Tokio Marine AutoPro explained: benefits, limits and the fine print
Tokio Marine AutoPro is a comprehensive car policy with unlimited towing and a waived excess for unnamed drivers. Here is what the product page states.
Tokio Marine AutoPro is a comprehensive private car insurance product sold in Malaysia, positioned around a waived excess for unnamed drivers and unlimited towing anywhere in the country. This article works from Tokio Marine's own published product details and disclosure sheet for the plan, current as at the date shown in that material, without any claim that AutoPro is the best or cheapest comprehensive policy available.
Cover types on offer
AutoPro is offered as Comprehensive cover, or as Third Party, Fire and Theft cover, following the standard structure of Malaysian motor insurance. Comprehensive is the tier that covers your own vehicle against accidental damage in addition to third-party liability, and it is the tier the plan's headline benefits below apply to.
What the published benefits include
- RM400 compulsory excess waived for unnamed drivers. Ordinarily, letting someone other than the policy's named driver drive the car can trigger a higher excess on a claim; AutoPro's product material states this RM400 compulsory excess is waived.
- Unlimited towing within Malaysia, provided through the insurer's Auto Partner Road Assistance service, without a stated cap on the number of tows or distance.
- Zero betterment for vehicles up to 15 years old. Betterment is the amount you would otherwise pay when a replacement part costs more than the depreciated value of the part it replaces; AutoPro states this charge is waived for vehicles up to 15 years of age.
- Personal accident cover up to RM25,000 per driver or passenger, with an overall policy limit of RM200,000 across a policy period.
- Flood allowance of RM1,000 per occurrence.
Other details worth knowing
- NCD protection. An NCD relief add-on is available, which can protect your no-claim discount from being reduced after a claim, for an additional premium.
- Medical expenses benefit. A daily hospital income of RM100 per person, up to RM15,000 per policy period, separate from the personal accident lump sum.
- Add-ons. The product page lists optional extensions including windscreen cover, passenger liability cover, strike, riot and civil commotion cover, Compensation for Assessed Repair Time (CART), and an EV charger and cable cover add-on for electric vehicle owners.
- Special perils. Beyond the RM1,000 flood allowance built into the base plan, a broader special perils inclusion is available as an add-on, which is worth asking about if your area has meaningful flood exposure beyond a single occurrence limit.
Note that at the time this material was retrieved, Tokio Marine's own product page returned an access error rather than the full page content, so the description above relies primarily on the product's disclosure sheet and the summarised details available; confirm current terms directly with Tokio Marine or an authorised agent before relying on any figure here.
What governs if a figure here and the policy disagree
Tokio Marine publishes both a Private Car Plus product disclosure sheet and an AutoPro-specific one, alongside separate policy wording documents for each. Where a figure in this article, or in any marketing material, differs from the disclosure sheet or the policy wording, those documents are the ones that determine what is actually covered and paid. Tokio Marine also publishes a claims guide for motor accidents and an Auto Partner pamphlet describing the roadside assistance service in more detail.
What to check against any comprehensive motor quotation
| Check | Why it matters |
|---|---|
| Whether you drive under agreed value or market value | Changes how a total loss payout is calculated |
| The betterment age cut-off | AutoPro states zero betterment up to 15 years; confirm what applies beyond that age |
| Flood cover limit versus the special perils add-on | RM1,000 per occurrence is the base allowance; a wider special perils add-on may be worth the extra premium in flood-prone areas |
| NCD relief terms | Confirm what triggers loss of NCD despite the add-on |
Our motor plan comparison is a way to check AutoPro's structure against other comprehensive motor products before renewing or switching insurers.
Talk to an advisor
Add-ons, betterment cut-offs and flood limits are the details that matter most at claim time, and they are easiest to get right before a policy is issued rather than after an accident. A licensed advisor can go through AutoPro's disclosure sheet against your specific vehicle and driving situation. Find one through the advisor directory, or ask our assistant about a benefit or add-on you are considering.
Sources
This content is educational information from a licensed advisor, not financial advice. Product details vary by insurer — verify specifics with an advisor.
