Your bank account details and other related information will only be used for payments directly into you account. You are protected under the Financial Service Act 2013, which strictly prohibits the disclosure of such information to anyone unless the customer or their personal representative has given written permission to share this.

It should be noted that by signing the relevant form to provide your bank account information, you are authorising the disclosure of your bank account information to the necessary parties to mediate payment to you by your insurance company.

No, it’s free to enjoy.

We strongly encourage you to register your bank account details to receive payments directly into your account.

You must indicate that you want to receive your payment through e-payment in your claims form or notify your insurance company. You will be required to provide your bank account information to the insurance company in writing or on the E-Payment Form.

If any changes have been made to your bank account, you should inform your insurance company immediately to avoid any potential problems.

Your NRIC, passport, or other acceptable identification documents and bank account details through your bank statement, account passbook or a letter from your bank confirming your bank details will be needed.

Yes, you can. Submit the relevant form with the required supporting documents to your insurance company. This is free to do.

You can assign any of your active saving or current accounts. They must be under your name and not joint. They should also be maintained with one of the institutions offering MEPS Inter-Bank GIRO (IBG) services.

You can check if your bank is a member of IBG with this link:

https://paynet.my/interbank-GIRO/banks-tpa.html

Payment will be made into your bank account by your insurance company as soon as your claim is approved. Funds are usually available within the same day for Maybank account holders and available between 3 to 7 working days for other commercial banks.

Yes, you will. An email or letter will be sent to you once your claim has been approved and payment has been made. You should provide your email address to your insurance company to receive these notifications.

It is simply much faster and entirely hassle-free! Payments to Maybank account holders happen on the same or following day, while it takes 3 to 7 working days for other banks.

If funds cannot be credited into your bank account due to an error in the information you have provided, or if your account provided is inactive or closed, your insurance company will contact you to reconfirm your details.

To avoid, this, make sure the information you have provided is correct. Otherwise, your insurance company will arrange a cheque to remit your payment to you.

If you want all your payments to be paid into the same account, you should inform your insurance company of this when submitting your claims form or when requesting a policy cancellation.

You can also assign different bank accounts to each of your policies. To do this, you will need to provide your insurance company with the details of your accounts for each of your policies.

All payment due to a policyholder will go to the administrators of their estate and named beneficiaries in the event of their death.

No, you don’t. However, you should update us if any changes have been made.

Yes, you can. However, this is a private arrangement between yourself and your employer, and the insurance company will not be liable if it is not paid out.

You can also request a cash cheque for the claim amount. It is advised that you open a bank account regardless.

Your claims can still be settled through a cash cheque. You can also provide a spouse/relative’s bank account details. If you do so, however, we are not liable if the payment is not paid out to you, as this is a private arrangement between you and the other party.

We highly encourage doing so for e-Payment, as it is the fastest, easiest and safest mode of payment. If you do not want to do so, you should notify us in writing to indicate that payment to you should be made in the form of cheques.

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.

You can renew your insurance up to 60 days before it expires, and you will still benefit from your next NCD level.

Convenient and efficient, you can renew your motor insurance or receive an immediate quotation with just one phone call. After you submit your documents and payment is cleared, you will receive your policy by email/courier in 24 hours. No traffic or queuing needed!

Our policies cover you in Malaysia, Singapore and Brunei in accordance with Malaysian laws. Please note that if you intend to drive your car into Singapore, you are required by Singapore’s law to have cover against Legal Liability to Passengers (LLP). Since LLP is not covered by our basic Private Car Policy, you will need to purchase this additional coverage on top of your existing policy.

Yes, there is. You must be 16 and above for motorcycles and 18 and above for private cars to have your own insurance policy.

You will need to fill up a form by providing the number of your bank account and a copy of your previous policy to transfer your NCD.

Yes, you can. This typically happens when you have sold your old vehicle and want to transfer your NCD to your new one. The NCD rate is attached to your name, so you can easily transfer this. However, you cannot transfer your NCD to another person.

If you do not transfer your NCD to another vehicle, your NCD entitlement level will drop one level each year. For example, if your NCD entitlement is 55% this year, it will drop to 45% next year, if it is not transferred. This will continue until the NCD level reaches 0%.

Usually, you can cancel your policy by phone, but please ask for confirmation and written notice to prevent any extra fees or issues in the future. Call us, ask about our cancellation requirements, and let us know you want to cancel your motor policy.

Some companies offer a prorated refund on paid up premiums and a few will charge a fee for cancellations. If you have a car loan, you may need to tell your bank or the owner of your loan that you are switching policies. Cancel automatic payments so your insurer stops automatically withdrawing your premium while your cancellation is processed. You can also cancel payments from your account just to be safe.

Have your new insurance ready if you intend to continue driving your car in order to avoid a lapse in coverage.

If you are buying a vehicle for the first time, you will not have NCD on your motor policy for the first year on the road. If you have at least one claims free year, then, upon renewal of your motor insurance policy, you will be rewarded with a 25% NCD off your renewal premium.

You can purchase our insurance policies online through our POI2U website or the POI2U mobile app.

To purchase insurance through our website, click here.

To purchase insurance through our app, click here.

We also have branches located in various states. For a full list of our branches please click here. We also provide tele-insurance, providing insurance services via our call centre at 1-800-88-2121.

Your insurance company will retain your premium for a short period and refund you the balance premium. The refund premium can be found in your policy. You are only eligible for refund if no claim has been made during the period of your policy. If you have already received a claim amount, you will not be entitled to any refund on your premium.

Your total premium depends on the plan you choose, your destination, and the duration of your cover.

No cancellations are allowed for the single trip policy.

You can cancel your annual policy by giving us written notice. Your cancellation becomes effective on the date your notice is received or on the date specified in your notice.

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

The yearly premium is RM127.20 per worker insured, inclusive of all other fees. The renewed premium is not guaranteed and subject to adjustment with approval by the relevant authorities considering the loss ratio and other factor that my affect the sustainability of the scheme.

Your total premium depends on the number of workers insured. The premium per worker is RM72 as approved by the Ministry of Human Resources.

e-Payment is a method of payment that allows insurers to make payments into your bank account electronically.