Most People Don’t Realise Car Insurance Can Actually Go This Far

Most People Don’t Realise Car Insurance Can Actually Go This Far

For many Malaysians, car or motorcycle insurance is something you think about only once a year. You renew it because you have to — to get your road tax, to avoid fines, or to tick a legal box. Beyond that, insurance often feels distant and transactional. You pay, you receive a policy document, and you hope you’ll never need to use it.

But what if insurance wasn’t just paperwork?

What if, in the moments that truly matter — after an accident, during a breakdown on a dark highway, or when your livelihood depends on a vehicle being back on the road quickly — your insurer actually stepped in and guided you through everything?

That is where Liberty General Insurance is quietly changing expectations.

Liberty General Insurance is the only general insurer in Malaysia that operates three established brands under one umbrella: Liberty Insurance, Kurnia Insurance, and AmAssurance. Each brand carries its own legacy and customer base, but together they form a single ecosystem designed to offer something more complete than standard coverage.

What makes Liberty stand out isn’t just the policy itself — it’s how the company supports customers before, during, and after an incident.

Beyond a Policy: A Different Approach to Vehicle Insurance

Most insurance policies end at “coverage approved.” Liberty takes a different approach. Their focus is not just on financial protection, but on managing the entire experience when something goes wrong.

This approach is anchored by three core elements:

Vehicle Accident Management (VAM)
Digital Roadside Assistance (DRA)
The 365 Plan, available for private cars, motorcycles, and commercial vehicles

Each of these elements addresses a real pain point that many drivers and riders in Malaysia have faced at least once.

Vehicle Accident Management (VAM): Support When You’re Most Vulnerable

Ask anyone who has been involved in an accident — the worst part isn’t always the damage to the car. It’s the confusion that follows.

This is exactly the situation Liberty’s Vehicle Accident Management (VAM) is designed to prevent.

With VAM, Liberty doesn’t leave customers to figure things out on their own. From the moment an accident is reported, Liberty guides policyholders step by step — from initial advice, to authorised towing, to claims registration and repair.

Instead of being towed to an unknown location, vehicles are directed to Liberty & Kurnia Assessment Centres, where assessments are handled professionally by Liberty officers and in-house adjusters. This controlled process reduces delays, eliminates uncertainty, and protects customers from unnecessary costs.

Once all required documents are submitted, claims assessment and approval can be completed as quickly as one working day after all documents are received. Customers receive clear explanations on their claim type — whether it involves Own Damage (OD), Third Party Property Damage (TPPD), Express Claims, or others — so there is no guesswork involved.

Nearest Workshop in the Country, with shorter turnaround times and,notably, windscreen repair warranty of up to three years for work approved by Liberty. This level of assurance is rare in the market and reflects confidence in the quality of repairs performed.

For customers outside the Klang Valley, Liberty ensures the same standards by working with appointed workshops across Malaysia, maintaining consistency in service and quality.

Important note: VAM is a distinctive feature available to private car comprehensive policyholders. Policy terms and conditions apply.

Transparency and Updates, Not Silence

One of the most frustrating parts of vehicle repair is the lack of information. Cars disappear into workshops, and owners are left waiting — unsure when repairs will begin, progress will be made, or completion will happen.

Liberty addresses this with status updates throughout the repair journey, allowing customers to stay informed from start to finish. Windscreen repairs or replacements can also be arranged promptly, handled by qualified specialists due to the extended warranty coverage.

This emphasis on transparency and accountability reflects a modern, customer-first mindset — one that treats insurance as an ongoing service, not a one-time transaction.

Digital Roadside Assistance (DRA): Help at One Touch, 24/7

Breakdowns don’t follow office hours.

Imagine being stranded late at night on a highway, trying to remember which insurer you’re with, searching for documents, making calls, and hoping someone answers. It’s stressful — and unnecessary.

Liberty simplifies this experience with Digital Roadside Assistance (DRA) through its One Touch mobile application.

With a single tap, customers can request assistance. The app automatically traces the vehicle’s live location, dispatches authorised towing or breakdown services, and provides real-time updates — all within the same platform. There’s no need to explain directions repeatedly or wonder when help will arrive. Everything is visible, traceable, and recorded.

DRA is available to all policyholders with active motor policies that include towing or roadside assistance benefits, as well as authorised drivers of the insured vehicle.

In a world where convenience matters, this digital-first solution feels less like insurance and more like having support on standby, wherever you are.

The 365 Plan: Protection That Matches Real Life

Accidents, illnesses, and emergencies don’t take days off. That’s the idea behind Liberty’s 365 Plan — an optional premium add-on designed to provide protection 24 hours a day, 365 days a year.

Rather than offering one-size-fits-all coverage, Liberty tailors the 365 Plan to different vehicle lifestyles.

Private Car 365 Plan

Designed for everyday drivers, this plan includes:

Unlimited towing assistance
Flood allowance (increasingly relevant in Malaysia)
Medical expenses
Accidental death and permanent disability benefits
Compassionate allowance in cases of total loss or theft
International towing assistance for drivers travelling to Thailand, Brunei, or Singapore

It’s coverage that extends beyond the vehicle itself, supporting the person behind the wheel as well.

Motorcycle 365 Plan

Motorcyclists face unique risks, and Liberty acknowledges that reality. This plan includes protection not just for riders, but also for pillions.

Benefits include medical expenses, accidental death and permanent disability coverage, and a standout feature known as Double Indemnity. If an accident resulting in death or permanent disability occurs on a public holiday, compensation is doubled — a benefit rarely seen elsewhere.

Commercial Vehicle 365 Plan

For business owners, vehicles are more than transport — they are income-generating assets.

Liberty’s Commercial Vehicle 365 Plan focuses on business continuity, offering:

Compassionate allowance for total loss or theft
Towing assistance up to 150km (three times per year for eligible vehicles up to 8 tonnes)
Accidental death and permanent disability coverage for drivers and assistants

When a business vehicle is immobilised, operations can grind to a halt. This plan is designed to minimise disruption and protect livelihoods.

Standing Out in a Copy-Paste Industry

The insurance market is crowded, and many products look similar on the surface. What sets Liberty General Insurance apart is not just what is covered, but how coverage is delivered.

From structured accident management and digital roadside assistance to lifestyle-based protection plans, Liberty demonstrates that insurance can be proactive, supportive, and genuinely useful.

For drivers, riders, and business owners looking for vehicle insurance that is easier to manage and easier to trust, Liberty offers a compelling alternative — one that goes far beyond the basics.

Sometimes, the most valuable part of insurance isn’t the policy itself, but knowing someone has your back when things don’t go according to plan.