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. Raj
    August 12, 2011 at 09:59

    I was told by my AIG agent that as per ‘Insurance Underwriting Rules’ car insurance would be declined to those owners above 65 years of age. Please advise what options exists for people in this age category (above 65 years). Thank you.

    • August 21, 2011 at 23:03

      Generally this is true but there are insurers that are least concern of older folks driving cars around…. Only problem is about cars being very old. Just shop around. If indeed the car is very old just go to any company enquire about the MMIP cover. They have to provide you the necessary advices, otherwise let us know with furthe details, we’ll report the case….

      • Muhammad
        June 29, 2015 at 14:01

        Hi there I need some help to know that I buy car frm someone and the car have insurance and road tax till next year. Then we go for changing name to jpj but there they say u have to buy insurance first for changing name so I m amazed how can a car can be have two insurance at one time ….

        • July 7, 2015 at 22:41

          If the car still has the insurance and roadtax then you only need to endorse the insurance policy into your name. Perhaps you have not done so?? If you have not done so and want to get the transfer done immediately then you are forced to buy a fresh policy. I guess that’s the situation. In respect of your question, can the car has two insurance policies? In your case, assuming if you had not transferred the insurance to your name then the earlier policy does not cover the car once it is transferred to your name.

  2. D' June
    August 9, 2011 at 12:10

    6 Bulan yang lepas sy telah membeli MMIP, Macam mane saya nak dapatkan cover note. Ini adalah untuk memperbaharui cukai jalan yg telah tamat tempoh.

    • August 21, 2011 at 22:56

      Kalau sudah beli MMIP policy dan perlindungan masih sah tidak payah dapat cover note lagi. Ambil policy yang sudah ada terus buat extension cukai jalan di POS atau di JPJ atau pun myEg website.

      • matobe
        August 22, 2011 at 12:17

        kalau kat ipoh kat mana nak dptkan insuran mmip selain dari pejabat pos….betul ke kalau kat pejabat pos ada limit utk jual cover note ni setiap hari….boleh tak buatkan anggaran utk cover note 3rd party kereta bmw, tahun 1993, ncd 25%, cc 1597, takda hutang dgn bank……

      • April 16, 2013 at 17:28

        Roadtax kereta saya da nak mati. saya nak renew insuran tapi tak dapat sebab insuran(MMIP) masih ada lagi 3bulan. agen tu suruh buat extension. macamana ya? saya takde apa2 policy atau dokumen pasal insuran. saya cuma ada geran je. dan sebelum ni saya belum pernah renew insuran lg.

        • April 27, 2013 at 10:51

          Pergi kaunter servis mana mana cawangan Uni.Asia / Multi-purpose Insuran untuk mendapat balik butir butir insuran MMIP itu. Kalau saudara sudah tahu MMIP insuran tersebut masih ada 3 bulan, kemungkinan besar saudara bolih mendapat balik butir butir insuran tersebut.

      • Anonymous
        June 6, 2013 at 15:17

        servis mmip terok!! nak buat extantion dari hari jumaat minggu lepas sampai sekarang tak boleh lagi… ape masalah nie????

        • June 8, 2013 at 09:50

          Saudara beli insuran dari mana? Dari agent, Post Malaysia atau di syarikat insuran?

  3. fion yan
    August 6, 2011 at 01:04

    Hi,i hav a problem,i wan to renew my road tax,but my MMIP insurance and road tax no balance,i need to extend my insurance first,if i can’t find back the same insurer to extend my insurance,what can i do now?can i find other agent to extend my MMIP insurance?can i find in the selangor klang area??

    • August 6, 2011 at 13:04

      No problem…. you would have purchased it from either Uni.Asia or Multipurpose, just check out the policy number and let me know…. I would let you know what best to do.

      • fion yan
        August 6, 2011 at 16:16

        what is policy number?On my certificate of insurance i can’t get any policy number,only hav certificate no.Is that policy no. same as crtificate no.?Can i go to Branch of Multi-Purpose Insurans extend my insurance??Because at Klang hav Branch of Multi-purpose Insurans (No. L4-3-2C, Pelangi Promenade, Jalan Pekan Baru 34, 41050 Klang, Selangor.)Can i go there??

        • August 21, 2011 at 22:25

          Yes, just drop by the branch and request them for assistance. They can’t tell you, the unable to help you stuff….

  4. ILA
    August 4, 2011 at 21:05

    i punye insurance ni,kat mane nk renew area shah alam or paling dekat ye…??

    • August 5, 2011 at 17:40

      Boleh pergi kat Berjaya Sompo, Klang branch atau pun mana branch di Klang.

  5. serio
    July 12, 2011 at 12:59

    Can I renew my car insurance for 6 months only? Reason being is because I plan to sell my car soon so I dont want to renew it for 1 year. Is that possible?

    • July 13, 2011 at 23:00

      Yes, you can renew the existing policy for 6 months but it is more appropriate to do so with the same insurer / takaful operator, which also means you are extending your existing policy. Extending, means you get a pro-rate additional premium…… and if you renew (with another insurer) you would be charge a short-period additional premium which may sums up to some 75% of the 12-month (or annual) premium.

  6. Worries ppl
    July 8, 2011 at 17:23


    I’m interesting to become part-timer of motor insurance agent however i was out of my mind on how to apply it. i had tried to email Berjaya Sompo & Multi-purpose about this matter but seems they no one reply me.

    Actually i have 1.5 years in renewal car insurance from my current company as agent.i just know how to help my client renewed his/her cover note but i was no idea on how to apply the agent to be my part-timer.

  7. fadzil agency
    July 5, 2011 at 18:45

    evening,I’m interested to become an agent for MMIP. Please call me 0199595843 or e-mail me to let me know how.. thanks a lot

    i’m realy need to know….As soon as possible

    • July 9, 2011 at 22:57

      we are not rep of MMIP for MMIP is not appointing any individual agents except insurers and takaful or POS Malaysia.

  8. Anxious Uncle
    July 4, 2011 at 17:47

    My uncle owns a Datsun which has just turned 30 years old. Now he faces difficulty in buying insurance for his old faithful car. Please advise whereabout in KL/Selangor can he get it insured.
    Thank you.

    • July 5, 2011 at 00:32

      Walk into any insurance co or takaful operator they should get this done for you, at least get you insure with MMIP on third party insurance with max loading 150%. Any problem, email me.

      • Kent
        August 11, 2011 at 20:12

        Hi MMIP, i have a similar problem as the Anxious Uncle. My uncle is now at 70 years old and has an 30 years old Datsun car. Lately, he was made understand by someone that “a person who is 55 years old and above are NOT allowed to drive a 30 years old car anymore”. Is that true? Can he gets to renew the car insurance next year (year 31)?


        • August 21, 2011 at 22:51

          Under the new national motor framework the need for medical examination of old drivers and Puspakom inspection for old private cars are no longer a requirement. So no issue with unable to get insurance cover…. MMIP is everready, if they are not please continue to report to us.

  9. Andrew
    May 25, 2011 at 14:18

    I just called up Etiqa today to renew the insurance for my Saga 92 model. In the reminder that they sent to me earlier this month they stated that the Total Amt Due = 417.59. When i called them earlier, they now say that there will be an extra loading of 15%. I was under the impression that Bank Negara has already abolished this loading fee. Check the link below:


    Anybody knows what’s going on?

    • May 27, 2011 at 15:20

      Dear Andrew,
      Don’t believe the press report for they know nots what they are
      reporting. Can’t Blame them though for the industry spokesperson also not
      very clear with the facts. There is nothing in my site talking about
      no loading! Maybe lesser loading…. loading that is within the permissible percentage allowed by Bank Negara. Even MMIP reduces their loading % for all those “displaced” vehicles. Check out our blogpost @ http://www.malaysiainsurance.info/practicles-principles-in-insurance/new-motor-insurance-framework
      Anyway for a 1992 year car, a loading of 15% seems reasonable. But for
      us to give you a better computation, do let us know the market value
      of car, any NCD, cubic capacity and any financing involved….

      Sent from my BlackBerry® smartphone powered by U Mobile

      Sent from my mobile device

  10. May 12, 2011 at 09:11

    I need help…i have a proton saga hatchback, Year 1992. The due date is this coming June. But my insurance Multipurpose does not want to renew. The letter sent by them stated “Renewal Not Invited”. The comments above indicated that Multipurpose is one of the authorised insurers for MMIP…Any one can help and recommend how to re-insure my car??
    Pls help…
    Anxious & Disappointed

    • May 14, 2011 at 09:15

      No worries…. what Multi Purpose’s message was, they are not able to renew your existing insurance with them BUT they are able to insure or renew it to the MMIP for you. MMIP is a pool to cover those who are not able to secure any insurance cover. Of course the cover is much more expensive… I do not know what sort of insurance cover you are having currently – if this is a third party then it is true you may have difficulties renewing but if this is a comprehensive or third party, fire & theft, I do not think you will have any problem…. just shop around. You may try the following link:

      Click in and if you are not able to buy, then just call the agent concerned, Mr. Chee Hong Moo he should be able to help you or email me at malaysianinsurance@gmail.com

    • May 16, 2011 at 15:57

      Hi Cikgu

      Thank you very much for your advice.
      Will follow your advice
      Appreciate it very very much

      No longer Anxious But Slightly Disappointed in the System

      • May 16, 2011 at 21:10

        You can always get a second opinion….

        • Anonymous
          September 4, 2011 at 05:57

          Hi, is it possible to get Third Party insurance for my 20year old car? I’ve just got back from work overseas and i’m not sure of what to do now as my last insurance policy expired in ’09.

          • September 4, 2011 at 09:21

            Just go to any insurance company and request for a TP cover with MMIP or Malaysian Motor Insurance Pool. They should be able to provide.

  11. mamat
    May 6, 2011 at 21:44

    Last year i overinsured (imposed by insurance company) at RM10k instead of my iswara 1998 market value were actually below. Can i insure my car at market value now at RM5k under this scheme?

  12. Anand Arun
    May 5, 2011 at 17:35

    Hi there,
    Is it true if you had processed the MMIP insurance online you are then not allowed to cancel the policy? This is what the salesman is claiming. And does MMPI have any EXCESS clause? Please revert I am getting alot of mixed responses.

    • May 10, 2011 at 23:19

      Yes, if you buy from insurers / takaful companies other than MultiPurpose or UniAsia. Simply because there is currently no endorsement module in the MMIP front end system for cancellation. Only Multipurpose and Uniasia are able to access to the MMIP’s backend system…. Anyway if you want a cancellation immediately after issuance, then you still can do so… but I repeat, this must be on the same day!

      Excess… yes usually there is an excess applied… perhaps next I will blog about the new terms and conditions applicable for MMIP cover.

  13. saiful nizam koya
    May 1, 2011 at 11:02

    hi. i need help. am so messed up since i cannot renew my insurance. apparently the people who changed my car engine from 1.3 to 1.6 didnt even know the owner of the car where they got the engine from and they asked me to renew for 3 months or 6 months b4 but i refused since if anything happen they will surely not entertain me since my policy detail doesnt match with the engine number. so how? any insurance company that cover for at least 1 month? but then meaning now got 2 insurance covering for 1 engine. tq so much

    • May 1, 2011 at 19:53

      Saiful, not sure what sort of mess you had gotten into. I supposed your engine change is still not approve by JPJ, which means you insurer would not cover your vehicle if you met with an accident. Buying from another insurer will not help…. You would have to get the change approved before you drive.

  14. Wahab
    April 18, 2011 at 11:34

    Hello! Please advise me how to renew my 32 year old car insurance. Can I go back to Malaysian Motor Insurance? Anyway I can do it in Melaka? Last year I renewed it in KL.

    Thank you

    • April 18, 2011 at 12:49

      You can try out Uni.Asia’s Melaka branch
      Melaka Branch
      EN. MOHD AZNI MD. ALI (Branch Head)
      75000 MELAKA
      TEL : (06) 2822877 / 2820970
      FAX: (06) 2841803

      Alternatively, you can try around for some Third party Fire and Theft covers with company like Allianz, Berjaya Sompo, Kurnia….. it is a matter of premium charged.

      • Wahab Rahim
        April 19, 2011 at 16:28

        Thank you for your response. I went to the GPO to enquire about renewing my car insurance [MMIP]and was told that I have to send my car for a Puspakom check. I thought you only need a Puspakom check if you want to sell your car and others. But not for insurance renewal. So,to avoid the hassle, I shall go to Uni Asia.

        Not many of us own oil wells!

        Thank you.

        • April 23, 2011 at 23:28

          Currently this is the procedures and POS Malaysia’s staff will just follow the procedures…. it should be best to go back to either Multipurpose of UniAsia. But soon this would be history.

          • CHAN
            May 10, 2011 at 18:31

            I previously bought a insurance from post office under MMIP insurance and this year want to renew the insurance and find out that my 20% NCB IS NOT UPDATE in the system of ISM, i refer back the servicing agent, already 4 days, but the 20% NCB still not updated .. they also cannot promise when can update for my 20% NCB, Please advice what to do?

            • May 10, 2011 at 23:38

              There is a glitch in between the MMIP database and Insurance Services Malaysia (ISM) NCD database…. What you can do is you check you policy number… check for the actual servicing insurer – there are only two official ones currently, i.e. multipurpose or uniasia. If you are able to identify the icing insurer, then proceed to visit their office and talk to the customer service staff about your NCD predicament. They should be able to assist you. If you have any problem, why not let me know the policy no….

  15. miss slc
    April 12, 2011 at 22:45

    i would like to know how to be a sub agent. Any prerequsite?

    • April 16, 2011 at 11:23

      I supposed you are referring to sub-agent of MMIP, there is currently no open agency or sub-agency except the ones given to MultiPurpose, UniAsia and POS Malaysia. And, you cannot get any sub-agency from them although you may try. For info, starting from 1st May 2011, this agency would be opened to all insurance companies and takaful operators, which means all insurance customers will be able to buy insurance whether from insurer/takaful or MMIP much more easier… Hoever for agents and other intermediaries, there is NO commssion if they intend to assist their customers to buy the MMIP typed of insurance.

      • pakwan
        April 21, 2011 at 01:34

        so, can buy mmip from such as kurnia insurance by 2nd may 2011?

  16. piza
    April 12, 2011 at 12:52

    how to contact your officer? i never find your officer contact no.

  17. March 25, 2011 at 13:21


    I’m a workshop clerk that handling the insurance services of motorcycle,car,lorry $ etc which using kurnia , pacific & orient.since their motor underwriting was recommend,everything were b.come strict forward.the prob that we facing now is
    a)hardly to open tp coverage 4 private car .
    b)commercial vehicle hardly to renew it’s insurance wif 2 insured that i mentioned juz now since it was getting ‘older’.
    c)motorcycles up to 40 yrs were all rejected.
    could u giv me an advice in order to continue my workshop services?thanks.

    • March 26, 2011 at 23:19

      Your current problem is very much a market problem – no insurer is taking in very old vehicles, insurers just can make the money for this type of vehicles. The only way out is for your company to reinvent, meaning you would need to refocus on getting the necessary cover form MMIP. What some agents did was to provide assistance (for a fee) to their customers helping them to secure cover from MMIP on their behalf.

      For information, it is a matter of time MMIP opens up their services so that most insurers would be able to sell the MMIP cover unlike what’s being practiced now, only UniAsia, Multi-Purpose & Pos Malaysia can only sell for MMIP. Once the insurers are able to provide this services it would be much more easier for agents to provide the necessary assistance to their customers….

  18. Edward Lim
    March 20, 2011 at 23:23

    I had a mercedes benz which year 1990,now cant get roadtax renewal,can i get your advise please?can get in post office or multi purpose or uni asia straight as wat u comment on this website?

    • March 24, 2011 at 19:20

      Yes you can buy the MMIP from those companies you’ve mentioned. However, for a mercedes aged 21 years I think you can try it out with various insurers, like Kurnia, Berjaya Sompo, Allianz…. Perhaps the agent may encourage you to buy a TPFT.

  19. Matt
    March 14, 2011 at 15:13


    I am keen to know what’s the standard tariff % paid to auto dealers who get their customers to purchase motor insurance from a specific insurance provider.
    Is there a rate set by PIAM?

    Thanks and hope to get some feedback.

  20. Shahriman
    March 10, 2011 at 14:36


    I need help to renew the road tax of my 30 y.o. mini.

    Last year as usual I purchased a 3rd party insurance coverage for the said car from Pos Malaysia. However, my road tax could not be renewed given that I’ve “saman ekor”. Subsequently 2 weeks later, the saman ekor was uplifted temporarily, hence I would be able to renew the raod tax but just for a period of 6 months.

    6 months gone by, and now the problem surfaced. There’s a MISMATCH between the remaining insurance tenure coverage (less than six months) and minimum road tax coverage.

    Best option probably just wait till the insurance lapse in July but its way to long to wait. Should I surrender the policy and make a fresh proposal? Pls help/ advise. Any agents in KL area to help? TQ in advance.


    • March 12, 2011 at 00:42

      From what I understand you have an insurance cover for 12 months but your roadtax is only 6 months and now the roadtax has probably expired. I supposed by now you would be able to renew your roadtax without any restriction — what you now do is renew your roadtax @12 months and then extend your insurance with the same insurer to make it coincide with the expiry date of the roadtax. Remember you must go back to the same insurer to do the extension.

      • fion yan
        August 6, 2011 at 00:50

        Hi,i hav same problem,if i can’t find back the same insurer to extend my insurance,what can i do now?can i find other agent to extend my mmip insurance?can i find in the selangor klang area??

  21. mandy
    March 9, 2011 at 13:03

    I’m having problem to renew my 1988 Proton Saga insurance. M i still able to get first party insurance instead of third party. Kindly pls advice …. TQ

    • March 12, 2011 at 00:48

      Your vehicle is about 23 years old, most insurer/takaful would prefer abstaining from insurance the vehicle especially if the cover is for third party. What you can do is go to Malaysian Motor Insurance Pool (MMIP) at either Uni.Asia General or Multi-Purpose Insuran to make the purchase. However, premium is not going to be cheap and the procedure is considered tedious, so do take leave when you intend to do the renewal.

      Alternatively you can buy a third party and theft cover… many companies are now selling this — you may be able to buy one @RM350 approximately…. Try it before you come back to me.

  22. Yap
    March 1, 2011 at 10:15

    I’ve had a 1989 model BMW which roadtax and insurance expired 11/2/2011. I renew everything thru MyEG last year but having difficulties in getting my insurance renew this year as previously my insurance is First Party but now most of them only offer Third Party even i’ve tried in POS office. How do i intend to continue renew my insurance policy First Party for my car instead of Third Party coz its been so many years buying under First Party policy. Any advise or help you can lead me…thks

  23. din
    February 23, 2011 at 16:02

    i have a problem to find the nearest agent in cheras or kl area.. i want to change my engine number due to engine convertion.. please inform me as soon as posible..

    • February 23, 2011 at 22:59

      Dear sir… which insurance company did you bought the policy from?

      • din
        February 24, 2011 at 00:06

        just know malaysian motor insurance..

  24. Chua
    February 23, 2011 at 10:03

    Hi, I have an enquiry to renew my car insurance.

    My car is 18years old Nissan Sunny. May I know the contact of MMIP insurance agent to assist me in renewing a third party insurance.

    Thank you. Chua

    • February 23, 2011 at 23:01

      You can log into Berjaya Sompo website to purchase your insurance but min SI is RM14,000 ….. I think so… I think you need not buy from MMIP, which can be quite a tough nut to crack. Unless you have a problem, we will help you further…

  25. Chye Seng
    February 22, 2011 at 19:27

    seem a lot of people interested to be agent of MMIP. is that true that Multipurpose and Uniasia are outsourcing agent? what do you mean by outsourcing agent? is there a way to sign as agent with MMIP? if cant can you guide me a way to be ‘outsourcing’ agent? i have some customers that claimed, they purchase MMIP insurance commercial by online? it is possible?

    • February 24, 2011 at 16:27

      MMIP outsourced its brand of insurance to two insurers (Multi-Purpose Insuran and Uni.Asia General) to provide services in respect of distribution channel, technical assessment and claims handling. These two insurers are not agent in the true sense but outsourced service providers. In 2009 MMIP appointed POS Malaysia as their only agent providing the selling network reachable by the public having difficulties purchasing Motor insurance. Of course with the increased in workload the two insurers (Multi-Purpose and Uni.Asia) would have to outsource some of their tasks to selected (those having sizeable portfolio) agents already registered with them to help with the business distribution process…. However, this outsource tasks are not available to smaller agents…. but smaller agents can check out with them for advices, like becoming an agent of MMIP — you may call 012-4207066 and do let me know if they are of assistance to you!

  26. Wee
    February 22, 2011 at 00:22

    Need your assistance to be a sub-agent of MMIP.



    • February 24, 2011 at 15:51

      Dear Wee,

      Try this person, Mr. Tony Long @ 012-4207066 – Tell him that Malaysia Insurance Online refer you to him.
      He should be able to help you…

  27. christina
    February 20, 2011 at 12:02

    i am general insurance agent. how to be ur MMIP agent. pls email me: ranqisresources@yahoo.com

    • February 24, 2011 at 16:11

      MMIP outsource the services to Multi-Purpose Insuran and Uni.Asia General. In addition MMIP also engage POS Malaysia as their only agent to distribute their products. Thus in order to be some sort of an agent (a non-recogniseable form) with MMIP, you may have to go through some of Multi-Purpose or Uni.Asia’s appointed representatives… Try out the following: 012-4207066 for advice…

  28. Jamaluddin
    February 18, 2011 at 00:46

    hi, how i can be MMIP agent or sub agent? tq

    • February 24, 2011 at 16:12

      Jamaluddin, Please check out previous threads…. the answers are there.

  29. Badriz
    February 14, 2011 at 15:14


    I have an enquiry about renewing my car insurance.
    I am now using Proton Saga year 1988, and previously it’s on third party. Is it possible for me to switch it to FIRST PARTY?
    Thank you.

    • February 14, 2011 at 22:07

      I have already email you accordingly with the relevant information, kindly check your email.

  30. January 29, 2011 at 01:03

    hi, how i can be MMIP agent? tq


  31. Armando
    January 13, 2011 at 10:23

    Hi admin,i would very much love to be a MMIP agent..i have offices troughout southern region and i would like to take this opportunity to serve all my current and existing clients and new clients as well..would appreciate if you could assist me on my application for becoming an agent..regards

    • January 14, 2011 at 23:58

      you cannot be a registered agent of MMIP… there are only three such agents – Multipurpose, Uni.Asia and Pos Malaysia. However, we can help you become a sub-agent. contact us by email

  32. hakim
    January 8, 2011 at 00:47

    Hi All ,,
    And first of all i will like to thanks for the writer for such a good website that gives a good information about MNIP.

    Dear Mr MalaysiaInsuran,

    My name is Kim and i am a used car dealer..really need ur advised accordingly and very keen and seriously need to be part of agency even though i knew that only UNIASIA and POS malaysia are the outsource insurer..Can u help me on this matter and would u mind to email me the detail or contact me via my mobile 0172599975..

    ur kind help and attention are really appreciated and i would like to thank you in advance..

    Thanks again.

    • January 9, 2011 at 00:12

      I am not too sure what your requirements are, do you want me to provide guidance in terms of getting your agency-presence online or you just wanted to have access to MMIP vide our contacts? Let me know what exactly your requirement…..
      Basically this blogsite is about providing information to the public as well as to practitioners like you. The web development that we are currently engaged in relates to building a web platform to enable agents (general, life, takaful and financial planners) to work out their business presence online….. and you can still maintain your offline successes at the same time. However, this is still very much in the conceptual stages – but we do have an agency motor platform where you can use it to engage the online surfers….
      For timebeing, we will deal with emailing

      • hakim
        December 17, 2011 at 01:33

        dear sir..how may i contact you..thanks for ur reply and its really helpful..

        i dont mind to become sub agent as long i can purchase an insuranse for my customer..

        can u provide me ur email adress?


  33. Zainal Abidin Ibrahim
    January 7, 2011 at 10:26

    Dear Sir,
    I am having dificulty in renewing my Motor Insurance Policy Third Party (from MCIS Zurich), it is a 1979 Datsun 160J expiting on the 12 January 2011 – Can anybody assist me in getting the said coverage for my road-tax renewal

    • January 9, 2011 at 00:05

      Hi, earlier on I’ve replied you vide email, thus I would not be writing the reply in this opened-comment section.

      Thank for your interest shown….

      • abdullah
        February 12, 2011 at 08:11

        Salam En Zainal,
        I am a old car broker in Terengganu.I got one friend who becomes an agent for the MMIP insurance for oll old cars no limit for age of cars, motorcycles and lorries.Even Fiffty year old vehicles still can get insurance n renew roadtax.For cars 20 years below we can get third party within one hour. And cars 20 years older we got to wait within 2 or three days.All insurance generatesin KL.I can give u the tables of insurance if u want.
        From Cikgu Abdullah Muda
        Part Time Insurance Agent
        Kemaman, Terengganu.
        Tel: 0145481999 0169203456

        • February 13, 2011 at 21:08

          Yes.. I do know of a handful of insurance agents who are currently recruited by those “appointed special agent” of MMIP as their representative to handle MMIP related insurance sales. As you would have known there are currently three special agents of MMIP – Multi-purpose, Uni.Asia General and POS Malaysia. I think one of these three did appoint insurance agents to assist them with the demands of MMIP’s operations. However most if not all of these agents have very sizeable motor portfolio.

        • Teng
          February 21, 2011 at 02:13

          Hi Cikgu, I would like to renew my 20years old car road tax with third party insurance soon. I am from Petaling Jaya. Can you introduce me your friend contact(KL contact)? Thank you and regards.
          Email contact: teng22dangerpub@yahoo.com

    • Zainal Abidin Ibrahim
      January 11, 2011 at 11:35

      Sorry i did not got your email..could you please resend it at zai3555@yahoo.com or zai3555@gmail.com

  34. zamri -zmy agency 0193780753
    October 28, 2010 at 23:04

    I have many A permit cstomer…….can i 2b your agents…..plzzzzz

    • November 5, 2010 at 22:48

      Not many insurer wants to write A permit nowadays, mostly were placed with MMIP. However, MMIP does not recuit any market agents, only with Multipurpose, UniAsia and POS Malaysia. If you are really serious then you may have to connect with agents who have closed ties with the handling folks in those companies….

  35. abdullah
    October 23, 2010 at 12:51

    How can i become your insurance agentfor motor vehicles. I have passed my exam last month.
    Please reply

    • August 24, 2011 at 19:02

      Wait, I cannot fathom it being so strahigtfowrard.

  36. mohd eirman bin abdul aziz
    September 29, 2010 at 17:05

    is the MMIP reserved only for POS Malaysia, Multipurpose and UniAsia?can i be an agent?

  37. mohd eirman bin abdul aziz
    September 29, 2010 at 16:59

    can you pls tell me how can i become MMIP agent?

  38. SnG Management
    September 7, 2010 at 13:23

    I am from Melaka , I would like to be an agent as 2nd principal for insurance pool .may I know how should i go about it.
    Thank You .

    • September 11, 2010 at 23:13

      MMIP does not appoint agent save for POS Malaysia, Multipurpose and UniAsia. Nevertheless both Multi purpose and UniAsia are not exactly agents but more of a outsourcing insurer.

  39. May Tan
    August 6, 2010 at 17:25

    Hi, I’m interested to become an agent. Please e-mail me to let me know how.. thanks

  40. hasnor
    July 20, 2010 at 16:18

    how to be ur mmip agent?

  41. hasnor
    July 20, 2010 at 16:16

    how to ur agent?

  42. Arman
    July 20, 2010 at 10:01

    i’m interested to become your agent..please advise me the procedures..

    Thanks & Regards

    • Anonymous
      March 12, 2011 at 11:06

      MMIP only appoints three as their agents/administrator — multipurpose insuran, uni.asia general and Pos malaysia. These companies are not supposed to appoint agents to distribute and sell the MMIP brand of motor insurance. However you do get both Multipurpose and UniAsia appointing albeit unofficially “agents” to help them sell and administrate the services to their customers — purpose is really a two edge sword, ie. one to make the servicing for MMIP customers more efficient and the other is to attract larger agents to register with them and in doing so reap the benefits of the agent’s other portfolio…

  43. syed mohamad
    July 15, 2010 at 17:04

    how , i want 2b your agent.seriously


    013 7773138

  44. bloggie
    April 11, 2010 at 00:20

    I think the premium for old car need not be as high as RM425. You can get it for half of it.

  45. steven
    March 6, 2010 at 15:56

    Appreciate you can comment on this “Press statement” from our BAR COUNCIL.how the scheme intend to work…etc.

    Press Release: Malaysian Bar opposes the proposed scheme by Bank Negara Malaysia to cover third party bodily injury and death

    Posted by Web Administrator

    Saturday, 06 March 2010 11:43am

    Bank Negara Malaysia plans to introduce a new scheme to cover third party bodily injury and death, which it has indicated will be finalised for implementation in the second half of 2010.

    The Malaysian Bar opposes this proposal, which in all likelihood will introduce far-reaching changes, as the changes would alter adversely the landscape of the motor insurance scheme to the detriment of motor accident victims, their families and dependants.

    The proposal seems to be driven solely by the insurance industry on the basis of profitability, without any consideration being given to public interest or social responsibility. The working committees that have been established currently comprise solely industry groups, namely insurance companies only, indicating that profitability of the insurers is an overriding factor behind the proposed scheme.

    Source: http://www.malaysianbar.org.my/

    • March 6, 2010 at 22:59

      Very few people actually knew about this so-called National Compulsory third party bodily injury motor insurance Scheme (“Scheme”), since Bank Negara is holding very tight to the driving seat, supported by their many actuarial graduates busily computing the exposures and pricing… – derived from the available industry statistics. Even those holding authoritative position within the industry were not briefed on what’s the next stage of development or what is to be expected in the coming months.
      What we know thus far, are the following elements that may eventually find their way into this proposed “Scheme”:
      1. The existing UNLIMITED compulsory third party bodily injury liability as provided in our Road Transport Act (RTA) shall be CAPPED to perhaps RM200,000 or so per injured party. (We are just using RM200,000 as an illustration – the amount may be slightly higher or lower….) And as far as this new compulsory limit is concerned, settlement is on a NO-FAULT LIABILITY basis, ie. all injured parties in an accident (regardless of fault) shall be paid a standard sum as prescribed in the RTA (certain section would need to be amended to insert the compensation schedule). Any party opting for this settlement shall not be entitled to pursue any form of litigation against the other party for additional settlement. But if any of the party opt to sue, then this prescribed compensation is deemed as rejected. Once litigation is taken up against the other party (allegedly at fault), this should lead us to point no. 2 below,
      2. Insurer concerned shall defend the party alleged at fault subject to the limit as prescribed in the RTA (amended), ie. RM200,000 cap – not sure if there is any additional provision for defence legal fees.
      3. Once the defendant failed in the defence and he or she would have to depend on their VOLUNTARY third party (motor) bodily injury liability Insurance (“Voluntary”) – if this was purchased in the first place, otherwise, the defendant would have to go it all alone with his or her ASSET – this means sell house, sell car (if still got…) or sell body, or worst case scenario, turning bankrupt! Not sure whether the government will come in after defendant declared bankrupt…., BUT…
      (a) any such “unrecovered” court awards can be recovered from a newly setup Guarantee Fund – fund which will be contributed by both the government and the industry members including takaful. That is why Mr. Ragunath mentioned the injection of a RM500 million funding….
      (b) no worry about the “Fund” because the premium chargeable under the Compulsory Scheme and Voluntary insurance is computed on a “risk-based” basis, calculated every half yearly (i supposed…) – For Compulsory Scheme, it is determined by Central Bank but for Voluntary Insurance, individual insurer would decide their own – unlikely to be tariff.
      4. As item 3 above has pointed out – if you are reasonably well to do, please buy an additional “Voluntary” cover on top of this compulsory “Scheme”
      5. All motor vehicle owners are required to purchase this new compulsory limit and encourage to take up additional “Voluntary” cover as well.
      6. The last time during the earlier discussion, we did proposed “COMPULSORY SCHEME MUST BE PURCHASED BY BOTH VEHICLE OWNERS AND ANY PARTY OWNING A VALID DRIVING LICENCE” With all licence holders joining in to buy, the premium fund size should increase substantially – Well, if you think you cannot afford to pay for insurance as a holder of a valid driver licence, then don’t own one!

      I would just stop here…. but the good thing about this scheme is:
      1. The insured has more options – since the existing motor policy coverage would be split up into individual sections: Own damage, theft, third party property damage (TPPD), Compulsory third party “Scheme” and Voluntary third party liability (option to purchase Personal Accident available) Insurance. Own damage, theft and TPPD shall continue to reside within the existing Motor tariff domain. The “Scheme” and “Voluntary” policy shall be operated on a risk-based computed basis.
      2. The Insured is not expected to pay more… but now all licence holders are expected to pay for at least the compulsory Scheme insurance, unless they had done so as a vehicle owner.

      We hope the above have answer your question… and as far as our BAR Council is concerned, don’t really bother about them simply because they are trying to defend their rice-bowl… well! this is nature, don’t you think?

      • Anonymous
        March 8, 2010 at 13:59

        Looks complicated don’t they?

        • March 8, 2010 at 22:32

          Why not try the professional agents…. we can introduce to you, lol!

          • mikechan
            March 9, 2010 at 01:12

            Hey! i m talking about yo no fault scheme and voluntary schem leh!

  46. February 9, 2010 at 23:00

    We have updated this blogposting with an FAQ from MMIP…

    • Anonymous
      February 25, 2010 at 18:19

      Please can you show us how the MMIP premium calculation works? My lorry is with A permit, with sum insure $50,000 and wish to buy comprehensive. age of my lorry is 12 years old, you can recommend the market value?

      • March 4, 2010 at 00:52

        If you have a A permit lorry – 12 years old, 1 claim last year and no tachograph: Premium would be RM4,428.67. If you have no claim, then you may get a premium reduction from No Claim Discount (NCD) provision – starting from 0% to 15%, 20% and 25%, depending on how many years insuring the vehicle without a claim (generally established on fault basis).

  47. February 2, 2010 at 08:35

    That’s is why the public is so willing to buy additional products like Personal Accident on top of paying their comprehensive motor premium!

  48. February 1, 2010 at 21:51

    Made some changes to the premium loading table…..

  49. andrew
    January 31, 2010 at 00:45

    The public may not be able to know the computation of the Basic motor tariff premium before use in the loading.

    • February 1, 2010 at 11:01

      If the basic motor tariff rating tables are put into this blog, the blog post would be very long…. However, the public can always refer to their existing motor insurance policy for reference, then compared with the MMIP terms and determine roughly as to what they should be paying if they need to buy from the MMIP.

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