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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.

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. This is then followed by type, make, and model of the vehicle, considering the driver’s age, vehicle’s age and so on. Insurance premiums charged must also be sustainable for the insurer to pay their claims.

Recent FAQ

What is Credit Shortfall?

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

When was the implementation of the Liberalisation of Motor Tariffs?

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

What is the Buy Online & Get Rewarded Campaign?

As the year comes to a close and we look forward to 2022, P&O wants to present all our customers who buy or ...