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Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

Motor Claims – Own Damage (OD)

What will I incur when making an Own Damage claim under my comprehensive policy?

You will have to bear a fraction of the repair charges if your vehicle is more than 5 years old and new franchise parts are used (this is known as betterment). Amount of compulsory Excess imposed on the policy and Endorsement 2f excess (for private cars only) RM400.00 if at the time of the accident your vehicle was driven by a person:

  • Who was not named in the policy as a driver,
  • Below 21 years of age,
  • Has less than 2 years of driving experience (holder of Probationary Driving License).

You will also have to bear a proportion of the repair costs if your vehicle is under-insured (i.e. the difference between the sum insured and market value is more than 10%).

Recent FAQ

Motor Claims – General

Why did my insurer pay my claim to the credit / leasing / hire-purchase company when I have paid the premium?

Your policy is subject to an endorsement 15 i.e. Hire Purchase. Under the Motor Policy, the credit/leasing/hire purchase company...

Am I still entitled to the reward if my friends and family buy products through your counter directly?

No. You can only receive your reward if your friends and family purchase a Pacific & Orient Insurance Motor product...

Motor Claims – General

Do I need to list my child in my policy if they drive my car?

Yes, you do. If the driver is not listed in the policy and you need to make a claim, you may not be covered by...