FAQ
Effective 1 July 2017, pricing for Motor products was liberalised where premium/contribution rates are to be determined by individual insurers and takaful operators. The rates take into account broader risk factors that drive fairer pricing; greater innovation on new products tailored to consumer needs with improved services; and sustainable motor protection for consumers over the long-term at competitive prices.
instaPol is a quick, hassle free way to buy insurance.
Just answer a few simple questions and we will present the most suitable options in an easy-to-compare grid along with unbiased reviews of all insurers and takaful operators’ products on offer.
instaPol is your choice that allows you to buy online 24/7 including after sales support.
Remember to always read the fine print to make sure the plan is the right fit for you.
If you have insured your vehicle for a continuous period of 12 months and you or anyone else did not make any claim under the policy/certificate during that period of insurance/takaful, a No Claim Discount (NCD) will be applied at each renewal. This applicable NCD will increase with each renewal if you continue to have claim free years as follows :
| Claim Free Year of Insurance/Takaful | NCD Entitlement |
|---|---|
| After 1 continuous claim free year | 25% |
| After 2 continuous claim free year | 30% |
| After 3 continuous claim free year | 38.33% |
| After 4 continuous claim free year | 45% |
| After 5 continuous claim free years and beyond | 55% |
You can also check your purchase status by logging into your account.
If you do not receive an email confirmation within 1 hour of purchase, please let us know by emailing [email protected] (don’t forget to check your junk mail first).
You can also check your purchase status by logging into your account.
If you do not receive an email confirmation within 1 hour of purchase, and your purchase status has not changed, this suggests the payment did not go through. If you would like to check with us, you can send an email to [email protected]
Peninsular / East Malaysia: within 6 working days of your confirmed purchase date.
We will deliver the road tax to your doorstep with delivery charges levied as follows :
West Malaysia : RM4.00
East Malaysia : RM12.00