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.

We do not represent any insurers / takaful operators. instaPol provides an impartial comparison of a range of insurance/takaful products from our pre-selected insurers / takaful operators.

In Malaysia, it is not just risky to drive without motor insurance/takaful – it is against the law. Even if you don’t want full comprehensive motor insurance/takaful, at the very least you need to have third-party motor insurance/takaful to cover damages to someone else’s car or property, or in case they are seriously hurt.

instaPol makes comparing fast and easy. The simple grid system reveals why some plans cost more than others, so you can make an informed choice. Remember to always read the fine print to make sure the plan is the right fit for you.

Ideally, one or two months before your motor insurance/takaful expires. This will give you enough time to renew your road tax and get a car inspection if you need one. Take the weight of remembering off your mind. Just provide a few details here and we’ll remind you when it’s time to renew.

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%

We accept credit card and debit card payment.

Our online payment service is provided and operated by eGHL which registered and approved by Bank Negara Malaysia (Central Bank of Malaysia).

You will receive an email notification once your payment has been made. You will receive a second email from your chosen insurance/takaful provider once they have received the funds. This second email will confirm your purchase has been successful and will contain your policy/certificate documentation. 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).

All successful transactions will trigger an email notification. 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]

Yes, we are a Personal Data Protection Act (PDPA) registered company and we take your privacy & confidentiality seriously. Feel free to check out our privacy policy for more details.

You can purchase your road tax along with your car insurance through instaPol. Once you have compared policies, you will be given the option to ‘add on’ road tax.

Yes

The charges involved are delivery charges, eService fees and the cost of road tax.

Klang Valley: within 5 working days of your confirmed purchase date. Peninsular / East Malaysia: within 6 working days of your confirmed purchase date.

If you do not receive your road tax within the timeframes stated above, please contact us via email to [email protected]

We will deliver the road tax to your doorstep with delivery charges levied as follows : West Malaysia : RM4.00 East Malaysia : RM12.00

You are required to sign on the courier slip upon delivery to verify and record the details of the person receiving the road tax.