Frequently Asked Questions

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

Why do different insurance companies have different premium rates? How is it calculated?

With liberalisation, there are no more fixed rates based on the model, age or capacity of your vehicle. Instead, premiums are now charged based on the risk profile of the insured. As a result, premiums differ between companies.

Recent FAQ

Will I have an NCD if this is the first time I am purchasing a vehicle?

If you are buying a vehicle for the first time, you will not have NCD on your motor policy for the first year on the road...

I have unused mileage; can I downgrade my plan or receive a refund?

No, you cannot downgrade your plan. You will not receive a refund or be able to carry your unused mileage to a new plan either...

When is your hotline open?

Our hotline (1800-88-2121) for Total Assist is available 24/7...