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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.

What happens if I under-insure/over-insure my vehicle?

If your vehicle is under-insured, you will be considered self-insured for the difference. For example, if your vehicle has been lost or damaged, you will only be partially compensated up to the Sum Insured you have chosen.

If you have over-insured your vehicle, you would have paid a higher but unnecessary premium. If your vehicle is over-insured when it was stolen and not found, we will settle your claim to cover the loss incurred up to the market value of your vehicle. 

Recent FAQ

What is a risk profile? Who determines a risk profile?

A risk profile is an analysis of whether a pool of consumers present a high or low risk, based on factors such as...

What Foreign Worker insurance does P&O Insurance offer?

P&O Insurance provides coverage through 2 different products...

Does P&O Insurance offer insurance for workers if they get into an accident?

We have a few policies of insurance for workers such as...