Frequently Asked Questions

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

When was the implementation of the Liberalisation of Motor Tariffs?

First introduced on 1^st July 2016, insurers and takaful operators were given the flexibility to offer new motor products and add-on covers that were not defined under the existing tariff. From 1^st July 2017 onwards, premium rates for Motor Comprehensive; and Motor Third Party Fire and Theft products have been liberalised; premium pricing will be determined by individual insurers and takaful operators instead.

Premium rates for Motor Third Party products will continue to be subjected to tariff rates.

Recent FAQ

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...

What is Flood, Typhoon, Hurricane, Storm, Tempest, Volcanic Eruption, Earthquake cover?

This covers the repair costs of your vehicle for damages caused by floods, typhoons...

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...