Pacific and Orient Comprehensive Motor Insurance

Have the assurance of a variety of coverage types such as loss or damage to own vehicle arising from lightning, accidents, fire, and add-on windscreen protection.

Pacific and Orient Comprehensive Motor InsuranceWide Coverage
Free Drivers
0
Free Towing
up to RM200
Claim Payout
Market Value
Excess
from just RM400
Buy Online
Yes
e-Hailing
Available

Features

Cover Type
Comprehensive
Alternative Travel Assistance
Get help with transportation, healthcare referral, and hotel bookings when on the road
0% Repair Cost
for vehicles aged 5 years and below
e-Hailing
Available.

Coverage

What can I claim from this insurance policy?

CoveragePrivate Cars
Bodily Injury
Did you cause an accident where somebody got hurt?
Covered
Loss or Damage to Your Own Vehicle
Claim if your car's been stolen or wrecked due to road accident or fire
Covered
Loss or Damage of Property
Negligent on the road? Give compensation to other pedestrians or motorists
Up to RM3m
Legal Costs
Lawyer fees when you're the defendant in court
Up to RM2k
Accidental Death
Do not add to fatalities on the road. Stay focused behind the wheel
Covered
Add on CoveragePrivate Cars
Windscreen
Windshield cracked, scratched, or simply broken? Claim without losing NCD
Covered
Strike, Riot, and Civil Commotion
There's a riot going on! You're covered for damage
Covered
Legal Liability to Passengers
Protection against legal action brought against you by your passengers
Covered
Compassionate Flood Expenses
Can't drive your car away when it's stuck in a flood
Covered

Claims

Pacific and Orient Hotline
1-800-88-2121
Claim Assistance Hotline
1-800-88-2121
Roadside Assistance & Emergency Hotline
1-300-22-1188

More Information

What is the Pacific & Orient Comprehensive Motor Insurance all about?

This policy provides insurance against loss or damage to your vehicle, liability to third parties for bodily injury or death and damage to third parties’ property.

What are the benefits provided?

The benefits provided under this policy are as follows:

  • The total liability for third party bodily injury and death is unlimited, however the total liability is limited to RM3 million for third party property loss or damage in respect to one claim or series of claims arising out of one even
  • This policy will cover for the person’s legal representatives for liability covered following the death of the person
  • This policy will cover for the legal cost up to maximum of RM2,000 for defense of any charge including the charge of causing death by driving the vehicle

Duration of cover is for one year. You need to renew the insurance cover annually.

Is there a service for car breakdown or towing?

Yes there is. As a private car owner who subscribed to Pacific & Orient Comprehensive Motor Insurance, you are automatically enrolled into P&O Auto Assistance Service for FREE, which provides a slew of benefits your car cannot afford to miss such as:

  • Free towing charges up to RM350 in case of accident and breakdown;
  • Free emergency roadside assistance;
  • Free emergency petrol delivery; and
  • Emergency Evacuation Assistance, among others.

How much premium do I have to pay? 

The total premium that you have to pay consist of the standard coverage premium amount and additional coverage requested, and may vary depending on the no-claim-discount (NCD) entitlement and the underwriting requirements of the insurance company. 

This premium will also be calculated based on several risk assessment factors including some driver details;

  • Type of vehicle
  • Engine capacity
  • Sum insured
  • Loading
  • Age of Driver
  • Gender of Driver
  • Occupation or Education of Driver
  • Place of Residence
  • Driver claim history

Can I cancel my policy?

Yes, you may at any time by giving a written notice to Pacific & Orient Berhad. You have 7 days from the date of cancellation to surrender your certificate of insurance to Pacific & Orient Berhad. Upon cancellation, you are entitled to a refund of the premium based on short-period rates, where any minimum premium paid exceeding 8 months under the policy is non-refundable.