Frequently Asked Questions

We help you stay ahead and informed with these helpful answers on protecting yourself, your home, business and more.

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, if your vehicle has been lost or damaged, you will only be partially compensated up to the Sum Insured you have chosen.

If you have over-insured your vehicle, you would have paid a higher but unnecessary premium. If your vehicle is over-insured when it was stolen and not found, we will settle your claim to cover the loss incurred up to the market value of your vehicle.

Recent FAQ

What is the eligibility criteria to receive a Buy Online & Get Rewarded?

The eligibility criteria to join Buy Online & Get Rewarded is ...

What type of policy do I need to join PrOrewards?

You only need to own a P&O motor insurance policy to join this program. This means any Private Car or...

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...