Pacific and Orient

Underwritten by Pacific & Orient Insurance Co. Berhad

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.

    • 24/7 Free Towing Up To RM200
    • Up To 0 Free Drivers
    • Up To 55% No-Claim Discount
    • Excess from just RM400
    • Refund On Early Cancellation
    • 24/7 Roadside Assistance

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How To Claim

Who do I call to make a claim or state an emergency?

Roadside Assistance Hotline
Claim Assistance Hotline
Pacific and Orient Hotline


What makes this insurance policy stand out?

Cover Type
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


What can I claim from this insurance policy?

CoveragePrivate CarsCommercial CarsMotorcycles
Bodily Injury 3rd party only
Did you cause an accident where somebody got hurt?
Loss or Damage to Your Own Vehicle 
Claim if your car's been stolen or wrecked due to road accident or fire
Loss or Damage of Property 3rd party only
Negligent on the road? Give compensation to other pedestrians or motorists
up to RM3000000up to RM3000000up to RM3000000
Legal Costs 
Lawyer fees when you're the defendant in court
up to RM2000up to RM2000up to RM2000
Accidental Death 3rd party only
Do not add to fatalities on the road. Stay focused behind the wheel
Add-on CoveragePrivate CarsCommercial CarsMotorcycles
Windshield cracked, scratched, or simply broken? Claim without losing NCD
CoveredNot coveredNot covered
Strike, Riot, and Civil Commotion 
There's a riot going on! You're covered for damage
CoveredNot coveredNot covered
Legal Liability to Passengers 
Protection against legal action brought against you by your passengers
CoveredNot coveredNot covered
Compassionate Flood Expenses 
Can't drive your car away when it's stuck in a flood
CoveredNot coveredNot covered

Frequently Asked Questions about Pacific and Orient Comprehensive Motor Insurance

Things you might want to know

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.

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