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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.

When and how was the implementation Phased Liberalisation of the Motor Tariff?

The Phased Liberalisation of the motor tariff were implemented in a phased approach to allow time for consumers and industry to adjust to the new operating environment. 

In the first phase, starting 1 July 2016, insurance/takaful companies progressively offered new products to the consumers at market rates. Existing Motor Third Party product and Motor Comprehensive and Motor Third Party Fire and Theft product will continue to be made available. 

Starting 1 July 2017, premium/contribution rates for Motor Comprehensive and Motor Third Party Fire and Theft product will be liberalised. A more gradual upward adjustment similar in quantum to the adjustments of tariff made from 2012 to 2015 under the Framework will be made for some vehicle classes under Motor Third Party cover which remain substantially underpriced (for every ringgit of contribution received, insurance and takaful companies are paying between RM1.30 to RM3.00 in claims).

This is to avoid sharp upward premium/contribution rates adjustments if this class of coverage is immediately liberalised.

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