Frequently Asked Questions

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

How is my NCD forfeited?

If any claim is made (with exception to a Windscreen and No Fault Own Damage claim) on your motor insurance policy during your period of cover, your NCD will be forfeited and return to 0%. You will have to accumulate your discount from the beginning in a new cycle.

Recent FAQ

Can someone with an international driving license drive my car?

Yes, they can. They will still be covered by your policy if...

Am I still entitled to the reward if my friends and family buy products through your counter directly?

No. You can only receive your reward if your friends and family purchase a Pacific & Orient Insurance Motor product...

How much is my premium to cover the expenses or compensation of my workers if they are disabled or pass away in an accident?

Your total premium depends on the number of workers insured. The premium per worker is RM72 as...