older vehicle.
- You want stronger roadside assistance.
- You want additional personal accident benefits.
- You are concerned about flood-related risks.
- You want to compare additional coverage options.
Still, your final choice should depend on the actual quotation and policy terms.
The cheapest premium is not always the most useful option. At the same time, paying for benefits you do not need can increase your insurance cost unnecessarily.
Frequently Asked Questions About Tokio Marine Car Insurance
Is Tokio Marine a car insurance company?
Tokio Marine Insurans (Malaysia) Berhad provides general insurance products in Malaysia, including motor insurance for private cars and motorcycles.
What is Tokio Marine AutoPro?
Tokio Marine AutoPro is a comprehensive motor insurance plan that provides protection for accidental damage, fire, theft and third-party liabilities. It also includes additional benefits such as roadside assistance, all-driver protection, zero betterment and personal accident coverage, subject to policy terms.
Does Tokio Marine AutoPro provide towing?
Yes. AutoPro currently includes Auto Partner roadside assistance with unlimited towing distance within Malaysia, subject to the applicable terms and conditions.
Does Tokio Marine provide motorcycle insurance?
Yes. Tokio Marine offers BikePro motorcycle insurance, a comprehensive motorcycle insurance plan with additional benefits such as personal accident protection, hospital income, roadside assistance and other coverage options.
Can I compare Tokio Marine car insurance with other insurers?
Yes. You can compare available car insurance quotations through BJAK, including available coverage and add-ons. The insurers and products available can vary depending on the vehicle and quotation details.
Final Thoughts
Tokio Marine has a long history in the insurance industry, while its motor products provide several benefits beyond basic car insurance coverage.
For car owners, Tokio Marine AutoPro is worth looking at if features such as roadside assistance, all-driver protection, zero betterment and additional accident benefits are important to you.
However, do not compare insurance based on the brand name alone.
Check the premium, coverage, add-ons, excess, towing benefits and policy conditions before renewing.
If you want to compare your options, you can get a car insurance quotation through BJAK and see the available coverage before making your decision.
