Difficult buying your Motor Insurance? Try Malaysian Motor Insurance Pool

Updated 09th February 2010

Frequently Asked Questions – MMIP

We have updated this blogpost with a recently released Malaysian Motor Insurance Pool (MMIP)’s frequently asked questions. You may like to go through the questions and answers before going to “PAGE 2” for the full write up….

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345 comments for “Difficult buying your Motor Insurance? Try Malaysian Motor Insurance Pool

  1. Blisszz97
    July 5, 2017 at 01:05

    Bole tlg anggarkan berapa harga kos insuran utk teksi jenis waja 3rd party? And which company insuran shud i go to settle this problem. Ty all

  2. Han
    March 30, 2016 at 15:08

    hi,sy menghadapi masalah membeli insuran utk trailer caravan,kebanyakkan agen yang sy jumpa tidak dapat membantu msalah ini,sy ingin mendapatkan cara utk menyelesaikn mslah ini,tq

  3. Yusof
    February 14, 2016 at 11:00

    Dear Sir,

    I have an 847cc Perodua Kancil registered in 2001, still in good working condition ie road-worthy; but the road tax/insurance has not been renewed for the last 2 yrs since Feb 2004. Now I plan to use back the car for sending my son to school in the same housing area where I live. I was informed by JPJ to get the insurance cover first and then send the car to Puspakom for inspection, before the new roadtax can be issued.
    The question now, the insurance company is asking for the Puspakom report before I can purchase the insurance and the lady at the counter even suggested that I go and buy from the post office, which I believe they are referring to the MMIP.
    I went back to JPJ and told them what I experienced, and the JPJ officer at the information counter suggested that I buy a 3-day insurance cover for the car just for the purpose of sending it to Puspakom for inspection.
    Is there such thing as a 3-day motor insurance cover and if any, roughly how much it will cost for my car, and where I can buy it?
    For yr addtl info, I will be 64yrs 4mths by end of this month.

    Thanking you in advance.

  4. Anonymous
    January 11, 2016 at 11:18

    Lokasi pjbt insuran pool ni kt terengganu…tq

  5. soundwave
    January 7, 2016 at 12:52

    Hi.. sya nak cancel polisi MMIP tp sya xde copy polisi .
    Mcmana tu ye..

    • January 23, 2016 at 19:12

      Dear sir, try checking with Andy if the branch office of uni.asia and mpi generali. They should be able to help you.

  6. mie
    June 16, 2015 at 04:33

    saya pergi cimb/allianz nak renew insuran n roadtax, kena reject… kata dia kereta dah 18tahun tak ambil buat insuran… dari beli sampai habis bayar kat dia tiba2 x nak ambil plak… kereta punya la elok, se sen pun x penah claim insuran… puihhhh apa punya system ni dia orang? orang lain kereta 20tahun lebih pun ada lagi… elok je renew.. puihh allianz!!

  7. muzamil
    April 6, 2015 at 12:21

    salam, bagaimana nak kensel insurance lama? Insuran skrang ni nama owner lama.

    • April 15, 2015 at 09:24

      Kalau hendak cancel tu insuran policy lama, kena panggil owner lama buat request kat sykt insuran tersebut.

      • nurkamalia
        June 11, 2015 at 10:49

        salam kalau renew insuran motorsikal honda c100 tahun 2001 ncd ade 20% berape ye .tq

        • July 7, 2015 at 22:34

          Saudari beli Motorcycle insurance third party? Mungkin dalam linkungan RM50 agak2

  8. Anonymous
    March 4, 2015 at 15:43

    blh bg alamat n no tpn mmip di johor..

    • March 27, 2015 at 23:28

      Saudara boleh contact toll free line: toll free 1-800-888-990

  9. Anonymous
    February 18, 2015 at 16:03

    first time beli insurance. xde NCD. company insurance ape ye yg murah sikit. budget dlm rm300 ke bwh.

  10. fiyh
    January 30, 2015 at 09:43

    i key in insurans but bila get ncd ia akan jadi NCD confirmation is unavailabe as confirmation already been taken earlier.

    • January 30, 2015 at 12:24

      Dear fiyh, this means your NCD had already be taken by another insurance company. What you should do is request your agent to check out which insurer that took the NCD. Thereafter this can be easily settled.

      • wand
        August 1, 2015 at 20:16

        Hi there, I got the same problem. Currently using MSIG & about to change to Berjaya Sempo via online. So, I should contact MSIG or Berjaya Sempo to solve this issue? Thanks in advance.

  11. LIMAT
    January 13, 2015 at 02:09


    • February 25, 2015 at 08:55

      About RM240 kalau tiada NCD – tapi check/verify kat insurer anda terdahulu.

  12. inti hidayati
    December 29, 2014 at 17:37

    Sy nak renew roadtax tp takboleh sbb masih ade balance insurans ngan mmip 2 bln so diorg suruh sy extend lg 4 bln br blh renew. Sy nak tanye mn sy nk pergi untuk extend Insurans ni. Cawangan nye kat mana yg terdekat ngan serdang atau putrajaya?

    • February 25, 2015 at 09:05

      Betul jugak utk extend lg 4 bulan. Saudari boleh pergi kat office Multipurpose Insurans atau Uni.Asia General. Mana mana office pun boleh.

  13. yeoh
    November 10, 2014 at 12:10

    Saya Bapa beli insuran MMIP,
    Bapa umur= keatas 65 tahun.
    Ada case accident, bapa salah di kemalangan ini. mereka kereta tak dapat claim MMIP kerana sudah keatas 65 tahun. Mereka keluar surat Lawyer suruh bapa ganti kerugian kereta mereka.
    Betulkah case ini, kalau tak dapat claim. Insurance why boleh accept?

    • December 14, 2014 at 21:37

      Ini problem MMIP,jadi buat aduan di Bank Negara complaint unit….

    • Anonymous
      January 20, 2015 at 12:45

      don’t woory anything you can claim back to your own insurance too.

      • January 20, 2015 at 13:58

        MMIP nowadays insert the driver’s age limit warranty, ie., if age is more than a particular year them coverage shall cease…. That’s is why the politicians are angry with such move. As of now nothing much you can do except to prove that such warranty was inserted without your father’s knowledge and was done with bad faith. …

  14. Anne
    October 21, 2014 at 16:29

    Sy ada beli insurance Pool. Now kereta dah hilang(kena curi). Can I claim? Anne

    • October 21, 2014 at 17:51

      Kalau insuran dari mmip ada lah comprehensive, kecurian boleh claim. Tapi biasa insuran itu ada lah third party.

    • November 13, 2014 at 22:05

      Kalau beli comprehensive cover memang boleh. Tetapi dengan third party cover saudari tidak dapat berbuat demikian.

  15. adi
    July 25, 2014 at 13:19

    Saya nak tanya..saya nk extan insuran kereta saya untuk dua bulan, penjual kereta saya cakap saya perlu pergi terus ke pejabat insuran samada di uni asia pn blh atau mpib. Bila saya ke uni caw alor setar mereka suruh saya ke caw mpib di jalan gangsa sbb insuran saya di buat di mpib. Bila saya ke mpib mereka ckp ofline dn saya boleh buat di caw uniasia..bila saya peg balik ke caw uni mereka tolak dn ckp mereka xboleh buat dn mereka ckp saya perlu jugak buat caw mpib

    • July 25, 2014 at 14:20

      Saudara, nampak kes teruk sgk. Mungkin tulis terus ke BANK NEGARA buat satu official complaint.

  16. G.Nathan
    July 17, 2014 at 17:30

    I have sold my car 6months back. Now I want to buy another car. How do I transfer my NCD to the new car.

    • July 17, 2014 at 19:20

      Just request your new insurer to check the ISM-NCD system for the NCD. If this is not in the system you would need to go back to your previous insurer for checking.

  17. June 4, 2014 at 13:32

    Hi. I Have this scenario. Motosikal dibeli pada tahun 1996 dan dicuri. Beberapa bulan selepas itu pihak syarikat insurans dah buat pembayaran kepada pemilik dan kedai menjual motosikal tersebut. Tiba2 pada tahun 2014 pemilik dapat tahu nama beliau blacklisted and CTOS disebabkan hutang motor tersebut. Bagaimana nak dapat tahu insurans apa yang digunakan semasa motor tersebut dikeluarkan kerana semua document dah tiada. Kami perlu tahu insurans apa yg digunakan untuk check semula. Thanks

    • ANSWER
      October 2, 2014 at 10:00


      either you check with JPJ or you check with ISM for your record of insurance.

  18. owais
    May 23, 2014 at 17:04

    slm.macamana hendak dapatkan salinan insurance mmip. insuran yg ada hilang dalam simpanan.

    • May 23, 2014 at 19:30

      Saudara boleh balik ke pejabat yang saudara pergi dahulu semasa membeli insuran tersebut. Kalau lupa pergi check kat multi purpose insuran atau uni.asia insurance

      • June 4, 2014 at 13:30

        Hi. I Have this scenario. Motosikal dibeli pada tahun 1996 dan dicuri. Beberapa bulan selepas itu pihak syarikat insurans dah buat pembayaran kepada pemilik dan kedai menjual motosikal tersebut. Tiba2 pada tahun 2014 pemilik dapat tahu nama beliau blacklisted and CTOS disebabkan hutang motor tersebut. Bagaimana nak dapat tahu insurans apa yang digunakan semasa motor tersebut dikeluarkan kerana semua document dah tiada. Kami perlu tahu insurans apa yg digunakan untuk check semula. Thanks

        • June 4, 2014 at 18:06

          My opinion is not about the insurance details as for now. You need to check the details in ctos of that “hutang”. How this came about. … usually after insurance settlement the amount outstanding may not be enough to offset the hp interest charged by the kedai menjual motor, so if the Owner does not check the final figure then he or she may eventually land into more debts as a result of escalating interests. With the ctos details then you can decide what being the next best step. … Perhaps checking with akpk may help (but I’m not sure in this regards)

  19. May 5, 2014 at 20:36


    Pada bulan Ogos 2013 saya telah membeli sebuah kereta Kancil 850 No Pendaftaran WJS 398. Saya telah membeli insuran 3 party melalui kedai yang menjual kereta tersebut. Saya diberitahu insuran dibeli dari MMIP tetapi saya tidak diberi bukti pembelian, Saya telah rujuk kepada JPJ dan saya diberitahu insuran yang dibeli adalah dari pool insuran kod 42. Boleh kah tuan tolong semak untuk pengesahan. Terima kasih.

    • July 17, 2014 at 22:20

      Ini blog insuran bukan untuk MMIP. Betul itu no MMIP. Saudara boleh semak di office kat Uni.Asia atau Multi Purpose Insuran.

  20. Anonymous
    May 4, 2014 at 14:58

    Hi, i want to claim the lost of use from MMIP. but i don’t know where should i summit my documents whether to MMIP or Uni asia. Can u give me some guidelines. Thanks

  21. daya idris
    February 9, 2014 at 13:41

    macam mana nak tahu market value bagi motorsikal yer???

    • February 9, 2014 at 13:45

      Idris, market value motorcycle boleh check kat agent anda ataupun directly kat website ISM-ABI . Saudara boleh Google. …

    • February 14, 2014 at 07:41

      Biasa di ISM-ABI site ataupun check sama agent atau agent yang jual / baiki motosikal.

  22. Bon
    January 6, 2014 at 06:55

    I’m use MMIP insurance for my 15 years old Perodua Kancil and this is my first time paying the Insurance. My problem is the I got no any document for this MMIP insurance. All these documents held by my car runner and can’t be contact. So I wanna ask:

    1. Can I renew my insurance without any documentation from MMIP?
    2. If can’t, where I can retrieve the same document which enable me to renew the insurance?

    • January 6, 2014 at 07:02

      You can try multipurpose insuran or uni.asia general HQ offices to enquire with your car registrations number. Let me know. …

      • Bon
        January 6, 2014 at 14:24

        Already done! It seems MMIP issue on Uni Asia does not require any document to pay 🙂 Thanks a lot bro 🙂

      • January 8, 2014 at 09:21

        honda integra year 1989 can u calculate the amount.please let me know ASAP.tq

  23. Anonymous
    December 31, 2013 at 11:12

    Dear Sir,
    How to apply to become an motor insurance agent?

    • December 31, 2013 at 12:06

      The question should be on how to become a non-life insurance agent. First you need to sit for the Pre-contact exam with MII, after passing it, select an insurance company to join. It may be difficult if you do not have any existing business because the minimum annual premium you must produce is RM20K. Select insurer that fits your business profile and also able to provide the necessary training.

      • Anonymous
        January 2, 2014 at 11:12

        Where can I sit for that exam? In currently staying in Penang.

        • January 2, 2014 at 14:09

          You may approach berjaya sompo penang branch to enquire for the exam. You may check online the MII site and see if you can enrol directly.

  24. faizal
    December 29, 2013 at 20:36

    Boleh sy dapat kn alamat dan no.office branch MMIP di johor bahru?

    • March 10, 2014 at 23:32

      Google address uni.asia atau mpib. Ini dua sykt insuran yg membekal services mmip.

  25. faizal
    December 29, 2013 at 20:01

    Hi, sy ingin bertanya..pada 9 dec ,Sy dilanggar oleh sebuah lori dan pemilik syarikat ini menggunakan MMIP, bagaimana sy ingin membuat tuntutan “loss of use” utk kereta sy? Ini pngalaman pertama sy dilanggar dan sy baru dpt tahu boleh untuk claim “loss of use”Dgn keadaan sy yg sibuk brkerja, sy telah pending lebih dr 2minggu.. Masih Boleh ke sy claim “loss of use”?.. Kereta sy telah dihantar ke perodua, dan pihak insurans sy akan brhubung dgn pihak MMIP utk tuntutan cost repair.

    • December 29, 2013 at 20:09

      Kalau saudara telah ke perodua dan pihak perodua akan berhubung dgn mmip, kena tanya mereka. Bagaimana pun, pemunya lori tersebut kena lah report kepada mmip.

  26. ishak
    December 10, 2013 at 13:09

    salam….sy nak tanya ncd yg tidak di guna blh bertahan berapa lama?terima kasih.

    • December 15, 2013 at 09:34

      Kalau NCD tidak diguna lebih drp 12 bulan, % NCD akan dikurangkan satu tahap, I.e. Kalau ada 55% ini dikurangkan ke 45% dan seterus nya.

    October 19, 2013 at 06:36

    tahun lalu saya guna MMIP di pjabat pos (keta lebih 20 thn).. baru-baru ni mau renew… didapti NCD saya da “0”… sya tidak pernah buat tuntutan or memindahkanya… ini apa citer?.. wlupun NCD tu tak byk sgt tpi saya akan membuat laporan polis jika takda penjelasan dr pihak MMIP

    • October 20, 2013 at 20:46

      Sepatut nya NCD di bawah kawalan ISM NCD. Boleh check kat website ISM.

      • HABIBAH
        October 24, 2013 at 22:54

        saya dah check kat web dan SMS… NCD tu masih ada… bagaimanapun bila saya nak renew kat pejabat pos or mana-mana agent insurance… memang tiada rekod NCD. skrng insurance n roadtax da expired…bagaimana hendak mengatasi masalah ini? memang boleh renew…tpi tanpa NCD kosnya agak mahal.. mohon bantuan dari tuan

        • October 24, 2013 at 23:09

          Kalau dah check, cuba print out dan pergi uniasia insurance atau multipurpose insurance untuk mendapatkan nasihat seterus nya.

    October 19, 2013 at 06:24

    tahun lalu saya ambil MMIP kat pejabat pos (keta lama 20 thun)… baru2 ini mau renew… itu kerani pjbt pos ckp… NCD saya dah “0”.. saya tidak pernah buat tntutan or memindahkan NCD tersebut…apa malsah?

  29. October 16, 2013 at 10:25

    Salam .. Encik Malaysiainsurance

    Kronologi kes kemalangan terjadi kat sy, berlaku semalam 15hb Oct 2013.
    Kemalangan terjadi disebabkan sebuah Perodua Myvi yg berhenti secara mengejut untuk mengelak berlanggar dengan sebuah lori 1 tan dihadapan.
    Kejadian membabitkan 7 biji kenderaan iaitu:
    Lori (pertama) – Myvi (kedua) – Perdana (ke3) – Toyota Hilux (ke4) – Wira (ke5 yg ni kereta sy) – Satria Neo (ke6) dan Wira (ke7).
    Dalam kes ni, boleh jelaskan macam mn tuntutan insuran bg pihak sy. Disebabkan kerusakan dialami kereta bhg. depan dan belakang yg agak parah, dan sy pemegang polisi insurans pihak ke3 .. Macam mana status sy dalam hal ni, kedudukan sy ditengah2 dihentam dibelakang menyebabkan krt sy mnghentam Hilux didepan.
    tks atas keprihatinan encik ,

    • October 17, 2013 at 00:17

      Dear sir,
      Insurance saudara akan membiayai kerosakan hilux di depan dan insurance Satria akan membiayai kerosakan kereta Saudara. Ini adalah established method of settlement tetapi saudara boleh mendapatkan pendapat berlainan….


  30. kejen
    October 2, 2013 at 14:02

    im from alor setar, i went to one of yr agency named TK Jaya Agency. Do an agency
    have the right to collect extra charges other than the amount showed in cover note?
    The agency giving a reason that the charges were for the expenses of the papers, fax and etc. In their them it is their service charges.

    • October 4, 2013 at 20:13

      I can’t really tell you if the agent can charge you extras or not, I.e. Over and above the premium chargeable by MMIP. Agents don’t have commission with the MMIP policy. They can assist or help the customers earning some money from the customers on a willing buyer willing seller basis. … However you don’t have to get their help, just proceed to the nearest Uni.Asia, Berjaya Sompo or Multi purpose insurance office or even POS Malaysia for the brevet assistance. Of course you would have to do the running yourself including filling up the proposal form….

  31. roslan
    August 5, 2013 at 10:58

    salam..saya ada beli kereta baru..sy nak claim ncd kereta yg lama(pakai 1thn lbh) nak transfer ke kereta baru..tp ejen dr proton ckp dia check ncd=0…sedang selama saya pakai xde claim apa-apa malahan xpernah excident…kereta beli 2nd(kereta lama)..bayar cash..macam mana nak check blk ncd ada ke x?setahu sy walaupun stahun jd owner kereta at least ada percent ncd skt…blh bantu?

    • August 6, 2013 at 07:55

      Memang benar, kalau telah beli insuran setahun sekurang kurang dapat 25% NCD dan boleh di tukar ke insuran utk kereta baru…. kemungkinan insuran saudara belum habis 12 bulan….

  32. August 2, 2013 at 13:46

    salam.suami sy nak renew insurance kereta yg dh 22 Tahun..1991.boleh x sy dptkn insurance disini..sbb masa ni..pejabat pos semua di Kuala Lumpur ni Off Line…

    • August 3, 2013 at 07:07

      Saudari, blog kami tidak jual insuran, kalau beli online pun untuk kereta baru. Try myEg

  33. Anonymous
    June 29, 2013 at 12:07

    salam. mcm mana nk download cover note MMIP. last year buat di salah satu agen, then dia inform cover note x dikeluarkan.kalau nk kena pergi ke web pastu download…skrg de mslh nk renew insuran di Pos…diorang nk copy cover note..

    • July 7, 2013 at 21:34

      Kita tidak keluar Cover note cuma blog informasi insuran. Tidak ada mungkin tiada cover note kalau betul betul ia di keluar oleh syarikat insuran

  34. Anonymous
    June 5, 2013 at 13:36

    Dear sir:

    I bought a insurance policy from your Malaysian motor insurance pool on 20/5/2013 from JB the policy number is 23520130177160 and car number is BHD 8185 but I last my insurance cover note few days ago so how can i download my insurance cover note
    please help me
    Rajagopalan chezhiyan

    • June 8, 2013 at 10:03

      I don’t think MMIP has any facilities over the web to enable the downloading. Perhaps you may want to let me know which JB office that you bought it from? Otherwise, do go back or call them for assistance.

  35. atikah
    May 30, 2013 at 11:26

    hi.. i nak buat third party policy for my car manufactured in 2003.
    kindly advise the step or contact person yg boleh i deal with.


    • June 8, 2013 at 10:00

      this is a blogsite to provide some advices to the public in general…. if you need to buy a third party insurance for your car it is best you check this out with Uni.Asia or Multipurpose Insuran (at any one of their branches) or if you prefer then do check out other insurers like Kurnia, Berjaya Sompo…. they may be able to assist at the Customers Services counter. If these insurers are not selling you their brand of insurance you can request for the MMIP product, and they are obligated to assist you; otherwise you are entitled to file the necessary complaint with the management or Bank Negara.

  36. syefaa
    May 10, 2013 at 12:14

    macam mana saya nak dapatkan contact num tros pada Malaysia Motor Insurance Pool ni ? boleh tolong ? i need to give the num ASAP to my boss .

    • June 8, 2013 at 09:53

      MMIP does not provide much of a servicing to the public in general, it is best you liaise with either Uni.Asia or Multi- Purpose Insuran (get to the nearest office or outlet) so that they can help you to check your problems….

  37. May 4, 2013 at 16:02


    Theft Claim (mmip-uni asia)…Discharge Vouchers & all required docs da submit… & now dlam process utk issue cheque…Normally bpe lama (minggu?? bulan??) for them to prepare the cheque?


    • May 8, 2013 at 18:23

      Kindly follow up with uni.Asia since the had already been submitted. We only provide a forum for providing / exchanging info and gathering info in lesser to highlight them to the relevant authority.

  38. April 25, 2013 at 08:04

    perlukah ambil masa yang panjang untuk update ncd pada ism.

  39. Rezuan Razali
    April 13, 2013 at 07:38

    mcm mana nak dapatkan polisi insurans daripada Malaysian Motor Insurance Pool???saya perlukanya…

    • April 27, 2013 at 10:48

      Saudara boleh pergi mana-mana sykt insuran / takaful untuk membeli tetapi lebih senang kalau pergi ke Uni.Asia atau Multi-Purpose Insuran kaunter servis.

  40. Nur Shahril
    March 28, 2013 at 15:21

    Saya mempunyai sebuah kerata yg berusia 19 tahun, boleh tak tuan bagi cadangan insuran mana yg patut sy ambil?
    Terima kasih.

    • March 30, 2013 at 19:15

      Setahu saya Berjaya Sompo, Kurnia, MMIP ada jual, saudara boleh check….

      • Nur Shahrilshazli
        April 3, 2013 at 14:49

        Orait.. terima kasih atas bantuan.. 🙂

    February 8, 2013 at 12:19

    saya nak mintak penjelas sikit la..saya ada buat tuntutan ganti rugi kereta saya hilang dalam 6 bulan lepas .dokumen semua dah sampai kat HQ .sekarang hanya nk tunggu proses pembayaran je.Jadi saya hubungi pihak insuran tersebut untuk bertanya bila boleh keluar ganti rugi tersebut dan pihak insurans bagitahu saya tidak lampirkan surat A.P sebab kereta import .saya tidak dapat pun surat tersebut dari orang yang saya beli tu ,saya ni dah org yang ketiga dalam geran tersebut.,pihak insuran suruh minta dengan kastam surat tersebut .saya dah usaha tapi pihak kastam hanya menyimpan surat A.P dalam tempoh 6 tahun ke bawah sahaja . saya tak tahu apa lagi nak buat ..adakah pihak insurans hanya buat helah untuk tidak bayar ganti rugi saya ..atau mmg perlu kn surat a.p untk proses ini ..kereta saya tahun 92 .daftar 95 . TOLONG ENCIK BANTU SAYA ..

    • February 14, 2013 at 18:39

      Sykt insuran mana tu? Boleh bagi tahu? Biasanya sykt insuran memang mengkehendaki salinan AP itu tetapi kalau tiada, itu bukan sebab ganti rugi tidak dapat di selesaikan.

    • Anonymous
      March 12, 2013 at 12:18

      salam…saya nk tanya klu nk update ncd nk bt mcm mn erkkk…..call ism x pernah dapat sll busy

      • March 23, 2013 at 10:18

        Salam, saudara boleh pergi ke sykt insuran yg mana saudara beli insuran tsb dan tanya lah pekerja di customer service. Bawah semua documen yg berkenaan.

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