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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.

How will insurance premiums be priced from 1 July 2017 onwards?

Effective 1 July 2017, under the liberalised environment, more risk factors will be considered in determining premiums. Other than the sum insured, cubic capacity of the vehicle engine, age of vehicle and age of driver, premiums may be driven by other factors. These factors could be safety and security features in the vehicle, duration that the vehicle is on the road, geographical location of the vehicle (in areas with higher incidents of theft) and traffic offences on record.

These factors will define the risk profile group of the policyholder which will determine the premium. As different insurers and takaful operators have different ways of defining the risk profile group, the price of a motor policy would differ from one insurer to another.

Recent FAQ

If I am a safe/good driver without any traffic summons and reported accidents, will my premium be lowered?

Yes. Driving behaviour and driving experience is considered in risk...

What if I cannot afford to pay the excess?

If you are unable to pay the excess, your insurer may refuse your claim or...

Are there any extra benefits that can be added to my motor policy?

Yes, we provide the following extra coverage...