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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.

What is Credit Shortfall?

Credit Shortfall, also known as Gap Cover, is a stand-alone insurance policy that covers the difference between your current loan and the market value or the insured sum of your vehicle if it is lost or stolen. Simply put, this helps you cover the gap between what you have paid and what you owe your bank if you still have an outstanding loan.

This is only available if you have a comprehensive motor insurance policy with us, and your vehicle is still under hire-purchase.

This also includes Deposit Cover, an extra benefit that helps cover your deposit for a new vehicle. This is limited up to 10% of the insured sum of your vehicle with a maximum of RM10,000 for private car and RM2,500 for motorcycle.

For Credit Shortfall Private Car, click here.

For Credit Shortfall Motorcycle, click here.

Recent FAQ

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

Some benefits include...

What territories are my car covered in?

Our policies cover you in Malaysia, Singapore and Brunei in accordance with Malaysian laws. Please note that if you intend...

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...