Drive Worry-Free, Every Day
Protect your vehicle with coverage that goes beyond the basics. AutoFirst insurance shields your car from accidents, theft, and natural disasters—giving you full protection on and off the road.
Drive with peace of mind knowing you’re covered against the unexpected.
Benefits and Coverages:
Auto-Personal Accident (APA)
The APA provides personal accident insurance for the authorized driver and passengers of the insured vehicle.
Own Damage and Theft (OD/Theft)
Any damage to the insured vehicle caused by accidental collision, overturning, fire or lightning, external explosion, self-ignition or theft.
Acts of Nature
Provides cover that pays for damage to insured vehicle due to natural disaster.
Third Party Liability – Bodily Injury (TPL-BI)
The TPL-BI is an optional additional cover on top of the maximum limit of the CPTL. This provides for the payment to the affected person to compensate for bodily injury caused by the insured vehicle.
Third Party Liability – Property Damage (TPL-PD)
The TPL-PD is an optional additional cover that pays for the damage caused by the insured vehicle to the property of a third party.
Road Assistance Services*
Towing service up to the nearest facility, on-site emergency repairs, and claims assistance.
Hotel accommodation for a maximum of two (2) nights, alternative transport to your destination, hospital admission, and legal assistance.
Tire change, battery boosting, jumpstart, car lockout assistance, and fuel delivery.
*All services cover vehicles for private use only, vehicles not older than 10 years old, and not heavier than 3,500 kilograms. Other conditions apply based on policy.
Frequently Asked Questions:
What is Comprehensive Motor Insurance?
Our comprehensive motor insurance is called AutoFirst. It covers loss or damage to your vehicle due to accidents, theft, fire, and natural disasters. It also includes liability protection for damage or injury you cause to third parties.
What does it cover?
✔ Accidental collision or overturning
✔ Theft and burglary
✔ Fire, explosion, lightning
✔ Acts of nature (e.g. typhoon, flood, earthquake)
✔ Third-party bodily injury and property damage
✔ Other perils specified in your policy
What is not covered?
Exclusions vary per policy, but generally include:
✖ Driving without a valid license
✖ Intentional damage
✖ Mechanical or electrical breakdown
✖ Use of the vehicle for illegal activities
Always check your policy’s full list of exclusions.
Is AutoFirst insurance mandatory?
No, only CTPL (Compulsory Third Party Liability) is required by law. However, comprehensive insurance gives you broader protection for your own vehicle and finances.
Can I add coverage options?
Yes. You can add Third Party Liability – Bodily Injury, Third Party Liability – Property Damage, to enhance your protection. For more information, ask your agents or email [email protected].
How is premium computed?
Premium depends on factors such as:
• Vehicle make, model, and year
• Sum insured (vehicle’s fair market value)
• Usage type (private or commercial)
• Driver’s profile and claims history
What do I do in case of an accident or claim?
1. Ensure safety first.
2. Notify your agent or email us immediately at [email protected].
3. Secure a police report if needed.
4. Submit required documents for claims processing.
Refer to your policy for the hotline number.
Can I transfer my policy to another car?
No, policies are issued per specific vehicle. You need to apply for a new one for a different car.
How long does it take to process a claim?
Processing time depends on document completeness and assessment, but typically ranges from 7 to 15 working days.
How do I renew my AutoFirst insurance?
Contact us or your agent before expiry. Your vehicle will be reassessed for its current market value to compute your renewal premium.