Vehicle13 Questions

How do I contact customer support for assistance with insurance renewal?

For assistance with insurance renewal, you can contact our customer support via WhatsApp at +60 18-258 3957 or email at [email protected], or through the app’s designated support feature. We’re here to help you through every step of the process.

Can I renew insurance for someone else's vehicle using this app?

Yes you can but make sure you have gained their consent. To renew on others behalf follow these steps:1. Start on our Home Page and click ‘Get Best Quotations.’2. Input your Vehicle Registration Number and Identification Number (IC).3. If your insurance is expiring within 2 months, click ‘Compare and Renew Now.’4. Choose ‘Others’ and enter the vehicle’s owner details. Ensure the information you enter matches the vehicle grant. And click “Save”.5. Click “Continue” to the next step.6. Decide to include digital Road Tax renewal by selecting ‘Yes’. Fill in your current home address details (Home Address, Postal Code, City).7. Choose your preferred insurance, click ‘See Details,’ and review the specifics.8. Choose your preferred add-ons coverages for your specific needs9. Review the total cost, including insurance, Road Tax, and Grand Total and select your preferred payment method10. Complete the payment steps.11. After a successful payment, you’ll receive a receipt via email.

What does the vehicle insurance cover?

Vehicle insurance typically covers accidental damage, theft, third-party bodily injury or death, and third-party property damage. And there are a few add-on covers available if you wish to insure your car for more than what the regular policy provides. You have the following options from which to choose:Any damages to your car’s windscreenAny damages to your car audio and accessoriesAny damages to your car caused by natural disastersAny damages to your car in the event of a strike, riot or civil commotionAny liability claim from your passengers in the event of a car accidentAny compensation for the time your car is being repaired in the workshopComplimentary car usage for as many times as you need, in the event of theft or accident.But not every insurance plan can cover all of these coverage add-ons. If you need any additional coverage, be sure to select an insurance plan that offers the ones that meet your needs.

What is No Claim Discount (NCD), and how does it affect my premium?

No Claim Discount (NCD) is a discount given by insurance companies for not making any claims during the policy period. It’s a way to incentivize safe and responsible driving. The NCD is usually represented as a percentage and is applied to the renewal premium of the insurance policy. Here’s an example to illustrate how NCD works:Let’s say you have a car insurance policy and during the policy term (usually 1 year), you haven’t made any claims. At the time of renewal, the insurance company may offer you an NCD of 20% for your next policy term. Here’s how the premium calculation might work:Current Insurance Premium: RM 1,000 (without NCD)NCD Percentage: 20%NCD Discount: 20% of RM 1,000 = RM 200Premium for Next Policy Term: RM 1,000 – RM 200 = RM 800So, with a 20% NCD, your insurance premium for the next policy term would be RM 800 instead of RM 1,000.The NCD percentage increases with each claim-free year, typically up to a certain maximum, offering higher discounts on the premium. The NCD rates for private cars, motorcycles, and commercial vehicles are as follows:No-Claim PeriodPrivate CarMotorcycleCommercial Vehicle1st year0%0%0%2nd year25%15%15%3rd year30%20%20%4th year38.33%25%25%5th year45%25%25%6th year onwards55%25%25%However, if you make a claim during a policy term, your NCD may be reduced in the subsequent policy term, leading to a lower NCD discount and a higher premium. It’s important to maintain safe driving practices to maximize and retain your NCD, resulting in lower insurance premiums over time.

Is it possible to renew my vehicle insurance on iLyF if it has already expired?

Absolutely! You can renew your vehicle insurance with us, even if it has expired, as long as it’s within three (3) years of the expiry date. We recommend taking advantage of the grace period to ensure a smooth renewal process. Missing the grace period, unfortunately, results in the loss of any No Claim Discount (NCD) you may have earned over the years for not making claims.The grace period serves as an additional timeframe after the due date, allowing you to pay the premium without any coverage gaps. For car insurance policies, this grace period typically ranges from 10 to 31 days after the expiration date, though it may vary by provider. The specific duration of the insurance grace period is outlined in your insurance policy contract. Please double-check this information with your insurer to ensure accuracy.

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