SMARTDRIVE

Get insured the Smarter way.

Get insured the Smarter way.

Protection against the unforeseen

SmartDrive gives you an All-in-One coverage, a comprehensive list of options, as well as round-the-clock roadside assistance.

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SmartDrive Coverage

Basic coverage and requirements

SmartDrive covers:

  • Loss or damage to your own vehicle due to accidental fire, theft or accident.
  • Your liability or your authorized drivers' liability to third parties for
  1. bodily injury or death;
  2. damage to property
Minimum Sum Insured RM10,000
Maximum Sum Insured RM500,000 (> RM500,000 acceptance on case-to-case basis by AXA Affin)
Benefit Term 1 year (renewed annually)
Minimum Age 17 to 20 years old (a premium loading of 15% will apply)
Maximum Age 70 years old

SmartDrive can be extended to included coverage for:

  • Breakage of glass in windscreen, window or sunroof
  • Legal liability to passengers
  • Legal liability of passengers for negligent acts
  • Flood, typhoon, hurricane, storm, tempest, volcanic eruption, earthquake, landslide, landslip, subsidence or sinking of the soil/earth or other convulsion of nature
  • Strike, riot and civil commotion
  • Compensation for Assessed Repair Time (CART)
  • No Claim Discount (NCD) Relief
  • Vehicle accessories
  • Gas conversion kit and tank
  • Named Driver
  • Unnamed Driver
  • Extension to Thailand
The Driver's & Passengers' PA

A wide range of optional benefits

The Driver's & Passenger's Personal Accident (DPPA) covers:

  • Liability to third parties for bodily injury and death to drivers and passengers
  • Reimbursement for medical expenses to drivers and passengers
Death benefit per person RM10,000
Loss of both hands or both feet RM10,000
Loss of sight of both eyes RM10,000
Loss of one eye and one hand or one foot RM10,000
Loss of one hand or one foot RM5,000
Loss of sight of one eye RM5,000
Medical expenses RM500 (max)
Seating capacity as per vehicle registration card Annual Premium with GST
4 seats including driver (3 passengers & 1 driver) 53
5 seats including driver (4 passengers & 1 driver) 63.6
6 seats including driver (5 passengers & 1 driver) 74.2
Each additional seat 8.48
AXA SmartDrive Assistance Plan

Your 24-hour roadside assistance

COMPLIMENTARY AXA SmartDrive Assistance Plan (ASAP)

You'll also enjoy these complimentary additional benefits and services:

  • 24-hour hotline for immediate advice, assistance and general claim information
  • Towing services when your car meets with an accident or breakdown
  • 6 months repair warranty
  • And more!

Important Notice:

  • This document is for general information and is not to be construed as a contract of insurance. The precise terms, conditions and definitions of the insurance plan are specified in the policy contract issued by AXA AFFIN General Insurance Berhad (23820-W).
  • This insurance product is obligation only of the insurance company. It is not a bank deposit or obligation of or guaranteed by Citibank Berhad, Citibank N.A, CitiGroup Inc. or any of its affiliates or subsidiaries.
  • You should satisfy yourself that this insurance product will best serve your needs and objectives, and that the premium payable under the policy contract is an amount you can afford.
  • This document does not constitute the making of any offer or invitation to subscribe for insurance products nor does it amount to solicitation by Citibank Berhad, Citibank N.A, CitiGroup Inc. or any of its affiliates or subsidiaries for application of insurance products by anyone in any jurisdiction in which the making of such offer or invitation to subscribe or the solicitation thereof is not authorized or to any person to whom it is unlawful to make such an offer, invitation or solicitation.
  • This document also does not constitute the distribution of any information by anyone in any jurisdiction in which such distribution is not authorized or to any person to whom it is unlawful to distribute such a document.
  • This insurance plan is underwritten by AXA AFFIN General Insurance Berhad (23820-W).