What insurance products does P&O Insurance offer?

P&O Insurance offers a range of personal and business insurance...

What business insurance does P&O Insurance offer?

P&O Insurance provides coverage through different products...

What Foreign Worker insurance does P&O Insurance offer?

P&O Insurance provides coverage through 2 different products...

What Marine insurance does P&O Insurance offer?

P&O Insurance provides coverage through 3 different products...

Why should I choose Pacific & Orient Co. Insurance?

Delivering only the best to our customers, Pacific & Orient Insurance Co. Berhad (P&O Insurance) has been...

What is Private Car Comprehensive Insurance?

Our Comprehensive Car Insurance covers the fire, theft, loss, and damages to your car in an accident with another party...

What is Motorcycle Comprehensive Insurance?

Our Comprehensive Motorcycle Insurance covers the fire, theft, loss, and damages to your...

What is Motorcycle Third Party Insurance?

Our Third-Party Insurance helps cover the damage to a third parties’ vehicle or property in an accident. It also...

What is Commercial Vehicle Comprehensive Insurance?

Our Comprehensive Insurance pays for the fire, theft, loss or damage to your vehicle...

What is Commercial Vehicle Third Party Insurance?

Our Third Party Insurance pays for the damage to third parties’ vehicle or property, when there is an accident, and...

What is Credit Shortfall?

Credit Shortfall, also known as Gap Cover, is a stand-alone insurance policy that covers the difference...

What is Credit Shortfall Private Car Insurance?

Our Credit Shortfall Insurance covers the difference between your insured sum or the market value of your car and your...

What is Credit Shortfall Motorcycle Insurance?

Our Credit Shortfall Insurance covers the difference between your insured sum or the market value of your motorcycle and...

What is All Risks Insurance?

Our All Risks Insurance will repair, replace or pay the amount for...

What is Burglary Insurance?

Our Burglary Insurance pays for the loss or damage...

What is Employer’s Liability Insurance?

Our Employer’s Liability Insurance protects employers against the legal responsibility to compensate an employee for...

What is Contractors’ All Risk (CAR) Insurance?

Our Contractors’ All Risk Insurance covers any damages that might affect the insured property as well as...

What is Erection All Risk (EAR) Insurance?

Our Erection All Risks Insurance is commonly bought by contractors when they...

What is Public Liability Insurance?

Our Public Liability Insurance pays against the compensation and legal costs which you...

What is Boiler and Pressure Vessel Insurance?

Our Boiler and Pressure Vessel Insurance provides cover against the explosion of any insured...

What is Machinery Breakdown (Loss of Profit)?

Our Machinery Loss of Profit Insurance covers the actual loss of gross profits sustained as a result of business interruption caused...

What is Machinery Breakdown Insurance?

Our Machinery Breakdown insurance policy covers any unforeseen damage or loss of the insured...

What is Electronic Equipment Insurance?

Our Electronic Equipment Insurance provides coverage for your computers and other electronic equipment and it applies whether the items are at work or at rest or being dismantled for the purpose... Learn More

What is Marine Hull Insurance?

Our Marine Hull Insurance covers the loss or damage to vessels and ships due to both aquatic and...

What is Yacht & Pleasure Craft Insurance?

Our Yacht & Pleasure Craft Insurance covers loss, damage costs or liabilities to the vessel and any attached...

What is Workmen’s Compensation Insurance?

Our Workmen’s Compensation Insurance protects employers against any compensations to be paid under the Workmen’s Compensation Law(s) of Malaysia for any injuries to their employees through accid... Learn More

What is Foreign Workers Hospitalisation and Surgical Scheme Insurance?

Our Foreign Workers Hospitalisation and Surgical Insurance helps reduce your financial burden when your foreign...

What is Foreign Workers Insurance Guarantee Insurance?

The Foreign Worker Insurance Guarantee is a policy required by the Immigration Department (under Regulation 21) from you...

What is Fire Company Insurance?

Our Fire Insurance covers the loss or damage to your building or property when damaged by fire, lightning, or domestic explosions...

What is Personal Accident (PA 10 PLUS) Insurance?

Our Personal Accident (PA 10 Plus) covers you in the event of disablement and death by violent, accidental, or external means...

What is Personal Accident (Continental Scheme) Insurance?

Our Personal Accidental Continental Scheme Insurance covers injury, disablement, and death by violent, accidental, or external means...

What is Personal Accident PLUS Insurance?

Our personal Accident Plus Insurance covers injury, disablement, and death by violent, accidental, or external means...

What is Personal Accident PLUS (A) / Personal Accident PLUS (C)?

Our Personal Accident PLUS (A)/(C) Insurance covers permanent disablement and death from violent, accidental, or external means when...

What is Passenger’s Driver Plan (PDP)?

Our Passenger’s Driver Plan (PDP) Insurance covers injury, disablement, and death by violent, accidental, or external means while driving or riding or boarding or alighting a motorcycle, private... Learn More

What is Equipment Insurance?

Our Equipment Insurance pays for the loss or damage to your movable equipment for...

What is Machinery and Equipment Insurance?

Our Machinery and Equipment Insurance covers the loss or damage to your immobile equipment (e.g. computers and printers)...

What is Machinery All Risks Insurance?

Machinery All Risks Insurance covers the loss or damage to your machinery based on their usage...

What is Goods in Transit Insurance?

Our Goods in Transit Insurance covers any loss or damage of to your property when in, on or being loaded and unloaded from a vehicle or...

What is Money in Transit Insurance?

Our Money in Transit Insurance covers loss of your money while in transit and in the premises...

What is Professional Indemnity Insurance?

Our Professional Indemnity Insurance covers any breach of professional responsibility such as negligence error or omission when providing a professional service...

What is PrOtravel Insurance?

Our PrOtravel Insurance covers you when travelling overseas for any medical costs, accidents, travel delays and more...

What is the difference between Comprehensive and Third Party Fire & Theft?

Our Comprehensive Insurance pays for the fire, theft, loss or damage to your car when there is an accident with a third parties’ vehicle or property. This includes protecting you when you are re... Learn More

Where can I see the coverage and benefits for the products?

For more information about Private Car coverage and benefits, click here...

What value should my vehicle be insured at?

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

What is the Sum Insured?

The Sum Insured is the maximum amount a vehicle can be insured for according to its...

What happens if I under-insure/over-insure my vehicle?

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

What information is sent to the Department of Road Transport (JPJ) during verification of my policy renewal?

The engine and chassis number of the vehicle being insured...

How is my Motor Insurance premium calculated?

Insurance premiums are based on risk characteristics. The higher the potential risk, the higher the premium and vice-versa...

Are there any extra benefits that can be added to my motor policy?

Yes, we provide the following extra coverage...

What is Legal Liability to Passengers (L.L.P) cover?

This covers you against any legal responsibility you have to your passengers in an accident from...

What is Flood, Typhoon, Hurricane, Storm, Tempest, Volcanic Eruption, Earthquake cover?

This covers the repair costs of your vehicle for damages caused by floods, typhoons...

What is Strike, Riot and Civil Commotion cover?

This covers the repair costs to your vehicle for damages caused by strikes...

What is Windscreen, Windows, Sunroof, Tinted Film cover?

This covers the repair or replacement costs of your windscreen, windows, sunroof and tinted film from...

What is Radio & Cassette cover?

This covers the replacement of your radio or cassette in your...

What is Trailer Attached to Private Car cover?

This covers the repair costs of your trailer from damages...

What is Legal Liability of Passengers for Negligent Acts (L.L.o.P) cover?

This protects you against a third-party claim for damages from the negligence...

What should I do if my vehicle is stolen?

You should lodge a police report within 24 hours, then contact us at...

My son/daughter has just revived their license. Will I need to add them as a named driver?

Yes, you do. However, you may be subject to an additional excess (Compulsory Excess) of...

Why do I have to pay an Excess?

Mostly to eliminate minor and/or smaller claims. Too many small claims without...

What if I cannot afford to pay the excess?

If you are unable to pay the excess, your insurer may refuse your claim or...

Do I have to pay an excess if my car has been stolen?

Yes, you still do. But you will only need to pay your basic excess...

Do I need to inform you, P&O Insurance, if my child is a learner driver and drives a car insured with you?

No, you do not. Learner drivers are automatically covered provided the instructing...

Can someone with an international driving license drive my car?

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

Can a family member enquire or make changes to my car insurance policy?

No, they cannot. Unless they are listed on your policy, they cannot request for changes on...

Why does my car premium amount go up each year?

Your premium considers the various factors included in the costs of fixing your car when you make a claim...

How do I get the insurance cover note and road tax for my vehicle if it has been blacklisted?

If your vehicle has been blacklisted, please contact the Department of...

Does P&O Insurance offer insurance for workers if they get into an accident?

We have a few policies of insurance for workers such as...

What insurance protects myself and my business?

You can buy our Public Liability Insurance policy (PLI) that serves...

How do I choose the right house insurance for me?

You should read through all the different policies and their coverages to find the best one for you...

When is your hotline open?

Our hotline is available 24/7...

How do I download the POI2U mobile application?

For iPhone users, please click here to download it from the App store...

What do I do if I have forgotten my username and/or password?

Through our mobile app...

What if I still cannot log into my account?

Please contact our customer service at 1-800-88-2121. We are available...

Can I buy an insurance policy through your website?

Yes, you can.

Go to our website...

Can I request for breakdown assistance on the website

We’re sorry, but no. Call us at 1-8000-88-2121 for assistance instead...

What is a tariff?

Tariffs are fixed price lists created under insurance acts to control the price...

What does the Liberalisation of Motor Insurance mean?

This means that the price of motor insurance products that will no longer be based on the Motor Tariff. Instead...

How will insurance premiums be priced from 1 July 2017 onwards?

Effective 1 July 2017, under the liberalised environment, more risk factors...

If the old system worked well, why change it?

As Malaysia develops further, the insurance market is opening to allow a fairer approach towards charging premiums...

When was the implementation of the Liberalisation of Motor Tariffs?

First introduced on 1^st July 2016, insurers and takaful operators were given the flexibility to offer new motor products...

What are the benefits of the Liberalisation of the Motor Tariff?

Some benefits include...

How will the Liberalisation benefit me?

As a consumer, there is an expectation that there will be...

Will the Motor Third Party insurance products still be available?

Available at tariff prices, Motor Third Party insurance products are still available for...

What will happen to my No Claim Discount (NCD) after Liberalisation?

The NCD structure will stay the same. You are still entitled to your NCD and can transfer from one insurer or...

How do I know when new products are available and how do I choose the best one for me?

You should always check with your insurer, takaful operator or agent for new products and add-on cover...

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...

If I am a safe/good driver without any traffic summons and reported accidents, will my premium be lowered?

Yes. Driving behaviour and driving experience is considered in risk...

What % increase should I expect on my motor premium?

This depends on your insurer. You should shop around for...

Is getting the new motor premiums will be time consuming?

New online distribution channels which are cost efficient would...

Market knowledge about insurance is very low in Malaysia. How will this Liberalisation help Malaysians make informed decisions?

Although consumers will be more empowered, they can still...

What is a risk profile? Who determines a risk profile?

A risk profile is an analysis of whether a pool of consumers present a high or low risk, based on factors such as...

Why do different insurance companies have different premium rates? How is it calculated?

With liberalisation, there are no more fixed rates based on the model, age or capacity of your vehicle. Instead...

Motorcyclists have the highest casualty rates in Malaysia, how will Motor Premiums Liberalisation affect them?

Premiums will be impacted by the claims history and driving habits of the insured. However...

What is the Phased Liberalisation of the Motor Tariff?

The Phased Liberation of the Motor Tariff removes the existing tariffs in stages. With this...

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...

Who should I contact if I have questions about the Motor Tariff?

If you have an enquires or want further clarification, you can contact the following hotlines...

What is Marine Cargo Insurance?

Our Marine Cargo Insurance covers the loss or damage to goods shipped by land, sea, or...

What is Private Car Third Party Fire & Theft Insurance?

Our Third Party Fire & Theft Insurance protects you when you are responsible for the injury or...

What is the difference between PrOmilej and a normal insurance plan?

PrOmilej offers all the benefits of our comprehensive plans for less. Based on how far you plan to drive...

How can I purchase PrOmilej?

You can purchase the PrOmilej by using our mobile application...

Can I switch to PrOmilej if I already have a Private Car Insurance Policy?

Yes, however you should take note of whether it is cost efficient for your...

How do I submit my odometer reading if I make my purchase via the call centre?

To submit a reading via our mobile app...

Can I buy a PrOmilej policy without submitting a picture of my odometer?

No. You must submit a photo of your odometer reading via our mobile application or...

What happens if I exceed the distance in the plan I have chosen?

If you exceed the distance you’ve been given, don’t worry. An extra 500km...

How do I buy a top-up? How much does it cost?

You can buy a top up the same way you bought the policy- online, through our app, or simply calling us...

What is Grace Mileage?

Additional 500km is provided to you if you exceed your allocated mileage before the end of your policy period...

What happens if I exceed my allocated mileage one month before the end of my policy?

If you have exceeded your allocated mileage and your Grace Mileage, and...

Can I change my chosen mileage cover range?

Once cover has started, you can top up to the next level of mileage...

I have unused mileage; can I downgrade my plan or receive a refund?

No, you cannot downgrade your plan. You will not receive a refund or be able to carry your unused mileage to a new plan either...

What do I have to do after buying this policy?

There are a few things you should keep in mind after buying our PrOmilej policy...

What PrOmilej plans are there?

There are currently 3 plans available...

What is the premium to be saved compared to a traditional P&O Private Car Comprehensive Policy?

You will save between 10% to 40% on your basic premium (inclusive of the premium for the optional...

How old does my car have to be to buy PrOmilej?

Vehicles of up to 20 years can buy PrOmilej. This includes newly...

Do I need to install a device in my car in order to track my mileage?

There will not be any device installed on your vehicle to track on your mileage...

Can I top-up the plan after exceeding my mileage plan limits?

Yes, you can. However, you should try to ensure you top up prior to exceeding the limits...

Can I resubmit my odometer reading if I have purchased the policy before it officially starts?

You can contact our staff at 1-800-88-2121 to resubmit your odometer photo...

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...

Is PrOmilej for e-hailing?

No, PrOmilej is for private cars only...

Do I still get my commission rebate of 10% if I use the POI2U website or app to buy the policy?

Yes, you do...

Do I still get my NCD (No Claims Discount) with PrOmilej?

Yes, you do...

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...

What is PrOrumah? What is the difference between this and a normal P&O Houseowner or Householder policy?

Essentially, PrOrumah is a combination of both our Houseowner and Householder policies at 30% cheaper. It protects your house and/or its...

If I have a property loan, can I switch from my current policy to PrOrumah?

Yes, you can...

Can I cancel my current property insurance and switch to PrOrumah?

Yes, but we recommend renewing with PrOrumah once your existing policy has expired...

How can I purchase PrOrumah?

You can purchase PrOrumah by using our mobile application (POI2U), visiting our...

What plans does PrOrumah have?

There are currently 3 plans available...

How much do I have to pay?

What you pay for your PrOrumah insurance policy depends on the type of building and...

Are there any additional fees and charges that I have to pay?

Yes, you will be charged a stamp duty of RM10 and the standard Sales & Service Tax (SST) of 6% on your premium...

Is there anything that will not be covered under this policy?

Yes, there are a few. The major exclusions are...

Can I cancel my policy after purchase?

Yes, you can. You should give us written notice that you want to. Once cancelled, you can get a refund of your premium paid which is based on us...

Are there any other documents that I need to submit when I purchase PrOrumah?

No, there are none. You only need to pay for the final quotation amount...

How do I know what is the sum insured for my property?

We have provided a Sum Insured calculator for you to determine this in your quotation on the POI2U app or website screen...

How much can each of my contents be insured for?

There are 3 plans available for the PrOrumah Contents Plan. You can choose one from any of these plans to determine the overall insured sum of your items...

How long is the validity of PrOrumah insurance?

The PrOrumah policy will be valid for one (1) year from your date of purchase...

What are the additional coverages offered with PrOrumah?

There are four (4) additional coverages offered with PrOrumah, which you can choose from to add to your premium at an additional cost...