Total Assist: 1-800-88-2121

Frequently Asked Questions

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

What is a Basic/Standard Excess and/or Compulsory Excess?

A Basic/Standard Excess is the amount you must bear for each claim we approve, even if the incident is not your fault. This does not apply for loss or damage caused by fire, explosion, lightning, burglary, housebreaking, theft, third party property damage or bodily injury claims.

A Compulsory Excess is an additional RM400 you must bear if you or the person driving the vehicle is either:

  • Under 21 years old.
  • Holds a Provisional (P) or Learner (L) driver’s licence.
  • Not in your policy as a named driver.

So, for example, if the claim payable is RM10,000 but your policy carries a basic excess of RM500, you would need to bear the first RM500 yourself while we pay the balance of RM9,500.

However, if the driver is below 21 years old, you would also need to bear the Compulsory Excess of RM400. As such, you would need to bear RM900 (500+400) and we will pay RM9,100.

Recent FAQ

What should I look out for when purchasing motor insurance now?

You should focus on what the policy covers, excludes, and the insurer’s customer service standards...

Can I buy flood or windscreen cover if I purchase PrOmilej?

Yes. You can buy the flood or windscreen cover at a premium that corresponds to your allocated mileage...

How much is my premium for the Passenger’s Driver Plan (PDP) policy?

Your total premium depends on your type of plan, the number of people covered, and...