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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.

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, the first phase of liberalisation covers Comprehensive and Third Party Fire and Theft cover, which are basically purchased by owners of private cars and other four wheeled vehicles. PIAM is committed to promote safe driving habits and all road users should consciously practice good driving habits, not just to enjoy lower premiums but also for their own safety.

Recent FAQ

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 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...

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

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