Frequently Asked Questions

Yes, you can renew your car or motorcycle insurance/takaful, as well as your road tax, online [here] . Simply enter your vehicle's plate number and your IC number to receive a quotation. You may also modify your coverage details or select your preferred insurer or Takaful operator before proceeding with the payment.

All car and motorcycle owners are eligible to use this service.

Yes, it is safe and secure. AEON Insurance Brokers' sales portal and services are owned and operated by AEON Insurance Brokers (M) Sdn. Bhd. 198201005186 (84938-X), an approved Insurance & Takaful Broker by Bank Negara Malaysia (BNM).

AEON Insurance Brokers represents the following insurer(s) and Takaful operator(s):

• Allianz General Insurance Company (Malaysia) Berhad
• MSIG Insurance (Malaysia) Bhd
• Zurich General Insurance Malaysia Berhad
• Zurich General Takaful Malaysia Berhad
• The Pacific Insurance Berhad
• Tokio Marine Insurans (Malaysia) Berhad

Your e-policy/e-certificate will be emailed to your registered email address within 24 hours of successful payment.

An e-Services receipt will be issued for every successful transaction. If you have any questions or concerns regarding the service, please do not hesitate to contact us.

No, you are not required to provide your vehicle registration card to renew your car or motorcycle insurance/takaful online, unless specifically requested by the insurer/takaful operator for verification purposes. For example, if the vehicle details are incorrect or cannot be detected in the JPJ system.

Yes, you can. We encourage you to renew your road tax together with your insurance/takaful for added convenience. We offer a one-stop service, and your digital road tax will be activated upon renewal.

For policies/certificates purchased online, the document will be sent to your registered email address. If you do not receive your policy/certificate within one business day, kindly contact our customer support at +603 - 2772 9688 or via email at customerservice@aeoninsurance.com.my.

You may contact our customer service team by calling +603 - 2772 9688 between 8:00am - 5:00pm (Monday - Friday, working days only). We will assist you and direct your request to the appropriate insurer based on your needs.

Please also contact your takaful operator/insurance provider:

• Allianz General Insurance Company (Malaysia) Berhad

  1-800-22-5542 (24-hour Assist Helplines for Motor, Home, Medical & Travel)

• MSIG Insurance (Malaysia) Bhd

  1-800-88-6744 (Monday - Friday: 8.30am to 5.30pm)

• Zurich General Insurance Malaysia Berhad

  1-300-88-1323 (Mondays - Fridays: 9:00am to 6:00pm Saturdays: 9:00am to 1:00pm (excluding Sundays and Public Holidays))

• Zurich General Takaful Malaysia Berhad

  1-300-888-622 (Mondays - Fridays: 8:30am to 5:15 pm)

• The Pacific Insurance Berhad

  03-2633 8999 (Monday - Thursday: 8.45am to 5.30pm Friday: 8.45am to 5.00pm Saturday/Sunday/Public Holiday: Closed)

• Tokio Marine Insurans (Malaysia) Berhad

  1800-88-0812 (Monday - Friday: 8:30am to 5:30pm)

You should NOT select road tax renewal online if:

• Your vehicle is blacklisted in the JPJ system
• The expiry date of your current road tax differs from your existing insurance/takaful
• Your vehicle is being used for e-hailing
• Your road tax has expired/unrenewed for more than 1 year
• You are not a Malaysian
• The vehicle owner has passed away

If your vehicle has been blacklisted for any reason, contact the Department of Road Transport (JPJ) to settle any outstanding fines or summons.

AEON Insurance Brokers allows you to compare, customise, and buy insurance/coverage online instantly from the comfort of your fingertips - anywhere, with the best deals and lowest premiums in the market.

Cancelling the policy/certificate before the contract expires may incur a cancellation fee during the one-year validity period. If you are considering switching to a different insurer/Takaful operator, it’s advisable to wait until your current contract expires.

Insurance: You are entitled to a premium refund upon cancellation, subject to the refund policy outlined in the policy wording.

Takaful: You are entitled to a contribution refund upon cancellation, subject to the refund policy outlined in the takaful certificate.

Yes, you can opt to terminate your coverage by providing us with a formal written notice and, when necessary, returning the issued policy/certificate. Should you cancel, you may be eligible for a refund of your payment, provided that no claims or benefits have been made under the policy/certificate.

Yes. To obtain it directly from your preferred insurer or takaful operator, you may contact them, visit their website, or go to the nearest branch.

• Comprehensive: Covers damage to the policyholder/certificate holder's motorcycle up to its market value and includes loss or damage due to accidental fire or theft.
• Third Party: Covers the third party's loss (injuries, death, or damage to their property) caused by your vehicle.

Over-insuring your vehicle means its insured value exceeds its actual market value. In the event of a loss:

• The claim payout will match your vehicle's market value at the time of the incident.
• If your vehicle is under a hire purchase agreement and the lender requires coverage based on the outstanding loan (which may exceed the market value), note that:
  • The claim settlement will still be based only on the vehicle's market value at the time.
  • Any difference between the market value and outstanding loan is not covered.

You can renew your car insurance/coverage up to 60 days before the expiration of your current coverage.

1. For Brand-New Vehicles: The coverage amount is based on the vehicle's purchase price.
2. For Vehicles Older Than a Year: The coverage value is based on the current market rate, as determined by the provider's valuation system.

Under the progressive motor liberalisation framework, your payment amount is determined based on several risk factors, including:

• Your age and gender
• The vehicle's age, make, and model
• Engine capacity
• Coverage value
• Primary usage location
• Any other relevant information at the time of policy issuance

Your insurance policy/certificate covers Malaysia, Singapore, and Brunei, in accordance with Malaysian legal standards. If you intend to drive in Singapore, you must purchase additional coverage for Legal Liability to Passengers (LLP), as the standard Private Car Policy does not include this.

Agreed Value: The coverage amount that will be reimbursed in the event of total loss or theft.

Market Value: The amount reimbursed will be the market value of your vehicle at the time of total loss or theft, or the coverage amount in the Schedule—whichever is lower.

If you are a foreigner, please select “passport” and enter your passport number. For company-registered vehicles, select “company registration” and enter the company registration (ROC) number.

To ensure accurate and timely communication, please notify us of any changes to your contact information. You may reach out to our customer support at +603 - 2772 9688 or via email at customerservice@aeoninsurance.com.my.

If you have a complaint regarding our products or services, or are dissatisfied with a claim decision, please contact our Customer Support to resolve the issue.

Yes, AEON Insurance Brokers (M) Sdn. Bhd., as a registered broker, provides:

1. Product advisory
2. Assistance in changing/updating coverage details
3. Claims assistance

Alternatively, you may also contact your selected insurance company/Takaful provider for after-sales services.