P&O Rider

This policy provides insurance against loss or damage to your motorcycle, liability to third parties for bodily injury or death and damage to third parties’ property.

The total premium that you have to pay consist of the standard coverage premium amount and additional coverage requested and may vary depending on the no-claim-discount (NCD) entitlement and the underwriting requirements of the insurance company.

The standard coverage premium amount is calculated in accordance with the De-Tariff pricing factors which among others include the following:

• Insured Age
• Vehicle Use
• Cubic Capacity
• Vehicle Age
• Sum Insured*
• Vehicle Make
• Gender
• NCD
• Postal Code

*This sum insured is based on the current market value of the vehicle.

Duty of Disclosure:
a) Consumer Insurance Contract:
- Pursuant to Paragraph 5 of Schedule 9 of the Financial Services Act 2013, if you are applying for this insurance wholly for purposes unrelated to your trade, business or profession, you have a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when you apply for this insurance). You must answer the questions fully and accurately.
- Failure to take reasonable care in answering the questions may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance.
- The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us.
- In addition to answering the questions in the Proposal Form (or when you apply for this insurance), you are required to disclose any other matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied.
- You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed.
b) Non-Consumer Insurance Contract:
- Pursuant to Paragraph 4(1) of Schedule 9 of the Financial Services Act 2013, if you are applying for this insurance for a purpose related to your trade, business or profession, you have a duty to disclose any matter that you know to be relevant to our decision in accepting the risks and determining the rates and terms to be applied and any matter a reasonable person in the circumstances could be expected to know to be relevant, otherwise it may result in avoidance of your contract of insurance, refusal or reduction of your claim(s), change of terms or termination of your contract of insurance.
Comp-MC 3
- The above duty of disclosure shall continue until the time your contract of insurance is entered into, varied or renewed with us.
- You also have a duty to tell us immediately if at any time after your contract of insurance has been entered into, varied or renewed with us any of the information given in the Proposal Form (or when you applied for this insurance) is inaccurate or has changed.

• You must disclose all material facts such as previous accidents and modification to engines.
• You must ensure that your vehicle is insured at the appropriate amount.
• The excess, that is the amount of loss you have to bear will stated in your policy schedule.

Note: This list is non-exhaustive. Please refer to the policy contract for the full terms and conditions under this policy.

This policy does not cover certain losses, such as:

• Your own death or bodily injury due to a motor accident;
• Your liability against claims from passengers in your vehicle;
• Loss, damage or liability arising from an act of nature i.e. flood, storm or landslide;
• Consequential loss of any nature; and
• The loss of use of your vehicle.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

• You may cancel your policy at any time by giving written notice to us;
• You shall within seven days from the date of cancellation under the above paragraph, surrender the certificate of insurance to us or if it has been lost or destroyed, to provide us with a statutory declaration to that effect;
• Upon cancellation, you are entitled to a refund of the premium based on short-period rates, where any minimum premium paid (exceeding 8 months) under the policy is not refundable;
• We may also cancel this policy by giving you 14 days written notice by registered post to your last known address; and
• In the case of cancellation by us, you shall be entitled to a pro-rata refund of the unexpired premium calculated from the date of receipt by us of the certificate or statutory declaration in the event that the certificate is lost or destroyed.

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.

Should you require additional information about motor insurance, please refer to the insurance info booklet on ‘Motor Insurance’, available at all our branches or you can obtain a copy from the insurance agent or visit www.insuranceinfo.com.my.

If you have any enquiries, please contact us at:

Pacific & Orient Insurance Co. Berhad
11th Floor, Wisma Bumi Raya,
No. 10, Jalan Raja Laut,
50350 Kuala Lumpur.
Tel : 03-2698 5033
Fax : 03-2693 8145
E-mail : poi2u@pacific-orient.com

• Third Party cover