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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.

Document Checklist

I am not at fault and the third party did not lodge a police report, how can I file a claim?

You will have to file an Own Damage claim initially against your own policy as you have not fulfilled the criteria of an ODN claim. The determination of fault is made at our discretion and based on documentary evidence. As such, if you can substantiate your claim with documentary evidence later, we will consider your claim as an ODN claim and allow the NCD.

Otherwise, your NCD will remain forfeited as the claim falls under an Own Damage claim. 

Recent FAQ

Can I get multiple rewards from the same person?

Yes, they use your unique referral link to purchase Pacific & Orient insurance for multiple vehicles, you can...

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If your vehicle is under-insured, you will be considered self-insured for the difference. For example...

What value should my vehicle be insured at?

You should insure your vehicle based on its current market value when you apply for...