Motor & PA Insurance

Peace of mind. Rain or shine. Policies for swift recovery from motor accidents and untoward events.

We don’t like to admit it, but facts show that accidents can happen anywhere, and at anytime.

A well-planned motor insurance and personal accident policy helps protect you against both the “where” and “when”.

From minimum legal coverage to comprehensive policies, work with JR Global’s consultants today to find out your coverage needs.

What is the difference between a regular motor insurance and personal accident insurance?

A standard motor insurance policy with “third party” coverage (compulsory in Malaysia) insures against third-party claims in the event of a motor accident.

A personal accident (PA) insurance is instead designed to compensate injuries, disability or death caused solely by an accident, arising from road accidents, work-related accidents, accidents at home, whilst doing sports, hobbies etc. PA takes care of the financial burdens from accidents so that they do not cost you, your family, and/or your business.


  • Malaysia has ASEAN’s 3rd highest road traffic accidents fatality rate: 21.74 deaths per 100,000 population, costing ±1.5% of Gross National Product (GNP), or RM5.12 billion.
  • Transport accidents (5.3%) were the 4th most common cause of death in Malaysia in 2016, behind ischaemic heart disease (17.8%), pneumonia (11.1%) and cerebrovascular disease (7.2%).

Case Study

A policyholder’s Range Rover Sport was stolen from outside his home. With a specialist high net worth insurer, the same day they would arrange a similar four-wheel drive courtesy car for him until his claim was settled. The car was found 27 days later… unfortunately, in police custody after having been involved in a heist. A trial would possibly take a year before authorities could release the car. Luckily, the insurer accepted this as a ‘total loss’ and paid the full “Agreed Value” of his car — agreed at the beginning of the policy.

This meant that he received a better settlement than the ‘market value’ of his car, which most insurers pay, and could replace it with exactly the same model.

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