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1) How do I purchase Motorcycle Insurance on Shopee? 

Step 1a: Shopee app: Go to Me page
Step 1b: ShopeePay app: Go to Home page

Step 2: Select "My Insurance." 

Step 3 - Upon the Insurance homepage, tap on the “Motorcycle Insurance” icon.
Step 4 - Fill in Vehicle and Vehicle Owner Information, and tap on “Get a Quote”. 
Step 5 - Quotations will be generated. Select “Renew Now” for your desired quotation. 

Step 6 - Fill in Vehicle Info including Motorcycle Variant.
Step 7 - Choose optional “Add Ons” with additional premium/contribution. 
Step 8 - Fill in personal information and address, and tap on “Confirm and Check Out”. 
Step 9 - Tap on the arrow beside the premium/contribution amount and confirm the premium/contribution amount breakdown. Select your preferred payment method and select “Pay Now”. 
Step 10 - Upon successful payment, select “My Policies” to view your policy/certificate status and details. The e-policy/e-certificate will be emailed to the purchaser email address. 

2) What will my personal data be used for?

Your personal data will be transferred to the insurer/takaful operator and road tax renewal partner in order for them to process your e-policy/e-certificate and road tax renewal based on the data provided.

3) Am I able to include add-ons to my motorcycle insurance policy/takaful certificate?

You are able to include add ons when renewing your motorcycle insurance/takaful on the Shopee platform.

4) Can I include more add ons in my motorcycle insurance/takaful after purchase/participation? 

Should you wish to include more add ons after purchase/participation, you may contact the insurer/takaful operator via the customer service hotline following the purchase/participation of your insurance/takaful on the Shopee platform.

5) Can I purchase/participate motorcycle insurance/takaful and road tax for more than 1 vehicle?

Yes, as long as the motorcycle number, NRIC and postcode given is per the motorcycle owner, you will be able to generate the quotation(s) on the Shopee platform.

6) When I purchase/participate multiple motorcycle insurance policies/takaful certificates, where will the e-policy/e-certificate go to?

The e-policy/e-certificate will always go to the purchaser's email address unless a different email is provided at the Confirm Personal Info page.

7) What shall I do if my motorcycle variant is not shown in the list provided?

If your motorcycle variant is not listed, you should contact the insurer/takaful operator directly to renew with the correct motorcycle variant.

8) Why can't I generate a quotation online?

It could be one of the following reasons:

(a) Your NRIC/ID provided does not match the registered owner of the vehicle;

(b) Your vehicle model is not covered by the insurer/takaful operator;

(c) Your policy/certificate renewal date is not within the eligibility period of 60 days before expiry; 

(d) Your current insurance policy/takaful certificate has expired, or has already been renewed;

(e) Your vehicle’s age limit exceeds the insurer/takaful operator’s acceptance limit; or

(f) There are active claim(s) which are affecting your online application.

Please refer here to reach out to the insurer/takaful operator for assistance with your motorcycle insurance/takaful renewal.

9) What is No Claim Discount (NCD)?

No Claim Discount (NCD) is a form of premium/contribution discount for not having made a claim during the preceding period of your insurance/takaful (provided the period of insurance/takaful exceeds one year).

The applicable NCD will increase with each renewal if you continue to have claim-free years.

10) What is the percentage of NCD?

For private motorcycle, the No Claim Discount scale is as follows:

After 1 continuous claim-free year - 15%

After 2 continuous claim-free years - 20%

After 3 continuous claim-free years and beyond - 25%

11) Why is the NCD quoted different from my record?

If a claim is made on your policy, the NCD entitlement that you have accumulated would drop to zero at the next renewal and your NCD will start all over again.

Your No Claim Discount (NCD) will not be affected even if a claim is made if:

(a) Your insurer/takaful operator is of the opinion that you are not at fault for causing the loss;

(b) The offending vehicle is identifiable and is not a vehicle used for carriage of passengers for hire or reward;

(c) The offending vehicle is insured/covered by a Malaysian licensed insurer/takaful operator; and

(d) There is no death or personal injury claim involved.

If there are any discrepancies in the NCD information, please refer here to reach out to the insurer/takaful operator for assistance.

12) How much premium/contribution do I have to pay?

The total premium/contribution that you have to pay may vary depending on:

(a) the cubic capacity of the motorcycle;

(b) sum insured/covered basis i.e. Agree Value vs Market Value;

(c) no claim discount (NCD) entitlement;

(d) optional benefits required; and

(e) the underwriting requirements of the insurer/takaful operator.

You may refer to the quotation provided to you for the total premium/contribution you have to pay.

13) What are the applicable government taxes that I have to pay?

14) What payment options are available?

The payment methods available to you include:

(a) ShopeePay;

(b) SPayLater;

(c) Credit/Debit Card; or

(d) Online Banking.

15) Can I cancel my motorcycle policy/certificate?

You may cancel your policy/certificate at any time by contacting the insurer/takaful operator. Upon cancellation, you are entitled to a pro-rata refund of the premium/contribution if your vehicle has been insured/covered continuously for more than twelve (12) months or short period rates if your vehicle has not been continuously insured/covered for more than twelve (12) months by the same insurer/takaful operator. Any minimum premium/contribution paid under the policy/certificate is not refundable/returnable. Note that a refund/return is allowed provided that no claim has arisen during the then current period of insurance/takaful.

16) I have checked out motorcycle insurance/takaful with SPayLater and would like to request for cancellation and refund, do I still need to pay the SPayLater processing fees?

Once your motorcycle insurance policy/takaful certificate is successfully issued, any cancellation and refund request is subject to the insurer/takaful operator’s review and approval on a case-by-case basis.
 
In the event that your cancellation and refund request is approved by the insurer/takaful operator, the insurer/takaful operator will perform the refund to you and you may use the funds to repay the SPayLater bills. However, do note that you will still be charged for the full SPayLater processing fees.

For more information on SPayLater, please refer to this link.