Motor & home

SmartHome Optimum (Enhanced)

Motor & home

SmartHome Optimum (Enhanced)

Safeguard your home and valuable contents

Damage or break-ins to your home can be financially and emotionally distressful for you and your family.

With SmartHome Optimum (Enhanced), you can protect your home and valuable belongings with one easy plan according to your needs.

No Average Clause
Up to 1/2 sum insured for jewellery

Flexible plans to cover either your building, home contents or both, according to your needs.

Claims payout is based on first loss up to sum insured amount

Choice of up to 1/2 of sum insured to cover your jewellery

No Average Clause

Flexible plans to cover either your building, home contents or both, according to your needs.

Covers your home contents under 'All Risk' basis.

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Benefits

SmartHome Optimum (Enhanced) allows you to select the type of protection to suit your needs.

Houseowner (building)
Home Contents
Complimentary Benefits
Optional Riders

Cover your building against loss or damage caused by fire, lightning, flood and other natural disasters.

Covers your home contents under 'All Risk' basis.

Whether you choose to cover only your building or home contents, various complimentary benefits are available for you.

Add on Worldwide Personal 'All Risk' and Worldwide Family Liability to cover your personal effects and your family against 3rd party liability.

Houseowner (building)
Home Contents
Complimentary Benefits

Cover your building against loss or damage caused by fire, lightning, flood and other natural disasters.

Covers your home contents under 'All Risk' basis.

Whether you choose to cover only your building or home contents, various complimentary benefits are available for you.

Houseowner (building)
Home Contents

Cover your building against loss or damage caused by fire, lightning, flood and other natural disasters.

Covers your home contents under 'All Risk' basis.

Pay As You Drive (PAYD)
All Drivers Extension
Key Care Protection
Flood Relief Allowance

Automatic mileage recording to enable “Pay per Mile” insurance & Auto Top Up to ensure continuous comprehensivecoverage.

Comprehensive private car insurance coverage extended to anyone who drives your car.

Covers the loss or damage to your car key due to actual/attempted theft, robbery or house break-in. We will reimburse the actual repairing replacement cost up to RM1,000.

Up to RM1,000 in the event of damage to your car due to flood.

Car Replacement Allowance
Additional Cash Payout
Window Snatch Theft
ATM Withdrawal Protection

Get daily allowance for own damage claims at approved AXA repairer.

Excludes windscreen, total loss or Knock for Knock(KFK) claims.

Get a payout of 20% of Sum insured or up to plan limit stated for total loss or theft of your vehicle. Pays on top of the claim amount from your car insurance.

Pays RM 500 in event of personal belongings stolen from “smash & grab” incident whilst driving.

We reimburse the loss of cash up to RM 1,000 due to robbery or snatch theft within 24 hours from time of withdrawal from ATM.

Risk Based Pricing
More Add-ons and Benefits
Fast Claims Approval

Enjoy potentially lower premium (detariffed rates) if you have a safer risk profile.

Enhance your protection with add-on covers such as windscreen, flood & natural disasters, waiver of betterment and more.

Submit your claim online for easier and faster claim processing and payment.

Simple enrollment
Protect against depreciation
Get a new replacement vehicle

One-time upfront insurance premium for up to 5 years coverage.

In the event of a total loss of your vehicle following damage, fire or theft, GAP-RTIV covers the difference between the claim payout you get from your comprehensive motor insurance policy and the insured value of your vehicle at the time of purchase of GAP-RTIV policy.

GAP-RTIV pays the difference between the comprehensive motor insurance payout and the insured value of your vehicle at the time of purchase of GAP-RTIV policy.

Comprehensive cover for building & home contents
No Average Clause
Up to 1/2 sum insured for jewellery

Flexible plans to cover either your building, home contents or both, according to your needs.

Claims payout is based on first loss up to sum insured amount.

Choice of up to 1/2 of sum insured to cover your jewellery.

No Claim Discount
Roadside Assistance with Towing

Get no claim discount upon renewal if you did not make any claim on your policy.

24 hour Roadside Assistance with towing option when you add on the Motorcycle Personal Accident cover.

Extensions

SmartHome Optimum (Enhanced) offers various optional extensions for your property

Riot, Strike and Malicious Damage
Impact Damage (Including Own Vehicle)
Plate Glass Damage

Covers loss or damage to property due to riot, strike, and malicious damage.

Covers loss or damage to the property directly resulting from impact by vehicles or animals belonging to or under the control of the Insured.

Covers accidental breakage of plate glass.

Waiver of Betterment
Legal Liabilities to Passengers
Legal Liabilities of Passengers

Cover the additional cost for replacement of the damaged/broken parts with brand new original parts.

Stay protected from legal liabilities sought by your passengers against you in the event of an accident due to your negligence.

Cover you against acts of negligence by your passenger that cause loss or damage to a third party.

Subsidence & Landslip
Damage by Falling Trees or Branches
Alterations, Repair and Additions

Covers loss or damage to your property due to subsidence and landslip.

Covers loss or damage to your property due to falling trees or branches.

Extends to cover the property when alterations, repairs and additions are being carried out to the building.

Legal Liabilities to Passengers
Legal Liabilities of Passengers

Stay protected from legal liabilities sought by your passengers against you in the event of an accident due to your negligence

Cover you against acts of negligence by your passenger that cause loss or damage to a third party.

Legal Liabilities to Passengers
Legal Liabilities of Passengers

Stay protected from legal liabilities sought by your passengers against you in the event of an accident due to your negligence.

Covers you against acts of negligence by your passenger that cause loss or damage to a third party.

Customer Reviews

“I did not realise that my microtag dropped and landed underneath the passenger seat. To my surprise, it automatically alerted my family that I was involved in an accident.
I was very puzzled when I received a call from my mother who sounded very worried. I later found out that she received an alert from the AXA SmartDrive Safe app. Although it was a false alert, I think the product and microtag did a good job. It gives me peace of mind knowing that they will alert my emergency contact during critical time.”

Wong Jing Chung, AXA SmartDrive Safe User

“One time I was so sleepy, and I was driving at 110km/ hour on the highway. It is above the speed limit and the microtag beeped a few times. It manages to wake me up and remind me to be more alert.”

Johari Bin Abdul Jalil, AXA SmartDrive Safe User

“I accidentally bumped into a divider to avoid hitting a car at the junction. My tyre punctured immediately, but luckily; I was able to call for help with just a touch of button with AXA Microtag. AXA Roadside Assistance was super responsive. As soon as they came, it took them only 20 mins to fix my punctured tyre and replace it with a new one. Everything was settled within 1 hour. This has been the best experience and privilege I've ever had!”

Ooi Yong Ling, AXA Smartdrive safe user

“I used to hate the beeping sound from AXA microtag each time I checked my phone while I drive. But after a year of driving with the microtag, I have slowly stopped myself from checking my phone. I think this made me a safer driver!”

Ow Kok Fei, AXA SmartDrive Safe User

“I used to check my phone a lot while I drive. However, ever since I started using AXA SmartDrive Safe app, I have stopped that bad habit. In fact, I would make sure that I pull to the side of the road if I need to use the phone. Kudos to the creator of the app!”

Taranjit Singh A/L Fateh Singh, AXA SmartDrive Safe User

FAQ

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How does GAP-RTIV work?

It covers financial shortfall between the amount received from Comprehensive Motor Insurance Policyin the event of total loss or theft and the insured value when the policy was first purchased

Who is entitled to GAP-RTIV?

Only new registration or registered passenger vehicle purchaser with Hire Purchase loan.

Is flood, typhoon, hurricane, storm, tempest, volcanic, eruption, earthquake, landslide, landslip or other convulsion of nature covered by GAP-RTIV?

Yes, provided Comprehensive Motor Insurance is extended to cover these extra benefits.

Is GAP-RTIV transferable?

GAP-RTIV is NOT transferable.

Is GAP-RTIV renewable?

If the customer has Third Party Motor Insurance, in the event of theft or total loss, will GAP-RTIV pays?

GAP-RTIV is NOT renewable.

NO payout because without a Comprehensive Motor Insurance coverage the GAP-RTIV is treated as void.

Am I eligible for SmartDrive Safe?

All comprehensive private car policyholders are eligible

What is Microtag?

Microtag is a wire-free and self-powered device that provides assistance in case of vehicle breakdown or emergency. It automatically connects with SmartDrive Safe mobile app via Bluetooth for Automatic Driver Recognition.

Do I get charged for Microtag device?

We provide one complimentary device for each of you insured car. First time delivery of the device will be shipped free of charge too. If device is lost or damaged, a replacement fee of RM90 applies.

Is there a device warranty?

Microtag has 1 year warranty and it covers manufacturing defects. If the device is lost or damaged, a replacement fee of RM90 applies.

Is there a deadline for the activation of my Microtag?

To enjoy the full benefits of SmartDrive Safe, you are recommended to complete the fitment and activate in 30 days upon receiving the device. You will also receive complimentary Safe Driving Points as soon as Microtag has been paired and activated to compensated the time taken for device delivery.

How do I know if my phone has successfully connected to the Microtag?

Microtag connects to the app automatically. You will be notified each time via a push notification and beeping sound.

Is there a notification if I forgot to pair the app with the Microtag?

Yes, you will be notified via a push notification incase you started driving with the Bluetooth being switched off.

If I cancel my policy, do I need to return my Microtag device?

No, you are not required to return the device if you cancel or choose not to renew with us.

Do I have to turn on SmartDrive Safe app everytime I drive?

No, as long as your mobile phone and Bluetooth are turned on, the app automatically connect with Microtag and run in the background.

Do I need to turn on location services at all times?

Yes, SmartDrive Safe app needs to access your location to detect and record your trip accurately when paired with Microtag. Location is used to locate your actual car location whenever you press the SOS button on Microtag to provide you with emergency assistance. In the event of a severe accident, it is automatically triggered to our call centre via your mobile phone.

Will SmartDrive Safe app drain my phone battery? How much data is consumed?

The app is designed to efficiently minimise battery consumption and uses very minimal data. It will only record trips once connected to your Microtag.

How do I earn Safe Driving Points?

With Microtag device activated and paired to your mobile phone, you can earn Smart Driving Points for each of your completed trip. SmartDrive Safe app uses location, speed and motion to record your trips and determine score for your Safe Driving Points. The score is based on how safe you drive, how you handle corners, braking and speeding and how frequent you use your phone while driving.

What can I do with the earned Safe Driving Points?

The points can be used to redeem e-voucher(s) from any of the merchants listed in SmartDrive Safe app at anytime as long as the points are still valid.

What types of information does the Microtag capture and what will AXA do with my data?

When connected to SmartDrive Safe mobile app, your location, speed and motion are captured, in particularly, how safely you drive, how you take your corners, brake, speed and how frequently you use your phone while driving.

These data will solely be used for the purpose of recording trips and determining your score for Safe Driving Points.

For more information, kindly refer to the Product Disclosure Sheet below.

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