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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.

Motorcyclists have the highest casualty rates in Malaysia, how will Motor Premiums Liberalisation affect them?

Premiums will be impacted by the claims history and driving habits of the insured. However, the first phase of liberalisation covers Comprehensive and Third Party Fire and Theft cover, which are basically purchased by owners of private cars and other four wheeled vehicles. PIAM is committed to promote safe driving habits and all road users should consciously practice good driving habits, not just to enjoy lower premiums but also for their own safety.

Recent FAQ

What is Private Car Comprehensive Insurance?

Our Comprehensive Car Insurance covers the fire, theft, loss, and damages to your car in an accident with another party...

What insurance products does P&O Insurance offer?

P&O Insurance offers a range of personal and business insurance...


What is PrOrumah? What is the difference between this and a normal P&O Houseowner or Householder policy?

Essentially, PrOrumah is a combination of both our Houseowner and Householder policies at 30% cheaper. It protects your house and/or its...