logoClient

EvoClub

Authorized Agent

General Insurance Company Since 1972

logoP&O

The Best Car Insurance
For Car Enthusiasts

Save Up To 40% On Your
Car Insurance

Higher Valuation, Lower Cost

BUY NOW /

CHECK PRICE

We are a digital agent for Pacific & Orient Insurance. Our specialized product:
tickPrOmilej
tickPrivate Car
tickMotorcycle

Key Features :-

tickSave up to 40% of your car insurance premium!
tickBank Negara approved
tickPut more money in your pocket
tickOne simple payment
tickFREE 24-hour Roadside Assistance

Contact us if you have any questions - We are happy to help you



Frequently Asked Questions

We have answers for your questions, check them all.

Q
A

How do I submit my odometer reading if I would like to purchase ?

You have to take a photo of your odometer reading via our mobile application before you contact our agents or walk-in to our branches.

Step 1: Launch our mobile application

Step 2: Click “click here” at the bottom for access to more products

Step 3: Click on the “PrOmilej” tile.

Step 4: Submit Odometer Reading and Mileage

Step 5: Enter your Vehicle Registration Number and your ID

Step 6: Take a photo of your car’s odometer reading and enter you odometer mileage reading

Step 7: Enter your email, and other details

Step 8: Submit

Q
A

Can I purchase PrOmilej without submitting the odometer mileage photo ?

No. You have to submit a valid odometer mileage photo and reading in order to purchase this PrOmilej. Failing which, we reserve the right not to insure your case.

Q
A

What happens if I exceed my allocated mileage ?

If you have exceeded your allocated mileage and Grace Mileage before the end of the period for which you’re insured, you will only be covered for third party bodily injury or death and third party property damage but not loss and damage to your vehicle due to accident, fire or theft.

For your own benefit, the top up should occur before the mileage allocation is reached. You will not be allowed to top up after an accident occurs if you have exceeded your allocated mileage. Thus, it is important to monitor your mileage and top up your policy to the next level of mileage or to the full mileage cover if you think you will exceed your allocated mileage before the end of the period.

Q
A

Can I get a refund on my unused mileage ?

No, there will be no refund or carry over of your unused mileage when you renew.

Q
A

Why am I receiving calls from P&O Insurance after purchasing PrOmilej ?

We will contact you within 14 days after you purchased this policy:

  • To ensure you are fully aware about the benefits and features of this product;
  • To ensure you have submitted an accurate odometer photo that matches with the odometer reading you entered; or

Please refer to the policy contract and product disclosure sheet for the full terms and conditions under this policy.

Q
A

What is Private Car Comprehensive Insurance ?

Our Comprehensive Insurance pays for the fire, theft, loss or damage to your car when there is an accident with a third parties’ vehicle or property. This includes protecting you when you are responsible for the injury or death of the third party, and damage to their property.

Coverage descriptions are brief and subject to the terms, conditions, limitations and exclusions. Click here for more information on our Comprehensive Private Car policy.

Q
A

What is Motorcycle Comprehensive Insurance ?

Our Comprehensive Insurance pays for the fire, theft, loss or damage to your motorcycle when there is an accident with a third parties’ vehicle or property. This includes protecting you when you are responsible for the injury or death of the third party, and damage to their property.​

Coverage descriptions are brief and subject to the terms, conditions, limitations and exclusions. Click here for more information on our Comprehensive Motorcycle policy.

Q
A

What is Commercial Vehicle Comprehensive Insurance ?

Our Comprehensive Insurance pays for the fire, theft, loss or damage to your vehicle when there is an accident with a third parties’ vehicle or property. This includes protecting you when you are responsible for the injury or death of the third party, and damage to their property.

Q
A

What is Commercial Vehicle Third Party Insurance ?

Our Third Party Insurance pays for the damage to third parties’ vehicle or property, when there is an accident, and protects you when you are responsible for the injury or death of the third party.

Q
A

What is Credit Shortfall Private Car Insurance ?

In the event of a theft or total loss of your car, our Credit Shortfall Insurance pays the balance amount of the loan to the bank, after subtracting the sum insured or market value amount (whichever is greater) of your car. This product is renewable on a yearly basis if your car is still under hire-purchase and insured under our comprehensive policy.

Coverage descriptions are brief and subject to the terms, conditions, limitations and exclusions. Click here for more information on our Credit Shortfall Private Car policy.

Q
A

What is Credit Shortfall Motorcycle Insurance ?

In the event of a theft or total loss of your motorcycle, our Credit Shortfall Insurance pays the balance amount of the loan to the bank, after subtracting the sum insured or market value amount (whichever is greater) of your motorcycle. This product is renewable on a yearly basis if your motorcycle is still under hire-purchase and insured under our comprehensive policy.

Coverage descriptions are brief and subject to the terms, conditions, limitations and exclusions. Click here for more information on our Credit Shortfall Motorcycle policy.

Q
A

What should I do when my vehicle is stolen ?

You must report to the police immediately or within 24 hours, then proceed to contact us at 1800-88-2121 (Press 4) to inform us of the loss.

Q
A

My son/daughter just received his/her license. Do I need to add my child as a named driver ?

Yes. You may but subject to an additional excess (Compulsory Excess) of RM400 if he/she is driving your car in the event of an accident. The minimum requirements are that he/she:

  • Is under 21 years old;
  • Holds a Provisional (P) or Learner (L) driver’s licence.

Q
A

Why do I have to pay an Excess ?

To eliminate minor and/or small claims. We hope that by adding this charge, it will encourage drivers to take more care on the roads. Too many small claims and no excess to pay on car insurance would also increase premiums. If insurance policies didn’t have excess charges, claims could be made for small amounts which would mean much higher costs to run insurance companies overall.

Q
A

What if I cannot afford to pay the excess ?

If you do not have the money available to pay the excess your insurer may refuse your claim or deduct the amount from what they pay towards the repairs.

Q
A

Can someone with an international driving license drive my car?

Yes. A driver with an international license is covered on your policy so long as they abide by the laws.

Q
A

What is Total Assist ?

A call centre to immediately connect road accident victims and/or car breakdown towing service to the roadside assistance providers to provide information and answer common enquiries which you may have regarding motor insurance claims. It is available 24 hours, 7 days a week to assist you in obtaining towing services to approved workshops.

Q
A

What is Total Assist for Car ?

It provides a free towing of up to RM350, 24 hours accident and breakdown towing service. Offers a free Labour of up to RM350, any costs acquired for spare parts replacements required during the minor on-the-spot repairs will be bear fully and directly by the members. Members will be charged RM1.30 per/km payable directly to appointed Service Provider if any roadside assistance exceed RM350.

Q
A

What is P&O Insurance Total Assist for Motorcycle ?

It provides a free towing of up to RM150, battery delivery and 24 hours accident & breakdown towing service. Offers a free Labour of up to RM150, any costs acquired for spare parts replacements required during the minor on-the-spot repairs will be bear fully and directly by the members.

Provides service for any problem related to engine only excluding flat tires, chain break, out-of-petrol, and/or faulty spark plug). Members will be charged RM1.30 per/km payable directly to appointed Service Provider if any roadside assistance exceed RM150.

Q
A

What are the additional benefits under the P&O Total Assist for Motorcycle ?

We provide travel assistance to assist a stranded member to continue their journey and accommodation, with a discount of up to 30% for hotels & resorts and/or motorcycle rental. We will assist in arranging an ambulance to transfer a hospitalised member to another preferred hospital.

We help members to call for a competent service provider to repair wiring problem, plumbing, carpet washing and other home-related services. We will also assist member’s requests for assistance in making any reservations.

Q
A

How can I contact the towing truck service from P&O Insurance ?

To contact the towing truck service through our website, click here

To contact the towing truck service through our app, click here