Frequently Asked Questions

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

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 the incident is not your fault. This does not apply for loss or damage caused by fire, explosion, lightning, burglary, housebreaking, theft, third party property damage or bodily injury claims.

A Compulsory Excess is an additional RM400 you must bear if you or the person driving the vehicle is either:

Under 21 years old.
Holds a Provisional (P) or Learner (L) driver’s licence.
Not in your policy as a named driver.

So, for example, if the claim payable is RM10,000 but your policy carries a basic excess of RM500, you would need to bear the first RM500 yourself while we pay the balance of RM9,500.

However, if the driver is below 21 years old, you would also need to bear the Compulsory Excess of RM400. As such, you would need to bear RM900 (500+400) and we will pay RM9,100.

Recent FAQ

Are there any restrictions on the type of account that can be assigned for e-Payment?

You can assign any of your active saving or current accounts. They must be under your name and...

What if I cannot afford to pay the excess?

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

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...