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1. How do I purchase/subscribe Comprehensive Car Insurance/Takaful on Shopee? 

Step 1, Option A - Launch Shopee app & tap on "See More" > "Prepaid, Bills & Tickets" > "Car Insurance"

Step 1, Option B - Launch the Shopee app and keyword search for “Insurance” & tap on “Shopee Insurance and Services”

Step 2 - Upon the Insurance homepage, tap on the “Car Insurance” icon or “Comprehensive Car Insurance” product card under Recommended For You

Step 3 - Fill in “Vehicle Information” and “Vehicle Owner Information”, and tap on “Get a Quote”

Step 4 - Quotations will be generated. Select “Buy Now” for your desired quotation.

Step 5 - If you wish to amend the insurance coverage, select “View Coverage Info” followed by “Edit Sum Insured”. Choose optional “Add Ons” with additional premium/contribution.

Step 6 - Fill in personal information and address, and tap on “Confirm and Check Out”

Step 7 - 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”.

The payment methods available are:

a. ShopeePay

b. SpayLater

c. Credit/Debit Cards

d. Online Banking

Step 8 - 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/participant's email address within 24 hours.

2. What will my personal data be used for?
Your personal data will be transferred to our insurance/takaful operator in order for them to process your e-policy/e-certificate based on the data provided.

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

Yes, currently you can select the following add-ons for the following insurer/takaful operators. Please note that this is subjected to respective insurer/takaful operator’s offerings which may be changed from time to time.

Allianz Comprehensive Car Insurance - Road Tax Renewal, Windscreen Damage, Natural Disasters, Unlimited Drivers, Enhanced Road Warrior, Third Party Damages by Passengers, Death or Injury to Passengers, Car Break-In

Zurich Z-Driver - Road Tax Renewal, Unlimited Drivers, Windscreen Damage, Natural Disasters, Third Party Damages by Passengers, Basic Personal Accident

Zurich Z-Driver Takaful - Road Tax Renewal, Unlimited Drivers, Windscreen Damage, Natural Disasters, Third Party Damages by Passengers, Death or Injury to Passengers, Basic Personal Accident

4. How do I include more add ons in my car insurance/takaful post purchase on the Shopee platform?

After purchasing the insurance/takaful on the Shopee platform, should you wish to include any particular add ons, you may contact the insurer/takaful operator via the customer service hotline.

5. Can I purchase/participate in the car insurance/takaful and road tax for more than 1 vehicle?

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

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

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

7. 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 vehicle detail.

(b) Your vehicle model is not covered by the insurance/takaful operator.

(c) Your policy/certificate renewal date is not within the eligibility period

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

(e) 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 car insurance/takaful renewal.

8. What is a 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.

9. What is the percentage of NCD?

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

After 1 continuous claim-free year - 25%

After 2 continuous claim-free years - 30%

After 3 continuous claim-free years - 38.33%

After 4 continuous claim-free years - 45%

After 5 continuous claim-free years and beyond - 55%

10. Why is the NCD quoted different from my record?

If a claim is made on your policy/certificate, 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 the 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.

11. How much premium/contribution do I have to pay/contribute?

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

(a) the cubic capacity of the vehicle

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

(c) no-claim-discount (NCD) entitlement

(d) optional benefits required

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

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

12. What are the applicable government taxes that I have to pay/contribute?

13. Can I cancel my 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/return 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.

14. I have checked out car insurance/takaful with SPayLater and would like to request for cancellation and refund/return, do I still need to pay the SPayLater processing fees?

Once your car insurance/takaful policy/certificate is successfully issued, any cancellation and refund/return 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/return request is approved by the insurer/takaful operator, the insurer/takaful operator will perform the refund/return 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.